Manulife reserves the right, in its sole discretion, to change, modify, add or remove portions of these Terms at any time without notice to you. Any changes, modifications, additions to, or deletions from these Terms shall be effective as of the date posted. By accessing a Site, you are agreeing to be bound by the then current version of these Terms, all applicable laws and regulations, and any other applicable policies, terms and guidelines established by Manulife and those of any third party hosts of the Sites.
Intellectual Property Rights
Manulife owns all applicable copyright, trademark and other intellectual property rights in the content and trademarks displayed on the Site and posted by Manulife ("Manulife IP") unless otherwise indicated. Unless permitted by applicable law, reproduction of Manulife IP, in whole or in part, with or without manipulation thereof, in any manner through any method without the prior written permission of Manulife is strictly prohibited.
Site Content Modifications or Termination
The information posted by Manulife on the Sites ("Site Content") is owned or licensed by Manulife, unless otherwise indicated. Manulife reserves the right, but is not obligated, to modify and update Site Content from time to time without notice. Manulife reserves the right to terminate or restrict access to all or any portion of a Site to anyone at any time and for any reason without notice to you.
Third Party Links
The Sites, functionality, and Site Content are provided "as is". To the maximum extent permitted by law, Manulife makes no representations or warranties, express or implied, and hereby disclaims and negates all other representations, warranties, and conditions with respect to these Sites and such Site Content, including without limitation, implied warranties or conditions of merchantability, interoperability, accuracy, currency, functionality, fitness for a particular purpose, title, freedom from computer virus or malicious code, non-infringement of intellectual property or other violation of rights, and any implied warranties arising from course of dealing or course of performance. Further, Manulife does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the Site Content or otherwise relating to such materials or on any sites linked to these Sites. The Sites are made available to you for your personal use only. Site Content is not intended to be: (a) a comprehensive or detailed statement concerning the matters addressed; (b) investment, tax, financial products or services, accounting, legal, or other professional or expert advice; or (c) an offer to sell or buy or a recommendation to buy or sell any security, insurance/banking/investment product or service, bond or other financial instrument and every user of the Site is advised to seek professional advice before acting or omitting to act on any part of the Site.
Manulife makes no warranty and accepts no responsibility with respect to the legality, accuracy, currency, non-infringing nature or appropriateness of any content provided by users of the Site, including posts made by employees or agents who are not authorized administrators of Manulife’s Sites. Content posted by others does not necessarily represent the views or positions of Manulife. Every user of this Site is advised to seek professional advice before acting or omitting to act on any part of the Site including any user-generated content.
Any Site Content regarding products and services is applicable only in jurisdictions where such products and services may lawfully be offered for sale and is void where prohibited by law.
Manulife provides you with limited permission to copy Site Content for your personal use only, provided you acknowledge the source of the Site Content whenever and wherever copied, and adhere to these Terms and all other legal rights in the Site Content. Failure to abide by these conditions will immediately revoke this limited permission for such personal use of Site Content. Upon termination of this license, you must destroy any materials in your possession that you downloaded or copied from the Site, whether in electronic or printed format.
Use Limitations/User-Generated Content
You agree to comply with all of Manulife’s social media guidelines with respect to any content that you post or share on a Site, and you agree to Manulife’s right to modify and delete any content you post or share at Manulife’s sole discretion. You also represent and warrant that any content you post, upload, submit or otherwise provide to Manulife does not violate any applicable law, regulation or contract, and shall not infringe any patent, trademark, trade secret, copyright or other intellectual property rights. Any unauthorized use of the Sites or misuse of any information posted to a Site is strictly prohibited. You agree that Manulife may remove, in its sole discretion, any infringing content from the site at any time.
By posting, uploading, submitting or otherwise providing your content to Manulife, either directly or through a Site, you hereby immediately grant (or warrant that the owner of such content expressly grants) Manulife a worldwide, perpetual, royalty-free, irrevocable and non-exclusive right and license to use, copy, adapt, transmit, communicate, publicly display and perform, distribute and create compilations and derivative works from such submitted content. Such license will apply with respect to any form, media, or technology now known or later developed. In addition, you hereby waive (or warrant that the owner of such content has expressly waived) all moral rights, as applicable, in such content. Unless otherwise restricted by applicable law, such content will be used by Manulife without any obligation of confidentiality to you or the owner of such content as the case may be.
Limitations of Liability
In no event shall Manulife, its directors or officers, be liable for any indirect, special, incidental, consequential, punitive or exemplary damages, including, without limitation, loss of revenue or loss of profits, costs and/or expenses (including but not limited to legal fees and disbursements), as and when they arise, from the use of or inability to use a Site including but not limited to the reproduction of the Site Content whether authorized or not, regardless of the form of action, whether in contract or in tort including negligence, even if Manulife has been advised of the possibility of such damages. Manulife will not be responsible in any way for loss or damage that results from your failure to comply with these Terms or other applicable guidelines, or from any technical, human or software errors or failures found within a Site.
You hereby indemnify Manulife, its directors and officers, from and against any and all claims, demands, suits, actions, causes of action and/or liability, of any kind whatsoever, for damages, losses, costs and/or expenses (including legal fees and disbursements), brought against Manulife, its directors or officers, as and when they arise, resulting from or relating to your use of a Site or any allegation that any content you post, upload, submit or otherwise provide to Manulife infringes, violates or misappropriates any third party’s rights in such content.
To the extent permitted by law, this site and its operation shall be governed by the laws of Ontario and the applicable laws of Canada.