By accessing and using this website , you are accepting and agreeing to be bound by and comply with these Terms. If you do not agree to these Terms, please refrain from accessing or using the Site. The Terms may be changed from time to time, without prior notice. The amended Terms shall automatically become effective immediately after they are posted.
Site contentThe information contained on the pages of this Site is subject to modification and update from time to time without notice. We do not guarantee or ensure the accuracy, completeness, currency or authenticity of any Site content or functionality, or transmission of any Site content from the Site to you.
Other World Wide Web sites that may be accessed from or provide access to this Site by hypertext links are entirely independent of this Site. The inclusion of any site acknowledgments, identification of any person or entity in the Site, or any hypertext link to or from another site shall not, in any manner, be construed as an endorsement of such person's or entity's World Wide Web site, products, services, or contributions to the Site.
SecurityThe Internet is not a secure medium where security can be ensured, and complete security and confidentiality over the Internet is not possible at this time. Your confidential use of the Site cannot be guaranteed and your use of the Site (including information you transmit to the Site) may be subject to access by, or disclosure to, other persons.
Use of the SiteThis Site does not, and it is not intended to, provide any financial, investment, insurance, legal, accounting, or tax advice. The Site should not be used or relied upon by you as a substitute for your independent research or professional advice. Nothing in this Site constitutes an offer to sell or a solicitation of an offer to buy any security or any investment or insurance product or service. All products and services are subject to the terms and conditions of the applicable agreements.
Your use of the Site shall be on an "as is" basis entirely at your risk. Neither John Hancock New York, Manulife, nor any of their affiliated companies, nor any officer, director, or employee thereof, nor any other person associated with the creation of the Site or its contents, shall be liable or responsible to any person for any harm, loss or damage that may arise in any connection with your use of the Site, including without limitation any direct, indirect, special, third party, or consequential damages. Past performance is not an indicator of future returns and references to performance on this Site are provided as historical benchmarks only.