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BEFORE YOU START TO USE THIS WEBSITE PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY AND CONTACT US (DETAILS BELOW) IF YOU HAVE ANY QUESTIONS. BY USING THIS WEBSITE, YOU WILL BE INDICATING THAT YOU ACCEPT AND WILL COMPLY WITH THESE TERMS AND THAT YOU HAVE READ OUR PRIVACY AND COOKIES POLICY WHICH IS INCORPORATED INTO THESE TERMS.

Part A

This website (“website”) is operated by M&G Prudential plc (“M&GPrudential”/”we”/”us”/”our”). Any financial products and/or services described on this website are offered by companies which are subsidiaries of, or associated with, M&GPrudential. The websites of those companies (and not this website) should be referred to in relation to such financial products and/or services.

These Terms, as amended by us from time to time, set out the basis on which you may use this website.

This website contains some information and services that is/are freely available and accessible to all United Kingdom based users and users in those countries as listed on the “Our offices” page.

These terms are effective from July 2019. We may change them from time to time by updating this page so please revisit and reread it periodically. We may change the content or availability of any of the information or services available through this website (including changing these Terms) or add additional services.

You are responsible for making all arrangements necessary for you to have access to this website and for all telephone, internet service provider and other costs incurred in accessing and using this website. You are also responsible for ensuring that all persons who access this website through your internet connection are aware of these Terms (including our Privacy and Cookies Policy) and that they comply with and accept them, as relevant.

You must not establish a link to any pages of this website from another website or document without our prior written consent. See "Contact Us" below.

Whilst M&GPrudential uses every reasonable effort to maintain the availability of this website, we cannot guarantee its availability or the continuation of the services offered through it or that access will be uninterrupted or error free. From time to time, we may restrict access to some parts of this website, or this entire website, to users irrespective of whether they are registered users, as relevant.

Whilst M&GPrudential uses every reasonable effort to ensure that the accuracy of the information contained on this website which was prepared by or on behalf of M&GPrudential (as distinct from third party content – see "Disclaimer: Links, third party information and websites" below) as at the date of publication, all such information is provided “as is” and this means that except where prohibited by law no warranties are given, whether express or implied, as to the reliability, accuracy, suitability or completeness of the information.

No company in the M&GPrudential group, accepts any liability for any use, or misuse, of the information presented on this website or for any loss or damage which may arise from access to or reliance on information published on this website, except where that liability may not be excluded or limited by law. Accordingly, to the maximum extent permitted by law, we provide you with this website on the basis that we exclude all representations, warranties, conditions and other terms which are not expressly set out in these Terms (including our Privacy and Cookies Policy). This does not affect any mandatory legal rights that cannot be excluded under applicable law. Nothing in these Terms shall limit or exclude our liability (if any) for:

  • Fraud or fraudulent misrepresentation
  • Personal injury or death resulting from our negligence
  • Our breach of our statutory obligation to provide the website and related services with reasonable skill and care
  • Any other matter for which it would be illegal for us to exclude, or attempt to exclude, liability

We take all reasonable precautions to seek to keep secure all confidential information you send to us, including precautions against unauthorised access or loss. However, in common with all website operators, we cannot guarantee the security of any data transmitted by internet email or through this website. Please do not communicate with us by these methods unless you accept the security implications of dealing online.

This website may contain, or be linked to, advice or statements from third parties. No company in the M&GPrudential group, makes any representation as to the accuracy, completeness, timeliness or suitability of such information and we have not, and will not, review or update such information. Any use made of such information is at your own risk.

Some of the information contained on this website may also have been prepared or provided by third parties and may not have been verified by us. Except where prohibited by law (see above), no warranties are given, whether express or implied, as to the reliability, accuracy, suitability or completeness of the information. No company in the M&GPrudential group, accepts any liability for any use, or misuse, of the information published on this website, except where that liability may not be excluded or limited by law (see above).

The links we provide from this website to other websites are provided for information only. Other sites may link to this website. We do not assume any responsibility or liability with respect to any website accessed via this website or linking to this website or for any of the content on those websites. Those websites will have their own terms and privacy policies and you should read them carefully before using those sites.

The presence of any advert on this website is not an endorsement of the goods, services, business or website advertised.

