The legal requirements for your use of the service
You can only use the Service if you are at least 13 years old. The Service is not available to any person under the age of 13. By using the Service you affirm that you are 13 years or older. You also agree that you will not open an Infinity account using the personal information of anyone under the age of 13. You will only use the Service if you have the power to form a contract with MetLife and are not barred under any applicable laws from doing so. If you are under the age of 18, you must have a parent or legal guardian open an Infinity account on your behalf.
You agree that you access the Service at your own initiative and that your use of the Service and your use of and access to any Content (as defined below) is solely at your own risk.
The agreement for use of the Services is with you. Nothing in these Terms and Conditions shall be deemed to confer any third-party rights or benefits, including your “Designees” (as such term is described in the Infinity application).
You agree to use the Service only for purposes as permitted by these Terms and Conditions and any applicable law, regulation, or generally accepted practice in the applicable jurisdiction.
You agree that you are responsible for compliance with any applicable laws, including, but not limited to, any applicable local laws.
Your use of the Service includes the ability to enter into agreements and/or to make transactions electronically. YOU ACKNOWLEDGE THAT YOUR ELECTRONIC SUBMISSIONS CONSTITUTE YOUR AGREEMENT AND INTENT TO BE BOUND BY ELECTRONIC AGREEMENTS AND TRANSACTIONS.
Additional Requirements for your use of the service
You are responsible for the computer or other devices used to access the Service. Use of the Service requires a compatible computer or mobile device, Internet access, and certain software (fees may apply). The latest version of the Infinity software is recommended to access the Service from a mobile device and may be required for certain features. If applicable, you understand and agree that it is your responsibility to make sure that the Infinity software made available to you is the current version on your devices and properly installed. You also understand that the technical requirements for access to the Service may change over time and that it is your responsibility to meet those requirements. You further agree that MetLife has no obligation to provide access to the Service on any particular computer or other device or by using any specific software.
The Service is only available in certain jurisdictions and MetLife makes no representation that the Service, or any feature or part thereof, is appropriate or available for use in any particular location. This limits both the ability to upload, distribute and receive content. You understand that if one of your Designees resides in a jurisdiction where the Service is not available, the Designee will not be able to receive content from you. In addition, you agree that MetLife has no obligation to provide access to such Designee.
The Service, or any feature or part thereof, may not be available in all languages. Although you may store content in any language, the language of the Service in the United States is currently limited to English.
You may only create a single Infinity account (“Account”). MetLife reserves the right to require you to consolidate Accounts, delete redundant Accounts and limit the number of computers and/or devices associated with an Account.
You will create an Infinity ID and password that you should keep confidential. You understand that you should not reveal your Account information, including your Infinity ID and password, to anyone else.
You agree to provide accurate and complete information when you register with, and as you use, the Service (“Service Registration Data”). You further agree to update your Service Registration Data to keep it accurate and complete. You understand that your failure to provide accurate, current and complete Service Registration Data may result in the suspension and/or termination of your Account.
You are solely responsible for maintaining the confidentiality and security of your Account and for all activities that occur on or through your Account. You agree to immediately notify MetLife of any security breach of your Account. You acknowledge and agree that the Service is designed and intended for personal use on an individual basis and you should not share your Account and/or password details with another individual. You agree that, provided MetLife exercises reasonable skill and due care, MetLife shall not be responsible for any losses arising out of the unauthorized use of your Account resulting from you not following these rules.
Your Account has a finite storage capacity. MetLife will provide you with a certain amount of storage free of charge to you. MetLife may elect to provide you with additional storage for fees, in its sole discretion. You understand that if you exceed the applicable storage capacity for your Account, you may be prevented from adding or accessing Content, or receiving new email sent to your Infinity email address.
You agree that your Account is non-transferable and that any rights to your Infinity ID or Content within your Account terminate no later than twenty-five (25) years after your death. On a date no later than twenty-five (25) years from the date of your death (as determined according to the process described in the Service, which may change from time to time in MetLife’s sole discretion), your Account may be terminated and all Content within your Account deleted.
