Legal information

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 the Privacy & Cookie Policy. If you don't agree to these terms and conditions or the Privacy & Cookie Policy, you must not use this website.

Information about us

https://mandg.com 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 a company incorporated and with its principal place of business in England, and its affiliated companies constitute a leading savings and investments business. 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.

Jurisdiction

M&G controls and operates this website from England and the information delivered via the website is deemed to have been delivered in England. M&G makes no representation that the material contained in this website is appropriate or available for use in other locations 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 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.

Disclaimer

The material published on this website is provided as a convenience to visitors and should be used for general information purposes only.

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 the Privacy & Cookie Policy from time to time. By continuing to use this website, 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 & Cookie Policy, as they are binding upon you.

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 this 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.

Linking

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 this website in any other website without our permission.

Intellectual Property Rights

The M&G name and logo are registered trademarks of the M&G group. We own or license all copyright in this 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 this 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 or any party which licenses any content to us.

General

If any part of these terms and conditions or our Privacy & 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 & 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 and the Privacy & 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.