Privacy Policy

Last updated: April 2024

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).

Country specific information

In many countries in which we do business, the privacy principles described above are supplemented by more detailed privacy policies that reflect the requirements of those countries. Please refer to the links below for our privacy policies applicable to specific locations or products.

Canada

United States

Asia

Manulife (International) Limited Privacy Policy
Manulife Provident Funds Trust Company Limited Privacy Policy
Manulife Singapore (Pte) Ltd Privacy Policy
Malaysia Manulife Holdings Berhad Privacy Policy
Asuransi Jiwa Manulife Indonesia Privacy Policy
Manulife Cambodia Privacy Policy
Manulife Philippines Privacy Policy
Manulife Business Processing Services Privacy Policy

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Manulife Investment Management