Disclaimers
Trademark disclosure:
Manulife Securities and the block design are registered service marks and trade marks of The Manufacturers Life Insurance Company and are used by it and its affiliates including Manulife Securities Investment Services Inc.
Mutual Funds (no performance data):
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.
Website/Canadian Residency Disclaimer:
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.
Link Disclaimer:
Link to Third Party Website [Insert name of Manulife Securities Advisor] and [insert Manulife Securities Incorporated or Manulife Securities Investment Services Inc. and/or Manulife Securities Insurance Inc.] (“Manulife Securities”) do 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 not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of [Insert name of Manulife Securities Advisor] or Manulife Securities. The information in this communication is subject to change without notice.
Privacy Disclaimer
A number of Advisors have inquired about the impact privacy legislation will have on their marketing efforts. PIPEDA applies to marketing activity only at the time you begin to collect personal information from your clients or prospects. Therefore the use of a privacy disclaimer on sales communications is generally unnecessary. However, if you prefer to include a disclaimer for a particular document we ask that you use the following: [Insert Manulife Securities Incorporated or Manulife Securities Investment Services Inc. and/or Manulife Securities Insurance Inc.] is committed to protecting your privacy and the confidentiality of your personal information. A copy of our privacy policy is available upon request. If you have any questions about this policy, please call us at 1-800-991-2121.
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 fund.
Calculator:
This calculator is 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. I (we) do not guarantee that this calculator is reliable, accurate or complete or that it will be compatible with your computer.
OBA Disclaimer
Manulife Securities Investment Services Inc.:
Manulife Securities Investment Services Inc. is registered as a Mutual Fund Dealer, or its equivalent, with the provincial securities commissions and as such our Advisors are entitled to sell mutual funds and other approved securities as permitted under our registration. They may also be able to provide other services or products to you through their own business. As a member of the Mutual Fund Dealers Association of Canada ("MFDA"), Manulife Securities Investment Services Inc. is obligated to disclose to you that you may be dealing with companies other than Manulife Securities Investment Services Inc. when purchasing services or products from your Associate (remuneration to your Associate may also come from various sources depending on the services or products purchased). For example, your Associate may offer any one or more of the following through a separate business, which would not be the responsibility of Manulife Securities Investment Services Inc.:
- Deposit Instruments: GICs, Canada Savings Bonds;
- Fee for Service Financial Planning;
- Estate Planning;
- Tax Planning or Income Tax Preparation;
- Insurance: Life, Accident, Sickness, Disability, General.
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.
Manulife Securities Investment Services Inc. is a Member MFDA IPC
