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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.
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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. 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.