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U.S. Customer Privacy Policy
OUR PRIVACY COMMITMENT TO YOU  Your trust is important to us. It is one of our most valuable assets. One way we earn your trust is by protecting your personal information. We will only use your information to do business with you, and as permitted or required by law. We will not sell your information or share it with third parties for marketing purposes. Why Are You Receiving This Notice? The law requires us to provide this notice to you annually. It describes our privacy policy and how we handle your information. How Do We Protect And Share The Information We Have Collected About You? We have safeguards in place to protect your personal information. We train our associates to respect your information and to keep it safe. We take action against those associates who do not follow our privacy rules relating to both past and current customers. Your information is shared with associates when their jobs require it. We share your information with third parties that we have contracted with to provide services on your behalf. These parties can only use your information to perform those services. They are required to keep your information safe and may not use it for their marketing purposes. We share your information to process and service your contracts, benefits or accounts. We may share your information within the John Hancock family of companies to provide you with offers for other John Hancock products or services. We comply with restrictions set by regulatory authorities on our use of customer information to market or sell other John Hancock products to you. Can You Opt-Out? Companies that share your information with third parties for marketing reasons must offer their customers an opt-out program. We do not share your information with third parties for marketing purposes or for any reason not allowed by law. So, an opt-out program is not needed nor required. Why Do We Collect Your Information? Collecting information about you helps us provide you with quality products and services. We get most of your information from you. That information may include:
What Is Our Online Privacy Policy? You may read our Online Privacy Policy atc www.johnhancock.com. How Can You Review Your Information? Generally, you have the right to review information we have about you. Requests to review your personal information must be made in writing and signed by you. The request must include your full name, address, phone number and the name and number of your contract, benefit or account. If you believe information we have is incorrect, you may write us and request a correction. If we do not agree to your requested correction, you may write us to dispute our decision. We will keep all of your correspondence in our files. See “Contacting Us” below for address information. Contacting Us If you have any questions regarding this notice or how we protect your personal information and privacy, please contact us:
The John Hancock Family of Companies The John Hancock companies are subsidiaries of the Manulife Financial Corporation. The following John Hancock companies provide this notice:
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