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 set out herein: Scottish
Widows unless a particular Scottish Widows company
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. Financial Services Register number 181655.
Scottish Widows Services Limited
Company No 189975.
69 Morrison Street,
Scottish Widows Bank plc
Company No 154554
67 Morrison Street
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 201601.
*Scottish Widows Unit Trust Managers Limited
Company No. 1629925
Hampshire SP10 1RE
Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 122129.
*Scottish Widows Investment Partnership Limited
10 Fleet Place
Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 193707.
*Scottish Widows Fund Management Limited
Company No. 74517.
15 Dalkeith Road,
Tel 0131 655 6000
Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 119359.
All of the above companies are part of the Lloyds Banking Group.
The companies marked with an asterisk are part of the
Scottish Widows and Lloyds Bank Marketing Group.
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
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.
Data Privacy Notice
Who Looks After Your Personal Information
Your personal information will be held by Scottish Widows Ltd which is part of the Lloyds Banking Group. More information on the Group can be found at www.lloydsbankinggroup.com
Our Full Data Privacy Notice
This privacy notice contains key information about how we will use and share your personal information and the rights you have in relation to this. If you want to know more please access our full privacy notice at[www.scottishwidows.co.uk/legalprivacy] or ask us for a copy.
How we use your Personal Information
- We will use your personal information:
- to provide products and services, manage your relationship with us and 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 products and services, including 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
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 our Group can look after your relationship with us. By sharing this information it enables us to better understand our customer's needs, 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 personal information with credit reference agencies below and can access more information about how else we share your 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 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. Failure to provide this information 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 who you have a financial link with. This may include people who you have joint accounts or policies with such as your partner/spouse, dependents, beneficiaries or people you have commercial links to, for example other directors or officers of your company.
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 any one 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.
How we share personal information about insurance products
If you apply to us for Insurance, we may pass your details to the relevant insurer and their agents. If a claim is made, any personal information given to us, or to the insurer, may be put onto a register of claims and shared with other insurers to prevent fraudulent claims.
Our Full Data 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 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 https://www.scottishwidows.co.uk/secure/forms/contact_us/individual_customers/policy-enquiries.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.
Last updated on 18/03/2018