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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 plc 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 plc, 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 plc, 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 plc
Company No. 199549.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register no. 191517.

Scottish Widows Annuities Limited
Company No. 199550. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register no. 191518.

Scottish Widows Services Limited
Company No 189975.

The Registered Office of the above three companies is in the United Kingdom at:

69 Morrison Street,
Edinburgh
EH3 8YF

Our other companies and their addresses

Scottish Widows Bank plc
Company No 154554
Registered Office
67 Morrison Street
Edinburgh
EH3 8YJ

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
Registered Office:
Charlton Place
Andover
Hampshire SP10 1RE
Authorised and regulated by the Financial Conduct Authority, register no. 122129.

Scottish Widows Investment Partnership Limited
Company No.794936.
Registered Office:
10 Fleet Place
London
EC4M 7RH
Authorised and regulated by the Financial Conduct Authority, register no. 193707.

Scottish Widows Fund Management Limited
Company No. 74517.
Authorised and regulated by the Financial Conduct Authority, register no. 119359.

Pensions Management (S.W.F.) Limited
Company No. 45361.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register no. 110422.

The Registered Office of Scottish Widows Fund Management Limited and Pensions Management (S.W.F.) Limited is in the United Kingdom at:

15 Dalkeith Road,
Edinburgh,
EH16 5BU.
Tel 0131 655 6000

All of the above companies are part of the Lloyds Banking Group.

The Financial services register can be accessed at http://www.fsa.gov.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 Any dispute arising from the use or content of this website shall be subject to the Laws of Scotland.

Privacy

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:

  1. 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.
  2. 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
  3. 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:

  1. 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;
  2. responding to your enquiries and complaints;
  3. administering offers, competitions, and promotions;
  4. undertaking financial reviews; and also for the following data sharing activities:
  5. updating, consolidating, and improving the accuracy of our records;
  6. undertaking transactional analysis;
  7. arrears and debt recovery activities;
  8. testing new systems and checking upgrades to existing systems;
  9. crime detection, prevention, and prosecution;
  10. evaluating the effectiveness of marketing, and for market research and training;
  11. customer modelling, statistical and trend analysis, with the aim of developing and improving products and services;
  12. assessing lending and insurance risks across the Lloyds Banking Group;
  13. 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:

  1. allowed by this agreement;
  2. you consent;
  3. needed by our agents, advisers or others involved in running products and services for you or collecting what you owe Group companies;
  4. needed by subcontractors to help us manage your records;
  5. HM Revenue & Customs or other authorities require it;
  6. the law, regulatory bodies, or the public interest permits or requires it;
  7. required by us or others to investigate or prevent crime;
  8. needed by market research companies to assist us in providing better products and services for you; or
  9. to any other parties connected with your investment or policy (including guarantors).
  10. 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 0845 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.

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 0845 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 0845 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.

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 www.ico.gov.uk/ESDWebPages/search.asp

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 consumer site, 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.

Strictly necessary cookies used within our sites in this category:

