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IMPORTANT NOTES

Data Protection Notice

Your information will be held by Scottish Widows which is part of the Lloyds Banking Group.

The Lloyds Banking Group includes Scottish Widows and a number of other companies using brands including Lloyds TSB, Halifax and Bank of Scotland, and their associated companies. More information on the Lloyds Banking Group can be found at www.lloydsbankinggroup.com.

We may ask you to provide physical forms of identity verification to set up and administer your investment or plan. We may also use it for market research, statistical purposes and the prevention and detection of fraud. In cases where it is considered necessary for the prevention and detection of fraud or other financial crime, your information may be shared with other organisations. If necessary a copy of the application form and any other supporting information may be given to a reassurance company who will share the risk with us. We will keep the information you have supplied confidential and will not share it with others without your agreement, except where the law permits, when it may be disclosed to law enforcement agencies, Ombudsman and Regulators and except in the circumstances that follow. The information you provide may be shared with financial advisers or people acting on your behalf. It may also be shared with our agents and others in connection with administering your investment or plan and services for you.

Your personal information will be shared within the Lloyds Banking Group so that we and any other companies in our Group can look after your relationship with us. By sharing this information it enables us to better understand your needs and provide products in the efficient way that you expect.

Under the Data Protection Act you have the right of access to your personal data. The Act allows us to charge a fee of £10 for this service. If anything is inaccurate or incorrect, please let us know and we will correct it.

Any information which you have provided relating to your health or lifestyle is required for underwriting purposes and is defined as ‘sensitive data’ by the Data Protection Act 1998. This information will be held securely with access limited to those who need to see it.

It is important that you understand how the personal information you give us will be used. Therefore, we strongly advise that you read our Privacy Statement, which you can find at www.scottishwidows.co.uk/legalprivacy or you can ask us for a copy. By signing this application/declaration you agree to your personal information being used in the ways we describe in our Privacy Statement. Please let us know if you have any questions about the use of your personal information.

We may administer the investment or policy and any existing investments or policies you may have with Scottish Widows, and provide other services, from centres in countries outside the European Economic Area (such as India and the USA) that do not always have the same standard of data protection laws as the UK. However, there will be a contract in place to ensure that your information is adequately protected, and we will remain bound by our obligations under the Data Protection Act even when your personal information is processed outside the European Economic Area.

We may record and monitor telephone calls with you in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

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