Legal Information

Signator Investors, Inc., powered by John Hancock Financial Network, is the retail distribution company of John Hancock Life Insurance Company, U.S.A., which is a wholly owned subsidiary of Canadian insurance company, Manulife Financial Corporation. Signator Investors is a national network of over 38 independent financial services firms across the United States. The network consists of more than 1,800 financial professionals and advisors. These professionals  and advisors work with individuals and businesses throughout the country in the areas of Insurance, Investments, Financial Planning, Estate Planning, and Retirement Planning.[Securities and Investment Advisory Services offered through Signator Investors, Inc., Member FINRASIPC, a Registered Investment Advisor,197 Clarendon Street,BostonMA02116 (1-800-543-6611).

Neither John Hancock, any broker dealer who has entered into selling agreements with Signator Investors nor any of their financial professionals provide legal or tax advice. Tax laws are complex and subject to change. Clients should consult their personal attorney or tax advisor prior to making any tax-related investment decisions.

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About this Site

The corporate offices of the John Hancock Life Insurance Companies, John Hancock Financial Network and Signator Investors, Inc. and this web site are based in Boston, Massachusetts, U.S.A.  The information contained in this Notice applies to the content and use of this website and all social media and other sites affiliated with John Hancock Financial Network and Signator Investors, Inc.  (the “Site” or “Sites”). Back to top

Terms of Use

By accessing and using the Sites,  you are accepting and agreeing to be bound by and comply with these Terms. If you do not agree to these Terms, please refrain from accessing or using the Sites. The Terms may be changed from time to time, without prior notice. The amended Terms shall become effective immediately upon posting. Back to top

Site Content

The content contained on the Sites is provided to you for informational purposes only and subject to modification and update from time to time without notice. We do not guarantee or ensure the accuracy, completeness, or authenticity of any content or functionality, or transmission of any content from the Sites to you. Other World Wide Web sites that may be accessed from or provide access to the Sites by hypertext links are entirely independent.  The inclusion of any acknowledgments, identification of any person or entity in the Sites or any hypertext link to or from the Sites shall not, in any manner, be construed as an endorsement of such person’s or entity’s site, products, services, or contributions to the web site and are for informational purposes only and included as a convenience for our customers. Back to top

Disclaimer: Use of the Sites

No part of the Sites are intended to provide any financial, investment, retirement planning, insurance, legal, accounting, or tax advice. John Hancock does not adopt or endorse any services, products, advertisements, recommendations, comments, statements or other content that may appear on third-party, linked and social media sites.   Further, John Hancock does not assume any liability for the content or presentation of content and information contained on third-party, linked and social media sites   The information contained on the Sites do not constitute an offer to sell or a solicitation of an offer to buy any security, insurance product or service and should not be used or relied upon by you as a substitute for your independent research or professional advice.  The Sites were created as a convenience to John Hancock’s Internet visitors.

No security or other product or service offered by John Hancock and its affiliates is offered or will be sold in any jurisdiction in which such offer or solicitation; purchase or sale would be unlawful under the securities laws or other laws of such jurisdiction. No such security or product is offered or will be sold in any jurisdiction by an entity or person, which is not properly licensed to do so in such jurisdiction. Some products may not be available in all states. In addition, the prospectus information is posted for informational purposes only.

The information (including text, graphics, videos and functionality) is presented without express or implied warranties and is provided “as is.” Due to the nature of the Internet, John Hancock cannot guarantee the accuracy of the information contained in the Sites or its suitability for any purpose. The information available on the Sites is available for informational purposes only.

Your use of the Sites shall be on an “as is” basis entirely at your risk. Neither John Hancock Financial Network, Manulife Financial Corporation, nor any of their affiliated companies, nor any officer, director, or employee thereof, nor any other person associated with the creation of the Sites or content 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 Sites, including without limitation any direct, indirect, special, third party, or consequential damages.  Back to top

Viruses

Because of the marked increase in the fabrication and proliferation of the computer viruses affecting the Internet, we want to warn you about the possibility of infections or viral contaminations on your system. It is your responsibility to scan any and all downloaded materials received from the Internet or the Sites.  John Hancock is not responsible or liable for any damages caused by such hazards. Back to top

Security

All information submitted to John Hancock through the Sites, including electronic mail inquiries, is submitted though the Internet, which is an unsecured, public network. Back to top

Intellectual Property

Names, phrases, logos, icons, graphics, images or designs used throughout the web site may be trade names, registered or unregistered trademarks or service marks (“Trademarks”) of John Hancock Life Insurance Company (U.S.A.), The Manufacturers Life Insurance Company, or their subsidiaries or affiliates, including John Hancock Financial Network. The display of Trademarks on the Sites is not an implied license to any third party for use of the Trademarks. Any retransmission or alteration of Trademarks or other forms of unauthorized copying may be a violation of the law. All information on the Sites is protected under copyright laws. Except for certain “fair use” or as otherwise provided on the Sites, no one has permission to copy, redistribute, reproduce or republish any information found on the Sites, which includes uploading or downloading without our prior written consent. You may hyperlink to the URL of our home page at www.johnhancock.com or www.signatorinvestors.com subject to our prior approval in writing or by email. Back to top

Third-Party Sites

At certain places on the Sites, links can be accessed to external, independent third-party sites.  John Hancock Financial Network does not endorse, adopt, approve, certify, or control external Sites and does not guarantee or assume responsibility for the accuracy, completeness, efficacy, timeliness, or correct sequencing of information published on those sites. Back to top