This website contains some information that is freely available and accessible to all United Kingdom based users.
This website and services
We may change the content or availability of any of the information available through this website (including changing these Terms & Conditions) or add additional services. We will give you reasonable notice of any change by indicating it on this website.
You are responsible for having suitable computer equipment and software to access this website and for all telephone, internet service provider and other costs incurred in accessing and using this website.
You are only permitted to use this website and the services available through it for your own personal, non-commercial purposes.
You must not establish a link to any pages of this website without our prior written consent.
Whilst M&G uses every reasonable effort to ensure that the information contained on this website is current and accurate at the date of publication, no warranties are given, whether express or implied, as to the reliability, accuracy or completeness of the information.
No liability is assumed for any use, or misuse, of the information presented on this website.
M&G takes all reasonable steps to ensure the security of the website and your personal information. However, the nature of the internet is such that we cannot give an absolute guarantee of security. The security & privacy section details the measures we apply.
As you are probably aware, internet email cannot be guaranteed and is not secure. We recommend that you do not send any confidential information to us by email. If you choose to send any confidential information then you do so at your own risk. Instructions sent by you via email, and to this website, are processed exclusively at your risk.
Whilst M&G uses every reasonable effort to maintain the availability of this website we cannot guarantee this. This website may also change from time to time and we cannot guarantee the continuation of the services offered through it.
Disclaimer of third party information and websites
This website may contain, or be linked to, advice or statements from third parties. M&G make no representation as to the accuracy, completeness, timeliness or suitability of such information and we have not, and will not, review or update such information and caution you that 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. M&G hereby exclude any liability arising out of any preparation or provision of such information for this website and make no warranty as to the accuracy, suitability or completeness of any such information.
The links we provide from this website to other websites are provided for information only. We do not assume any responsibility or liability with respect to any website accessed via our website. We do not monitor or review any of the websites accessible through these links. Once you have used these links to leave this website you should note that we do not have any control over that other website. We therefore cannot be responsible for the protection and privacy of any information that you provide whilst visiting such websites and such websites are not governed by these terms & conditions. You should exercise caution and look at the privacy statement applicable to the website in question.
The presence of any advert on this website is not an endorsement of the goods, services or website advertised.
Except where indicated otherwise, all information, text, images and layout are our exclusive property. You are only permitted to print, copy, download or temporarily store extracts from this website for your personal use, provided that you do not change or remove any copyright notices. All intellectual and other property information shall continue to be held by us and no rights of any kind in it shall pass to you.
Your use of this website
You agree that you will not:
- Place on this website any information which is abusive, illegal, libellous, pornographic, discriminatory or otherwise offensive
- Send or place any information that contains a virus or otherwise harmful content.
- 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 any such perpetrator.
Communications sent by us 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. We will not be liable to you for any delay or failure of delivery (for whatever reason) of any such email. 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.
These terms & conditions are governed by English law and you agree to submit to the exclusive jurisdiction of the English courts.
We may, at any time, assign any or all of our rights or obligations under these terms & conditions to any member of the Prudential Group, or to any person which takes over from us all, or substantially all, of the business, which operates this website or provides the services available through it. We shall notify you of any such assignment, and with effect from the date of such notice or such later date as is specified by us, save to the extent otherwise specified by us in the relevant notice:
- All rights to enforce your obligations under these terms & conditions shall pass to our assignee
- Our assignee shall perform all of our obligations under these terms & conditions, and you shall release us therefrom
Any rights granted to you and obligations incurred by you under these terms & conditions are personal to you and may not be transferred to any third party. We may, at any time, sub-contract the performance of all or any of our obligations under these terms & conditions.
If we do not exercise any right or remedy which we have under these terms & conditions this does not mean we have waived our right to it or any other right or remedy of ours.
If any term or provision of these terms & conditions shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining terms or provisions, but such term or provision will be deemed modified to the extent necessary to render such term or provision enforceable.
You can be assured that M&G takes the security and privacy of your information very seriously. The measures that we apply are explained in this security & privacy statement. The most up-to-date security measures in current commercial use have been established to ensure you can use this website with the utmost confidence.
We have established the following security control processes.
M&G has established effective host, firewall and intrusion detection security measures through the use of industry-standard, third-party security tools. We have 24-hour monitoring arrangements in place to support these measures and our procedures and controls are subject to regular risk assessment and review to ensure they remain effective.
Information communicated over the internet
All data communications are protected through the use of Secure Socket Layer (SSL) technology. This encrypts the information passed over the internet to ensure no one else can read or change it. The data is scrambled using 128-bit, two-way data encryption.128-bit encryption is the strongest level of protection currently in commercial use.
When you visit an area of this website that is secured with SSL, this website will automatically send you its registration certificate. Internet browsers, such as Microsoft Internet Explorer, show you a website is secure by displaying an unbroken key or padlock symbol at the bottom of the browser window. You can click on this symbol to reveal our registration certificate which has been issued by Verisign, a leading certificate authority.
If you wish to download the latest version of Microsoft Internet Explorer in order to utilise 128-bit encryption, please click below. Please note that this site is optimised for Internet Explorer 5.5 and above.
Download Microsoft Internet Explorer
Fraud – misuse of M&G name
It is important to note that you will never receive an email from us asking you to divulge any personal information. From time to time, the M&G name and logo have been misused by organisations and individuals unconnected to M&G for fraudulent purposes. These misuses include unsolicited communications with requests for money and personal details, and claims that M&G is the guarantor of financial transactions. If you receive an email message or any other communication that looks suspicious or you feel that you may have been a victim of a fraudulent scheme involving the M&G name or logo, please do not respond to it and notify us immediately at firstname.lastname@example.org.
If you have any additional questions, or if the information we hold about you is incorrect, please Contact us.