Access Keys



 

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 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.

HBOS Investment Fund Managers Limited
Company No. 941082
Registered Office:
Trinity Road
Halifax
West Yorkshire
HX1 2RG

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

Last updated on April 2018

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.
Personal information and the law The control you have How personal information is used

This section tells you who we are, what your personal information is, and how we get it. It explains how the law protects you by controlling what is allowed to happen to it.

This section covers how to complain or withdraw your consent. It also tells you how you can get a copy of your personal information, or ask for it to be changed or removed.

This tells you who we share personal information with. It explains what it's used for in marketing, to provide credit and to combat fraud - and how this can affect you.

  1. Who we are
  2. How the law protects you
  3. Groups of Personal Information
  4. Where we collect personal information from
  5. How long we keep your personal information
  6. If you choose not to give personal information
  7. Cookies
  1. How to complain
  2. How to withdraw your consent
  3. Letting us know if your personal information is incorrect
  4. How to get a copy of your personal information
  5. What if you want us to stop using your personal information?
  1. Who we share your personal information with
  2. How we work out what marketing you receive
  3. How we use your information to make automated decisions
  4. Credit Reference Agencies (CRAs)
  5. Fraud prevention agencies
  6. Sending data outside of the EEA

Personal information and the law

Who we are

This section gives you the legal name of the company who holds your personal information – known as the ‘legal entity’ – and tells you how you can get in touch with us.

Lloyds Banking Group is made up of a mix of companies, set up on 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.

Contacting us about data privacy

Please use these details to contact us about any of the topics set out in this privacy notice.

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).
Lines are open Mon to Fri 8am–6pm.
Calls may be monitored or recorded.

If you have a hearing or speech impairment you can also call us using the Next Generation Text (NGT) service. Simply dial 18001 and then the telephone number.

These are our main contact details. Some sections of this notice have special contact details that you can use instead.

How the law protects you

This section sets out the legal reasons we rely on, for each of the ways we may use your personal information.

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.

When we have a business or commercial reason of our own to use your information, this is called a ‘legitimate interest’. We will tell you what that is, if we are going to rely on it as the reason for using your data. Even then, it must not unfairly go against your interests.

The law and other regulations treat some types of sensitive personal information as special. This includes information about racial or ethnic origin, sexual orientation, religious beliefs, trade union membership, health data, and criminal records. We will not collect or use these types of data without your consent unless the law allows us to do so. If we do, it will only be when it is necessary:

  • For reasons of substantial public interest, or
  • To establish, exercise or defend legal claims.

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

Serving you as a customer

  • To manage our relationship with you or your business.
  • To develop and carry out marketing activities.
  • To study how our customers use products and services from us and other organisations.
  • To communicate with you about our products and services.
  • To develop and manage our brands, 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 and contractual duties.

Business improvement

  • To test new products.
  • To manage how we work with other companies that provide services to us and our customers.
  • To develop new ways to meet our customers’ needs and to grow our business.
  • 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.

Managing our operations

  • 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 rules and guidance from regulators.

Managing security, risk and crime prevention

  • 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 rules and guidance from regulators.
  • Being efficient about how we fulfil our legal and contractual duties.

Business management

  • To run our business in an efficient and proper way. This includes managing our financial position, business capability, planning, adding and testing systems and processes, managing communications, corporate governance, and audit.
  • Our legitimate interests
  • Our legal duty
  • Complying with rules and guidance from regulators.
  • Being efficient about how we fulfil our legal and contractual duties.
  • To exercise our rights set out in agreements or contracts.
  • Fulfilling contracts

For processing special categories of personal data

  • Substantial public interest
  • Using criminal records data to help prevent, detect, and prosecute unlawful acts and fraudulent behaviour.
  • Using criminal and health information as needed to provide insurance products.
  • Responding to regulatory requirements
  • Showing whether we have assessed your situation in the right way.
  • Passing information to the regulator as needed to allow investigation into whether we have acted in the right way.
  • Legal claims
  • Using any special categories of data as needed to establish, exercise or defend legal claims.
  • Consent
  • Telling you that we need your consent to process special categories of personal data, when that is what we rely on for doing so.

Groups of Personal Information

This explains what all the different types of personal information mean, that are covered by data protection law.

We use many different kinds of personal information. They are grouped together like this. The groups are all listed here so that you can see what we may know about you, even if we simply get it from seeing which shops you buy things in. We don’t use all this data in the same way. Some of it is useful for marketing, or for providing services to you. But some of it is private and sensitive and we treat it that way.

Type of personal information Description

Financial

Your financial position, status and history.

Contact

Your name, 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. This may come from your mobile phone or the place where you connect a computer to the internet. It can also include shops where you buy something with your card.

Behavioural

Details about how you use products and services from us and other organisations.