You understand and agree that MetLife shall be entitled to take all reasonable steps to protect the Service and MetLife’s systems, which may include suspension of your access to the Service or your Account.
You understand and agree that repeated violations of these Terms and Conditions may result in termination of your Account.
You understand that you are solely responsible for any Content you upload, download, post, transmit, store or otherwise make available through your use of the Service. “Content” means any information that may be stored or uploaded to the Service or otherwise generated or created through use of the Service, such as text, documents, software, scripts, music, graphics, photographs, images, sounds, videos, messages and any other like materials as well as data files, computer and/or device characteristics, and other information relating to your use of the Service.
You represent that you have the right to upload, download, post, transmit, store or otherwise make available all the Content in your Account. You further represent that you are the owner of such Content and/or have all necessary rights, licenses, and authorization to distribute it. You agree that any Content that you upload, post, transmit, store or otherwise make available shall be your sole responsibility, shall not infringe or violate the rights of any other party (including intellectual property rights) or violate any laws, contribute to or encourage infringing or otherwise unlawful conduct, or otherwise be obscene, objectionable or harassing.
You hereby grant a license to MetLife and to the MetLife Entities to all Content that you upload, post, transmit, store or otherwise make available through your Account. By uploading, posting, transmitting, storing, or otherwise making available Content, you grant MetLife and the MetLife Entities a worldwide, perpetual, fully paid-up, royalty-free, non-exclusive license to use, store, distribute, reproduce, modify, adapt, publish, translate, publicly perform and publicly display such Content through the Service (i) for the purpose for which such Content was submitted or made available or (ii) to comply with law or legal process, in each case without any compensation or obligation to you. MetLife and the MetLife Entities do not claim any interest in the Content you make available on the Service other than with respect to the foregoing license.
You understand that you may expose others to Content that they may find offensive, indecent, or objectionable. As more fully set forth below, you also agree not to upload, post, transmit, store or otherwise make available Content through your Account that violates the “Your Conduct” section of these Terms and Conditions.
You are responsible for backing up, to your own computer or other device, any Content that you store or access via the Service, including important documents, images, messages and other information. You agree that MetLife shall not be liable for lost Content, including Content not delivered to or made accessible to Designees.
Access to Content, including the time required to view, upload or transmit the Content, shall vary depending upon a number of factors. These factors include the device and software or browser version used, the server where the Content is being stored (which server may not be in the same jurisdiction in which you reside), how the Content is stored in the “cloud” and the location from which access is being sought.
MetLife does not guarantee the delivery or accessibility of any Content. MetLife shall use reasonable skill and due care in providing the Service, but, TO THE GREATEST EXTENT PERMISSIBLE BY APPLICABLE LAW, METLIFE AND ITS VENDORS DO NOT GUARANTEE OR WARRANT THAT ANY CONTENT YOU MAY STORE OR ACCESS THROUGH THE SERVICE WILL NOT BE SUBJECT TO INADVERTENT DAMAGE, CORRUPTION, LOSS, OR REMOVAL IN ACCORDANCE WITH THE TERMS OF THIS AGREEMENT, AND METLIFE AND ITS VENDORS SHALL NOT BE RESPONSIBLE SHOULD SUCH DAMAGE, CORRUPTION, LOSS, OR REMOVAL OCCUR.
The content of other users
You understand that by using the Service you may encounter Content that you may find offensive, indecent, or objectionable. You acknowledge that MetLife is not responsible or liable in any way for any Content provided by others and has no duty to pre-screen or monitor the distribution of such Content, nor does it guarantee the accuracy, integrity or quality of such Content. You hereby waive any claims against MetLife for delivering or providing access to any Content for which another Account holder has identified you as a Designee.
Links and other third party materials embedded in content
You understand that third party material in the Content or the Service may not be available. Certain Content and components or features of the Service may include materials from third parties and/or hyperlinks to other web sites. Because MetLife may have no control over such third party sites and/or materials, you acknowledge and agree that MetLife is not responsible for the availability of such sites or resources.
