Terms and Conditions for the ManulifeMOVE Rewards Programme

Please read these terms and conditions ("Terms") before participating in the ManulifeMOVE Rewards Programme ("Programme"). Your participation in the Programme means you unreservedly accept the following Terms. Manulife (Singapore) Pte. Ltd. 

("We/Us/Manulife") may vary these Terms without any notice to you. 

A. Service

This behavioural insurance Programme is a programme designed to motivate a healthy lifestyle. In order for this Programme to be effective, it will be necessary for us to collect, use and share certain data about you. You may be asked to enter various health, fitness, nutritional, and/or other relevant data, including but not limited to health metrics, fitness activities, sleep, heart rate, weight, height, steps and calories burned ("Data").

The MOVE health score provides you with a score based on the Data you provide. The health score generated is for information purposes only and is not intended to substitute the expertise and/or judgment of any healthcare professional. This score does not make any medical diagnosis nor does it provide treatment to any medical conditions. In case of any specific questions regarding the treatment and/or care of a medical condition, please contact your healthcare professional.

You confirm that the Data provided during the Programme is accurate and true to the best of your knowledge, belief and ability.

B. Usage of Service

Manulife shall exclusively own the Data and use it for the following purposes:

• to process, administer, implement and effect the requests, transactions or participation in the Programme. These include but are not limited to rewards calculation, in-app display and alerts to help you keep on track with activities in the Programme;
• to design new experiences and enhance existing products to be provided by Manulife and its partners under the Programme;
• to develop ideas, concepts and/or campaigns relating to this Programme that is contained in any communication you send to us via this application

C. Eligibility Conditions

You will be eligible to participate in the Programme if:

• you are the primary life insured of at least one Manulife policy ("Eligible Policy") issued which is either:
  •  a regular premium policy with a minimum annual premium of SGD/USD 3,000; or
  • an Heirloom, or a Signature Series single premium policy
• you were the primary life insured of the Eligible Policy when it first commenced;
• you are/were at least 18 years of age at the inception of the Eligible Policy;
• your mobile number was provided when the Eligible Policy was purchased (as part of the application process); or
• the free-look period of the Eligible Policy has ended.

D. Programme Membership Activation

To activate your Programme membership, you need to:

1. Download the ManulifeMOVE mobile application via the App Store or Google Play Store,
2. Create an account with a valid email address,
3. Verify the email address via a one-time PIN that will be sent to your email address,
4. Enter your NRIC/FIN/Passport details and date of birth when prompted.
5. Connect a tracker* to the ManulifeMOVE application

*ManulifeMOVE supports iOS (iPhones), Apple Watch, Android (Samsung Health, Google Fit), Fitbit, Garmin.

 For the avoidance of doubt, participants are only allowed to create 1 membership account. Manulife reserves the right to suspend and/or terminate the account(s) of such participant who holds more than 1 membership.  

E. Rewards

Every 182 days from the date of activation of your Programme membership ("MOVE Period"), you can earn premium cashback of:

SGD 50, if you accumulate 10,000 average daily steps over the MOVE Period; or

SGD 25, if you accumulate 7,000 average daily steps over the MOVE Period.

You will be notified via your ManulifeMOVE mobile application if you qualify for the above premium cashback.

Note: If you are unsure about whether the Programme is appropriate for your health needs and condition, please consult your physician or other healthcare professionals before/during the Programme.

F. Payment of Rewards

The premium cashback will be paid to the policyowner of the Eligible Policy, via a cheque issued by a Singapore local bank, which will be mailed to the residential address of the Eligible Policy’s policyowner.

It is your responsibility to ensure that the address is correct at the point of Eligible Policy application and thereafter.

If the Eligible Policy's policyowner (or the assignor of an assigned Eligible Policy) is a corporate entity, the premium cashback will instead be payable to Eligible Policy's primary life insured.

The payment methods of the premium cashback may be amended from time to time, without prior notification to you.

G. Membership Suspension and Termination

(1) Failure to meet eligibility

Your membership will be suspended for 182 calendar days if you fail to meet any or all eligibility conditions at any point during your membership.

