Privacy policy

MetLife’s privacy policies include guidelines and procedures relating to MetLife’s use and sharing of personal information about our customers and the individuals who use our website.

Please click on the appropriate option to read about our Online Privacy Policy or Customer Privacy Policy. These privacy policies apply to the use of your personal information by MetLife Europe d.a.c. (UK Branch), MetLife Europe Insurance d.a.c, MetLife Pension Trustees Limited and MetLife Europe Services Limited (UK Branch).

MetLife's privacy policies include guidelines and procedures relating to MetLife's use and disclosure of information about our customers and individuals who visit our website. For information regarding our Online Privacy Policy and Customer Privacy Policy please click on the appropriate option.

Online Privacy Policy

Welcome to MetLife

The companies in the MetLife, Inc. group  (collectively, “MetLife”) recognise the importance of protecting all information that you, our online visitor, may choose to provide to us. To further this commitment, we have adopted this Online Privacy Policy to tell you how some of the companies in our group  collect, use and share the information you provide to us online. 

In addition to this Online Privacy Policy, we also have other more general privacy policies that may apply to you as a MetLife customer, if you register with us for further information or if you apply for any of our products or services.

Online Privacy Policy FAQ
What information does this Online Privacy Policy cover?

This Online Privacy Policy only applies to personal information collected on websites with a link to this Online Privacy Policy, and does not apply to information collected by MetLife through any other means.

It covers how we collect, use and share personal information submitted and collected online.

This policy only covers websites operated by MetLife in the UK.  It doesn’t apply to any other websites operated by other companies or organisations to which MetLife websites are linked.  MetLife is, therefore, not responsible for the content or activities provided on those websites.

What types of personal information do we collect about our online visitors?

Personal information is information that identifies you. Generally, we don't require you to give us personal information to access public areas of our website.  Certain secure web areas, however, enable or require you to provide personal information online when you use specific features on our website.  For example, we collect personal information from you when you:

  • Apply for or obtain a MetLife product or service

  • Register to access your financial account information

  • Ask to have a MetLife representative contact you

  • Ask to receive information about our products or services

  • Participate in any MetLife promotion or survey

This personal information may include:

  • Your Name

  • Policy Number

  • Financial information

  • National Insurance number

  • Telephone number

  • E-mail address and

  • Postal address

Additionally, we may also collect other types of information such as your age or date of birth, gender, occupation and hobbies. 

For further information on how we use the personal information we receive about you if you become a MetLife customer, or apply for any of our products or services, or register with us, please view our customer privacy policies below.

Do we collect personal information from children?

We do not knowingly collect personal information from those under 18 years of age.

What kind of security measures do we have to safeguard your personal information?

The security and confidentiality of your information is extremely important to us.  That is why we have technical, administrative, and physical security measures in place to protect your personal information from unauthorised access and improper use.  For example, the areas of our website that enable or require you to submit personal information online use encryption to protect that information.  We also review our security procedures periodically to consider appropriate new technology and updated methods.

How is your personal information used and shared?

We may use and share your personal information with other companies within the MetLife family and third party MetLife suppliers to:

  • Authenticate your identity

  • Provide you with online planning tools

  • Process an application for our products or services and administer your account information

  • Respond to your product or service information requests

  • Send you customer newsletters and updates

  • Provide you with further information that may be of interest, including marketing information on other products and services

  • Fulfil other business purposes, such as product development and website administration

We will only share your personal information with third parties who are MetLife suppliers. We won’t share your personal information with any other third parties for their own direct marketing purposes. If you sign up to receive newsletters or other e-mail messages from us, you can opt-out at any time by clicking the unsubscribe link at the bottom of the message.  You may also choose to opt-out from receiving marketing materials from us by contacting us using the details below in the section headed ‘Obtaining further information from us’.

For further information on how we use the personal information we receive about you if you become a MetLife customer, request further information from us or apply for any of our products or services, please click here to view our customer privacy policies.

