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Term of Use

In these terms, "you" and "your" means the customer (whether individual or corporate), and (where the context so requires) includes any user authorised by you. "We", "us" and "ours" means Manulife (Singapore) Pte. Ltd., including its successors and assigns. By using this website and/or any mobile applications (collectively referred to as “Sites”), you agree to be bound by the following terms including any future changes, without limitation or qualification. “Sites” include websites produced or managed by third parties, to which access is granted to you through a secure sign on mechanism on our Site. Please read these terms carefully before using this website.


In addition to the terms as set out herein, there may be separate terms and conditions that apply if you access other pages or follow links from this website (“Additional Terms and Conditions”). It is your responsibility to read and understand the Additional Terms and Conditions where applicable.

These terms and the Additional Terms and Conditions may be revised at any time without prior notice. You hereby understand, acknowledge, and agree to be bound by the terms any such revisions and should therefore periodically visit this page and/or other relevant pages to review the then current terms to which you are bound. If you do not agree with these terms, please exit this website.

1. Alert Service

You will automatically be enrolled in the Alerts ("Alert") service subject to the type of Manulife policy being in force and your notification preference. Alert notifications will be sent via Short Message Service ("SMS") or email to you at our discretion based on pre­determined criteria.

The SMS Alert service is subject to the terms of your agreement with your mobile phone service provider. You shall ensure that your mobile phone number is able to receive SMS both in Singapore and overseas, and you shall be responsible for any fee imposed by your respective mobile phone service provider. You shall also update us your latest mobile phone number and email address with us.

Each Alert is not encrypted and may include details pertaining to your transaction(s). You are responsible for the security of your mobile phone and any other electronic devices. We shall not be liable in any way to any party should any Alert be viewed or accessed by persons other than you.

2. Use of the Website

We authorise you to use the Sites for convenience and for the purpose of transacting business with, or participating in programs with us, where applicable.

As a condition of your use of the Sites, you warrant to us that you will not use the Sites for any purpose that is unlawful or prohibited by the Terms. You may not use the Sites in any manner which could damage, disable, overburden, or impair the Sites or interfere with any other party's use of the Sites.

We may at any time without notice to you (a) determine and vary the frequency and manner of use of the Sites  , transaction limits, operating hours, types of facilities and services available through the Sites. You will be responsible for all transactions made by the use or purported use of the Sites by any person, with or without your authority, knowledge or consent, and may not claim against us in respect of any such use or purported use.

You shall assume full responsibility and risk each time you access this website, and view or print any portion of the information available to you on the Sites and/or each time you use any of our online facilities.

3. Disclaimer

To the fullest extent permissible pursuant to applicable law: (1) the information and materials on this website are provided "as is" and without warranties of any kind whether express, implied, statutory or otherwise, and Manulife disclaim all warranties, whether express, implied, statutory or otherwise, including, but not limited to, warranties of merchantability, satisfactory quality and fitness for a particular purpose, title and non­-infringement of third party rights; (2) Manulife does not warrant that the website or the functions contained in the materials will be uninterrupted or error­free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components; and (3) Manulife does not warrant or make any representations regarding the use or the results of the use of the information and/or materials on this website in terms of their correctness, accuracy, reliability, adequacy, completeness or otherwise. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes. For complete details please refer to the actual policy or the relevant product or services agreement. Nothing on this website shall constitute or be construed as legal liability, undertaking or admission by Manulife in any way.

This website may be linked to other third party websites which are not maintained by Manulife. Manulife is not responsible for the availability, content or accuracy of other third party websites and does not make any warranty expressed or implied, with respect to the use of those third party websites. The inclusion of any link to such websites does not imply approval of or endorsement by Manulife of the websites or the content thereof. You acknowledge and agree that you access such websites at your own risk.

4. Exclusion and Limitation of Liability

You waive all rights that you may have to hold us responsible in connection with any other use of the Sites.

Based on the nature of internet transactions and related technology, you agree that these limitations of liability are fair and reasonable, and that we would not have permitted access to or use of the Sites by you if not for your agreement with the liability limitations and disclaimers set out herein.

While we shall use reasonable efforts to include accurate and up to date information on the Sites, errors or omissions may sometimes occur. To the fullest extent permissible under applicable law, we makes no warranties or representations as to the accuracy, adequacy or completeness of the content of the Sites and/or its materials and under no circumstances, including, but not limited to, negligence, shall we or any party involved in creating, producing, or delivering the Sites be liable to you for any direct, incidental, consequential, indirect, special or punitive damages, losses, liabilities, costs, expenses and/or consequences of whatsoever nature that result from or in connection with any access, the use of, or the inability to use, the materials on the Sites or reliance on the materials and/or any information on the Sites, any systems, server or connection failure, error, omission, interruption, delay in transmission, computer virus or any use of or access to any other websites linked to the Sites, even if we or our authorized representative has been advised of the possibility of such damages. To the fullest extent permissible under applicable law, in no event shall our total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing the Sites.

We also assume no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your electronic equipment or any other property as a result of your access to, use of, or browsing in the Sites or your downloading of any materials, data, text, images, video, or audio from this website.

