Scope of these Terms & Conditions
|Fund performance figures|
Your security responsibilities
Termination and cancellation of registration
Security & Privacy
M&G complaint handling policy
This website is operated by M&G Securities Limited and M&G Financial Services Limited. The various M&G financial products detailed on, or available through, this website are managed by the associated M&G companies detailed below.
M&G Securities Limited (authorised and regulated by the Financial Services Authority) is the Authorised Corporate Director of M&G Investment Funds (1), (2), (3), (4), (7), (8), (10), (11), the M&G Global Dividend Fund, the M&G Global Macro Bond Fund, the M&G Optimal Income Fund, the M&G Strategic Corporate Bond Fund and the Manager of the M&G Property Portfolio. Registered Office: Laurence Pountney Hill, London, EC4R 0HH. Registered in England No. 90776.
The M&G ISA is managed by M&G Financial Services Limited (authorised and regulated by the Financial Services Authority). Registered Office: Laurence Pountney Hill, London EC4R 0HH. Registered in England No. 923891.
Unless otherwise stated the portfolios of M&G funds are managed by M&G Investment Management Limited (authorised and regulated by the Financial Services Authority). Registered Office: Laurence Pountney Hill, London, EC4R 0HH.
M&G Securities Limited and M&G Financial Services Limited provide ISAs and other investments.
The information on our website is directed at persons in the United Kingdom and is not to be regarded as an offer to buy or sell, or the solicitation of an offer to buy or sell, securities or investments in any jurisdiction other than the United Kingdom. Specifically this website is not intended for use by any person in the United States. Shares in M&G Funds have not been and will not be registered under the United States Securities Act of 1933, as amended, or registered or qualified under the securities laws of any state of the United States and may not be offered, sold, transferred or delivered, directly or indirectly, to any investors within the United States or to, or for the account of, US Persons except in certain limited circumstances pursuant to a transaction exempt from such registration or qualification requirements. None of the shares have been approved or disapproved by the US Securities and Exchange Commission, any state securities commission in the United States or any other US regulatory authority, nor have any of the foregoing authorities passed upon or endorsed the merits of the offering of the shares or the accuracy or adequacy of the Prospectus. The Funds will not be registered under the United States Investment Company Act of 1940, as amended.
M&G companies do not offer investment advice or make any recommendations regarding investments. We only promote the packaged products and services of M&G Securities Limited and M&G Financial Services Limited.
If you need more information about M&G, please contact us. Alternatively, if you wish to obtain personal advice as to whether this investment is suitable for your needs you should consult a Financial Adviser. If you would like a list of Financial Advisers in your area visit www.unbiased.co.uk
The value to you of tax benefits will depend on your own circumstances, and tax rules may change in the future.
Any prices and other information on this website are solely to enable you to make your own investment decisions and do not constitute personal recommendations or advice. We sometimes use data from third party suppliers. These organisations may interpret data differently to M&G. This occasionally leads to inconsistencies between third party and M&G data. Please be aware of this when comparing information on these pages.
Past performance is not a guide to future performance. The value of your investment will depend on the performance of each fund and will vary from day to day. You may not get back the amount of your original investment.
Details of the latest estimated yields and prices for all funds can be found in the Prices section of this website or can be obtained by calling us on 0800 390 390. Prices for a selected range of funds also appear daily in the Financial Times.
Copies of each Prospectus, which provide a fuller statement of the investment and borrowing powers of the M&G funds and the Annual and Interim Report and Accounts, are available free of charge on request to M&G Customer Relations or can be downloaded via the ‘Library’ section of this website.
This website contains some information and services that are freely available and accessible to all United Kingdom based users and other information and services that are only available to those users who have registered with us. It is also possible to buy certain M&G financial products through this website. These Terms & Conditions govern the general use of this website; specific terms & conditions may apply in relation to the purchase of financial products through this website. Such additional terms & conditions will be detailed during the relevant purchase process.
We may change the content or availability of any of the information or services available through this website (including changing these Terms & Conditions) or add additional services. Any such change will not affect the terms applying to any financial product you have bought through this website unless those terms provide otherwise. We will give you reasonable notice of any change by indicating it on this website.
You are responsible for having suitable computer equipment and software to access this website and for all telephone, internet service provider and other costs incurred in accessing and using this website.