What kinds of security measures do we take to safeguard your personal information?

The security and confidentiality of your information is extremely important to us.  That’s why we have technical, administrative, and physical security measures in place to protect your personal information from unauthorized access and improper use.  For example, the areas of our website that enable or require you to submit personal information online use encryption to protect that information.  We also review our security procedures periodically to consider appropriate new technology and updated methods.  But, despite our reasonable efforts, no security measure is ever perfect or impenetrable.

How we treat personal information on a business sale

From time to time, we may sell one or more of our businesses or products and services to another provider, and your personal information may be transferred as a part of the purchase or sale.  If we sell a business or any of our products and services to another provider, your information may be shared with a prospective or new provider.  Any new provider will continue to use your information for the same purposes unless you are notified otherwise. This paragraph will also apply if we are sold as part of insolvency proceedings.

What other parties will we share your personal information with and why?

We may disclose any information as permitted or required by law, when we believe in good faith it is necessary for safety purposes, required for legal reporting, or to protect our legal rights or enforce our Terms of Use of our website or any competition rules.  We may also disclose information about you to our auditors, regulators, legal advisors, or to respond to a court order.

How you can see and correct the personal information we hold on you?

Generally, we will let you see the information that we hold on you if you ask us in writing. We may make a small charge for this service. Due to legal privilege, we may not be able to show you anything that we learned in connection with a claim or legal proceeding. If you tell us that the information we hold on you is incorrect, we will review it and if we agree with you, we will correct our records. If we do not agree with you we will let you know. If you wish, you can tell us in writing that you believe our records still to be incorrect and we will include your statement when we give your information to anyone outside MetLife. You can contact us using the details below in the section headed ‘Obtaining further information from us’.

What can you do if you are unhappy with the way we have handled your personal information?

If you are unhappy about any aspect of the way we collect, process or record your personal information, we would like you to tell us. You can contact us using the details below in the section headed ‘Obtaining further information from us’. 
If you are not happy with our response, you have a right to complain to the Information Commissioner. The Information Commissioner can be contacted on 08456 30 60 60. Further details of the complaint process can be found on the Information Commissioner’s website http://www.ico.gov.uk/.

Obtaining further information from us

If you want to know more about our privacy policy generally, please contact us in one of the following ways:

For all UK products (wealth management, employee benefits and protection) you can contact us at:

Data Protection Officer 
MetLife 
Level 50 
One Canada Square 
Canary Wharf 
London 
E14 5AA 
or e-mail us at anibloe@metlife.com 
or telephone us on 020 7715 2000

How will you know if we amend this Online Privacy Policy?

We may amend this Online Privacy Policy at any time.  If we make any material change in how we collect your personal information online, or how we use or share it, we will prominently post notice of the changes on the websites covered by this Online Privacy Policy.  Any material changes to this Online Privacy Policy will be effective 10 days after our posting of notice of the changes on the websites covered by this Online Privacy Policy.

Information about Cookies

 

We may also collect information about your usage of our websites by the use of cookies. Cookies are small pieces of information that are placed on a user’s computer, phone or tablet to enable the user to more easily communicate and interact with our websites and to provide us with information on how visitors use the websites. Our websites use cookies to help us provide you with a good internet experience and to improve the performance and functionality of the sites. This section of our privacy policy provides you with clear and comprehensive information about the cookies we use and the purposes for using them.

Consent to Cookies

With the exception of the JSESSIONID cookie described in the table below and which is essential for the site to operate, we will only set cookies on your computer, phone or tablet after obtaining your consent. By continuing to browse our websites after the cookies banner is displayed, you are consenting to the setting of cookies on your computer, phone or tablet in the way and for the purposes described in this policy.

You must not use our websites if you do not want cookies connected to them being placed on your computer, phone or tablet. Even if you initially consent to our cookies, you can at any time afterwards choose to block and delete cookies using your internet browser settings. Please note, however, that without cookies you will not have access to many of the features that make your web experience smoother, and some of our services may not function properly (e.g., areas of the website that are accessed via a secure log-in and password).

