Apple Watch terms and conditions

"Apple" means Apple Inc., the provider of Apple Watch.

"Lender" means etika Finance UK Ltd (trading under the name etika), registered in England and Wales (registered office: Suite 2.01, c/o Colony, One Silk St, Ancoats, Manchester, M4 6AG) under company no. 07440512 and authorised and regulated by the Financial Conduct Authority (firm reference no: 697658). The Lender is the exclusive lender for the Apple Watch consumer credit agreement.

"Vitality", "we" or "our" means Vitality Corporate Services Limited, registered in England and Wales (registered office: 3 More London Riverside, London, SE1 2AQ) under company no. 05933141 and authorised and regulated by the Financial Conduct Authority (firm reference no: 461107). VitalityHealth and VitalityLife are trading names of Vitality Corporate Services Limited. Vitality is the provider of the Active Reward benefit for Vitality members and for the purposes of this offer, Vitality is acting as credit broker only and not a lender.

We offer a choice of the following versions of Apple Watch Series 9 as an Active Reward. RRP from £399.

The following prices are for members who have never had Apple Watch from Vitality purchased on their plan by any member on their plan. 

41mm GPS with a £39 upfront payment

• Starlight Aluminium Case with Starlight Sport Band – S/M;
• Starlight Aluminium Case with Starlight Sport Band – M/L;
• Starlight Aluminium Case with Starlight Sport Loop;
• Midnight Aluminium Case with Midnight Sport Band – S/M;
• Midnight Aluminium Case with Midnight Sport Band - M/L;
• Midnight Aluminium Case with Midnight Sport Loop;
• Silver Aluminium Case with Storm Blue Sport Band – S/M;
• Silver Aluminium Case with Storm Blue Sport Band - M/L;
• Silver Aluminium Case with Winter Blue Sport Loop;
• Pink Aluminium Case with Light Pink Sport Band - S/M;
• Pink Aluminium Case with Light Pink Sport Band – M/L;
• Pink Aluminium Case with Light Pink Sport Loop;
• (PRODUCT)RED Aluminium Case with (PRODUCT)RED Sport Band - S/M;
• (PRODUCT)RED Aluminium Case with (PRODUCT)RED Sport Band – M/L. 

45mm GPS with a £69 upfront payment

• Starlight Aluminium Case with Starlight Sport Band – S/M;
• Starlight Aluminium Case with Starlight Sport Band – M/L;
• Starlight Aluminium Case with Starlight Sport Loop;
• Midnight Aluminium Case with Midnight Sport Band – S/M;
• Midnight Aluminium Case with Midnight Sport Band – M/L;
• Midnight Aluminium Case with Midnight Sport Loop;
• Silver Aluminium Case with Storm Blue Sport Band - S/M;
• Silver Aluminium Case with Storm Blue Sport Band - M/L;
• Silver Aluminium Case with Winter Blue Sport Loop;
• Pink Aluminium Case with Light Pink Sport Band - S/M;
• Pink Aluminium Case with Light Pink Sport Band - M/L;
• Pink Aluminium Case with Light Pink Sport Loop;
• (PRODUCT)RED Aluminium Case with (PRODUCT)RED Sport Band - S/M;
• (PRODUCT)RED Aluminium Case with (PRODUCT)RED Sport Band – M/L 

41mm GPS + Cellular with a £139 upfront payment

• Starlight Aluminium Case with Starlight Sport Band - S/M
• Starlight Aluminium Case with Starlight Sport Band - M/L
• Starlight Aluminium Case with Starlight Sport Loop
• Midnight Aluminium Case with Midnight Sport Band - S/M
• Midnight Aluminium Case with Midnight Sport Band - M/L
• Midnight Aluminium Case with Midnight Sport Loop
• Silver Aluminium Case with Storm Blue Sport Band - S/M
• Silver Aluminium Case with Storm Blue Sport Band - M/L
• Silver Aluminium Case with Winter Blue Sport Loop
• Pink Aluminium Case with Light Pink Sport Band - S/M
• Pink Aluminium Case with Light Pink Sport Band - M/L
• Pink Aluminium Case with Light Pink Sport Loop;.
• (PRODUCT)RED Aluminium Case with (PRODUCT)RED Sport Band - S/M
• (PRODUCT)RED Aluminium Case with (PRODUCT)RED Sport Band – M/L 

