COIN™ gives you the power to put your values at the center of your investment choices.
Everyone's unique. That's why COIN starts with asking a few questions to understand your values. Our simple quiz reveals a score that's personalized to you.
Your score is the key that unlocks insight into thousands of companies across 30+ topic areas. It's as simple as browsing the issues you care about. Learn about critical issues relevant to companies you invest in, from climate change to business ethics.
When you're ready to see how well your current investments align with your values, link an investment account to get your report.
We are located in Boston’s fast-growing Innovation District (aka the Seaport). With the resources of John Hancock and our startup partners providing the latest in fintech, services, design, and social responsibility – we’re ready for you! Bring your skills and let’s get to work!
Policy Effective Date: July 17, 2017
John Hancock Life Insurance (U.S.A) referred to as “JHUSA”, “we” or “us” offers an educational service which analyses the spending and investments of users of our website with respect to environment, social and governance values, commonly referred to as “ESG.”
As a User, we will create an account for you (the “Account”) to provide you with information about your current investments.
This website is only available for use in the United States. We make no representation that this website is appropriate or available for use outside the United States. Similarly, we make no representations that accessing this website from locations outside the United States is legal or permissible by local law. If you access this website from areas outside of the United States, you do so at your own risk and are yourself responsible for compliance with local laws.
You are responsible for safeguarding your password and other User Account information. You agree not to disclose your password to any third party and you will notify COIN 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 us for User Account registration through our website will be true, accurate, current, and complete.
By creating a User Account, you automatically sign up for various types of alerts via e-mail and mobile notification. When logged in, you may customize, modify and in some cases deactivate alerts by adjusting the settings accordingly.
We never include your password in these communications, but we may include your name, or email address and information about your User Account. Anyone with access to your e-mail or mobile device will be able to view these alerts.
You may unsubscribe from marketing oriented emails at any time.
You agree and understand that your use of this website is for educational purposes only and is not intended to provide legal, tax, investment or financial planning advice. You agree as a User that you are responsible for your own investment research and investment decisions, that this website is only one of many tools you could use as part of a comprehensive investment education process, that you should not rely on this website as the primary basis of your investment decisions and, except as otherwise provided for herein, JHUSA will not be liable for decisions/actions you take or authorize third parties to take on your behalf based on information you receive as a User of this website or information you otherwise see on our website.
Your use of this website as a User, and the provision of personal information to us is at your sole discretion and risk. This website and all materials, information, and services included therein, are provided on an AS IS and AS AVAILABLE basis without warranties of any kind from JHUSA.
JHUSA EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, RELATING TO THIS WEBSITE, ITS CONTENT AND/OR DATA DERIVED FROM USER INFORMATION, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF PROPRIETARY RIGHTS, COURSE OF DEALING OR COURSE OF PERFORMANCE. JHUSA DISCLAIMS ANY WARRANTIES, EXPRESS OR IMPLIED:
No advice or information, whether oral or written, obtained by you from this website, shall create any warranty not expressly stated in this Agreement. If you choose to rely on such information, you do so solely at your own risk.
Some states or jurisdictions do not allow the exclusion of certain warranties. Accordingly, some of the above exclusions may not apply to you.
IN NO EVENT SHALL JHUSA OR ANY OF ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THIS WEBSITE, ITS CONTENT AND/OR DATA DERIVED FROM USER INFORMATION, INCLUDING BUT NOT LIMITED TO THE QUALITY, ACCURACY, OR UTILITY OF THE INFORMATION PROVIDED AS PART OF OR THROUGH THIS WEBSITE OR FOR ANY INVESTMENT DECISIONS MADE ON THE BASIS OF SUCH INFORMATION, WHETHER THE DAMAGES ARE FORESEEABLE AND WHETHER OR NOT JHUSA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.
You may request termination of your User Account at any time and for any reason by sending an email to email@example.com.
You agree you will:
You agree you won't:
You agree the only way to provide us legal notice is at the address provided in Section 5.7.
This Agreement is the entire agreement between you and us with respect to your use of this website, and supersedes all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and us. If any provision of this Agreement is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that this Agreement will otherwise remain in full force and effect. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder.
