End user licence agreement (Mobile App)

Last modified: July 2025

Introduction - terms of use

By downloading or using the Scottish Friendly mobile application (the “App”), you agree to these terms (“Terms”) under which Scottish Friendly Assurance Society Limited (“Scottish Friendly”, “we”, “us”, “our”) grants you the licence to use the App (including any updates or supplements to it) and the services provided via it (“Services”).

If you do not agree to these Terms, please uninstall the App immediately.

Updates & changes

From time to time, we may automatically update the App and change the Services to improve performance, enhance functionality, reflect changes to the operating system or address security issues. Alternatively, we may ask you to update the App for these reasons.

If you choose not to install such updates or if you opt out of automatic updates you may not be able to continue using the App and the Services.

We may also update these Terms due to legal changes or feature enhancements. We will notify you via email or App notification of the changes to these Terms. If you do not accept the notified changes, you should not continue to use the App and the Services.

Suitability & use

You are responsible for ensuring the App meets your needs - it was not tailored for you individually. The App uses your device’s data connection. Any network or data charges you incur are your responsibility under your mobile / data provider’s terms.

We recommend that you back up any content and data used in connection with the App, to protect yourself in case of problems with the App or the Service.

External links & security limits

The App may link to external websites not under our control. We do not endorse external sites or guarantee their content or data security.

Internet transmissions are never fully secure; therefore, the App does not guarantee confidentiality or integrity of data in transit - even if marked “encrypted”.

Acceptable use & licence grant

You are granted a personal, non‑exclusive, non‑transferable licence to download, install, and use the App strictly in accordance with these Terms.

Acceptable Use Rules include:

• You may not misuse the App by introducing malware, spreading viruses, or attempting unauthorised access (e.g., hacking or denial-of-service attacks);

• You must not use the App or any Service in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these terms, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, such as viruses, or harmful data, into the App, any Service or any operating system;

• You must not infringe our intellectual property rights or those of any third party in relation to your use of the App or any Services (to the extent that such use is not licensed by these terms);

• You must not transmit any material that is defamatory, offensive, or otherwise objectionable in relation to your use of the App or any Service;

• You must not use the App or any Service in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users;

• You must not collect or harvest any information or data from any Service or our systems or attempt to decipher any transmissions to or from the servers running any Service; and

• You must comply with applicable UK laws and regulations when using the App.

Intellectual property rights

All intellectual property rights related to the App and the Services belong to Scottish Friendly (or our licensors). These rights are protected by copyright and other laws.

Except as expressly permitted, you may not copy, modify, distribute, or create derivative works based on the App.

You have no intellectual property rights in, or to, the App or the Services other than the right to use them in accordance with these Terms.

Our responsibility & liability

We endeavour to keep the App functioning as intended but do not guarantee uninterrupted or error-free use.

To the maximum extent permitted by law:

• We exclude all implied warranties, representations, or conditions.

• We are not liable for loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time you accepted these terms, both we and you knew it might happen.

• We are not liable for any business losses (including any loss of profit, loss of business, business interruption, or loss of business opportunity).

Nothing in these Terms limits liability for:

• Death or personal injury due to our negligence.

• Fraudulent misrepresentation.

• Any other liability which cannot be legally excluded.

If defective digital content that we have supplied damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation.

If our provision of the Services or support for the App or the Services is delayed by an event outside our control then we will contact you as soon as possible to let you know and we will take steps to minimise the effect of the delay. Provided we do this we will not be liable for delays caused by the event.  If there is a risk of substantial delay you may contact us to end your contract with us and receive a refund for any Services you have paid for but not received.

Termination of licence

We may suspend or terminate your licence at any time, without notice, if you violate these Terms or applicable laws. If what you have done can be put right, we will give you a reasonable opportunity to do so.

Upon termination:

• You must stop using the App.

• You must delete all copies from your devices.

• You must, if requested by us, confirm to us that you have complied with the above.

General terms

• These Terms do not create a partnership, joint venture, agency, or employment between you and us.

• If any part of these Terms is found unenforceable, the rest remain in effect.

• A delay in enforcing any Term doesn't waive our right to enforce it later.

• These Terms does not give rise to any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of these Terms.

• You may only transfer your rights or your obligations under these Terms to another person if we agree in writing.

• Governing Law: these Terms are governed by Scots law, and you and we agree that the Scottish courts will have jurisdiction, except that if you live in another part of the UK, you may also bring proceedings there.