Managing Cookie Settings

You can modify your cookie settings through your internet browser. For example, you may block cookies by activating the setting on your browser that allows you to refuse the placing of all or some cookies. These settings are usually found in the “options” or “preferences” menu of your internet browser. The following links may be helpful for these purposes:


Chrome: http://support.google.com/chrome/bin/answer.py?hl=en&answer=95647
Firefox: http://support.mozilla.org/en-US/kb/cookies-information-websites-store-on-your-computer?redirectlocale=en-US&redirectslug=Cookies
Internet Explorer: visit http://support.microsoft.com and type "cookies" in the search function 
Safari: visit http://www.apple.com/support/ and type "cookies" in the search function. 

Types of Cookies

Cookies are either session or persistent cookies and, at the same time, they are either first or third party cookies. We explain below what these terms mean, so you can better understand the cookies we use and why.

Session Cookies

Session cookies allow you to be recognised within a visit to a website, so any page changes or selections can be remembered from page to page. These cookies allow you to proceed through many pages of a website quickly and easily without having to authenticate or reprocess each new area you visit. Session cookies are temporary and will expire when you close your browser or when you log out of a website. Session cookies are essential for the functionality of any parts of our websites that are accessed via a secure log-in and password. If you delete these cookies, or have them turned off on your browser, you will be unable to log into those areas of the websites.

Persistent Cookies

Persistent cookies are cookies that "persist" for a set period of time on your computer after the end of a browsing session and, therefore, can allow the preferences or actions of users to be remembered when the site is revisited.

First Party Cookies

First party cookies are cookies hosted by MetLife.

Third Party Cookies

Third party cookies are hosted by domains other than MetLife's. Only a limited number of third party cookies, as listed in the table below, are set through our websites. We do not permit third parties to use the cookies for any purpose other than those listed in the table below. We use cookies for a variety of purposes. The table below explains the cookies we use and why and details whether these cookies are session or persistent cookies and first or third party cookies.

First Party Cookies (hosted by MetLife.co.uk)

Cookie Name Cookie Type and Purpose
JSESSIONID HTTP Session ID Cookie

Session or Persistent: Session

A cookie will be set on the browser to recognise the visitor and establish a session for subsequent pages viewed throughout his/her visit to our websites.

This is an essential cookie to enable our websites to work effectively and load the pages and information in an efficient manner.

This cookie is relevant to the following websites: 
www.metlife.co.uk 

www.intlcwa MetLife Site Content Management System Cookie

Session or Persistent: Session

This cookie is used to retrieve content from MetLife's Content Management System which allows us to organise our web content. This cookie enables the site to load on a computer.

This cookie is relevant to the following websites: 
www.metlife.co.uk 

MLUKCookies 
Accepted
MetLife Site Cookie Acceptance

Session or Persistent: Persistent

This cookie is used to record if a visitor to a metlife.co.uk website has agreed to the use of cookies by continuing to browse the site after the cookies banner is displayed in the homepage. This cookie expires after one year.

This cookie is relevant to the following websites: 
www.metlife.co.uk 

AMCV_DD8D65EC5717A8FA7F000101@AdobeOrg

Adobe Analytics Tracking Cookies

Session or Persistent: Persistent

These cookies are used to collect information about how visitors use the metlife.co.uk websites. We use the information to compile reports and to help us improve the sites. The cookies collect information in an anonymous form, including the number of visitors to the sites, details of the site from which a visitor has come and the pages they visited while on the metlife.co.uk websites.

This cookie is relevant to the following websites: 

www.metlife.co.uk 

__g_u

__g_c


Google Analytics Site Tracking Cookie

Session or Persistent: Persistent

This cookie tells us that you are actively visiting our site. This cookie is set by Google Analytics. For more information please visit http://www.google.com/analytics.

