You are now going to a website that is not controlled by Manulife Asset Management. We are providing links to this website only as a convenience and the inclusion of links to the linked site does not imply any endorsement, approval, investigation, verification or monitoring by us of any content or information contained within or accessible from the linked site. Manulife Asset Management does not control the accuracy, completeness, timeliness or appropriateness of the content or information on the linked site. If you choose to visit the linked site you will be subject to its terms of use and privacy policies, over which Manulife Asset Management has no control. In no event will Manulife Asset Management be responsible for any information or content within the linked site or your use of the linked site. By continuing to the linked site you agree to the foregoing. 

You are now entering the Manulife Asset Management global website. The information in this global website is intended for information purposes only and does not constitute an offer or solicitation to buy any investment product/service or to provide any investment advice or service in any jurisdiction. The global website is not intended to target any specific investor type from any specific jurisdiction and as a result the products and/or services mentioned on the global website may not be suitable or even authorized for sale in your jurisdiction for investment. You are therefore advised to seek independent financial and legal advice as to whether such products and/or services are suitable and appropriate for you in your jurisdiction to invest in. Please contact us if you would like further information or information on products and/or services available in regions not listed. 

This website is operated by Manulife Asset Management, the global asset management arm of Manulife Financial. Manulife Asset Management entities provide comprehensive asset management solutions for institutional investors and investment funds in key markets around the world. This investment expertise extends across a broad range of asset classes including equity, fixed income and alternative investments such as real estate, timber, farmland, as well as asset allocation strategies.

Country-specific sections of this website are operated by the Manulife Asset Management entity identified in those sections. Country-specific sections may only be used as directed/permitted in those sections. It is your responsibility to be aware of and to observe all applicable laws and regulations of any relevant jurisdiction.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Asset Management website, including the country-specific sections operated by a local Manulife Asset Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms, and has the same force and effect as a signed agreement. You confirm having read, understood and accepted these Global Terms.  

Introduction

A brief introduction about this website 

The following information is important and is for your protection. This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security that may be referenced on or through this website. Nor does this website constitute an offering or recommendation by Manulife or any of its affiliates described herein of any security, investment management service, or advisory service. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that your use of this website and requests for information are unsolicited, and the provision of any information through this website shall not constitute or be considered investment advice.

This website should not be considered as communicating any invitation or inducement to engage in investment activity.

Who is the operator of this website?

The website’s home page and its contents are operated by Manulife Asset Management. Country-specific sections of this website are operated by the Manulife Asset Management entity identified in that section.

General terms and conditions of using this website

Manulife Asset Management does not claim that any funds or strategies described herein or any products or services referenced on this website may be offered in any particular jurisdiction. No security or other product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities laws or other laws of such jurisdiction. No such security, insurance or other product or service is offered or will be sold in any jurisdiction in which registration, licensing, qualification, filing or notification would be required unless such registration, license, qualification, filing or notification has been effected. All Manulife Asset Management products and services shall be subject to the terms and conditions of any applicable agreements, including Manulife Asset Management approval.

This website, including the country-specific sections, is not directed at children, is not intended to market any product or service to children, and does not seek to solicit or obtain personal information from children.

Does this website describe Manulife Asset Management’s asset management capabilities?

Yes. This website may also cover information on certain asset managers that are part of Manulife Asset Management. The products and services referred to on this website may be offered by one or more of the following firms that are affiliated with Manulife Asset Management as described below (listed by country in alphabetical order):

Canada: Manulife Asset Management Limited and Manulife Asset Management (North America) Limited ¹
China: Manulife TEDA Fund Management Company Ltd.
Hong Kong: Manulife Asset Management (Hong Kong) Limited
Indonesia: Pt Manulife Asset Manajmen Indonesia
Japan: Manulife Asset Management (Japan) Limited
Malaysia: Manulife Asset Management (Malaysia) Sdn Bhd
Philippines: The Manufacturers Life Insurance Co. (Phils.), Inc and Manulife Asset Management and Trust Corporation
United Kingdom: Manulife Asset Management (Europe) Limited
United States: Manulife Asset Management (US) LLC ² and Hancock Natural Resource Group, Inc. ³
Taiwan: Manulife Asset Management (Taiwan) Co., Ltd.
Thailand: Manulife Asset Management (Thailand) Company Limited
Singapore: Manulife Asset Management (Singapore) Pte. Ltd.
Vietnam: Manulife Vietnam Fund Management Company Ltd. 

