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Legal and Privacy

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 defined below: 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 Limited 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, register no. 181655.

Scottish Widows Services Limited
Company No 189975.
Registered Office:
69 Morrison Street,
Edinburgh
EH3 8BW

Our other companies and their addresses

Scottish Widows Bank, a trading name of Lloyds Bank plc
Company No. 2065
Registered Office
25 Gresham Street
London
EC2V 7HN

VAT registration number: 244155576

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register no. 119278.

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, register no. 122129.

Scottish Widows Fund Management Limited
Company No. 74517.
Registered Office:
15 Dalkeith Road
Edinburgh
EH16 5BU
Authorised and regulated by the Financial Conduct Authority, register no. 119359.

All of the above companies are part of the Lloyds Banking Group.

The Financial services register can be accessed at http://www.fca.org.uk/register/.

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.

Privacy

How we use your personal information

Your information will be held by Scottish Widows Companies, consisting of Scottish Widows Limited, Scottish Widows Unit Trust Managers Limited, HBOS Investment Fund Managers Limited and Scottish Widows Administration Services Limited, which are part of Lloyds Banking Group. This privacy notice is to let you know how companies within the Group promise to look after your personal information. This includes what you tell us about yourself, what we learn by having you as a customer, and the choices you give us about what marketing you want us to send you. This notice also tells you about your privacy rights and how the law protects you.

Our privacy promise

We promise:

  • To keep your data safe and private.
  • Not to sell your data.
  • To give you ways to manage and review your marketing choices at any time.

Data privacy laws will change on 25 May 2018

This notice sets out most of your rights under the new laws. We’ll update it again between now and 25 May 2018 when changes come into effect.

Who we are

Lloyds Banking Group is made up of many different legal entities. We'll let you know which you have a relationship with, when you take out a product or service with us.

You can find out more about us at www.lloydsbankinggroup.com

If you have any questions, or want more details about how we use your personal information, you can ask us using our secure online contact form.

Or you can call us on 0345 300 2244 (+44 131 655 6000 from outside the UK).

How the law protects you

As well as our Privacy Promise, your privacy is protected by law. This section explains how that works.

Data Protection law says that we are allowed to use personal information only if we have a proper reason to do so. This includes sharing it outside Lloyds Banking Group. The law says we must have one or more of these reasons:

  • To fulfil a contract we have with you, or
  • When it is our legal duty, or
  • When it is in our legitimate interest, or
  • When you consent to it.

A legitimate interest is when we have a business or commercial reason to use your information. But even then, it must not unfairly go against what is right and best for you. If we rely on our legitimate interest, we will tell you what that is.

Here is a list of all the ways that we may use your personal information, and which of the reasons we rely on to do so. This is also where we tell you what our legitimate interests are.

What we use your personal information for Our reasons Our legitimate interests
  • To manage our relationship with you or your business.
  • To develop new ways to meet our customers’ needs and to grow our business.
  • To develop and carry out marketing activities.
  • To study how our customers use products and services from us and other organisations.
  • To provide advice or guidance about our products and services.
  • Your consent.
  • Fulfilling contracts.
  • Our legitimate interests.
  • Our legal duty.
  • Keeping our records up to date, working out which of our products and services may interest you and telling you about them.
  • Developing products and services, and what we charge for them.
  • Defining types of customers for new products or services.
  • Seeking your consent when we need it to contact you.
  • Being efficient about how we fulfil our legal duties.
  • To develop and manage our brands, products and services.
  • To test new products.
  • To manage how we work with other companies that provide services to us and our customers.
  • Fulfilling contracts.
  • Our legitimate interests.
  • Our legal duty.
  • Developing products and services, and what we charge for them.
  • Defining types of customers for new products or services.
  • Being efficient about how we fulfil our legal and contractual duties.
  • To deliver our products and services.
  • To make and manage customer payments.
  • To manage fees, charges and interest due on customer accounts.
  • To collect and recover money that is owed to us.
  • To manage and provide treasury and investment products and services.
  • Fulfilling contracts.
  • Our legitimate interests.
  • Our legal duty.
  • Being efficient about how we fulfil our legal and contractual duties.
  • Complying with regulations that apply to us.
  • To detect, investigate, report, and seek to prevent financial crime.
  • To manage risk for us and our customers.
  • To obey laws and regulations that apply to us.
  • To respond to complaints and seek to resolve them.
  • Fulfilling contracts.
  • Our legitimate interests.
  • Our legal duty.
  • Developing and improving how we deal with financial crime, as well as doing our legal duties in this respect.
  • Complying with regulations that apply to us.
  • Being efficient about how we fulfil our legal and contractual duties.
  • To run our business in an efficient and proper way. This includes managing our financial position, business capability, planning, communications, corporate governance, and audit.
  • Our legitimate interests.
  • Our legal duty.
  • Complying with regulations that apply to us.
  • Being efficient about how we fulfil our legal and contractual duties.
  • To exercise our rights set out in agreements or contracts.
  • Fulfilling contracts.
 

Groups of personal information

We use many different kinds of personal information, and group them together like this.

