Get a free £25 gift voucher and a chance to win £10,000

• The offer reward is one digital voucher with a value of £25 (the “Reward”).
• To obtain the Reward a person must meet the eligibility requirements and enrolment requirements set out in these terms.
• To obtain the Reward, a person must use the same email address to register for the offer that they use to register or log into their Scottish Widows account.
• The promoter of this offer is Scottish Widows Administration Services Limited (registered number 01132760) having its offices at 25 Gresham Street, London, EC2V 7HN ("Scottish Widows", "we", "us" or "our").
• Fulfilment of the offer will be administered by Simply Thank You, acting on behalf of Scottish Widows and its service providers.

• The offer will open on 20 Oct 2026 and will remain open until all the available Rewards have been distributed (the “Offer Period”).
• The offer will close when all available Rewards have been distributed. Scottish Widows may also suspend, withdraw or amend the offer where operational, legal or regulatory requirements make this necessary. If participation in the offer is significantly greater than anticipated, Scottish Widows may need to close the Offer at any point. Where this occurs, Scottish Widows will take reasonable steps to communicate the change through appropriate customer channels.
• To qualify for a Reward, customers must actively register for the offer (the “Offer Registration”) during the Offer Period and log in to the Scottish Widows App for the first time. Completing the Offer Registration does not reserve a Reward or guarantee eligibility or entitlement to a Reward.
• Once the offer has closed, any entries will not qualify for a Reward. Scottish Widows will take reasonable steps to update the offer webpage or otherwise communicate that the offer has closed.

• To be eligible for this offer, a customer must meet all of the following requirements:
  • Be aged 18 or over.
  • Be resident in the United Kingdom.
  • Cannot receive or be eligible to receive, the separate Scottish Widows Share Dealing £25 cash back offer. This separate offer is for eligible Investment customers registering for the same Scottish Widows app and customers may receive only one of these two rewards.
  • Must not be an employee of Lloyds Banking Group.
  • Be a Scottish Widows customer who holds a product that makes you eligible to register for the Scottish Widows App. If the only eligible product(s) a customer holds is a Protection policy, and/or a Ready-Made Investment account, a product must have been live and in force for at least 90 days prior to logging into the Scottish Widows App for the first time.
• Customers who have previously logged into the Scottish Widows mobile app before enrolling in this offer will not be eligible for a Reward.
• Downloading the Scottish Widows mobile app alone does not qualify a customer for a Reward. The qualifying app activity is the first-time app login after registering for the offer and within the Offer Period.
• Customers must use the same email address to register or log into your Scottish Widows account within the Offer Registration.

• Customers must agree to the Terms & Conditions, download the App, and provide their email address if requested.
• Customers must also complete their first-ever login to the Scottish Widows mobile app after submitting the Offer Registration during the Offer Period.

• An enrolment record must be captured by Scottish Widows and must be capable of being matched to an eligible customer, their qualifying policy and their subsequent first-time app login. Scottish Widows may use the information provided on the Offer Registration together with information already held about the customer to carry out this match.
• Offer Registration submissions, customer matching attempts, app registration attempts or app login attempts that are incomplete, unsuccessful, cancelled, duplicated, contain inaccurate information or otherwise fail to meet these Terms and Conditions will not qualify for a Reward.
• Scottish Widows reserves the right to verify the information submitted on the Offer Registration, the identity and policy status of the customer, first-time app login status, timing, and eligibility before issuing a Reward.

• Customers will be able to select their Reward from the digital voucher options made available through Simply Thank You at the time of redemption. Availability may vary.
• No cash alternative will be offered.
• The Reward is non-transferable, non-refundable and cannot be exchanged for cash.
• A maximum of one Reward will be issued per eligible customer.

• Eligible customers will receive details of how to redeem their Reward by email after Scottish Widows has verified the information submitted.
• The customer will have 180 days from the receipt of the email to redeem their Reward.
• Rewards are expected to be issued within 10 days of successful qualification, although Scottish Widows cannot guarantee delivery times.
• Customers are responsible for providing an accurate email address on the Offer Registration and ensuring that the other information they provide is complete and correct.
• Scottish Widows accepts no responsibility for Rewards that cannot be delivered due to incorrect customer details or technical issues outside its reasonable control.

• Rewards must be redeemed by the expiry date communicated with the voucher.
• Unless otherwise stated, the final date for voucher redemption will be the date shown with the voucher or in the Reward fulfilment communication.
• Additional terms and conditions imposed by the voucher provider or retailer may apply.

• Scottish Widows reserves the right to withhold, cancel or recover Rewards where it reasonably believes:
  • Fraudulent activity has occurred
  • Duplicate accounts, enrolments or registrations have been created
  • The offer has been manipulated or abused
  • A participant has breached these Terms and Conditions
• Scottish Widows decision regarding eligibility, Reward allocation and continuation of the offer will be final.

• Personal information provided or generated in connection with this offer will be processed in accordance with Scottish Widows Privacy Notice and applicable data protection legislation.
• Customer information may be used for the purposes of administering this offer, tracking enrolment, matching enrolment records to first-time app login activity, verifying eligibility and issuing Rewards.
• Where required to administer the Reward, relevant customer information will be shared with Simply Thank You. Customer information includes: Customer First Name, Customer Surname and Customer Email Address.

Scottish Widows will not be liable for any loss, damage or disappointment arising from participation in the offer except where such liability cannot be excluded by law.

These Terms and Conditions shall be governed by the laws of England and Wales and subject to the exclusive jurisdiction of the courts of England and Wales.

Scottish Widows Administration Services Limited
Company No 01132760
Registered Office:
25 Gresham Street
London
EC2V 7HN

Authorised and regulated by the Financial Conduct Authority, register no. 139398

Your personal information will be held by Scottish Widows Administration Services Limited which is part of Lloyds Banking Group. You can access more information about how we look after your data here:  https://www.scottishwidows.co.uk/legal-information/privacy.html.

There are a few things we may be able to do to help you when receiving information from us. Contact us if you’d like braille, large print, an audio version or we could send you these on coloured paper. If you have a hearing or speech impairment you can contact us using the Relay UK Service available 24 hours a day, 7 days a week. Or you can call using textphone on 18001.

If you want to make a complaint learn more online at:

 https://www.scottishwidows.co.uk/contact-us/complaints.html

To speak to us, call:  0345 716 6777  (+44 131 549 9772 outside the UK) available Mon to Fri 9am–5pm.

You can also write to:

Scottish Widows
Customer Services
SWINDON
SN80 1AA

We’ll confirm receipt in writing within five working days and investigate and respond, as quickly as possible and if no decision has been reached, we will update you on progress after 4 and 8 weeks.

Provided you've tried to resolve things with us first, if you're still unhappy, you can ask the Financial Ombudsman Service to help. We can provide information on how to do this if you need it.

Calls and online sessions may be monitored and recorded. Not all Telephone Banking services are available 24 hours a day, seven days a week.