Conditions of Use & Privacy Promise

Nov 1, 2010

Notice

PLEASE READ THE TERMS OF USE CAREFULLY. BY ACCESSING OR USING THIS WEBSITE AND ITS PAGES (COLLECTIVELY, THIS "SITE"), YOU AGREE TO BE BOUND BY THE TERMS OF USE AND ACCEPT THEM IN FULL. METLIFE MAY CHANGE THE TERMS OF USE FROM TIME TO TIME AND CHANGES WILL BE POSTED ON THIS SITE. BY CONTINUING TO ACCESS AND USE THIS SITE AFTER ANY SUCH CHANGES ARE POSTED, YOU WILL BE DEEMED TO HAVE ACCEPTED SUCH CHANGES. IF YOU DO NOT AGREE TO BE BOUND BY THE TERMS OF USE, DISCONTINUE YOUR ACCESS TO THIS SITE IMMEDIATELY.

If you need to communicate with MetLife , please write to us at: 600 North King Street, Wilmington, DE 19801.

Not all consumers will be eligible for the products and services described on the website, and we reserve the right to determine your eligibility for any product or service.

© 2010 MetLife, Inc. All rights reserved.

The works of authorship contained in this Site, including, but not limited to, the text, design, software, images, graphics, sound, recordings, source code, and content are owned by MetLife . Such works of authorship and exclusively licensed materials are protected by United States and International copyright laws and treaties, and may not be modified, copied, reproduced, republished, uploaded, downloaded, posted, transmitted, publicly displayed, used to created a derivative work, linked, transferred, sold, or otherwise used for public or commercial purposes without the express written consent of MetLife .

Trademark and Service Mark Notice

MetLife is a registered service mark and the MetLife Logo is a service mark of American Life Insurance Company. Other featured words or symbols used in this Site to identify MetLife or any products or services thereof, are the trademarks or service marks of MetLife . You may not modify, copy, reproduce, republish, upload, download, post, transmit, publicly display, create a derivative work, sell, or otherwise use for public or commercial purposes any of the trademarks or service marks in this Site without the express written consent of MetLife .

Submissions

All information submitted to MetLife via this Site shall be deemed and remain the property of MetLife. MetLife shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in such information. MetLife and shall not be subject to any obligations of confidentiality regarding submitted information except as specially agreed or as required by law.

Cookies

This website uses cookies – Please see the Website Privacy Statement for details.

Use of Information and Materials

This Site is provided for informational purposes only, and is not intended as legal, accounting or other professional advice.

The content in this Site, including the terms, conditions and descriptions herein are subject to change without prior notice to you. Unauthorized use of, or entry into, this Site, or the misuse of passwords or information contained within this Site, is strictly prohibited.

Not all products and services featured in this Site are available in all geographic areas. Your eligibility for particular products and services is subject to final acceptance by MetLife . With regard to the information, products and services offered by this Site, no distribution or solicitation is made by MetLife to any person to use any information, products, services, or materials in a jurisdiction where such information, products, services, or materials is prohibited by law.
The information contained in this Site is not intended as an offer or solicitation for the purchase of MetLife stock, any other security or any financial instrument.

Links to Other Sites

MetLife may establish in this Site links and pointers to Websites maintained and operated by third parties for you to access at your sole discretion. MetLife does not monitor and is not responsible for the content found on these linked websites. The establishment of any link in this Site does not imply an endorsement or recommendation by MetLife of any opinions, ideas, goods, products, information or services offered through such linked Websites. Your participation in any linked site, including payment for, and the delivery of, any goods, products or services, is based solely upon your relationship with the linked Website provider. MetLife has no control over such third party Websites and makes no warranties or representations as to any content in, or goods, products or services offered through, such third party Websites. You expressly agree that MetLife is not responsible for any losses or damages in connection with your access to, use of, or inability to use, such Websites, or the contents or goods, products or services offered through such Websites.

Disclaimer of Warranties

ACCESS AND USE OF THIS SITE IS AT YOUR OWN RISK. THIS SITE AND ITS CONTENTS, INCLUDING ALL TEXT, DESIGN, SOFTWARE, IMAGES, GRAPHICS, SOUND, RECORDINGS, SOURCE CODE AND LINKS OR OTHER ITEMS, IS PROVIDED "AS IS", "WHERE IS" AND "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR INFRINGEMENT. FURTHER, NO WARRANTY IS MADE THAT THIS SITE SHALL BE UNINTERRUPTED OR FREE FROM ERRORS, VIRUSES OR OTHER HARMFUL CODE.

Limitation of Liability

UNDER NO CIRCUMSTANCES WILL METLIFE BE LIABLE FOR ANY DAMAGES, LOSSES OR LIABILITIES, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES, WHETHER IN CONTRACT, WARRANTY, TORT, (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, THAT ARISES OUT OF, OR IS IN ANY WAY CONNECTED WITH, THE USE OR INABILITY TO USE, THIS SITE OR ANY PORITION THEREOF, OR ANY LINKED SITE, EVEN IF METLIFE IS ADVISED OF THE POSSIBILITY OF DAMAGES, LOSSES OR LIABILITIES.

Indemnification

You agree to defend, indemnify and hold harmless MetLife and all of its respective directors, officers, employees and agents thereof, from and against all claims and expenses, including attorney's fees, arising out of your violation of these Terms of Use or misuse of this Site or products or services provided via this Site.