Type of personal information Description
Financial Your financial position, status and history.
Contact Where you live and how to contact you.
Socio-Demographic This includes details about your work or profession, nationality, education and where you fit into general social or income groupings.
Transactional Details about payments to and from your accounts with us, and insurance claims you make.
Contractual Details about the products or services we provide to you.
Locational Data we get about where you are, such as may come from your mobile phone, the address where you connect a computer to the internet, or a shop where you buy something with your card.
Behavioural Details about how you use our products and services.
Technical Details on the devices and technology you use.
Communications What we learn about you from letters, emails, and conversations between us.
Social relationships Your family, friends, and other relationships.
Open data and public records Details about you that are in public records such as the Electoral Register, and information about you that is openly available on the internet.
Usage data Other data about how you use our products and services.
Documentary data Details about you that are stored in documents in different formats, or copies of them. This could include things like your passport, drivers licence, or birth certificate.
Special types of data

The law and other regulations treat some types of personal information as special. We will only collect and use these types of data if the law allows us to do so:

  • Racial or ethnic origin
  • Religious or philosophical beliefs
  • Trade union membership
  • Genetic and bio-metric data
  • Health data including gender
  • Criminal convictions and offences.
Consents Any permissions, consents, or preferences that you give us. This includes things like how you want us to contact you, whether you get paper statements, or prefer large-print formats.
National identifier A number or code given to you by a government to identify who you are, such as a National Insurance number.

Where we collect personal information from

We may collect personal information about you (or your business) from other companies within the Lloyds Banking Group and from these sources:

Data you give to us:

  • When you apply for our products and services
  • When you talk to us on the phone or in branch
  • When you use our websites, mobile device apps, web chat or SignVideo services
  • In emails and letters
  • In insurance claims or other documents
  • In financial reviews and interviews
  • In customer surveys
  • If you take part in our competitions or promotions.

Data we collect when you use our services. This includes the amount, frequency, type, location, origin and recipients:

  • Payment and transaction data.
  • Profile and usage data. This includes the profile you create to identify yourself when you connect to our internet, mobile and telephone services. It also includes other data about how you use those services. We gather this data from devices you use to connect to those services, such as computers and mobile phones, using cookies and other internet tracking software.

Data from third parties we work with:

  • Companies that introduce you to us
  • Financial advisers
  • Card associations
  • Credit reference agencies
  • Insurers
  • Retailers
  • Comparison websites
  • Social networks
  • Fraud prevention agencies
  • Employers
  • Payroll service providers
  • Land agents
  • Public information sources such as Companies House
  • Loyalty scheme operators
  • Agents working on our behalf
  • Market researchers
  • Medical practitioners*
  • Government and law enforcement agencies.

* For some insurance products, we may ask your GP or other medical professional to send us a report. We will only do this if we get your consent first.

Who we share your personal information with

We may share your personal information with companies within the Lloyds Banking Group and these organisations:

  • Agents and advisers who we use to help run your accounts and services, collect what you owe, and explore new ways of doing business
  • HM Revenue & Customs, regulators and other authorities
  • UK Financial Services Compensation Scheme
  • Credit reference agencies
  • Fraud prevention agencies
  • Employers
  • Any party linked with you or your business’s product or service
  • Companies we have a joint venture or agreement to co-operate with
  • Organisations that introduce you to us
  • Companies that we introduce you to
  • Market researchers
  • Independent Financial Advisors
  • Price comparison websites and similar companies that offer ways to research and apply for financial products and services
  • Companies you ask us to share your data with.

We may need to share your personal information with other organisations to provide you with the product or service you have chosen:

  • If you have a debit, credit or charge card with us, we will share transaction details with companies which help us to provide this service (such as Visa and Mastercard).
  • If you have a product which has a loyalty scheme, like Avios, we will share your data with that scheme.
  • If you use direct debits, we will share your data with the Direct Debit scheme.
  • If you apply for insurance with us, we may share your personal or business details with reinsurers.
  • If you make an insurance claim, information you give to us or the reinsurer may be put on a register of claims that is shared with other insurers. We will also share your personal data with our suppliers, agents and sub-contractors. In some cases we may also share it with our business partners with whom you have a relationship.
  • If you have a secured loan or mortgage with us, we may share information with other lenders who also hold a charge on the property.

We may also share your personal information if the make-up of Lloyds Banking Group changes in the future:

  • We may choose to sell, transfer, or merge parts of our business, or our assets. Or we may seek to acquire other businesses or merge with them.
  • During any such process, we may share your data with other parties. We’ll only do this if they agree to keep your data safe and private.
  • If the change to our Group happens, then other parties may use your data in the same way as set out in this notice.

How we use your information to make automated decisions

We sometimes use systems to make automated decisions based on personal information we have – or are allowed to collect from others – about you or your business. This helps us to make sure our decisions are quick, fair, efficient and correct, based on what we know. These automated decisions can affect the products, services or features we may offer you now or in the future, or the price that we charge you for them.

Here are the types of automated decision we make:

Pricing

We may decide what to charge for some products and services based on what we know.

Tailoring products and services

We may place you in groups with similar customers. These are called customer segments. We use these to study and learn about our customers’ needs, and to make decisions based on what we learn. This helps us to design products and services for different customer segments, and to manage our relationships with them.

Detecting fraud

We use your personal information to help decide if your personal or business accounts may be being used for fraud or money-laundering. We may detect that an account is being used in ways that fraudsters work. Or we may notice that an account is being used in a way that is unusual for you or your business. If we think there is a risk of fraud, we may stop activity on the accounts or refuse access to them.

Opening accounts

When you open an account with us, we check that the product or service is relevant for you, based on what we know. We also check that you or your business meets the conditions needed to open the account. This may include checking age, residency, nationality or financial position.

Approving credit

We use a system to decide whether to lend money to you or your business, when you apply for credit such as a loan or credit card. This is called credit scoring. It uses past data to assess how you’re likely to act while paying back any money you borrow. This includes data about similar accounts you may have had before.

Credit scoring uses data from three sources:

  • Your application form
  • Credit reference agencies
  • Data we may already hold.

It gives an overall assessment based on this. Banks and other lenders use this to help us make responsible lending decisions that are fair and informed.

