Online Privacy Policy

Your privacy is important to MetLife Insurance SA/NV (MetLife), Pleinlaan 11 Boulevard de la Plaine at 1050 - BRUSSELS (IXELLES/ELSENE), the data controller, and the MetLife Group (MetLife, Inc. and its affiliates). MetLife's information practices for this web site are described below. You should review this Online Privacy Policy regularly as it may change at any time at MetLife's sole discretion. The effective date of this notice and any revised or changed notice may be found on this page, on the bottom left hand corner of the notice.

1. Your Personal Information

When you come to this web site, MetLife logs your current Internet address (this is usually a temporary address assigned by your Internet service provider when you log in), the type of operating system you are using, and the type of browser software used. In addition, MetLife may keep track of what portions of the web site you are visiting. MetLife aggregates this information to help create a better experience for users of this web site. For example, MetLife may upgrade those parts of the web site that are heavily visited or optimize the web site to work more efficiently with certain operating systems. This is all done without MetLife knowing your name or other personal identifying information. When you visit this web site you are anonymous, unless you chose to identify yourself to MetLife.

You are not required to provide MetLife with personal information to use this web site.

If you do choose to provide MetLife with personal information, for example when contacting us requesting us to send you information about our services and products, you will be invited to read and accept our Privacy Notice. Any information you submit will be subject to Belgian Privacy laws.

2. Cookies and Web Bugs

This web site does not use cookies, web bugs or web beacons or any similar devices capable of storing or retrieving information from your computer.

3. Minors

At this web site, MetLife makes no active effort to collect personal information from children under the age of 18. MetLife believes that children who do wish to submit information to us should have permission from their parent or legal guardian.

4. Additional Rights

Belgian Privacy laws may give you additional rights that are not described in this Online Privacy Policy. For information about MetLife’s Privacy Notice, click here.

Other Legal Notices

Please read the following terms and conditions carefully before using this web site of MetLife Insurance SA/NV ("MetLife") or any of the other web sites of the MetLife Group (MetLife, Inc. and its affiliates). You should review these terms and conditions regularly as they may change at any time at MetLife’s sole discretion. In case you do not agree with the following terms and conditions, you should refrain from using this web site.

1. Liability

Unless stated explicitly otherwise, the data provided on or obtained through this web site are given for informational purposes only and do not constitute an offer or a solicitation of an offer to buy the products or services of any of the companies of the MetLife Group.

MetLife makes reasonable efforts to ensure the accuracy and the completeness of the information provided on this web site, but accuracy and the completeness cannot be guaranteed and MetLife makes no warranties or representations as to its accuracy or completeness.

With the exception of damages intentionally caused by MetLife or caused due to MetLife’s gross negligence, under no circumstances shall MetLife be liable for any direct, indirect or incidental damages that may arise from your use of, or inability to use, this web site.

This web site content is provided "as is" and without warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

2. We Do Not Have Responsibility for Links to Third Party Content

Links to third party web sites are provided for your convenience and information only. The content in any linked web sites is not under supervision or control and MetLife is not responsible for it.

MetLife reserves the right to terminate a link to a third party web site at any time. The fact that we provide a link to a third party web site does not necessarily mean that we endorse, authorize or sponsor that web site, nor that we are affiliated with the third party web site's owners or sponsors. If you wish to link to any MetLife Group web site, please contact MetLife’s webmaster. If you are a MetLife group customer and wish to link your web site to this web site, please contact your MetLife representatives for instructions.

3. Privacy/Treatment of Information or Data Transmitted to Us

Persons that transmit personal information to MetLife are invited to read and accept MetLife’s Privacy Notice.

4. Proprietary Rights and Restricted Use

This web site's content is copyrighted and protected by worldwide copyright laws and treaty provisions. In addition, this web site's content is protected by trademark laws, the laws of privacy and publicity, and communication and financial services regulations and statutes. You are not authorized to post on or transmit to or from this web site any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other content that could give rise to any civil or criminal liability under the law.

You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this web site, without the prior written permission of MetLife. You may request permission by contacting us.

5. By Providing Content, We Do Not Allow You to Use Trademarks Referenced in This Web Site

MetLife is the copyright owner of all text contained on this web site. MetLife and other trademarks and service marks of the MetLife Group that may be referred to on this web site are the property of Metropolitan Life Insurance Company or one of its affiliates.

Other parties' trademarks and services marks that may be referred to are the property of their respective owners. Nothing on this web site should be construed as granting, by implication or otherwise, any license or right to use any trademark without MetLife’s written permission. The name of MetLife Insurance, MetLife, Inc., Metropolitan Life Insurance Company, MetLife or the MetLife logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this web site, without prior written permission. You are not authorized to use the MetLife logo as a hyperlink to this web site unless you obtain MetLife’s written permission in advance.

6. We Are Not Providing Investment Advice Nor Soliciting Offers

Nothing in this web site constitutes investment advice. In addition, the MetLife Group's investor relations materials and any other information that you may access from any of the MetLife Group’s other web sites are not offers to sell or solicitations of any offer to buy any security or any insurance product. No security offered by the MetLife Group is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities law or other laws of such jurisdiction. No such security is offered or will be sold in any jurisdiction by an entity that is not properly licensed to do so in such jurisdiction.

7. All MetLife Products, Programs and Services May Not be Available in Your Area

Except as specifically stated, MetLife makes no representation that content or materials in this web site are appropriate or available for use in jurisdictions other than Belgium. An offer or a solicitation of an offer to buy the products or services on this web site is only made to you if you are a resident of Belgium. You are not permitted to access this web site content or materials from jurisdictions where such access is illegal or prohibited. If you choose to access this web site from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws. Only the laws of Belgium will govern the content and materials contained in this web site.

MetLife is not authorized to do business in every jurisdiction. Information that MetLife publishes on this web site may contain references or cross-references to products, programs or services of the MetLife Group that are not available in Belgium. Contact us for information regarding the products, programs and services that may be available to you.

8. Applicable Laws

This legal notice as well as the information related to MetLife’s products and services on this web site is subject to Belgian law. Any disputes related to this web site will be submitted to the Commercial Court of Brussels.

9. MetLife Insurance SA/NV

MetLife Insurance SA/NV
Registered Office: Pleinlaan 11 Boulevard de la Plaine, 1050 Brussels (Ixelles/Elsene)
Tel: 02/789.42.00
RPR Brussel B.T.W. (BE)  0403.217.320 - RPM Bruxelles T.V.A. (BE) 0403.217.320

Licensed and regulated by the Banking, Finance and Insurance Commission ( www.cbfa.be), under no 0956

Date: November 1st, 2005