Terms of Use


CONDITIONS OF USE
By using this website, you acknowledge your consent to the following terms and conditions without limitation or qualification. Please read these Terms of Use carefully before using this website. These conditions may be revised at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the current conditions to which you are bound.
 
DISCLAIMER
To the fullest extent permissible pursuant to applicable law, (1) the materials on this website are provided "as is" and without warranties of any kind either expressed or implied, and MetLife Limited and Metropolitan Life Insurance Company of Hong Kong Limited ("MetLife") disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose; (2) MetLife does not warrant that the website or the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components; and (3) MetLife does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes. For complete details please refer to the actual policy or the relevant product or services agreement.
 
This website may be linked to other websites which are not maintained by MetLife. MetLife is not responsible for the availability, content or accuracy of any external websites and does not make any warranty, express or implied, with respect to the use of any external links. The inclusion of any link to such websites does not imply approval of or endorsement by MetLife of the websites or the content thereof. You acknowledge and agree that you access such websites at your own risk.
 
LIMITATION OF LIABILITY

While MetLife uses reasonable efforts to include accurate and up to date information on this website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, MetLife makes no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall MetLife or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if MetLife or an MetLife authorized representative has been advised of the possibility of such damages. To the fullest extent permissible under applicable law, in no event shall MetLife’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website.
 
MetLife also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.
 
RESTRICTIONS ON USE OF MATERIALS
This website is owned and operated by MetLife. Except as otherwise expressly permitted by MetLife, no materials from this website or any website owned, operated, licensed or controlled by MetLife may be copied, reproduced, republished, modified, stored in a retrieval system, used for creating derivative works, uploaded, posted, transmitted (by any form or by any means), distributed or used in any other way for public or commercial purposes. You may download material displayed on this website for your personal use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website, for public or commercial purposes, including the text, images, audio, and video, without MetLife’s written permission.
 
MetLife neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.
 
JURISDICTIONAL ISSUES
Unless otherwise expressly set forth herein, MetLife makes no representation that materials on this website are appropriate or available for use in any location. You choose to access this website on your own initiative and are responsible for compliance with local laws.
 
Except as expressly set forth herein the information contained on this website is not an offer to sell or a solicitation to buy any insurance product or other product or service by MetLife. No insurance product or other product or service is offered or will be sold by MetLife or, if sold by MetLife, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.
 
OWNERSHIP OF INFORMATION
Any information, other than personal data or information, you transmit to MetLife via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and nonproprietary and will become the property of MetLife. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. MetLife is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to MetLife via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. You waive all applicable rights you may have in any information (other than personal data) you transmit to MetLife via this website or otherwise, for the purposes of these Terms of Use.
 
INTELLECTUAL PROPERTY
All trademarks, services marks, trade names, logos, and icons are proprietary to MetLife. Other than as expressly set out in these Terms of Use and except as permitted by applicable law, nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of MetLife’s intellectual property including, but not limited to, any trademark or logo displayed on this website without the written permission of MetLife. Your use of the trademarks or logos displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.
 
SOFTWARE LICENSES
To the extent that any software is made available or provided to you on this website, MetLife grants you a non-exclusive, limited and personal licence to download and use the software for your own personal, non-commercial use only. No other rights to the software are granted. All rights including intellectual property rights in the software remain the property of MetLife or the relevant licensors or owners of the software and, except as permitted by law, you may not reverse engineer, decompile, modify or tamper with the software.
 
SECURITY
You acknowledge and confirm that the internet is not a secure medium where privacy can be ensured, and that complete security and confidentiality over the internet is not possible at this time. Your confidential use of the website cannot be guaranteed and you acknowledge that your use of the website (including information that you may transmit to the website) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimers herein, MetLife shall not be responsible or liable for any harm that you and any other person may suffer in connection with any such breach of confidentiality or security.
 