Your membership will be reinstated once you are able to meet all the eligibility conditions within 182 calendar days from when your membership was suspended. The steps accumulated during the suspension period will only be accounted for once the membership is reinstated.

Note that there will be no payment of rewards during the suspension period.

There will also be no payment of rewards missed during the suspension period even upon reinstatement.

If you are unable to meet all the eligibility conditions within the 182 calendar days suspension period, your membership will be terminated.

After termination, if you are again able to meet all the eligibility conditions, you may be offered a new membership, subject to the Terms of the Programme at that point.

(2) Voluntary termination

You may also choose to terminate your Programme membership at any point by notifying us via email at MOVESG@manulife.com. 

H. Other Conditions

Inactivity of ManulifeMOVE Health score feature 

Your ManulifeMove Health Score feature (the "Feature") will be deactivated in the event that you do not utilise the Feature within 120 days. You will receive an in-application and email notification on the impending deactivation, and you may follow the steps reflected in the application should you wish to continue utilising the Feature. In the event where no action is taken, this Feature shall be deactivated without further reference to you.  

For the avoidance of doubt, please note that all points and/or rewards accumulated prior to the deactivation of the Feature will not be replaced if your Feature is terminated due to inactivity.    

In the event of the deletion/termination of your Programme membership, all data including but not limited to your profile, steps history, rewards and challenges shall be removed from the Mobile App and Manulife’s database.  

Manulife reserves the right to terminate this programme without prior notification to you. 

These Terms are accurate as at the date below. These Terms will be updated if there are any changes to this Programme without prior notification to you.

Please refer to www.manulifemove.sg  for the latest Terms of this Programme. You confirm that you have read and agreed to the latest Terms at all points of time during your Programme membership.

By participating in the Programme, you consent to being contacted for feedback regarding the Programme and/or related activities.

Manulife reserves the right to abolish, grant, refuse, terminate or amend the membership of any user or the Programme at any point of time, for any reason whatsoever. All decisions made are final.

A person who is not a party of these Terms has no right under the Contracts (Rights of Third Parties) Act 2001 to enforce any the terms mentioned herein.

These Terms will be governed by the laws of the Republic of Singapore and the parties agree to submit to the exclusive jurisdiction of the courts in the Republic of Singapore.

For any other information or assistance you may email Us at MOVESG@manulife.com.

In addition to these Terms, any personal information submitted to us using the ManulifeMove application will be subject to our Statement of Personal Data Protection.

Disclaimer: The information and material mentioned herein are provided on an "as is" and "as available" basis and no warranty as to the accuracy, adequacy, completeness or reasonableness of the information and material mentioned herein is deemed to be made by Manulife and/or its holding company and/or its subsidiaries. Whilst Manulife, endeavors to ensure that the contents of the material are accurate, errors or omissions may occur and Manulife expressly disclaims liability for any errors or omissions in or from such information and materials.

Date last updated: 12 Dec 2023

The following section is applicable to employees of Manulife Bermuda only.

Terms & Conditions

Part I: Conditions of Use

By downloading and installing the ManulifeMOVE program ("ManulifeMOVE") Mobile App, you acknowledge and provide your consent to be unconditionally bound by the following Conditions of Use ("Conditions") and the Employee Personal Information Privacy Statement ("Notice"), including any future changes without limitation or qualification. Please read these Conditions and Notice carefully before using the Mobile App. These Conditions and Notice may be revised at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the current Conditions and Notice to which you are bound.

1. DEFINITIONS

The "Mobile App" shall mean the software provided by Manulife Financial Corporation, which includes its subsidiaries and affiliates ("Manulife"), of which The Manufacturers Life Insurance Company (Bermuda Branch), hereinafter also referred to as "Manulife Bermuda" is included, to offer services related to ManulifeMOVE program ("ManulifeMOVE") administered and offered by Manulife, to be used on Apple iOS or Android OS devices and any upgrades from time to time and any other software or documentation which enables the use of the Mobile App.

2. ManulifeMOVE

The Mobile App allows you to access certain functionalities available on the ManulifeMOVE website. Such access will be governed by the Manulife Public Website Terms of Use.

