Site "Terms of Use" Modifications

Manulife reserves the right, at 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 this 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 over the content and trademarks displayed at the Site and posted by Manulife ("Manulife IP"), unless otherwise indicated. Except in cases permitted by applicable law, reproduction of Manulife IP, in whole or in part, with or without manipulation thereof, in any manner, through any method, and without the prior written permission of Manulife is strictly prohibited.

Site Content Modification or Termination

The information posted by Manulife on its Sites ("Site Content") is owned and/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

Other websites that link to, or from any Site are completely independent of the Site. Manulife cannot guarantee monitoring of all third party websites linked to its Sites, and is not responsible for the contents of any such linked website. Manulife does not endorse the websites to which it links. Similarly, Manulife does not endorse websites which link or refer to Manulife’s Sites. In addition, the acknowledgment of a website, or the identification of persons and entities on a Site, shall not, in any manner, be construed as an endorsement for the product, person, or entity by Manulife. Use of any such linked website is at your own risk. You understand that when going to a third party website, that website is governed by the third party’s privacy policy and terms of use, and the third party is solely responsible for the content and offerings presented on its website.

Disclaimer

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, but not limited to, 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. 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.

Use License

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 permission, 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, at 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, to 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.

Privacy

With respect to content collected through the Sites, Manulife follows the applicable privacy policies of the third party hosts of such Sites. Please note that when visiting any Manulife website, you are also subject to the terms and conditions of Manulife’s privacy policy, as well as the terms of service and privacy policies of third party hosts, when applicable.

When visiting social media sites of the brand or its employees, any communications, public or private, done through those social media platforms may be monitored, used, and retained in accordance with the Privacy Policies applicable.

Limitations of Liability

In no event shall Manulife, and its directors or officers, be liable for any indirect, special, incidental, consequential, punitive or exemplary damages, including, without limitation, loss of revenue or 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.

Indemnification

You hereby indemnify Manulife, and 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.

Governing Law

To the extent permitted by law, this Site and its operation shall be governed by the laws of the Philippines and the applicable laws of the Philippines.

Declaration and Agreement

At Manulife, we are committed to providing the highest quality financial products and services in a manner that fosters trust and confidence among our customers and representatives. That commitment includes protecting the privacy of all the personal data in our care. 

1. The Company collects and uses my personal and sensitive information to operate an insurance business. By submitting this form and continuing to avail of the company’s products and services, I agree that the information I provided and any subsequent changes to it can be processed, shared, disclosed, transferred or used by the company, including its shareholders, directors and employees, affiliates, subsidiaries, business partners, any member of the Manulife Group of Companies (including those located overseas), advisors, representatives, industry associations and databases, local and foreign authorities having jurisdiction over companies within the Manulife Group of Companies, external auditors/counsels, and its third party service providers (whether within or outside the Philippines) within the rules set by  the Data Privacy Act of 2012, as may be amended from time to time, relevant regulations and the Company’s privacy policy available at www.manulife.com.ph/Customer-Privacy-Policy for purposes of:
   
   • underwriting and approving my application;
   • administering, serving and reinsuring my policy;
   • marketing (including marketing of products and services offered by any member of the Manulife Group of Companies and those of our business partners), promoting, getting feedback on our products and services, and measuring client satisfaction;
   • conducting data analytics and doing automated data processing; 
   • preventing money laundering or terrorist financing activities;
   • complying with  reportorial and regulatory requirements of both local and foreign regulatory authorities (including local and foreign tax authorities and stock exchanges) as well as other legal, regulatory or contractual obligations of any member within the Manulife Financial Group, relating to information sharing, tax reporting or otherwise; 
   • the Company’s internal purposes such as governance, risk, actuarial, claims and underwriting management, and reporting; and
   • for other reasonable purposes related to the services provided.
2. I understand that the Company intends to use, from time to time, the information I provided in direct marketing of the following products and services:
   1. I agree that only the following kinds of personal data may be used in such direct marketing: a) name; and b) contact information (including but not limited to mobile phone number, landline number, email address and residential address)
   2. I consent to receive said notices, announcement and offers thru e-mail, mobile or telephone call from the Company or from its third party service providers.
3. I understand that for any data privacy-related questions or concerns, I can email PHDataProtection@manulife.com or contact the Company’s Data Protection Officer at (632) 884-5433 local 1740.