5. Restrictions

We reserve the right, and our sole discretion, to terminate your access to any or all of the Sites and/or online facilities at any time, without any notice, for any reason whatsoever. We also reserve the right to disclose any information deemed necessary to comply with any applicable law, regulation or legal process, or to edit, remove, or refuse to post any information or materials at its sole discretion.

We neither warrant nor represent that your use of materials displayed on the Sites will not infringe rights of third parties.

You are entirely responsible for maintaining the confidentiality of your own passwords and account details. You are also entirely responsible for any transactions or activities that occur under your account, regardless as to whether such transactions or activities were made with or without your knowledge or authority. We shall not be liable for any damage, loss or other liability incurred by you arising from any transactions of any kind whatsoever resulting from the unauthorized use of accounts and passwords by any third parties. However, you may be held liable for any damage, loss or other liability incurred by us for any wrongful use of your account and/or password. You shall report to us 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.

6. Indemnity

You agree to fully indemnify, defend and hold harmless us from and against any and all damages, losses, liabilities, costs and expenses (including full legal costs on a solicitor­client basis) suffered by us arising from or in connection with: (i) your access to or use of the Sites and/or online facilities; (ii) any other party’s access to or use of this website and/or online facilities using your account and/or password; (iii) your breach of any of these terms; or (iv) any other party’s breach of any of these terms where such party was able to access or use this website and/or online facilities using your account and/or password.

7. Records of Transactions

Our own records of the transactions maintained through our computer systems or otherwise shall be accepted as conclusive and binding for all purposes. Your use of your account and/or password to access or use the Sites and/or online facilities including access to your policy records and our on­line services will be recognized as your electronic signature and will be legally binding.

In the absence of valid evidence of inaccuracy in our records, our records of your account are conclusive, and you agree to be bound by our records. In the event of a discrepancy between the information provided on the Sites and our recordkeeping system, the information on our recordkeeping system will prevail. You accept that electronic records will be admissible as primary evidence in any court of law and agree that you will not challenge or dispute the accuracy or authenticity of such records.

8. Communications

All notices or other communications given by us to you if:

a. sent by post or left at your last known address will be deemed to be received by you on the day following such posting or on the day when it was so left; or

b. communicated through any print or electronic media as we may select will be deemed to be notified to you on the date of publication or broadcast.

9. No Waiver

No failure or delay by us in exercising or enforcing any right or option under these terms shall operate as a waiver of it or limit, prejudice or impair our right to take any action or to exercise any right against any person or render us responsible for any loss or damage arising therefrom or in connection thereto.

10. Severability

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.

11. Jurisdictional Issues

Unless otherwise expressly set forth herein, we make no representation that materials on the Sites are appropriate or available for use in other location. Those who choose to access the Site do so on their own initiative and are responsible for compliance with local laws.

Except as expressly set forth herein the information contained on the Sites are not an offer to sell or a solicitation to buy any security, insurance product or other product or service by us. No security, insurance product or other product or service is offered or will be sold by us or, if sold by us, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions

12. Ownership of Information

Any information, other than personal data, that you transmit to us via the Sites, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non­confidential and non-proprietary and will become our property. Such information, other than personal data, may be used by us for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. We are free to use any ideas, concepts, know­how, or techniques contained in any communication you send to us via the Sites or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. To the fullest extent permitted by applicable law, you waive all applicable rights you may have in any information (other than personal data) you transmit to us via the Sites or otherwise.

Any personal data submitted to us using the Sites will be subject to our Statement of Personal Data Protection and the Personal Data Protection Act 2012.

Your policy records are confidential and we have taken steps to safeguard this confidentiality. However, your co­operation is required in order for the confidentiality of your policy records to be maintained. In particular, you are required to take the necessary precautionary measures to ensure that no unauthorised access is given to your policy records, your password and access to the Sites and/or online facilities. You must not allow anyone other than yourself access to these records. You agree to notify us immediately if you should suspect that your policy records have been accessed by an unauthorised person.

13. Intellectual Property

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, know­how, 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 applications therefor (including the right to claim priority)) relating to the Sites or the contents of the Sites are the property of, or licensed to, us. Other than as expressly set out in these terms and except as permitted by applicable law, nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of such intellectual property rights without our written express permission 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.

14. Security Reminder

While there is inherent risk in transmission of information over the Internet, we have implemented measures to reduce these risks. In order to safeguard and protect your privacy, please use up­to­date internet browsers and operating systems which are updated with current security patches.

15. Third Party Rights

A person who has not agreed to be bound by these terms shall have no right under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce any of the terms herein.

16. Personal Data Protection

We shall comply with the Singapore Personal Data Protection Act 2012 in respect of the collection, use, and disclosure of your personal data. In particular, we will ensure that:

(a) only fair, proper and legitimate means are employed to collect personal data;

(b) personal data collected and used is accurate;

(c) personal data is protected by appropriate safeguards and made available only to authorised persons; and

(d) you have the right to access and request correction of your personal data.

The consent that you provide for the collection, use and disclosure of your personal data will remain valid until such time it is being withdrawn by you in writing.

17. Governing Law and Jurisdiction

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

Date Last Updated: 7 October 2022