Cookie Name Purpose Use when you visit these sites
ONTCred A Security Cookie used for authentication purposes and site security. This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
Clerical Medical Group Pension eServices
ONTCred_Authen_Method A Security Cookie used for authentication purposes and site security. This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
IDX Published by website's underlying technologies. This cookie is required for user authentication purposes. This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
Clerical Medical Group Pension eServices
LO Published by website's underlying technologies. This cookie is required for user authentication purposes. This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
Clerical Medical Group Pension eServices
HxSession A persistent cookie which contains a user's unique session record it is required for user authentication purposes at the point a secure session is opened whilst revisiting the site. Scottish Widows Adviser Extranet Clerical Medical
Clerical Medical.co.uk
Clerical Medical offshore.com
.ADVISERASPXAUTH This is the name of the cookie used for user authentication. This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
Clerical Medical Group Pension eServices
WasLoggedIn This cookie is used by us to identify you as a logged in user. This allows us to remember certain settings, like which part of the website you were using before you were asked to sign in or register. This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
Clerical Medical Group Pension eServices
OriginalSessionId This cookie is used by us to identify you as a logged in user. This allows us to remember certain settings, like which part of the website you were using before you were asked to sign in or register. This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
Timeout This cookie is used by us to identify you as a logged in user. This allows us to remember certain settings, like which part of the website you were using before you were asked to sign in or register. This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
LoginCookie Stores the Login method and Logged In details This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
logintohomepageredirect This cookie is used to indicate if you are using Unipass Digital Certificate functionality on login. By determining this the user journey is tailored to bypass certain areas of the site that relate to a username and password. This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
Clerical Medical Group Pension eServices
sw-err-onpge This cookie is used to determine which page to return you to in the event any error message is being displayed This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
sw-ex-s Used in conjunction with the SW-ex-o cookie this secure session cookie is used to ensure the user remains logged in after loading a new page Scottish Widows Adviser Extranet
sw-ex-o Used in conjunction with the SW-ex-s cookie this secure session cookie is used to ensure the user remains logged in after loading a new page Scottish Widows Adviser Extranet
JSESSIONID This Cookie is used when applying for certain product types for example Retirement Account. This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
Scottish Widows Consumer Secure Services
Scottish Widows Corporate Secure Services
Scottish Widows My Money Works
SW-LL-ORD This cookie is used for ordering documents from our literature library area. This cookie is destroyed each time you close your browser. Scottish Widows Adviser Extranet
SW_UTSession This cookie is used when applying for certain product types (for example Retirement Account) or viewing details of your existing policies.
This cookie is destroyed each time you close your browser
Scottish Widows Adviser Extranet
Scottish Widows Consumer Secure Services
Scottish Widows Corporate Secure Services
SW_Session This cookie is used when applying for certain product types (for example Retirement Account) or viewing details of your existing policies.
This cookie is destroyed each time you close your browser
Scottish Widows Adviser Extranet
Scottish Widows Consumer Secure Services
Scottish Widows Corporate Secure Services
mmw-tracker Scottish Widows use web analytics service to collect site usage statistics. It is used for further analysis of site operation. SW use web analytics service of Nedstat. The cookie is used to provide your user id to the web analytics service since you were successfully authenticated (logged in) to the site. It is destroyed after you log out or close your browser. Scottish Widows My Money Works
AUTH_SESSION_ID In use on our Mymoneyworks site, this cookie identifies you as a successfully authenticated user. It allows us to remember and to provide the information that is specific to you. It exists since log in until you log out or close your browser. Scottish Widows My Money Works
Calling _URL remembers where the user was coming from, so they can be returned to the same page after they've logged in Clerical Medical Group Pension eServices
ONTReqAuthenMethod A Security Cookie used for authentication purposes and site security. This cookie is destroyed each time you close your browser Clerical Medical Group Pension eServices
Hx A persistent cookie which contains a users unique session record it is required for user authentication purposes at the point a secure session is opened whilst revisiting the site. Clerical Medical Group Pension eServices
ASP.NET_SessionId General session cookie required by ASP.NET engine Clerical Medical Group Pension eServices
Casestudy_cookie Within our Mymoneyworks site we offer useful case study information to support the user experience. The information is not static - one of a set of case studies are displayed at a given moment. This cookie is used to allow a principle like random display of the information. It is destroyed when you close your browser. Scottish Widows
My Money Works
ASPSESSIONIDSAADTBAC General session cookie required by ASP engine Clerical Medical.co.uk
Clerical Medical offshore.com
ASP.NET session state

This is a strictly necessary cookie is supplied through SBC Systems ltd and enables the storage and retrieval values for a user, whilst navigating ASP.NET pages in a Web application.

The server retains no knowledge of variable values that were used during previous requests and this cookie is destroyed each time you close your browser.
AssistMe
FilePort

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 consumer site, 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.

