This website (http://www.mandg.fi/private-investors/) is operated by M&G Securities Limited. M&G International Investments Limited is registered and incorporated in England and Wales (registration no. 90776) and is authorised and regulated by the Financial Conduct Authority (FCA). The FCA is located at 25 The North Colonnade, London, UK, E14 5HS. Information on the FCA’s rules and guidance, including information about passporting rights M&G Investment Management Limited has exercised, can be found at www.fca.org.uk
M&G Securities Limited (registered in England and Wales No. 90776 and authorised and regulated by the FCA) is the Authorised Corporate Director (ACD) of the M&G Funds registered for investment. M&G Securities Limited has delegated to M&G International Investments Limited the role of Global Distributor of the Funds. M&G Securities Limited is registered on the FCA's register, No. 122057
Both M&G International Investments Limited and M&G Securities Limited are subsidiaries of M&G Limited (registered in England and Wales No. 1048359 and authorised and regulated by the FC A). The Registered Office of M&G International Investments Limited, M&G Securities Limited and M&G Limited is Laurence Pountney Hill, London, EC4R 0HH, United Kingdom.
The companies are registered for VAT, number GB235 3237 81.
Purchases of any Fund should be based on the current prospectus. The prospectus, Key Investor Information Document (KIID), annual report and subsequent semi-annual report, are available free of charge from the ACD: M&G Securities Limited, Laurence Pountney Hill, London, EC4R 0HH, GB, or from M&G International Investments Limited: German branch, mainBuilding, Taunusanlage 19, 60325 Frankfurt am Main or on this Website.
Legal and regulatory information
The information on our website is not directed at persons who are located in the United Kingdom or United States or other persons who are subject to restrictions on the purchase of investment shares, for example due to their nationality.
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. Not all of The Funds are necessarily registered for sale to investors in every country.
The information contained within is not to be taken as recommendation or advice. M&G does not provide investment advice to investors located in Finland. If you need more information about M&G, please contact us.
The value to you of tax benefits will depend on your own circumstances. The tax regime for the Funds could change in the future. M&G does not provide tax information or advice to investors located in Finland or on the Finnish tax regime. For further information on the tax treatment, each investor should seek tax advice in the relevant jurisdiction.
Fund performance figures
The figures and charge relating to performance are based on the total return of the Funds and are calculated in Euros.
All prices refer to Accumulation shares. Unless otherwise stated the annual performance has been calculated since inception.
Any prices and other information on this website are solely to provide potential investors with generic information regarding the Funds and do not constitute personal recommendations or investment 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. You may lose all of your original investment.
Scope of these Terms & Conditions
These terms and conditions govern the general use of this website.
This website and services
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 services. 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 information and services available through it for your own personal, non-commercial purposes, and you may not in any way resell any of the information or these services or make this information or these services available to any third party.
You must not establish a link to any pages of this website without our prior written consent.
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.
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.
Disclaimer of third party information and websites
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.
Your use of this website
You agree that you will not:
• place on this website any information which is abusive, illegal, libellous, pornographic, discriminatory or otherwise offensive;
• send or place any information that contains a virus or otherwise harmful content;
• interfere with the operation or content of this website. Any attempt to damage this website may be illegal and we reserve the right to seek damages from any such perpetrator.
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.
These Terms & Conditions are governed by English law and you agree to submit to the jurisdiction of the English courts. These terms neither exclude nor limit any of your mandatory rights in your country of residence that cannot by law be waived. As a retail client you may choose to bring the dispute to the court of your place of residence.
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:
• all rights to enforce your obligations under these Terms & Conditions shall pass to our assignee; and
• 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.
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 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.
We have established the following security control processes:
• System monitoring
M&G has established effective host, firewall and intrusion detection security measures through the use of industry standard third party security tools. We have 24 hour monitoring arrangements in place to support these measures and our procedures and controls are subject to regular risk assessment and review to ensure they remain effective.
• Fraud – Misuse of M&G name
If you have elected to receive communications from M&G via email, such as previews, information and special offers, it is important to note that you will never receive an email from us asking you to divulge any personal information. From time to time, the M&G name and logo have been misused by organisations and individuals unconnected to M&G for fraudulent purposes. These misuses include unsolicited communications with requests for money and personal details, and claims that M&G is the guarantor of financial transactions. If you receive an email message or any other communication that looks suspicious or you feel that you may have been a victim of a fraudulent scheme involving the M&G name or logo, please do not respond to it and notify us immediately. We generate our own email content but for efficiency purposes despatch them via an automated system operated by a third party supplier. To ensure our emails always make it to your inbox you can add email@example.com to your email address book or safe senders list. The security of your information is maintained at all times.
If you have any additional questions, or if the information we hold about you is incorrect, please contact us.