There are two primary categories of cookies:
Cookies have an expiry period. They are created and store data for a specific period of time.
This website uses both session and persistent cookies.
Cookies are classified as first party or third party.
This website uses both first party and third party cookies.
The cookies used on this website fall into the following categories.
The table below details which technologies or services sit in each cookie category.
"We", "our" or "us" means M&G Investment group (M&G). A list of entities that form this group is available HERE or on request by contacting us on the details below.
Please contact the Data Protection Office if you have any questions regarding this policy:
M&G Data Protection Office
10 Fenchurch Avenue,
Other sites linking to or from this website will have their own privacy policies and we are not responsible for the privacy practices of other organisations.
We collect the following personal data about you through this website:
On advisor sites:
For all registered users of the site:
We use your personal data for the following purposes:
With your consent, we use your personal data for direct marketing purposes, including sending you marketing communications about investment products and related services of the M&G Investment group. Direct marketing includes communications by post, email and telephone calls. You can update your direct marketing preferences at any time by following the instructions in the marketing communication itself, by accessing your online account or by contacting the Data Protection Office.
We share your personal data with:
The recipients set out above may be based in the UK, European Economic Area (EEA) or in countries outside the EEA.
Your personal data may be transferred outside of the UK and EEA from time to time to members or businesses within the M&G plc Group, trusted service providers and other third parties. These other countries have different, and sometimes lower, standards of data protection than those in the UK or the EEA.
We require third parties to keep your personal data confidential and secure. We will ensure that suitable protection is maintained at all times by ensuring that appropriate safeguards are in place. But where we are required by law to disclose, we may not always have control over the terms under which we are required to share your personal data. We will make sure that any disclosure is lawful.
We will only transfer your personal data outside the EEA using appropriate safeguards which include adequacy decisions determined by the European Commission and/or UK Government or otherwise in compliance with applicable laws.
Following Brexit, MGSL has appointed M&G Luxembourg S.A. as its European Union Representative with respect to data protection matters.
MGSL clients can contact M&G Luxembourg S.A. in writing at:
F.A.O. The Data Protection Officer, M&G Luxembourg S.A., Boulevard Royal 16 2449 Luxembourg
Or by email to:
*M&G plc Group: a list of entities forming the Group can be requested via the contact details below or reached by visiting: www.mandg.com/plc-entities
We will retain your personal data for as long as is necessary for the purposes described above.
Our general retention period is 7 years from the date that our relationship with you, or the client with which you are connected, ends. We keep personal data for as long as it is required by us to perform our contractual obligations, or where longer to meet our legal or regulatory obligations.
We may keep your personal data for longer where this is necessary for statistical and historical research purposes. However, where we do this we will ensure all personal data is removed where technically feasible. We will maintain the security and protection of any personal data we hold.
To help us make fair, efficient and accurate decisions, we may use automated processes. We also use profiling to enable us to personalise our service offerings and related communications. Automated processes or profiling may be used to:
See also “Object to processing (Right to Object)” regarding your rights to object for this type of use of your personal data.
You also have certain rights relating to the personal data we hold about you which are outlined below, they may be subject to various exceptions and limitations. You can exercise these rights at any time by contacting us. We may need to validate your identity to fulfil your request.
You have rights to:
|Request access to the personal data we hold about you (Data Access Request)||
You may request access to a copy of the personal data we hold about you.
|Object to processing (Right to Object)||
You may object to us undertaking automated processes, or fully automating decision making, using your personal data except where used to detect, prevent and investigate fraud and other financial crimes.
|Request a copy of your personal data (Data Portability)||
Where you gave us the personal data directly or via the contract you have with us, and it was processed electronically, you can request the personal data we hold on you in a commonly used machine-readable format.
|Request that your personal data is deleted (Right to be Forgotten)||
Request that your personal data is deleted (Right to be Forgotten) You can ask us to delete the personal data we hold about you when it is no longer required for a legitimate business need, legal or regulatory obligations, where you have withdrawn your consent or is no longer required for the purposes it was collected.
|Amend or correct your personal data (Right to Rectification)||
If you believe that the personal data we hold about you is inaccurate, incorrect or incomplete, please contact us as soon as possible so we can update it.
|Restrict the processing of your personal data (Right to Restrict)||
You may ask us to restrict our processing of your personal data whilst we resolve any complaints you have about the way your personal data is used, require it for a legal claim, believe the personal data is not accurate, we no longer need the personal data, you have objected to the processing of your personal data or if you think our processing is unlawful but you do not want us to delete your personal data.
|Rights in relation to consent (Right to Withdraw)||
At any time, you may withdraw the consent you granted for your personal data to be used for direct marketing.
When you withdraw your consent, it will not affect the lawfulness of any past activities we have undertaken based on the previous consent.
If you have any concerns about the use of your personal data, or the way we handle your requests relating to your rights, you can raise a complaint directly with us using the contact details above.
If you are not satisfied with the way we handle your complaint, you are entitled to raise a complaint directly with the UK Information Commissioner’s Office via the details available on their website: https://www.ico.org.uk
For alternate EU Data Protection Authority contacts please see further information on the following link National Data Protection Authorities.
The value and income from a fund’s assets will go down as well as up. This will cause the value of your investment to fall as well as rise and you may get back less than you originally invested.