The information on this website is for informational purposes only and is not investment advice or financial planning from any John Hancock investment adviser. This website provides Users with limited information about the environmental, social, and governance (“ESG”) scores of certain large publicly-traded companies, ETFs, and mutual funds. Other companies and investments are not shown on this website that could have received higher or similar ESG scores. The particular companies shown on this website are shown because an ESG score was available from an ESG rating provider. The companies were not selected for this website based on their performance, profitability, or ESG score.
You acknowledge and agree that nothing contained in this website should be construed as representation of suitability or endorsement of any security and is not a recommendation by any John Hancock investment adviser to buy, hold, or sell any company listed on this website, or an offer of any such security. The information about a company’s ESG score is provided by a company that is not affiliated with John Hancock and is not independently verified by John Hancock.
The questions about risk on this website are designed to help a User understand his or her general approach to taking risks in life. The questions are limited in scope and are not designed to provide any insight into a User’s appetite for investment risk or whether a User should invest in more or less risky investments, including securities.
John Hancock makes no representation that the information on this website is accurate, complete or up-to-date.
We provide the opportunity for a User to link financial accounts to her or his COIN account. Our account aggregation features are provided by a third-party financial account aggregation service provider. By linking your financial accounts to your COIN account, you grant us the right, power and authority to act on your behalf to access and transmit your personal and financial information from the link account to your COIN account.
Our access to financial accounts linked by Users is read-only. We cannot perform financial transactions in linked accounts on a User’s behalf. We do not retain financial account credentials. In cases where a financial account becomes inaccessible, Users will be referred to their financial institution for a resolution. We do not guarantee that all of a User’s financial institutions are available for linking, that all accounts held at any institution are available for linking, or that all investments held in those accounts are up-to-date.
We analyze how closely a User’s investments align with ESG (Environmental, Social, and Governance) factors a User prioritizes through a proprietary methodology. ESG factors are corporate activities scored by MSCI ESG Research, LLC and include items like Water Stress, Labor Management, Privacy and Data Security, and Tax Transparency as well as other types of corporate activities.
ESG scores are not available for all investments. Further, if a Customer does not link an account containing a specific investment, we are unable to evaluate that specific investment.
Certain information contained herein (the “Information”) has been provided by MSCI ESG Research LLC (or its information providers), a Registered Investment Adviser under the Investment Advisers Act of 1940, and it may not be reproduced or redisseminated in whole or in part without prior written permission. The Information may not be used to create any derivative works or in connection with issuing, offering, sponsoring, managing or marketing any securities or investment vehicles. The Information has not been submitted to, nor received approval from, the US SEC or any other regulatory body. None of the Information constitutes an offer to buy or sell, or a promotion or recommendation of, any security, financial instrument or product or trading strategy, nor should it be taken as an indication or guarantee of any future performance, analysis, forecast or prediction. None of the Information in and of itself can be used to determine which securities to buy or sell or when to buy or sell them. Some of the funds analyzed herein may be based on or linked to MSCI Indexes, for which MSCI Inc., or its subsidiaries, may be compensated based on the fund’s assets under management or other measures. MSCI Inc. has established an information barrier between equity index research and ESG fund ratings. Additionally, fund ratings are based on a weighted aggregate of the ratings of their underlying covered holdings and are not subject to intervention by any analyst. The Information is provided “as is” and the user of the Information assumes the entire risk of any use it may make or permit to be made of the Information. No MSCI party (including information providers) shall incur liability for any errors or omissions in the Information, or for any damages related thereto.
Your feedback is welcome and encouraged. You may submit feedback by emailing us at firstname.lastname@example.org You agree, however, that (i) by submitting unsolicited ideas to JHUSA or any of its employees or representatives, by any medium, including but not limited to email, written, or oral communication, you automatically forfeit your right to any intellectual property rights in such ideas; and (ii) such unsolicited ideas automatically become the property of JHUSA. You hereby assign and agree to assign all rights, title, and interest you have in such feedback and ideas to JHUSA together with all intellectual property rights therein. In addition, you warrant that all moral rights in any feedback have been waived, and you do hereby waive any such moral rights.
You can also contact JHUSA by physical mail at:
John Hancock Life Insurance, (U.S.A)
c/o US Digital Advice
601 Congress Street, 4th Floor Boston, MA 02210