Legal and Privacy

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. COPYRIGHT

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
Registered Office:
25 Gresham Street
London
EC2V 3HN.
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
Registered Office:
69 Morrison Street
Edinburgh
EH3 8BW. 

Our other companies and their addresses
Scottish Widows Unit Trust Managers Limited
Company No. 1629925
Registered Office:
Charlton Place
Andover
Hampshire SP10 1RE
Authorised and regulated by the Financial Conduct Authority, register no. 122129.

Scottish Widows Fund Management Limited
Company No. 74517
Registered Office:
15 Dalkeith Road
Edinburgh
EH16 5BU.
Authorised and regulated by the Financial Conduct Authority, register no. 119359.

HBOS Investment Fund Managers Limited
Company No: 00941082
Registered Office:
Trinity Road
Halifax
West Yorkshire
HX1 2RG

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. LEGAL

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 Third party websites are not covered by our privacy policies.

3.9 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.

3.10 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.

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

 

Privacy

Who looks after your personal information

Your personal information will be held by by Scottish Widows Companies, consisting of Scottish Widows Limited, Scottish Widows Unit Trust Managers Limited, HBOS Investment Fund Managers Limited and Scottish Widows Administration Services Limited, which are part of Lloyds Banking Group. More information on the Group can be found at www.lloydsbankinggroup.com.

  • to provide products and services, manage your relationship with us and/or comply with any laws or regulations we are subject to (for example the laws that prevent financial crime or the regulatory requirements governing the products we offer.)
  • for other purposes including improving our services, exercising our rights in relation to agreements and contracts and identifying products and services that may be of interest.

To support us with the above we analyse information we know about you and how you use our services. This may include some automated decision making. You can find out more about how we do this, and in what circumstances you can ask us to stop in our full privacy notice.

Contact about our products and services

It is important you are kept up to date with information about the products and services you can introduce to your customers for us.

Who we share your personal information with

Your personal information will be shared within Lloyds Banking Group and other companies that provide services to you or us, so that we and any other companies in the Group can look after your relationship with us. By sharing this information it enables us to run accounts and policies, and provide products and services efficiently. This processing may include activities which take place outside of the European Economic Area.  If this is the case we will ensure appropriate safeguards are in place to protect your personal information. You can find out more about how we share your data with credit reference and fraud agencies below and can access more information about how else we share your personal information, in our full privacy notice.

Where we collect your personal information from

We will collect personal information about you from a number of sources including:

  • information given to us on application forms, when you talk to us in branch, over the phone or through the device you use and when new services are requested. 
  • from analysis of how you operate our products and services, including the frequency, nature, location, origin and recipients of any payments.
  • from or through other organisations (for example card associations, credit reference agencies, insurance companies, retailers, comparison websites, social media and fraud prevention agencies.)
  • in certain circumstances we may also use information about health or criminal convictions but we will only do this where allowed by the law or if you give us your consent.

You can find out more about where we collect personal information about you from in our full privacy notice.

Do you have to give us your personal information

We may be required by law, or as a consequence of any contractual relationship we have, to collect certain personal information. If you fail to provide this information to us it may prevent or delay us fulfilling these obligations or performing services.

What rights you have over your personal information

The law gives you a number of rights in relation to your personal information including:

  • the right to access the personal information we have about you. This includes information from application forms, statements, correspondence and call recordings.
  • the right to get us to correct personal information that is wrong or incomplete.
  • in certain circumstances, the right to ask us to stop using or delete your personal information.
  • from 25 May 2018 you will have the right to receive any personal information we have collected from you in an easily re-usable format when it’s processed on certain grounds, such as consent or for contractual reasons.   You can also ask us to pass this information on to another organisation.

You can find out more about these rights and how you can exercise them in our full privacy notice.

Other individuals you have financial links with

We may also collect personal information about other individuals with who  you have a financial link with, such as your partner/spouse, dependents, beneficiaries or people you have commercial links to,  for example other directors or officers of your company. 

If we do, we will collect this information to assess any applications, provide the services requested and to carry out credit reference and fraud prevention checks. You can find out more about how we process personal information about individuals with whom you have a financial link in our full privacy notice.

How we use credit reference agencies

In order to process your application we may supply your personal information to credit reference agencies (CRAs) including how you use our products and services and they will give us information about you, such as about your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity.

We may also continue to exchange information about you with CRAs on an ongoing basis, including about your settled accounts and any debts not fully repaid on time, information on funds going into the account, the balance on the account and, if you borrow, details of your repayments or whether you repay in full and on time. CRAs will share your information with other organisations, for example other organisations you ask to provide you with products and services. Your data will also be linked to the data of any joint applicants or other financial associates as explained above.

