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  Terms of Purchase

Subject to Applicable Agreements
Any purchase of insurance from this Site will be subject to the applicable laws and the terms and conditions of the contract of coverage as issued by Manulife.

Privacy and Security
Although our security efforts are consistent with industry practice in Canada, your complete privacy, confidentiality and security is not yet possible over the Internet and therefore, cannot be guaranteed. As a result, Manulife shall not be responsible or liable for any harm or loss resulting from your transmission of any information to us.

Information Accuracy
The content on our site is for informational purposes only, and should not be interpreted as a recommendation for any specific product or service, use or course of action. It's not intended to be used as a substitute for financial, legal, accounting, tax, or other professional advice or services, so please don't rely on it for these purposes. We are unable to guarantee that the information contained in our site is accurate at all times or suitable for any particular purpose and we make no express or implied representations or warranties about the information. We won't be responsible for any reliance you or any other party might place upon the information has a negative result for you or them, and we won't be responsible for any damages you or others might suffer, even if we had been warned of the possibility of these damages.
Use of this Site shall be on an "as is" basis and entirely at your own risk.

No Liability
The Manulife, its affiliated companies, its officers, directors, agents or employees, or any other person associated with the creation of this Site, shall not be liable or responsible for any harm, loss or damage (whether arising in contract, tort, negligence, or otherwise) that may arise in any connection with use of this Site, including any direct, indirect, special, third party, or consequential damages.

Customer Information
You agree that all information you provide to Manulife in any connection with this Site is true, accurate and complete in all ways and you acknowledge that Manulife relies on that information to provide you with information and/or insurance coverage.

Important Notice
This is not a contract. Actual terms and conditions are detailed in the policy issued by Manulife upon application approval. It contains important information concerning details, terms, conditions and limitations. Please read it carefully upon receipt.

Medically Underwritten
If the plan is "medically underwritten" or "requires a medical questionnaire", you must disclose any medical condition, injury or illness that occurred or existed on or before the date of your application, regardless of whether you went to see a doctor about the condition or were given a diagnosis, or whether or not you believe that it is important. The premium charged and/or benefits offered could be subject to adjustment or modification of coverage, or declined based on you or your family's medical background. This will be determined after an evaluation of the information provided on the enclosed medical questionnaire.

Effective Date of Coverage
Coverage is effective the first day of the month following the receipt of the application.

Warning re Internet Explorer - Intellisense "AutoComplete" or similar features used by other browsers
Later versions of Internet Explorer offer a feature named "AutoComplete". Among other uses, AutoComplete works when filling out forms on the Web. After the first time you type your name or other frequently used information into a form, AutoComplete "remembers" it. The next time you start to type your name, AutoComplete gives you a drop down list of matches for you to select from. AutoComplete, or similar features of other browsers, potentially present a security issue, in that any information entered on websites can be accessed by future users of that same computer via the drop down boxes. Note: The information used for suggested matches is stored and encrypted for privacy on the user's computer, and is NOT stored on Manulife's server.

Manulife does not encourage or discourage use of this feature, and assumes no responsibility for private information made available to other users of the same computer at a later date.

Should you wish to disable "AutoComplete" or a similar feature of another browser please consult your reference manual or contact the manufacturer.

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