Legal

This portion of the website is operated by Manulife Asset Management (Europe) Limited (“Manulife”), which is authorized and regulated by the Financial Conduct Authority (“FCA”). This section of the website is only directed at UK based intermediaries and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. It is your responsibility to be aware of and to observe all applicable laws and regulations of any relevant jurisdiction.

Please read the following information and confirm that you agree to:

If you do not agree with these Terms, please do not use this website. You are also directed to read the Global Legal terms and conditions of use of this website ("Global Terms"), By accessing this website, you additionally agree to be bound by the Global Terms, which are deemed incorporated into these Terms. In the event of a conflict of ambiguity between these Terms and the Global Terms, these Terms shall prevail.

I confirm that I have read and accept these Terms and the Global Terms associated with using this website, and that I am based in the UK and am an institutional investor.

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 investment advice, tax advice, or legal advice is provided through this website, and you agree that this website will not be used by you for these purposes. 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.

Operation of this Website

This website is operated by Manulife Asset Management (Europe) Limited. All of the information on this site is approved for publication by Manulife Asset Management (Europe) Limited, whose registered office is located at 1 London Wall, London EC2Y 5EA and which is registered in England and Wales, Company no. 02831891. Manulife Asset Management (Europe) Ltd is authorised and regulated by the Financial Conduct Authority with FCA registration number 165328.

Use of Cookies

A cookie is a file that is stored on your device by the web browser you use. It contains information sent by our website when you visit. 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 such as identifying your preferences when you return to the website. Manulife uses cookies in two main 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.

We may also use cookies generally for

  • Analytical purposes: Analytical cookies allow us to recognise, measure and track visitors to our website and compile a record of this usage information. This helps us to improve and develop the way our website works, for example, by determining whether site visitors can find information easily, or by identifying the aspects of websites that are of the most interest to them.
  • Usage preferences: Some of the cookies on our website are activated when visitors to our sites make a choice about their usage of the site. Our website then ‘remembers’ the settings preferences of the user concerned. This allows us to tailor aspects of our sites to the individual user.
  • Terms and conditions: We use cookies on our website in order to record when a site visitor has seen a policy, such as this one, or provided consent, such as consent to the terms and conditions on our Website. This helps to improve the user’s experience of the site – for example, it aids in avoiding a situation where a user is asked repeatedly to consent to the same terms. We also track whether a user has seen other similar documents (such as an online survey) before – again, to ensure that a user’s experience of our Website is a smooth one.
  • Advertising: Advertising cookies allow us (or third parties) to monitor the behavior of users of our website. This information is used to ensure that products and services highlighted to those individuals are targeted in a focused and relevant manner which are based on your experience with our website; or to monitor the effectiveness of those digital marketing campaigns. We also monitor whether the adverts displayed on our website are of interest to users and retain this information to ensure that adverts seen by users of our website over a period of time are appropriate.

Please note that third parties such as Google and other services may use cookies. The kind of cookies and the consequent data processing carried out by such third parties are regulated by their privacy policies. Further information can be found in the table below.

Name Host Cookie Purpose
ShareThis.com .manulifeam.com _unam Analytical
DoubleClick .doubleclick.net IDE Advertising
Brightcove .brightcove.com _bc_uuid Analytical
Pardot www2.manulife.com visitor_id165411 Advertising
Pardot pi.pardot.com lpv165411 Advertising
Pardot www2.manulife.com pardot Advertising
Google .manulifeam.com _utma Analytical
Google .manulifeam.com _utmb Analytical
Google .manulifeam.com _utmc Analytical
Google .manulifeam.com _utmt Analytical
Google .manulifeam.com _utmz Analytical

How can you control cookies?

You can modify your browser so that it notifies you when cookies are sent to it or you can refuse cookies altogether. You can also delete cookies that have already been set. However, you should note that restricting or deleting cookies will also restrict your internet experience and use of website facilities.

To restrict web browser cookies on your browser visit the help function or see useful information on www.aboutcookies.org

General terms and conditions of using this website

You will not use the website in any manner which could damage, disable, overburden or impair the website or interfere with any other party’s use and/or enjoyment of the website. You may not attempt to gain unauthorised access to the website or any computer systems and networks connected to the website through hacking, password mining or any other means.

Some of the information and content on this website comes from third-party suppliers believed by Manulife to be reliable. However, the information and content on this website is not guaranteed by these sources, Manulife or any other person or entity and may not be complete. You assume complete responsibility for, and for all risk of loss resulting from, the downloading and/or using of, or referring to or relying on, any information or content on this website.

Limited Jurisdiction

The distribution of information on the website may be restricted by local law or regulation in certain countries. This information is not intended for access or use by, any person or entity in any country other than the UK and persons accessing these pages should inform themselves about and observe any restrictions which apply in the country in which they are located. If you are in any doubt as to whether this website can be lawfully used by you, please do not proceed further.    

