Legal Please carefully read this agreement before you use this Web site. If you agree with the following conditions of use, please continue. Information has been organized under the following headings: General Notices and Conditions Site content Use of the site Security Trademarks Governing Laws Privacy Site content The information contained on the pages of this site is subject to modification and update from time to time without notice. Manulife New York cannot guarantee or ensure either the accuracy, completeness or authenticity of any site content, site functionality, or your transmission of any site content from the site to you. Certain aspects of the site have been prepared by persons other than Manulife New York and 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, identifications of any person or entity in the site, or any hypertext link to another person or entity shall not, in any manner, be construed as an endorsement of such person's or entity's World Wide Web site, products, services or contributions to the site. Other World Wide Web sites that 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, in any manner, be construed as an endorsement by Manulife New York 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 any financial, insurance, legal, accounting, or tax advice, and shall not be relied upon by you in that regard. Manulife New York's products and services are available only in jurisdictions where they may be lawfully offered for sale, and not all Manulife New York products and services are available in all geographic regions. All Manulife New York products and services shall be subject to the terms and conditions of any applicable agreements. You agree that your use of the site shall be on an "as is" basis entirely at your risk. Neither Manulife New York, nor any of its affiliated companies, nor any officer, director, or employee thereof, nor 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 New York 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 Manulife New York 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. Security 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 New York 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. Information provided by you through our Web Site is used for Manulife New York business purposes only in order to service your needs as a customer. Manulife New York may use "cookie" or related technology in order to track usage of the Site, and to improve our service to you. Trademarks Manulife and the block design are registered service marks and trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates, including Manulife Financial Corporation. Venture® is a registered service mark of The Manufacturers Life Insurance Company (U.S.A.) and is used under license by The Manufacturers Life Insurance Company of New York. Enduring promisesm is a service mark of The Manufacturers Life Insurance Company (U.S.A.) and is used under license by The Manufacturers Life Insurance Company of New York. Copyright©, 2001-2002 The Manufacturers Life Insurance Company of New York. All rights reserved. Governing Laws The laws of the State of New York and the federal laws of the United States applicable therein shall govern as to the interpretation, validity and effect of this Agreement and any use of the site. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the State of New York in any action or proceeding instituted under or related to this Agreement or your use of the site.