Legal Disclosures and Terms of Use

Please read these Terms and Conditions of Use (“Agreement”) carefully before using our web site/IGP Data Analytics Platform. This Agreement sets forth the legally binding terms and conditions for your use of the various web sites or platforms (“Sites”) owned and operated by the John Hancock Life Insurance Company (U.S.A.) and affiliates (“John Hancock” or “we”) and any other features, content, or applications offered from time to time in connection with such Sites.

By viewing or otherwise using any of the Sites, you agree to be bound by this Agreement and our Privacy Policy. John Hancock offers the Sites subject to acceptance without modification of (a) all of the terms and conditions contained in this Agreement, (b) all other operating rules, policies and procedures that may be published from time to time on the Sites by John Hancock and (c) all additional terms and conditions that may be promulgated by John Hancock from time to time, which are all incorporated into this Agreement by this reference. John Hancock may, in its sole discretion, refuse to offer any portion of or all of the Sites to any person at any time. This paragraph is void where prohibited by law and the right to access the Sites is revoked in such jurisdictions.

This Agreement applies exclusively to your access to, interaction with, and use of, the Sites and does not alter in any way the terms or conditions of any other agreement you might have with John Hancock for certain products or services, or otherwise.

We reserve the right in our sole discretion to change, modify, add, or delete portions of this Agreement. We will provide notice of such changes only by posting the updated Agreement on our Sites and changing the “last updated” date listed above, by posting a notice on the Sites or by sending you an email. We encourage you to review our Agreement each time you visit any of our Sites to see if it has been updated since your last visit. Your continued use of the Sites following our notice of any such changes constitutes acceptance of those changes.

We also reserve the right to change, suspend, limit or discontinue any portion of or all of the Sites (including, without limitation, the availability of any feature, database or content).

If you contact us through our Sites, you consent to engaging in certain electronic communications with John Hancock including but not limited to chat and/or electronic mail or by other electronic means at such numbers or addresses you provide to John Hancock.

John Hancock will not be responsible or liable for any loss or damages you may incur if you communicate confidential or other personal information to John Hancock by such electronic means or if John Hancock communicates such information to you by these means at your request or as a reply to a communication sent by you over the same channel. John Hancock may verify communications or the source of the communications before it accepts them, but it is not obligated to do so.

We never include your password in these communications, but we may include your name, or email address. Anyone with access to your e-mail or mobile device will be able to view these alerts.

In order to access certain features of this Site and/or the IGP Data Analytics Platform, which is not intended for the general public, you must work with your IGP contact to register and create an account ("User Account"). You are eligible to register if you are currently the owner or otherwise authorized individual associated with an active IGP account. Registrations received that do not meet this requirement will not be accepted. When you register, you will be provided a password which will be required to access the application.

For security purposes, you will go through a second layer of authentication where you will be required to enter a one-time (single use) passcode every time you log in to the IGP Data Analytics Platform. The one-time passcode will only be sent to your registered email address. John Hancock has physical, electronic and procedural safeguards that comply with federal standards to guard users' and clients' non-public personal information (see Privacy Policy). You are responsible for safeguarding your password, one-time passcode, and other User Account information. You agree not to disclose your password to any third party and you will notify John Hancock immediately, if your password is lost or stolen or if you suspect any unauthorized use of your User Account.

As a user you agree that you shall be solely responsible for any activities or actions under your User Account, whether or not you have authorized such activities or actions. You agree that the information you provide to IGP for User Account registration will be true, accurate, current, and complete.

Unless otherwise noted, all materials on the Sites, including, without limitation, text, graphics, design, the John Hancock name, the John Hancock logo, the International Group Program name, the IGP name and logo, other files, and the selection and arrangement thereof are the proprietary property of John Hancock or its affiliates or licensors. You may electronically copy and print to hard copy portions of the Sites for the sole purpose of using materials on the Sites for informational, non-commercial, personal and internal use only, provided you keep all copyright and other proprietary notices intact. Any other use of such materials, including any commercial use or reproduction for purposes other than described above, or modification, distribution, republication, display, or performance of such materials, without the prior written consent of John Hancock, is strictly prohibited.

You are granted a limited, nonexclusive right to create a hyperlink to the Sites except where user login is required, provided such link does not portray John Hancock or any of its products or services in a false, misleading, derogatory, or otherwise defamatory manner. This limited right may be revoked at any time. You may not use, frame or utilize framing techniques to enclose any John Hancock trademark, logo, or other proprietary information, including the images found on the Sites, the content of any text, or the layout/design of any page or form contained on any page of the Sites, without John Hancock’s prior written consent. Except as noted above or as otherwise expressly provided in this Agreement, you are not conveyed any right or license, by implication, estoppel or otherwise, in or under any patent, trademark, copyright, or proprietary right of John Hancock or any third party.

The Sites do not, and are not intended to, provide any financial, investment, retirement planning, insurance, legal, accounting, or tax advice. The Sites should not be used or relied upon by you as a substitute for your independent research or professional advice. Nothing on the Sites constitutes an offer to sell or a solicitation of an offer to buy any security or any investment or insurance product or service. All products and services are subject to the terms and conditions of the applicable agreements.

