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Terms & Conditions

Please read this information carefully as it contains certain legal and regulatory restrictions in relation to the information contained on this website. This website is operated by Calvin Capital Limited.

Calvin Capital Limited is registered in England and Wales under number 6312177, with registered offices 4th Floor, 19 Spring Gardens, Manchester, M2 1FB.

Continued access to this website is your confirmation that you have understood and agreed to be bound by all of these Terms and Conditions.


The information published on the Calvin Capital website is provided as a convenience to visitors and should be used for information purposes only and is subject to change without notice.

Change will be effective from the date and time that they are first posted on the website.

Whilst we use all reasonable efforts to ensure that the information contained on its website is current, accurate and complete at the date of publication, no representations or warranties are made (express or implied) as to the reliability, accuracy or completeness of such information. We therefore cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken in reliance on, any information appearing on this website. Content and information provided by third parties other than Calvin Capital is identified expressly or impliedly where it appears. We publish this third party content as supplied to us and are not responsible for its accuracy or timeliness. You must take appropriate steps to verify this information before acting upon it. In addition, no warranty is given as to the freedom of this website from errors, defects, viruses or other malicious programsor macros.


The information contained in this website is not for use within any country or jurisdiction where such use would constitute a violation of law.

In particular, the information on this website is not for distribution and does not constitute an offer to sell or the solicitation of any offer to buy any securities in the United States of America to or for the benefit of United States persons being resident in the United States of America or partnerships or corporations organised under the laws of the United States of America or any state, territory or possession thereof. Some products or services mentioned on this website may not be available in some jurisdictios.

Information given in this document has been obtained from, or based upon, sources believed by us to be reliable and accurate although we do not accept liability for the accuracy of the contents. Stet does not offer investment advice or make recommendations regarding investments.

Applicable Law

This website is established by Calvin Capital Limited in England. Any use of it shall at all times be governed by English law and, in the event of any dispute, the relevant parties shall irrevocably submit to the exclusive jurisdiction of the English Courts. To the extent that any part of these conditions of use is found to be invalid, unlawful or unenforceable by any court of competent jurisdiction such part shall to that extent be severed from the remaining terms all of which shall remain in full force and effect as permitted by law.

Disclaimer of third party [information and] websites

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 site is not an endorsement of goods, services or website advertised.

Copyright notice

The entire contents of this website are the property of Calvin Capital Limited except where otherwise indicated by a third party's proprietary notice and are subject to copyright with all rights reserved.

Unless specifically prohibited by a notice published on any page, you may download or print individual sections of the website for personal use and information only provided that you retain all copyright and other proprietary notices. You may not reproduce (in whole or in part), modify, decompile, disassemble or transmit or use for any commercial purpose whatsoever any information from this website without contacting Calvin Capital Limited or the relevant party and obtaining their prior written consent.

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.


You may visit this website without revealing any information about yourself. Where we request specific information, we will always respect the personal information you send us. We follow the principles set out in the Data Protection Act 1998 and we take all reasonable steps to ensure your personal data is protected against unauthorised access. We will not request information unless it is necessary and will ensure appropriate measures to keep information accurate, up-to-date and to prevent unauthorised disclosure.

At appropriate places on this website, where we ask you to provide information about yourself.  You can of course choose to opt out at any time by contacting us.

We will never sell your information to any other companies but may disclose your information to our service providers, regulators and other Prudential Group companies. This includes any person or company to whom we delegate responsibility for the administration, operation and/or maintenance of this website.

We use software to monitor what parts of this website you visit so that we can continue to improve the service that we provide. This does not store any data about you personally.

We will only keep your information for as long as is necessary for the provision of the relevant services with you and for the purposes of compliance with our legal obligations in respect of tax and good practice as regards the keeping of business records.


Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. They are used to help you navigate websites efficiently and perform certain functions.

Cookies can be classified by duration and by source:

Session cookies – a cookie that is stored temporarily and is destroyed when you close the linkPersistent 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.

Cookies can be classified as first party or third party cookies if they are either issued by the web site that you are visiting or by a site other than the one you are currently surfing.

The cookies used by Calvin Capital fall into the following categories:

Essential (classified as ‘strictly necessary’) cookies: these are essential in order to enable you to move around the website and use its features, such as accessing secure areas. 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.Performance cookies: these are used for web analytics to track site usage, page visits and monitor visitor trends over time. The data collected is limited to managing the performance and design of the site. These cookies are third-party cookies (Google Analytics) but the information obtained is for the exclusive use of Calvin Capital and its parent group companies.

Functionality cookies: these allow the website to remember choices you make (such as language or the region you are in) and provide enhanced, more personal features.

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 compromise your privacy or security as they do not hold any specific personal data about you:

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

Cognesia – deliver interactive business intelligence solutions to identify and utilise visitor behaviour data on digital channels such as web, tv and mobile.

Other third party cookies - we also use embedded widgets on some sites to enable content sharing through social networks. These widgets, such as a Facebook “Share” or “Like” button, will be visible to you on the page you visit. We do not control the use of these cookies and you should check the third-party website to understand their data collection practices and controls.

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 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

  • DoubleClick

  • Cognesia

To opt out of Cognesia, you’ll need update your browser settings. Please refer to above for the options.