45mm GPS + Cellular with a £169 upfront payment

• Starlight Aluminium Case with Starlight Sport Band – S/M
• Starlight Aluminium Case with Starlight Sport Band - M/L
• Starlight Aluminium Case with Starlight Sport Loop
• Midnight Aluminium Case with Midnight Sport Band - S/M
• Midnight Aluminium Case with Midnight Sport Band - M/L
• Midnight Aluminium Case with Midnight Sport Loop
• Silver Aluminium Case with Storm Blue Sport Band - S/M
• Silver Aluminium Case with Storm Blue Sport Band – M/L
• Silver Aluminium Case with Winter Blue Sport Loop
• Pink Aluminium Case with Light Pink Sport Band - S/M
• Pink Aluminium Case with Light Pink Sport Band – M/L
• Pink Aluminium Case with Light Pink Sport Loop
• (PRODUCT)RED Aluminium Case with (PRODUCT)RED Sport Band - S/M
• (PRODUCT)RED Aluminium Case with (PRODUCT)RED Sport Band – M/L 

Prices and models are subject to change.

Wireless service plan required for cellular service. Contact your network service provider for more details. International roaming is not supported. Check Apple’s website for participating network providers and eligibility. See Apple support for additional setup instructions.

The following prices are for members who have never had Apple Watch from Vitality purchased on their plan by any member on their plan. RRP from £219. 

40mm GPS with a £1 upfront payment

• Starlight Aluminium Case with Starlight Sport Band - S/M; 
• Starlight Aluminium Case with Starlight Sport Band - M/L; 
• Starlight Aluminium Case with Starlight Sport Loop; 
• Midnight Aluminium Case with Midnight Sport Band - S/M; 
• Midnight Aluminium Case with Midnight Sport Band – M/L; 
• Midnight Aluminium Case with Midnight Sport Loop; 
• Silver Aluminium Case with Storm Blue Sport Band - S/M; 
• Silver Aluminium Case with Storm Blue Sport Band – M/L; 
• Silver Aluminium Case with Winter Blue Sport Loop  

44mm GPS with a £31 upfront payment

• Starlight Aluminium Case with Starlight Sport Band – S/M; 
• Starlight Aluminium Case with Starlight Sport Band – M /L; 
• Starlight Aluminium Case with Starlight Sport Loop
• Midnight Aluminium Case with Midnight Sport Band – S/M
• Midnight Aluminium Case with Midnight Sport Band – M/L
• Midnight Aluminium Case with Midnight Sport Loop
• Silver Aluminium Case with Storm Blue Sport Band – S/M
• Silver Aluminium Case with Storm Blue Sport Band – M/L 
• Silver Aluminium Case with Winter Blue Sport Loop  

40mm GPS + Cellular with a £61 upfront payment

• Starlight Aluminium Case with Starlight Sport Band – S/M
• Starlight Aluminium Case with Starlight Sport Band – M/L
• Starlight Aluminium Case with Starlight Sport Loop; 
• Midnight Aluminium Case with Midnight Sport Band – S/M
• Midnight Aluminium Case with Midnight Sport Band – M/L
• Midnight Aluminium Case with Midnight Sport Loop
• Silver Aluminium Case with Storm Blue Sport Band – S/M
• Silver Aluminium Case with Storm Blue Sport Band – M/L
• Silver Aluminium Case with Winter Blue Sport Loop 

44mm GPS + Cellular with a £101 upfront payment

• Starlight Aluminium Case with Starlight Sport Band - S/M
• Starlight Aluminium Case with Starlight Sport Band - M/L
• Starlight Aluminium Case with Starlight Sport Loop 
• Midnight Aluminium Case with Midnight Sport Band - S/M 
• Midnight Aluminium Case with Midnight Sport Band - M/L 
• Midnight Aluminium Case with Midnight Sport Loop 
• Silver Aluminium Case with Storm Blue Sport Band - S/M 
• Silver Aluminium Case with Storm Blue Sport Band - M/L 
• Silver Aluminium Case with Winter Blue Sport Loop  

Prices and models are subject to change.

