MetLife Auto & Home® Included Insurance Program Terms of Use

User Agreement

For the purposes of this user agreement, “we,” “us,” “our,” and “the company” refers to Metropolitan Property and Casualty Insurance Company, as well as to its property and casualty insurance subsidiaries, unless otherwise indicated by specific reference to a company. “You” and “yours” refers to the owner(s) of one or more policies offered by us. Your use of this web site or app is governed by this user agreement. Metropolitan Property and Casualty Insurance Company (“Met P&C®”) provides this web site or app and your individually identifiable log-in ID and password as a convenience to you, the user. This site is NOT intended to be accessed with your log-in ID and password by anyone other than you, the policy owner, including your financial advisor, independent financial advisors or representatives, nor by any other third party. We reserve the right to prevent anyone other than the policy owner from using this web site or app. YOUR INDIVIDUALLY IDENTIFIABLE LOG-IN ID AND PASSWORD ARE FOR YOUR BENEFIT ONLY; PLEASE DO NOT SHARE THIS INFORMATION WITH ANYONE. Met P&C also procures administrative services from certain of its affiliates, services which include, for example, design, development, and hosting of this web site or app and customer service related services. These Met P&C affiliates include, but are not limited to: MetLife, Inc., MetLife Group, Inc., and Metropolitan Life Insurance Company.

Please read the following terms and conditions carefully before using this web site or app. You should review these terms and conditions regularly, as they may change at any time at our sole discretion. The following terms and conditions apply to this web site or app; we may add to or supersede certain provisions of these terms and conditions with other provisions.

1. Liability

UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES OF ANY KIND, HOWSOEVER CAUSED THAT MAY ARISE FROM YOUR USE OF, OR INABILITY TO USE, THIS WEB SITE OR APP. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law. THIS WEB SITE OR APP, ALL UPGRADES, UPDATES, MODIFICATIONS, RELEASES, AND SERVICES, INCLUDING, BUT NOT LIMITED TO, ACCESS TO AND USE OF THE INTERNET, FURNISHED TO YOU PURSUANT TO THIS AGREEMENT ARE 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. WE DISCLAIM ANY AND ALL EXPRESS OR IMPLIED WARRANTIES REGARDING THIS WEB SITE OR APP OR THE USE THEREOF, AND ACCESS TO AND USE OF THE INTERNET, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE.

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

LINKS TO WEB SITES OF NON-AFFILIATED THIRD PARTIES ARE PROVIDED FOR YOUR CONVENIENCE AND INFORMATION ONLY. THE CONTENT IN ANY LINKED WEB SITE IS NOT UNDER OUR CONTROL AND WE ARE NOT RESPONSIBLE FOR IT. We reserve 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 are one of our group accounts and wish to link your web site to this site, please contact one of our representatives for instructions.

3. Term of Agreement

This agreement will be effective when you sign it electronically by clicking on the “I Agree” button at the end of this agreement, and shall continue until termination by you or by us. We reserve the right to suspend or terminate this agreement immediately and without notice, if we, in our sole discretion, determine that suspension or termination is necessary to comply with any applicable law, regulation, tariff, order, or our rules, policies, practices, and/or security procedures and concerns. This agreement may be terminated by you at any time by contacting us using any of the methods in the “Contact Us” section of the web site or app.

4. Transaction Requests and Other Information Submissions

You are solely responsible for the genuineness and accuracy, both as to content and form, of all requests and other communications properly received by us. We will use commercially reasonable efforts to process your requests received and to update your requested information. To the extent that you use this web site or app, it is expressly understood and agreed that: (i) we may rely on the accuracy of such information; (ii) we may act upon all instructions received by means of your submit requests or other information; (iii) we assume no liability whatsoever, if, as a result of the inaccuracy of such information, you or any third party suffer any loss or damage. By signing this agreement, you warrant and represent to us that: (i) you shall not cause to be introduced into our systems, any virus or any other contaminant or code that may be used to access, alter, delete, damage, or disable any software, data, material, or other property owned or used by us; (ii) you have the right to provide to us access to information and data, and that we have a restricted and unassignable right to access such information and data without any liability whatsoever to you; and (iii) neither our access to any information submitted by you, your use of the web site or app, nor your provision of any information through the web site or app, constitutes or may give rise to a claim of patent and/or copyright infringement, or unlawful disclosure, use, or misappropriation of any property right.

