Home > Legal

Disclaimers

Site Content

This website has been prepared to provide information on the products and services offered by Manulife Securities Incorporated, Manulife Securities Investment Services Inc. and Manulife Securities Insurance Inc. (“Manulife Securities”). The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any jurisdiction in which Manulife Securities or its Advisors are not appropriately licensed or registered or where any product or service is not eligible for sale. Details are available on request.

Information on this website will be subject to change without notice. Manulife Securities will endeavor to ensure information is accurate and updated, but will not be held liable for inaccuracies in the information presented. Investors are responsible to ensure that they are appropriate information about any securities, insurance, taxation or other legislation that could affect them personally.

The contents of this website is for informational purposes only and is not intended to provide financial, insurance, legal, accounting or tax advice, and shall not be relied upon by you in that regard.

Third Party Content and Third Party Links

Manulife Securities does not make any representation that the information in any linked site is accurate and will not accept any responsibility or liability for any inaccuracies in the information or content of any linked site. Any opinion or advice expressed in a linked site, including the opinion of a Manulife Securities Advisor, should not be construed as, and may not reflect, the opinion or advice of Manulife Securities.

Intellectual Property

Manulife, Manulife Financial, Manulife Securities, the Manulife Securities For Your Future logo, the Block Design, the Four Cubes Design, and Strong Reliable Trustworthy Forward-thinking are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.

Product Disclaimers

Mutual Funds

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. The payment of distributions from an income trust mutual fund should not be confused with a fund's performance, rate of return, or yield. If distributions paid by the fund are greater than the performance of the fund, then your original investment will shrink. Distributions paid as a result of capital gains realized by a fund and income and dividends earned by a fund are taxable in your hands in the year they are paid. Your adjusted cost base will be reduced by the amount of any returns of capital. If your adjusted cost base goes below zero, then you will have to pay capital gains tax on the amount below zero.

The rate of return, mathematical table or illustration shown is used only to illustrate the effects of the compound growth rate and is not intended to reflect future values of the mutual fund or asset allocation service, or returns on an investment in the mutual fund or from the use of the asset allocation service

Labour-Sponsored Fund

Labour-sponsored investment funds (LSIFs) are not guaranteed, their value changes frequently and past performance may not be repeated. Availability and amounts of tax credits are subject to certain conditions and limitations and are subject to repayment if shares are not held for eight years.

Segregated Funds

Subject to any applicable death and maturity guarantee, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of the assets in the segregated funds.

Leverage Risk

Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by the loan’s terms remains the same even if the value of the securities purchased declines.

Investments in Limited Partnerships

There are a number of risks associated with an investment. Investors should refer to each Partnership's offering documents for details. Important information about this offering is contained in the prospectus relating to this offering, a copy of which should be obtained from the agents or the offices of designated subagents. You should review the prospectus carefully, and consult your Advisors, including tax Advisors, before making an investment decision. This material does not constitute an offer to sell or a solicitation to buy any security. Such an offer can only be made by prospectus.

Investment Calculations

Any financial calculators used in this website are for illustrative purposes only and should not be relied upon as an accurate indication of your financial retirement needs. As each individual's situation is different and changes over time, the results are limited by the accuracy of the assumptions you make in providing the information used in the calculation. We do not guarantee that this calculator is reliable, accurate or complete or that it will be compatible with your computer.

Manulife Securities Incorporated

Manulife Securities Incorporated is a Member of the Canadian Investor Protection Fund (“CIPF”). To learn more about the IPC, please contact your advisor or visit www.cipf.ca.

 

Member of the Canadian Investor Protection Fund (“CIPF”)

 

Manulife Securities Investment Services Inc.

Manulife Securities Investment Services Inc. is a Member of the MFDA IPC (excluding Quebec) (“IPC”). To learn more about the IPC, please contact your advisor or visit the MFDA’s website at www.mfda.ca.

Manulife Securities Insurance Inc.

Manulife Securities Insurance Inc. carries on business in British Columbia as Manulife Securities Insurance Agency.

Insurance products and services that are offered through Manulife Securities Insurance Inc. (a licensed life insurance agency and affiliate of Manulife Securities) are offered by Manulife Securities Advisors licensed as life agents. Insurance products and services may also be offered to you through companies other than Manulife Securities Insurance Inc. Please be sure that you have a clear understanding of which company you are dealing with for each of your services and products. Your Associate would be happy to provide any clarification you require.