Our Global Privacy Policy

Manulife is committed to complying with applicable privacy legislation and protecting the personal information in our care. As an international provider of financial products and services operating in many countries around the globe, this Notice applies to all our operations world-wide and is supplemented in some instances by country specific privacy notices.

We may update this Notice from time to time. This Notice is current as of the date which appears at the top of this page.

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

How we collect Personal Information

• We generally collect personal information directly from you, through our websites and mobile applications and from other sources in compliance with applicable laws and as further detailed in our privacy notices.
• 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 we are 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 or information you voluntarily provide to us 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 Cookie Notice or our country specific privacy policies.

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 we are 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 products, services, and your interactions with us, including through the use of analytics, automation, and artificial intelligence tools, where allowed by law. This may include developing, testing, or improving such tools.
  • Fulfilling our legal, regulatory, and security obligations
  • Detecting and preventing fraud
  • Managing our business
  • Advertising, marketing, and providing personalized content and services
  • Understanding customers interests and needs
• We will keep your personal information only as long as is reasonably necessary to satisfy the purposes for which it was collected or as we are required or allowed by law.
• 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. We rely on you to give us accurate information and to let us know about any changes.

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 we are required or allowed by law. This may include sharing personal information with reinsurers, with our agents or representatives, within the Manulife group of companies or with our service providers.
• In some cases, and where allowed by law, your personal information may be shared, stored, accessed, or used in jurisdictions outside where it was collected and subject to the laws of those jurisdictions.
• We are responsible for personal information in our possession, including information shared with service providers who perform duties on our behalf. When we share personal information with our service providers, we require them to protect it and handle it in ways that are consistent with our privacy notices, 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.
• Where required by law, we may need to share certain personal information with regulators, government agencies, exchanges, self-regulatory organizations or law enforcement authorities.
• We do not share your personal information with any organization outside our group of companies for the purpose of that organization marketing its own products or services to you, unless with your consent or where allowed by law.

How we safeguard Personal Information

• We are committed to protecting 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.
• We are committed to handling 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 Notice.

Your Personal Information choices and rights

• Upon your written request, we will provide you with reasonable access to your personal information and a description of how it is used or shared, 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, services or location.

If you would like more information about any additional privacy choices and rights you may have, or if you have questions, requests, or a complaint about the handling of personal information please follow the instructions provided in the privacy notice applicable to your specific location and /or product(s) or service(s).

Notice on Personal Data and Privacy issued to the Personal Data Protection Act 2010 ("PDPA")

This Cookies Notice applies to Manulife websites and mobile applications, collectively referred to as “Sites” throughout this Notice. It explains how we collect, use and disclose information gathered via Cookies and similar digital tracking technologies. It forms part of our Global Privacy Notice and is supplemented in some instances by country or product-specific policies and/or other website terms or agreements that may apply to your relationship with us.

We may update this Notice from time to time. This Notice is current as of the date which appears at the top of this page.

This Notice explains how and why Cookies, web beacons and similar tracking technologies (collectively “Cookies”) may be stored on and accessed from your device when you use or visit our Sites and how you can control your preferences.

What are Cookies and web beacons?

Cookies are small text files of information that are automatically created by your browser on your device when you visit an internet site. Cookies collect and store information about your device, browsing patterns and information you provide; helping Sites remember users and tracking their activities to provide a personalized experience.

Our Sites 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. Our mobile apps also use Software Development Kits (SDKs) which collect, process and store different types of information.

The information we collect

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

• the browser and device used
• the address of the site you came from
• the date and time of visit
• the pages visited within our Sites
• searches conducted on our Sites
• the number of times you visit our Sites
• how long you stay on our Sites and at what point you exit
• your geolocation and your Internet Protocol (IP) address
• other information collected via our product specific Sites using Cookies, web beacons and similar technologies (by us or by third parties on our behalf)

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

Types of Cookies on our Sites and how we use them

1. Strictly Necessary Cookies

These Cookies are essential to the basic operation and security of our Sites. They enable core functions such as serving up a webpage, secure login, session management, and allow access to protected areas. They also help us fulfill our legal, regulatory, and security obligations.

Strictly necessary Cookies are always active and do not require your consent. You may adjust your browser settings to block these Cookies, but doing so may impact the functionality and performance of the site.

2. Functional Cookies

These are used to enhance the user experience by enabling personalized features and remembering user preferences. These Cookies allow the website to recall choices such as your sign-in ID, language selection, and display settings, helping to streamline future visits.

If you choose not to allow these Cookies, certain personalized features or services may not function as intended.

3. Performance Cookies

These Cookies help us understand how users interact with our Sites. We study patterns of activity so we can improve the experience of visitors to our Sites by collecting data such as the number of visitors, the time and frequency of visits, which pages are most and least popular, and how users navigate through the site. This information allows us to personalize content, identify performance issues, track engagement, and improve the overall user experience by making it easier to find relevant content and services.

Performance Cookies may already be activated by default, where permitted by law. Where not activated by default, users would need to provide consent explicitly via our Cookie Management tool, where applicable. Where performance Cookies are not activated, our ability to optimize Site performance and content relevance may be limited.

4. Targeting Cookies

These Cookies help us deliver targeted ads and content tailored to your interests based on your interactions with our website. They collect data such as your device type, pages visited, and referral sources. These Cookies also support personalization features, including displaying products or services that may be of interest to you and enabling social media sharing.

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 to display advertisements that are more likely to be of interest to you. While you may still see general ads if you disable these Cookies, they won’t be personalized to your activity and are part of broader campaigns. Targeting Cookies may also be used to pass anonymized data to advertising platforms.

5. Social media Cookies

These Cookies are set by a range of social media services that we have added to the Site to enable you to share our content with your networks. They are capable of tracking your browser across other sites and building up a profile of your interests. This may impact the content and messages you see on other websites you visit. If you do not allow these Cookies you may not be able to use these sharing tools.

Duration

Cookies have a duration period. Some Cookies are temporary (session Cookies), while others may stay on your browser until you delete them manually or until your browser deletes them based on the duration set within the Cookie (persistent Cookie).

It’s your choice – managing your Cookies.

Most browsers are initially set to accept Cookies. If you would prefer, you can set your browser to disable non-essential Cookies or to inform you when they are set. You also have the ability to delete certain Cookies that you have accepted. Consult your browser's Help Menu for instructions. If you delete or disable certain Cookies, you may not be able to view, use, or take full advantage of features within our Sites.

Many of our Sites allow you to manage or change your Cookie preferences using a Cookie Management Tool. Where applicable, click on the Cookies Settings link within the Cookie banner notice. This banner may no longer be visible if you have already set your Cookie preferences. Delete the “OptanonAlertBoxClosed" Cookie and reload your browser in order to see the Cookie banner again.

We honour the Global Privacy Control opt-out signal sent by participating browsers when you visit our Sites.

Links to other websites

Some of our Sites may contain links to other websites that are not affiliated with Manulife. 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.

Staying Informed and Connected

We are committed to maintaining transparency in how we collect and use data through Cookies. As digital privacy continues to evolve, we may update this Notice to reflect changes in technology, regulation, and our practices. We will take reasonable steps to communicate any significant changes.

If you have any questions or concerns about our use of Cookies or your privacy rights, please contact us through the channels provided in our Global Privacy Notice.

Country specific information

Certain countries in which we do business may have local requirements that supplement the principles described above. Please refer to the links below our Global Privacy Notice for notices applicable to specific locations or products.