Terms and Conditions

Introduction

When you visit this website, you are acknowledging that you have read and accepted these Terms and Conditions, our Privacy page and our Cookie notice. If you do not accept each of these terms then you should stop using this website.

This website is designed for use by professional financial advisers in the United Kingdom (“UK Advisers”) only. You should not use this website if you are not a UK Adviser.

You should also review the Legal notice page. It includes important company information and regulatory details about the relevant Prudential entity operating this website.

Parts of this website is restricted to users with Unipass or Assureweb login details. If you are a Unipass or Assureweb user, you must also comply with the Terms of Business.

Information about us

Wherever the name Prudential is used on our website this refers to one or more of the trading companies of M&G plc that operate in the UK. For more information about Prudential, please go to https://global.mandg.com/.

Prudential is not affiliated in any manner with Prudential Financial, Inc., a company whose principal place of business is in the United States of America.

This website is operated by Prudential Distribution Limited (the "Company", "we", "us" or "our"). We are registered in Scotland under company registration number SC212640 and our registered office is at Kildean, Stirling, FK9 4UE. 

Our principal place of business is 3 Sheldon Square, Paddington, London W2 6PR. 

Our VAT number is 235 3237 81 and we are authorised and regulated by the Financial Conduct Authority.

General information

The information on this website is of a general nature only. The website is designed for use by UK Advisers only. People who are not UK Advisers should use our Customer website.

The information on this website does not constitute a contractual offer. While we use all reasonable efforts to ensure that the information on this website is current, accurate and complete at the date of publication, we make no guarantees that it is reliable, accurate or complete. 

If you are outside of the United Kingdom, you are solely responsible for checking whether the information on this website is consistent with local laws or other requirements or laws which may apply.

We make no guarantee that this website will be:

• Available on an uninterrupted basis

• Free from errors, defects, bugs, viruses or other malicious programs or materials

We may suspend, withdraw, discontinue or change all or any part of this website without notice. We will not be liable to you if for any reason this website is unavailable at any time or for any period.

If (i) you are mis-using our website or (ii) you are using our website in breach of any law or these Terms and Conditions, we may suspend or withdraw your access immediately and, if appropriate, pursue legal action against you.

Links and downloads

Links from this website exist for convenience and information only. The existence of a link to another website does not imply or express endorsement of the provider, product or services by us and we accept no responsibility or liability for the information contained on any other websites and any loss or damage that may arise from your use of them. 

Any software you download from this website is at your own risk. We do not warrant the suitability of any such downloads and accept no liability for any problems with your computer that may arise as a result. If you have any concerns relating to software to be downloaded you should seek specialist advice.

Linking to the website

You must not establish a link to this website in any other website, or suggest any form of association, approval or endorsement on our part where none exists.

Viruses, hacking and other offences

You must not misuse our website by knowingly introducing viruses, Trojans, worms, logic bombs or other material which is technologically harmful or malicious.

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. In the event of such a breach, your right to use this website will cease immediately. 

You are responsible for configuring your information technology, computer programmes and platform in order to access our website. You should use your own virus protection software.

Intellectual property rights

We are the owner or the licensee of all intellectual property rights on this website and in the material published on it. These works are protected by copyright laws and treaties around the world. All such rights are reserved.

Unless specifically prohibited by a notice published on any page, you may download or print individual sections of the website for personal information and use only, provided that you retain all copyright and other proprietary notices contained in it.

You may not reproduce (in whole or in part), modify, decompile, assemble or transmit or use for any commercial purpose, any information on this website without contacting us or the relevant party and obtaining prior written consent.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

If you print off, copy or download any part of this website in breach of these Terms and Conditions, your right to use this website will cease immediately and you must, at our option, return or destroy any copies of the materials that you have made.

Our liability

To the extent permitted by law, we and other trading companies of M&G plc hereby expressly exclude:

• all conditions, warranties, representations and other terms which might apply to our website or any content on it, whether express or implied; and

• any liability for any direct, indirect or consequential loss or damage incurred by you in connection with:

1. our website or in connection with the use, inability to use, reliance on the content displayed on the website, results of the use of this website, any websites linked to it, any materials posted on the website, including loss of: income, revenue, business, profits, contracts, anticipated savings, data, goodwill or wasted management or office time and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable;

2. any problems with or damage to your computer as a result of your use of this website or downloading software via this website; or

3.  any loss or damage caused by a virus, 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 this website or to your downloading of any content on it, or on any website linked to it.

This does not affect our liability for death or personal injury arising from our negligence or our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter or any other liability that cannot be excluded or limited under applicable law.

Your liability

If you breach any of these Terms and Conditions, we will have the right to claim damages, and such claim will include the right to claim for special, incidental, consequential or indirect damages, loss of profits and loss of business and we will be entitled to recover legal costs.

How to contact us

We welcome your views about our website. If you are a UK Adviser and have any general comments or queries, refer to our Contact Us page to get in touch.

Privacy

We take the privacy of the visitors to this website seriously, and make sure that information is managed securely. Learn more by visiting our Privacy page.

Cookies

This website uses cookies to enhance your browsing experience and help us make this website better. Our Cookie notice contains more details about cookies.

Changes to these Terms and Conditions

We reserve the right to revise these Terms and Conditions at any time without prior notice and will post the amended Terms and Conditions on this website. You should check this website from time to time to take notice of any amendments we make, as they are binding on you. By continuing to use this website after we make any such amendments, you confirm that you have understood and agreed to be bound by them. Some of the provisions in these Terms and Conditions may also be superseded by provisions or notices published elsewhere on this website.

These Terms and Conditions are reviewed annually and were last updated in October 2019.

We reserve the right to change the content, presentation, performance, facilities and availability of all or part of this website at our sole discretion and without prior notice.

Applicable law

Any use of any part of this website (whether publicly accessible or not) shall be governed by English law. In the event of any dispute, the relevant parties shall irrevocably submit to the exclusive jurisdiction of the courts of England and Wales.

Severability

If any part of these Terms and Conditions is found to be invalid, unenforceable or unlawful by any court of competent jurisdiction, such part shall to the extent possible be severed from the remaining terms all of which shall remain in full force and effect as permitted by law.

Waiver

Failure by us to exercise any right or remedy under these Terms and Conditions 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.