Technical

Details on the devices and technology you use.

Communications

What we learn about you from letters and emails you write to us, 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, driving licence, or birth certificate.

Special categories of data

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

  • Racial or ethnic origin
  • Religious, political or philosophical beliefs
  • Trade union membership
  • Genetic and bio-metric data
  • Health data
  • Lifestyle information, including data related to sex life or sexual orientation
  • Criminal records of convictions and offences
  • Allegations of criminal offences.

You can read how we may use special types of data in the table ‘How the law protects you’.

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 if you 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 or social security number, or Tax Identification Number (TIN).

Where we collect personal information from

This section lists all the places where we get data that counts as part of your personal information.

We may collect personal information about you (or your business) from other Lloyds Banking Group companies and any of 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, including recorded calls and notes we make
  • 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 covers two things: details about how and where you access our services, and account activity that is shown on your statement.

  • Payment and transaction data
    This includes the amount, frequency, type, location, origin and recipients.
    If you borrow money, it also includes details of repayments and whether they are made on time and in full.
  • Profile and usage data
    This includes the security details you create and use to connect to our services. It also includes your settings and marketing choices. We also gather data from the devices you use (such as computers and mobile phones) to connect to our internet, mobile and telephone banking services.
    We also use cookies and other internet tracking software to collect data while you are using our websites or mobile apps. You can find out more about this in our Cookies policy.

Data from outside organisations

  • Companies that introduce you to us (such as a store or car dealership offering finance deals through us)
  • Financial advisers
  • Credit card providers like Visa and Mastercard
  • Credit reference agencies such as Callcredit, Equifax and Experian
  • Insurers
  • Retailers
  • Comparison websites
  • Social networks (for instance, when you click on one of our Facebook or Google ads)
  • Fraud prevention agencies
  • Other financial services companies (to help prevent, detect and prosecute unlawful acts and fraudulent behaviour)
  • Employers (for instance, to get a reference if you apply for a mortgage)
  • Payroll service providers
  • Land agents (such as firms who do property valuations for mortgages)
  • Public information sources such as the Electoral Register or Companies House
  • Loyalty schemes like Avios or Everyday Offers
  • Agents, suppliers, sub-contractors and advisers
    These can be types of firm we use to help us run accounts and services. They can also be specialist companies who advise us on ways to develop and improve our business.
  • Market researchers (who combine data from many sources to produce market trend reports and advice.)
  • Medical professionals*
  • Government and law enforcement agencies.

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

How long we keep your personal information

This section explains how long we may keep your information for and why

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

We may keep your data for up to 10 years after you stop being a customer. The reasons we may do this are:

  • To respond to a question or complaint, or to show whether we gave you fair treatment.
  • To study customer data as part of our own internal research.
  • To obey rules that apply to us about keeping records.

We may also keep your data for longer than 10 years if we cannot delete it for legal, regulatory or technical reasons. As an example, we have to hold pension transfer information indefinitely; and in cases of subsidence* we will keep insurance claims data for up to 15 years after you stop being a customer.

We will only use your personal information for those purposes and will make sure that your privacy is protected.

* Subsidence is when a building becomes unsafe or damaged by ground sinking around it.

If you choose not to give personal information

You can choose not to give us personal information. In this section we explain the effects this may have.

We may need to collect personal information by law, or to enter into or fulfil a contract we have with you.

If you choose not to give us this personal information, it may delay or prevent us from fulfilling our contract with you, or doing what we must do by law. It may also mean that we cannot run your accounts or policies. It could mean that we cancel a product or service you have with us.

We sometimes ask for information that is useful, but not required by law or a contract. We will make this clear when we ask for it. You do not have to give us these extra details and it won't affect the products or services you have with us.

Cookies

This section contains a link to our Cookies Policy

Cookies are small computer files that get sent down to your PC, tablet or mobile phone by websites when you visit them. They stay on your device and get sent back to the website they came from, when you go there again. Cookies store information about your visits to that website, such as your choices and other details. Some of this data does not contain personal details about you or your business, but it is still protected by this Privacy notice.

To find out more about how we use cookies, please see our Cookies Policy.

The control you have

How to complain

This section gives details of how to contact us to make a complaint about data privacy. It also shows you where you can get in touch with the government regulator.

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 regulator, and to lodge an appeal if you are not happy with the outcome of a complaint.

In the UK this is the Information Commissioner’s Office. Find out on their website how to report a concern.

In Jersey, please contact the Office of the Information Commissioner
In Guernsey, please contact the Office of the Data Protection Commissioner
In Isle of Man, please contact the Information Commissioner

How to withdraw your consent

This section explains what to do if you no longer want us to hold or use your personal information.

You can withdraw your consent at any time. Please contact us using our secure online contact form if you want to do so.

