"We", "our" or "us" means M&G Ltd and its subsidiaries, affiliates and their respective parent and subsidiary companies (“M&G”)
Please contact the Data Protection Office if you have any questions regarding this policy:
M&G Data Protection Office
Address: Governors House, Laurence Pountney Hill, London EC4R 0HH
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 information about you through this website:
- Your name and contact details:
- email address;
- postal address;
- mobile and fixed-line telephone numbers.
On adviser 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 information 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 information 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 the M&G Investments group, or its/their assets.
Direct Marketing and managing your preferences
With your consent, we use your personal information for direct marketing purposes, including sending you marketing communications about investment products and related services of the M&G Investments group. Direct marketing includes communications by post, email and telephone calls and such other electronic communication as may become relevant from time to time. 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 information with:
- Other companies within the M&G and Prudential groups 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 advisers, 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 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 EEA from time to time to members or businesses within the M&G and Prudential 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 information
We will retain your personal information 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 data for longer where this is necessary for statistical and historical research purposes. However, where we do this we will ensure all personally identifiable information is removed where technically feasible. We will maintain the security and protection of any information 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 information 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 information we hold about you (Data Access Request)
You may request access to a copy of the personal information we hold about you.
We can refuse to provide information 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 data (Data Portability)
||Where you gave us the information directly or via the contract you have with us, and it was processed electronically, you can request the data we hold on you in a commonly used machine-readable format.
|Request that your data is deleted (Right to be Forgotten)
||You can ask us to delete the personal information we hold about you when it is no longer required for a legitimate business need, legal or regulatory obligations or for the purposes it was collected for.
|Amend or correct your information (Right to Rectification)
||If you believe that the personal information 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 information (Right to Restrict)
||You may ask us to restrict our processing of your data whilst we resolve any complaints you have about the way your data is used, require it for a legal claim or if you think our processing is unlawful but you do not want us to delete your data.
|Rights in relation to consent (Right to Withdraw)
At any time, you may withdraw the consent you granted for your personal information 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: http://www.ico.org.uk
For alternate EU Data Protection Authority contacts please see further information on the following link National Data Protection Authorities.
Cookies and consent collection
Changing your cookie preferences
If you would like to update your Cookie settings for use on this website visit our Cookie Settings page:
Classification of cookies
Cookies can be classified by duration and by source
This Website uses both session and persistent cookies:
- Session cookies – a cookie that is stored temporarily and is destroyed when you close the link, specifically by closing the browser and terminating the particular ‘active session’ you are on and during which you made your visit to this website.
- Persistent tracker cookies – a cookie that enables a website to remember you on subsequent visits, speeding up or enhancing your experience of services or functions offered. These cookies are not deleted when you close your browser and they will remain on your computer or other device unless you choose to disable them (see above for how to do that).
Cookies can be classified as first party or third party cookies. First party cookies are those issued on behalf of the website visited, all other cookies are third party cookies. This website uses both first party and third party cookies.
Function of cookies
The cookies used on this website fall into the following categories.
Essential (‘strictly necessary’) cookies - these are essential in order to enable you to move around this Website and use its features.
Functionality and preference cookies - these cookies allow us to remember choices you make (such as language or the region you are in) and provide enhanced, more personal features. This site uses functional cookies to recognise you when you return, enabling us to personalise content for you and remember your preferences.
Performance cookies - these are used by web analytics and collect information in an anonymous form about how visitors use this website. They allow us to track site usage, page visits and monitor trends over time. The data collected is limited to managing the performance and design of this site. These cookies are third-party cookies (Google Analytics) but the information is in an anonymous form and is obtained for the exclusive use of M&G. For further details see ‘Google Analytics’.
Advertising cookies - we use persistent third-party cookies to track user history for advertising and targeted marketing purposes. We also use pixel tags or transparent GIF files (also known as beacons) in combination with cookies to target and personalise content. These cookies do not collect or otherwise process any specific personal information about you. They collect information in an anonymous form about how visitors use this website and other websites with the information used to tailor advertising or marketing on this website and other websites.
Other third party cookies - this website has links to other third-party websites, and that linking process may involve third-party cookies being placed on your machine or other device. We also use embedded widgets on this site to enable content sharing through social media networks. These widgets, such as Twitter or LinkedIn ‘Share’ / ‘Like’ button, will be made clearly visible to you on relevant pages of this site.
You can find out more about cookies at www.allaboutcookies.org and the site will give you guidance on how to control and delete unwanted cookies you have already accepted.
How to opt out for Cookies
There are a number of ways to opt-out for cookies. You can manage cookies through the Cookie settings screen on this site; or alternatively set your browser to either block all cookies; to only allow “trusted” sites to set them, or to accept cookies only from the websites that you are currently on. If you choose to block all cookies, you may experience problems accessing certain areas of this website.
If you would like to opt out of certain third party cookies on this website please follow the links below:
This table summarises the cookies which may be set on your machine or other device when it is used.
|Used by our load balancer to maintain your session with a single server
|Used by our server to know the requests are coming from you and to return you the appropriate content
|Buto hosts the videos that appear on our websites. The cookie allows for more efficient playback of videos
|Used to remember your cookie setting preferences
|Used to remember if you have closed our country selector
|Used to remember your agreement to our disclaimers
||Internet based advertising - A subsidiary of Google serving adverts and reporting on their performance
|Used to track your site activity so that we can send you emails that are related to your interests
||Facebook store cookies which allow the Facebook "Like" social sharing functionality
||Analytics - Provides data anonymously on the visits made to our website
|Google tag manager
||Analytics - Measures traffic and visitor behaviour to help us understand the impact of online advertising and social channels to help us improve our website
|Used to provide us with web analytics and intelligence. Provides data on interactions with our website.
|Monitors website to help protect against malicious attack
||Analytics - Quantcast provides website data including demographic, geographic and lifestyle information in relation to specific campaigns
|Used to track your site activity for this visit so that we can tailor content to your interests
||Functionality and profile
|Used to track your site activity for this visit so that we can tailor content to your interests
||Functionality and profile
||Twitter store cookies which allow their "Tweet" social sharing function