Regulatory

Operation of this Website

This website is operated by Manulife Asset Management Limited, Manulife Asset Management Investments Inc. and Manulife Bank of Canada (“Manulife Bank”). These companies are separate corporate entities which are affiliated. Investment services are offered by Manulife Asset Management Limited and/or Manulife Asset Management Investments Inc. Banking services and products are offered by Manulife Bank. Wealth & Estate Services are offered by Manulife Trust Company, a wholly owned subsidiary of Manulife Bank.

Important Investor Information

Please carefully read the following disclosure, which sets out important information, and terms and conditions ("Terms") that you need to know and agree to in order to enter this portion of the website. By accessing this portion of the website, you agree to be bound by these Terms.

This website is directed only to residents of Canada that are exempt investors, including "accredited investors" as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".) Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

Mutual Fund:

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Money Market Fund:

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Past performance may not be repeated.

Asset Allocation Service:

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments and the use of an asset allocation service. Please read the prospectus of the mutual funds in which investment may be made under the asset allocation service before investing. Mutual funds are not guaranteed, their value change frequently and past performance may not be repeated.

Non-Canadian and Non-Accredited Investors

Certain of the funds and strategies described herein may only be available only to Canadian residents, or more specifically to exempt investors, including "accredited investors". This communication does not constitute an offer or solicitation to anyone in any other jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. Prospective investors who are not resident in Canada should consult their advisor to determine if the funds and strategies described herein may be lawfully sold in their jurisdiction.

Does this website offer advice?

No. Nothing contained within this website should be construed as investment, insurance, securities, tax or legal advice, and you agree that this website will not be used by you for these purposes. The website does not contain any advice as to the value of securities or as to the advisability of investing in, purchasing, or selling securities or insurance products. Decisions based on information contained in this website are the sole responsibility of the user. The information contained in this website is not an offer to sell or a solicitation of an offer to buy any security or any investment or insurance product or service.

What are the general risk factors I should be aware of before accessing information on this website?

  • Investment involves risks.
  • Past performance is no guide to future returns. Please note that the price of units or shares and the income from them can fall as well as rise and you may not get back the amount originally invested.
  • The value of your investment and any income from it can fall as well as rise and you may not get back the amount you have invested.
  • Exchange rate fluctuations may affect the value of an investment and any income derived from it.
  • If you exercise any right to cancel, you may not get back the amount initially invested if the unit or share price has fallen since you invested.
  • Deductions for charges and expenses, particularly the initial charge, are not made uniformly throughout the life of the investment, so if you redeem out of the investment during the early years, you may not get back the amount invested.
  • There can be no guarantee that the tax position or proposed tax position prevailing at the time of an investment will not change.
  • Dividends and capital gains on securities issued in the relevant funds may be subject to withholding taxes imposed by the countries in which each particular fund invests.

You must read any relevant offering document(s) and/or investment policy statement for any fund or strategy for all the relevant risk factors pertaining to your investment. You are responsible for ensuring that you are appropriately informed about any securities, taxation or other legislation or law that could affect your decision to invest in any fund or strategy described herein.

Unclaimed Property

Certain provinces have enacted legislation that governs how unclaimed property is to be dealt with. Generally, unclaimed property legislation requires holders of unclaimed property to make reasonable efforts to locate the owners of unclaimed property so that the property can be returned to the owner. 

Manulife Asset Management Limited is committed to complying with the legislation of any jurisdiction that has enacted legislation governing the treatment of unclaimed property. As of October 2011, three provinces (British Columbia, Alberta and Quebec) have enacted unclaimed property legislation. If Manulife Asset Management Limited is unsuccessful in its attempts to locate and notify an owner of unclaimed property whose last known address is in a jurisdiction that has enacted unclaimed property legislation and twelve months have passed since the date of the circumstance arising, Manulife Asset Management Limited's Chief Compliance Officer will authorize the addition of the unclaimed property into the public records. Manulife Asset Management Limited will utilize any publicly available database in the jurisdiction established and maintained for such purpose. 

If you believe you have unclaimed property, please call us toll free 1-877-852-2204one eight seven seven eight five two two two zero four.