Credit scoring methods are tested regularly to make sure they are fair and unbiased.

Your rights

As a person you have rights over automated decisions.

  • You can ask that we do not make our decision based on the automated score alone.
  • You can object to an automated decision, and ask that a person reviews it.

If you want to know more about these rights, please contact us.

Credit reference agencies (CRAs)

We carry out credit and identity checks when you apply for a product or services for you or your business. We may use credit reference agencies to help us with this.

If you use our services, from time to time we may also search information that the CRAs have, to help us manage those accounts.

We will share your personal information with CRAs and they will give us information about you. The data we exchange can include:

  • Name, address and date of birth
  • Credit application
  • Details of any shared credit
  • Financial situation and history
  • Public information, from sources such as the electoral register and Companies House.

We’ll use this data to:

  • Assess whether you or your business is able to afford to make repayments
  • Make sure what you’ve told us is true and correct
  • Help detect and prevent financial crime
  • Manage accounts with us
  • Trace and recover debts
  • Make sure that we tell you about relevant offers.

We will go on sharing your personal information with CRAs for as long as you are a customer. This will include details about your settled accounts and any debts not fully repaid on time. It will also include details of funds going into the account, and the account balance. If you borrow, it will also include details of your repayments and whether you repay in full and on time. The CRAs may give this information to other organisations that want to check credit status. We will also tell the CRAs when you settle your accounts with us.

When we ask CRAs about you or your business, they will note it on your credit file. This is called a credit search. Other lenders may see this and we may see credit searches from other lenders.

If you apply for a product with someone else, we will link your records with theirs. We will do the same if you tell us you have a spouse, partner or civil partner – or that you are in business with other partners or directors.

You should tell them about this before you apply for a product or service. It is important that they know your records will be linked together, and that credit searches may be made on them.

CRAs will also link your records together. These links will stay on your files unless one of you asks the CRAs to break the link. You will normally need to give proof that you no longer have a financial link with each other.

You can find out more about the CRAs on their websites, in the Credit Reference Agency Information Notice. This includes details about:

  • Who they are
  • Their role as fraud prevention agencies
  • The data they hold and how they use it
  • How they share personal information
  • How long they can keep data
  • Your data protection rights.

Here are links to the information notice for each of the three main Credit Reference Agencies:

Fraud prevention agencies (FPAs)

We may need to confirm your identity before we provide products or services to you or your business. Once you have become a customer of ours, we will also share your personal information as needed to help detect fraud and money-laundering risks. We use fraud prevention agencies to help us with this.

Both we and fraud prevention agencies can only use your personal information if we have a proper reason to do so. It must be needed either for us to obey the law, or for a ‘legitimate interest’.

A legitimate interest is when we have a business or commercial reason to use your information. This must not unfairly go against what is right and best for you.

We will use the information to:

  • Confirm identities
  • Help prevent fraud and money-laundering
  • Fulfil any contracts you or your business has with us.

We or an FPA may allow law enforcement agencies to access your personal information. This is to support their duty to detect, investigate, prevent and prosecute crime.

FPAs can keep personal information for different lengths of time. They can keep your data for up to six years if they find a risk of fraud or money-laundering.

The information we use

These are some of the kinds of personal information that we use:

  • Name
  • Date of birth
  • Residential address
  • History of where you have lived
  • Contact details, such as email addresses and phone numbers
  • Financial data
  • Data relating to your or your businesses products or services
  • Employment details
  • Vehicle details
  • Data that identifies computers or other devices you use to connect to the internet. This includes your Internet Protocol (IP) address.

Automated decisions for fraud prevention

The information we have for you or your business is made up of what you tell us, and data we collect when you use our services, or from third parties we work with.

We and FPAs may process your personal information in systems that look for fraud by studying patterns in the data. We may find that an account is being used in ways that fraudsters work. Or we may notice that an account is being used in a way that is unusual for you or your business. Either of these could indicate a possible risk of fraud or money-laundering.

How this can affect you

If we or an FPA decide there is a risk of fraud, we may stop activity on the accounts or block access to them. FPAs will also keep a record of the risk that you or your business may pose.

This may result in other organisations refusing to provide you with products or services, or to employ you.

Data transfers out of the EEA

FPAs may send personal information to countries outside the European Economic Area (‘EEA’). When they do, there will be a contract in place to make sure the recipient protects the data to the same standard as the EEA. This may include following international frameworks for making data sharing secure.

Sending data outside of the EEA

We will only send your data outside of the European Economic Area (‘EEA’) to:

  • Follow your instructions
  • Comply with a legal duty
  • Work with our agents and advisers who we use to help run your accounts and services.

If we do transfer information to our agents or advisers outside of the EEA, we will make sure that it is protected in the same way as if it was being used in the EEA. We’ll use one of these safeguards:

  • Transfer it to a non-EEA country with privacy laws that give the same protection as the EEA. Learn more on the European Commission Justice website.
  • Put in place a contract with the recipient that means they must protect it to the same standards as the EEA. Read more about this.
  • Transfer it to organisations that are part of Privacy Shield. This is a framework that sets privacy standards for data sent between the US and EU countries. It makes sure those standards are similar to what is used within the EEA. You can find out more about data protection on the European Commission Justice website.

If you choose not to give personal information

We may need to collect personal information by law, or under the terms of a contract we have with you.

If you choose not to give us this personal information, it may delay or prevent us from meeting our obligations. It may also mean that we cannot perform services needed to run your accounts or policies. It could mean that we cancel a product or service you have with us.

Any data collection that is optional would be made clear at the point of collection.

