Legal, privacy and regulatory information

1. Important Information when viewing this website

This website contains information about your employer's workplace savings scheme. The Scottish Widows Master Trust is supervised by the Pensions Regulator. Pension Scheme Reference number 12007199. Scottish Widows Limited is the sponsor of the Scottish Widows Master Trust and Scottish Widows Administration Services Limited (SWAS) is the platform operator and scheme administrator.

This website contains links to a transactional website, provided by SWAS. By logging in, using the Member login link, you can access your plan information and carry out certain transactions.

2. Our product providers

Scottish Widows Limited (SWL) is a provider of pension plans.

It is registered in England and Wales No. 3196171.

Registered office in the United Kingdom at 25 Gresham Street, London EC2V 7HN.

It is 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 Administration Services Limited (SWAS) provides the online services in the transaction website. It is authorised and regulated by the Financial Conduct Authority.

Registered in England and Wales No 01132760.

Registered office in the United Kingdom at 25 Gresham Street, London, EC2V 7HN.

Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 139398.

3. Intended audience

The aim of this website is to provide information and support to members of pension plans administered by SWAS.

4. Intellectual property

We are the owner or licensee of all intellectual property rights in this website. These include copyright in the graphic images, buttons, layout and text and are protected by law. You may not copy or share the content from this website without our prior written consent other than for your personal non-commercial use.

Scottish Widows trademarks contained in this website are trademarks which belong to companies within the Lloyds Banking Group. You may not use these trademarks without our prior written consent. Other products and company names reproduced on this website (including those of your employer) may be the trademarks of their respective owners.

5. Third party links

This website may contain links to other websites which we believe may be helpful to you. These links are for information only. If you access another website that is not managed by a member of the Lloyds Banking Group, we are not responsible to you for the content of that website.

The transactional website provided by SWAS is governed by separate website terms and conditions and specific plan terms and conditions.

6. Liability

We will take reasonable steps to ensure this website is available for you to use 24 hours every day and will minimise the time it is unavailable for use due to planned maintenance. We cannot accept responsibility for any losses you may incur if you cannot access this website properly due to faults with your hardware, software, internet connection or telecommunication services.

While we have taken reasonable steps to ensure the accuracy, correctness and completeness of the information contained on this website, we make no warranty or representation to this effect, whether express or implied.

We give no assurances about the accuracy, functionality or performance of any third party software used in connection with this website.

7. Contacting us

If you need any help, please go to the 'Contact us' page of this website, where you can find the contact details for your plan provider. We may record or monitor calls to improve our service.


Copyright, companies, legal and privacy information.

Legal and privacy information


Information for users of our social media channels.

Social media terms of use