COMMUNICATIONS
MetLife shall be authorized to prescribe, from time to time, the form of notice (whether written or any other form) and the communication channel with respect to any notice to be given pursuant to these Terms of Use without imposing any duty of care on MetLife. MetLife shall not be liable for any loss or damages you may incur if you communicate confidential or personal information to us by electronic means such as electronic mail, or if we communicate such information to you by these means at your request or as a reply to a communication sent by you over the same channel.  
You are required to notify MetLife forthwith of any change of your correspondence address, telephone/fax number, email/electronic address of whatever kind or any other correspondence details if the same has been supplied to MetLife for communication purpose. All communications shall be addressed to you at your last known correspondence details registered with MetLife. Communications delivered personally or sent by mail, facsimile or otherwise shall be deemed to have been delivered to you (where delivered personally) at the time of personal delivery, (where sent by facsimile) on the day of dispatch, (where sent by mail) when deposited in the mail, (where sent by electronic communication) at the time of sending the electronic message.
 
ONLINE SERVICES
Your usage of your password to access your policy records represents your acceptance of our online services. The password will be recognized and deemed as your electronic signature and will be legally binding. Such act also represents that you accept electronic records and data will be admissible as original documents in any court of law in Hong Kong and that you will not challenge or dispute the accuracy or authenticity of such records and data maintained by MetLife.
 
MetLife shall not be liable for any failure to carry out online instructions which is attributable, wholly or in part, to any cause beyond the control of MetLife including but not limited to any equipment malfunction or failure. Under no circumstances shall MetLife be responsible for any direct, indirect or consequential losses arising from or in connection with the carrying out or otherwise of your online instructions.
 
By using our online services, you agree to all of our terms and conditions, including but not limited to: a) MetLife has reserved the right to add, delete or vary the scope of service provided online and any of the terms and conditions herein from time to time; and b) if MetLife decides to change the terms and conditions herein, MetLife shall give notice within this website of such amendment and will specify a day on which such amendment shall take effect. If you do not cancel the online service prior to the expiration of such period, you shall be deemed to have agreed to such amendment.
 
MetLife may, at any time and at its sole discretion, without giving notice or reason suspend or terminate all or any of the online services, or your usage rights.
 
MetLife has the right to determine and vary from time to time the scope and type of online services to be made available on our corporate website including imposing and varying any restrictions on the use of the services, and prescribing and changing the normal service hours during which the services are available and any daily cut-off time.
 
Upon notice or suspicion of the user ID and the password being disclosed to any unauthorized person or any unauthorized use of the services being made, you shall notify MetLife immediately without delay and, until our actual receipt of such notification, you shall remain responsible for any unauthorized use of the services.
 
TRANSACTIONS OVER THE INTERNET
Transactions conducted through the internet may be subject to interruption, blackout, delay or error. MetLife shall not be responsible for any loss of accuracy or timeliness of any messages sent or transactions conducted through this website arising from or in relation to any malfunctions in communication facilities that are out of the control of MetLife.
 
DOWNLOADING

MetLife does not warrant the absence of delays, failures, errors, omissions or loss in respect of any information transmitted through this website. MetLife does not guarantee any of the following: a) no viruses or other contaminating or destructive properties will be transmitted through this website; or b) no damage will occur to any computer system connecting to this website. You shall have sole responsibility in protecting and backing up your data and/or equipment; and in taking any precautionary measures against computer viruses or other contaminating or destructive properties as you think appropriate and necessary.
 
LINKS
Where a link to a non-MetLife website exists in this website, MetLife shall not be responsible or liable in any way for the content of the linked website including any products, services or other items offered through that website.
 
INCONSISTENCY IN CHINESE AND ENGLISH VERSIONS
In the event of any ambiguity or inconsistency between the English and Chinese versions of these Terms of Use, the English version shall prevail.
 
GOVERNING LAW AND JURISDICTION
These Terms of Use will be governed by the laws of the Hong Kong Special Administrative Region of the People’s Republic of China (“Hong Kong”) and the parties agree to submit to the exclusive jurisdiction of the courts of Hong Kong.