Legal and Disclaimers

Site Content

This website has been prepared to provide information on the products and services offered by Manulife Securities Incorporated, Manulife Securities Investment Services Inc. and Manulife Securities Insurance Inc. (“Manulife Securities”). By accessing this 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 website.

Information on this website will be subject to change without notice. Manulife Securities 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 are appropriate information about any securities, insurance, taxation or other legislation that could affect them personally.

Manulife Securities (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 connection with you use of this website.

No Advice

The content of this website 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 this website constitutes a solicitation or offer by Manulife Securities to buy or sell any security or any investment, banking, mortgage, insurance product or any other financial instrument of any issuer. 

Jurisdiction

The information on this website is for Canadian residents only and does not constitute an offer to sell or a solicitation in any jurisdiction in which Manulife Securities 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 this website 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 Securities 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 Securities Advisor, should not be construed as, and may not reflect, the opinion or advice of Manulife Securities.

Intellectual Property

Manulife, Manulife & Stylized M Design, Stylized M Design and Manulife Securities 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 Securities hereby disclaims any and all representations, warranties or conditions of any kind, whether expressed or implied, with respect to this website 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.

Security

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 this site cannot be guaranteed, and you acknowledge that your use of the site (including personal information transmitted or uploaded to the website) may be accessible to third parties. Manulife Securities is not responsible or liable for any harm that you may suffer in connection with a breach of confidentiality or security.

Privacy

Manulife Securities uses personal information provided on this site for business purposes only. Refer to our Privacy Policy  for more information on our personal information practices. 

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

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.

Product Disclaimers:

Mutual Funds

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. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. The payment of distributions from an income trust mutual fund should not be confused with a fund's performance, rate of return, or yield. If distributions paid by the fund are greater than the performance of the fund, then your original investment will shrink. Distributions paid as a result of capital gains realized by a fund and income and dividends earned by a fund are taxable in your hands in the year they are paid. Your adjusted cost base will be reduced by the amount of any returns of capital. If your adjusted cost base goes below zero, then you will have to pay capital gains tax on the amount below zero.

The rate of return, mathematical table or illustration shown is used only to illustrate the effects of the compound growth rate and is not intended to reflect future values of the mutual fund or asset allocation service, or returns on an investment in the mutual fund or from the use of the asset allocation service.

Labour-Sponsored Fund

Labour-sponsored investment funds (LSIFs) are not guaranteed, their value changes frequently and past performance may not be repeated. Availability and amounts of tax credits are subject to certain conditions and limitations and are subject to repayment if shares are not held for eight years.

Segregated Funds

Subject to any applicable death and maturity guarantee, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of the assets in the segregated funds.

Leverage Risk

Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by the loan’s terms remains the same even if the value of the securities purchased declines.

Investments in Limited Partnerships

There are a number of risks associated with an investment. Investors should refer to each Partnership's offering documents for details. Important information about this offering is contained in the prospectus relating to this offering, a copy of which should be obtained from the agents or the offices of designated subagents. You should review the prospectus carefully, and consult your Advisors, including tax Advisors, before making an investment decision. This material does not constitute an offer to sell or a solicitation to buy any security. Such an offer can only be made by prospectus.

Manulife Securities Incorporated

Manulife Securities Incorporated is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (“CIPF”). To learn more about the CIPF, please contact your advisor or visit www.cipf.ca.

Manulife Securities Investment Services Inc.

Manulife Securities Investment Services Inc. is a member of the Mutual Fund Dealers Association of Canada (MFDA) and the Investor Protection Fund (“MFDA IPC”) (excluding Quebec). To learn more about the IPC, please contact your advisor or visit the MFDA’s website at www.mfda.ca.

Manulife Securities Insurance Inc.

Manulife Securities Insurance Inc. is a licensed life insurance agency authorized to do business across Canada and carries on business in British Columbia as Manulife Securities Insurance Agency.

Manulife

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