Each of the asset management companies described in this website is affiliated with one another through common control and ownership by Manulife Financial. While some of the affiliates are authorized or licensed to conduct business in one or more jurisdictions, they are not authorized to offer their investment advisory services in all jurisdictions. Thus, an investor's access to such affiliates may be limited to certain products and/or services.

What do I need to know about the accuracy of information contained within this website?

No warranty is made in respect to the information contained in this website. Manulife Asset Management believes that the information contained and opinions expressed in this site are accurate at the date of publication, but does not guarantee the accuracy, completeness, currency or authenticity of any site content.

Does this website offer advice?

No. Nothing contained within this website should be construed as investment, insurance, securities, tax or legal advice, and you agree that this website will not be used by you for these purposes. The website does not contain any advice as to the value of securities or as to the advisability of investing in, purchasing, or selling securities or insurance products. Decisions based on information contained in this website are the sole responsibility of the user. The information contained in this website is not an offer to sell or a solicitation of an offer to buy any security or any investment or insurance product or service.

An investment in any fund or strategy described herein may not be suitable for all investors. Investment in any funds or strategies described in this website should only be made on the basis of the relevant offering documents and/or investment policy statements and applicable terms and conditions.

What are the general risk factors I should be aware of before accessing information on this website?

• Past performance is no guide to future returns. Please note that the price of any units or shares of any fund described herein and the income from them can fall as well as rise and you may not get back the amount originally invested. Income receivable may vary from the amount of income projected at the time of making the investment.

• Exchange rate fluctuations may affect the value of an investment and any income derived from it.

• If you exercise any right to cancel, you may not get back the amount initially invested if the unit or share price has fallen since you invested.

• Deductions for charges and expenses, particularly the initial charge, are not made uniformly throughout the life of the investment, so if you redeem out of the investment during the early years, you may not get back the amount invested.

• There can be no guarantee that the tax position or proposed tax position prevailing at the time of an investment will not change.

• Dividends and capital gains on securities issued in a fund may be subject to withholding taxes imposed by the countries in which a fund invests. 

You must read any relevant offering document(s) and/or investment policy statement for any fund or strategy for all the relevant risk factors pertaining to your investment. You are responsible for ensuring that you are appropriately informed about any securities, taxation or other legislation or law that could affect your decision to invest in any fund or strategy described herein. 

Does this website include content from third-party providers other than Manulife and its affiliated companies?

Yes. Through this website, you may have access to market data such as news reports, third-party analyst reports, research, last sale transaction data, securities price quotations, and other information relating to securities and the securities markets ("Market Data"). Manulife Asset Management may obtain this Market Data from third parties who are independent of Manulife Asset Management. Even though the sources of the Market Data provided on this website are believed to be reliable Manulife Asset Management is not responsible for, and makes no warranty with respect to the contents, accuracy, completeness, timeliness, suitability, or reliability of the Market Data.

The Market Data is provided "as is" and on an "as available" basis. Manulife Asset Management will not be responsible for lost profits, trading losses, or any other damages resulting from inaccurate, defective, or unavailable Market Data or other information. Manulife Asset Management is not obligated to update or to continue to offer Market Data or other information accessible through this website. 

Important information about liability

You agree that your use of the website shall be on an "as is" basis entirely at your own risk.

Limitations of liability - Manulife Asset Management makes no warranty or representation that the website, including the country-specific sections, can be accessed at all times. The website, or portions of the website, may, without notice, be temporarily unavailable or restricted for administrative or other reasons.

You will indemnify all Manulife Asset Management entities (including their parent companies, and affiliated or associated companies) and their officers, directors, employees and agents in respect of any third-party claim, including reasonable attorneys’ fees, for any injury, loss, damage or expense occasioned by or arising directly or indirectly from the operation, use or supply of information to a third party provided in breach of any of your obligations under these Global Terms.