5. Confirmations and Other Communications from Us

You understand that it is your responsibility to review all confirmations, statements, notices, and other communications from us relating to the web site or app. You agree that we fulfill our legal obligations to deliver any such document, if sent by electronic delivery or posted on the web site or app, because by clicking “I Agree” below, you will have provided your consent to conduct business with us electronically, including our electronic delivery of required documents. You understand that you may revoke this consent at any time and can receive such documentation by mail by contacting us using any of the methods in the Help section of the web site or app. The MetLife Auto & Home eConsent Agreement contains detailed information about this process. Documents sent by electronic delivery contain all the information that appears in the printed hard-copy versions as prepared and distributed by us, with the possible exception of graphic insertions, such as photographs or logotypes. Electronic delivery may be in the form of an e-mail, an e-mail attachment, or in the form of an available document, which may be delivered to your account portal on our web site or app and/or downloaded from the web site or app. You represent that you will download the relevant document promptly after receiving notice of its availability and that you have the appropriate hardware and software to enable you to do so. You are responsible for ensuring that your software and Internet service provider do not inhibit or interfere with the communications described herein.

6. Security Devices, Passwords, etc.

In using the web site or app, you are fully responsible for the security of passwords, IDs, digital certificates, and other security devices assigned to you by us (“Security Devices”). The use and storage of any information by you relating to the services including, without limitation, the Security Devices, transaction activity, and any other information on your computer is at your own risk and is your sole responsibility. By signing this agreement, you agree to protect any information relating to this web site or app, the services, and/or any software downloaded by you in order to use the services, if applicable, from unauthorized access, copying, or use. In order to use this web site or app and the services, you shall install virus checking software, with then-current virus signatures and definitions, on all computers that you use to interface with the web site or app and the services, and you shall ensure that you are engaged in a secure session prior to transmitting any information (i.e., the web site or app indicates that the communication will be secured using SSL security, or the web site or app URL reads “https://” indicating a secure connection). In the event you detect or become aware of any unauthorized access, copying, or use of information relating to the services (including, if applicable, any software downloaded by you in order to use the services), or loss or theft of a Security Device, you agree to notify us immediately. We may rely on any transmissions received using the Security Devices.

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

We will treat the personal information you update on our system consistent with our on-line privacy policy and customer privacy notices, which are available on this site.

8. Proprietary Rights and Restricted Use

This web site’s or app’s content is copyrighted and protected by U.S. and worldwide copyright laws and treaty provisions. In addition, this web site’s or app’s content is protected by trademark laws, the laws of privacy and publicity, and communication regulations and statutes. You are not authorized to post on nor transmit to or from this web site or app 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 nor substantially copy the information on your own server, or link to this web site or app, without our prior written permission.

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

The trademarks, service marks, and logos used and displayed on this web site or app belong to their respective owners, and all use of them shall inure to the benefit of those respective owners. We are the copyright owner of all text contained on this web site or app. Met P&C®, MetLife®, MetLife Auto & Home®, and other trademarks and service marks of Metropolitan Life Insurance Company, or its subsidiaries or affiliates that may be referred to on this web site or app are the property of Metropolitan Life Insurance Company, MetLife Services and Solutions, LLC or one of its subsidiaries or affiliates. Nothing on this web site or app should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark without our written permission. You are not authorized to use our logo as a hyperlink to this web site or app, unless you obtain our written permission in advance.

10. We Are Not Providing Investment Advice Nor Soliciting Offers

Unless and except where expressly provided, nothing in this web site or app constitutes investment, tax, legal, or insurance advice.

11. You Agree to Indemnify Us for Using This Web Site or app

You agree to indemnify, defend, and hold harmless us, and our respective officers, directors, employees, agents, licensors, suppliers, and any third party information providers to us from and against all losses, expenses, damages, and costs, including reasonable attorneys’ fees, resulting from any violation of this agreement by you.

12. Third Parties May Have Rights Under This Agreement

The provisions of this agreement are for our benefit and our respective officers, directors, employees, agents, licensors, and suppliers. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on their own behalves.

13. Minors

In order to use this site you must be 18 years of age or older.

14. Force Majeure

The company shall not be liable for any delay or failure to perform its obligations hereunder caused by an event of natural disaster, pandemics, casualty, acts or omissions of any god or public enemy, riots, terrorism, governmental acts, or such other event of similar nature, which is beyond the reasonable control of the company and/or its affiliates.

