General

This website ("Site") is owned and operated by Manulife Private Wealth ("MPW"), a division of Manulife Asset Management Limited. 

Please carefully read this notice before you use this Site. If you do not agree with the following terms and conditions ("Terms"), please exit the Site. All Terms will apply irrespective of the specific use made by you of this Site. MPW reserves the right, in our sole discretion, to change, modify, add or remove portions of these Terms at any time without notice to you. 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 Site. By accessing this Site after modifications to the Terms, you further acknowledge the Terms as modified and agree to be bound by them. By using this Site, you are entering into a contract with MPW and agreeing to the following:

Site Content

The information contained on the pages of this Site is subject to modification and update from time to time without notice. Reasonable efforts have been made to ensure that the information in this Site is complete, accurate and up-to-date. However, MPW cannot guarantee the accuracy, timeliness, completeness or authenticity of any site content, functionality, or the transmission of any Site content from the Site to you. MPW reserves the right to terminate or restrict access to all or any portion of the Site without notice to you.

Certain aspects of the Site have been prepared outside of MPW. Other internet sites for which connections may be provided, or which provide connections to this Site, are completely independent of this site. MPW does not endorse the sites to which we refer by hypertext links. Similarly, we do not endorse sites which refer to our site. In addition, the inclusion of site acknowledgments and the identification of persons and entities shall not, in any manner, be construed as an endorsement for the product, person or entity by MPW.

Confidentiality

The information contained in this Site is confidential and proprietary, and contains personal, confidential and/or proprietary information with respect to MPW clients. Only MPW clients, their authorized representatives and MPW employees should have access to this Site. You must keep your password and all other access credentials to this Site confidential, and not share them with any unauthorized person.

Use of the Site

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. The Site does not contain any advice as to the value of securities or as to the advisability of investing in, purchasing, or selling securities, banking, mortgage or insurance products. Decisions based on information contained in this Site are your sole responsibility. The information contained in this Site is not an offer to sell or a solicitation of an offer to buy any security or any investment, banking, mortgage or insurance product or service.

MPW's products and services are available only in jurisdictions where they may be lawfully offered for sale, and not all MPW products and services are available in all geographic regions. All MPW 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 MPW, 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, MPW 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. 

This Site is made available to you for your personal use only. You represent and warrant that you have reached the age of majority in your jurisdiction of residence. You also represent and warrant that any identification, contact or other information that may be requested from you as part of the registration process and/or continued use of this Site and its forums is accurate, current and complete and you will promptly update such information as necessary to ensure that it is kept accurate, current and complete. You shall not use the Site for illegal, infringing, offensive or privacy/confidentiality breaching activities.

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.

Indemnity

You will indemnify all MPW (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.

Limitation of Liability

MPW makes no warranty or representation that the Site can be accessed at all times. The Site, or portions of thereof, may, without notice, be temporarily unavailable or restricted for administrative or other reasons.

If you transmit any communication through this Site to MPW 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 Site. This Site is not designed for the transmission of time sensitive instructions - this means that if you use this Site 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 MPW, nor any officer, affiliate, manager, member, director, agent or employee of MPW, or any MPW affiliate, 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 but not limited to any delay or failure of in the functioning or operation of the Site due to government restriction, strikes, war, any natural disaster or any other condition beyond MPW's control.

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 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, MPW, its subsidiaries or affiliates, or associated officers, directors, employees or representatives 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.

Privacy

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

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

Statement of Corporate Privacy Principles

Intellectual Property Notice

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Names, phrases, logos, icons, graphics, images or designs, including the design marks above, used throughout the Site may be trade names, registered or unregistered trademarks or services marks ("Trademarks") of Manulife Asset Management Limited, its subsidiaries or affiliates. 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 MPW.

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 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.

Disclaimer

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.

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.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MPW DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, AND ALL OTHER CONDITIONS, EXPRESS OR IMPLIED, WITH RESPECT TO THIS SITE AND SUCH INFORMATION, SERVICES, PRODUCTS, CONTENT AND OTHER MATERIALS, INCLUDING BUT NOT LIMITED TO WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, FREEDOM FROM COMPUTER VIRUS, AND ANY IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE.