Privacy Policy and Cookies

Privacy Policy and Cookies


1. Introduction

This Privacy and Cookies Policy forms part of our website Terms & Conditions. It explains how we will use your personal information should that be collected through this Website. In addition, it explains how we use cookies.

You may contact us at privacy@mandg.com if you have any questions about this Policy. We may change it from time to time by updating this page.

Other sites linking to or from this Website will have their own privacy policies and we are not responsible for the privacy practices of the relevant operators.

2. Personal information collected

We may typically collect the following information about you through this Website. This is not a definitive list and details may change from time to time:

3. Purposes

We may typically use your personal information for the following purposes. This is not a definitive list and may change from time to time:

4. Data disclosures and data sharing

Your personal information may be shared as necessary with our service providers. They may be retained, for example, to provide services in relation to administration, direct marketing; website hosting and management; data storage and back up; and such other services as may be relevant to our business from time to time. This includes disclosures to any person or company to whom we delegate responsibility for the administration, operation and/or maintenance of this Website. In addition, we may disclose your personal information:

5. Data transfers

Your personal information may be transferred outside your own country. In particular, your personal information may be transferred to countries or territories outside the European Economic Area. M&G will seek to ensure your personal information is protected in those other countries or territories in accordance with applicable data privacy law.

6. Retention

In accordance with applicable data privacy law, we will retain your personal information for as long as is necessary for the relevant purposes described above.

7. Updating and obtaining copies of your personal information

If you believe the personal information we hold about you is inaccurate, incorrect or incomplete, please tell us as soon as possible. See “Contact Us” below. You may request copies of your personal information from us. All requests must be in writing (i.e. by post or by email)]. Please contact us for further details. See “Contact Us” below

8. Security

In accordance with our obligations under applicable data privacy law, we take all reasonable precautions to seek to keep your personal information secure, including precautions against unauthorised access or loss. Likewise, we seek to keep secure all confidential information you send to us. Our "Security" section on this Website contains more details about our website security measures. However, in common with all website operators, we cannot guarantee the security of any data transmitted by Internet email or through this Website.

9. Data anonymisation and aggregation

We may process anonymised or aggregated data which does not identify you. We may share it with other companies in the M&G Investments group or with other third parties. That data will not be subject to the relevant sections of this Privacy and Cookies Policy or to data privacy law. That data may be used for statistical analysis and administration, including analysis of trends, carrying out actuarial work, tailoring products and services, risk assessment and analysis of costs and charges in relation to our products and product support services, to compile (non-identifying) demographic data such as which pages of the Website are used most frequently (please refer to our Cookie Policy), sales, traffic patterns and related site information.

10. Direct Marketing and Managing Your Preferences

With your consent, we may 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 may include communications by post, email, telephone calls, SMSs, communications through third party instant messaging systems and such other electronic communication as may become relevant from time to time. You may unsubscribe from direct marketing from M&G at any time by following the instructions in the marketing communication itself or by contacting us through this Website. See “Contact Us” below.

11. Monitoring and interception of communications

Emails and telephone calls, SMSs, communications sent through this Website and communications through third party instant messaging systems (as relevant), as between you and M&G staff, may be monitored and, in specific circumstances, intercepted, for legal and regulatory compliance purposes; to address actual or potential HR disciplinary matters; to ensure the continuing security and integrity of M&G’s systems, business dealings, reputation or the security and reputation of M&G and its staff; and for all other purposes as may be required or permitted by applicable legal and regulatory obligations.

12. IP Addresses

An IP address is a number which recognises the computer or other device used to access the Internet. Typically, a web server automatically collects IP addresses and uses them to administer a website. IP addresses are typically used in conjunction with cookies for the purpose of “remembering” computers or other devices used to access this Website. For further details see “Cookies” below.


Cookies and consent collection

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. On your first visit to our home page a banner appeared to make it clear that this Website used cookies and to direct you towards this Privacy and Cookies Policy. It was explained to you on that first visit that by continuing to browse this website you would be agreeing to our use of cookies. This means that by using this website, you are deemed to be giving your consent to our use of cookies in the manner set out below.

Classification of cookies

Cookies can be classified by duration and by source

Duration: This Website uses both session and persistent cookies:


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. For further details, see below.

Function of cookies

The cookies used on this website fall into the following categories (these categories are based on the UK International Chamber of Commerce cookie guide)

Essential (classified as ‘strictly necessary’) cookies: these are essential in order to enable you to move around this Website and use its features, such as by accessing secure areas such as the ‘My Account’ function. A session cookie is only stored on your computer’s hard drive for the duration of your visit (known as an ‘active session’), it is removed as soon as the active session has ended.

Functionality 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. M&G uses functional cookies to recognise you when you return to this Website, enabling us to personalise our 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.

DoubleClick by Google - ad management and serving solution that helps agencies and advertisers manage the scope of digital advertising programmes.

Other third party cookies: this website may link through to 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 Facebook ‘Share’ or ‘Like’ button, will be made clearly visible to you on the pages of this Website which you visit.

Opt Out for Cookies:

There are a number of options available to opt-out for cookies. You can 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.

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.

If you would like to opt out of certain third party cookies on this website please follow the links below:

Google Analytics

Double Click

Cookies table

This table summarises the cookies which may be set on your machine or other device when it is used.

Third Party CookieType of Cookie
Provides data anonymously on the visits made to our website
Google tag managerAnalytics
Measures traffic and visitor behaviour to help us understand the impact of online advertising and social channels to help us improve our website
Quantcast provides website data including demographic, geographic and lifestyle information in relation to specific campaigns
DoubleclickInternet based advertising
A subsidiary of Google serving adverts and reporting on their performance
ButoVideo hosting
Buto hosts the videos that appear on our websites. The cookie allows for more efficient playback of videos
Monitors the website to ensure there are no performance issues
Monitors website to help protect against malicious attack
FacebookSocial sharing
Facebook store cookies which allow the Facebook “Like” social sharing functionality
TwitterSocial sharing
Twitter store cookies which allow their “Tweet” social sharing function
LivePerson ChatLive Engagement
LivePerson stores session information required by the ‘chat’ function to ensure queries are directed to the correct people with the correct skillsets