Site information

‘We’, ‘us’ and ‘our’ means {advisorFirmLegalName}

How we use your personal information

We respect your right to privacy and will process personal information you provide in accordance with applicable privacy laws, including but not limited to the General Data Protection Regulation (EU Regulation) 2016, the UK GDPR including the Data Protection Act 2018, and the Privacy and Electronic Communications (EC Directive) Regulations 2003.”

Some of the M&G plc websites collect personal data and you may access these. For information on how your personal data is collected and processed on these websites please review the relevant ‘Data Protection – How we use your personal information’ link, available separately on each website, to understand how your personal data could be processed, your personal data rights and how you can exercise them.

Cookie Policy

What are Cookies?

This website uses cookies. Cookies are text files containing small amounts of information which are downloaded to your computer or other device when you visit a website. They are used to help you navigate websites efficiently and perform certain functions. They can also help us to better understand how the website is being used so we can make ongoing improvements to it. For some cookies consent is required from the users.

There are two primary categories of cookies:

  • Essential (or Strictly Necessary) – those cookies required to make this online service work for you or cookies that store information relating to regulatory questions (e.g. Are you a private or professional investor?)
  • Non-essential – all other cookies

Cookie Consent

  • M&G require consent from the user for non-essential cookies to be placed on a device.
  • Cookie consent is required for each distinct purpose for which non-essential cookies are used (see Cookie Categories below)
  • Cookie consent is captured on an initial visit to this website and expires after 1 year.
  • Cookie consent preferences can be amended at any time by visiting this page. Each amendment to cookie consent preferences sets a new 1 year expiry period.

Cookie Expiry

Cookies have an expiry period. They are created and store data for a specific period of time.

  • Session cookies – a cookie that is stored temporarily and expires after your session (or visit) or when you close the browser.
  • Persistent cookies – a cookie that persists for a specific period of time beyond a session (or visit). Persistent cookies typically contain preferences or choices that are required to persist across multiple sessions. 7 days, 30 days & 1 year are examples of persistent cookie expiry periods.

This website uses both session and persistent cookies.

Cookie Sources

Cookies are classified as first party or third party.

  • First party cookies are placed from the domain of the website visited.
  • Third party cookies are placed from domains different to the website visited. They are traditionally from 3rd party technologies or services used on the website.

This website uses both first party and third party cookies.

Cookie Categories

The cookies used on this website fall into the following categories.

  • Strictly Necessary - these cookies are required to make this digital service work for you. They will also store information relating to regulatory questions. E.g. Are you a private or professional investor? 
  • Performance - these cookies are used by digital analytics technologies and collect information in an anonymous form about how visitors use this website. The data collected is used by us to understand website traffic sources, user browsing behaviour & drive design change.
  • Functionality - these cookies enable the website to test new website designs and provide personalised experiences based on user browsing activity.
  • Targeting – these cookies are used to provide more relevant advertising when you visit external websites.
  • Social Media - these cookies will be set by any social media services that we have added to the site to enable you to share our content. This could potentially impact content and messages you see on other websites you visit. Please visit the respective Social Media sites for details of their cookie policies.

This table details the cookies which may be set on your device when using this website.

Cookie List

A cookie is a small piece of data (text file) that a website – when visited by a user – asks your browser to store on your device in order to remember information about you, such as your language preference or login information. Those cookies are set by us and called first-party cookies. We also use third-party cookies – which are cookies from a domain different than the domain of the website you are visiting – for our advertising and marketing efforts. More specifically, we use cookies and other tracking technologies for the following purposes:

Strictly Necessary Cookies

These cookies are required to make this digital service work for you. They will also store information relating to regulatory questions.

Cookie Subgroup


Cookies used

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1st Party


1st Party


1st Party


1st Party


3rd Party

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3rd Party


3rd Party



Performance Cookies

These cookies are used by digital analytics technologies and collect information in an anonymous form about how visitors use this website. The data collected is used by us to understand website traffic sources, user browsing behaviour & drive design change.