Marketing

We may use your personal information to tell you about relevant products and offers. This is what we mean when we talk about ‘marketing’.

The personal information we have for you is made up of what you tell us, and data we collect when you use our services, or from third parties we work with.

We study this to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you.

We can only use your personal information to send you marketing messages if we have either your consent or a ‘legitimate interest’. That is when we have a business or commercial reason to use your information. It must not unfairly go against what is right and best for you.

You can ask us to stop sending you marketing messages by contacting us at any time on 0345 767 8910.

Whatever you choose, you'll still receive statements, and other important information such as changes to your existing products and services.

We may ask you to confirm or update your choices, if you take out any new products or services with us in future. We will also ask you to do this if there are changes in the law, regulation, or the structure of our business.

If you change your mind you can update your choices at any time by contacting us.

How long we keep your personal information

We will keep your personal information for as long as you are a customer of Lloyds Banking Group.

After you stop being a customer, we may keep your data for up to 10 years for one of these reasons:

  • To respond to any questions or complaints
  • To show that we treated you fairly
  • To maintain records according to rules that apply to us.

We may keep your data for longer than 10 years if we cannot delete it for legal, regulatory or technical reasons. We may also keep it for research or statistical purposes. If we do, we will make sure that your privacy is protected and only use it for those purposes.

How to get a copy of your personal information

You can access your personal information we hold by calling us on 0345 767 8910, or by writing to us at this address:

Scottish Widows
DSAR Department
15 Dalkeith Road
Edinburgh
EH16 5BU

Letting us know if your personal information is incorrect

You have the right to question any information we have about you that you think is wrong or incomplete. Please contact us if you want to do this.

If you do, we will take reasonable steps to check its accuracy and correct it.

What if you want us to stop using your personal information?

You have the right to object to our use of your personal information, or to ask us to delete, remove, or stop using your personal information if there is no need for us to keep it. This is known as the ‘right to object’ and ‘right to erasure’, or the ‘right to be forgotten’.

There may be legal or other official reasons why we need to keep or use your data. But please tell us if you think that we should not be using it.

We may sometimes be able to restrict the use of your data. This means that it can only be used for certain things, such as legal claims or to exercise legal rights. In this situation, we would not use or share your information in other ways while it is restricted.

You can ask us to restrict the use of your personal information if:

  • It is not accurate
  • It has been used unlawfully but you don’t want us to delete it
  • It not relevant any more, but you want us to keep it for use in legal claims
  • You have already asked us to stop using your data but you are waiting for us to tell you if we are allowed to keep on using it.

If you want to object to how we use your data, or ask us to delete it or restrict how we use it or, please contact us.

How to withdraw your consent

You can withdraw your consent at any time. Please contact us if you want to do so.

If you withdraw your consent, we may not be able to provide certain products or services to you. If this is so, we will tell you.

How to complain

Please let us know if you are unhappy with how we have used your personal information. You can contact us using our secure online contact form.

You also have the right to complain to the Information Commissioner’s Office. Find out on their website how to report a concern.

Future formats for sharing data

The Data Privacy laws will change on 25 May 2018. From that date you will have the right to get your personal information from us in a format that can be easily re-used. You can also ask us to pass on your personal information in this format to other organisations.

We are working with our industry to improve the way your data is shared. We’ll update this notice with more details before 25 May 2018.

Cookies

To find out more about how we use cookies please see our cookie notice.

Using your information to help prevent terrorism and crime

The Government also requires us to screen applications that are made to us to ensure we are complying with the international fight against terrorism and other criminal activities. As a result of this we may need to disclose information to government bodies.

Sharing personal information between joint applicants

If you give personal information about someone else (such as a joint applicant) then you should not do so without their permission. Where information is provided by you about someone else, or someone discloses information about you, it may be added to any personal information that is already held by us and it will be used in the ways described in this privacy notice.

Sometimes, when you open a joint account or product, this may mean that your personal data will be shared with the other applicant. For example, transactions made by you will be seen by your joint account holder and vice versa.

Undertaking anti-money laundering checks

To comply with money laundering regulations, there are times when we need to confirm (or reconfirm) the name and address of our customers. This information may be shared with other group companies.

Using your details for service contact

Making sure we deliver excellent customer service is very important to us and to do this various methods of communication may be used when sending you information about your account. Most of the time you will be contacted by letter or telephone, but you may also be sent updates by text message or email when it is believed to be appropriate. You can ask us to stop sending these messages at any time. Additionally, in extraordinary circumstances (such as natural disaster or civil unrest) we may also send you updates by text message or email. If we decide to use email to contact you, we will only do this if we have ensured that using email will not put your information at risk or, if you have requested we email you, that we have explained the risks of sending an “insecure” email and that you are happy to accept that risk. In addition you may wish to choose a channel of communication that suits you when you need to contact us. If you need to email a Lloyds Banking Group company, we recommend you check their website to see if a secure email facility exists so that your email can be sent securely. If you send us emails in other ways, such as from your personal account, then remember that the message may not be secure and there is a risk that it could be intercepted. If you choose to send an “insecure” email, please keep the amount of confidential information you include to a minimum.

Recording phone calls

We may monitor or record phone calls with you in case we need to check we have carried out your instructions correctly, to resolve queries or issues, for regulatory purposes, to help improve our quality of service, and to help detect or prevent fraud or other crimes. Conversations may also be monitored for staff training purposes.

Using information on social networking sites

As part of our ongoing commitment to understanding our customers better, we may research comments and opinions made public on social networking sites such as Twitter and Facebook.

Using your personal information to contact you about products and services

Lloyds Banking Group companies will use your personal information so we can provide you with product details and offers that are more relevant to you. This may include products and services from companies outside of our Group if we believe they may be of interest to you or benefit you financially. This contact may continue after your relationship with us ends.

