BeeHive > BeeHiveDisclaimer > Legal Disclaimer
Scottish Life is a division of the Royal London Group which consists of The Royal London Mutual Insurance Society Limited and its subsidiaries.
The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions and is a member of the Association of British Insurers and the Association of Financial Mutuals. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.
Royal London Marketing Limited is authorised and regulated by the Financial Conduct Authority and introduces Royal Londonís customers to other insurance companies. The firm is on the Financial Services Register, registration number 302391. Registered in England and Wales number 4414137. Registered office: 55 Gracechurch Street, London, EC3V 0RL.
Royal London Corporate Pension Services Limited is authorised and regulated by the Financial Conduct Authority and provides pension services. The firm is on the Financial Services Register, registration number 460304. Registered in England and Wales number 5817049. Registered office: 55 Gracechurch Street, London, EC3V 0RL. The Royal London Group registered VAT number is 368 5244 27.
This page includes our:
What we will do with your information
We will obtain personal data from you when you contact us. Any personal details you provide will only be used for administration purposes, to respond to any enquiry, request for information or complaint, to provide any requested or relevant information and/or to contact you in connection with your request, query or complaint. We may disclose your personal data to our service providers and agents for these purposes and may transfer your data overseas. We will keep your data for a reasonable period, even if you do not proceed to take out a plan with us. By providing us with your personal details, you consent to the details being used for these purposes including any sensitive personal data such as health details that you provide.
We may collect information automatically about your visit to the Site. This information is used to monitor users' access and use of the Site, and allows us to gather broad demographic information, which will help us to regularly improve the Site. We may disclose aggregated information regarding demographics to third parties for reporting and analysis purposes. This information will be anonymous and will not contain information from which any individual can be identified.
We reserve the right to review the contents of any archives, data or code resident on our systems.
Information on third parties
Where you provide us with information about another person, you confirm that they have appointed you to act for them to consent to the processing of their personal data and that you have informed them of our identity and the purposes (as set out above) for which their personal data will be processed.
We collect information automatically about your visit to the site using cookies. We do not intend to analyse this information to identify your particular site visit details. Monitoring users' access and use of the site allows us to gather and analyse broad aggregate information on site performance for internal reporting purposes.
For more information on the cookies we use on this website, see the link at the foot of this page.
Links to other websites
Data Protection Act
You have the right to request a copy of the personal data we hold on you in return for the payment of a small fee and to require us to correct any inaccuracies in the personal data. If you have any questions on our use of the information we hold about you, please contact The Data Protection Officer at Scottish Life using the contact details on this site.
We, The Royal London Mutual Insurance Society will use the personal information, including any sensitive personal information, supplied on this form and information we obtain from other sources, such as your financial adviser, your doctor or an identity authentication agency for providing and developing our products and services, customer services, legal and regulatory reasons, marketing, research and analysis and verifying your identity and crime prevention.
We will retain your personal information which we will keep for a reasonable period after your plan has ended. In order for us to carry out business effectively information may also be passed to other companies in the Royal London Group, legal and regulatory bodies, auditors, legal and financial advisers, other financial institutions, professional advisers, identity authentication and fraud prevention agencies, underwriters, reinsurers and medical agencies, authorised agents and third party service providers.
Your personal data may be processed in countries outside the European Economic Area. This processing will be carried out by experienced and reputable organisations and only on terms which safeguard the security of your data and comply with the requirements of the Data Protection Act 1998.
We may carry out an identity authentication check to verify your identity. This involves checking the details you supply against those held on databases that may be accessed by the reputable third party company that carries out checks on our behalf. This includes information from the Electoral Register and fraud prevention agencies. We will use scoring methods to verify your identity. A record of this search will be kept and may be used to help other companies to verify your identity. We may also pass information to other organisations involved in the prevention of fraud and money laundering, to protect ourselves and our customers from fraud and theft. If you give us false or inaccurate information and we suspect fraud, we will record this and share this information with other organisations.
We may monitor and record phone calls and retain these for the purposes of training and quality assurance, and to ensure we have an accurate record of your instructions. Under the terms of the Data Protection Act 1998, you are entitled to ask for a copy of the information we hold on you, and to have any inaccuracies in your information corrected. We are allowed to charge a fee for this.
If you have any questions about how we will use your personal information please contact the Data Protection Officer, Royal London House, Alderley Road, Wilmslow, Cheshire, SK9 1PF.
General Terms and Conditions
The scottishlife.co.uk website ("Site") is made available by the Royal London Group, which includes Scottish Life. Your use of the Site is subject to the following terms and conditions ("the Terms"). You must read these Terms carefully before using the Site, as by using the Site you confirm that you have read and understood the Terms and that you agree to be bound by them.
References in these Terms to "we", "us" or "our" are references to The Royal London Mutual Insurance Society Limited. References to "you" or "your" are references to the user of the website.
We may amend the Terms from time to time. We will post any changes to the Terms here and you accept that your continued use of this Site after any change indicates your acceptance of that change.