MetLife does not endorse or warrant the accuracy of any such sites or resources, and shall in no way be liable or responsible for any Content, advertising, products or materials on or available from such sites or resources. You further acknowledge and agree that MetLife shall not be responsible or liable in any way for any damages you incur or allege to have incurred, either directly or indirectly, as a result of your use and/or reliance upon any such Content, advertising, products or materials on or available from such sites or resources.
You understand that your Infinity Content, Tagged Information? and Service Registration Data are stored in the “cloud” using Microsoft’s Azure service. Microsoft shall be solely responsible for the storage, security, availability and distribution of the Content. For more information about the Azure product and the related data security, please go to http://www.windowsazure.com/en-us/support/trust-center/security/. MetLife hereby disclaims all liability to the fullest extent allowable by law for any loss, destruction, unauthorized access or release, alteration or unavailability of such Content.
You understand and agree that MetLife may store the Service Registration Data and the Tagged Information that you provide on other servers owned by or dedicated to MetLife business.
You understand that in order to provide the Service and make your Content available to others, MetLife or the MetLife Entities may transmit your Content, the Tagged Information and the Service Registration Data across various public networks, in various media, and modify or change any of the foregoing to comply with technical requirements of connecting networks or devices or computers. The transmission of data or information (including communications by e-mail) over the Internet or other publicly accessible networks is not secure, and is subject to possible loss, interception, or alteration while in transit. Accordingly, MetLife does not assume any liability for any damage you may experience or costs you may incur as a result of any transmissions over the Internet or other publicly accessible networks. In no event will the information you provide to MetLife be deemed to be confidential, create any fiduciary obligations to you on MetLife’s part, or result in any liability to you on MetLife's part in the event that such information is inadvertently released or accessed by third parties without MetLife’s or your consent.
You consent and agree that MetLife may collect, use, transmit, process and maintain information related to your Account, and any devices or computers registered thereunder, for purposes of providing the Service. Information collected by MetLife when you use the Service may also include technical or diagnostic information related to your use that may be used by MetLife to support, improve and enhance MetLife’s products and services.
You further understand and agree that this information may be transferred to the United States and/or other countries for storage, processing and use by MetLife, its affiliates, subsidiaries and/or their service providers.
You agree that you will NOT use the Service to:
upload, download, post, email, transmit, store or otherwise make available any Content that is unlawful, harassing, threatening, harmful, tortious, defamatory, libelous, abusive, violent, obscene, vulgar, invasive of another’s privacy, hateful, racially or ethnically offensive, or otherwise objectionable;
stalk, harass, threaten or harm another;
if you are an adult, request personal or other information from a minor (any person under the age of 18 or such other age as local law defines as a minor) whose parent or guardian has given you permission to obtain such information, including but not limited to any of the following: full name or last name, home address, zip/postal code, telephone number, picture, or the names of the minor's school, church, athletic team or friends;
pretend to be anyone, or any entity, you are not — you may not impersonate or misrepresent yourself as another person (including celebrities), entity, another Infinity user, a MetLife employee, or a civic or government leader, or otherwise misrepresent your affiliation with a person or entity;
engage in any copyright infringement or other intellectual property infringement (including uploading any Content to which you do not have the right to upload), or disclose any trade secret or confidential information in violation of a confidentiality, employment, or nondisclosure agreement;
post, send, transmit or otherwise make available any unsolicited or unauthorized email messages, advertising, promotional materials, junk mail, spam, or chain letters, including, without limitation, bulk commercial advertising and informational announcements;
forge any TCP-IP packet header or any part of the header information in an email or a news group posting, or otherwise putting information in a header designed to mislead recipients as to the origin of any Content transmitted through the Service (“spoofing”);
upload, post, transmit, store or otherwise make available any material that contains viruses or any other computer code, files or programs designed to harm, interfere or limit the normal operation of the Service (or any part thereof), or any other computer software or hardware;
interfere with or disrupt the Service (including a denial of service attack or accessing the Service through any automated means, like scripts or web crawlers), or any servers or networks connected to the Service, or any policies, requirements or regulations of networks connected to the Service (including any unauthorized access to, use or monitoring of data or traffic thereon);
plan or engage in any fraudulent or illegal activity;
gather and store personal information on any other users of the Service to be used in connection with any of the foregoing prohibited activities;
copy, sell, resell, rent or trade the Service (or any part thereof) for any purpose;
copy, sell, resell, rent, trade, modify, loan, distribute, sublicense, create a derivative work of, reverse engineer, decompile, or otherwise attempt to discover the source code (unless expressly permitted or required by law) grant a security interest in, assign, transfer or otherwise convey any right in the Software
exploit the Service in any unauthorized way whatsoever, including, but not limited to, by trespass;
subvert any storage limits or burdening network capacity; and/or
upload any personal information of others who have not consented to share such personal information with you.
