Our Global Privacy Policy

Manulife is committed to protecting the privacy of all personal information in our care. As an international provider of financial products and services operating in many countries around the globe, this policy applies to all our operations world-wide.

We may update this Policy from time to time, but the most current version is always posted here on our website. 

Manulife complies with applicable data protection legislation and regulations in jurisdictions where we do business.

How we collect Personal Information

• We collect personal information directly from you and from other sources in compliance with applicable laws and as further detailed in our privacy policies.
• We are committed to only collecting personal information that is required for specific purposes such as, or related to, providing products and services, conducting business, and better understanding your needs, or  where it is required or allowed by law.
  
• The personal information we collect is limited to what is reasonably required to fulfil the purposes for which it was collected and may include your name, contact information, information about how you use our products and services, and information about your preferences, demographics, and interests.
  
• We may also collect information when you visit our websites or use our mobile applications such as your IP address, information about your operating system, the time and duration of your visit to our sites, Internet locations you came from, and the web pages you visit within our sites in order to track usage and improve our websites and improve your experience.  For more information, review our Online Privacy Statement.
  

How we use and retain Personal Information

• We only use and retain your personal information for the purposes for which it’s collected, for other purposes you consent to, or when it is required or allowed by law. 
• Depending on your relationship with us, we may use your personal information for purposes such as:
  • Delivering our products and services
  • Providing customer service and responding to inquiries or requests
  • Improving our services and your interactions with us
  • Fulfilling our legal, regulatory and security obligations
  • Managing our business
• We may analyze your information to better understand your needs and what products, services, and promotions may be of interest to you.
• We will keep your personal information only as long as is reasonably necessary to satisfy the purposes for which it was collected or as required or allowed by law.
• Once no longer required, your personal information will be securely destroyed or anonymized, in compliance with applicable laws.
• We aim to keep our records of your personal information as accurate and up to date as is necessary to fulfill the purposes for which it is collected, used, and retained.

How we share Personal Information

• We only share your personal information for the purposes for which it’s collected, for other purposes you consent to, or when it is required or allowed by law. This may include sharing personal information with reinsurers, with our agents or representatives, or with our service providers.
• In some cases, and where allowed by law, your personal information may be transferred, stored, accessed, or used in jurisdictions outside where it was collected. It would therefore be subject to the laws of those jurisdictions.
• We are responsible for personal information in our possession, including information transferred to service providers who perform duties on our behalf. When we share personal information with our service providers, they must protect it and handle it in ways that are consistent with our privacy policies, our practices, and applicable laws.
• In some cases, where allowed by law or with your consent, we may share your information within the Manulife group of companies in order to provide you with offers for other products or services.  You may opt out of receiving those offers.
• We do not share your personal information without your consent with any organization outside our group of companies for the purpose of that organization marketing its products or services to you.

How we safeguard Personal Information

• We will protect personal information with security safeguards that are appropriate to the sensitivity of the information, in order to protect it from unauthorized access, release, modification or use.
• All our employees are required to complete annual privacy and security training.
• We are committed to handling the personal information under our control with care. We have implemented physical, organizational, contractual and technological security measures to protect your personal information and designated individuals who are responsible for monitoring our ongoing compliance with this Policy.

Your Personal Information choices and rights

• We will make information about our privacy policies and practices available to you.
• Upon your written request, we will provide you with reasonable access to your personal information and a description of its use or disclosure, as required or permitted by law. You may also verify the accuracy and completeness of your information, and request that it be amended or deleted, if appropriate or permitted by law.
• You may have additional privacy choices and rights depending on your products or location.
• If you would like more information about any additional privacy choices and rights you may have, or if you have questions, requests, concerns, or a complaint about your privacy please follow the instructions provided in the privacy policy applicable to your specific location and /or product(s).

We respect your privacy

At Manulife, our Mission is to make decisions easier and our customers' lives better. We are putting our customers first and leveraging technology to deliver on this promise. This includes protecting the privacy of all personal information in our care, including what we collect through digital channels like our Websites and Apps.

The information we collect and how we collect it

The type of information we collect depends on how you use our Websites and Apps, but may include:

• the browser and device you are using, which is provided by your browser and device
• the address of the site you came from, which is provided by your browser
• the date and time of your visit, which is provided by cookies
• the pages you visit within our Websites and Apps, which is provided by cookies
• the number of times you visit our Websites and Apps, which is provided by cookies
• how long you stay on our Websites and Apps and at what point you exit, which is provided by cookies
• your geolocation and your IP address, which is provided by your device
• information you provide us by inputting it into our Websites and Apps when applying for products or using our online tools and calculators. This may include (but is not limited to) your name, email address, mobile phone number, user names, passwords, date of birth and language preferences
• other information collected using cookies, web beacons and similar technologies (by us or by third parties on our behalf)

We will only collect information in fair and legal ways that is required for, or related to, providing products and services, conducting business and better understanding consumer needs.

How we use the information we collect

Depending on your relationship with us, we may use the information we collect from our Websites and Apps in the follow ways:

• personalize and enhance your experience while you are visiting or using our Websites and Apps and make navigation easier
• enable you to use our online planning, digital advice, or investment strategy tools
• verify your identity and process transactions you have requested
• administer our business, including data analysis, audits, developing and improving products and services, and determining the effectiveness of our marketing and advertising campaigns
• allow our web server to determine whether the cookies setting on your web browser has been enabled or disabled so that we will know whether data can be collected from your web browser
• track your visits to our websites and recognize your web browser when you are a repeat visitor so that we can gather statistics on the number of new and repeat visitors and evaluate our website effectiveness
• deliver targeted advertising of Manulife products and services on our Websites and Apps and other companies’ websites
• protect you and us from errors, misrepresentations, fraud, and/or contravention of laws or criminal activity
• provide customer service, deliver information about our products, contact you for customer satisfaction surveys and conduct market research,
• enable contracted third parties to perform services or functions on our behalf.  They are required to safeguard the information we share with them and can only use it for our contracted business purposes

We only use or disclose your personal information for the reasons it’s collected, for other purposes you consent to, or when it is required or allowed by law.

Manulife contracts with advertising agencies and marketing firms to promote our products and services, including on third-party websites that are not affiliated with us.  These contracted service providers may employ interest-based or online behavioral advertising techniques in order to display advertisements that are more likely to be of interest to you.

We use web analytics services to analyze the use of our websites.  These tools use cookies to collect and generate information about your visits to our sites (including your Internet Protocol address) that is transmitted to their servers in an anonymous form for processing. We study patterns of website activity so we can improve the experience of visitors to our sites.

Learn more about cookies, web beacons and similar technologies

Cookies are small text files that are automatically created by your browser on your computer when you visit an internet site. Cookies collect and store information about your browsing patterns and information you provide.

In some cases, and where permitted by law, Manulife may allow third party cookies to be created when you visit our Websites. These cookies are used to advertise Manulife products on other companies’ websites and to allow us to track the effectiveness of our advertising.

Our web pages may also contain electronic images known as web beacons. Web beacons are sometimes referred to as “clear GIF images”, “pixel tags” or “single-pixel GIFs”.  Web beacons are usually invisible to a user and are used for many of the same purposes as cookies.

Safeguards

To help protect your Personal Information from unauthorized access and use, we use a combination of security measures and maintain physical, technical, and administrative safeguards designed to keep it safe.  For example, we employ encryption techniques such as Transport Layer Security (TLS) and authentication technologies intended to safeguard the transmission of information over the Internet.  Some of our Websites utilize a timeout feature which will automatically log you out of your account after a period of idle time.

You should be aware that no method of transmission over the Internet or method of electronic storage can be guaranteed to be 100% secure.

It’s your choice

Most browsers are initially set to accept cookies. If you would prefer, you can set your browser to disable cookies or to inform you when they are set. You also have the ability to delete cookies that you have accepted.

You can opt-out of web analytics activity by setting your browser to notify you when a cookie is sent and block analytics cookies if desired. Please consult your browser's Help Menu for instructions.

If you delete or disable cookies, you may not be able to take full advantage of features within our Websites.

Links to other websites

Some of our websites may contain links to other websites that are not affiliated with us. We do not monitor or maintain the privacy practices of these websites, and do not have authority over them. We do not assume any responsibility for their privacy policies and procedures.