Manulife does not claim that any funds described herein or any products or services referenced on this website may be offered in any particular jurisdiction.

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.

No obligation to update

The information and content on this site is not guaranteed by Manulife or any other person or entity and may not be complete, accurate or up to date. While Manulife uses reasonable endeavours to ensure that the information on this site is current, complete and accurate, it gives no guarantees that this is the case. Manulife accepts no responsibility for keeping the information in this site up to date or liability for any failure to do so, or for any inaccuracies in the information on this site.

The contents of this website, including all disclaimers and limitations, are subject to change by Manulife without notification. The information in this website may be updated from time to time and may at times be out of date. Manulife accepts no responsibility for keeping the information in this website up to date or liability for any failure to do so.

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 price of units or shares and the income from them can fall as well as rise.
  • Exchange rate fluctuations may affect the value of an investment and any income derived from it.
  • Deductions for charges and expenses, particularly the initial charge, are not made uniformly throughout the life of an investment.
  • 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 the relevant funds may be subject to withholding taxes imposed by the countries in which each particular fund invests.

You must read the relevant offering document(s) and/or investment policy statement for any fund and strategy for all the relevant risk factors. You are responsible for ensuring that you are appropriately informed about any securities, taxation or other legislation or law.

Important information about liability 

You agree that your use of the website shall be on an “as is” basis, without any representations or warranties of any kind, either express or implied, and is entirely at your own risk.

Manulife makes no representations, warranties or undertakings that this site, or the server that makes it available, will be free from defects, including, but not limited to viruses or other harmful elements. Manulife expressly excludes liability for any infection by computer virus, tampering, unauthorised access, intervention, alteration or use, fraud, theft, technical failure, error, omission, interruption, deletion, defect, delay, or any event or occurrence beyond the control of Manulife, which corrupts or affects the administration, security, fairness and integrity or proper conduct of any aspect of this site.

Limitations of liability — Manulife (and its affiliates) make no warranty or representation that the website can be accessed at all times. To the greatest extent permitted by applicable law, Manulife (and its affiliates) exclude any warranty, express or implied, statutory or otherwise, as to the quality, accuracy, timeliness, completeness, merchantability or fitness for a particular purpose of any aspect of or information on or accessible via this site. The website may, without notice, be temporarily unavailable or restricted for administrative or other reasons.

You will indemnify Manulife Asset Management (Europe) Limited (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.

While Manulife has taken all reasonable security precautions, the nature of communication by the internet and other electronic means is such that Manulife cannot guarantee the privacy or confidentiality of any information relating to you passing by such methods. If you transmit any communication through this website to Manulife 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.

You agree that neither Manulife, nor any officer, affiliate, manager, member, director, agent or employee of Manulife, or any Manulife 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 to perform due to government restriction, strikes, war, any natural disaster or any other condition beyond Manulife’s control.

Hyperlinks

Manulife does not recommend or endorse and accept no responsibility for the content of any website not operated by Manulife which you may visit by following a link from this website. You acknowledge and agree that Manulife 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 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 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 sought to verify or confirm the information contained in the linked sites. Accordingly, Manulife disclaims any responsibility for the linked sites.

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

Changes to content within the website

Manulife reserves the right, in its 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, Manulife reserves the right, in its 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 Manulife posts changes to the Terms or Global Terms, you further acknowledge the Terms or Global Terms as changed and agree to be bound by them.

Applicable law

Your use of this site is governed in all respects by the laws of England and Wales. In the event of a dispute or claim arising in relation to, out of, or in connection with these Terms, the information contained on this site, and any use that is made of that information, the Irish courts shall have jurisdiction, subject to Manulife still being entitled to institute proceedings in respect of the dispute before any other competent court.

General

Any waiver of any provision of these Terms must be in writing and signed by Manulife to be valid. A waiver of any provision hereunder shall not operate as a waiver of any other provision, or a continuing waiver of the same provision in the future. If any court of competent jurisdiction finds any provision of these Terms to be void or unenforceable for any reason, then such provision shall be ineffective to the extent of the courts finding without affecting the validity and enforceability of any remaining provisions. These Terms represent the entire understanding and agreement between you and Manulife relating to the use of this website, and supersede any and all prior statements, understandings or agreements, whether written or oral, and shall not be modified except in writing, signed by you and by Manulife.

Tax Strategy

Manulife Asset Management in the UK is committed to full compliance with all statutory obligations and full disclosure to tax authorities. In accordance with Schedule 19 to the Finance Act 2016, our Tax Strategy is published here.

These Terms were last updated on May 25, 2018.