Personal Information Statement for employers' Group Benefits plans

At Manulife¹,protecting your personal information and respecting your privacy is important to us.

Why do we collect, use, and disclose your personal information?

For the purposes of establishing and managing our relationship with you, providing you with products and services, administering our business, and complying with legal and regulatory requirements.

What personal information do we collect?

Depending on the product or service, we collect specific personal information about you, such as:

Identifying information such as your name, address, telephone number(s), email address, date of birth, driver’s license, passport number or Social Insurance Number (SIN)
Financial information, investigative reports, credit bureau report, or a consumer report
Information about how you use our products and services, and information about your preferences, demographics, and interests
Banking and employment information
Medical and health information from you or from any organization or person with information about you
Any test that may be necessary for underwriting purposes
Other personal information that we may require to administer your products or services and manage our relationship with you

We use fair and lawful means to collect your personal information.

Where do we collect your personal information from?

Depending on the product or service, we collect personal information from:

Your completed applications and forms
Other interactions between you and us
Other sources, such as:
Your advisor or authorized representative(s)
Third parties with whom we deal in issuing and administering your products or services now and in the future
Public sources, such as government agencies, credit bureaus and internet sites
Financial institutions
Insurance and reinsurance companies with whom you have or have had products or services
Your employer or Plan Sponsor and their authorized agents, consultants and plan service providers
Health care professionals, including medical practitioners, health care institutions, pharmacies and any other medically-related facilities

What do we use your personal information for?

Depending on the product or service, we will use your personal information to:

Administer the products and services that we provide and manage our relationship with you
Confirm your identity and the accuracy of the information you provide
Evaluate your application
Comply with legal and regulatory requirements
Understand more about you and how you like to do business with us
Analyze data to help us make decisions and understand our customers better so we can improve the products and services we provide
Perform audits, and investigations and help protect you from fraud
Determine your eligibility for, and provide you with details of, other products and services that may be of interest to you
Automate processing to help us make decisions about your interactions with us, such as applications, approvals, or declines

Who do we disclose your personal information to?

Depending on the product or service, we disclose your personal information to:

Persons, financial institutions, reinsurers, and other parties with whom we deal with in issuing and administering your product or service now and in the future
Authorized employees, agents and representatives
Your advisor and any agency that has entered into an agreement with us and has supervisory authority, directly or indirectly, over your advisor, and their employees
Your employer or Plan Sponsor and their authorized agents, consultants and plan service providers
Any person or organization to whom you gave consent
People who are legally authorized to view your personal information
Service providers who require this information to perform their services for us (for example, data processing, programming, data storage, market research, printing and distribution services, paramedical and investigative agencies)
Your doctor
Public health authorities, as required

Except where there are contractual restrictions, these people, organizations and service providers are both within Canada and outside of Canada. Therefore, your personal information may be subject to interprovincial or cross-border transfers in order to provide services to you and subject to the laws of those jurisdictions.

Where personal information is provided to our service providers, we require them to protect the information in a manner that is consistent with our privacy policies and practices.

Withdrawing your consent

You may withdraw your consent for us to use your personal information for certain uses, subject to legal and contractual restrictions.

You may not withdraw your consent for us to collect, use, or disclose personal information we need to issue or administer your products and services. If you do so, we may not be able to provide you with the products or services requested or we may treat your withdrawal of consent as a request to terminate or a refusal of the product or service.

If you wish to withdraw your consent, phone our customer service centre at 1-800-268-6195 or write to the Privacy Officer at the address below.

Accuracy

You will notify us of any change to your contact information. If your information has changed, or if you need to make a correction of any inaccuracies to your personal information in our files, you may phone our customer service centre at 1-800-268-6195, or write to the Privacy Officer at the address below.

Access

You have the right to access and verify your personal information maintained in our files and to request any factually inaccurate personal information be corrected, if appropriate. Requests can be sent to: Privacy Officer Manulife, P.O. Box 1602, Del Stn 500-4-A, Waterloo, Ontario N2J 4C6 or Canada_Privacy@manulife.ca

For more information, you can review our Canadian Privacy Policy. Please note the security of email communication cannot be guaranteed. Do not send us information of a private or confidential nature by email.

¹ Manulife, “we”, “us”, and “our” refer to The Manufacturers Life Insurance Company — Canadian Division operations, Manulife Wealth Inc., Manulife Wealth Investment Services Inc., Manulife Wealth Insurance Services Inc., Manulife Asset Management Limited, Manulife Assurance Company of Canada, First North American Insurance Company, Manulife Bank of Canada, and affiliates of these entities.