We might contact you by mail, telephone, email, or text message unless you have asked us not to. We may also display personalised messages when you use our internet banking service or mobile app. You can change your preferences at any time by calling us or writing to us.

Unless you have given us your consent, we will not provide information about you to companies outside our group to use for their own marketing purposes.

You may opt out of receiving this information at any time by calling us, on 0345 767 8910 or writing to us at Scottish Widows, 15 Dalkeith Road, Edinburgh EH16 5BU.

Passing your information to other companies for their own direct marketing

Unless you have given us your consent, we will not provide information about you to companies outside our Group to use for their own marketing purposes.

Viewing notifications

Organisations must lodge a notification with their Regulator describing the purposes for which they process personal information. The details are publicly available from the Regulator’s office and you can view ours at ico.org.uk/esdwebpages/search

Cookies

Cookies are text files containing small amounts of information which are downloaded to your device when you visit a web site. Cookies are then sent back to the originating web site on each subsequent visit, or to another web site that recognises that cookie. Cookies are useful because they allow a web site to recognise a user’s device.

Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improve the user experience. They can also ensure that adverts you see online are more relevant to you and your interests.

With most internet browsers, you can erase cookies from your computer hard drive, block all cookies or receive a warning before a cookie is stored. If you want to know how to do this please look at the help menu on your web browser. However, please note that switching off or “opting out” of the use of cookies will mean that you may not be able to use certain features of the website. Find out more about the use of cookies and how to switch off cookies on www.cookiecentral.com or www.aboutcookies.org.

The cookies used on our web sites can be categorised in the following ways

Strictly necessary cookies

These cookies are essential in order to enable you to move around the web site and use its features, such as accessing secure areas of the web site. Without these cookies services you have asked for, such as shopping baskets or e-billing, cannot be provided. These cookies don’t gather information about you that could be used for marketing or remembering where you've been on the internet.

By using our Scottish Widows consumer site, Scottish Widows Adviser Extranet, Scottish Widows Consumer Secure Services, Scottish Widows Corporate Secure Services, Clerical Medical Group Pension eServices, Clerical Medical.co.uk and Clerical Medical offshore.com you agree that we can place these types of cookies on your device.

Strictly necessary cookies used within our sites in this category:

Cookie Name Purpose Use when you visit these sites
ONTCred A Security Cookie used for authentication purposes and site security. This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
Clerical Medical Group Pension eServices
ONTCred_Authen_Method A Security Cookie used for authentication purposes and site security. This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
IDX Published by website's underlying technologies. This cookie is required for user authentication purposes. This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
Clerical Medical Group Pension eServices
LO Published by website's underlying technologies. This cookie is required for user authentication purposes. This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
Clerical Medical Group Pension eServices
HxSession A persistent cookie which contains a user's unique session record it is required for user authentication purposes at the point a secure session is opened whilst revisiting the site. Scottish Widows Adviser Extranet Clerical Medical
Clerical Medical.co.uk
Clerical Medical offshore.com
.ADVISERASPXAUTH This is the name of the cookie used for user authentication. This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
Clerical Medical Group Pension eServices
WasLoggedIn This cookie is used by us to identify you as a logged in user. This allows us to remember certain settings, like which part of the website you were using before you were asked to sign in or register. This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
Clerical Medical Group Pension eServices
OriginalSessionId This cookie is used by us to identify you as a logged in user. This allows us to remember certain settings, like which part of the website you were using before you were asked to sign in or register. This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
Timeout This cookie is used by us to identify you as a logged in user. This allows us to remember certain settings, like which part of the website you were using before you were asked to sign in or register. This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
LoginCookie Stores the Login method and Logged In details This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
logintohomepageredirect This cookie is used to indicate if you are using Unipass Digital Certificate functionality on login. By determining this the user journey is tailored to bypass certain areas of the site that relate to a username and password. This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
Clerical Medical Group Pension eServices
sw-err-onpge This cookie is used to determine which page to return you to in the event any error message is being displayed This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
sw-ex-s Used in conjunction with the SW-ex-o cookie this secure session cookie is used to ensure the user remains logged in after loading a new page Scottish Widows Adviser Extranet
sw-ex-o Used in conjunction with the SW-ex-s cookie this secure session cookie is used to ensure the user remains logged in after loading a new page Scottish Widows Adviser Extranet
JSESSIONID This Cookie is used when applying for certain product types for example Retirement Account. This cookie is destroyed each time you close your browser Scottish Widows Adviser Extranet
Scottish Widows Consumer Secure Services
Scottish Widows Corporate Secure Services
Money4Life Portal
SW-LL-ORD This cookie is used for ordering documents from our literature library area. This cookie is destroyed each time you close your browser. Scottish Widows Adviser Extranet
SW_UTSession This cookie is used when applying for certain product types (for example Retirement Account) or viewing details of your existing policies.
This cookie is destroyed each time you close your browser
Scottish Widows Adviser Extranet
Scottish Widows Consumer Secure Services
Scottish Widows Corporate Secure Services
SW_Session This cookie is used when applying for certain product types (for example Retirement Account) or viewing details of your existing policies.
This cookie is destroyed each time you close your browser
Scottish Widows Adviser Extranet
Scottish Widows Consumer Secure Services
Scottish Widows Corporate Secure Services
Calling _URL remembers where the user was coming from, so they can be returned to the same page after they've logged in Clerical Medical Group Pension eServices
ONTReqAuthenMethod A Security Cookie used for authentication purposes and site security. This cookie is destroyed each time you close your browser Clerical Medical Group Pension eServices
Hx A persistent cookie which contains a users unique session record it is required for user authentication purposes at the point a secure session is opened whilst revisiting the site. Clerical Medical Group Pension eServices
ASP.NET_SessionId General session cookie required by ASP.NET engine Clerical Medical Group Pension eServices
ASPSESSIONIDSAADTBAC General session cookie required by ASP engine Clerical Medical.co.uk
Clerical Medical offshore.com
branding This cookies recognises if the user is a Zurich or a Scottish Widows customer for the purposes of showing them to correct branding on the site. Money4Life Portal
username This cookie saves the username of the user, if the user clicks on "Remember me on this computer" on the Login page. Money4Life Portal
prd108_SAMLart This cookie has information about the user session and is deleted when the tab is closed or on logout. Automatic Enrolment Utility
prd108_ct This cookie provides additional security for prd108_SAMLart and is deleted when the tab is closed or on logout. Automatic Enrolment Utility