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

Performance cookies used within our sites in this category are:

Cookie Name Purpose Use when you visit these sites
ns_session Used with the s1 cookie to identify user sessions on The website. Data is only used in aggregate. This cookie is destroyed each time you close your browser. Scottish Widows Adviser Extranet
My Money Works
ns_cookietest Used to confirm that your browser is able to accept cookies. This cookie is destroyed each time you close your browser. Scottish Widows Adviser Extranet
s1 Used in conjunction with the C1 cookie, this is a unique identifier given to each computer to allow log analysis to determine the number of unique users for various parts of our websites. Data is only used in aggregate. Scottish Widows Adviser Extranet
Scottish Widows.co.uk
Scottish Widows Consumer Secure Services
Scottish Widows Corporate Secure Services
Clerical Medical Group Pension eServices
c1 Used in conjunction with the S1 cookie, this is a unique identifier given to each computer to allow log analysis to determine the number of unique users for various parts of our websites. Data is only used in aggregate. Scottish Widows Adviser Extranet
Scottish Widows.co.uk
Scottish Widows Consumer Secure Services
Scottish Widows Corporate Secure Services Clerical Medical Group Pension eServices
utmz Analytics cookie which stores where a visiting user has come from by way of other websites Scottish Widows.co.uk
Clerical Medical.co.uk
Clerical Medical offshore.com
utma Analytics cookie that stores the amount of visits made, the time of the first visit, the previous visit, and the current visit. Scottish Widows.co.uk
Clerical Medical.co.uk
Clerical Medical offshore.com
utmc & utmb Analytics cookie that’s used to check approximately how long you stay on a site: when a visit starts, and approximately ends . This cookie is destroyed each time you close your browser Scottish Widows.co.uk
Clerical Medical.co.uk
Clerical Medical offshore.com
sp3dtag Analytics cookie that stores the amount of visits made, the time of the first visit, the previous visit, and the current visit. Scottish Widows.co.uk
rwtag Analytics cookie that stores the amount of visits made, the time of the first visit, the previous visit, and the current visit. Scottish Widows.co.uk
id Analytics cookie that stores the amount of visits made, the time of the first visit, the previous visit, and the current visit. Clerical Medical.co.uk
Clerical Medical offshore.com
PHPSESSID A Session cookie used by "Find IFA pages" Clerical Medical.co.uk
Clerical Medical offshore.com
sw-ppc-inf Used to identify whether a user has come from external Pay Per Click advertising url. Details are stored in cookie for 30 day duration. Scottish Widows.co.uk
sw-ab-test-inf used to hold randomised values to test controlled experiments for web development and marketing purposes. Scottish Widows.co.uk
sw-quickquote-inf used to hold calculation details from the protection for life quick quote tool. Details are stored in cookie for 30 day duration. Scottish Widows.co.uk
quote.scottishwidows.co.uk/quickquote

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 consumer site, 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.

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

Functionality cookies used within our sites in this category are:

Cookie Name Purpose Use when you visit these sites
sw-stat-inf This cookie captures user information such as name, regulatory details and persona type of users of the Adviser Extranet from the point at which they have registered for secure access. Scottish Widows Adviser Extranet
sw-warn-brow Remembers whether the browser warning screen was shown Scottish Widows Adviser Extranet
Clerical Medical Group Pension eServices
sw-warn-adv Remembers whether the adviser warning screen was shown Scottish Widows Adviser Extranet
Clerical Medical Group Pension eServices

Targeting cookies

These cookies collect several pieces of information about your browsing habits. They are usually placed by advertising networks rather than web site operators. They remember that you have visited a and this information is shared with other organisations such as advertisers. These organisations do this in order to provide you with targeted adverts more relevant to you and your interests. Quite often targeting cookies will be linked to site functionality provided by the other organisation. Without these cookies, online advertisements you encounter will be less relevant to you and your interests.

We do not use these types of cookies within this site.

Third Party Cookies in use on our sites

Google Analytics Scottish Widows websites use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics sets a cookie in order to evaluate your use of the site and compile reports for us on activity. Google stores the information collected by a cookie and may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google.