Wireless service plan required for cellular service. Contact your network service provider for more details. International roaming is not supported. Check Apple’s website for participating network providers and eligibility. See Apple support for additional setup instructions.

For members who have previously had Apple Watch through the Active Reward from Vitality, higher upfront payments will apply. We offer a choice of the following versions of the Apple Watch Series 9 as an Active Reward. RRP from £399.

41mm GPS with a £180 upfront fee

• Starlight Aluminium Case with Starlight Sport Band – S/M
• Starlight Aluminium Case with Starlight Sport Band – M/L
• Starlight Aluminium Case with Starlight Sport Loop
• Midnight Aluminium Case with Midnight Sport Band – S/M
• Midnight Aluminium Case with Midnight Sport Band - M/L
• Midnight Aluminium Case with Midnight Sport Loop
• Silver Aluminium Case with Storm Blue Sport Band – S/M
• Silver Aluminium Case with Storm Blue Sport Band - M/L
• Silver Aluminium Case with Winter Blue Sport Loop
• Pink Aluminium Case with Light Pink Sport Band - S/M
• Pink Aluminium Case with Light Pink Sport Band – M/L
• Pink Aluminium Case with Light Pink Sport Loop
• (PRODUCT)RED Aluminium Case with (PRODUCT)RED Sport Band - S/M
• (PRODUCT)RED Aluminium Case with (PRODUCT)RED Sport Band – M/L
  
  

45mm GPS with a £210 upfront fee

• Starlight Aluminium Case with Starlight Sport Band – S/M
• Starlight Aluminium Case with Starlight Sport Band - M/L
• Starlight Aluminium Case with Starlight Sport Loop
• Midnight Aluminium Case with Midnight Sport Band - S/M
• Midnight Aluminium Case with Midnight Sport Band - M/L
• Midnight Aluminium Case with Midnight Sport Loop
• Silver Aluminium Case with Storm Blue Sport Band - S/M
• Silver Aluminium Case with Storm Blue Sport Band – M/L
• Silver Aluminium Case with Winter Blue Sport Loop
• Pink Aluminium Case with Light Pink Sport Band - S/M
• Pink Aluminium Case with Light Pink Sport Band – M/L
• Pink Aluminium Case with Light Pink Sport Loop
• (PRODUCT)RED Aluminium Case with (PRODUCT)RED Sport Band - S/M
• (PRODUCT)RED Aluminium Case with (PRODUCT)RED Sport Band – M/L 

41mm GPS + Cellular with a £280 upfront fee

• Starlight Aluminium Case with Starlight Sport Band - S/M  
• Starlight Aluminium Case with Starlight Sport Band - M/L 
• Starlight Aluminium Case with Starlight Sport Loop 
• Midnight Aluminium Case with Midnight Sport Band - S/M 
• Midnight Aluminium Case with Midnight Sport Band - M/L 
• Midnight Aluminium Case with Midnight Sport Loop 
• Silver Aluminium Case with Storm Blue Sport Band - S/M 
• Silver Aluminium Case with Storm Blue Sport Band - M/L 
• Silver Aluminium Case with Winter Blue Sport Loop 
• Pink Aluminium Case with Light Pink Sport Band - S/M 
• Pink Aluminium Case with Light Pink Sport Band - M/L 
• Pink Aluminium Case with Light Pink Sport Loop; 
• (PRODUCT)RED Aluminium Case with (PRODUCT)RED Sport Band - S/M 
• (PRODUCT)RED Aluminium Case with (PRODUCT)RED Sport Band – M/L 

45mm GPS + Cellular with a £310 upfront fee

• Starlight Aluminium Case with Starlight Sport Band – S/M; 
• Starlight Aluminium Case with Starlight Sport Band - M/L 
• Starlight Aluminium Case with Starlight Sport Loop 
• Midnight Aluminium Case with Midnight Sport Band - S/M 
• Midnight Aluminium Case with Midnight Sport Band - M/L 
• Midnight Aluminium Case with Midnight Sport Loop 
• Silver Aluminium Case with Storm Blue Sport Band - S/M 
• Silver Aluminium Case with Storm Blue Sport Band – M/L 
• Silver Aluminium Case with Winter Blue Sport Loop 
• Pink Aluminium Case with Light Pink Sport Band - S/M 
• Pink Aluminium Case with Light Pink Sport Band – M/L 
• Pink Aluminium Case with Light Pink Sport Loop  
• (PRODUCT)RED Aluminium Case with (PRODUCT)RED Sport Band - S/M 
• (PRODUCT)RED Aluminium Case with (PRODUCT)RED Sport Band – M/L 

Prices and models are subject to change.

