MetLife Bangladesh's Privacy Policy

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.

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.

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.

Your personally identifiable information may also be shared with other MetLife companies.

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.

This Privacy Statement applies to the MetLife website: www.metlife.com.bd

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

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.

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.

The site is hosted in the United Kingdom. The information is stored in the United Kingdom.

Personal information is information that identifies you and can be used to contact you directly. We only collect personal information voluntarily given to us by our visitors. 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:

• Ask to have a MetLife representative contact you
• Ask to receive information about our products or services
• Participate in any MetLife promotion or survey; and/or
• Request customer or technical support

For example, this information may include:

• Name
• Account or policy number
• Telephone number
• Email address; and/or
• Postal or billing address

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

Children

We don't knowingly collect personal information from children under 13. 

Information We Collect Through Technology

We collect information through technology to enhance our ability to serve you. For example, when you come to one of our websites, we collect your IP address. An IP address is often associated with the portal you used to enter the Internet, like your ISP (Internet service provider), company, association, or university. Standing alone, however, your IP address is not personally identifiable. At times, we also use IP addresses to study the frequency that our visitors visit various areas of our websites. We may combine this information with personal information. Finally, our websites do not respond to browser Do Not Track signals or other similar mechanisms. 

Cookies and Web Beacons

Our websites also use cookies and web beacons to collect and store information.

Cookies are pieces of information that a website sends to your computer while you are viewing the website. We use cookies for a variety of purposes. For example, when you return to one of our websites after logging in, cookies provide information to the website so that the website will remember who you are. You can choose to have your computer warn you each time a cookie is sent, or you can choose to turn off all cookies. You can do this through your browser (e.g., Netscape or Internet Explorer) settings. Each browser is a little different, so look at your browser Help menu to learn the correct way to modify your cookies. If you turn cookies off, you won't have access to many features that make your web experience smoother, and some of our services may not function properly.

Web beacons are small pieces of data that are embedded in images on the pages of websites and in our email communications. We also use these web beacons to analyze the traffic patterns, such as the frequency users visit various areas of our websites. These technical methods may involve transmitting information either directly to us or to another entity authorized by us to collect information on our behalf. We also use web beacons in HTML e-mails that we send our visitors to determine whether our visitors have opened those e-mails or clicked on links in those e-mails.

Network Advertisers. Advertisements managed by third parties may be placed on our websites. These companies are called 'network advertisers.' Network advertisers placing advertisements on our websites may also use cookies and web beacons to collect information when you click on or move your cursor over one of their banner advertisements. You may not realize this information is being collected. In some cases, we may have access to information from web beacons and cookies used by network advertisers on our sites, and this information may permit us to identify other sites that you have visited that are also associated with the network advertiser. In doing so, however, network advertisers do not collect personal information, and we do not give any personally identifiable information to them.

For more information about our ad service provider and its cookies, including information about how to opt out of these technologies, go to http://www.google.com/intl/en/policies/privacy/ and http://www.aboutads.info/consumers.

Finally, once you've have left our websites, our Online Privacy Policy no longer applies, and you must read the privacy policy of the advertiser to see how your personal information will be handled on their website.

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.

All comments, queries and requests relating to our use of your information are welcomed and should be addressed to the Head of Operations, American Life Insurance Company, MetLife Building, 18-20 Motijheel C.A., P.O. Box 9, Dhaka-1000, Bangladesh.