Copyright, Companies, Legal and Privacy
The pages of this website are prepared and issued in the United Kingdom and are intended for the information and use of United Kingdom residents only.
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 as defined below: unless a particular Scottish Widows company is mentioned.
1.1 Unless otherwise indicated, Scottish Widows Limited is the owner of the copyright and all other intellectual property rights (existing anywhere in the world) in this website, its pages, the screens displaying the pages, the information and material therein and the arrangement thereof.
1.2 The Scottish Widows' logos, icons and images are registered trademarks of Scottish Widows Limited, including the image of the Widow herself.
1.3 This website may not be reproduced or adapted in whole or in part without the prior consent of Scottish Widows Limited, except for the purpose of accessing our products and/or services and for producing print outs for your own personal records.
2. SCOTTISH WIDOWS COMPANIES
Scottish Widows means Scottish Widows Group Ltd or any of its subsidiaries. Important Scottish Widows companies include the following:
Scottish Widows Limited
Company No. 3196171
25 Gresham Street
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register no. 181655.
Scottish Widows Services Limited
Company No 189975
69 Morrison Street
Our other companies and their addresses
Scottish Widows Bank plc
Company No 154554
67 Morrison Street
VAT registration number: 244155576
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register no. 201601.
Scottish Widows Unit Trust Managers Limited
Company No. 1629925
Hampshire SP10 1RE
Authorised and regulated by the Financial Conduct Authority, register no. 122129.
Scottish Widows Fund Management Limited
Company No. 74517
15 Dalkeith Road
Authorised and regulated by the Financial Conduct Authority, register no. 119359.
All of the above companies are part of the Lloyds Banking Group.
The Financial services register can be accessed at http://www.fca.org.uk/register/.
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 Upon completion, to ensure that your personal data does not appear when the computer is next used, you should logout of the Service and close the web browser. Scottish Widows cannot accept any liability for your failure to do so.
3.8 Data Protection Act 1998: We are obliged to comply with the Data Protection Act 1998. Under this Act you are entitled to request a copy of the information we hold about you and if the details are inaccurate, you may request that we amend them. You should do so by writing to: Scottish Widows, 15 Dalkeith Road, Edinburgh, EH16 5BU. Please note, under the Act we are entitled to charge a fee for any such request.
3.9 Third party websites are not covered by our privacy policies.
3.10 We will never ask you for security information, such as your PIN number, you must keep this secure, and shouldn't disclose it to anyone. There have been a number of fake e-mail scams asking people to go to a website and enter confidential information such as credit card numbers or log in details. Scottish Widows will never send an e-mail asking for any policy/account numbers or security details to be recorded online. If you receive such an e-mail you should delete it immediately without responding.
3.11 The Scottish Widows website uses Secure Sockets Layer (SSL) technology where appropriate to encrypt data as it is passed to yourself and back again. SSL is now supported by all major browsers and is generally accepted as a way of doing business securely over the internet. However this technology is not 100% safe. If for any reason you are not completely sure of the safety of your connection, do not access this site. Scottish Widows accepts no responsibility for data loss during an unsafe connection.
3.12 Any dispute arising from the use or content of this website shall be subject to the Laws of Scotland.
How your personal information is used by Lloyds Banking Group Companies
Looking after your information
The Data Protection Act requires Lloyds Banking Group companies to manage personal information in accordance with the Data Protection Principles. In particular, our Group of companies is required to process your personal information fairly and lawfully. This means that you are entitled to know how we intend to use any information you provide. You can then decide whether you want to give it to us in order that we may provide the product or service that you require. All our employees are personally responsible for maintaining customer confidentiality. We provide training and education to all employees to remind them about their obligations. In addition, our policies and procedures are regularly audited and reviewed.
Who we are
Your information will be held by Scottish Widows which is part of the Lloyds Banking Group.
More information on the Group can be found at www.lloydsbankinggroup.com.
Where we obtain your information
Your personal information will be held securely in Lloyds Banking Group systems so that we and any other companies in our Group that you have dealings with, either now or in the future, can manage your relationship with us. This will include information you provide when you apply to us, and any additional information provided by you or others in various ways, including:
a. in applications, emails and letters, during telephone calls and conversations in branch, when registering for services, in customer surveys, when you participate in competitions and promotions, through Lloyds Banking Group company websites, and during financial reviews and interviews.
b. from analysis (for example, the amount frequency, location, origin, and recipient) of your payments and other transactions, and your use of services involving other Lloyds Banking Group companies and what they know from operating your account; and
c.information Lloyds Banking Group companies receive from each other, from our business partners, and from other organisations such as credit reference agencies and fraud prevention agencies.