This will only affect the way we use information when our reason for doing so is that we have your consent. See the section 'Your Rights' about more generally restricting use of your information.

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.

Letting us know if your personal information is incorrect

Here you can find out how to contact us if you think the information we hold for you is wrong, incomplete or out of date.

You have the right to question any information we have about you that you think is incorrect. We’ll take reasonable steps to check this for you and correct it.

If you want to do this, please contact us using our secure online contact form.

Or you can visit one of our branches, or call us on 0345 300 2244 (+44 131 655 6000 from outside the UK).
Lines are open Mon to Fri 8am–6pm.
Calls may be monitored or recorded.

If you have a hearing or speech impairment you can also call us using the Next Generation Text (NGT) service. Simply dial 18001 and then the telephone number.

How to get a copy of your personal information

This section tells you where to write to us to get a copy of your personal information, and how to ask for a digital file you can use yourself or share easily with others. You can do this by writing to us.

You can get a copy of all the personal information we hold about you by writing to us at this address:

Scottish Widows
DSAR Department
15 Dalkeith Road
Edinburgh
EH16 5BU

When you want to share your data with outside companies

You also have the right to get certain personal information from us as a digital file, so you can keep and use it yourself, and give it to other organisations if you choose to. If you wish, we will provide it to you in an electronic format that can be easily re-used, or you can ask us to pass it on to other organisations for you.

If you want to do this, please contact us.

Your rights

What if you want us to stop using your personal information? This section explains about your right to object and other data privacy rights you have – as well as how to contact us about them.

You can object to us keeping or using your personal information. This is known as the ‘right to object’.

You can also 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 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.

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 is 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 we do restrict your information in this way, we will not use or share it in other ways while it is restricted.

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 using our secure online contact form.

Or you can visit one of our branches, or call us on 0345 300 2244 (+44 131 655 6000 from outside the UK).

Lines are open Mon to Fri 8am–6pm.

If you have a hearing or speech impairment you can also call us using the Next Generation Text (NGT) service. Simply dial 18001 and then the telephone number.

How personal information is used

Who we share your personal information with

We may share your personal information with outside organisations such as credit card providers, insurers or tax authorities. This is so that we can provide you with products and services, run our business, and obey rules that apply to us. Here we list all the types of organisation that we may share your personal information with.

Lloyds Banking Group

We may share your personal information with other companies in Lloyds Banking Group.

Authorities

This means official bodies that include:

  • Central and local government
  • HM Revenue & Customs, regulators and other tax authorities
  • UK Financial Services Compensation Scheme and other deposit guarantee schemes
  • Law enforcement and fraud prevention agencies.

Banking and financial services

Outside companies we work with to provide services to you and to run our business.

  • Agents, suppliers, sub-contractors and advisers
    These are types of firm that we use to help us run accounts, policies and services.
  • Agents who help us to collect what is owed to us
  • Credit reference agencies (such as Callcredit, Equifax and Experian)
  • Someone linked with you or your business’s product or service.
    This could mean a joint account holder, trustee, or fellow company director.
  • Other financial services companies (to help prevent, detect and prosecute unlawful acts and fraudulent behaviour)
  • Independent Financial Advisors.
    This could be someone who advises you on things like pensions or life assurance. We won’t share any personal information unless they have your consent to ask us for it.
  • Price comparison websites and similar companies.
  • Employers (for instance, to confirm your identity if we ask for a mortgage reference)
  • Companies you ask us to share your data with
    This is to do with something called Open Banking, which gives you more freedom and control to use your own banking data. It can make it easier for you or your business to shop around for products like credit cards, savings and current accounts.
  • Insurers

    We share personal information with insurance industry companies to process claims and help reduce fraud. We do that in these ways:

    • If you apply for insurance through us, we may pass your personal or business details to the insurer.
    • If you apply for insurance with us as the insurer, we may share your personal or business details with reinsurers.
    • If you make an insurance claim, information you give to us or the insurer may be put on a register of claims. This will be shared with other insurers, our agents, suppliers and sub-contractors. In some cases we may also share it with our business partners, if you also have a relationship with them.

    Other services and schemes

    These are organisations that we may need to share your personal information with, because of what you can do with the product or service you have with us.

    • 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).
      This is needed to keep your account balance and statements up to date, for example.
    • If you use direct debits, we will share your data with the Direct Debit scheme.
    • If you have a product which has a loyalty scheme like Avios or Everyday Offers, we will share your data with that scheme.
    • If you have a product with benefits such as travel insurance or discount offers, we will share your data with the benefit providers. We may also share it with other companies involved in how you use the service (such as a private car park operator).
    • 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 (For example, the other party in a shared ownership scheme).

    General business

    Outside companies we use to help grow and improve our business.

