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Terms of Use

By accessing and using this website, you are accepting and agreeing to be bound by and comply with these Terms. If you do not agree to these Terms, please refrain from accessing or using the Site. The Terms may be changed from time to time, without prior notice. The amended Terms shall automatically become effective immediately after they are posted.

Site content
The information contained on the pages of this Site is subject to modification and update from time to time without notice. We do not guarantee or ensure the accuracy, completeness, currency or authenticity of any Site content or functionality, or transmission of any Site content from the Site to you. Other World Wide Web sites that may be accessed from or provide access to this Site by hypertext links are entirely independent of this Site. The inclusion of any site acknowledgments, identification of any person or entity in the Site, or any hypertext link to or from another site shall not, in any manner, be construed as an endorsement of such person's or entity's World Wide Web site, products, services, or contributions to the Site.

Use of the Site
This Site does not, and it is not intended to, provide any financial, investment, retirement planning, insurance, legal, accounting, or tax advice. The Site should not be used or relied upon by you as a substitute for your independent research or professional advice. Nothing in this Site constitutes an offer to sell or a solicitation of an offer to buy any insurance product or service. All products and services are subject to the terms and conditions of the applicable agreements. Your use of the Site shall be on an "as is" basis entirely at your risk. Neither The Manufacturers Life Insurance Company (Bermuda Branch) (“MLI”) 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.

Intellectual Property
Names, phrases, logos, icons, graphics, images or designs used throughout the Site may be trade names, registered or unregistered trademarks or service marks ("Trademarks") of MLI and/or its affiliates. The display of Trademarks on this Site is not an implied license to any third party for use of the Trademarks. Any retransmission or alteration of Trademarks or other form of unauthorized copying may be a violation of the law. All information on this Site is protected under copyright laws. You many not use any Trademarks in a manner that is likely to injure or damage the image or reputation of MLI’s products or services or those of any of its affiliates or is likely to cause confusion or dilution of a Trademark. Except for certain "fair use" or as otherwise 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 our prior written consent. If you would like further information concerning Site contents or you wish permission to link to, use, reproduce, or republish any Site contents, please click here.

Governing Laws
The use of this Site shall be governed and construed in all respects by the laws of Bermuda. MLI is licensed as a long-term insurer pursuant to section 134 of the Companies Act 1981 and the Insurance Act 1978, respectively. The products and services referred to on this Site are available only in jurisdictions where they may be lawfully offered for sale by MLI, and not all MLI products and services are available in all geographic regions. All rights not expressly granted are reserved.
Manulife Financial (Bermuda Branch)
O’Hara House, 3rd Floor
3 Bermudiana Road, Tower 2(North Tower)
Hamilton, Bermuda HM08

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