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 our Privacy Statement. If you don't agree to these terms and conditions or our privacy and our Cookie Notice, 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

Wherever the name Prudential is used on our website this refers to one or more of the trading companies of Prudential that operate in the UK. For more information about Prudential’s companies, please go to About us page.

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 or Prudential plc, an international group incorporated in the United Kingdom.

Pru.co.uk is a website operated by Prudential Distribution Limited. We're registered in Scotland under company number SC212640 and have our registered office at 5 Central Way, Kildean Business Park, Stirling FK8 1FT.

Prudential Distribution Limited is authorised and regulated by the Financial Conduct Authority.

‘M&G Wealth Advice’ is a trading name of M&G Wealth Advice Limited which is registered in England and Wales. Registered office at 10 Fenchurch Avenue, London EC3M 5AG. Registered number 5739054. Authorised and regulated by the Financial Conduct Authority.

Jurisdiction

Prudential controls and operates this website from England and the information delivered via the website is deemed to have been delivered in England. Prudential 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, Prudential 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, Prudential 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. 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 Statement and our Cookie Notice 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 Security Statement and the current Cookie Notice, as they are binding upon you. 

Services on the website

We offer a number of services on our website for you to use at your convenience. We reserve the right to change, 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. An example of one of these services is Online Death Notification.

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.

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 our website in any other website without our permission.

Intellectual Property Rights

The Prudential 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 Prudential 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

Email: complaint.info@financial-ombudsman.org.uk

Website: www.financial-ombudsman.org.uk

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

General

If any part of these terms and conditions or our Privacy and Security Statement or our Cookie Notice 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 Security Statement or our Cookie Notice 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 Security Statement and our Cookie Notice 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.