Legal 

Using our website and accepting our terms

Please read this information carefully. By using this website you confirm that you have understood and agree to be bound by the terms and conditions set out on this page, by our Privacy and Security statement and by our Cookie Notice. If you do not wish to agree to these terms and conditions, our Privacy and Security statement or our Cookie Notice, you must not use this website. 

This is a website operated by Prudential Distribution Limited (“our” or “we” for the purposes of these terms and conditions). Prudential Distribution Limited is registered in Scotland under registration number SC212640 and its registered office is at Craigforth, Stirling FK9 4UE. Prudential Distribution Limited is authorised and regulated by the Financial Conduct Authority.

This website and the information provided on it are for the use of permanent residents of the United Kingdom only. By using this website, you represent and warrant that you meet these requirements. If you do not meet these requirements, you should not use this website.

Personal use only 

Our website is designed for use by individuals who are existing customers of Prudential only and must not be used in any way for commercial purposes. 

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 on reasonable notice and, if appropriate, pursue legal action against you.  

Our suspension or withdrawal of access may be immediate where we believe there are serious grounds for doing so. 

Jurisdiction

Prudential controls and operates this website from England and the information delivered via the website is deemed to have been delivered in England. Prudential makes no representation that the material contained is appropriate or available for use in other locations outside the United Kingdom and is not soliciting any business from any location outside the United Kingdom.

This website is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence or otherwise) the publication or availability of this website is prohibited. Persons to whom such restrictions apply must not access this website. If you choose to access this site from outside the United Kingdom you are solely responsible for compliance with local laws.

This website and any transaction effected through it are governed by English law and the English courts shall have jurisdiction in any legal proceedings.

Regulatory Notices

Nothing contained in this website should be construed as a solicitation, offer or recommendation to buy or sell any investment. By providing the information on this website, Prudential is not determining the suitability of any investment for any investor. Nor does the information on this website constitute investment advice. You should obtain relevant professional advice before making any investment decision.

Disclaimer

The material published on this website is provided as a convenience to visitors and should be used for information purposes only. If you require additional information, you should contact us by letter, telephone or email. 

Changes

We reserve the right to change any material on this website without notice. 

  • We may update the terms and conditions set out on this page, in our Privacy and Security statement and in our Cookie Notice from time to time. By continuing to use this website after we make any such updates, you confirm that you have understood and agreed to be bound by them. You should revisit the relevant pages regularly to ensure that you have seen and are aware of the current terms and conditions, the current Privacy and Security statement and the current Cookie Notice, as they are binding upon you.

Viruses, Hacking & Other Offences

We do not guarantee that our website will be free from bugs, malicious programs or materials or viruses. 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.

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

Our liability to you

Nothing in these terms and conditions excludes or limits our liability for:

  • death or personal injury as a result of our negligence; or
  • fraud or fraudulent misrepresentation.

We exclude all other conditions, warranties, representations or other terms which may apply to our website or any content on it, whether express or implied.

We will not be liable to you for any loss or damage (even if foreseeable) arising under or in connection with:

  • use of, or inability to use, our website;
  • use of or reliance on any content displayed on our website; or
  • viruses, 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 our website or to your downloading of any content on it, or on any website linked to it. 

We accept no liability for the information contained on any third-party websites linked to on our website and we will not be liable for any loss or damage that may arise from your use of them. 

Linking 

Where our website contains links to other websites and resources provided by third parties, these links are provided for your information only.  We have no control over the contents of those sites or resources and we accept no responsibility for them. 

You must not link our website in any other website without our permission. 

Intellectual Property Rights

The Prudential name and logo are our registered trademarks. We own or licence of all copyright in our website, as well as the content, trademarks or other material published on it. 

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

You must not use, extract or reproduce our trademarks or any content from our website for commercial purposes without first obtaining the written consent of Prudential or any party which licenses any content to us.

How to complain if you’re not happy about a product or service

We aim to provide excellent products and service at all times. If you feel you have cause to complain about a product or service we have provided to you, please contact us:

  • By telephone:
    • AVC: 0345 600 0343
    • GAVC: 0345 600 0383
    • MPP: 0345 300 2634
  • By email: Please use our secure email service to make an enquiry
  • By letter: Please write to Customer Relations Unit, Prudential, Lancing, BN15 8GB

One of our customer service agents will deal with your complaint and will try to provide a quick and satisfactory conclusion for you.

So that we can try to resolve your complaint, please provide us with the following information when you contact us:

  • Your full name and address (including your policy number(s))
  • Full details of your complaint
  • Any information you consider to be relevant to your complaint

We hope you will be happy with the handling and outcome of your complaint. We will always try to reach an agreeable solution with our customers, but appreciate there may be occasions when this is not possible. If you remain dissatisfied, you may be able to refer the matter to the following organisations:

For a mis-selling complaint, you can contact the Financial Ombudsman Service (FOS)

Financial Ombudsman Service (FOS)

Exchange Tower

London

E14 9SR

Telephone: 0800 023 4567

Email: complaint.info@financial-ombudsman.org.uk

Website: www.financial-ombudsman.org.uk

For a servicing of your policy complaint, you can contact the Pensions Advisory Service

The Pensions Advisory Service (TPAS)

11 Belgrave Road

London

SW1V 1RB

Telephone: 0300 123 1047

Email: enquiries@pensionsadvisoryservice.org.uk

Website: www.pensionsadvisoryservice.org.uk

If you remain dissatisfied with the servicing of your policy complaint, you can contact The Pensions Ombudsman

The Pensions Ombudsman (PO)

11 Belgrave Road

London

SW1V 1RB

Telephone: 0207 630 2200

Email: enquiries@pensions-ombudsman.org.uk

Website: www.pensions-ombudsman.org.uk

The FOS is an independent body that handles disputes between businesses providing financial services and their customers

TPAS is an independent, government funded body that gives free advice to members of the public. They don’t have any statutory powers and can only effect a resolution through persuasion and conciliation.

The PO is an independent organisation, set up by law, to investigate complaints about pension administration. They have legal powers that are final, binding and enforceable in court. 

Information About Us

Wherever the name Prudential is used on our website this refers to one or more of the trading companies of Prudential that operate in the UK. For more information about Prudential’s companies, please go to About us.

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.

General

If any part of these terms and conditions or our Privacy and Security Statement or our Cookie Notice is found to be invalid, unenforceable or unlawful by any court of competent jurisdiction, such part shall to that extent be severed from the remaining provisions all of which shall remain in full force and effect as permitted by law.

Failure by us to exercise any right or remedy under these terms and conditions or our Privacy and Security Statement or our Cookie Notice 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.

These terms and conditions, our Privacy and Security Statement and our Cookie Notice are governed by English law and in the event of a dispute you agree that the courts of England and Wales will have non-exclusive jurisdiction.