3. PROPRIETARY RIGHTS AND LICENCE

3.1. All intellectual property rights (including trademarks, service marks, trade names, company names, logos, icons, slogans, copyrights, domain names, patents, design rights, utility models, database rights, know-how, trade secrets and all other intellectual or industrial property rights including, where such rights are obtained or enhanced by registration, any registration of such rights (including the right to apply for such registrations) and Mobile Apps therefore (including the right to claim priority) relating to this Mobile App or the contents of this Mobile App are the property of, or licensed to, Manulife Bermuda and/or their associated companies. Other than as expressly set out in these terms and except as permitted by applicable law, nothing contained in the Mobile App should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of such intellectual property rights without the written express permission of Manulife Bermuda or the relevant licensors or owners of such intellectual property rights. Your use of such intellectual property rights, or any other content on this website, except as provided herein, is strictly prohibited.

3.2. Manulife Bermuda hereby grants you a worldwide, non-exclusive, royalty-free revocable license to use the Mobile App only for your personal, non-commercial use in accordance with these Mobile App terms and Conditions and Notice. No other rights to the Mobile App are granted. All rights, including intellectual property rights in the software, remain the property of Manulife Bermuda or the relevant licensors or owners of the software and, except as permitted by law, you may not reverse engineer, decompile, modify, or tamper with the software.

4. CONDITIONS OF USE

4.1. You will not, nor allow third parties on your behalf to:

(i) make and distribute copies of the Mobile App

(ii) attempt to copy, reproduce, alter, modify, reverse engineer, disassemble, decompile, transfer, exchange, or translate the Mobile App; or

(iii) create derivative works of the Mobile App of any kind whatsoever.

4.2. The Mobile App is currently made available to you free of charge for your personal, non-commercial use. Manulife Bermuda reserve the right to amend or withdraw the Mobile App, or charge for the Mobile App or service provided to you in accordance with these terms and Conditions and the Notice, at any time and for any reason.

4.3. The Mobile App is free, but there may be charges incurred from your telecom service providers for data connection, data download, data rate plans, or roaming. You are responsible for any mobile data subscription and data transfer and other data costs, roaming charges or other fees that may be charged by your network service provider.

4.4. If you are not the bill payer for the mobile telephone or handheld device being used to access the Mobile App, you will be assumed to have received permission from the bill payer for using the Mobile App.

4.5. Manulife Bermuda are not responsible for any services through which you access the Mobile App or for any loss you may suffer as a result of you using such a service. You must comply with all the terms and conditions of such a service and pay all the charges connected with it. We recommend you to contact your network service provider for information about data transmission and other network service charges.

4.6. You are entirely responsible for maintaining the confidentiality of your own passwords and account details. You are also entirely responsible for any activity records that occur under your account, regardless as to whether such records were made with or without your knowledge or authority. Manulife Bermuda shall not be liable for any damage, loss, or other liability incurred by you arising from any records of any kind whatsoever resulting from the unauthorised use of accounts and passwords by any third parties. However, you may be held liable for any damage, loss, or other liability incurred by Manulife Bermuda for any wrongful use of your account and/or password. You shall report to Manulife Bermuda immediately if you know or have reason to suspect that the security of your password and/or account may have been compromised or used by another person without authority.

The activity records maintained through the Mobile App shall be accepted as conclusive and binding for all purposes. Your use of your account and/or password to access or use this Mobile App will be recognized as your electronic signature and will be legally binding. You accept that electronic records will be admissible as original documents in any court of law and agree that you will not challenge or dispute the accuracy or authenticity of such records.

4.7. You acknowledge, understand and agree with the Manulife Bermuda Privacy Policy for employees.

4.8. You acknowledge and understand that the benefits related to ManulifeMOVE will be based on the data displayed on the Mobile App. In the event of inconsistencies of activity data between the Mobile App and other publicly available health apps, the activity data displayed on the Mobile App will prevail for all benefit computations.

4.9. You acknowledge the need to synchronise the Mobile App with your handheld mobile device at least once every two weeks. Manulife Bermuda will not be liable for the loss or inconsistency of activity data arising due to failure to synchronise the Mobile App in a regular manner.