Performance cookies

These cookies collect information about how visitors use a web site, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don't collect information that identifies a visitor. All information these cookies collect is anonymous and is only used to improve how a web site works.

By using our Scottish Widows consumer site, Scottish Widows Adviser Extranet, Scottish Widows Consumer Secure Services, Scottish Widows Corporate Secure Services, Clerical Medical Group Pension eServices, Clerical Medical.co.uk and Clerical Medical offshore.com you agree that we can place these types of cookies on your device.

How to reject or delete these cookies: www.aboutcookies.org

Performance cookies used within our sites in this category are:

Cookie Name Purpose Use when you visit these sites
ns_session Used with the s1 cookie to identify user sessions on The website. Data is only used in aggregate. This cookie is destroyed each time you close your browser. Scottish Widows Adviser Extranet
ns_cookietest Used to confirm that your browser is able to accept cookies. This cookie is destroyed each time you close your browser. Scottish Widows Adviser Extranet
s1 Used in conjunction with the C1 cookie, this is a unique identifier given to each computer to allow log analysis to determine the number of unique users for various parts of our websites. Data is only used in aggregate. Scottish Widows Adviser Extranet
Scottish Widows.co.uk
Scottish Widows Consumer Secure Services
Scottish Widows Corporate Secure Services
Clerical Medical Group Pension eServices
c1 Used in conjunction with the S1 cookie, this is a unique identifier given to each computer to allow log analysis to determine the number of unique users for various parts of our websites. Data is only used in aggregate. Scottish Widows Adviser Extranet
Scottish Widows.co.uk
Scottish Widows Consumer Secure Services
Scottish Widows Corporate Secure Services Clerical Medical Group Pension eServices
utmz Analytics cookie which stores where a visiting user has come from by way of other websites Scottish Widows.co.uk
Clerical Medical.co.uk
Clerical Medical offshore.com
utma Analytics cookie that stores the amount of visits made, the time of the first visit, the previous visit, and the current visit. Scottish Widows.co.uk
Clerical Medical.co.uk
Clerical Medical offshore.com
utmc & utmb Analytics cookie that’s used to check approximately how long you stay on a site: when a visit starts, and approximately ends . This cookie is destroyed each time you close your browser Scottish Widows.co.uk
Clerical Medical.co.uk
Clerical Medical offshore.com
sp3dtag Analytics cookie that stores the amount of visits made, the time of the first visit, the previous visit, and the current visit. Scottish Widows.co.uk
rwtag Analytics cookie that stores the amount of visits made, the time of the first visit, the previous visit, and the current visit. Scottish Widows.co.uk
id Analytics cookie that stores the amount of visits made, the time of the first visit, the previous visit, and the current visit. Clerical Medical.co.uk
Clerical Medical offshore.com
PHPSESSID A Session cookie used by "Find IFA pages" Clerical Medical.co.uk
Clerical Medical offshore.com
sw-ppc-inf Used to identify whether a user has come from external Pay Per Click advertising url. Details are stored in cookie for 30 day duration. Scottish Widows.co.uk
sw-ab-test-inf used to hold randomised values to test controlled experiments for web development and marketing purposes. Scottish Widows.co.uk
sw-quickquote-inf used to hold calculation details from the protection for life quick quote tool. Details are stored in cookie for 30 day duration. Scottish Widows.co.uk
quote.scottishwidows.co.uk/quickquote
sw-quickquote-inf used to hold calculation details from the protection for life quick quote tool. Details are stored in cookie for 30 day duration. Scottish Widows.co.uk
quote.scottishwidows.co.uk/quickquote
DoubleClickID This is an anonymous, unique identifier used to track how successful our advertising is. The Google DoubleClick cookie also enables Google and its partners to track and serve our advertisements on other websites across the internet based on your visit history (or behavioural profile) to our website. Recent click history for your device is also collected in encrypted form. This allows external advertisers to target users of the device with adverts based on perceived interests. The cookie doesn’t store the IP address, but this is passed through to Google along with the cookie by the browser. Google then renders the IP address unreadable by removing the last 3 characters. No personally identifiable data is collected or stored. This is a third-party cookie.

You can control the ads that you see on Google and find out more about how the ads are selected for you by visiting www.google.com/settings/ads. Alternatively, you can also manage and opt-out of Google DoubleClick and other third-party cookies by visiting www.youronlinechoices.com/uk/your-ad-choices

Scottish Widows.co.uk

Functionality cookies

These cookies allow the web site to remember choices you make (such as your user name, language or the region you are in) and provide enhanced features. For instance, a web site may be able to provide you with local weather reports or traffic news by storing in a cookie the region in which you are currently located. These cookies can also be used to remember changes you have made to text size, font and other parts of web pages that you can customise. They may also be used to provide services you have requested such as watching a video or commenting on a blog. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites.