Additional Terms

Certain pages of this Site may contain separate terms and conditions that are in addition to these Terms of Use. In the event of a conflict, such separate terms and conditions shall govern the products and services offered or provided in such pages.

Right to Modify or Terminate

MetLife reserves the right to modify the products and services offered in this Site. MetLife also reserves the right to terminate your access to such products and services, or access to this Site, in whole or in part, at any time.

Severability

In the event any of the terms or provisions of these Terms of Use shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired, and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision.

Governing Law and Jurisdiction

These Terms of Use constitute a contract between you and MetLife . You agree that your use of this Site shall be governed by, and construed in accordance with, the laws of the State of Delaware, without regard to the conflicts of laws thereof, and to the laws of the United States. You expressly agree to submit to the sole and exclusive jurisdiction of the State of Delaware.

Privacy Promise

01- Nov, 2010

We provide this Website Privacy Statement to explain MetLife 's privacy and data collection practices along with how we protect your information. This website, located at www.jo..com (the "Website"), provides customers with a gateway to services offered by MetLife and its subsidiaries and affiliates (individually, "MetLife " and collectively "MetLife Companies", "we" or "us"). Our address is , 600 North King Street, Wilmington, Delaware 19801.

Our data collection and use policies with respect to visitors to the Website are set forth in this statement ("Policy"). By using the Website, you signify your acceptance of this Policy.

What is "personally identifiable information?"
When reviewing this Policy you should understand that when we use the term "personally identifiable information" we mean any information that can be used to identify or contact a specific individual, such as a name, address, telephone number or e-mail address. When we refer to "aggregate information" we mean information that does not allow us to identify or contact a specific individual such as demographic information, purchase categories (e.g., life insurance), or visitors using a particular browser to access the Website.

What types of personally identifiable information does MetLife collect on the Website?
MetLife does collect personally identifiable information on the Website. If that practice changes in the future, we will issue a revised Website Privacy Statement reflecting those practices.

Does MetLife collect any other information about visitors to the Website? 
Our Use of Cookies
Cookies are small pieces of information that our server places on a visitor's computer hard drive to enable that person to more easily communicate and interact with the Website and to provide us with important information on how visitors use the Website.

The Website uses cookies to allow you to select a preferred location view and default home page view and to let you access recently visited links (such as products and services) more easily. Many Web browsers are automatically set to accept cookies. You may change your browser settings to either reject cookies or notify you when a cookie is about to be placed on your computer. Please note, however, that rejecting cookies while visiting the Website may result in certain parts of the Website not operating correctly or as efficiently as if they were allowed. You will not be able to access a preferred location view, a customized default home page view or your recently visited links. In addition, we may use a service that collects data remotely by using so-called "pixel tags," "web beacons," "clear GIFs" or similar means (collectively, "Pixel Tags") embedded in the Website's content. A Pixel Tag is an electronic image, often a single-pixel (1x1), that is ordinarily not visible to Website visitors and may be associated with cookies on the visitors' hard drives. The data we collect includes which operating system and browser you use, how you navigate to and through our site, and how long you stay on our web pages. This information is anonymous and does not include your name, e-mail address or any other contact information.

Does MetLife share personally identifiable information with other companies?
MetLife  collects personally identifiable information on the Website.  When we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive.

MetLife is a MetLife, Inc. company, and as such, your personally identifiable information may also be shared with other MetLife companies

What does MetLife do with aggregate information collected on the Website?
Because aggregate information collected on the Website does not personally identify you, we may use aggregate information for any purpose, and share aggregate information with third parties for any purpose. We may share the information gathered using cookies, Pixel Tags and other similar technologies with other MetLife companies and with our third party vendors. Use of this data is to improve our site by responding to our users' interests and providing more relevant and useful information. For example, we use aggregate information collected on the Website to evaluate how the Website is being used. In addition, we may collect and analyze information about how many visitors arrived at certain pages of the Website, how long they stayed on those pages, and where they went afterwards. This information allows us to determine which pages might be the most interesting and popular with visitors. It enables us to provide visitors with a better and richer website experience.


What if I link to another site and provide information to that site, how will that information be handled? What sites are covered by this Website Privacy Statement?
This Privacy Statement applies to the MetLife website: www.jo..com


It does not apply to any linked sites (including MetLife sites). To learn about the privacy practices of a linked site, please refer to the Privacy Statement for that site.

What information can third parties collect through the Website?
We may use third party advertisement-serving companies ("Advertisers") to serve advertisements on the Website. Please be advised that such Advertisers may use cookies, Pixel Tags and other technologies to, among other things, enable such Advertisers to monitor which ads have been served to your browser and which Website pages you were viewing when such ads were delivered.

How does MetLife protect website information?
MetLife respects your privacy and understands that your trust is the cornerstone of our relationship. That is why we work so diligently to safeguard your privacy using industry standard security processes.

Where will MetLife store and maintain information?
The site is hosted in the United Kingdom. The information is stored in the United Kingdom.


Changes to MetLife 's Website Privacy Statement
MetLife may modify this Privacy Statement at any time to comply with applicable laws, or to reflect our updated business practices, without prior notice. In the event of a change, we will post the revised Privacy Statement to the Website with the effective date.

What if I have questions or need to contact MetLife ?
All comments, queries and requests relating to our use of your information are welcomed and should be addressed to The Data Protection Officer, American Life Insurance Co, Jabal Amman – Fourth circle, Building number 91 Zahran Street, PO box 1307, Amman 11118 Jordan