Last updated: July 2026

Manulife is committed to complying with applicable privacy legislation and protecting the personal information in our care. As an international provider of financial products and services operating in many countries around the globe, this Notice applies to all our operations world-wide and is supplemented in some instances by country specific privacy notices. 

We may update this Notice from time to time. This Notice is current as of the date which appears at the top of this page.  

How we collect Personal Information

• We generally collect personal information directly from you, through our websites and mobile applications and from other sources in compliance with applicable laws and as further detailed in our privacy notices.
• We are committed to only collecting personal information that is required for specific purposes such as, or related to, providing products and services, conducting business, and better understanding your needs, or where we are required or allowed by law. 
• The personal information we collect is limited to what is reasonably required to fulfil the purposes for which it was collected or information you voluntarily provide to us and may include your name, contact information, information about how you use our products and services, and information about your preferences, demographics, and interests. 
• We may also collect information when you visit our websites or use our mobile applications such as your IP address, information about your operating system, the time and duration of your visit to our sites, Internet locations you came from, and the web pages you visit within our sites in order to track usage and improve our websites and improve your experience.  For more information, review our Cookies Notice or our country specific privacy notices.

How we use and retain Personal Information

• We only use and retain your personal information for the purposes for which it’s collected, for other purposes you consent to, or when we are required or allowed by law.
• Depending on your relationship with us, we may use your personal information for purposes such as:
  • Delivering our products and services
  • Providing customer service and responding to inquiries or requests
  • Improving our products, services, and your interactions with us, including through the use of analytics, automation, and artificial intelligence tools, where allowed by law. This may include developing, testing, or improving such tools.
  • Fulfilling our legal, regulatory, and security obligations
  • Detecting and preventing fraud
  • Managing our business
  • Advertising, marketing, and providing personalized content and services
  • Understanding customers interests and needs
• We will keep your personal information only as long as is reasonably necessary to satisfy the purposes for which it was collected or as we are required or allowed by law. 
• We aim to keep our records of your personal information as accurate and up to date as is necessary to fulfill the purposes for which it is collected, used, and retained. We rely on you to give us accurate information and to let us know about any changes.

How we share Personal Information

• We only share your personal information for the purposes for which it’s collected, for other purposes you consent to, or when we are required or allowed by law. This may include sharing personal information with reinsurers, with our agents or representatives, within the Manulife group of companies or with our service providers.
• In some cases, and where allowed by law, your personal information may be shared, stored, accessed, or used in jurisdictions outside where it was collected and subject to the laws of those jurisdictions. 
• We are responsible for personal information in our possession, including information shared with service providers who perform duties on our behalf. When we share personal information with our service providers, we require them to protect it and handle it in ways that are consistent with our privacy notices, practices, and applicable laws.
• In some cases, where allowed by law or with your consent, we may share your information within the Manulife group of companies in order to provide you with offers for other products or services.  You may opt out of receiving those offers. 
• Where required by law, we may need to share certain personal information with regulators, government agencies, exchanges, self-regulatory organizations or law enforcement authorities.
• We do not share your personal information  with any organization outside our group of companies for the purpose of that organization marketing its own products or services to you, unless with your consent or where allowed by law.

How we safeguard Personal Information

• We are committed to protecting personal information with security safeguards that are appropriate to the sensitivity of the information, in order to protect it from unauthorized access, release, modification, or use.
• We are committed to handling personal information under our control with care. We have implemented physical, organizational, contractual, and technological security measures to protect your personal information and designated individuals who are responsible for monitoring our ongoing compliance with this Notice. 

Your Personal Information choices and rights

• Upon your written request, we will provide you with reasonable access to your personal information and a description of how it is used or shared, as required or permitted by law. You may also verify the accuracy and completeness of your information, and request that it be amended or deleted, if appropriate or permitted by law. 
• You may have additional privacy choices and rights depending on your products, services or location. 

If you would like more information about any additional privacy choices and rights you may have, or if you have questions, requests, or a complaint about the handling of personal information please follow the instructions provided in the privacy notice applicable to your specific location and /or product(s) or service(s).

Country specific information

In many countries in which we do business, the privacy principles described above are supplemented by more detailed privacy notices that reflect the requirements of those countries. Please refer to the links below for our privacy notices applicable to specific locations or products.