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. COPYRIGHT

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.
Registered Office:
25 Gresham Street,
London,
EC2V 7HN.
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.
Registered Office:
69 Morrison Street,
Edinburgh
EH3 8YF

Scottish Widows Bank plc
Company No 154554
Registered Office
67 Morrison Street
Edinburgh
EH3 8YJ
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
Registered Office:
Charlton Place
Andover
Hampshire SP10 1RE
Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 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. Financial Services Register number 193707.

*Scottish Widows Fund Management Limited
Company No. 74517.
Registered Office:
15 Dalkeith Road,
Edinburgh,
EH16 5BU.
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. 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.

4. PRIVACY

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:
(a) Site visits. We collect information on the pages you access. This is then used to help us develop the design and layout of our sites. This includes information on the relative popularity of each page, the average number of pages accessed, the number of e-mails sent or files downloaded, and the average time spent on the site. None of this information is linked back to you as an individual. We use 'WebTrends Live' to analyse traffic to this website. You can view the
WebTrends Live privacy policy on their website.
(b) E-mail addresses. If you supply an e-mail address to us, it is kept in confidence and used solely to answer your enquiry or to comply with your request. We retain the content of the form or e-mail, the e-mail address and our response. This enables us to retain an audit trail of our contact and provide you with the product, service or information you may have requested.
(c) Telephone numbers. If you request a telephone call you consent to us using the information provided. In addition, we will ask for a contact telephone number on general enquiry forms which will allow us to contact you if we encounter problems with e-mail. We will only contact you by telephone between the of 8am to 8pm Monday to Friday and 9am to 5pm Saturday and Sunday unless you consent to or request contact outside those hours.
(d) Cookies: Cookies are small pieces of information sent by websites to the browser on your computer's hard drive. Our cookies are used to keep track of your online session, they are maintained only throughout one session on the site and automatically expire after 15 minutes. Our cookies do not collect any personal identifying information or confidential information such as passwords or policy numbers. Most web browsers automatically accept cookies, although you can choose not to accept them. By doing so, some parts of our website will not function as designed. You can change the settings on your browser so you will be given a warning before cookies are used, along with the option to use them or not, or you can disable cookies as follows:

Internet Explorer

  • Go to the Tools menu then select Internet Options
  • Click on the Security tab
  • Click on the Internet icon followed by the Custom Level button at the bottom of the window
  • Scroll down the page until you come to Cookies. Under Allow cookies that are stored on your computer select either Prompt or Disable
  • Click OK.

Netscape Navigator

  • Go to the Edit menu then select Preferences
  • Click on the Advanced category
  • Under Cookies select either Warn me before accepting a cookie or Disable cookies
  • Click OK

(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.

IMPORTANT NOTES
We may record and monitor calls to help us to improve our service. Representatives of Scottish Widows only offer information and advice on life, pension and investment products from Scottish Widows Limited and Scottish Widows Unit Trust Managers Ltd. Full terms and conditions are available on request from Scottish Widows. Charges, terms and limits may change. This site is intended for UK residents only. A hard copy of all literature is available from Scottish Widows on request.

Scottish Widows Limited. Registered in England and Wales No. 3196171. Registered office in the United Kingdom at 25 Gresham Street, London EC2V 7HN. Telephone: 0131 655 6000.

Scottish Widows Limited 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 Unit Trust Managers Limited. Registered in England and Wales No. 1629925. Registered Office in the United Kingdom at Charlton Place, Andover, Hampshire SP10 1RE. Tel: 0345 300 2244

Scottish Widows Unit Trust Managers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 122129. (www.fca.org.uk/firms/systems-reporting/register).

© Copyright Scottish Widows 1998 onwards, all rights reserved. Copyright, Companies, Legal & Privacy Information.