Except where indicated otherwise, the copyright subsisting in the content on this website and in the materials made available through this website, including in all information, text, images and layout is the exclusive property of M&GPrudential or another company in the M&GPrudential group or is licensed to M&GPrudential. You are only permitted to print, copy, download or temporarily store extracts of content which is owned by M&GPrudential group members as strictly necessary and for your personal use, provided that you do not change or remove any copyright notices. You are not permitted to distribute or otherwise make available or communicate to the public any part of the same. All copyright and other intellectual property rights shall continue to be held by or used under licence by M&GPrudential or the other companies in the M&GPrudential group, as relevant, and no rights of any kind in it shall pass to you.

Copyright in certain content and materials is owned by third parties and is reproduced on or made available through this website with the permission of the third-party copyright owners pursuant to licences to M&GPrudential or other companies in the M&GPrudential group, as relevant. You are not permitted to print, copy, download or temporarily store extracts of any content which is owned by third parties and used by M&GPrudential companies on this website under licence. This means that where you see a disclaimer at the end of or beside links to e.g. videos on this website you must not print, copy, download or temporarily store any part of that content whatsoever.

The trademarks and logos shown on this website are either owned by companies in the M&GPrudential group, or a third party. No rights are granted to use any trade marks on this website without the prior written consent of M&GPrudential.

You agree that you will not:

  • Place on or submit through this website any information or material which is abusive, illegal, threatening, defamatory, obscene, pornographic, discriminatory or otherwise offensive or which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or is otherwise contrary to the law or would infringe the rights of M&GPrudential or any other companies in the M&GPrudential group, or those of any third-party
  • Place on or submit through this website any viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful; or
    interfere with the operation or content of this website
  • Any attempt to damage this website may be illegal and we reserve the right to seek damages from you in relation to that and in accordance with applicable law.

No company in the M&GPrudential group, accepts any liability for any loss or damage caused by any viruses or other technologically harmful material that may infect your PC or other device, computer programs, data or other proprietary material due to your use of this website or to your downloading of any material posted on it, or on any website linked to it, except where that liability may not be excluded or limited by law (see above).

Communications which we send to you by email will be deemed received by you immediately upon sending. We will not be obliged to seek any acknowledgement of receipt from you in respect of such emails. No company in the M&GPrudential group, accepts any liability for any delay or failure of delivery (for whatever reason) of any such email except where that liability may not be excluded or limited by law (see above). If we have addressed such communications to your email address, then we will not have breached any duty of confidentiality owed to you, even if they are seen by any other person as a result.

Communications sent by you to us by email will be deemed received by us upon actual receipt by a system under our control.

Use of this website and the content and materials available on or through this website, together with these Terms, are governed by and interpreted in accordance with English law. By using this website, you agree to submit to the exclusive jurisdiction of the English courts.

These Terms (including our Privacy and Cookies Policy) contain the entire agreement between you and us regarding their subject matter and they supersede all prior communications, representations, warranties, stipulations, undertakings and agreement between the parties. Nothing in these Terms shall, however, operate to limit or exclude the liability of either party for any fraudulent misrepresentation.

If you need to contact us, please visit our Contact us page.

Part B

Our registered office is at 10 Fenchurch Avenue, London, EC3M 5AG. You can also contact us at info@mandgprudential.com.

This website is not intended for use by any person in the United States in relation to any financial products and/or services which may be mentioned on this website. Financial products and/or services offered by members of the M&GPrudential group, including shares in M&G funds have not been and will not be registered under the United States Securities Act of 1933, as amended, or registered or qualified under the securities laws of any state of the United States and may not be offered, sold, transferred or delivered, directly or indirectly, to any investors within the United States or to, or for the account of, US Persons except in certain limited circumstances pursuant to a transaction exempt from such registration or qualification requirements. None of the shares have been approved or disapproved by the US Securities and Exchange Commission, any state securities commission in the United States or any other US regulatory authority, nor have any of the foregoing authorities passed upon or endorsed the merits of the offering of the shares or the accuracy or adequacy of the prospectus. The funds will not be registered under the United States Investment Company Act of 1940, as amended.

© M&GPrudential 2019

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