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

This web site is or app controlled by us from our offices within the United States of America. Except as specifically stated, we make no representation that content or materials in this web site or app are appropriate or available for use in other jurisdictions. Access to this web site’s or app’s content or materials from jurisdictions where such access is illegal is prohibited. If you choose to access this web site or app from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws. You may not use nor export the materials in this web site or app in violation of U.S. export laws and regulations. THE LAWS OF THE STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS WILL GOVERN THE CONTENT AND MATERIALS CONTAINED IN THIS WEB SITE OR APP, WITHOUT GIVING EFFECT TO ANY PRINCIPLES OF CONFLICTS OF LAWS. YOU HEREBY CONSENT TO SUBMIT TO THE EXCLUSIVE JURISDICTION OF AND VENUE IN THE COURTS OF THE STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS AND OF THE UNITED STATES OF AMERICA LOCATED IN THE STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS FOR ANY LITIGATION ARISING OUT OF OR RELATING TO THE USE OF THIS WEB SITE OR APP. We are not authorized to do business in every jurisdiction. Information that we publish on this web site or app may contain references or cross-references to products, programs, or services of ours that are not available in your state or country. The products referred to on this web site or app may be offered and sold only to those with insurable interest in property located in the United States of America. Metropolitan Property and Casualty Insurance Company, a Rhode Island and Providence Plantations corporation, is located at 700 Quaker Lane, Warwick, Rhode Island 02886, NAIC Company Code Number 26298. Met P&C works with similarly licensed subsidiaries to do business in the United States, as well as the District of Columbia. The subsidiaries are, currently: Economy Fire & Casualty Company, Economy Preferred Insurance Company, Economy Premier Assurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas.

16. CARDS AND DOCUMENTS – SERVICE SPECIFIC TERMS

a. Cards and Documents is a Service provided by us that, among other things, allows You to store digital documents within the service. We may limit the maximum size of each document and also the maximum storage capacity of Cards and Documents.

b. We will take reasonable steps to keep Your documents safe, secure and retrievable. We shall not disclose Your documents, or any information obtained from them, to anyone without Your express permission unless required to do so by law.

c. You agree that We shall have no liability whatsoever to You if any information or data You store within the Card and Documents Services is lost, cannot be retrieved or becomes corrupted.

d. Should Your service be terminated We may delete Your documents at Our discretion or as required by law. You will be able to download or retrieve Your documents before the date Your policy ends.

e. You agree that if You forget Your login credentials (user name, password, PIN) it may not be possible for You to retrieve Your documents, information or data. It is Your responsibility to keep Your login credentials safe and secure.

17. MAPS – SERVICE SPECIFIC TERMS

a. Maps is a Service provided by Us.

b. We will take reasonable care to ensure the accuracy of the maps We provide access to but they should not be relied upon for accurate location information. We will have no liability to You for any harm, loss or damage of any sort whatsoever resulting from any inaccuracy in the maps.

18. PERSONAL ASSISTANCE – SERVICE SPECIFIC TERMS

a. Personal Assistant is a Service provided by Us.

b. We will take reasonable care to ensure the performance of the Personal Assistant service and the accuracy of the data held within it. However You agree that We shall have no liability whatsoever for any loss, harm, damage or inconvenience resulting from any inaccuracy or non-availability of the Personal Assistance service.

MetLife Auto & Home eConsent Agreement

CONSUMER CONSENT TO THE USE OF ELECTRONIC TRANSACTIONS AND ELECTRONIC DELIVERY OF RECORDS (“Agreement”)

This Agreement contains important information that you are entitled to receive before you agree to transact business with us electronically and consent to receive electronic records from us.

Please read this Agreement carefully, and download, print, and/or save a copy for your files.

For purposes of this Agreement: “we,” “us,” “our,” or “the company” refers to Metropolitan Property and Casualty Insurance Company (“Met P&C®”), as well as to other of its respective affiliates, unless otherwise indicated by specific reference to a particular company. “You” and “yours” refers to the owner(s) of one or more policies issued or offered by Met P&C or its subsidiaries. Met P&C provides the electronic services, as described in this Agreement (collectively, the “MetLife Auto & Home” platform) as a convenience to you. Met P&C also procures administrative services from certain of its affiliates, services which include, for example, design, development, and hosting of this web site or app and customer service related services. These Met P&C affiliates include, but are not limited to: MetLife, Inc., MetLife Group, Inc., and Metropolitan Life Insurance Company.

Please read the following terms and conditions carefully before providing (a) your agreement to them, and (b) your consent to receiving electronic records as described below. You may review these terms and conditions on this web site or app and any other web site that we make available to you (“Our Web Site”) for delivery of any of the services described in this Agreement, as they may change at any time at our sole discretion.