MetLife reserves the right to take steps MetLife believes are reasonably necessary or appropriate to enforce and/or verify compliance with any part of these Terms and Conditions.
MetLife may delete inappropriate Content. Although MetLife does not routinely screen Content, MetLife reserves the right at all times to determine whether Content is appropriate and in compliance with these Terms and Conditions, and may pre-screen, move, refuse, modify and/or remove Content at any time, without prior notice and in its sole discretion, if such Content is found to be in violation of these Terms and Conditions.
You acknowledge and agree that MetLife may, without liability to you and to the extent allowable by law, access, use, preserve and/or disclose your Account information and Content to law enforcement authorities, government officials, and/or a third party, as MetLife believes is reasonably necessary or appropriate.
MetLife intellectual property
MetLife, the MetLife logo, Infinity, the Infinity logo and other MetLife trademarks, service marks, graphics, and logos used in connection with the Service are trademarks or registered trademarks of Metropolitan Life Insurance Company in the US and/or other countries. Other trademarks, service marks, graphics, and logos used in connection with the Service may be the trademarks of their respective owners. You are granted no right or license in any of the aforesaid trademarks, and further agree that you shall not remove, obscure, or alter any proprietary notices (including trademark and copyright notices) that may be affixed to or contained within the Service.
You acknowledge and agree that MetLife and/or the MetLife Entities own all legal right, title and interest in and to the Service, including but not limited to graphics, user interface, the scripts and software used to implement the Service, and any software provided to you as a part of and/or in connection with the Service, including any and all intellectual property rights that exist therein, whether registered or not, and wherever in the world they may exist. You further agree that the Service (including the Software, or any other part thereof) contains proprietary and confidential information that is protected by applicable intellectual property and other laws and that you will not use such proprietary information or materials in any way whatsoever except for use of the Service in compliance with these Terms and Conditions. THE MISUSE OF THE INTELLECTUAL PROPERTY OF METLIFE OR THE METLIFE ENTITIES MAY SUBJECT YOU TO CIVIL AND CRIMINAL PENALTIES, INCLUDING POSSIBLE MONETARY DAMAGES, FOR COPYRIGHT INFRINGEMENT.
MetLife grants you a personal, non-exclusive, non-transferable, limited license to use the software provided by MetLife as a part of the Service and in accordance with these Terms and Conditions. You agree that you will not (and will not permit anyone else on your behalf to) copy, modify, rent, loan, distribute, create a derivative work of, reverse engineer, decompile, or otherwise attempt to discover the source code (unless expressly permitted or required by law), sell, lease, sublicense, assign, grant a security interest in or otherwise transfer any right in the software, and you shall not exploit the Service in any unauthorized way whatsoever, including, but not limited to, by trespass or burdening network capacity.
Termination by you
You may terminate your Account and/or stop using the Service at any time. If you wish to stop using Infinity on your mobile device, you should: (1) remove the Infinity application from the device as you would any other application, and (2) contact Infinity Support by e-mail at firstname.lastname@example.org. If you wish to stop using Infinity on your computer, you should contact Infinity Support by e-mail at email@example.com. Upon receiving your instructions to terminate your Account, MetLife shall use commercially reasonable efforts to promptly delete your Account and all associated Content. You understand that once your Account has been terminated, your Content will be deleted and you will thereafter have no access to it.