We will not retain your personal information for longer than is necessary for the maintenance of your account, or for legal or regulatory requirements.
How we share your information
We may share the personal information we hold about you across the Lloyds Banking Group for the following administrative activities:
a. providing you with products and services and notifying you about either important changes or developments to the features and operation of those products and services;
b. responding to your enquiries and complaints;
c. administering offers, competitions, and promotions;
d.undertaking financial reviews; and also for the following data sharing activities:
e.updating, consolidating, and improving the accuracy of our records;
f. undertaking transactional analysis;
g. arrears and debt recovery activities;
h. testing new systems and checking upgrades to existing systems;
i. crime detection, prevention, and prosecution;
j. evaluating the effectiveness of marketing, and for market research and training;
k. customer modelling, statistical and trend analysis, with the aim of developing and improving products and services;
l. assessing lending and insurance risks across the Lloyds Banking Group;
m. managing your relationship with the Lloyds Banking Group companies.
By sharing this information it enables us, and other companies in the Lloyds Banking Group, to better understand your needs and run your accounts in the efficient way that you expect. Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.
When we may share your information
We will treat your personal information as private and confidential, but may share it with each other and disclose it outside the Lloyds Banking Group if:
a. allowed by this agreement;
b. you consent;
c. needed by our agents, advisers or others involved in running products and services for you or collecting what you owe Group companies;
d. needed by subcontractors to help us manage your records;
e. HM Revenue & Customs or other authorities require it;
f. the law, regulatory bodies, or the public interest permits or requires it;
g. required by us or others to investigate or prevent crime;
h. needed by market research companies to assist us in providing better products and services for you; or
i. to any other parties connected with your investment or policy (including guarantors).
j. required as part of our duty to protect your investment or policy, for example we are required to disclose your information to the UK Financial Services Compensation Scheme (FSCS). We will always ensure your information remains safe and secure.
Sharing your information with other companies
If you were ‘introduced’ to us by a third party and/or have a relationship with or are supporting one of our affinity partners (eg, an independent financial adviser), we will give them your contact details and sufficient information about you to help with their accounting and administration. Introducers or affinity partners may use these details to contact you about products and services unless you have asked them not to do so.
Using your information to help prevent terrorism and crime
The Government also requires us to screen applications that are made to us to ensure we are complying with the international fight against terrorism and other criminal activities. As a result of this we may need to disclose information to government bodies.
Sharing your information to assist with asset buying or selling
Lloyds Banking Group companies may in the future wish to sell, transfer or merge part or all of their business or assets, or any associated rights or interests, or to acquire a business or enter into a merger with it. If so, they may disclose your personal information to a potential buyer, transferee, or merger partner or seller and their advisers so long as they agree to keep it confidential and to use it only to consider the possible transaction. If the transaction goes ahead, the buyers, transferee or merger partner may use or disclose your personal information in the same way as set out in this notice.
Searching insurance records
If you make a claim, any information you give to us may be put onto a register of claims and shared with other insurers to prevent fraudulent claims. A list of the participants is available on request. We may also disclose your information within our group of companies, to our agents and other insurers to investigate or prevent fraud.
Sharing personal information between joint applicants
Sometimes, when you open a joint account or product, this may mean that your personal data will be shared with the other applicant. For example, transactions made by you will be seen by your joint account holder and vice versa.
How we manage sensitive personal information
The Data Protection Act defines certain information as ‘sensitive’ (racial or ethnic origin, political opinions, religious beliefs, trade union membership, physical or mental health, sexual life, criminal proceedings and offences). If you apply to us for insurance, a pension, health insurance or life assurance, we may ask you for some ‘sensitive’ details. We will only use this information to provide the service you require and we will ask for your explicit consent. As a customer, there may be times when you give us sensitive information. We may share it with other parts of the group and our subcontractors to keep your records up to date.
Using companies to process your information outside the EEA
All countries in the European Economic Area (EEA), which includes the UK, have similar standards of legal protection for your personal information. We may run your accounts and provide other services from centres outside the EEA (such as the USA and India) that do not have a similar standard of data protection laws to the UK. If so, we will require your personal information to be protected to at least UK standards. We may process payments through other financial institutions such as banks and the worldwide payments system operated by the SWIFT organisation if, for example, you make a CHAPS payment or a foreign payment. Those external organisations may process and store your personal information abroad and may have to disclose it to foreign authorities to help them in their fight against crime and terrorism. If these are based outside the EEA, your personal information may not be protected to standards similar to those in the UK.
