Scottish Friendly - website terms and conditions

We recommend you spend some time reading through our terms and conditions carefully.

We update them from time to time, so if you use our site regularly, it’s worth checking back occasionally to ensure you’re up to date.

Last modified: July 2025

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Website terms of use

These terms of use (alongside any documents referred to within them) explain the terms on which you may use our website at www.scottishfriendly.co.uk (“website”). Using our website includes accessing, browsing, or applying for our products or services.

Please read these terms of use carefully before using our website. We suggest printing or saving a copy for your records.

By using our website, you confirm your acceptance of these terms and that you agree to comply with them.

Other applicable terms

These terms of use incorporate the following additional terms:

  • Our Privacy Policy, which outlines how we process personal data you provide to us or we collect from you.

  • Our Cookie Policy, which explains how cookies are used on our website.

  • Our End User Licence Agreement, which applies when you use the Scottish Friendly mobile app.

If you purchase products or services from Scottish Friendly, those purchases will also be subject to the terms and conditions specific to that product or service. In the event of any conflict between these website terms and any product or service terms, the latter shall take precedence.

Information about us

This website is operated by Scottish Friendly Assurance Society Limited (“we”, “us”, or “our”). We are registered in Scotland under company number SP000007 and have our registered office at 16 Blythswood Square, Glasgow, G2 4HJ.

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 110002. You can check this on the Financial Services Register.

Changes to these terms

We may revise these terms at any time by updating this page. When we make changes, we will update the ‘last modified’ date. Please check this page periodically. If you do not accept the notified changes, you should not continue to use the App and the Services.

Changes to our website

We may update or modify the content of our website at any time. However, content may be out of date, and we are under no obligation to update it.

We do not guarantee our website, or its content will always be available or be free from errors or omissions.

Accessing our website

Our website is made available free of charge.

We do not guarantee uninterrupted or error-free access. We may suspend, withdraw, or change any part of our website without notice. We will not be liable if the website is unavailable at any time. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons.

You are responsible for ensuring access to our website and that anyone using it via your internet connection complies with these terms.

Use of our website

Our website is intended for residents of the United Kingdom. Use in other jurisdictions is not intended and may be restricted by law.

It is your responsibility to ensure that your access to and use of this website complies with applicable local laws and regulations in your jurisdiction. Accessing our website from outside the United Kingdom may not be appropriate or permitted by local law.

You agree to use the website lawfully and not to infringe the rights of others or impair their use of the site. You must not:

  • Remove or alter any copyright or branding notices.

  • Present our website in a way that implies endorsement without permission.

  • Use the website or its contents to disseminate unlawful, harmful, defamatory, or misleading material.

  • Use website content in connection with phishing, spoofing, or impersonation of Scottish Friendly.

  • Conduct, facilitate, authorise, or permit any text or data mining or web scraping in relation to our website or any services provided via, or in relation to, our site for any purpose, including the development, training, fine-tuning or validation of AI systems or models.

Website content must not be reproduced, modified, or used for commercial purposes without our written permission.

Your account and password

If you are provided with a user ID, password, or similar information, you must treat it as confidential and not share it.

We may disable your account details if we believe you have breached these terms. If you suspect your account has been compromised, contact us immediately.

You authorise us to act on instructions placed using your login credentials unless you’ve informed us of a security breach. All activity conducted through your login credentials will be assumed to have been carried out by you unless you have previously informed us of a security breach. For businesses only, you agree to indemnify us for any loss arising from unauthorised use unless caused by our own negligence.

Intellectual property rights

We or our licensors own all intellectual property rights on our website and its content. You may print or download extracts for personal use, but not for commercial exploitation.

You must not modify any copies, nor separate graphics from accompanying text. Our authorship and copyright must be acknowledged.

If you breach these terms, your right to use the site ends immediately and you must destroy or return any copies you’ve made.

We may use our or our licensors’ trademarks on our website. You are not permitted to use them without our approval.

No reliance on information

The content published on our website is for information purposes only and is not intended to constitute financial advice or an offer to subscribe to any products or services. You are solely responsible for determining whether any product or service is appropriate for your needs and circumstances, and we recommend seeking independent financial advice where necessary.

The website content is for general information only and is not financial or professional advice. You must obtain advice before taking or refraining from action based on our content.

We make reasonable efforts to update content but do not guarantee it is accurate, complete, or current.

Limitation of liability

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

We are not liable for viruses or other harmful material arising from use of our site or linked websites.

Different limitations may apply where products or services are supplied under their own terms.

If you are a business user:

We exclude all implied conditions, warranties, representations, or other terms that may apply to our site or any content on it.

We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use, our site; or

  • use of or reliance on any content displayed on our site.

  • In particular, we will not be liable for:

    • loss of profits, sales, business, or revenue;

    • business interruption;

    • loss of anticipated savings;

    • loss of business opportunity, goodwill, or reputation; or

    • any indirect or consequential loss or damage.


If you are a consumer user:

We only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

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.

Viruses and misuse

You must not introduce viruses or try to gain unauthorised access to the website. Doing so may be a criminal offence under the Computer Misuse Act 1990. We may report such breaches.

You are responsible for configuring your information technology, computer programs and platform to access our site. You should use your own virus protection software.

We are not liable for any loss caused by technologically harmful material from your use of our site or linked sites.

We reserve the right to monitor internet traffic to and from our domains for security, compliance, fraud detection and system integrity purposes.

Linking to our site

You may link to our homepage fairly and legally, without suggesting association or endorsement.

You must not frame our site or link to any page other than the homepage without our consent. We may withdraw linking permission without notice.

Third-party links

Links to third-party sites are for information only. We are not responsible for their content or any loss arising from your use of them.

General

Our failure to enforce any right does not constitute a waiver.

These terms do not create any partnership, joint venture, or employment relationship.

No third party may enforce any term of these terms.

If any part of these terms is invalid, the remainder shall continue in full force.

Applicable law

These terms are governed by Scots law.

If you are a business, we both agree to the exclusive jurisdiction of the courts of Scotland. If you are a consumer, 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.

Contact us

If you have any questions regarding these Terms, please contact us at:

Lines are open Monday to Friday from 8:30am to 5:30pm. Calls cost no more than calls to landline numbers starting with 01 or 02, and if you are calling from a mobile phone, calls will count towards any inclusive minutes you have rather than being charged separately. For your protection, calls may be monitored and recorded.