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 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.
HBOS Investment Fund Managers Limited
Company No: 00941082
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 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.
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.
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.
Last updated May 2018
In this policy, where we say 'cookies' it can also mean other software that collects data while you use our websites and mobile apps.
Data we collect will be held by Scottish Widows which is part of the Lloyds Banking Group. We use this data to:
- Protect you from fraud and keep improving security
- Study how people use our websites and apps and our other services, so we can improve them
- Decide which of our products, services and offers may be relevant for you
- Tailor the marketing you see on social media, apps and other websites.
We may share this data with other companies in the Group. We also share some data with outside organisations. Some of them may place their own cookies on your device when you visit our website. You can find out more about how we share data – and who we share it with – in our Privacy Notices for Scottish Widows Insurance and Scottish Widows Bank.
We do not sell data to organisations outside our Group.
What are cookies?
Cookies are small files that are sent to your PC, mobile phone or tablet when you visit a website. They stay on your device and are sent back to the website they came from when you visit it again. Cookies collect data and send it to us while you use the site. These are written into mobile apps and web pages that you go to on your device.
Session and Persistent cookies
All cookies are either session cookies or persistent cookies.
Session cookies last for the length of your visit to a website. They delete themselves when you close your browser. Session cookies can help with security. For instance, they can keep you logged on as you move around a website.
Persistent cookies stay on your device when you close your browser. They are used for many jobs. For instance, they can remember your User ID for websites where you log on. They can also store your choices for when you go back to a website.
Organisations find them useful to see how people use their websites. They can also be used to tailor the ads and marketing you see on social media, apps and other websites.
First and third party cookies
Whether a cookie is first or third party depends on where it comes from.
First party cookies are set by websites you go to.
Third party cookies are set by outside organisations. For instance, you may be on a website that has ‘Like’ and ‘Share’ buttons for social network sites. If you click one, the social network site will put a ‘third party’ cookie on your device. That cookie may then collect data about you and send it to them too. You will need to set your privacy choices on their site, to tell them how they can use your data.
We use our own cookies and others from companies we work with such as social media, search engines, other advertising networks, and our business partners.
Essential cookies and cookies you can choose
Different types of cookies do different jobs on our website. Some are needed to make the website work. We need your consent to use others that are not essential. You can change your choices at any time. Just click the 'Cookies' link at the end of any page.
|Category||What they do||My choices|
These cookies are needed to run our website, to keep it secure if you are logged on and to obey regulations that apply to us.
If you are a customer, they help us know who you are so that you can log on and manage your accounts. They also help us keep your details safe and private.
Other important jobs they do are:
- Help you move around the site
- Tell us if you’ve been to it before and which pages you went to
- Tell us how the site is working, so we can find and fix any problems.
You can’t turn off these cookies
These cookies are used for remembering things like:
- Your user ID on the log on page
- Your region or country
- Your preferred language
- Accessibility options like large font or high contrast pages.
You can’t turn off these cookies
These cookies tell us how you and our other customers use our website. We combine all this data together and study it. This helps us to:
- Improve the performance of our services
- Improve the products we provide.
We’ll ask for your consent to use these cookies
These cookies help us decide which of our products, services and offers may be relevant for you.
We may use this data to tailor the marketing and ads you see on our own and other websites and mobile apps, including social media. For instance, you may see our ads on other sites after you have been to our website.
If you turn off marketing cookies, you will still see ads online, but they will not be tailored to things that may interest you.
We’ll ask for your consent to use these cookies
Performance and marketing cookies
Lloyds Banking Group is changing its websites to make sure we ask for your consent to use these cookies. It will take some time to update all our systems. Until then, you won't be able to make your choices on some websites run by companies within our Group. This means you may still see tailored marketing and ads from us during this time, even if you would prefer not to. We will update this cookies policy as soon as the work is complete.
Keep in mind
If more than one person uses your device, the choices set up by other people will apply to you as well unless you change them. For example, if you share a computer with your family, you may see ads based on sites they have visited as well as sites you have visited.
Cookies with more than one use
Some of our cookies collect datafor more than one use. We will only use these cookies for their essential purposes unless you have given your consent to any other uses they have.
Cookies that are already on your device
Turning off one or more types of cookies will not delete any that have been downloaded in the past. We may still use data we collected up to that point, but will stop collecting new data.
Managing cookies choices in your browser
You can turn off or delete cookies in your browser. If you do this, it may affect sites that use similar cookies to us.
Cookies choices you set in your browser replace any you set on a single website. For instance, if you run an ad blocker on your browser, you won't see ads that are tailored to you, even if you have turned on marketing cookies.
Find out how to manage cookies in common browsers (Internet Explorer, Chrome, Firefox and Safari) on the Information Commissioners’ Office (ICO) website.