Legal Disclaimers

About Manulife Investments mutual funds

This website has been prepared to provide information on the products and services offered under the business name of Manulife Investments. Manulife Investments is a division of Manulife Asset Management Limited.

Manulife, Manulife Investments, Manulife Leaders Portfolios, the Block Design, the Four Cube Design, and Strong Reliable Trustworthy Forward-thinking are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.

Manulife Funds, Manulife Corporate Classes, Manulife Simplicity Portfolios and Manulife Leaders Portfolios are managed by Manulife Investments, a Division of Manulife Asset Management Limited. Simplicity is a registered trademark of The Manufacturers Life Insurance Company, used by Manulife Asset Management under license to identify the Manulife Simplicity Portfolios offered by Manulife Investments.

All Manulife Simplicity Portfolios are designed to target a specific risk/return profile for each of the risk tolerance categories. However, the performance of the mutual fund portfolios is not guaranteed and may vary. The performance of the funds fluctuates according to market conditions. The targeted risk/return profile may be accomplished using different underlying funds.

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 fund facts as well as the prospectus of the mutual funds in which investment may be made under the asset allocation service before investing. The indicated rates of return are based on the historical annual compounded total returns assuming the investment strategy recommended by the asset allocation service is used and after deduction of the fees and charges in respect of the service. The indicated rates of return are the historical annual compounded total returns of the participating funds including changes in share or unit value and reinvestment of all dividends or distributions and does not take into account sales, redemption, distribution or optional charges or income taxes payable by any securityholder that would have reduced returns. 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. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Distributions are not guaranteed and may fluctuate and should not be confused with a fund’s performance, rate of return, or yield. Distributions paid as a result of capital gains realized by a fund and income and dividends earned by a fund are taxable in the year they are paid.

Information contained in this web site is subject to change without notice. Manulife Asset Management Limited and Manulife 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 appropriately informed about any securities, insurance, taxation or other legislation that could affect them personally.

Manulife Investments is the brand name describing certain Canadian subsidiaries and operating divisions of Manulife Financial Corporation that offers personal wealth management products and services in Canada. Manulife Financial Corporation is a leading international financial services group providing forward-thinking solutions to help people with their big financial decisions.  It operates as John Hancock in the United States, and Manulife elsewhere.

Calculator

The Calculators found on this Site are provided for general illustrative purposes only. All examples are hypothetical. The Calculators are provided only as educational tools and do not constitute investment advice. To take into account your specific circumstances, you should obtain professional investment, legal and/or tax advice, as appropriate.

Canadian Investor Use

This website/communication is intended for Canadian residents only, and does not constitute an offer or solicitation by anyone in any jurisdiction in which such an offer or solicitation is not allowed. Important information about any mutual fund is contained in its Simplified Prospectus. All investors should read the fund facts as well as the prospectus before investing.

Selling Restrictions Outside Canada

The distribution of a prospectus qualifying for sale in Canada funds managed by Manulife Investments (the “Manulife Fund(s)”) and the offering or purchase of the units/shares may be restricted in certain jurisdictions outside of Canada. No persons receiving a copy of a Manulife Funds’ prospectus and/or fund facts in any such jurisdiction may treat the prospectus and/or fund facts as an invitation to purchase units/shares unless such an invitation could be lawfully made to them without compliance with any registration or other legal requirements. A Manulife Funds’ prospectus and/or fund facts is not an offer or solicitation by anyone in any jurisdiction where such offer or solicitation is unlawful or in which the person making such offer or solicitation is not qualified to do so or anyone to whom it is unlawful to make such an offer or solicitation.

It is the responsibility of any person in the possession of a Manulife Funds’ prospectus and/or fund facts and any persons wishing to apply for units/shares pursuant to a Manulife Funds’ prospectus and/or fund facts to inform themselves of, and to observe, all applicable laws and regulations of any relevant jurisdiction. Prospective purchasers of units/shares should inform themselves as to the legal requirements of such purchases and any applicable exchange control regulations and taxes in the countries of their respective citizenship, residence, incorporation or domicile.

Neither the Manulife Funds nor the manager shall have any obligation to make any filings or do any acts in order to permit such offerings in any jurisdiction and shall be entitled to require evidence that an offering to the investor in such jurisdiction is in compliance with the local laws.

The units/shares of Manulife Funds have not been and will not be registered for sale under U.S. securities laws and may not be offered or sold directly or indirectly in the United States or to any U.S. person (including any citizen or resident of the United States, any partner or corporation organized or incorporated under the laws of the United States and certain estates and trusts organized under U.S. laws) unless pursuant to an exemption from registration.

It is also recommended that every visitor to the Manulife Investments’ mutual fund site read the disclaimer about the use of the web site:

Legal

Please carefully read this notice before you use this web site. If you do not agree with the following conditions, please exit the site.

Site Content

The information contained on the pages of this web 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, Manulife cannot guarantee the accuracy, timeliness, completeness or authenticity of any site content, site functionality, or the transmission of any site content from the site to you.

Certain aspects of the site have been prepared outside of Manulife. Other worldwide web sites for which connections may be provided, or which provide connections to this site, are completely independent of this site. Manulife 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 Manulife.

Use of this Site

Access to this site is subject to Manulife’s rules and procedures, as developed from time to time. Although Manulife will make its best efforts to keep this site operational, Manulife cannot guarantee that the site will always be accessible. Manulife may, in its sole discretion, modify, suspend or terminate the services provided to you through this site without notice.

Security

By using this web site, 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 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, Manulife 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

Manulife may use "cookies" or related technology to track usage of the site and in order to improve our service to you.

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.

Agreement with Manulife

By use of this site, you are agreeing that Manulife, its affiliated companies, and any directors, officers, employees or shareholders of Manulife or its affiliates or affiliated companies, shall not be liable for any damages including direct, incidental, ordinary, punitive, exemplary, indirect, special, consequential or any other damages arising out of or related to the use of this site.

You agree that any and all information and/or content on this site remains the sole and exclusive property of Manulife and is considered to be confidential information. You acknowledge and agree that you do not and will not acquire any proprietary interest in any material found on this site. You agree that you will not use this site, or any portion thereof, in any manner that may infringe any proprietary or intellectual proprietary interests that Manulife or any third party may have in it.

Customer Satisfaction and Complaint Resolution

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