    • Companies we have a joint venture or agreement to co-operate with (such as a store or car dealership offering finance deals through us)
    • Organisations that introduce you to us
      This might be a store or car dealership that offers finance deals through us, or a price comparison website.
    • Market researchers.
      We send data which these firms combine with data from other sources to produce market trend reports and advice.
    • Advisers who help us to come up with new ways of doing business.
      This might be a legal firm, IT supplier or consultancy.

    Company mergers and takeovers

    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 try to bring other businesses into Lloyds Banking Group.
      This is sometimes called Mergers & Acquisitions or ‘company takeovers’.
    • During any such process, we may share your data with other parties involved. 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 work out what marketing you receive

    We use marketing to let you know about products, services and offers that you may want from us. This section tells you how we decide what marketing to show or send you. It also explains how we work out what you may be interested in.

    We may use your personal information to make decisions about what products, services and offers we think you may be interested in. This is what we mean when we talk about ‘marketing’.

    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 conflict unfairly with your own interests.

    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 outside organisations 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.

    This is called profiling for marketing purposes. You can contact us at any time on 0345 767 8910 and ask us to stop using your personal information this way.

    If you allow it, we may show or send you marketing material online (on our own and other websites including social media), in our app, or by email, mobile phone or post.

    What you get will depend on marketing choices that you set. You can change these at any time and tell us to stop sending you marketing.

    You can also tell us not to collect data while you are using our websites or mobile apps. If you do, you will still see some marketing but it will not be tailored to you. See our Cookies policy for details about how we use this data to improve our websites and mobile apps.

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

    We do not sell the information we have about you to outside organisations.

    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 contact us on 0345 767 8910 to update your choices at any time.

    How we use your information to make automated decisions

    Here we tell you how we use automated systems to make decisions about you and your money. We also explain the rights you have to challenge decisions made this way.

    We sometimes use systems to make automated decisions about you or your business. This helps us to make sure our decisions are quick, fair, efficient and correct, based on what we know. 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. They are based on personal information that we have or that we are allowed to collect from others.

    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. For instance, if you use our online mortgage calculator, it will use the personal financial details you put in to estimate the kind of mortgage we may offer you. If you apply for insurance, we will compare what you tell us with other records to work out how likely you are to make a claim. This will help us decide whether to offer you the product and what price to charge you.

    Tailoring products, services, offers and marketing

    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, services and offers for different customer segments, and to manage our relationships with them. It also helps us tailor the marketing that individuals receive or are shown on our own and other websites and mobile apps, including social media.

    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 meet 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)

    This section explains how we work with outside companies to decide whether to lend you money through products like credit cards or loans. It explains what we do and why we do it.

    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
    • Fraud prevention information
    • 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 your accounts with us
    • Trace and recover debts
    • 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 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. We will also tell the CRAs when you settle your accounts with us. The CRAs may give this information to other organisations that want to check your credit status.

    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:

    Callcredit
    Equifax
    Experian

    Fraud prevention agencies

    This section deals with information we share outside our group to help fight financial crime. This includes crimes such as fraud, money-laundering and terrorist financing.

    We may need to confirm your identity before we provide products or services to you or your business. This may include carrying out fraud checks at the point of sale.

    Once you have become a customer of ours, we will share your personal information as needed to help combat fraud and other financial crime. The organisations we share data with are:

    • Registered Fraud Prevention Agencies (FPAs)
    • Other agencies and bodies acting for the same purpose
    • Industry databases used for this purpose
    • Insurers

    Throughout our relationship with you, we and these organisations exchange data between us to help prevent, deter, detect and investigate fraud and money-laundering.

    None of us can use your personal information unless we have a proper reason to do so. It must be needed either for us to obey the law, or for a ‘legitimate interest’.

    When we have a business or commercial reason of our own to use your information, this is called a ‘legitimate interest’. We will tell you what that is, if we are going to rely on it as the reason for using your data. Even then, it must not unfairly go against your interests.

    We will use the information to:

    • Confirm identities
    • Help prevent fraud and / or 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 prevent, detect, investigate and prosecute crime.

      These other organisations can keep personal information for different lengths of time, up to six years.

      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
      • Whether you have been a victim of fraud
      • Data about insurance claims you have made
      • 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 other organisations acting to prevent fraud may process your personal information in systems that look for fraud by studying patterns in the data. We may find that an account or policy 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 risk that fraud or money-laundering may be carried out against a customer, the bank or the insurer.

      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 and cross-industry organisations may 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 and other organisations we share data with for these purposes 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

      This section tells you about the safeguards that keep your personal information safe and private, if it is sent outside 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 suppliers who help us to run your accounts and services.

      If we do transfer your personal information outside the EEA to our suppliers, we will make sure that it is protected to the same extent as 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 here on the European Commission Justice website.
      • 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.

      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.