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Terms of use

Please carefully read this notice before you use this site (“Site”) of Manulife Investment Management (Hong Kong) Limited (“Manulife”). Manulife (CE No. ACP555) is a company licensed by the Securities and Futures Commission of Hong Kong (the “SFC”) to carry on Type 1 (dealing in securities), Type 2 (dealing in futures contracts), Type 4 (advising on securities), Type 5 (advising on futures contracts) and Type 9 (asset management) regulated activities. This Site has not been reviewed by the SFC.

If you do not agree with the following conditions of use, please exit the Site. By using or accessing any information on this Site, your consent to these Terms of Use as well as any subsequent updates or amendments thereof will be deemed as given. You should therefore periodically visit this page to review the current Terms of Use to which you are bound.

Site Content

The information contained in this Site is current as at the date of publication only and Manulife reserves the right to revise or withdraw any information from time to time without notice.

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

Third party content is provided for informational purposes only and any access and usage of such content is at your own risk.

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

Use of Site

All Site content is for information purposes only and none of them have taken into account the personal conditions or circumstances of any specific person. No aspect of the Site shall constitute an offer, solicitation or recommendation to buy or sell products or services of Manulife, its affiliated companies or any other third parties. Any examples given on this Site are generic, hypothetical and for illustration purposes. The Site shall not be used, or relied upon by you, you are advised to seek independent investment and/or professional advice. Manulife is not an independent intermediary as it receives fees, commissions, or other benefits from its affiliated companies or other third parties, which may include product issuers.

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

Not all Manulife products and services are available in all geographic regions.The products and services are available only in jurisdictions where they may be lawfully offered for sale. All products and services shall be subject to the terms and conditions of any applicable documents including the relevant product constitutive documents, prospectuses, risks disclosure statements and key fact statements.

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, 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 or access of the Site, including without limitation any direct, indirect, special, third party, punitive, 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.


You acknowledge and understand 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. 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. The Site may have interruptions or delays in the transmission and receipt of instructions and/or the execution of instructions at prices different from those prevailing at the time of instructions.

Without limiting any other disclaimer herein, Manulife shall not be responsible or liable for any harm that you and any other person may suffer in connection with any such interruption, delay, breach of confidentiality or security.

Any use of personal information by Manulife will be subject to the Personal Data (Privacy) Ordinance, and its privacy policy and Personal Information Collection Statement.

Intellectual Property Notice

Names, phrases, logos, icons, graphics, images or designs used throughout the Site may be trade names, registered or unregistered trademarks or services marks ("Trademarks") of Manulife Financial Corporation, its subsidiaries, its affiliates or any other parties. The display of Trademarks on this Site is not an implied license to any third party for use of the Trademarks.

All information on this Site is protected under copyright laws. Except as provided on this Site, no one has permission to copy, redistribute, reproduce or republish any information found on this Site, which includes uploading or downloading without the prior written consent of Manulife.

Any retransmission or alteration of Trademarks or other form of unauthorized copying may be a violation of the law and such users may be subject to legal action.

Governing Laws

The laws of the Hong Kong Special Administrative Region of the People’s Republic of China (“Hong Kong SAR”) shall govern any use or access of the Site. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Hong Kong SAR in any action or proceeding instituted under or related to your use or access of the Site.


You acknowledge that past performance is not an indicator of future returns and that references to performance on this Site are provided as historical benchmarks only. The value of any investment may fall as well as rise. Any forecasts or projections or forward looking statements made whether by Manulife or any other party in the Site are not necessarily indicative of future or likely performance. These statements are only predictions and actual events or results may differ.

You are responsible for ensuring that you are appropriately informed about any securities, taxation or other legislation or law that could affect your investment decisions.

The information on this Site is intended for Hong Kong investors and is for reference only. If you are accessing this Site from a jurisdiction outside Hong Kong, you are responsible for compliance with applicable laws and regulations of your jurisdiction, and at the discretion of Manulife, your application and instructions may be rejected.

In case of discrepancies between the English and Chinese language content of this Site, the English version shall prevail.