Legal

You should read our Copyright, Legal and Privacy statements carefully as you will be legally bound by them. We reserve the right to amend these statements at any time and to notify you by posting an updated version of the statements on this website. You will be deemed to have accepted the amendments by continuing to use this website.

Any reference to "we", "us" or "our" means Scottish Widows unless a particular Scottish Widows company is mentioned. Scottish Widows means Scottish Widows Group Ltd or any of its subsidiaries. 

Legal statement

3.1 The information contained within this website does not constitute financial, professional or investment advice. To confirm the suitability of any product or service for you, or to obtain any further information you may require, you should consult an independent financial advisor, who will be entitled to charge a fee for their advice.

3.2 This website is provided as a service by us and all information provided on this site is subject to change at any time. If you are in any doubt as to the information provided on the site, we recommend that you contact us directly or obtain independent financial advice prior to acting in reliance upon the information.

3.3 Whilst we have taken every reasonable care in the preparation of the content of this website, we do not accept any liability for any error or omission. Nor do we accept any liability for any errors in data transmission, machine, software or operating error or any other cause. Nor do we make any representations as to the availability, suitability, reliability or otherwise of this website or do we accept any liability for any loss whatsoever arising out of your use of this website.

3.4 All figures appearing on the website are for illustration purposes only. The completeness or accuracy of figures are not guaranteed and we do not accept any liability for any error or omission.

3.5 This website may contain material produced by third parties and links to other websites. These links and material are provided for general information purposes only and the sites concerned are not endorsed or promoted by us in any way. We do not accept liability in relation to any materials on websites that are not under our direct control.

3.6 We cannot guarantee that any email sent to us will be received or that the contents of the email will remain confidential during internet transmission.

3.7 Any dispute arising from the use or content of this website shall be subject to the Laws of Scotland.

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Information within this site is intended for UK authorised and regulated financial advisers only. It is not intended for onward transmission to retail customers and should not be relied upon by any other person. If you are not an adviser please return to our consumer site.

Scottish Widows is not responsible for the content of third party websites. Separate terms apply to the use of third party websites and Scottish Widows does not warrant the accuracy, reliability, availability or otherwise of these sites.

By using this site you agree to our terms & conditions of use. Please read our copyright, companies, legal and privacy information. We may record and monitor calls to help us improve our service.

Scottish Widows Limited. Registered in England and Wales No. 3196171. Registered office in the United Kingdom at 25 Gresham Street, London EC2V 7HN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 181655.

Scottish Widows Unit Trust Managers Limited. Registered in England and Wales No. 1629925. Registered Office in the United Kingdom at Charlton Place, Andover, Hampshire SP10 1RE. Tel: 0345 300 2244. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 122129.

HBOS Investment Fund Managers Limited, registered in England number 941082. Registered office in the United Kingdom at Trinity Road, Halifax, West Yorkshire HX1 2RG. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 119223.

Scottish Widows Bank is a trading name of Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales, no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.

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