Termination by MetLife
MetLife may at any time, under certain circumstances and without prior notice, immediately terminate or suspend all or a portion of your Account and/or access to the Service. Cause for such termination shall include: (a) violations of these Terms and Conditions or any other policies or guidelines that are referenced herein and/or posted on the Service; (b) a request by you to cancel or terminate your Account; (c) a request and/or order from law enforcement, a judicial body, or other government agency; (d) where provision of the Service to you is or may become unlawful; or (e) unexpected technical or security issues or problems.
MetLife may terminate your Account upon prior notice via email to the address associated with your Account if (a) your Account has been inactive for one (1) year; or (b) there is a general discontinuance or material modification to the Service or any part thereof.
Any termination or suspension shall be made by MetLife in its sole discretion and MetLife will not be responsible to you or any third party for any damages that may result or arise out of such termination or suspension of your Account and/or access to the Service.
You understand and agree that MetLife may discontinue the Service at any time and that it has no obligation to continue to provide the Service for any period of time
Effects of termination
Upon termination of your Account you will lose all access to the Service and any portions thereof, including, but not limited to, your Account, Infinity ID, email account, and Content.
In the event that MetLife discontinues the Service, you will be provided with three (3) months of time from the date of discontinuance to download or store your Content elsewehere.
Disclaimer of warranties
METLIFE SHALL USE REASONABLE SKILL AND DUE CARE IN PROVIDING THE SERVICE. THE FOLLOWING DISCLAIMERS ARE SUBJECT TO THIS EXPRESS WARRANTY. METLIFE, FOR ITSELF AND THE METLIFE ENTITIES, EXPRESSLY DISCLAIMS ALL OTHER WARRANTIES OF ANY KIND, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
METLIFE DOES NOT GUARANTEE, REPRESENT, OR WARRANT THAT (1) YOUR USE OF THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, (2) ANY INFORMATION OBTAINED BY YOU AS A RESULT OF THE SERVICE WILL BE ACCURATE OR RELIABLE, (3) THAT ANY DEFECTS OR ERRORS IN THE SOFTWARE PROVIDED AS PART OF THE SERVICE WILL BE CORRECTED OR (4) THE SERVICE WILL BE FREE FROM LOSS, CORRUPTION, ATTACK, VIRUSES, INTERFERENCE, HACKING, OR OTHER SECURITY INTRUSION. METLIFE DISCLAIMS ANY LIABILITY RELATING TO THE FOREGOING.
YOU UNDERSTAND AND AGREE THAT FROM TIME TO TIME, METLIFE MAY REMOVE THE SERVICE FOR INDEFINITE PERIODS OF TIME, OR CANCEL THE SERVICE IN ACCORDANCE WITH THE TERMS OF THIS AGREEMENT.
YOU UNDERSTAND AND AGREE THAT THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS ACCESSED AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICE, COMPUTER, OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.
YOU UNDERSTAND AND AGREE THAT THE SERVICE IS NOT INTENDED OR SUITABLE FOR USE IN SITUATIONS OR ENVIRONMENTS WHERE THE FAILURE OR TIME DELAYS OF THE SERVICE, OR ERRORS OR INACCURACIES IN, THE CONTENT, DATA OR INFORMATION PROVIDED BY THE SERVICE COULD LEAD TO DEATH, PERSONAL INJURY, OR SEVERE PHYSICAL OR ENVIRONMENTAL DAMAGE.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, AS SUCH, TO THE EXTENT SUCH EXCLUSIONS ARE SPECIFICALLY PROHIBITED BY APPLICABLE LAW, SOME OF THE EXCLUSIONS SET FORTH IN THIS SECTION MAY NOT APPLY TO YOU.
