Important Notices

This website, which is operated by Manulife Asset Management, contains materials pertaining to the Philippines and includes information and resources provided by the Investments Department of The Manufacturers Life Insurance Co. (Phils.), Inc., a life insurance company duly incorporated under the laws of the Philippines and regulated by the Insurance Commission of the Philippines.  

It is your responsibility to be aware of and to observe all applicable laws and regulations of any relevant jurisdiction. 

Please read the following 'important information' and confirm that you agree to the terms and conditions of this website ("Terms").  You are also directed to read the Global Legal terms and conditions of use of this website ("Global Terms"), which are located in the "Global Legal" link at the bottom of each page of the website.  By accessing this website, you additionally agree to be bound by the Global Terms. 

General terms and conditions of using this website

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. 

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

  • Investment involves risks.
  • Past performance is no guide to future returns.  
  • The value of your investment and any income from it can fall as well as rise and you may not get back the amount you have invested.  
  • Exchange rate fluctuations may affect the value of an investment and any income derived from it.  
  • There can be no guarantee that the tax position or proposed tax position prevailing at the time of an investment will not change.  

You must read the relevant offering document(s) and/or investment policy statement for any security, 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 security, fund or strategy. 

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 (and its affiliates) makes no warranty or representation that the website can be accessed at all times. The website may, without notice, be temporarily unavailable or restricted for administrative or other reasons. 

You will indemnify Manulife Asset Management (including its 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 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 neitherManulife 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 ofManulife Asset Management to perform due to government restriction, strikes, war, any natural disaster or any other condition beyond Manulife Asset Management's control. 

Other information


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 ofManulife Asset Management, is authorized to link to any part of this website. 

Changes to content within the website

We reserve the right, in our sole discretion, to change, modify, add or remove portions of these Terms and/or the 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 Terms and Global Terms periodically for changes. Any changes, modifications, or additions to, or deletions from these Terms or 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 Terms or Global Terms, you further acknowledge the Terms or Global Terms as changed and agree to be bound by them. 


Manulife Asset Management uses cookies for collecting user information from certain pages of this website. 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. A cookie identifies users and can store information about them and their use of a site. Manulife Asset Management uses cookies to keep track of user activity and allows Manulife Asset Management to identify which areas of the website are more interesting to the users so that improvements can be made to this website. 

Manulife Asset Management expressly reserves the right to monitor any use of this website.