Privacy Policy

Our Global Privacy Policy

Manulife is committed to protecting the privacy of all personal information in our care. As an international provider of financial products and services operating in many countries around the globe, this policy applies to all our operations world-wide.

We may update this Policy from time to time, but the most current version is always posted here on our website.  

Manulife complies with applicable data protection legislation and regulations in jurisdictions where we do business.

How we collect Personal Information

• We collect personal information directly from you and from other sources in compliance with applicable laws and as further detailed in our privacy policies.
• We are committed to only collecting personal information that is required for specific purposes  such as, or related to, providing products and services, conducting business, and better understanding your needs, or  where it is required or allowed by law.
• The personal information we collect is limited to what is reasonably required to fulfil the purposes for which it was collected and may include your name, contact information, information about how you use our products and services, and information about your preferences, demographics, and interests.
• We may also collect information when you visit our websites or use our mobile applications such as your IP address,  information about your operating system, the time and duration of your visit to our sites, Internet locations you came from, and the web pages you visit within our sites in order to track usage and improve our websites and improve your experience.  For more information, review our Online Privacy Statement.

How we use and retain Personal Information

• We only use and retain your personal information for the purposes for which it’s collected, for other purposes you consent to, or when it is required or allowed by law.
• Depending on your relationship with us, we may use your personal information for purposes such as:

o   Delivering our products and services

o   Providing customer service and responding to inquiries or requests

o   Improving our services and your interactions with us

o   Fulfilling our legal, regulatory and security obligations

o   Managing our business

• We may analyze your information to better understand your needs and what products, services, and promotions may be of interest to you.
• We will keep your personal information only as long as is reasonably necessary to satisfy the purposes for which it was collected or as required or allowed by law.
• Once no longer required, your personal information will be securely destroyed or anonymized, in compliance with applicable laws. 
• We aim to keep our records of your personal information as accurate and up to date as is necessary to fulfill the purposes for which it is collected, used, and retained.

How we share Personal Information

• We only share your personal information for the purposes for which it’s collected, for other purposes you consent to, or when it is required or allowed by law. This may include sharing personal information with reinsurers, with our agents or representatives, or with our service providers.
• In some cases, and where allowed by law, your personal information may be transferred, stored, accessed, or used in jurisdictions  outside where it was collected. It would therefore be subject to the laws of those jurisdictions.
• We are responsible for personal information in our possession, including information transferred to service providers who perform duties on our behalf. When we share personal information with our service providers, they must protect it and handle it in ways that are consistent with our privacy policies, our practices, and applicable laws.
• In some cases, where allowed by law or with your consent, we may share your information within the Manulife group of companies in order to provide you with offers for other products or services.  You may opt out of receiving those offers.
• We do not share your personal information without your consent with any organization outside our group of companies for the purpose of that organization marketing its products or services to you.

How we safeguard Personal Information

• We will protect personal information with security safeguards that are appropriate to the sensitivity of the information, in order to protect it from unauthorized access, release, modification or use.
• All our employees are required to complete annual privacy and security training.
• We are committed to handling the personal information under our control with care. We have implemented physical, organizational, contractual and technological security measures to protect your personal information and designated individuals who are responsible for monitoring our ongoing compliance with this Policy.

Your Personal Information choices and rights

• We will make information about our privacy policies and practices available to you.
• Upon your written request, we will provide you with reasonable access to your personal information and a description of its use or disclosure, as required or permitted by law. You may also verify the accuracy and completeness of your information, and request that it be amended or deleted, if appropriate or permitted by law.
• You may have additional privacy choices and rights depending on your products or location.
• If you would like more information about any additional privacy choices and rights you may have, or if you have questions, requests, concerns, or a complaint about your privacy please follow the instructions provided in the privacy policy applicable to your specific location and /or product(s). 

Online Privacy Statement

Manulife is committed to providing our customers with strong, reliable, trustworthy and forward-thinking solutions. This includes protecting the privacy of all personal information in our care. When handling personal information, we abide by the following Corporate Privacy Principles:

We respect your privacy

In accordance with our Corporate Privacy Principles, we are committed to providing the highest quality financial products and services in a manner that fosters trust and confidence among our customers, employees and representatives. That commitment includes protecting the privacy of all the personal information in our care.

The information we collect

Most websites you visit use cookies to improve your user experience by enabling that website to ‘remember’ you, either for the duration of your visit (a ‘session cookie’) or for repeat visits (a ‘persistent cookie’).

When you visit our websites, we may collect information from you in order to gauge usage and to improve your experience on our sites. In order to do this, we may collect information such as your IP address, the type of operating system you use, the time and duration of your visit to our sites, your geographical location and the web pages you visit within our sites. We may collect information about the number of times you visit our site and whether you are a new or repeat visitor. We may track where on our website you explore, how long you stay on a site and at what point you exit from our website.

We will only collect information that is pertinent and consistent with the purposes of the collection.

Use of Cookies and Web Beacons

Some of the information we collect will be gathered, by us or by agents on our behalf, through the use of “cookies” and “web beacons”.

Cookies are small text files that are automatically placed on your web browser in your computer by a web server. Cookies contain information that can be retrieved by a web server in the domain that issued the cookie to you. Cookies can make a website more useful by storing information about your preferences on our websites, which allows us to provide more useful features for you.

We may use cookies to:

• Allow our web server to determine whether the cookies setting on your web browser has been enabled or disabled so that we will know whether data can be collected from your web browser;
• Track your visits to our websites and recognize your web browser when you are a repeat visitor so that we can gather statistics on the number of new and repeat visitors and evaluate our website effectiveness;
• Temporarily store information on your reading preferences and your path between pages on our website to give us insight on ways to further improve our website to provide a more useful, customized and enriching website experience;
• Temporarily identify your web browser after you have logged in on a secured page on our website so that our web browser can maintain a dialogue with your web browser in order for you to carry out certain activities;
• Deliver targeted advertising with relevant messages that are more informative to you as an online consumer.

Our web pages may also contain electronic images known as web beacons. Web beacons are also sometimes referred to as “clear GIF images”, “pixel tags” or “single-pixel GIFs”. Web beacons are usually invisible to a user and are used for many of the same purposes as cookies.

We may include web beacons on our sites to:

• Determine if messages are opened and acted upon;
• Gather statistical information about our website usage patterns;
• Deliver information to you about our products and services.

The data collected by cookies and web beacons generally does not contain information that will identify one particular individual.

Links to other websites

Some of our websites may contain links to other websites that are not affiliated with us. We do not monitor nor maintain the privacy practices of these websites, and do not have authority over them. We do not assume any responsibility for their privacy policies and procedures.

It’s your choice

Most browsers are initially set to accept cookies. If you would prefer, you can set your browser to disable cookies or to inform you when they are set. You also have the ability to delete cookies that you have accepted. If you delete or disable cookies, you may not be able to take full advantage of our websites.