Legal and Disclaimers

Site Content

This website (the “Site”) has been prepared to provide information on the products and services offered by Manulife Wealth Inc. and Manulife Wealth Insurance Services Inc. (“Manulife Wealth”). By accessing the Site, you are agreeing with the terms and conditions set out below. If you do not agree with the terms, please do not access this Site.

Information on the Site will be subject to change without notice. Manulife Wealth will endeavor to ensure information is accurate and updated, but will not be held liable for inaccuracies in the information presented. Investors are responsible to ensure that they get appropriate advice and information about any securities, insurance, taxation or other legislation that could affect them personally.

Manulife Wealth (including affiliated companies, and its agents, suppliers and their respective directors, officers and employees, or any other person associated with the creation of the Site and its contents) is not liable or responsible to any person for any harm, loss, damage, proceedings, costs, claims, liabilities, damages and expenses in connection with your use of the Site.

No Advice

The content of the Site is for informational purposes only and is not intended to provide financial, insurance, legal, accounting or tax advice, and shall not be relied upon by you in that regard.

No Solicitation

Nothing on the Site constitutes a solicitation or offer by Manulife Wealth to buy or sell any security or any investment, banking, mortgage, insurance product or any other financial instrument of any issuer.


The information on the Site is for Canadian residents only and does not constitute an offer to sell or a solicitation in any jurisdiction in which Manulife Wealth or its advisors are not appropriately licensed or registered or where any product or service is not eligible for sale. Details are available on request.

US Residents

The information on the Site is not intended to be construed as an offer to sell or a solicitation to buy or sell any products or services of any kind, including securities or any other financial instrument in the United States of America or any of its territories or possessions.

Third Party Content and Third Party Links

Manulife Wealth does not make any representation that the information in any linked site is accurate and will not accept any responsibility or liability for any inaccuracies in the information or content of any linked site. Any opinion or advice expressed in a linked site, including the opinion of a Manulife Wealth advisor, should not be construed as, and may not reflect, the opinion or advice of Manulife Wealth.

Intellectual Property

Manulife, Manulife & Stylized M Design, Stylized M Design and Manulife Wealth are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.

Disclaimer of Warranty

The Site is provided on an “as is” and “as available” basis.  To the maximum extent permitted by law, Manulife Wealth hereby disclaims any and all representations, warranties or conditions of any kind, whether expressed or implied, with respect to the Site and information, products, content and other materials contained herein, including without limitation implied representations, warranties or conditions of title, non-infringement, merchantability, fitness for a particular purpose, performance, durability, availability, timeliness, accuracy, or completeness.


You acknowledge and confirm that the Internet is not a secure medium where privacy can be ensured and complete security and confidentiality over the Internet is not always possible.  Your confidential use of the Site cannot be guaranteed, and you acknowledge that your use of the Site (including personal information transmitted or uploaded to the Site) may be accessible to third parties. Manulife Wealth is not responsible or liable for any harm that you may suffer in connection with a breach of confidentiality or security.


Manulife Wealth uses personal information provided on the Site for business purposes only.  Refer to our Privacy Policy  for more information on our personal information practices.

Manulife Wealth may use "cookies" or related technology to track your usage of the Site to help improve our service and your experience.

Anti Money Laundering/Anti-Terrorist Financing

Manulife Wealth takes Anti Money Laundering very seriously and has robust policies and procedures to ensure full compliance with all requirements. The Global AML/ATF Program is routinely reviewed, evaluated and updated to effectively manage risks as our business and regulatory requirements evolve. Manulife counterparties are encouraged to rely on our Manulife Corporate website (Legal | Manulife) posted statement in completing their due diligence requirements on Manulife as opposed to requesting individual certifications and questionnaires.

Governing Laws

The laws of the Province of Ontario and the federal laws of Canada govern the interpretation, validity and effect of these terms 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 these terms and your use of this Site.

Manulife Wealth Inc.

Manulife Wealth Inc. is dually registered as both an investment dealer and a mutual fund dealer with the Canadian Investment Regulatory Organization (CIRO) and is a member of the Canadian Investor Protection Fund (CIPF). To learn more about CIPF, please contact your advisor or visit CIPF’s website at

Manulife Wealth Insurance Services Inc.

Manulife Wealth Insurance Services Inc. is an insurance distribution organization, operating as a national account agency, authorized to do business across Canada.


Manulife refers to Manulife Financial Corporation (MFC), a publicly traded company and the ultimate parent company of the Manulife Wealth related companies.