Terms & privacy
Metropolitan is a division of Momentum Metropolitan Life Limited, a long-term insurer, registered financial services provider and authorised credit provider. Momentum Metropolitan Life Limited is a part of the Momentum Metropolitan Group.
Information on the website is intended to serve as general information on the chosen subjects. The decisions you make based on this information do not constitute advice. Before making any decision or taking any action based on any information on the Metropolitan website you should ensure you are sufficiently well informed. Metropolitan is not liable for any losses or damages suffered as a result of relying on the information on the website.
Subscribing to any service or buying any product through the website is subject to Metropolitan’s contractual terms applicable to that product or service and applicable legislation.
A link to a third-party website does not necessarily mean that Metropolitan endorses, authorises or sponsors that website, or that Metropolitan is affiliated to such website's owners or sponsors. Metropolitan is not be responsible or liable for any content displayed on any third-party website.
Use of the Metropolitan website or the purchase of services or products from Metropolitan in the country in which you live may not be permissible within the regulations of your country. Your use of the website or any purchase that you may make is entirely at your own risk. Metropolitan does not accept any liability where a product or service is purchased illegally.
Metropolitan takes reasonable care to provide accurate information on the Metropolitan website. However, information displayed on the Metropolitan website is provided without any express or implied warranty that the information is appropriate or suitable for any particular purpose, that it is complete or accurate, or that it or any hardware on which it is stored is virus or malware free.
You may not -
- Reproduce, modify, create derivative works from, publish, distribute, transmit, display, license or transfer any of the content displayed on the website unless you have Metropolitan's prior written authorisation;
- Decompile, reverse engineer, or disassemble the website, a linked website, or any software employed in the display or operation of the website;
- Post on or transmit to the website content of an unlawful nature, such as content that is threatening, defamatory or pornographic or content that could damage Metropolitan's image or impair its ability to do business;
- Use the website in a manner that could damage, disable, overburden, or impair any Metropolitan server or network connected to any Metropolitan server or interfere with any other party's use of the Metropolitan website;
- Interfere with any content displayed on the Metropolitan website or attempt or gain unauthorised access to the information displayed on the website to which you may not be authorised, or to any secure area on the website, a Metropolitan server or any other part of the Metropolitan information system.
- Frame the website or any of its pages or content without Metropolitan's prior written consent.
When you communicate with Metropolitan by electronic communication methods provided for on this website or as recommended by this website, you agree that the electronic communication is binding on you. You agree that all electronic agreements, notices, disclosures, and other communications satisfy any legal requirement that such communications should be in writing. You accept the risks inherent in electronic communication in whatever form.
You are responsible to ensure that Metropolitan has received the information communicated electronically.
You acknowledge and consent that Metropolitan, in its discretion, may retain and store your electronic communications for the purpose for which they were sent.
Any email communication sent to you will be regarded for the purposes of this agreement to have been received by you when it enters an information system outside of the control of Metropolitan.
Metropolitan is not responsible for the wireless services used by devices and disclaims any responsibility for the lack of functionality, capability or reliability of any device or software used to access the Metropolitan website.
Use of the Metropolitan website is free of charge but you are responsible for any fees which may be charged by your service provider which may be associated with your using the Metropolitan website.
The functionality and use of your device is outside of the control of Metropolitan and Metropolitan will not be responsible for interference with the integrity, transmission, delays, limitation of network coverage, outages or interruption in the wireless services.
Metropolitan will not be responsible for any loss incurred or damages suffered (whether direct, indirect, special, or consequential) to you or any third party that may be attributable, directly or indirectly, to the use of, or reliance upon, any content displayed on the Metropolitan website by you.
Metropolitan will not be responsible for any interruption, delayed or failed transmission, loss of programs or other data or the storage or delivery of information resulting from whatever cause.
Although Metropolitan takes reasonable care to prevent harm or loss to you, Metropolitan will not be liable for any loss or damage you may suffer arising from your ability or inability to use the Service.
You warrant that:
- You are who you say you are and that you can prove your identity should Metropolitan require you to do so;
- That all information you provide at any time to Metropolitan using the Metropolitan website will in all respects be current, complete, and accurate.
The website and all its content (including software, text, graphics, icons, hyperlinks, private information, and designs) are owned by or licensed to Metropolitan. The website and its contents it may not be used in any way without Metropolitan or the licensor's prior written consent.
Metropolitan reserves the right to:
- Refuse you further access to the website if:
- Metropolitan is unable to verify or authenticate any information you provide to it; or
- Metropolitan believes that you are conducting activities that are illegal, abusive, threaten the integrity of the website, or may place Metropolitan in disrepute;
- Refer any breach to the police if such breach constitutes a crime;
- Claim damages for all loss and damage it suffers, and expenses it incurs as a result of your breach.
You agree to submit to the jurisdiction of the High Court of South Africa (Western Cape Provincial Division).
You agree that South African law applies, regardless of where you may be located or in what court action may be instituted.
No failure or delay by Metropolitan to exercise any of its rights will be construed as a waiver of any such right.
If any part of this Agreement is held to be invalid, unlawful or unenforceable, the clause will be deleted from the Agreement, the remainder of which will continue to be valid to the full extent permitted.
Copyright © Metropolitan, a division of Momentum Metropolitan Life Ltd ("Metropolitan"), Parc du Cap, Mispel Road, Bellville, Cape Town, South Africa. Metropolitan owns this website and its contents.
Metropolitan makes reasonable efforts to maintain the confidentiality of your personal information and comply with the Protection of Personal Information Act 4 of 2013 (POPIA) when processing your personal information.
This notice applies only to Metropolitan, a part of Momentum Metropolitan Life Limited, a licensed life insurer and authorised financial services (FSP44673) and registered credit provider (NCRCP173) operating in South Africa.
The purpose of this notice is to inform Metropolitan’s clients about the type and use of personal information the company collects, the ways in which it is collected, the sharing, protection and storage thereof.
The term ‘personal information’, as used in this notice, applies to information that may be used to identify an individual or a juristic person (i.e. for example a registered company).
POPIA defines personal information as “information which relates to an identifiable, living, natural person, and where it is applicable, an identifiable, existing juristic person. The person to whom personal information relates is referred to as the “data subject”.
Examples of personal information include, but are not limited to, contact information, financial information, information relating to race, gender, sexual orientation, age, physical or mental health, well-being, disability, religion, conscience, belief, culture, language and birth of the person.
Personal information collected by Metropolitan can include a data subject’s name, contact, birth date, identity number, gender, employment details, marital, family, policy, location information, online identifier, bank account, medical or health information.
When personal information is collected, the company will indicate the purpose for the collection and whether the information required is compulsory or voluntary.
The company collects information either directly from you, the data subject, the employer or through financial services intermediaries. In certain instances, Metropolitan may appoint third parties to collect information on its behalf. The source from which personal information was obtained, if not directly from the data subject, will be disclosed.
After obtaining consent, the personal information collected or held by Metropolitan may be used, stored, transferred or disclosed or shared for the following purposes:
- Providing quotations, for underwriting and processing insurance applications
- Processing insurance claims
- Providing on-going administration services for the duration of the contract
- Fulfilling a transaction on request of a data subject
- If permission is given, Metropolitan may use your personal or other information to tell you about products, services and special offers from the company.
Metropolitan will only share your personal information with third parties if you have consented to such disclosure. If consent has been obtained, the company may share your personal information with persons or organisations within and outside of Metropolitan.
Where Metropolitan discloses personal information to intermediaries, other financial institutions, insurers or any other third parties, the third parties will be obliged to use that personal information only for the reasons and purposes it was disclosed for. Metropolitan may be obliged to disclose your personal information to the extent that it is required to do so by law, in connection with any legal proceedings or prospective legal proceedings, or for the purposes of protecting the interest of clients, for example fraud prevention or to give effect to an agreement.
Metropolitan will take all reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information. The company will store all the personal information in secured environments, for example on secured servers in a protected data centre.
You can request to review your personal information contained in Metropolitan’s records at any time to correct or update the information. If the purpose for which your personal information was requested initially does not exist anymore, for example you no longer have a contract with it, you may request information held by the company to be removed. However, Metropolitan can decline your request to delete the information from its records if other legislation requires the continued retention thereof or if it has been de-identified.
Metropolitan may update this notice periodically and an updated version may be requested, for example through a postal request or through an email notification addressed to the contact details provided below.
If you have any questions about this notice or Metropolitan’s treatment of your personal information, please address an email to [email protected]
The Constitution of the Republic of South Africa grants everyone the right of access to any information held by the state and any information that is held by another person that is required for the exercise or protection of any rights.
The PAIA is the national legislation which gives effect to this right.
Click on the links below to access the PAIA manuals for the Metropolitan Life Retirement Annuity, Metropolitan Pension and Provident Preservation Funds and the Form C to be completed when requesting any information:
Welcome to Metropolitan’s information pages on the Principles and Practices of Financial Management (PPFM). The information aims to inform you about what you need to know when buying a discretionary participation product. This is in line with industry standards which seek to promote transparency, good governance and fairness in the management of discretionary participation products.
These are products that rely on Metropolitan’s ability to use its discretion (decide what is in the best interest of the policyholder) to manage them with regards to investment, smoothing and bonus declarations.
Below we have included a detailed version of the PPFM, as well as a client summary providing a high level overview:
Report fraud and unethical actions by a Metropolitan financial adviser, employee or client via the email link below.
Your report may be about new or existing business transactions.