If you transmit any communication through this website to Manulife Asset Management directly or through any third-party internet or other service provider, you shall be responsible and liable for any omissions or failures that may be made while transmitting or receiving communications using this website. This website is not designed for the transmission of time sensitive instructions - this means that if you use this website to transmit time sensitive instructions, you will be responsible and liable for any loss that may arise, and you transmit such time sensitive information at your own risk.

You agree that neither Manulife Asset Management, nor any officer, affiliate, manager, member, director, agent or employee of Manulife Asset Management, or any Manulife Asset Management affiliate, will be liable to you or any third party for any direct, indirect, incidental, special, punitive, or consequential damages, loss of profits, loss of earnings, loss of business opportunities, damages, expense, or costs resulting directly or indirectly from, or otherwise arising in connection with, the use or inability to use the website by you or any third party, including without limitation any of the following: 

A. Reliance. Damages resulting from or arising from any reliance on the website or any content on the website, or the mistakes, omissions, interruptions, errors, defects, delays in operation, non-deliveries, mis-deliveries, transmissions, eavesdropping by third parties, or any failure of performance of the website or any content.

B. Infringement, Etc. Any allegation, claim, suit, or other proceeding based upon a contention that the use of the website by any user or a third party infringes the copyright, patent, trademark, trade secret, confidentiality, privacy, or other intellectual property rights or contractual rights of any third party.

C. Force Majeure. Any delay or failure of Manulife Asset Management to perform due to government restriction, strikes, war, any natural disaster or any other condition beyond Manulife Asset Management's control.

Intellectual property; hyperlinks 

Unless otherwise indicated, Manulife Asset Management or its affiliates owns the copyright and any other intellectual property rights subsisting anywhere in the world to the information on this website. You may not copy, reproduce, duplicate, modify, adopt or lend, sell, disseminate or otherwise transfer, in whole or in part, any of the information, contained in this website, except for the purpose of accessing the website and producing print-outs for your own personal use, or making a reasonable number of copies of such pages for internal use within your organization in accordance with these Global Terms. Users shall not remove, alter, or obscure any copyright, trademark, trade secret or other proprietary rights notices appearing in or on the website, and shall reproduce all such notices on any copies of content made by or on behalf of users.

We do not recommend or endorse and accept no responsibility for the content of any website not operated by Manulife Asset Management which you may visit by following a link from this website. You acknowledge and agree that Manulife Asset Management is not responsible for the availability of such third-party sites or resources, and do not endorse, approve, investigate or verify, and are not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. You further agree that Manulife Asset Management shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, products or services available on such external sites or resources. These links are provided as a convenience and solely for informational purposes. Manulife Asset Management is not making any recommendation to invest in, purchase, or sell any securities or other products or services issued by the companies with the linked sites, nor has Manulife Asset Management sought to verify or confirm the information contained in the linked sites. Accordingly, Manulife Asset Management disclaims any responsibility for the linked sites.

No other website, without the prior written permission of Manulife Asset Management, is authorized to link to any part of this website.

Names, phrases, logos, icons, graphics, images or designs, including the design marks above, used throughout the website may be trade names, registered or unregistered trademarks or services marks ("Trademarks") of The Manufacturers Life Insurance Company, its subsidiaries or affiliates. The display of Trademarks on this website 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 and such users may be subject to legal action.

Other information

Changes to content within the website

We reserve the right, in our sole discretion, to change, modify, add or remove portions of these Global Terms at any time without notice to website users. Similarly, we reserve the right, in our sole discretion, to change, modify, add or remove the content of this website, including the country-specific sections, or to terminate the website in whole or in part. You must check these Global Terms periodically for changes. Any changes, modifications, or additions to, or deletions from these Global Terms shall be effective upon posting on this website. If you access this website, including the country-specific sections, after we post changes to the Global Terms, you further acknowledge the Global Terms as changed and agree to be bound by them.

Privacy policy and data protection

You consent to the processing by Manulife Asset Management of the personal data submitted by you through the website and/or created in the course of the business relationship with Manulife Asset Management, and to the transmission of such personal data to other companies within the Manulife Asset Management and/or Manulife Financial corporate umbrella (by the internet or otherwise) for purposes connected with marketing and customer administration.

Some of our business areas may offer or promote their other financial products and services, or those of our affiliates and select third parties, that we believe may be of interest to you. We will share personal information with our affiliates for these purposes, only if the law permits it. Please note that we do NOT give your personal information, without your consent, to any organization outside of our member companies, for the purpose of that organization marketing their own products or services directly to you.

If you do not wish your information to be used in this way, you should advise Manulife Asset Management in writing.

For further reference on Manulife Financial’s policy, please read the “Statement of Corporate Privacy Principles”.

Please note that if you telephone Manulife Asset Management, calls may be monitored or recorded to maintain and improve services. 

Cookies

Manulife Asset Management's websites use “cookies” for collecting user information from certain pages of the websites, and in order to improve our service to you. A cookie is a file that is stored on the hard disk of a computer by the web browser on a computer. It contains information sent by the website that a user has visited. Manulife uses cookies in two ways. Firstly it does so to direct users to the correct portion of the website, i.e., to the area most appropriate for their user needs, and/or to the correct language version of their site in the case of sites with multiple languages. Secondly, cookies are used to gain basic information on users such as whether they are unique or regular users. The former type of cookie will expire after the end of the user’s session whereas the latter will remain unless they are deleted by the user. Users may choose to refuse cookies or turn them off through their web browser settings, however, this may prevent access to parts of the website.

Security

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 website cannot be guaranteed and you acknowledge that your use of the website (including information you transmit to the website) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimer herein, Manulife Asset Management 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.

User content

You agree that you are solely responsible for your actions, and the content of its transmissions through or posting on the website and that such actions will abide by all applicable local, state, national and international laws and regulations in use of the website. You also agree not to (i) upload or distribute in any way files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer; (ii) interfere or disrupt networks connected to the website; (iii) use any device, software or routine in an attempt to interfere with the proper functioning of the website or any transactions being offered at the website; and (iv) take any action that imposes an unreasonable or disproportionately large load on the website's infrastructure.

General

In the event that any provision of these Global Terms shall, in whole or in part, be determined to be invalid, unenforceable or void for any reason, such determination shall affect only the portion of such provision determined to be invalid, unenforceable or void, and shall not affect in any way the remainder of such provision or any other provision of these Global Terms. Manulife Asset Management and user authorize a court or arbitrator to replace such an invalid, unenforceable or void provision with a valid provision which is as similar as possible in substance to the invalid, unenforceable or void provision. Manulife Asset Management's failure to act with respect to a breach by user or others does not waive their right to act with respect to subsequent or similar breaches.

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 website, other than the country-specific portions of the website, which shall be governed as indicated therein. 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 website. In the event of any conflict between foreign laws, rules and regulations and those of Canada, the laws, rules and regulations of Canada shall govern.

These Global Terms and any modifications hereto constitute the entire agreement between the parties with regard to the subject matter hereof and supersede all prior understandings and agreements, whether written or oral, as to such subject matter. Nothing contained in these Global Terms shall be deemed to constitute either party as the agent or representative of the other party, or both parties as joint ventures or partners for any purpose.

¹ Manulife Asset Management (North America) Limited also operates in the United States under the names “John Hancock Asset Management” and “John Hancock Asset Management a division of “Manulife Asset Management (North America) Limited”
² Manulife Asset Management (US) LLC also operates in the United States under the names “John Hancock Asset Management” and “John Hancock Asset Management a division of “Manulife Asset Management (US) LLC”. Sovereign Asset Management, is a division of Manulife Asset Management (US) LLC.
³ Hancock Timber Resource Group, Hancock Agricultural Investment Group and Hancock Renewable Energy Group are each division of Hancock Natural Resource Group, Inc.  

You are being directed to another website operated by one of our Manulife or John Hancock partners.