About the Site
The Site contains general information only on the products and services of Scottish Life, unless otherwise stated. Nothing in these pages shall be deemed to constitute financial or other professional advice in any way. You should consult a financial adviser or other professional adviser if you require any financial or other professional advice.
Whilst we will try to keep the material on the Site up to date, we will not be liable to you or to any other party for the consequences of any delays, errors or omissions in doing so.
We reserve the right from time to time to alter any part of the Site including, without limitation, products offered or information made available on the Site. We do not guarantee that the Site or the information on the Site will be available continuously and without interruption or fault and we may suspend or withdraw the Site at any time and for any reason.
Use of the Site
You may download the Site to a local hard disk for your personal use only. You may not reproduce all or part of the content of the Site without our prior written consent unless it is for personal use. No part of the content of the Site may be incorporated into or stored in any other website, electronic retrieval system or other work in any form.
You may not publish, copy, distribute, modify, transmit, or reproduce in any form (whether in hard copy, electronic or other) or otherwise use the information and materials on the Site for any purposes other than those set out in the Terms.
You will not:
- use the Site for any illegal purpose or in any manner inconsistent with the Terms, or applicable law
- interfere with the proper operation of the Site or take any action which is likely to cause the service provided
- by the Site to be interrupted or degraded; or
- attempt to gain unauthorised access to our computer system or that of any other user.
All intellectual property rights in the materials in or on the Site including, without limitation, the Site layout, designs, text, images, graphics and any underlying databases remain the property of The Royal London Mutual Insurance Society Limited or its licensors, and no rights will pass to you. You agree not to alter or remove any copyright notice, trade mark or any other proprietary rights notice or mark from any of the material or information contained within the Site.
You will indemnify us and keep each member of the Royal London Group indemnified against any and all claims, damages, losses, liabilities and costs arising from and in connection with your use and/or abuse of the Site or your breach of these Terms.
Disclaimer / our liability
Whilst we will deliver our service with reasonable skill and care and the information contained within the Site has been compiled in good faith, all warranties, representations and undertakings, whether express or implied, statutory or otherwise, including but not limited to warranties of satisfactory quality, accuracy, fitness for a particular purpose and of non-infringement of the rights of a third party, are hereby excluded to the fullest extent permitted by law.
To the extent permitted by applicable law, we make no warranties, representations or undertakings that the Site or any material on the Site, will be free from viruses or other defects. We recommend that you take your own precautions to ensure that whatever you select for use from this Site is free from computer viruses or other defects.
We will not be liable or responsible to you for costs, losses, claims or damages of any kind, whether direct, indirect, consequential, special or otherwise, arising out of your access to, or use of, the Site nor your downloading and use of, or reliance upon, information provided on or through the Site.
Nothing in the Terms shall exclude, limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000 and any subsequent amending or replacement legislation which regulates the carrying out of investment or financial business in the United Kingdom, or any conduct of business rules which we are bound to comply with.
Nothing in the Terms shall attempt to exclude liability for fraudulent misrepresentation.
Links to other websites
We have no control over the third party internet sites that you can access by hypertext link through the Site. These sites are not covered by our Terms and we are not responsible for the content of such sites nor the way in which information about their users is treated. By providing a link, we are not endorsing or indicating our approval of the content of that website nor are we authorising you to access and use any information held on that website.
We make no warranties, representations or undertakings about and take no liability whatsoever (including, but not limited to, liability arising out of any allegation that the content of any other website is misleading, inaccurate, defamatory or otherwise infringes any law or the rights of any person or entity) for any other website referred to on, or accessed through, this Site.
Links to Scottish Life websites
Anyone linking to this or any other Scottish Life website must obtain written permission from Scottish Life before doing so.
Products and services provided by third party suppliers
From time to time we may offer you access to products and services provided by third party suppliers at special rates. Whilst every care is taken in selecting both the products and services and the suppliers, we make no warranties, representations or undertakings in respect of them, and we will not be liable or responsible to you for any costs, losses, claims or damages of any kind, whether direct, indirect, consequential, special or otherwise, arising from your taking advantage of any such product or service, and your sole remedy shall be against the third party supplier(s) in question.
The Terms are governed in accordance with English law and the English courts will have exclusive jurisdiction over any dispute arising out of these Terms or your use of the Site.
The services and products contained within the pages of the Site are issued and available in the United Kingdom, including the Channel Islands and the Isle of Man ("UK") only and are intended for the information and use of residents of the UK. Therefore, we do not make any warranties or representations, express or implied, that the Site or the information contained within the Site outside the UK is compliant with applicable local laws or regulations or that the information can be legitimately used outside the UK.
If any provision of these Terms shall be unlawful, void, or for any reason unenforceable, then that provision will be severed from these Terms and will not affect the validity and enforceability of any remaining provisions.
All rights not expressly granted in these Terms are reserved to us.
If you have any questions concerning these Terms and Conditions please contact us using the contact details on the site.
Copyright © The Royal London Mutual Insurance Society Limited, 2013.