By accessing and using this website, you are accepting and agreeing to be bound by and comply with these Terms. If you do not agree to these Terms, please refrain from accessing or using the Site. The Terms may be changed from time to time, without prior notice. The amended Terms shall automatically become effective immediately after they are posted.
The information contained on the pages of this Site is subject to modification and update from time to time without notice. We do not guarantee or ensure the accuracy, completeness, currency or authenticity of any Site content or functionality, or transmission of any Site content from the Site to you.
Other World Wide Web sites that may be accessed from or provide access to this Site by hypertext links are entirely independent of this Site. The inclusion of any site acknowledgments, identification of any person or entity in the Site, or any hypertext link to or from another site shall not, in any manner, be construed as an endorsement of such person's or entity's World Wide Web site, products, services, or contributions to the Site.
Use of the Site
This Site does not, and it is not intended to, provide any financial, investment, insurance, legal, accounting, or tax advice. The Site should not be used or relied upon by you as a substitute for your independent research or professional advice. Nothing in this Site constitutes an offer to sell or a solicitation of an offer to buy any security or any investment or insurance product or service. All products and services are subject to the terms and conditions of the applicable agreements.
Your use of the Site shall be on an "as is" basis entirely at your risk. Neither John Hancock, Manulife, nor any of their affiliated companies, nor any officer, director, or employee thereof, nor any other person associated with the creation of the Site or its contents, shall be liable or responsible to any person for any harm, loss or damage that may arise in any connection with your use of the Site, including without limitation any direct, indirect, special, third party, or consequential damages. Past performance is not an indicator of future returns and references to performance on this Site are provided as historical benchmarks only.
The Internet is not a secure medium where security can be ensured, and complete security and confidentiality over the Internet is not possible at this time. Your confidential use of the Site cannot be guaranteed and your use of the Site (including information you transmit to the Site) may be subject to access by, or disclosure to, other persons.
Names, phrases, logos, icons, graphics, images or designs used throughout the Site may be trade names, registered or unregistered trademarks or service marks ("Trademarks") of John Hancock Financial Services, Inc., The Manufacturers Life Insurance Company, or their subsidiaries or affiliates. The display of Trademarks on this Site 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. All information on this Site is protected under copyright laws. Except for certain "fair use" or as otherwise provided on this Site, no one has permission to copy, redistribute, reproduce or republish any information found on this Site, which includes uploading or downloading without our prior written consent. You may hyperlink to the URL of our home page at www.johnhancock.com subject to our prior approval in writing or by email. If you would like further information concerning Site contents or you wish permission to link to, use, reproduce, or republish any Site contents, please click here.
This Site is based in Boston, Massachusetts, and the laws of the Commonwealth of Massachusetts and the federal laws of the United States of America shall govern as to the interpretation, validity and effect of these Terms and any use of the Site. The courts of the Commonwealth of Massachusetts shall have exclusive jurisdiction in any action or proceeding instituted under or related to these terms or your use of the Site.
The products and services referred to on this Site are available only in jurisdictions where they may be lawfully offered for sale, and not all John Hancock and Manulife products and services are available in all locations.
Information Required by the States of California and Massachusetts
John Hancock Life Insurance Company (U.S.A.)
State of Domicile: Michigan
Principal Place of Business: Boston, Massachusetts 02210
California Certificate Number: 2955-3