Privacy and Cookie Policy

Privacy policy

“We”, “our” or “us” means M&G Plc (M&G). A list of entities that form this group is available HERE or on request by contacting us on the details below.

This privacy policy explains how M&G use the personal data that we collect through this website. It was last updated October 2019 – we will make changes to this policy from time to time by updating this page.

Please contact the Data Protection Office if you have any questions regarding this policy

M&G Data Protection Office
10 Fenchurch Avenue,
London,
EC3M 5AG

Email
Privacy@mandg.co.uk

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.

What personal data we collect from you

We collect the following personal data about you through this website:

• Your name and contact details:
  
• email address;
• postal address;
• mobile and fixed-line telephone numbers.
• date of birth.

On advisor sites:

• Your job title and business contact details (email, postal address and telephone);
  
• The charitable body, private investor, corporate entity, or other person or institution you represent for investment purposes, and/or to whom you provide financial advisory services;

For all registered users of the site:

• Log in details and pin numbers and/or passwords as necessary to set up and administer registered user accounts;
  
• Payment card details as necessary to facilitate your online purchases;
• Direct Marketing preferences;
• All personal data about you contained in free text boxes, including in relation to enquiries or comments submitted to us through this website;
• The IP address of the computer or device you are using to access our website (this is a number which recognises the computer or other device used to access the internet. A web server automatically collects IP addresses and uses them to administer a website).

How we use your personal data

We use your personal data for the following purposes:

• To respond to your enquiries or comments submitted through this website;
  
• To facilitate your online purchases and for all other administration that may be necessary;
  
• To inform you about investment products and services;
  
• To manage and administer our business, and for client management and business development purposes;
  
• To comply with our legal and regulatory obligations;
  
• To manage our risk, and ensure compliance with our internal policies and procedures;
  
• To prevent, detect and investigate fraud and other financial crimes;
  
• To establish, exercise and/or defend legal claims, to protect our business against fraud, theft, other financial or business crimes and/or other criminal activity;
  
• To monitor and manage communications to and from us using our communications systems;
  
• To protect the integrity and security of our systems;
  
• Where necessary as part of any restructuring relating to:
  
• M&G and its business or assets;
  
• As part of a sale of M&G or, as relevant, another company in M&G plc group, or its/their assets.

Direct Marketing and managing your preferences

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 plc. 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.

Sharing your personal data

• We share your personal data with:
• Other companies within the M&G plc Group for the purposes of managing our relationship with you;
• Our service providers who support us with providing these services;
• Our legal, tax and other professional advisors, and auditors;
• Tax, government and/or regulatory authorities;
• Prosecuting authorities and courts, and/or other relevant third parties connected with legal proceedings or claims;
• Fraud prevention and/or law enforcement agencies; and
• Third parties where we are required to do so by law.

The recipients set out above may be based in the UK, European Economic Area (EEA) or in countries outside the EEA.

Transfers of your personal data 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 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.

Retaining your personal data

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.

Profiling and Automated Decision Making

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:

• Open accounts – checks to ensure you meet the conditions needed, this may include checking residency, nationality and/or financial details;
• Tailor our services – We may place you in groups with similar customers. These are called customer segments. We may do this to study and learn about our customers to make decisions and tailor our services based on what we learn;
•  Help us detect and prevent fraud and other financial crimes – help to detect possible fraudulent or money-laundering activity or register an account is being used in an unusual way.

See also “Object to processing (Right to Object)” regarding your rights to object for this type of use of your personal data.

Your Data Subject Rights and how to exercise them

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. We can refuse to provide personal data where to do so may reveal another person’s personal data or would otherwise negatively impact another person's rights.
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. You may also object to us using your personal data for direct marketing purposes. This includes any profiling we perform as part of our direct marketing activities. Once we receive and have processed your objection, we will stop using your personal data for these purposes.
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.

Making a Data Protection complaint

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.

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 and 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 and 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	Cookies used
mandg.com	eupubconsent, _dc_gtm_UA-xxxxxxxx, OptanonAlertBoxClosed	1st Party
www.mandg.com	OptanonConsent	1st Party
myaccount.mandg.com	XSRF-TOKEN	1st Party
global.mandg.com	ASP.NET_SessionId, AWSALBCORS	1st Party
onetrust.com	_ _cfduid	3rd Party
auth.mandg.com	did_compat, auth0_compat, auth0, _csrf	3rd Party
cookielaw.org	_ _cfduid	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 and drive design change.

Cookie Subgroup	Cookies	Cookies used
pruadviser.co.uk	_ga	1st Party
www.mandg.com	sc.UserId, sc.ASP.NET_SESSIONID, RT, SessionCamTestCookie	1st Party
.pru.co.uk	_gat_xxxxxxxxxxxxxxxxxxxxxxxxxx	1st Party
global.mandg.com	s_cc, gpv	1st Party
mandg.com	AMCVS_210BDD9D56D6C97D7F000101%40AdobeOrg, s_sq, _gid, _gat, _gclxxxx, __utmt, __utmc, __utmb, __utmv, test, _gat_UA-, __utmz, __utma	1st Party
videomarketingplatform.co	AMCVS_210BDD9D56D6C97D7F000101%40AdobeOrg	3rd Party
ws.sessioncam.com	sc.ASP.NET_SESSIONID, sc.InStr	3rd Party

Targeting Cookies

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

Cookie Subgroup	Cookies	Cookies used
global.mandg.com	AMCV_210BDD9D56D6C97D7F000101%40AdobeOrg	1st Party
mandg.com	s_ecid	1st Party
assets.adobedtm.com	sessioncookie	3rd Party
doubleclick.net	IDE, test_cookie	3rd Party
dpm.demdex.net	dpm	3rd Party
www.linkedin.com	bscookie	3rd Party
ads.linkedin.com	lang	3rd Party
everesttech.net	everest_g_v2, ev_sync_dd, everest_session_v2	3rd Party
linkedin.com	li_gc, UserMatchHistory, bcookie, AnalyticsSyncHistory, lang, lidc	3rd Party
demdex.net	demdex	3rd Party
adsrvr.org	TDID, TDCPM	3rd Party

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‘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.