Online Privacy Policy

Online Privacy Policy

MetLife's Online Privacy Policy discloses how MetLife collects, stores, and uses the information you provide to us online.

Last Updated Date: 15/07/2026

MetLife's Online Privacy Policy describes how MetLife collects, uses, stores, transfers, protects, retains and, subject to applicable legal, regulatory and record retention requirements, deletes, anonymizes or otherwise disposes of personal information that you provide to us through our websites, mobile applications and other digital channels. Depending on the products, services and features you choose to use, such information may include identity and contact information, health and wellness information, activity and fitness data, wearable device information or wellness-related indicators, device and technical information, and usage analytics. We may use such information to provide and improve our products and services, support health and wellness initiatives, generate health and wellness scores and insights, facilitate customer engagement, provide personalized recommendations, perform analytics, and comply with legal and regulatory obligations. Certain digital services may utilize artificial intelligence (AI), machine learning and predictive analytics to generate health-related insights and recommendations; however, AI does not make final insurance, underwriting or claims decisions without appropriate human oversight. Personal information may be processed, accessed, stored or transferred within Bangladesh and, where necessary for the provision of services, in other jurisdictions, subject to appropriate safeguards. Individuals may request access to, correction of, or deletion of their personal information, subject to applicable legal and regulatory requirements. MetLife is committed to processing personal information in accordance with applicable laws and regulations, including the Personal Data Protection Act, 2026 of Bangladesh. Where there is any difference between applicable legal, regulatory or MetLife privacy requirements, the requirement providing the higher level of protection to personal data shall prevail.

1. Health & Wellness Data Collection and Processing

Health and Wellness Services

Where users voluntarily enroll in or activate health and wellness features within the One by MetLife application, MetLife and its authorized service providers may collect, process and analyze health and wellness information, including health metrics, activity and fitness data, wearable device information or wellness-related indicators, technical device information and usage analytics. Such information may be used to provide health and wellness services, generate health and wellness insights and scores, support customer engagement initiatives, facilitate personalized recommendations and improve user experience. Participation in such services is voluntary and users may choose not to participate or may withdraw from such services at any time, subject to applicable legal and operational requirements.

MetLife may engage any service providers and technology partners to support health and wellness services, health analytics, wellness scoring, personalized wellness insights, wearable device integration and related digital health functionalities. Such parties process personal information solely for authorized purposes and are required to implement appropriate security, confidentiality and privacy safeguards in accordance with applicable contractual, legal and regulatory requirements.

2. Artificial Intelligence (AI) and Health Analytics

Artificial Intelligence and Health Analytics

Certain health and wellness features offered through One by MetLife may utilize Artificial Intelligence ("AI"), machine learning and predictive analytics technologies to assess wellness indicators, generate health and wellness scores, provide personalized insights and support relevant recommendations. Any recommendations or insights generated through such technologies are intended solely for informational and wellness purposes and do not constitute medical advice, diagnosis, treatment recommendations or professional healthcare services. MetLife does not use AI to make underwriting, insurance coverage, claims or other decisions that produce legal or similarly significant effects on individuals. Appropriate human oversight is maintained over relevant processes and decision-making activities.

The features of the One by MetLife app is not a medical device and does not diagnose, treat, cure, or prevent any medical condition. Any health scores, wellness insights, recommendations or analytics generated through the One by MetLife application or associated health and wellness services are intended solely for informational and wellness purposes and should not be relied upon as professional medical advice, diagnosis or treatment.

3. International Data Transfers 

International Data Transfers 

Personal information collected through MetLife's websites, mobile applications and digital channels may be collected, processed, accessed, stored or transferred within Bangladesh and, where necessary to provide services, in other jurisdictions by MetLife, and other authorized service providers acting on MetLife's behalf. Appropriate contractual, technical and organizational safeguards are implemented to protect personal information during such transfers in accordance with applicable legal, regulatory and contractual requirements, including the Personal Data Protection Act, 2026 of Bangladesh.