1. Your agreement and consent.

To the extent permitted by law, this Agreement is a global agreement and consent, meaning it applies to all types of electronic transactions that you may enter into and all records that may be provided, delivered, or otherwise made available to you during the course of your relationship with us. This Agreement will be effective when you sign it electronically by clicking the “I Agree” button at the end. When you agree to the terms of this Agreement by clicking “I Agree” below, you: (a) agree to undertake electronic transactions and use electronic signatures on Our Web Site, such as may be needed for on-line policy application, coverage selection, policy servicing, and other similar functions, and (b) consent to receive by electronic means: (1) various notices (including, without limitation, annual privacy notices); (2) documents and communications from us relating to policies you own and other materials regarding our products, to the extent available, including, but not limited to, statements, bills, confirmation statements, contracts, all policy forms and endorsements, and other materials that we are, or may be, legally required to deliver to you; and (3) termination notices, to the extent permitted by law. You specifically (i) acknowledge, as part of your acceptance of the terms of this Agreement by clicking “I Agree” below, that certain of the documents to be delivered electronically will contain information regarding your personal financial matters; and (ii) consent to the delivery of such personal financial information by the electronic means specified in this Agreement. The consent that you grant in this Agreement shall remain in effect until withdrawn by you. As permitted by the consent you are providing to us in this Agreement, we will deliver any particular document by electronic delivery at our sole discretion. Please make a note to look for documents delivered electronically. As noted below, we will either send an e-mail to you with the document attached, or e-mail you a notice that the document has been delivered to your account portal on Our Web Site. Accordingly, if your e-mail address changes, you must provide us with your new e-mail address by updating your account information on Our Web Site or contacting us using any of the methods in the “Contact Us” section of Our Web Site. If electronic delivery for a particular type of document (including those referenced above) is not available, you will receive such documents in paper form. We will deliver these paper documents by U.S. mail to the current address we have on file for you. Notwithstanding the foregoing, by agreeing to the terms of this Agreement, you are consenting to delivery of documents to you electronically in one or more of the following ways:

(i) We may deliver such document to your account portal on Our Web Site. When we deliver the document, we will send you an e-mail advising you that we have made such delivery to your account portal; or

(ii) We may send you e-mails transmitting such documents, whether as text in, attachments to, and/or hyperlinks contained in such e-mails to the documents stored at Our Web Site or otherwise. Such e-mails will be sent to the current e-mail address we have on file for you. In addition, you may be notified about the availability of electronic records by text message (SMS – Short Messaging Service). You acknowledge and agree that any charges associated with your receipt of these messages are fully your obligation and are not reimbursable by Met P&C nor any of its affiliates. By clicking “I Agree” below you are providing your express consent to receipt of these types of communications to your mobile phone from us using an auto-dialer or automatic telephone dialing system; your consent to receipt of such communications is not a condition of any purchase from us. There may be other third party costs for your use of Our Web Site, such as Internet access fees or text message (SMS) charges. You are responsible for ensuring that neither your software nor your Internet service provider inhibits or interferes with the notices and communications described herein.

Upon receipt of an e-mail, you will be able view the document (if in the text of an e-mail). If the document is in an attachment or accessible via a hyperlink, you must open the attachment or click on the hyperlink in order to access the document. In either instance, you will need Adobe Reader® in order to access the PDF file. If you do not have Adobe Reader on your computer, you may download it for free at Adobe.com.

Of course, if a law requires us to provide, send, or deliver information in writing to you by a specified manner, such as by U.S. mail, we will continue to do so.

2. Withdrawal or update of consent; updating customer profile.

You may update information we need to contact you electronically at any time by updating your account information on Our Web Site or contacting us using any of the methods in the “Contact Us” section of Our Web Site. You may call us at 1-800-780-0071 to do so.

3. Effect of withdrawing consent.

You have the right to have records provided in paper format. If you elect this and withdraw consent to electronic delivery, your withdrawal of consent will be effective at the time of request and we will mail you paper copies of documents. (We may also mail paper copies if your e-mail and text (SMS) messages have been returned as undeliverable.)

4. Computing requirements.

To use the services described in this Agreement, you must have access to a computer with an Internet connection. In order to save or print the documents that you receive, the computer should have a hard drive or other storage device, or be connected to a printer. You must also have an e-mail account to receive communications. In order to receive documents sent by facsimile, you must have either a phone line and a fax machine or a computer with an Internet connection, an e-mail account, and software that allows you to receive faxes by e-mail.

5. Acknowledgement of ability to access records electronically.

When you agree to the terms of this Agreement, you also acknowledge that you have the hardware and software necessary to access the records that will be delivered to you electronically, including, but not limited to, the ability to open a PDF file.