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 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.
Scottish Widows means Scottish Widows Group Ltd or any of its subsidiaries. Important Scottish Widows companies include the following :-
*Scottish Widows Limited
Scottish Widows Services Limited
Scottish Widows Bank plc
*Scottish Widows Unit Trust Managers Limited
*Scottish Widows Investment Partnership Limited
*Scottish Widows Fund Management Limited
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 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.
4.1 We know how important it is to protect your personal data. When we ask for any personal data, or give you the opportunity to supply such data, it is solely to provide the service or information you have requested.
4.2 We do not give personal data to third parties, unless required to do so by law or as you may otherwise consent, but we may share it within our company and within the Scottish Widows and Lloyds Bank Marketing Group. This may include our employees, agents, contractors and sub-contractors.
4.3 Whenever you invest online, access your policy details or contact us using our e-forms we use a secure server. The secure server encrypts all data you input before you send it to us. We use encryption technology to ensure that your data remains secure.
4.4 We may change our privacy policies from time to time, in which case we will post the changes on this page so that you are always aware of our policies.
4.5 In addition to any personal data supplied
by you, we may collect the following information:
(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.
4.6 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.
4.7 Data Protection Act 1998: We are obliged to comply with the Data Protection Act 1998. Under this Act you are entitled to request a copy of the information we hold about you and if the details are inaccurate, you may request that we amend them. You should do so by writing to: Scottish Widows, 15 Dalkeith Road, Edinburgh, EH16 5BU. Please note, under the Act we are entitled to charge a fee for any such request.
4.8 Third party websites are not covered by our privacy policies.
4.9 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 login 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.