This cookie is relevant to the following websites: 
www.metlife.co.uk 

MetlifeAudience MetLife Site Audience Cookie

Session or Persistent: Persistent

This cookie identifies and remembers which audience area of the website a visitor last selected (Individuals, Companies or Intermediaries) so that he/she may be directed to that area upon his/her next visit.

This cookie is relevant to the following websites: 
www.metlife.co.uk 

MetLifeSU MetLife Site Secure/Non-Secure Cookie

Session or Persistent: Persistent

This cookie enables additional security protocols to be applied to pages on our websites and will ensure that the web page gets presented to the visitor with the appropriate security protocol.

This cookie is relevant to the following websites: 
www.metlife.co.uk

MetTempReq MetLife Site Recurring Visitor Identification Cookie

Session or Persistent: Persistent

This cookie will be created for a first time visitor to the metlife.co.uk websites and identifies the visitor when he/she returns.

This cookie is relevant to the following websites: 
www.metlife.co.uk 



Third Party Cookies

Cookie Name Cookie Type and Purpose
ACOOKIE

Any information collected via cookies is only stored until the cookies expire and it is not used for purposes other than those listed in the above table for each corresponding cookie.

To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org and our *privacy policy - Information about Cookies*. To opt out of being tracked by Google Analytics across all websites visit http://tools.google.com/dlpage/gaoptout.  To opt out of being tracked by Adobe Analytics visit http://metlife.sc.omtrdc.net/optout.html.

PHPSESSID

__utma

__utmb

__utmc

__utmd

__utmz

__utm*

postcode

SESS*

Unbiased.co.uk (fifa.mwdev.co.uk) Third Party Cookie

These are third party cookies hosted by fifa.mwdev.co.uk

These cookies enable visitors to use the 'Find an IFA' service and enables Unbiased.co.uk to establish a session with the visitor and collect information on how the service is used.

For further information on these cookies, please visit http://www.unbiased.co.uk/legal#privacy

This cookie is relevant to the following websites: 
www.metlife.co.uk 

__utma

__utmb

__utmc

__utmz

Vimeo video player Third Party Cookie

These are third party cookies hosted by player.vimeo.com

Vimeo provides a service to display videos on our website. These cookies enable Vimeo to collect information on how visitors view videos.

This cookie is relevant to the following websites: 
www.metlife.co.uk



Any information collected via cookies is only stored until the cookies expire and it is not used for purposes other than those listed in the above table for each corresponding cookie.

To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org and our *privacy policy - Information about Cookies*. To opt out of being tracked by Google Analytics across all websites visit http://tools.google.com/dlpage/gaoptout.  To opt out of being tracked by Adobe Analytics visit http://metlife.sc.omtrdc.net/optout.html.

Customer Privacy Policy

The companies in the MetLife, Inc. group ("MetLife") strongly believe in protecting the confidentiality and security of information we collect about individuals. This policy describes how some of the companies in our group use the information we receive about you if you become a MetLife customer, apply for any of our products or services, or register with us.

If you access our websites for information relating to our products and services or to purchase any of our products and services, our list below provides further information on how we collect, use and share the information you provide to us online.

How We Learn About You

What we know about you we obtain mostly from you when you apply for one of our products or services. But we may also have to find out more about you from other sources in order to make sure that what we know about you is correct and complete. These sources may include your adult relatives, employers, health care providers, credit reference agencies, other insurers and other financial services providers, consumer reporting and anti-fraud agencies. Some of our sources may provide us with reports relating to you.

How We Protect What We Know About You

The security and confidentiality of your information is extremely important to us.  That’s why we have technical, administrative, and physical security measures in place to protect your personal information from unauthorised access and improper use.  Our employees are trained to take care in handling your information. They may obtain information about you only when there is a good reason to do so. We also take steps to secure our computer databases and to safeguard the information we have about you.

