Please read carefully before submitting the application:

Important. You have applied for travel insurance offered by The Manufacturers Life Insurance Company (Manulife) and the First North American Insurance Company (FNAIC), a wholly owned subsidiary of Manulife. If you were asked medical questions when you applied for coverage, the questions as well as your responses are listed above. Please review your response to each question. It is your responsibility to be aware of all your medical conditions, to ensure that your answer to each question is true, and to read and understand the benefits, limitations, conditions and exclusions (including those related to pre-existing medical conditions) of the Manulife Travel Insurance policy that apply to your coverage and whose terms will prevail. If, at the time of claim, it is discovered that any question was not answered truthfully and accurately and there is material misrepresentation, it will result in the non-payment of any claim; your policy will be null and void; and your premium will be returned.

Personal Information Statement - scroll to view full text.

In this Statement, “you” and “your” refer to the policyowner or holder of rights under the contract , the insured and the parent or guardian of any child named as insured who is under the legal age for providing consent. “We”, “us”, “our” and “the Company” refer to The Manufacturers Life Insurance Company and our affiliated companies and subsidiaries.

Updates to this Statement and further information about our privacy practices are posted to www.manulife.ca.

We collect, use, verify and disclose your personal information for identified purposes, and only with your consent, or as permitted or required by law. By selecting submit or by signing the application, you give your consent for us to collect, use, and disclose your personal information, as set out in this Personal Information Statement. Any alterations to the consent must be agreed to in writing by the Company.

What personal information do we collect?

Depending on the product you have applied for, we collect specific personal information about you such as:

Identifying information such as your name, address, telephone number(s), email address, your date of birth
Medical information that any organization or person has about you
A personal investigation, financial information, credit bureau report and/or a consumer report from other organizations, person or source that has any information or records about you
Information about how you use our products and services, and information about your preferences, demographics, and interests
Other personal information we may require to administer our business relationship with you

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

Where do we collect your personal information from?

Your completed applications and forms
Other interactions between you and the Company,
Other sources, such as:
- Your advisor or authorized representative(s)
- Third parties with whom we deal in issuing and administering your policy now, and in the future
- Public sources, such as government agencies, and internet sites

What do we use your personal information for?

We will use your personal information to:

help us properly administer the products and services that we provide and to manage our relationship with you
Confirm your identity and the accuracy of the information you provide
Evaluate your application, and issue and administer the rights under the policy
Comply with legal and regulatory requirements
Understand more about you and how you like to do business with us
Analyze data to help us understand our customers better so we can improve the products and services we provide
Determine your eligibility for, and provide you with details of, other products or services that may be of interest to you

Who do we disclose your information to?

Persons, financial institutions and other parties with whom we deal in issuing and administering your policy now, and in the future
Authorized employees, agents and representatives
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 medical doctor

The abovementioned people, organizations and service providers are both within Canada and jurisdictions outside Canada, and would therefore be 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.

How long do we keep your information?

The longer of:

the time period required by law and by guidelines set for the financial services industry, and
the time period required to administer the products and services we provide.

Withdrawing your consent

You may withdraw your consent for us to use your personal information to provide you with other service or product offerings, excluding those mailed with your statements.

You may not withdraw your consent for us to collect, use, retain or disclose personal information we need to issue or administer the policy unless federal or provincial laws give you this right. If you do so, a policy may not be issued and benefits will not be payable under the contract or we may treat your withdrawal of consent as a request to terminate the contract.

If you wish to withdraw your consent, phone our customer care centre at 1-877-268-3763 or write to the Privacy Officer at the address below.

Accuracy and Access

You will notify us of any change to your contact information. 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. If you have a question, a concern, wish to receive more information about parties who have access to your information or about our privacy policies and procedures, and/or wish to review your personal information in our files or correct any inaccuracies, you may send a written request to:

Privacy Officer

Manulife

500 King Street N

PO Box 1602

Waterloo, ON N2J 4C6

Privacy_office_canadian_division@manulife.com

Please note the security of email communication cannot be guaranteed. Do not send us information of a private or confidential nature by email. By contacting us via email you are authorizing us to communicate with you by email.

Authorization and Revocation. In order to service you better, we may review the Manulife products and services you have used in order to tell you about other products and services through direct mail, telephone and other means. If you do not want us to do this, please advise us by emailing us at travel@manulife.com or writing to: Manulife, CoverMe Travel Insurance, P.O. Box 1602, Del. Stn. 500-4-A, Waterloo, Ontario N2J 4C6.