Using Fraud Prevention Agencies
We have systems that protect our customers and ourselves against fraud and other crime. Customer information can be used to prevent crime and trace those responsible. We will share your personal information from your application with fraud prevention agencies. If false or inaccurate information is provided and fraud is identified, details of this fraud will be passed to these agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
- Checking details on applications for credit and credit related accounts or other facilities.
- Managing credit and credit related accounts or facilities.
- Recovering debt.
- Checking details on proposals and claims for all types of insurance.
- Checking details of job applicants and employees.
Please contact us on 0345 767 8910 if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
How we check your identity
We may ask you to provide physical forms of identity verification when you open your account. Alternatively, we may search credit reference agency files in assessing your application. The agency also gives us other details and information from the Electoral Register to verify your identity. The agency keeps a record of our search, whether or not your application proceeds. Our search is not seen or used by lenders to assess your ability to obtain credit.
Undertaking anti-money laundering checks
To comply with money laundering regulations, there are times when we need to confirm (or reconfirm) the name and address of our customers. This information may be shared with other group companies.
Using your details for service contact
Making sure we deliver excellent customer service is very important to us and to do this various methods of communication may be used when sending you information about your account. Most of the time you will be contacted by letter or telephone, but you may also be sent updates by text message or email when it is believed to be appropriate. You can ask us to stop sending these messages at any time. Additionally, in extraordinary circumstances (such as natural disaster or civil unrest) we may also send you updates by text message or email. If we decide to use email to contact you, we will only do this if we have ensured that using email will not put your information at risk or, if you have requested we email you, that we have explained the risks of sending an “insecure” email and that you are happy to accept that risk. In addition you may wish to choose a channel of communication that suits you when you need to contact us. If you need to email a Lloyds Banking Group company, we recommend you check their website to see if a secure email facility exists so that your email can be sent securely. If you send us emails in other ways, such as from your personal account, then remember that the message may not be secure and there is a risk that it could be intercepted. If you choose to send an “insecure” email, please keep the amount of confidential information you include to a minimum.
Recording phone calls
We may monitor or record phone calls with you in case we need to check we have carried out your instructions correctly, to resolve queries or issues, for regulatory purposes, to help improve our quality of service, and to help detect or prevent fraud or other crimes. Conversations may also be monitored for staff training purposes.
Using information on social networking sites
As part of our ongoing commitment to understanding our customers better, we may research comments and opinions made public on social networking sites such as Twitter and Facebook.
Obtaining a copy of your information
Under the Data Protection Act you have the right of access to your personal data. The Act allows us to charge a fee of £10 for this service. If anything is inaccurate or incorrect, please let us know and we will correct it. For further details on how to request a copy of your information, please contact our Customer Services Department on 0345 767 8910 or write to us at Scottish Widows, DSAR Department, 15 Dalkeith Road, Edinburgh EH16 5BU.
Using your personal information to contact you about products and services
Unless you have asked us not to, we and other Lloyds Banking Group companies may contact you by mail, telephone, email or text message about products and services available from the Group. In addition we may also contact you about products and services from selected companies outside the Group, which we believe may be of interest to you or benefit you financially.
We promise not to contact you about everything – only if we think it could be appropriate and relevant to you, such as preferential savings opportunities, account upgrades or special offers. This contact may continue after your relationship with us ends. You may opt out of receiving this information at any time by calling us, on 0345 767 8910 or writing to us at Scottish Widows, 15 Dalkeith Road, Edinburgh EH16 5BU.
Passing your information to other companies for their own direct marketing
Unless you have given us your consent, we will not provide information about you to companies outside our Group to use for their own marketing purposes.
Organisations must lodge a notification with their Regulator describing the purposes for which they process personal information. The details are publicly available from the Regulator’s office and you can view ours at ico.org.uk/esdwebpages/search.
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Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improve the user experience. They can also ensure that adverts you see online are more relevant to you and your interests.
The cookies used on our web sites can be categorised in the following ways.
Strictly necessary cookies
These cookiesare essential in order to enable you to move around the web site and use its features, such as accessing secure areas of the web site. Without these cookies services you have asked for, such as shopping baskets or e-billing, cannot be provided. These cookies don’t gather information about you that could be used for marketing or remembering where you've been on the internet.
By using our Scottish Widows Adviser Extranet, Scottish Widows Consumer Secure Services, Scottish Widows Corporate Secure Services, Scottish Widows My Money Works, Clerical Medical Group Pension eServices, Clerical Medical.co.uk and Clerical Medical offshore.com you agree that we can place these types of cookies on your device.