You are only permitted to use this website and the services available through it for your own personal, non-commercial purposes, and you may not in any way resell any of these services or make these services available to any third party.
You must not establish a link to any pages of this website without our prior written consent.
You agree that you will provide us with full and accurate details if you register on this website and will promptly notify us if those details change at any time. We may stop the provision of any services to you through this website if we discover that the details you have given to us are inaccurate or incomplete.
Whilst M&G uses every reasonable effort to ensure that the information contained on this website is current and accurate at the date of publication, no warranties are given, whether express or implied, as to the reliability, accuracy or completeness of the information.
No liability is assumed for any use, or misuse, of the information presented on this website.
M&G takes all reasonable steps to ensure the security of the website and your personal information. However, the nature of the internet is such that we cannot give an absolute guarantee of security. Our 'Security & Privacy’statement' details the measures we apply.
As you are probably aware, internet email cannot be guaranteed and is not secure. We recommend that you do not send any confidential information to us by email. If you choose to send any confidential information then you do so at your own risk. Instructions sent by you via email, and to this website, are processed exclusively at your risk.
Whilst M&G uses every reasonable effort to maintain the availability of this website we cannot guarantee this. This website may also change from time to time and we cannot guarantee the continuation of the services offered through it.
This website may contain, or be linked to, advice or statements from third parties. M&G make no representation as to the accuracy, completeness, timeliness or suitability of such information and we have not, and will not, review or update such information and caution you that any use made of such information is at your own risk. Some of the information contained on this website may also have been prepared or provided by third parties and may not have been verified by us. M&G hereby exclude any liability arising out of any preparation or provision of such information for this website and make no warranty as to the accuracy, suitability or completeness of any such information.
The links we provide from this website to other websites are provided for information only. We do not assume any responsibility or liability with respect to any website accessed via our website. We do not monitor or review any of the websites accessible through these links. Once you have used these links to leave this website you should note that we do not have any control over that other website. We therefore cannot be responsible for the protection and privacy of any information that you provide whilst visiting such websites and such websites are not governed by these Terms & Conditions. You should exercise caution and look at the privacy statement applicable to the website in question.
The presence of any advert on this website is not an endorsement of the goods, services or website advertised.
Except where indicated otherwise, all information, text, images and layout are our exclusive property. You are only permitted to print, copy, download or temporarily store extracts from this website for your personal use, provided that you do not change or remove any copyright notices. All intellectual and other property information shall continue to be held by us and no rights of any kind in it shall pass to you.
If you use this website to undertake transactions, as a registered user or otherwise, then you agree to comply with the security procedures referred to below.
You agree that you will be responsible for any instructions given to any member of the M&G Group whilst logged into 'My Account' and we will be entitled to treat such instructions as genuine, and act upon them, unless we have received from you prior notification of unauthorised use or disclosure of your PIN.
You agree that you will not:
Communications sent by us to you by email will be deemed received by you immediately upon sending. We will not be obliged to seek any acknowledgement of receipt from you in respect of such emails. We will not be liable to you for any delay or failure of delivery (for whatever reason) of any such email. If we have addressed such communications to your email address, then we will not have breached any duty of confidentiality owed to you, even if they are seen by any other person as a result.
Communications sent by you to us by email will be deemed received by us upon actual receipt by a system under our control.
Information contained within an email cannot be guaranteed as secure. We advise that you do not include any sensitive information when corresponding with M&G in this way.
If you have registered with us, we may cancel your registration by giving you not less than one month's notice. This will not affect the purchase of any financial products through this website if we have already received your instruction.
We may revoke your registration immediately if:
Upon cancellation of your registration, your right to access and use the services that are only available to registered users of this website will automatically terminate.
These Terms & Conditions are governed by English law and you agree to submit to the exclusive jurisdiction of the English courts.
We may, at any time, assign any or all of our rights or obligations under these Terms & Conditions to any member of the Prudential Group, or to any person which takes over from us all, or substantially all, of the business, which operates this website or provides the services available through it. We shall notify you of any such assignment, and with effect from the date of such notice or such later date as is specified by us, save to the extent otherwise specified by us in the relevant notice:
(a) all rights to enforce your obligations under these Terms & Conditions shall pass to our assignee; and
(b) our assignee shall perform all of our obligations under these Terms & Conditions, and you shall release us therefrom.