Cookie Subgroup


Cookies used


1st Party

sc.UserId, sc.ASP.NET_SESSIONID, RT, SessionCamTestCookie

1st Party


1st Party

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1st Party

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1st Party


3rd Party


3rd Party



Targeting Cookies

These cookies are used to provide more relevant advertising when you visit external websites.


Cookie Subgroup


Cookies used


1st Party


1st Party


3rd Party

IDE, test_cookie

3rd Party


3rd Party


3rd Party


3rd Party

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3rd Party

li_gc, UserMatchHistory, bcookie, AnalyticsSyncHistory, lang, lidc

3rd Party


3rd Party


3rd Party


Using our website and accepting our terms

Please read this information carefully. By using this website, you confirm that you've understood and agree to be bound by the terms and conditions set out on this page and by our Privacy and Cookie Policy. If you don't agree to these terms and conditions or our Privacy and Cookie Policy, you must not use this website. You may also want to view our Social Media Terms and Conditions.

This website and the information provided on it are for the use of permanent residents of the United Kingdom only. By using this website, you represent and warrant that you meet these requirements. If you don't meet these requirements, you should not use this website.

Information about us

{advisorFirmLegalName} is an Appointed Representative of M&G Wealth Advice, which means that {advisorFirmLegalName} is carrying on certain regulated activities on behalf of M&G Wealth Advice Limited (a firm that is authorised and regulated by the FCA), and that M&G Wealth Advice Limited is responsible for ensuring that {advisorFirmLegalName} complies with FCA regulations in carrying on these activities. 

mandg is a website operated by M&G plc (“M&G”).  M&G plc is incorporated and registered in England and Wales under company number 11444019 and has its registered office at 10 Fenchurch Avenue, London, EC3M 5AG. M&G plc is a holding company, some of whose subsidiaries are authorised and regulated, as applicable, by the Prudential Regulation Authority and the Financial Conduct Authority. M&G plc is the direct parent company of The Prudential Assurance Company Limited. The Prudential Assurance Company Limited is not affiliated in any manner with Prudential Financial, Inc, a company whose principal place of business is in the United States of America or Prudential plc, an international group incorporated in the United Kingdom.


M&G plc controls and operates this website from England and the information delivered via the website is deemed to have been delivered in England. M&G plc makes no representation that the material contained in this website is appropriate or available for use in other locations outside the United Kingdom. By operating this website, M&G plc is not soliciting any business from any location outside the United Kingdom.

This website isn't directed to any person in any jurisdiction where (by reason of that person's nationality, residence or otherwise) the publication or availability of this website is prohibited. Persons to whom such restrictions apply must not access this website. If you choose to access this site from outside the United Kingdom you're solely responsible for compliance with local laws.

This website and any transaction effected through it are governed by English law and the English courts shall have jurisdiction in any legal proceedings.

Regulatory Notices

Nothing contained in this website should be construed as a solicitation, offer or recommendation to buy or sell any investment. By providing the information on this website, M&G plc is not determining the suitability of any investment for any investor. Nor does the information on this website constitute investment advice. You should obtain relevant professional advice before making any investment decision.


The material published on this website is provided as a convenience to visitors and should be used for general information purposes only. If you require additional information, you should get in touch by letter, telephone or email.

We reserve the right to change any material on this website without notice.

We may update the terms and conditions set out on this page and in our Privacy and Cookie Policy from time to time. By continuing to use this website after we make any such updates, you confirm that you've understood and agreed to be bound by them. You should revisit the relevant pages regularly to ensure that you've seen and are aware of the current terms and conditions and the current Privacy and Cookie Policy, as they are binding upon you.

Services on the website

We may offer a number of services on Our website for you to use at your convenience. We reserve the right to change, suspend, withdraw or suspend these services from time to time and we will endeavour to give you prior notice where possible but cannot guarantee this. We will not be liable to you if for any reason the services are unavailable at any time or for any period.

You are solely responsible for the use of the services on Our website in accordance with any instructions or information we may provide from time to time and we accept no responsibility for any loss or damage that may arise from your use of them.

Viruses, hacking and other offences

We don't guarantee that our website will be free from bugs, malicious programs or materials or viruses. You're responsible for configuring your information technology, computer programmes and platform in order to access our website. You should use your own virus protection software.