4. Account and Data Deletion

Users may request deletion of their account, profile, or personal data through the App or by contacting MetLife. Deletion requests will be processed in accordance with applicable laws and MetLife's data retention requirements. Certain information may be retained where required for legal, regulatory, audit, security, fraud prevention, insurance administration, or record-keeping purposes. MetLife shall not be liable for any loss of access to services, benefits, records, or information arising from the deletion of an account or data at the user's request.

5. Cookies and Similar Technologies

MetLife may use cookies, SDK technologies, device identifiers, analytics technologies to help improve service, understand usage patterns, enhance security, personalize experiences. Users may control certain technologies through device or browser settings.

6. Changes to this Privacy Policy

MetLife may update this Online Privacy Policy from time to time. Any updates will be posted through our websites, applications, or other digital channels. Continued use of our services after updates become effective constitutes acknowledgment of the revised Online Privacy Policy.

7. Consent for Health and Wellness Features

By selecting “I Agree,” I consent to American Life Insurance Company, Bangladesh Branch (MetLife), and its authorized service provider, collecting, using, processing, storing and analyzing my personal information for the One by MetLife health and wellness features. This may include my identity and contact information, date of birth, gender, device and technical information, usage data, activity and fitness data, wearable or mobile health app data, health metrics, wellness indicators where enabled and other information I provide or generate through the app.

I understand that this information may be used to provide health and wellness services, generate wellness scores and insights, support health engagement, provide personalized recommendations, support product recommendation and lead follow-up, improve app functionality, perform analytics, maintain security, and comply with applicable legal and regulatory obligations.

I understand that certain features may use artificial intelligence, machine learning or predictive analytics to generate wellness scores, health-related insights or recommendations. These outputs are for informational and wellness purposes only. They do not constitute medical advice, diagnosis, treatment, or professional healthcare services, and the app is not a medical device. MetLife will not rely solely on AI-generated outputs to make underwriting, insurance coverage, claims or other decisions that produce legal or similarly significant effects on me without appropriate human oversight.

I understand that my information may be processed, accessed, stored or transferred by MetLife and its authorized service providers acting on MetLife’s behalf, subject to contractual, technical and organizational safeguards.

I understand that my participation is voluntary. I may choose not to activate these features, and I may withdraw my consent or discontinue participation at any time through the app or by contacting MetLife. Withdrawal of consent may limit my ability to use the health and wellness features, but it will not affect processing that was lawfully carried out before withdrawal or any retention required by law, regulation, audit, security, dispute resolution, insurance, or record retention obligations.

I confirm that I have read and understood the Privacy Notice  and consent to the processing described above.

online-privacy

General Privacy Notice

Online Privacy Policy FAQ

This Online Privacy Policy applies to personal information collected through MetLife websites, the One by MetLife mobile application, online servicing platforms, customer portals, and other digital channels that link to this Privacy Policy. It covers how MetLife collects, uses, stores, transfers, protects, retains, and, where applicable, deletes or anonymizes personal information submitted through these digital services.

Depending on the services and features you choose to use, including health and wellness services available through the One by MetLife application, we may collect:

  • Identity information (such as name, date of birth and gender);
  • Contact information (such as phone number and email address);
  • Health and wellness information;
  • Health metrics from wearable devices, fitness trackers and mobile health applications;
  • Activity and lifestyle information;
  • Device and technical information;
  • Usage, analytics and application interaction information; 
  • Wellness-related indicators used to support health and wellness services.

We may use personal information to provide insurance-relatedservices, online servicing, customer support, health and wellness services, wellness tracking, health scoring, customer engagement initiatives, personalized recommendations and analytics. Certain health and wellness features may use Artificial Intelligence (AI), machine learning or predictive analytics to generate health-related insights and recommendations. AI-generated outputs are used for informational and engagement purposes and are subject to appropriate human oversight.

We may share personal information with MetLife affiliates, authorized service providers and verified vendors who assist us in providing health-related consultations, wellness tracking, health analytics, customer engagement activities and related digital services. Such parties are required to protect personal information and process it only for authorized purposes.