Wireless service plan required for cellular service. Contact your network service provider for more details. International roaming is not supported. Check Apple’s website for participating network providers and eligibility. See Apple support for additional setup instructions.

You’ll qualify for the Apple Watch Offer if you have at least one of the following Vitality plans (each a "Plan"):

1. Health insurance - any private health insurance plan.
2. Business health insurance
          a. any small business health insurance plan.
          b. any corporate health insurance plan or trust scheme administered by Vitality, with Vitality Plus benefits
3. Life insurance - any life insurance plan with Vitality Plus benefits. In addition, a minimum monthly premium of at least £45 a month for an individual plan or £60 a month for a joint plan applies, plus £4.75 a month per adult to enjoy Vitality rewards.

You must be 18 years or over.

Eligibility for this offer is subject to financial circumstances and status.

You can only have one Apple Watch through Vitality at any one time. If you have paid off your etika credit agreement early, you will still not be able to apply for another Apple Watch with Vitality until the original end date of the credit agreement.

If you have a Personal Health Fund (PHF) in your Plan, you cannot use it to pay for the upfront payment or loan payments.

Apple Watch is for your own personal use and gifting or resale of the device is prohibited.

We reserve all rights if we suspect, or find, you to have resold or gifted your Apple Watch.

You are not permitted to transfer your Apple Watch benefit to another member on your Plan.

Additional qualifying criteria for joint or family Plans

If you have one or more joint health insurance or life insurance Plans, only one Apple Watch is available across all adults on the Plans. No other member named on the joint or family Plans can order Apple Watch during your loan period (even if the loan is paid off early). For more than one adult member of a joint Plan to be eligible for Apple Watch at the same time, each member must also hold separate eligible single plans in their own right.

If you have one or more joint or family Plans:

• only one adult member on one or more of the joint or family Plans can order Apple Watch for their own personal use
• the member who owns the Apple Watch must earn the activity points for the monthly payments.

Other general rules

We reserve the right to (i) refuse the provision of Apple Watch; (ii) request a return of your Apple Watch; (iii) request the Lender to cancel the Credit Agreement; (iv) deduct activity points; or (v) any other remedy, if: 

• someone else uses your Apple Watch so that you benefit; or
• you have provided false or misleading identity information to Apple.

To purchase an Apple Watch from Vitality, you will need to pass a credit check and make an upfront payment. This will vary depending on the model you choose.

In addition, you need to agree to a 36-month online consumer credit agreement of 0% APR with the Lender ("Credit Agreement").

You must complete and enter your details into the Credit Agreement for yourself, and strictly not on behalf of anybody else. You must use your own bank account details.

You will set up a variable Direct Debit for 36 months in case payments are due.

If you earn the required activity points, we will make payment contributions to your Apple Watch. All activity points earned from any Vitality linked device will count.

We will only provide Vitality contributions to your Apple Watch purchased through Vitality.

If no one on your Plan has had Apple Watch before, depending on your monthly activity levels, you will pay between £0 and £10.00 a month for Apple Watch Series 9; or between £0 and £6.00 a month for Apple Watch SE.

If this is the second or later Apple Watch purchased on your Plan through Vitality, depending on your monthly activity levels, you will pay between £0 and £6.00 a month for Apple Watch Series 9.

We will calculate your monthly payment contribution from your previous month's activity points. This will affect your variable Direct Debit payment in the following month.

If you are unable to make your payments, the Lender reserves the right to cancel your Credit Agreement.