Any rights granted to you and obligations incurred by you under these Terms & Conditions are personal to you and may not be transferred to any third party. We may, at any time, sub-contract the performance of all or any of our obligations under these Terms & Conditions.
If we do not exercise any right or remedy which we have under these Terms & Conditions this does not mean we have waived our right to it or any other right or remedy of ours.
If any term or provision of these Terms & Conditions shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining terms or provisions, but such term or provision will be deemed modified to the extent necessary to render such term or provision enforceable.
Where you use the site to transact and it has been previously stated that a discount is available on the purchase of an investment, any such discount is only available to investors without a Financial Adviser. Where a Financial Adviser is present on an account, whether or not the Financial Adviser’s details are listed on the purchase, no discount can be applied.
You can be assured that M&G takes the security and privacy of your financial information very seriously. The measures that we apply are explained in this Security & Privacy Statement. The most up-to-date security measures in current commercial use have been established to ensure you can use this website with the utmost confidence.
You may visit this website without revealing any information about yourself. Where we request specific information, we will always respect the personal information you send us. We strictly follow the principles set out in the Data Protection Act 1998 and we take all reasonable steps to ensure your personal data is protected against unauthorised access. We will not request information unless it is necessary and will ensure appropriate measures are taken to keep information accurate, up-to-date and to prevent disclosure.
At appropriate places on this website, where we ask you to provide information about yourself, you may find a Fair Collection Notice which specifies what we do with your data and gives you an opportunity to opt out of our marketing programme. You can of course choose to opt out at any time by contacting us. The security of your information will be maintained at all times.
We will never sell your information to any other companies but may disclose your information to our service providers, regulators and other Prudential Group companies. This includes any person or company to whom we delegate responsibility for the administration, operation and/or maintenance of this website.
We use software to monitor what parts of this website customers visit so that we can continue to improve the service that we provide. This does not store any data about you personally.
We will only keep your information for as long as is necessary for the provision of the relevant services to you and for the purposes of compliance with our obligations in respect of tax and good practice as regards the keeping of business records.
We have established the following security control processes:
The following information explains what you should do if you wish to make a complaint against M&G, what you can expect from us in terms of resolving your complaint, and what options are available if you are not satisfied with our response.
How do I complain?
We are sorry if you have cause to complain to M&G. Your business is important to us and we will endeavor to resolve any concerns you may have fairly, effectively and promptly. However, please note that some complaints are more complex than others and may take some time to investigate.
If you wish to complain about any aspect of the service you have received please contact us either by writing to: Customer Relations, the M&G Group, PO Box 9039, Chelmsford, CM99 2XG, or by calling us free on 0800 328 3192 from 9.00am to 5.00pm, Monday to Friday. For your protection calls may be recorded.
You can also email firstname.lastname@example.org. When contacting us by email we suggest that you do not include any sensitive information for security purposes.
M&G complaint procedure
Your complaint will be investigated by a dedicated member of staff who was not directly involved in the matter that is the subject of your complaint. That person will either have the authority to settle your complaint or will have ready access to someone who has. We will also, where possible, take the appropriate action to prevent recurrence.
If you telephone us during our investigation and the member of staff handling your complaint is not available, then another member of our team will be more than happy to help you.
If not already resolved, we will send you a written acknowledgement of your complaint within five business days of its receipt.
If we are unable to resolve your complaint within four weeks of receipt, we will send you a letter explaining why we are not in a position to resolve your complaint and an indication of when we will make further contact.
If your complaint has still not been resolved within eight weeks of receipt we will send you:
a) a letter explaining why we have still not resolved your complaint with an indication of when you will hear further details from us, and
b) details of your right to refer your complaint to the Financial Ombudsman Service.
The Financial Ombudsman Service provides a free, independent and unbiased assessment of complaints referred to it. We generally regard the Ombudsman’s findings as binding. You are, however, still able to take private legal action if you do not agree with the Ombudsman’s decision.
We want out customers to be happy with our service and we endeavour to resolve any matters quickly and to our mutual satisfaction. We welcome feedback on any aspect of our service.
If you have any additional questions, or if the information we hold about you is incorrect, please contact us.
Under the Data Protection Act 1998, you may request details of personal information that we hold about you. A small fee will be payable. This will not exceed £10. If you would like a copy of the information held on you, please contact us.