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This Website (the “Site”) and its content are proprietary to Manulife Bank of Canada (“Manulife Bank”) and Manulife Trust Company ("Manulife Trust"). If you wish to access and use the content on this Site, you must accept and agree to be bound by and comply with these terms (the "Terms"). If you do not agree to these Terms, then you must refrain from accessing or using the Site. All Terms will apply irrespective of the specific use made by Internet users of this Site.

Manulife Bank is a Schedule l federally chartered bank and a wholly-owned subsidiary of Manulife Financial, one of Canada's largest and most respected financial institutions. Manulife Trust is a federally chartered trust company licensed to do business in all Canadian provinces and territories. Established in 2010, it is a wholly-owned subsidiary of Manulife Bank. Manulife Bank and Manulife Trust are members of the Canada Deposit Insurance Corporation. Collectively, Manulife Bank and Manulife Trust are referred to in these Terms as “Manulife Bank and Trust”.

General Notices and Conditions

 Site content

The content contained on the pages of this Site is provided for informational purposes only and is subject to modification and update from time to time without notice. Without limiting the generality of the foregoing, any references to interest rates offered by Manulife Bank and Trust on this Site are provided for illustration purposes and are subject to change without notice. Manulife Bank and Trust does not guarantee or ensure the accuracy, completeness, currency or authenticity of any Site content, Site functionality, or your transmission of any Site content from the Site to you.

Manulife Bank and Trust is not responsible for, and makes no representations or warranties concerning, the availability, accuracy, security and privacy of external websites, which are used at your own risk. Certain aspects of the Site may have been prepared by persons independent from Manulife Bank and Trust. Other World Wide Web sites that may be accessed from this Site by hypertext links are entirely independent of the Site. The inclusion of any site acknowledgments, identification of any person or entity in the Site, or any hypertext link to another person or entity shall not be construed as an endorsement of such person or entity, or such person's or entity's World Wide Web site, products, services, or contributions to the Site. Manulife Bank and Trust does not endorse the content or sponsor of any externally linked websites.

Other World Wide Web sites which may provide access to this Site by hypertext links are entirely independent of this Site. Any direction by a third party to this Site shall not be construed as an endorsement by Manulife Bank and Trust of such party’s World Wide Web site, products or services.

 Use of the Site

The Site does not, and it is not intended to, provide advice of any kind, including financial, insurance, legal, accounting, or tax advice, and shall not be relied upon by you in that regard. You are responsible for ensuring that you are appropriately informed about any securities, taxation or other legislation or law that could affect your banking and investment decisions.

None of the content in this Site shall be construed by you to be a commitment from Manulife Bank and Trust to deliver any Manulife Bank and Trust product, and nothing in this Site may be incorporated into any contract or agreement with Manulife Bank and Trust. All Manulife Bank and Trust products and services shall be subject to the terms and conditions of any applicable agreements between you and Manulife Bank and Trust, and this Site makes no modifications, representations, warranties, terms, undertakings or collateral agreements expressed or implied, in respect of any such agreement between you and Manulife Bank and Trust.

Although Manulife Bank and Trust serves clients across Canada in all provinces and territories, some of Manulife Bank and Trust's products and services are available only in jurisdictions where they may be lawfully offered for sale, and not all Manulife Bank and Trust products and services are available in all geographic regions.

You agree that your use of the Site shall be on an "as is" basis entirely at your risk. You also agree that none of Manulife Bank and Trust, its affiliated companies, officers, directors, or employees, or 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. Without limiting the foregoing, Manulife Bank and Trust shall not be responsible for any detrimental reliance that you may place upon the Site or its contents whatsoever.

The Site shall not be used, or relied upon by you, as a substitute for your independent research or professional advice that is provided to you in direct consultation with a professional financial advisor or other representative.

If you would like further information concerning Site contents or you wish permission to use, to reproduce, or to republish any Site contents, please click here.


You acknowledge and confirm that the Internet is not a secure medium where privacy can be ensured, and that complete security and confidentiality over the Internet is not possible at this time. Your confidential use of the Site cannot be guaranteed and you acknowledge that your use of the Site (including information you transmit to the Site) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimer herein, Manulife Bank and Trust shall not be responsible or liable for any harm that you or any other person may suffer in connection with any such breach of confidentiality or security.


Subject to the section on Security above, Manulife Bank and Trust uses information provided by you through this Site for Manulife Bank and Trust business purposes only in order to service your needs as a customer.

Manulife Bank and Trust may use "cookies" or related technology in order to track your usage of the Site, and in order to improve our service to you.  

 Intellectual Property Notice

All names, phrases, logos, icons, graphics, images or designs used throughout the Site may be trade names, registered or unregistered trademarks or services marks ("Trademarks") of The Manufacturers Life Insurance Company, and are used by it, and by its subsidiaries or affiliates, including Manulife Bank and Trust, under license. The display of Trademarks on this Site is not an implied license to any third party for use of the Trademarks.

All information on this Site is protected under copyright laws. No one has permission to copy, redistribute, reproduce or republish any information found on this Site, which includes uploading or downloading without the prior written consent of Manulife Bank and Trust.

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.

 Governing laws

The laws of the Province of Ontario and the federal laws of Canada applicable therein shall govern as to the interpretation, validity and effect of these Terms and any use of the Site. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of Ontario in any action or proceeding instituted under or related to these Terms or your use of the Site.



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