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Social Media Policy

These terms ("Terms") govern the social media-based websites, accounts, pages and applications (such as Facebook and Twitter) of The Manufacturers Life Insurance Company, its subsidiaries and affiliates including but not limited to the Manulife Asset Management businesses including Manulife Asset Management Services Berhad (altogether “Manulife Financial”, and collectively, "Manulife") that contain a link to these Terms (collectively, the "Sites" and individually, a "Site"). MAMSB is a wholly owned subsidiary of Manulife Holdings Berhad, which is majority owned by Canada-based Manulife Financial Corporation. The information on this Site is intended for recipients in Malaysia. Please carefully read this notice before you use this Site. If you do not agree with the following terms and conditions ("Terms"), please exit the Site. 

Site "Terms of Use" Modifications

Manulife reserves the right, in 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 a 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 in the content and trademarks displayed on the 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 is 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 that 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 any securities or regulatory authority including the Securities Commission Malaysia.

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 Manulife fund. Investment involves risk, including possible loss of principal.

Site Content Modifications or Termination

The information posted by Manulife on the Sites ("Site Content") is owned 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 a Site are completely independent of the Site. Manulife has not reviewed all of the 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.


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 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 these Sites. The Sites are made available to you for your personal reference 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 and 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 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 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, in 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, 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 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. Also Manulife is not responsible for the terms of use or privacy or security policies of third party websites. When visiting any Site or any linked third party website, any communications, public or private, done 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.

For MAMSB’s privacy policy please click here.

Limitations of Liability

In no event shall Manulife, its directors or officers, 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 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.


You hereby agree to indemnify Manulife, 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 Malaysia.

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