5. INDEMNITY

5.1. You hereby agree to fully indemnify, defend, and hold harmless Manulife Bermuda from and against any and all damages, losses, liabilities, costs, and expenses (including full legal costs on a solicitor-client basis) suffered by Manulife Bermuda arising from or in connection with:

(i) your access to or use of this Mobile App, including your submission of any material through this Mobile App;

(ii) any other party's access to or use of this Mobile App using your account and/or password; or

(iii) your breach of any of these terms and Conditions;

(iv) any other party's breach of any of these terms and Conditions where such party was able to access or use this Mobile App using your account and/or password.

5.2. You expressly agree to release Manulife Bermuda (the "Released Parties") from any and all liability connected with your activities as recorded through the Mobile App and promise not to sue the Released Parties for any claims, actions, injuries, damages, or losses associated with your activities. You also agree that in no event shall the Released Parties be liable to you or any third party for any direct, indirect, punitive, incidental, special, or consequential damages arising out of or in any way connected with:

(a) your use or misuse of the services,

(b) your use or misuse of equipment or programs created by us while engaged in your activities,

(c) your dealings with third-party service providers or advertisers available through the Mobile App,

(d) any delay or inability to use the Mobile App experienced by you, or

(e) any information, software, products, services, or content obtained through the Mobile App, whether based on contract, tort, strict liability or otherwise, even if we have been advised of the possibility of damages.

6. AVAILABILITY

6.1. This Mobile App is available to handheld mobile devices running Apple iOS and Android OS operating systems. Manulife Bermuda will use reasonable efforts to make the Mobile App available at all times. However, you acknowledge that the Mobile App is provided over the internet and mobile networks and so the quality and availability of the Mobile App may be affected by factors outside Manulife Bermuda's reasonable control.

6.2. We do not warrant or make any representations of any kind, either expressed or implied, as to the security of this Mobile App, nor do we warrant that functions or materials accessible from or contained in this Mobile App will work uninterrupted or error-free, that defects will be corrected, or that this Mobile App is free from viruses or other harmful elements. 

7. SYSTEM REQUIREMENTS

7.1. In order to use the Mobile App, you are required to have a compatible mobile telephone or handheld device, internet access, and the necessary minimum specifications ("Software Requirements").

7.2. The Software Requirements are as follows: Apple iOS devices running iOS 11 or above, and Android OS devices running Android OS 5 and up; Language: English

7.3. The version of the Mobile App software may be upgraded from time to time to add support for new functions and services.

8. TERMINATION

8.1. Manulife Bermuda may change the format and content of this Mobile App at any time. We may suspend the operation of this Mobile App for support or maintenance work in order to update the contract or for any other reason. We have the right to terminate access to this Mobile App at any time and without notice.

8.2. Upon any termination:

(a) the rights and licenses granted to you herein shall terminate;

(b) you must cease all use of the Mobile App.

9. GENERAL

The invalidity, unlawfulness, or unenforceability of any provision in these terms in any respect under applicable law shall not affect the validity, legality, or enforceability of the remaining provisions hereof. Manulife Bermuda intend to provide the Mobile App and its content to users for use in the Bermuda only.

These terms are governed by the laws of the Republic of the Bermuda and the parties agree to submit to the exclusive jurisdiction of the courts of the Bermuda.

Part II: Employee Personal Information Privacy Statement

Definitions

For the purpose of this Privacy Statement:

• "Mobile App" means the ManulifeMOVE software used on all devices, including any updated versions time and any other software or documentation which enables the use of the Mobile App
• "Manulife” and "our company" shall mean Manulife Financial Corporation and its subsidiaries and affiliates, of which The Manufacturers Life Insurance Company (Bermuda Branch) is included
• "Users" of the Mobile App refer to any Manulife Bermuda staff
• "Staff" means all employees, contractors, and part-time workers employed by Manulife Bermuda
• "Personal Information" means any and all Personal Data, which includes personal information and sensitive personal information, attached to the verification of a particular Staff
• "Privacy Statement" means this Personal Information Privacy Statement
• "Personal Data Subject" means the individual who is verified from such Personal Information

Please Read Carefully – This contains important information about Privacy

Manulife, John Hancock, and its subsidiaries and affiliates around the world in this Personal Information Privacy Statement are committed to protecting the privacy and security of all personal information in our care. This Privacy Statement explains our company's Personal Information handling practices and applies to any Personal Information that we obtain about Staff during their employment.