You can find out more about the identities of the CRAs, and the ways in which they use and share personal information in our full privacy notice.

How we use fraud prevention agencies

The personal information we have collected from you and anyone with whom you have a financial link with may be shared with fraud prevention agencies who will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found in our full privacy notice.

Our full privacy notice

It is important that you understand how the personal information you give us will be used. Therefore, we strongly advise that you read our Full Privacy Notice, which you can find at www.scottishwidows.co.uk/legalprivacy or you can ask us for a copy.

How you can contact us

If you have any questions or require more information about how we use your personal information please contact us using http://www.scottishwidows.co.uk/extranet/contact. You can also call us on 0345 300 2244.

If you feel we have not answered your question Lloyds Banking Group has a Group Data Privacy Officer, who you can contact on 0345 300 2244 and tell us you want to speak to our Data Privacy Officer.

This privacy notice was last updated on 15/04/2018.

 

Viewing notifications

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.

 

Cookies

Cookies are text files containing small amounts of information which are downloaded to your device when you visit a web site. Cookies are then sent back to the originating web site on each subsequent visit, or to another web site that recognises that cookie. Cookies are useful because they allow a web site to recognise a user’s device.

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.

With most internet browsers, you can erase cookies from your computer hard drive, block all cookies or receive a warning before a cookie is stored. If you want to know how to do this please look at the help menu on your web browser. However, please note that switching off or “opting out” of the use of cookies will mean that you may not be able to use certain features of the website. Find out more about the use of cookies and how to switch off cookies on www.cookiecentral.com or www.aboutcookies.org.

The cookies used on our web sites can be categorised in the following ways.

Strictly necessary cookies

These cookies are 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, 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.

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Strictly necessary cookies used within our sites in this category:
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Performance cookies

These cookies collect information about how visitors use a web site, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don't collect information that identifies a visitor. All information these cookies collect is anonymous and is only used to improve how a web site works.

By using our Scottish Widows Adviser Extranet, Scottish Widows Consumer Secure Services, Scottish Widows Corporate Secure Services, 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.

How to reject or delete these cookies: www.aboutcookies.org

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Performance cookies used within our sites in this category are:
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Functionality cookies

These cookies allow the web site to remember choices you make (such as your user name, language or the region you are in) and provide enhanced features. For instance, a web site may be able to provide you with local weather reports or traffic news by storing in a cookie the region in which you are currently located. These cookies can also be used to remember changes you have made to text size, font and other parts of web pages that you can customise. They may also be used to provide services you have requested such as watching a video or commenting on a blog. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites.

By using our Scottish Widows Adviser Extranet, Scottish Widows Consumer Secure Services, Scottish Widows Corporate Secure Services, 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.

How to reject or delete these cookies: www.aboutcookies.org

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Functionality cookies used within our sites in this category are:
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Targeting cookies

These cookies collect several pieces of information about your browsing habits. They are usually placed by advertising networks. They remember that you have visited a website and this information is shared with other organisations such as media publishers. These organisations do this in order to provide you with targeted adverts more relevant to you and your interests. This type of advertising is called online behavioural advertising and places an icon in the top right hand corner of an advert. This icon, when clicked, will take you through to the website Your Online Choices where there is more help and guidance for you to opt-out of this type of advertising. You can also block these cookies using your browser settings. By using our websites you agree that we can place these types of cookies on your device.

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Targeting cookies used within our sites in this category are: Third Party Cookies in use on our sites
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Useful information about cookies
Useful information about cookies can be found at:
www.allaboutcookies.org

Internet Advertising Bureau
A guide to behavioural advertising and online privacy has been produced by the internet advertising industry which can be found at:
www.youronlinechoices.eu

International Chamber of Commerce United Kingdom
Information on the ICC (UK) UK cookie guide can be found on the ICC website section:
www.iccwbo.uk/pages/privacy

(e) Online Advertising. Scottish Widows uses pixels, or transparent GIF files, to help manage online advertising. These GIF files are provided by our ad management partner, DoubleClick. These files enable DoubleClick to recognize a unique cookie on your Web browser, which in turn enables us to learn which advertisements bring users to our website. The cookie was placed by us, or by another advertiser who works with DoubleClick. With both cookies and Spotlight technology, the information that we collect and share is anonymous and not personally identifiable. It does not contain your name, address, telephone number, or email address. For more information about DoubleClick, including information about how to opt out of these technologies, go to https://www.google.com/intl/en/policies/technologies/types/

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Copyright ©2018 Scottish Widows | Copyright, companies, legal and privacy information |  Accessibility | Site map

Important Information about Scottish Widows | Read about how we use cookies

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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