By using our Scottish Widows consumer site, Scottish Widows Adviser Extranet, Scottish Widows Consumer Secure Services, Scottish Widows Corporate Secure Services, Clerical Medical Group Pension eServices, Clerical Medical.co.uk and Clerical Medical offshore.com you agree that we can place these types of cookies on your device.

How to reject or delete these cookies: www.aboutcookies.org

Functionality cookies used within our sites in this category are:

Cookie Name Purpose Use when you visit these sites
sw-stat-inf This cookie captures user information such as name, regulatory details and persona type of users of the Adviser Extranet from the point at which they have registered for secure access. Scottish Widows Adviser Extranet
sw-warn-brow Remembers whether the browser warning screen was shown Scottish Widows Adviser Extranet
Clerical Medical Group Pension eServices
sw-warn-adv Remembers whether the adviser warning screen was shown Scottish Widows Adviser Extranet
Clerical Medical Group Pension eServices
sw-infosite-inf Remembers when the infosite information pop up message has been shown Scottish Widows
sw-infosite-outage Remembers when the infosite planned outage message notification has been shown Scottish Widows
sw-outage Remembers when the consumer site planned outage message notifications have been shown Scottish Widows

Targeting cookies

These cookies collect several pieces of information about your browsing habits. They are usually placed by advertising networks. They remember that you have visited a website and this information is shared with other organisations such as media publishers. These organisations do this in order to provide you with targeted adverts more relevant to you and your interests. This type of advertising is called online behavioural advertising and places an icon in the top right hand corner of an advert. This icon, when clicked, will take you through to the website Your Online Choices where there is more help and guidance for you to opt-out of this type of advertising. You can also block these cookies using your browser settings. By using our websites you agree that we can place these types of cookies on your device.

Targeting cookies used within our sites in this category are:

Cookie Name Purpose Use when you visit these sites

Xaxis

This website uses the Xaxis remarketing service to advertise our products and services on other websites to previous visitors to our site. Any data collected will be used in accordance with our own privacy policy and the Xaxis privacy policy. No personally identifiable data is collected or stored. This is a third-party cookie.

You can opt out of receiving customised third-party advertisements via Xaxis technologies by visiting http://www.xaxis.com/optout. Alternatively, you can also manage and opt-out of Xaxis and other third-party cookies by visiting www.youronlinechoices.com/uk/your-ad-choices.

Scottish Widows.co.uk

Scottish Widows Adviser Extranet

Google AdWords

This website uses the Google AdWords remarketing service to advertise our products and services on other websites (including Google) to previous visitors to our site. This could be in the form of an advertisement on the Google search results page, or a site in the Google Display Network. Any data collected will be used in accordance with our own privacy policy and Google’s privacy policy. The cookies are valid for 30 days from creation. This is a third party cookie

You can control the ads that you see on Google and find out more about how the ads are selected for you by visiting www.google.com/settings/ads. Alternatively, you can also manage and opt-out of Google Adwords and other third-party cookies by visiting www.youronlinechoices.com/uk/your-ad-choices.

Scottish Widows.co.uk

Scottish Widows Adviser Extranet

Social media

This website uses the Facebook, Twitter and Linkedin remarketing services to advertise our content, products and services on these social media channels to previous visitors to our site. Any data collected will be used in accordance with our own privacy policy and the social network's privacy policy.

Detail around how you may opt out of receiving these cookies are found in the links below:

Scottish Widows.co.uk

Scottish Widows Adviser Extranet

DoubleClick ID

This is an anonymous, unique identifier used to track how successful our advertising is. The Google DoubleClick cookie also enables Google and its partners to track and serve our advertisements on other websites across the Internet based on your visit history (or behaviourial profile) to our website. Recent click history for your device is also collected in encrypted form, this allows external advertisers to target users of the device with adverts based on perceived interests. The cookie doesn’t store the IP address, but this is passed through to Google along with cookie by the browser. Google then renders the IP address unreadable by removing the last 3 characters. No personally identifiable data is collected or stored. This is a third-party cookie.

You can control the ads that you see on Google and find out more about how the ads are selected for you by visiting www.google.com/settings/ads. Alternatively, you can also manage and opt-out of Google DoubleClick and other third party cookies by visiting www.youronlinechoices.com.

Scottish Widows.co.uk

Scottish Widows Adviser Extranet

Analytics cookies in use on our sites

Google Analytics Scottish Widows websites use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics sets a cookie in order to evaluate your use of the site and compile reports for us on activity. Google stores the information collected by a cookie and may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google.

By using our Scottish Widows consumer site, Scottish Widows Adviser Extranet, Scottish Widows Consumer Secure Services, Scottish Widows Corporate Secure Services, Clerical Medical Group Pension eServices, Clerical Medical.co.uk and Clerical Medical offshore.com you agree that we can place these types of cookies on your device.