We encourage Staff to read this Privacy Statement and Manulife's Statement of Corporate Privacy Principles before providing any Personal Information to us.

We will collect, use, process, store, disclose and access Staff's Personal Information in accordance with this Privacy Statement, and always in fair and legal ways.

What information we collect about Staff    

We only collect Personal Information about Staff that we require for the purposes identified below.  

We may collect any of the following types of Personal Information:

• Identifiers such as: Manulife email address, age, gender, height, weight, photo images, and biometric identification data including fingerprints, face ID, and iris recognition;
• Challenge participation information such as: number of steps, active calories burnt, active calories history, and daily activity;
• Geolocation details;
• Other information required for regulatory, legal, and business reasons.

Personal Information does not include anonymous or de-identified data.

How we use and disclose Staff's Personal Information

We only use Staff's Personal Information where applicable law permits or requires it in connection with carrying out our Mobile App objectives and in accordance with the principles below:

1. Manulife will only use or disclose Staff's Personal Information for specified purposes in the ManulifeMOVE app, including for the Daily Activity Card, which includes active calories burnt and active calories history, identity verification, and challenge participation where the health score calculation and reward generation are done inside the ManulifeMOVE app through automated decision making or automated data processing, as well as other purposes that the Staff allows, or as required or permitted by laws and regulations;
2. Manulife will keep Users' Personal Information only as long as necessary to fulfil the purposes for which the information was collected or as required or permitted by applicable laws and regulations.

Manulife intends to store documents of Staff's Personal Information as accurately as possible as needed to fulfil the purpose of its use.

How we safeguard Staff's Personal Information

We take the security of Staff's Personal Information seriously. We protect Staff's Personal Information with security safeguards that are appropriate to the sensitivity of the information, and designed to prevent unauthorised access, release, modification, or use.

How long we keep Staff's Personal Information

Staff's Personal Information will be kept only as long as their Mobile App account remains open and the Staff has not requested in the Mobile App for deletion of the Mobile App and the Staff's Personal Information inside the Mobile App or as required by law or regulation. In case of Mobile App account and Personal Information deletion, the Staff will no longer be able to log in to the Mobile App. The requested data deletion will occur on a quarterly basis or within 90 days from date of request for deletion in the Mobile App. In case of termination, the Manulife "Staff" status will be deleted and they can continue to use the Mobile App as a public user. 

How we transfer Staff's Personal Information across borders

Where permitted by applicable law, we may transfer Staff's Personal Information outside of their home country, and we will ensure a similar degree of protection is afforded to it by implementing one of the following appropriate safeguards:

• We will transfer Staff's Personal Information to countries that have been deemed by the applicable government or governing body to provide an adequate level of protection for personal data.
• We will use an agreement in a form approved by the applicable government or governing body to give Personal Information the same protection it has in Staff's home country.

Staff's rights

We make all reasonable efforts to ensure that the Personal Information we collect, and store is as correct, complete, and up to date as it needs to be for its intended use.

We will rely on staff to give us accurate information and to let us know about any changes.

In certain circumstances and depending on which privacy laws apply, Staff may have the right to ask to see his Personal Information, request its correction or deletion, check that it is being lawfully processed, request transfer of their information to another party, or object to or request restriction of its processing. 

In a situation where Staff have provided consent, they may withdraw such consent. Once we have received notification that a Staff member has withdrawn their consent, we will no longer use Staff's information for that purpose, unless we have another legal basis for doing so.

If Staff would like to exercise their rights in relation to their Personal Information, they can send a request to Asia_move_staff@manulife.com.

Inquiries/Contact

If Staff have any questions or concerns about our privacy practices, or related policies and procedures, please send an email to Asia_move_staff@manulife.com.

User agreement

Manulife is committed to ensuring that all Personal Information provided through the Mobile App is handled in accordance with the relevant provisions of the Privacy Policy of Manulife and the relevant privacy laws and regulations of the Bermuda.

I hereby acknowledge that I have read, understood, and consented to all contents in the Conditions of Use and the Employee Personal Information Privacy Statement.