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Legal Notices & Conditions of Use

Please carefully read this notice before you use this site. If you do not agree with the conditions of use herein, please exit this site. By using or adopting any information in this site, your consent to these conditions of use together any subsequent updates or amendments thereof will be deemed as given. You should therefore periodically visit this page to review the then current conditions of use to which you are bound.

Site Content

The information contained on the Pages of this Site is subject to modification and update from time to time without notice.

Certain aspects of the Site have been prepared by persons other than Manulife Financial 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.

Consequently, Manulife Financial cannot guarantee or ensure either the accuracy, completeness or authenticity of any Site contents, Site functionality, or your transmission of any Site contents from the Site to you.

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.

All trademarks, service marks, trade names, logos, and icons appearing on this site are owned by the Manulife and usage of the same without the express permission of Manulife Financial is prohibited.
The content/materials on this Site including but not limited to any images or audio-visual materials are owned, controlled, operated and/or licensed by Manulife Financial and are protected by copyright.

Use of Site

All Site content is for information purposes only and no aspect of the Site shall constitute an offer to buy or sell products or services of Manulife Financial and its affiliated companies.

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 Financial representative.

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

Not all Manulife Financial products and services are available in all geographic regions.

Manulife Financial's products and services are available only in jurisdictions where they may be lawfully offered for sale. All Manulife Financial 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 without warranty of any kind either express or implied. Neither Manulife Financial, 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, punitive, or consequential damages. Without limiting the foregoing, Manulife Financial shall not be responsible for any detrimental reliance that you may place upon the Site or its contents whatsoever.


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 Financial shall not be responsible or liable for any harm that you and any other person may suffer in connection with any such breach of confidentiality or security.

Since our company in Hong Kong provides various products and services this policy may not reflect all terms of use requirements. For further information please click the link below: