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Social media policy

These terms ("Terms") govern the social media-based websites, accounts, pages and applications (including without limitation Facebook and Twitter) of The Manufacturers Life Insurance Company, its subsidiaries and affiliates including but not limited to the Manulife Investment Management businesses including Manulife Investment Management (Hong Kong) Limited (“Manulife”) (collectively, the “Manulife Group”) that contain a link to these Terms.  Manulife Investment Management is the global wealth and asset management segment of Manulife Financial Corporation.  The information on this Site is intended for recipients in Hong Kong and is for reference only.  Please carefully read these Terms before you use this Site.  If you do not agree with these Terms, please exit this Site.

Site "Terms of Use" modifications

Manulife reserves the right, in its sole discretion, to change, modify, add or remove all or 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 this Site.

Intellectual property rights

Manulife owns all applicable copyright, trademarks and other intellectual property rights in the content and trademarks displayed on this 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.


The information and material provided on this Site are only for informational purposes and do not constitute a recommendation, professional advice, an offer, solicitation or an invitation by or on behalf of Manulife to any person to buy or sell any security.  The information and material on this Site may contain projections or other forward-looking statements regarding future events, targets, management discipline or other expectations, and are only as current as of the date indicated.  There is no assurance that such events will occur, and actual results may be significantly different from those shown here.  The information on this Site including statements concerning financial market trends, are based on current market conditions, which will fluctuate and may be superseded by subsequent market events or for other reasons.

Information on this Site should not be viewed as a current or past recommendation or a solicitation of an offer to buy or sell any investment product or to adopt any investment strategy.  Nothing on this Site constitutes investment, legal, accounting or tax advice, or a representation that any investment or strategy is suitable or appropriate to your individual circumstances, or otherwise constitutes a personal recommendation to you.  Past performance is not an indication of future results.  The materials on this Site have not been reviewed by the Securities and Futures Commission of Hong Kong.

Visit  for fund prospectuses which includes investment objectives, risks, fees, charges, expenses and other information that you should carefully read and consider before investing in any fund.  Investment involves risk, including possible loss of principal.

Site content modifications or termination

The information posted by Manulife on this Site is owned or licensed by Manulife, unless otherwise indicated.  Manulife reserves the right, but is not obligated, to modify and update its content from time to time without notice.  Manulife reserves the right to terminate or restrict access to all or any portion of this Site by anyone at any time and for any reason without notice to you.

Third party links

Other websites that link to or from this Site are completely independent of this Site.  Manulife has not reviewed all of the third party websites linked to this Sites and is not responsible for the content 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 this Site.  In addition, the acknowledgment of a website or the identification of persons and entities on this Site shall not, in any manner, be construed as an endorsement for the product, service, 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.


This Site, its functionality and its 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 any representations, warranties and conditions with respect to this Site and its 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 this Site.  This Site is made available to you for your personal reference only.  Its 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 this Site is advised to seek independent investment and/or professional advice before acting or omitting to act on any part of this 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 this Site, including posts made by employees or agents who are not authorized administrators of this Site.  Content posted by others does not necessarily represent the views or positions of Manulife.  Every user of this Site is advised to seek investment and/or 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 its site content for your personal reference 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 this 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 this 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 this Site or misuse of any information posted to this Site is strictly prohibited.  You agree that Manulife may remove, in its sole discretion, any infringing content from this Site at any time.

By posting, uploading, submitting or otherwise providing your content to Manulife, either directly or through this 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.


This Site is a public site and anything you post can be viewed by others.  At Manulife, it is not our practice to ask you, nor should you ever post, any personal or confidential information on this Site.  Manulife is not responsible for the terms of use or privacy or security policies of third party websites.  When visiting this  Site or any linked third party website, any communications, public or private, made via those social media platforms may be monitored, used and retained in accordance with the relevant privacy policy.  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.

Manulife Investment Management (Hong Kong) Limited’s privacy policy

Limitations of liability

In no event shall Manulife, its directors, officers or employees 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 this 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, its directors, officers and employees 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 this Site.


You hereby agree to indemnify and hold harmless Manulife, its directors, officers and employees 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, officers or employees as and when they arise, resulting from or relating to your use of this 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 Hong Kong.

May 2020