Limitation of liability
YOU EXPRESSLY UNDERSTAND AND AGREE THAT METLIFE AND THE METLIFE ENTITIES SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, OR OTHER INTANGIBLE LOSSES (EVEN IF METLIFE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (I) THE USE OR INABILITY TO USE THE SERVICE; (II) ANY CHANGES MADE TO THE SERVICE OR ANY TEMPORARY OR PERMANENT CESSATION OF THE SERVICE OR ANY PART THEREOF; (III) THE UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR CONTENT OR OTHER DATA, INCLUDING TAGGED INFORMATION AND SERVICE REGISTRATION DATA; (IV) THE DELETION OF, CORRUPTION OF, OR FAILURE TO STORE AND/OR SEND OR RECEIVE YOUR CONTENT OR OTHER DATA ON OR THROUGH THE SERVICE; (V) STATEMENTS, CONTENT OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; AND (VI) ANY OTHER MATTER RELATING TO THE SERVICE.
IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE §1542, WHICH SAYS: A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.
METLIFE’S AND THE METLIFE ENTITIES’ AGGREGATE LIABILITY WILL NOT EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100) OR THE AMOUNT YOU HAVE PAID METLIFE IN THE PAST TWELVE MONTHS.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY BY SERVICE PROVIDERS. TO THE EXTENT SUCH EXCLUSIONS OR LIMITATIONS ARE SPECIFICALLY PROHIBITED BY APPLICABLE LAW, SOME OF THE EXCLUSIONS OR LIMITATIONS SET FORTH HEREIN MAY NOT APPLY TO YOU.
Indemnity and waiver
You agree to defend, indemnify and hold MetLife and the MetLife Entities harmless from any claim or demand, including reasonable attorneys’ fees, made by a third party, relating to or arising from: (1) any Content you submit, post, transmit, or otherwise make available through the Service; (2) your use of the Service (3) use of your Account, whether or not such use is expressly authorized by you; (4) any violation by you of these Terms and Conditions; (5) any action taken by MetLife as part of its investigation of a suspected violation of these Terms and Conditions or as a result of its finding or decision that a violation of these Terms and Conditions has occurred; or (6) your violation of any rights of another.
You agree not to sue MetLife or any of the MetLife Entities as a result of MetLife’s decision to remove or refuse to process any information or Content, to warn you, to suspend or terminate your access to the Service, or to take any other action during the investigation of a suspected violation or as a result of MetLife’s conclusion that a violation of these Terms and Conditions has occurred.
This indemnity and waiver provision applies to all violations described in or contemplated by these Terms and Conditions.
This obligation shall survive the termination or expiration of these Terms and Conditions and/or your use of the Service.
These Terms and Conditions and the relationship between you and MetLife shall be governed by the laws of the State of New York, excluding its conflicts of law provisions.
You and MetLife agree to submit to the personal and exclusive jurisdiction of the courts located within the county of New York, New York, to resolve any dispute or claim arising from these Terms and Conditions.
Copyright Notice – DMCA. If you believe that any Content in which you claim copyright has been infringed by anyone using the Service, please provide us with the following information:
a description of the Content that you claim to be infringing
a description of the copyright work that you claim infringes your copyright
information reasonably sufficient to permit us to locate the allegedly infringing Content
a statement from you that you have a good faith belief that the use of the copyrighted work, in the manner you have complained of, is not authorized by the copyright owner, its agent or the law
a statement from you that the information in your notice is accurate
a declaration from you, under penalty of perjury, that you are the owner of or are authorized to act on behalf of the copyright owner
a physical or electronic signature of the copyright owner or person authorized to sign on their behalf
Our designated copyright agent for notice of alleged copyright infringement appearing in the Service is as follows:
MetLife Consumer Services attn.: Copyright Agent 1095 Avenue of the Americas New York, New York 10036 E-mail: firstname.lastname@example.org
If while using the Service, you encounter Content you find inappropriate, or otherwise believe to be a violation of these Terms and Conditions, you may report it by sending an email to email@example.com
If you have an issue to report about your Account or the Service, you may report it by sending an e-mail to firstname.lastname@example.org
Agreement constitutes the entire agreement between you and MetLife, governs your use of the Service, and completely replaces any prior agreements between you and MetLife in relation to the Service.
You may also be subject to additional terms and conditions that may apply when you use affiliate services, third-party content, or third-party software, including the Microsoft Azure terms and conditions.
If any part of these Terms and Conditions is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.
The failure of MetLife to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision.