We may use what we know about you to help us serve you better and to ensure you are treated fairly. We are allowed by law to use it, and disclose it to our affiliates and others, for many purposes. For instance, we may use your information, and disclose it to others, in order to:
- Help us evaluate your request for a product or service from us or an affiliate
- Help us process claims and other transactions
- Confirm or correct what we know about you
- Help us prevent fraud and other crimes
- Help us run our business
- To comply with applicable laws
- Process information for us
- Perform research for us
- Audit our business
We generally will not give information about you to third parties without your consent, unless otherwise permitted by law. When we do disclose information we generally will disclose only what we consider reasonably necessary and no more. If necessary to conduct our business, we may give information to:
- our agents,
- our affiliates, or
- others who perform business services for us.
When we disclose information to others to perform business services for us, they must agree to protect this information. And they may use the information only for the purposes of performing those business services. Other reasons we may disclose what we know about you include:
- Doing what a court or government agency requires us to do; for example, complying with a search warrant or subpoena,
- Telling another company about you, if we may be selling any part of our business or merging with another company; or
- Giving your information to someone pursuant to your written authorization.
We may use what we know about you in order to offer you our other products and services. We may also provide information to others outside of the MetLife companies, such as marketing companies, to help us offer our own products and services to you. If you do not qualify for coverage from the MetLife Auto & Home affiliate to which you applied, and you directed us to do so on your application, we may share information with an affiliated MetLife Auto & Home company that offers a similar policy for which you qualify. In addition, we can tell you about our affiliates and the products that they offer. To the extent permitted by law, we may also disclose information to your own Independent Insurance Agent or Broker.
Unless you tell us not to (see “Opt Out” Election?below), we may disclose information to our affiliates so that they can offer their products and services directly to you - without your specific authorization or direction. Our affiliates include life, securities firms, broker-dealers, a bank, a legal plans company and financial advisors. In the future, we may have affiliates in other businesses. In addition, if we have joint marketing agreements with unaffiliated companies, we may give them information about you so that we can offer products jointly or so they can offer products and services endorsed or sponsored by us to you. But we will not share information for joint marketing if you tell us not to or if the law that applies to you does not allow it.
Even if you do not “opt out,” we will not share your information with unaffiliated companies who may want to market their products directly to you, unless it is in connection with a joint marketing arrangement (as described above). For example, we will not sell or otherwise disclose your information to a catalog company.