How we treat personal information on a business sale

From time to time, we may sell one or more of our businesses or products and services to another provider, and your personal information may be transferred as a part of the purchase or sale.  If we sell a business or any of our products and services to another provider, your information may be shared with a prospective or new provider.  Any new provider will continue to use your information for the same purposes unless you are notified otherwise. This paragraph will also apply if we are sold as part of insolvency proceedings.

How We Use and Disclose What We Know About You

We may use the information we have about you to help us serve you better. We may use and share your information with other companies in the MetLife group to:

  • Help us evaluate your request for a MetLife product or service
  • Help us process claims and other transactions
  • Confirm or correct what we know about you
  • Help us prevent fraud, money laundering, terrorism and other crimes by verifying what we know about you
  • Perform research for us 
  • Help us comply with the law by, for example, sharing your information with the police or fraud agencies to prevent fraud
  • Audit our business

We may share your information with other third parties for these purposes.  For example, for processing an application or any claim, we may share your information with credit reference agencies, police, consumer reporting and anti-fraud agencies.  This may include other insurers and financial services providers to prevent and detect fraudulent and exaggerated claims.  
When we share your personal information with others who perform business services for us, they are required to take appropriate steps to protect this information and may only use the information for the purpose of performing those services.

Other reasons we may share what we know about you include:

  • Sharing your information with your financial services advisor so that they can advise and service you
  • Sharing information with other financial services providers where we provide or administer products and services with carefully selected businesses, such as where we distribute another business’ products or services, or where we reinsure
  • Doing what a court or government agency requires us to do; for example, complying with a search warrant or court order or acting as required or permitted by applicable law or regulation
  • Giving information to the government so that it can decide whether you may get benefits that it will have to pay for
Using your personal information for marketing purposes

We may use or share your information within the MetLife group to market you our products and services, and those of carefully selected businesses, and we may share your information with carefully selected business so that they can market their products and services to you. 
We will only share your information within the MetLife group or with carefully selected businesses to market products and services to you.

Where we transfer your information?

We may transfer your information to other countries. Those countries in the European Economic Area provide the same level of protection to personal information as the UK does. If we transfer information or share it with others outside the European Economic Area, we will ensure that we and those persons or companies who receive your personal information agree to protect it from improper use or disclosure, in accordance with data protection law.

How You Can See and Correct Your Information?

Generally, we will let you see the information that we hold on you if you ask us in writing. We may make a small charge for this service. Due to legal privilege, we may not be able to show you anything that we learned in connection with a claim or legal proceeding. If you tell us that the information we hold on you is incorrect, we will review it and if we agree with you, we will correct our records. If we do not agree with you we will let you know. If you wish, you can tell us in writing that you believe our records still to be incorrect and we will include your statement when we give your information to anyone outside MetLife. You can contact us using the details below in the section headed ‘Obtaining further information from us’.

If you are unhappy with the way we have handled your personal information

If you are unhappy about any aspect of the way we collect, share or use your personal information, we would like you to tell us. You can contact us using the details below in the section headed ‘Obtaining further information from us’.

If you are not happy with our response, you have a right to complain to the Information Commissioner. The Information Commissioner can be contacted on 08456 30 60 60. Further details of the complaint process can be found on the Information Commissioner’s website www.ico.gov.uk.

Obtaining further information from us

If you want to know more about our privacy policy generally, please contact us in one of the following ways:

For all UK products (wealth management, employee benefits and protection) you can contact us at:

Data Protection Officer 
MetLife 
Level 50 
One Canada Square 
Canary Wharf 
London 
E14 5AA 
or e-mail us at anibloe@metlife.com 
or telephone us on 020 7715 2000

How will you know if we amend this Customer Privacy Policy?

We may amend this Customer Privacy Policy at any time. If we make any material change in how we collect your personal information, or how we use or share it, we will prominently post notice of the changes on the websites covered by this Customer Privacy Policy. Any material changes to this Customer Privacy Policy will be effective 10 days after our posting of notice of the changes on the websites covered by this Customer Privacy Policy.