If you cancel, lapse, switch your Plan to a non-eligible plan or switch your Plan to another insurer before your final payment:

• we will no longer make any contributions to the Lender on your behalf;
• we will not reinstate our payment contributions, even if you are eligible again at a later date;
• your Credit Agreement with the Lender will continue under the terms of that agreement.

Your Credit Agreement with the Lender lasts until your final payment date, even if you pay off your loan early.

If you change your mind, you can cancel up to 14 days after the day of delivery (the “cooling off period”).

You need to let us know that you have decided to cancel.

If you cancel within the cooling off period, we will refund you your initial upfront payment.

We reserve the right to reduce your refund, if you have mishandled your Apple Watch and it has reduced its value.

Apple Watch Series 9 and Apple Watch SE requires an iPhone Xs or later with iOS17 or later.

You’ll need to complete the following steps before ordering Apple Watch:

• register for Member Zone; and
• complete your Health Review in Member Zone.

Then, when you receive your Apple Watch, you’ll need to:

• download the Vitality Member app onto your iPhone; and
• link the Apple Health app to the Vitality Member app, so we can track your activity from your Apple Watch.
  

By purchasing Apple Watch, you agree to the use of Apple’s chosen courier and their corresponding terms and conditions. 

Apple is not a participant or sponsor of Vitality Active Rewards.

To award your Vitality activity points, we will exchange information with Apple. You can view our Privacy Notice here.

If there is a delay in awarding your Vitality activity points, we will rectify any payments. We will run a regular cashback process.

We will pay your cashback into your nominated bank account. You can view and update your bank details in the 'Update My Details' section of the Member Zone.

We will only count Vitality activity points earned by the member who took out the benefit.

You may disconnect Apple Watch from Vitality at any time via the Vitality Member app.

1. Apple Watch Series 9  and Apple Watch SE requires an iPhone Xs or later with iOS17 or later.
2. Apple Watch Series 9 is rated IP6X dust resistant.
3. Blood Oxygen app measurements are not intended for medical use, including self-diagnosis or consultation with a doctor, and are only designed for general fitness and wellness purposes.
4. The temperature sensing feature is not a medical device and is not intended for use in medical diagnosis, treatment, or for any other medical purpose.
5. The Cycle Tracking app should not be used as a form of birth control. Data from the Cycle Tracking app should not be used to diagnose a health condition.
6. The ECG app is available on Apple Watch Series 4 and later (not including Apple Watch SE) with the latest versions of iOS and watchOS. See apple.com/uk/watch for compatibility details. ECG is not intended for use by people under 22 years old. With the ECG app, Apple Watch is capable of generating an ECG similar to a single-lead electrocardiogram.
7. Apple Watch Series 9 (GPS + Cellular) and Apple Watch SE (GPS + Cellular) can use a cellular connection for Emergency SOS. To use Emergency SOS on an Apple Watch without cellular connectivity, your iPhone needs to be nearby. If your iPhone isn’t nearby, your Apple Watch needs to be connected to a known Wi-Fi network and you must set up Wi-Fi Calling.
8. The Medications feature should not be used as a substitute for professional medical judgement. Additional information is available on the labels of your medications, but please consult your healthcare provider prior to making any decisions related to your health.
9. Apple Watch Series 9 has a water resistance rating of 50 meters under ISO standard 22810:2010. This means that it may be used for shallow-water activities like swimming in a pool or ocean. However, Apple Watch Series 9 should not be used for scuba diving, waterskiing, or other activities involving high-velocity water or submersion below shallow depth. Water resistance is not a permanent condition and can diminish over time. For additional information, see support.apple.com/en-us/HT205000.
10. Battery life varies by use and configuration. See apple.com/batteries for more information.
11. The irregular rhythm notification require the latest versions of watchOS and iOS and are not intended for use by people under 22 years old. The irregular rhythm notification is not designed for people who have been previously diagnosed with Afib.
12. Wireless service plan required for cellular service. Contact your service provider for more details. Connection may vary based on network availability. Check apple.com/watch/cellular for participating wireless carriers and eligibility. See support.apple.com/en-us/HT207578 for additional setup instructions.
13. Features are subject to change. Some features, applications and services may not be available in all regions or all languages. Check Apple’s website for the complete list.