How to reject or delete these cookies: www.google.com/intl/en/privacypolicy.html

Google Analytics cookies in use on this site:

Cookie Name Purpose Use when you visit these sites
utmz Analytics cookie which stores where a visiting user has come from by way of other websites. Scottish Widows.co.uk
Clerical Medical.co.uk
Clerical Medical offshore.com
utma Analytics cookie that stores the amount of visits made, the time of the first visit, the previous visit, and the current visit. Scottish Widows.co.uk
Clerical Medical.co.uk
Clerical Medical offshore.com
utmc & utmb Analytics cookie that’s used to check approximately how long you stay on a site: when a visit starts, and approximately ends. This cookie is destroyed each time you close your browser. Scottish Widows.co.uk
Clerical Medical.co.uk
Clerical Medical offshore.com
sp3dtag Analytics cookie that stores the amount of visits made, the time of the first visit, the previous visit, and the current visit. Scottish Widows.co.uk
rwtag Analytics cookie that stores the amount of visits made, the time of the first visit, the previous visit, and the current visit. Scottish Widows.co.uk

How to reject or delete these cookies

ComScore An independent measurement and research company gathers information regarding visitor activity on Scottish Widows websites and other Scottish Widows online services. Data is gathered on Scottish Widows behalf using cookies, log file data, and code that is embedded on our websites. Scottish Widows uses this information to help improve the services it provides to its users.

Information (such as IP addresses) that comScore collects is done so in accordance with the EU’s data protection requirements. For information on how comScore treats personal data please see the comScore Privacy Policy.

ComScore Cookies in use on this site:

s1 Used in conjunction with the C1 cookie This is a unique identifier given to each computer to allow log analysis to determine the number of unique users for various parts of our websites. Data is only used in aggregate. Scottish Widows Adviser Extranet
Scottish Widows.co.uk
Scottish Widows Consumer Secure Services
Scottish Widows Corporate Secure Services
Clerical Medical Group Pension eServices
c1 Used in conjunction with the S1 cookie, this is a unique identifier given to each computer to allow log analysis to determine the number of unique users for various parts of our websites. Data is only used in aggregate. Scottish Widows Adviser Extranet
Scottish Widows.co.uk
Scottish Widows Consumer Secure Services Scottish Widows Corporate Secure Services

How to reject or delete these cookies

Oracle

Scottish Widows Consumer secure services use Oracle to run the ISA Valuation click to chat service.

Cookies are used to store information about a visitor's current session for use in rules that control when click-to-chat invitations are shown.

In addition,Scottish Widows adviser extranet and consumer site also use Oracle Eloqua tracking cookies. Eloqua cookies gather information regarding visitor activity on Scottish Widows websites and other Scottish Widows online services. Data is gathered on Scottish Widows behalf using cookies, log file data, and code that is embedded on our websites. Scottish Widows uses this information to help improve the services it provides to its users.

Oracle stores the information collected by a cookie and may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Oracle's behalf. Scottish Widows uses this information to help improve the services it provides to its users.

By using our Scottish Widows Consumer Secure Services you agree that we can place these types of cookies on your device.

How to reject or delete these cookies: http://www.oracle.com/us/legal/privacy/privacy-policy-078584.html

You can also find more detail on opting in/out of Eloqua cookies here - http://docs.oracle.com/cloud/latest/marketingcs_gs/OMCAA/Help/General/TrackingScripts/OptingInAndOut.htm

Oracle Cookies in use on this site

Cookie Name Purpose
ELQSITEVISITED This cookie has one single value "Yes". It is a session cookie and will be dropped and set to Yes when the webpage calls elqTrackPageViewDisplayOptInBannerByCountry or elqTrackPageViewDisplayOptInBannerForAll, so the strict-mode banner is only shown once during a session
OPTOUT Has a value pair of s+siteid=1 or s+siteid=0. The purpose of this cookie is to store the client response to the opt-in prompt.
ELQCOUNTRY This cookie has a value of all the countries that are subject to strict-mode tracking in the install
ELQSTATUS This cookie gets dropped ONLY if the client consents to being tracked
ELOQUA This cookie has a value pair of guid = randomly generated string of characters and numbers

How to reject or delete these cookies

Useful information about cookies

Useful information about cookies can be found at:
www.allaboutcookies.org

Webtrends- An independent measurement and research company gathers information regarding visitor activity on Scottish Widows websites and other Scottish Widows online services. Data is gathered on Scottish Widows behalf using cookies, log file data, and code that is embedded on our websites. Scottish Widows uses this information to help improve the services it provides to its users.

Information (such as IP addresses) that Webtrends collects is done so in accordance with the EU’s data protection requirements. For information on how Webtrends treats personal data please see the Webtrends Privacy Policy

Cookie Name Purpose
ACOOKIE ACOOKIE is a Webtrends optimise first party cookie. Lloyds Banking Group has a First party relationship with Webtrends, who act on our behalf. Data contained in the cookie includes:
• visitor identifier (not personal details)
• which of our websites was visited
• the time of the last visit to one of our websites
• the time of this visit
This allows us to understand how recently your device was used to access our website.
WT_FPC This cookie identifies the visitor and the session to track use of our websites so we can improve them. Data contained in the cookie includes a visitor ID which is anonymous, and the time of the start and end of the visit. This is a first party cookie.

_Wt.control-305452-ta loans

Webtrends Optimize cookie is used to record how many times your device has been used to view pages on our website, and tailor the website to those items we think may be of interest based on pages previously visited. The cookie doesn’t store personal information other than the IP address of your device. This is a third party persistent cookie which is stored for 90 days from creation/last visit.
_WT.18 This cookie is used to identify what type of customer you are and sets your default homepage accordingly. We look at your browsing behaviour across our websites and which Internet Banking services you log in to. For example, if we understand that you are a Business Banking customer, for the next time you visit lloydsbank.com you will automatically see the homepage most relevant to your needs, in this case it would be the Business homepage.

 

Internet Advertising Bureau

A guide to behavioural advertising and online privacy has been produced by the internet advertising industry which can be found at:
www.youronlinechoices.eu

International Chamber of Commerce United Kingdom

Information on the ICC (UK) UK cookie guide can be found on the ICC website section: www.international-chamber.co.uk/our-expertise/digitaleconomy

(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.