Nothing contained within this Site should be construed as investment, insurance, securities, tax or legal advice, and you agree that this Site will not be used by you for these purposes. The Site does not contain any advice as to the value of securities or as to the advisability of investing in, purchasing, or selling securities or insurance products. Decisions based on information contained in this Site are the sole responsibility of the user. The information contained in this Site is not an offer to sell or a solicitation of an offer to buy any security or any investment or insurance product or service.

THE SITES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, AND YOU AGREE THAT USE OF THE SITES AND CONTENT AVAILABLE ON OR THROUGH THE SITES IS AT YOUR SOLE RISK. JOHN HANCOCK DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. JOHN HANCOCK DOES NOT REPRESENT OR WARRANT THAT CONTENT AVAILABLE ON OR THROUGH THE SITES IS ACCURATE, COMPLETE, RELIABLE, CURRENT, OR ERROR-FREE. JOHN HANCOCK ALSO DOES NOT REPRESENT OR WARRANT THAT (A) THE SITES OR THE SERVICES WILL BE SECURE OR AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, (B) ANY DEFECTS OR ERRORS WILL BE CORRECTED, OR (C) THE SITES ARE FREE OF VIRUSES AND OTHER HARMFUL COMPONENTS. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.

Reference to any products, services, processes, or other information, by trade name, trademark, manufacturer, or supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by John Hancock.

IN NO EVENT WILL JOHN HANCOCK, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SITES, ANY WEBSITES LINKED TO THE SITES, ANY CONTENT ON THE SITES OR SUCH OTHER LINKED WEBSITES, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITES OR SUCH OTHER LINKED WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE. The foregoing does not affect any liability that cannot be excluded or limited under applicable law.

You agree to defend, indemnify and hold harmless John Hancock, its affiliates, and all of its and their officers, directors, agents, suppliers, and licensors from and against any and all claims, damages, costs and expenses, including attorneys’ fees, arising from or related to (a) your use of any of the Sites or any content on or linked to from the Sites, including, but not limited to, any claim by a third party and/or (b) your breach of this Agreement. John Hancock reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with John Hancock in asserting any available defenses.

John Hancock’s privacy policy, which is available at https://www.johnhancock.com/privacy, is incorporated into this Agreement.

The Sites are available only to individuals who are at least 13 years old. If you are between 13 and 18 years old, you must have parental permission to enter into this Agreement and to use the Sites. John Hancock does not knowingly gather information from children under 13 through the Sites for marketing purposes. You represent and warrant that you are at least 13 years old.

All matters relating to the Sites and this Agreement and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without giving effect to any choice or conflict of law provision or rule (whether of the Commonwealth of Massachusetts or any other jurisdiction).

Any legal suit, action or proceeding arising out of, or related to, the Sites or this Agreement shall be instituted exclusively in the federal courts of the United States or the courts of the Commonwealth of Massachusetts, in each case located in the City of Boston and County of Suffolk. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

The products and services referred to on the Sites are available only in jurisdictions where they may be lawfully offered for sale, and not all John Hancock products and services are available in all geographic regions/states.

Information required by the States of California and Massachusetts

 John Hancock Life Insurance Company (U.S.A.)

 State of Domicile: Michigan

 Principal Place of Business: Boston, Massachusetts 02116

 California Certificate Number: 2955-3

John Hancock reserves the right, without notice and in its sole discretion at any time, to terminate your license to use any or all of the Sites, to block or prevent future access to and use of any of the Sites, and to remove and discard any material from the Sites. All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

If any provision of this Agreement shall be deemed unlawful, void, or for any reason unenforceable, then that provision shall be limited or eliminated to the minimum extent necessary, and this Agreement will otherwise remain in full force and effect and enforceable.

The Agreement is the entire agreement between you and John Hancock with respect to the use of the Sites and supersedes all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and John Hancock with respect to the use of the Sites. All waivers must be in writing. John Hancock shall not be liable for any failure to deliver products or services or otherwise perform its obligations hereunder where such failure results from any cause beyond John Hancock’s reasonable control. The Agreement is personal to you, and is not assignable, transferable or sublicensable by you except with John Hancock 's prior written consent. John Hancock may assign, transfer or delegate any of its rights and obligations hereunder without your consent. Any attempted transfer in violation hereof will be void and of no effect. This Agreement will be binding upon, and inure to the benefit of, the successors, representatives, and permitted assigns of the parties. No agency, partnership, joint venture, or employment relationship is created as a result of the Agreement and neither party has any authority of any kind to bind the other in any respect. In any action or proceeding to enforce rights under the Agreement, the prevailing party will be entitled to recover costs and attorneys' fees.

Some of the most vulnerable people in our society are older persons (defined as those above the age of 60) and adults with disabilities. At John Hancock, we are committed to helping to protect these individuals. If you suspect that an older person or adult with disabilities is a victim of financial exploitation, please contact the National Center on Elder Abuse, your local Department of Family Services, or your local Law Enforcement Agency.

Questions about the Sites should be directed to igpinfo@jhancock.com. John Hancock endeavors to make the Sites accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance, please direct your inquiry through: igpinfo@jhancock.com.

Last updated: February 2, 2022