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Legal Notices and Conditions of Use

Please carefully read this notice before you use this website. If you agree with the following conditions of use, please continue.

Information has been organized under the following headings:

General Notices and Conditions

All information in this website, including rates, is subject to change without notice. The products described are available and intended for distribution only in Canada. The Manufacturers Life Insurance Company and its clients, its agents, employees, directors, officers and affiliated companies shall not be liable for any damages caused to any person as a consequence of the use of this website. You agree that the use of this site is entirely at your risk. Many terms used in this website are defined terms in the certificate or policy of insurance. In all circumstances it is the terms of the actual certificate or policy of insurance which shall govern. Reference should be made to the actual terms of the certificate or policy of insurance.

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Site Content

The information contained on the pages of this site is subject to modification and update from time to time without notice. Manulife cannot guarantee or ensure the accuracy, completeness or authenticity of any site content, site functionality, or your transmission of any site content from the site to you.

Certain aspects of the site have been prepared by persons other than Manulife, and other World Wide Web sites that may be accessed from this site by hypertext links are entirely independent of the site. The inclusion of any site acknowledgments, identification of any person or entity in the site, or any hypertext link to another person or entity shall not, in any manner, be construed as an endorsement of such person's or entity's World Wide Web site, products, services, or contributions to the site.

Other World Wide Web sites which may provide access to this site by hypertext links are entirely independent of this site. Any direction by a third party to this site shall not in any manner be construed as an endorsement by Manulife of such party’s World Wide Web site, products or services.

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Use of the site

The site does not, and is not intended to, provide any financial, insurance, legal, accounting, or tax advice, and shall not be relied upon by you in that regard.

Manulife's products and services are available only in jurisdictions where they may be lawfully offered for sale, and not all Manulife products and services are available in all geographic regions. All Manulife products and services shall be subject to the terms and conditions of any applicable agreements.

You agree that your use of the site shall be on an "as is" basis entirely at your risk. Neither Manulife, nor any of its affiliated companies, nor any officer, director, or employee thereof, nor any other person associated with the creation of the site or its contents, shall be liable or responsible to any person for any harm, loss or damage that may arise in any connection with your use of the site, including without limitation any direct, indirect, special, third party, or consequential damages. Without limiting the foregoing, Manulife shall not be responsible for any detrimental reliance that you may place upon the site or its contents whatsoever.

The site shall not be used, or relied upon by you, as a substitute for your independent research or professional advice that is provided to you in direct consultation with a Manulife representative.

If you would like further information concerning site contents or you wish permission to use, to reproduce, or to republish any site contents, please click here.

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You acknowledge and confirm that the Internet is not a secure medium where privacy can be ensured, and that complete security and confidentiality over the Internet is not possible at this time. Your confidential use of the site cannot be guaranteed and you acknowledge that your use of the site (including information you transmit to the site) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimer herein, Manulife shall not be responsible or liable for any harm that you or any other person may suffer in connection with any such breach of confidentiality or security.

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Information provided by you through our website is used for Manulife business purposes only in order to service your needs as a customer.

Manulife may use "cookie" or related technology in order to track usage of the site, and in order to improve our service to you.

For further information about our Privacy Policy, please click here.

Governing Laws

The laws of the Province of Ontario and the federal laws of Canada applicable therein shall govern as to the interpretation, validity and effect of this Agreement and any use of the site. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of Ontario in any action or proceeding instituted under or related to this Agreement or your use of the site

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