Participation in health and wellness features is voluntary. Where required, MetLife will seek your consent before collecting and processing health and wellness information. You may choose not to participate in these services or may discontinue participation at any time, subject to applicable
legal, regulatory and operational requirements.

MetLife may share personal information with verified vendors and service providers who assist in providing health consultations, wellness programs, health tracking, health analytics and related services on MetLife's behalf. Such processing is subject to contractual and security safeguards designed to protect your information.

Certain health and wellness features, including health tracking, wellness scoring, wearable device integrations, health analytics and AI-assisted wellness insights, will only be activated after you have been presented with an appropriate disclosure and have provided your affirmative
consent. You may withdraw your consent and discontinue participation in such features at any time, subject to applicable legal, regulatory and operational requirements.

In addition to our existing technical, administrative and physical safeguards, MetLife implements security measures designed to protect personal information, including sensitive personal information such as health and wellness data processed through our websites, mobile applications and other digital platforms. Such measures may include encryption of data in transit and at rest, authentication controls, role-based access management, multi-factor authentication, monitoring and audit logging, and other security measures designed to prevent unauthorized access, use, disclosure, alteration or loss of personal information. Where personal information is processed by authorized service providers, vendors or technology partners on our behalf, they are required to implement appropriate security safeguards and comply with applicable contractual, legal and regulatory requirements. MetLife regularly reviews and enhances its security practices to support compliance with applicable laws and regulations, including the Personal Data Protection Act, 2026 of Bangladesh, and to address evolving security risks and technological developments.

You may update certain personal information directly through the One by MetLife application where such functionality is available. You may also contact MetLife or your servicing agent to request updates or corrections to your personal information.

If you have questions, comments or requests relating to this Online Privacy Policy or the processing of your personal information, you may contact us through:

Email: customer.services@metlife.com.bd

Toll-Free: 08000016344

Contact Us: Through the Contact Us section available on our website and digital platforms.

We may amend this Online Privacy Policy from time to time to reflect changes in our products, services, digital platforms, privacy practices, technologies, legal obligations, regulatory requirements or business operations. Where required, we will provide notice of material changes through appropriate communication channels, including our website, the One by MetLife mobile application, online servicing platforms, email communications or other customer communication channels. We may also update this Online Privacy Policy to comply with changes in applicable laws and regulations, including the Personal Data Protection Act, 2026 of Bangladesh and any related implementing rules, regulations or guidance. Any material changes to this Online Privacy Policy will become effective in accordance with applicable legal and regulatory requirements and will be communicated to users as required by law.

Certain health and wellness features available through MetLife digital platforms may use Artificial Intelligence (AI), machine learning and predictive analytics to generate wellness insights, health scores and recommendations. These outputs are intended for informational purposes only and do not constitute medical advice or determine insurance coverage, underwriting or claims decisions without appropriate human oversight.

MetLife may transfer, store, access or process personal information outside Bangladesh where necessary to provide services and operate our digital platforms. Depending on the service being used, processing may occur in Bangladesh or other jurisdictions where MetLife or their authorized service providers operate. Appropriate safeguards are implemented to protect personal information during such transfers in accordance with applicable legal and regulatory requirements, including the Personal Data Protection Act, 2026 of Bangladesh.

Users may request deletion of their One by MetLife profile through the in-app account deletion function or through the online account deletion form available at https://www.metlife.com.bd/delete-account/.

Upon account deletion, MetLife and its authorized service providers will delete or anonymize associated health and wellness information, Rest assured that health/wellness data is retained only as long as necessary for stated purposes, account operation, legal/regulatory/audit/security obligations according to MetLife Information Lifecycle Management retention requirement.

However, where an individual has submitted a lead, requested information about MetLife products or services, expressed an interest in purchasing insurance products, or where retention is otherwise required by law or regulation, certain information may continue to be retained by MetLife for those permitted purposes.