Important information about liability

You agree that your use of the website shall be on an "as is" basis entirely at your own risk. 

Limitations of liability - Manulife Asset Management Limited, Manulife Asset Management Investments Inc. and Manulife Bank make no warranty or representation that the website, including the country-specific sections, can be accessed at all times. The website, or portions of the website, may, without notice, be temporarily unavailable or restricted for administrative or other reasons.

You will indemnify all Manulife Asset Management Limited, Manulife Asset Management Investments Inc. and Manulife Bank (including their parent companies, and affiliated or associated companies) and their officers, directors, employees and agents in respect of any third-party claim, including reasonable attorneys' fees, for any injury, loss, damage or expense occasioned by or arising directly or indirectly from the operation, use or supply of information to a third party provided in breach of any of your obligations under these Terms.

If you transmit any communication through this website directly or through any third-party internet or other service provider, you shall be responsible and liable for any omissions or failures that may be made while transmitting or receiving communications using this website. This website is not designed for the transmission of time sensitive instructions - this means that if you use this website to transmit time sensitive instructions, you will be responsible and liable for any loss that may arise, and you transmit such time sensitive information at your own risk.

You agree that neither Manulife Asset Management Limited, Manulife Asset Management Investments Inc. and Manulife Bank, including any of their officers, affiliates, managers, members, directors, agents or employees, or any of their affiliates, will be liable to you or any third party for any direct, indirect, incidental, special, punitive, or consequential damages, loss of profits, loss of earnings, loss of business opportunities, damages, expense, or costs resulting directly or indirectly from, or otherwise arising in connection with, the use or inability to use the website by you or any third party, including without limitation any of the following:

  1. Reliance. Damages resulting from or arising from any reliance on the website or any content on the website, or the mistakes, omissions, interruptions, errors, defects, delays in operation, non-deliveries, mis-deliveries, transmissions, eavesdropping by third parties, or any failure of performance of the website or any content.
  2. Infringement, Etc. Any allegation, claim, suit, or other proceeding based upon a contention that the use of the website by any user or a third party infringes the copyright, patent, trademark, trade secret, confidentiality, privacy, or other intellectual property rights or contractual rights of any third party.
  3. Force Majeure. Any delay or failure to perform due to government restriction, strikes, war, any natural disaster or any other condition beyond Manulife Asset Management's control.

Hyperlinks

We do not recommend or endorse and accept responsibility for the content of any website not operated by Manulife Asset Management Limited, Manulife Asset Management Investments Inc. and/or Manulife Bank which you may visit by following a link from this website. You acknowledge and agree that Manulife Asset Management Limited, Manulife Asset Management Investments Inc. and Manulife Bank are not responsible for the availability of such third-party sites or resources, and do not endorse, approve, investigate or verify, and are not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. You further agree that Manulife Asset Management Limited, Manulife Asset Management Investments Inc. and Manulife Bank shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, products or services available on such external sites or resources. These links are provided as a convenience and solely for informational purposes. Manulife Asset Management Limited, Manulife Asset Management Investments Inc. and Manulife Bank are not making any recommendation to invest in, purchase, or sell any securities or other products or services issued by the companies with the linked sites, nor has Manulife Asset Management Limited, Manulife Asset Management Investments Inc. and Manulife Bank sought to verify or confirm the information contained in the linked sites. Accordingly, Manulife Asset Management Limited, Manulife Asset Management Investments Inc. and Manulife Bank disclaim any responsibility for the linked sites.

No other website, without the prior written permission of Manulife Asset Management Limited, Manulife Asset Management Investments Inc. and Manulife Bank, is authorized to link to any part of this website.

Changes to content within the website

We reserve the right, in our sole discretion, to change, modify, add or remove portions of these Terms at any time without notice to website users. Similarly, we reserve the right, in our sole discretion, to change, modify, add or remove the content of this website, including the country-specific sections, or to terminate the website in whole or in part. You must check these Terms periodically for changes. Any changes, modifications, or additions to, or deletions from these Terms shall be effective upon posting on this website. If you access this website, including the country-specific sections, after we post changes to the Terms, you further acknowledge the Terms as changed and agree to be bound by them.