You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of-service attack.

Our liability to you

Nothing in these terms and conditions excludes or limits our liability for:

  • death or personal injury as a result of our negligence; or
  • fraud or fraudulent misrepresentation.

We exclude all other conditions, warranties, representations or other terms which may apply to our website or any content on it, whether express or implied.

We won't be liable to you for any loss or damage (even if foreseeable) arising under or in connection with:

  • use of, or inability to use, our website;
  • use of or reliance on any content displayed on our website; or
  • viruses, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any content on it, or on any website linked to it.

We accept no liability for the information contained on any third-party websites linked to on our website and we won't be liable for any loss or damage that may arise from your use of them.


Where our website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, we accept no responsibility for them and you shouldn’t take our providing these links as an endorsement or guarantee by us of the websites or the information on them.

 You must not link our website in any other website without our permission.

Intellectual Property Rights

The M&G plc name and logo are our registered trademarks. We own or license of all copyright in our website, as well as the content, trademarks or other material published on it.

Unless specifically prohibited by a notice on any page, you may print or download individual sections of our website for your own personal information and use only, provided that you retain all copyright and other proprietary notices.

You must not use, extract or reproduce our trademarks or any content from our website for commercial purposes without first obtaining the written consent of M&G plc or any party which licenses any content to us.

How to complain if you're not happy about a product or service

We aim to provide excellent products and service at all times. If you feel you have cause to complain about a product or service we have provided to you, please get in touch by letter, telephone or email. One of our customer service agents will deal with your complaint and will try to provide a quick and satisfactory conclusion for you.

So that we can try to resolve your complaint, please provide us with the following information when you get in touch:

  • Your full name and address (including your policy number(s) if relevant)
  • Full details of your complaint
  • Any information you consider to be relevant to your complaint

Please see the make a complaint page for further information about our internal complaints procedure.

Financial Ombudsman Service (FOS)

In the event that certain types of complaint you make against us remain unresolved after they've been through our internal complaints procedure, you may refer your complaint to the FOS. The FOS is an independent body that handles disputes between businesses providing financial services and their customers.

You can contact FOS at:

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR, United Kingdom

Phone: 0800 0234 567 or 0300 123 9123



Please see the make a complaint page for further information about referring a complaint to the FOS.


If any part of these terms and conditions or our Privacy and Cookie Policy is found to be invalid, unenforceable or unlawful by any court of competent jurisdiction, such part shall to that extent be severed from the remaining provisions all of which shall remain in full force and effect as permitted by law.

Failure by us to exercise any right or remedy under these terms and conditions or our Privacy and Cookie Policy shall not constitute a waiver of that right or remedy, and shall not prevent us from exercising that right or remedy at any time in the future.

These terms and conditions, our Privacy and Cookie Policy are governed by English law and in the event of a dispute you agree that the courts of England and Wales will have non-exclusive jurisdiction.

We’re committed to making our experiences accessible for everyone

Improving accessibility and usability is at the heart of how we design. We want to create experiences that are easy to use by people of all abilities.

We take a universal design approach, knowing that by ensuring we get the fundamentals of accessibility right it will make a positive improvement for all of our users and therefore simply becomes part of our design process. is flexible and adaptable to different users’ needs or preferences and is accessible through a variety of different technologies, including mobile devices or assistive technologies.

As part of our commitment to accessibility, we ensure that our website is compatible with:

  • Recent versions of popular screen readers
  • Operating system screen magnifiers
  • Speech recognition software
  • Operating system speech packages

Web Content Accessibility Guidelines (WCAG) 2.1 AA standard

This site has been designed to adhere to Level AA of the Web Content Accessibility Guidelines (WCAG) 2.1. We utilise their 4 core principles therefore our site should be:

Perceivable - Information and user interface components must be presentable to users in ways they can perceive

Operable -User interface components and navigation must be operable

Understandable - Information and the operation of user interface must be understandable

Robust - Content must be robust enough that it can be interpreted reliably by a wide variety of user agents, including assistive technologies

We’re always looking for ways to improve our future experiences and if you spot something that could be better, we’d love to hear from you.