This website is operated by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located. If you wish to access and use this website, you must accept and agree to be bound by and comply with these terms and conditions of use (the "Terms"). If you do not agree to these Terms, then you must refrain from accessing or using the website. Your use of this website constitutes your acceptance of these Terms.


This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the funds accessible through this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice. This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

General terms and conditions of using this website

No funds or services described herein are offered or will be sold in any jurisdiction in which such an offer or sale would be unlawful under the laws of such jurisdiction. No such fund or service is offered or will be sold in any jurisdiction in which registration, licensing, qualification, filing or notification would be required unless such registration, license, qualification, filing or notification has been effected.

No warranty is made in respect to the information contained in this website. Manulife Investment Management believes that the information contained and opinions expressed in this site are accurate at the date .of publication, but does not guarantee the accuracy, completeness, currency or authenticity of any site content.

Past performance is no guarantee of future returns. Where offered, please note that the price of any units or shares of any fund described herein and the income from them can fall as well as rise and you may not get back the amount originally invested.

You must read any relevant offering document(s) and/or investment policy statement for any fund or strategy for all the relevant risk factors pertaining to your investment. You are responsible for ensuring that you are appropriately informed about any securities, taxation or other legislation or law that could affect your decision to invest in any fund or strategy described herein.

Important information about liability

You agree that your use of the website and content available on or through the website shall be on an "as is" and an “as available” basis without warranties of any kind, either express or implied, entirely at your own risk. Manulife Investment Management makes no warranty or representation that the website, including the location-specific sections (A) will be secure or available at any particular time or location, (B) any defects or errors will be corrected, or (C) are free of viruses or other harmful components. Certain locations do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.

You agree to indemnify all Manulife Investment Management entities (including their parent companies, and affiliated or associated companies) and their officers, directors, employees and agents in respect of any third-party claim, including reasonable attorneys' fees, for any injury, loss, damage or expense occasioned by or arising directly or indirectly from the operation, use or supply of information to a third party provided in breach of any of your obligations under these Terms.

If you transmit any communication through this website to Manulife Investment Management directly or through any third-party internet or other service provider, you shall be responsible and liable for any omissions or failures that may be made while transmitting or receiving communications using this website. This website is not designed for the transmission of time sensitive instructions - this means that if you use this website to transmit time sensitive instructions, you will be responsible and liable for any loss that may arise, and you transmit such time sensitive information at your own risk. You agree that neither Manulife Investment Management, nor any officer, affiliate, manager, member, director, agent or employee of Manulife Investment Management, or any Manulife Investment Management affiliate, will be liable to you or any third party for any direct, indirect, incidental, special, punitive, or consequential damages, including but not limited to, loss of profits, loss of earnings, loss of business opportunities, loss of data, damages, expense, or costs resulting directly or indirectly from, or otherwise arising in connection with, the use or inability to use the website by you or any third party, including without limitation any of the following:

A. Reliance. Damages resulting from or arising from any reliance on the website or any content on the website, or the mistakes, omissions, interruptions, errors, defects, delays in operation, non-deliveries, mis-deliveries, transmissions, eavesdropping by third parties, or any failure of performance of the website or any content. B. Infringement, etc. Any allegation, claim, suit, or other proceeding based upon a contention that the use of the website by any user or a third party infringes the copyright, patent, trademark, trade secret, confidentiality, privacy, or other intellectual property rights or contractual rights of any third party. C. Force Majeure. Any delay or failure of Manulife Investment Management to perform due to government restriction, strikes, war, any natural disaster or any other condition beyond Manulife Investment Management's control.

Intellectual property; hyperlinks to third party websites

Unless otherwise indicated, Manulife Investment Management or its affiliates owns the copyright and any other intellectual property rights subsisting anywhere in the world to the information on this website. You may not copy, reproduce, duplicate, modify, adopt or lend, sell, disseminate or otherwise transfer, in whole or in part, any of the information, contained in this website, except for the purpose of accessing the website and producing print-outs for your own personal use, or making a reasonable number of copies of such pages for internal use within your organization in accordance with these Terms. Users shall not remove, alter, or obscure any copyright, trademark, trade secret or other proprietary rights notices appearing in or on the website, and shall reproduce all such notices on any copies of content made by or on behalf of users. We do not recommend or endorse and accept no responsibility for the content of any website not operated by us which you may visit by following a link from this website. You acknowledge and agree that Manulife Investment Management is not responsible for the availability of such third-party sites or resources, and do not endorse, approve, investigate or verify, and are not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. You further agree that Manulife Investment Management shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, products or services available on such external sites or resources. These links are provided as a convenience and solely for informational purposes. Manulife Investment Management is not making any recommendation to invest in, purchase, or sell any securities or other products or services issued by the companies with the linked sites, nor has Manulife Investment Management sought to verify or confirm the information contained in the linked sites. Accordingly, Manulife Investment Management disclaims any responsibility for the linked sites. No other website, without the prior written permission of Manulife Investment Management, is authorized to link to any part of this website. Names, phrases, logos, icons, graphics, images or designs, including the design marks above, used throughout the website may be trade names, registered or unregistered trademarks or services marks ("Trademarks") of The Manufacturers Life Insurance Company, its subsidiaries or affiliates. The display of Trademarks on this website is not an implied license to any third party for use of the Trademarks. Manulife, Stylized M Design, Manulife Investment Management, & Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and its affiliates under licensees. Any retransmission or alteration of Trademarks or other form of unauthorized copying may be a violation of the law and such users may be subject to legal action.


Changes to content within the website

We reserve the right, in our sole discretion, to change, modify, add or remove portions of these Terms at any time without notice to website users. Similarly, we reserve the right, without notice, in our sole discretion at any time, to change, modify, add or remove the content of this website, including the location-specific sections, to terminate the website in whole or in part or to terminate your license to use this website. You must check these Terms periodically for changes. Any changes, modifications, or additions to, or deletions from these Terms shall be effective upon posting on this website. If you access this website, including the location-specific sections, after we post changes to the Terms, you further acknowledge the Terms as changed and agree to be bound by them.


Manulife Financial complies with data protection regulations in jurisdictions where we do business. For further information, please reference our Privacy Policy.


In the event that any provision of these Terms shall, in whole or in part, be determined to be invalid, unenforceable or void for any reason, such determination shall affect only the portion of such provision determined to be invalid, unenforceable or void, and shall not affect in any way the remainder of such provision or any other provision of these Terms. Manulife Investment Management and user authorize a court or arbitrator to replace such an invalid, unenforceable or void provision with a valid provision which is as similar as possible in substance to the invalid, unenforceable or void provision. Manulife Investment Management's failure to act with respect to a breach by user or others does not waive their right to act with respect to subsequent or similar breaches.

These Terms and any modifications hereto constitute the entire agreement between the parties with regard to the subject matter hereof and supersede all prior understandings and agreements, whether written or oral, as to such subject matter. Nothing contained in these Terms shall be deemed to constitute either party as the agent or representative of the other party, or both parties as joint ventures or partners for any purpose. Governing Law

The laws of Ireland applicable therein shall govern as to the interpretation, validity and effect of this agreement and any use of the website.

Last Updated: 13 December 2019