By using our Scottish Widows consumer site, 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.

How to reject or delete these cookies: www.google.com/intl/en/privacypolicy.html

Google Cookies in use on this site:

Cookie Name Purpose Use when you visit these sites
utmz Analytics cookie which stores where a visiting user has come from by way of other websites. Scottish Widows.co.uk
Clerical Medical.co.uk
Clerical Medical offshore.com
utma Analytics cookie that stores the amount of visits made, the time of the first visit, the previous visit, and the current visit. Scottish Widows.co.uk
Clerical Medical.co.uk
Clerical Medical offshore.com
utmc & utmb Analytics cookie that’s used to check approximately how long you stay on a site: when a visit starts, and approximately ends. This cookie is destroyed each time you close your browser. Scottish Widows.co.uk
Clerical Medical.co.uk
Clerical Medical offshore.com
sp3dtag Analytics cookie that stores the amount of visits made, the time of the first visit, the previous visit, and the current visit. Scottish Widows.co.uk
rwtag Analytics cookie that stores the amount of visits made, the time of the first visit, the previous visit, and the current visit. Scottish Widows.co.uk

How to reject or delete these cookies

ComScore An independent measurement and research company gathers information regarding visitor activity on Scottish Widows websites and other Scottish Widows online services. Data is gathered on Scottish Widows behalf using cookies, log file data, and code that is embedded on our websites. Scottish Widows uses this information to help improve the services it provides to its users.

Information (such as IP addresses) that comScore collects is done so in accordance with the EU’s data protection requirements. For information on how comScore treats personal data please see the comScore Privacy Policy.

ComScore Cookies in use on this site:

s1 Used in conjunction with the C1 cookie This is a unique identifier given to each computer to allow log analysis to determine the number of unique users for various parts of our websites. Data is only used in aggregate. Scottish Widows Adviser Extranet
Scottish Widows.co.uk
Scottish Widows Consumer Secure Services
Scottish Widows Corporate Secure Services
Scottish Widows My Money Works
Clerical Medical Group Pension eServices
c1 Used in conjunction with the S1 cookie, this is a unique identifier given to each computer to allow log analysis to determine the number of unique users for various parts of our websites. Data is only used in aggregate. Scottish Widows Adviser Extranet
Scottish Widows.co.uk
Scottish Widows Consumer Secure Services Scottish Widows Corporate Secure Services Scottish Widows My Money Works

How to reject or delete these cookies

Oracle

Scottish Widows Consumer secure services use Oracle to run the ISA Valuation click to chat service.

Cookies are used to store information about a visitor's current session for use in rules that control when click-to-chat invitations are shown. Oracle stores the information collected by a cookie and may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Oracle's behalf.

By using our Scottish Widows Consumer Secure Services you agree that we can place these types of cookies on your device.

How to reject or delete these cookies: http://www.oracle.com/us/legal/privacy/privacy-policy-078584.html

Oracle Cookies in use on this site

Cookie Name Purpose Use when you visit these sites
Isvt_visitor Persistent opaque id used to recognise visitors across sessions Scottish Widows Consumer secure services
IS3_GSV Transient cookie used to store information about a visitor's current session for use in rules that control when click-to-chat invitations are shown. This cookie is never sent to Oracle's servers, but is generated and read only within the browser by their client-side JavaScript code. Scottish Widows Consumer secure services
IS3_History Persistent cookie used to store visitor behaviour information across sessions for use in rules that control when click-to-chat invitations are shown. This cookie is never sent to Oracle's servers, but is generated and read only within the browser by their client-side JavaScript code Scottish Widows Consumer secure services

How to reject or delete these cookies

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.international-chamber.co.uk/our-expertise/digitaleconomy

(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 www.doubleclick.net/us/corporate/privacy.

Changes to Privacy Notice

We keep our Privacy Notice under regular review and we will reflect any updates within this notice. This Privacy Notice was last updated on 6 March 2013.