Privacy policy and data protection

You consent to the processing by Manulife Asset Management Limited, Manulife Asset Management Investments Inc. and/or Manulife Bank of the personal data submitted by you through the website and/or created in the course of the business relationship with Manulife Asset Management, and to the transmission of such personal data to other companies within the Manulife Financial corporate umbrella (by the internet or otherwise) for purposes connected with marketing and customer administration. 

Some of our business areas may offer or promote their other financial products and services, or those of our affiliates and select third parties, that we believe may be of interest to you. We will share personal information with our affiliates for these purposes, only if the law permits it. Please note that we do NOT give your personal information, without your consent, to any organization outside of our member companies, for the purpose of that organization marketing their own products or services directly to you. 

If you do not wish your information to be used in this way, you should advise us in writing.

For further reference on Manulife Financial's policy, please read the "Statement of Corporate Privacy Principles". 

Please note that if you telephone calls may be monitored or recorded to maintain and improve services. 

Cookies 

This website use "cookies" for collecting user information from certain pages of the websites, and in order to improve our service to you. A cookie is a file that is stored on the hard disk of a computer by the web browser on a computer. It contains information sent by the website that a user has visited. Manulife Asset Management Limited, Manulife Asset Management Investments Inc. and Manulife Bank use cookies in two ways. Firstly, cookies are used to direct users to the correct portion of the website, i.e., to the area most appropriate for their user needs, and/or to the correct language version of their site in the case of sites with multiple languages. Secondly, cookies are used to gain basic information on users such as whether they are unique or regular users. The former type of cookie will expire after the end of the user's session whereas the latter will remain unless they are deleted by the user. Users may choose to refuse cookies or turn them off through their web browser settings, however, this may prevent access to parts of the website.

Security 

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 website cannot be guaranteed and you acknowledge that your use of the website (including information you transmit to the website) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimer herein, Manulife Asset Management Limited, Manulife Asset Management Investments Inc. and Manulife Bank 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.

User content

You agree that you are solely responsible for your actions, and the content of its transmissions through or posting on the website and that such actions will abide by all applicable local, state, national and international laws and regulations in use of the website. You also agree not to (i) upload or distribute in any way files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer; (ii) interfere or disrupt networks connected to the website; (iii) use any device, software or routine in an attempt to interfere with the proper functioning of the website or any transactions being offered at the website; and (iv) take any action that imposes an unreasonable or disproportionately large load on the website's infrastructure.

General

In the event that any provision of these Terms shall, in whole or in part, be determined to be invalid, unenforceable or void for any reason, such determination shall affect only the portion of such provision determined to be invalid, unenforceable or void, and shall not affect in any way the remainder of such provision or any other provision of these Terms. Manulife Asset Management Limited, Manulife Asset Management Investments Inc., Manulife Bank and the user authorize a court or arbitrator to replace such an invalid, unenforceable or void provision with a valid provision which is as similar as possible in substance to the invalid, unenforceable or void provision. Failure to act by Manulife Asset Management Limited, Manulife Asset Management Investments Inc. and/or Manulife Bank with respect to a breach by user or others does not waive their right to act with respect to subsequent or similar breaches. 

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 website, other than the country-specific portions of the website, which shall be governed as indicated therein. 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 website. In the event of any conflict between foreign laws, rules and regulations and those of Canada, the laws, rules and regulations of Canada shall govern. 

These Terms and any modifications hereto constitute the entire agreement between the parties with regard to the subject matter hereof and supersede all prior understandings and agreements, whether written or oral, as to such subject matter. Nothing contained in these Terms shall be deemed to constitute either party as the agent or representative of the other party, or both parties as joint ventures or partners for any purpose.

 

Custody and Administration Change: RBCIS Agreement

At Manulife Private Wealth we are committed to providing the best possible client experience. This includes the work that goes on behind the scenes to make sure that the administration of your accounts including delivery of statements, tax reporting, trades execution and other portfolio administration tasks are handled in the most efficient way possible. Over the past several months, the Canadian Securities Administrators introduced amendments to securities regulations regarding custody and administration of client accounts. Having reviewed these changes and being committed to meeting and exceeding industry best practice, we have made the decision to change our custodial arrangement.