General Terms for Use of Web Site

Terms and conditions

Read these terms carefully before you access the following web site (the "Site"). By accessing the Site you indicate that you agree with and are bound by the terms below. Individual documents and parts of the Site may include special terms to be applied in addition to these terms. The use of the Solo Service is governed by special service agreement terms.

The contents of this service and the Site are provided on an "as is", "as available" basis. The service provider does not make any warranties about the Site or its contents. The service provider reserves the right to update the Site and to discontinue access to the Site at any time. The service provider shall not be liable for any expenses, losses or damages arising out of the use of the Site even if the service provider or its representative had known about a defect in the service.


Service providers

The Site may include services provided by Nordea Bank AB (publ) (hereinafter Nordea) or other companies belonging to the Nordea Bank AB (publ) group. All companies belonging to the group may in this connection be called service providers. Information about the Nordea Bank AB (publ) group and the group companies is available under the menu-item 'About Nordea'.

Information on the primary service provider

heading heading heading
Name Nordea Bank AB (publ)
Domicile Stockholm, Sweden
Address Smålandsgatan 17
105 71, Stockholm
Corporate registration
number
516406-0120
VAT number SE663000019501
Telephone +46 8 614 78 00
Telefax +46 8 10 50 69
E-mail Click here

Other service providers

The website may also contain services provided by other companies within the Nordea Bank AB (publ) group, or by external companies. Similar information on other companies within the Nordea Bank AB (publ) group is available, e.g., behind the following links:

Information concerning other service providers can be found in the service agreements or other material published by the service providers.


Restrictions on the use of the Site and on making binding transactions

The information on the Site shall not under any circumstances be considered as an advice or a request to buy or sell or a recommendation by any of the service providers, unless Nordea expressly notifies to the contrary. This applies to all jurisdictions where the law does not allow the making of offers or recommendations or giving advice. The Site and the information contained therein are directed exclusively to Finland, Sweden, Norway, Denmark, Estonia, Latvia and Lithuania, unless otherwise expressly agreed or notified. The information on the Site shall not be considered as a binding offer made by the provider of such information, unless otherwise expressly specified in connection with such information. Information on the Site does not constitute an offer to sell or buy securities or other financial instruments nor an advice or recommendation to take such an action. Legally binding transactions with a company within the Nordea Bank AB (publ) group are always based on a separate service agreement.

Nordea may give advice concerning investments or taxation on the Site. Nordea shall not be liable for any loss or damage caused or action taken on ground of Nordea´s advice.

 

Treatment of personal data

Personal data which you provide when you fill in a form (eg a request for information or a subscription) on nordea.com, or which are otherwise registered in this connection are treated by the bank or by another company in the Nordea Group in connection with the preparation and administration of the relevant service.

Personal data can moreover form the basis of market and customer analysis, business follow-up, business and method development and risk management. Personal data are also used for marketing purposes unless you have declined receipt of direct marketing material. Personal data may also, within the framework of the current secrecy provisions, be accessed by another company in the Nordea Group or by another company with which the Group cooperates.

Nordea is the controller of the collected data and will not surrender the data to any third parties. Nordea may, however, use subcontractors in processing of the data. At the moment a US-based company, Webtrends, processes the collected data on behalf of Nordea. Webtrends is a global leader in web statistics collection and in order to secure privacy protection they comply with the European Commission’s Directive on Data Protection (October 1998) through the US-EU Safe Harbour programme.

Nordea may enlist the advice and services of other subcontractors which comply with the European Commission’s Directive on Data Protection (October 1998). Such agents may be used to assist Nordea with Customer service, marketing analysis or interaction with financial operators.

Nordea will not, in any way, allow such subcontractors to utilise the data for anything else than purposes defined by Nordea.

Information that Nordea’s customers submit by registering data in the private netbank can be used by Nordea for defined purposes eg analysis and marketing.


Cookies 

Nordea uses cookies. When you enter this website, you accept that we can place cookies on your computer or any other device that you use.

A cookie is a small text file which is stored on your hard disk by the website you visit. The text file contains information and is, among other things, used for supporting the visitor's use of the relevant website.

There are two types of cookies. The first type, which is called a persistent cookie, stores a file on your hard disk for a certain period of time. The other type, which is called a session cookie, is only stored temporarily during the time you visit a site.

At Nordea we use both types of cookies to help us make our visit statistics more reliable and to increase the functionality for our users.

A condition for being able to use Nordea's Internet services is that you have accepted the use of session cookies. These cookies enable you to carry out your banking transactions in a simple and smooth way and will disappear when you log off Nordea's services.

If you do not want to accept cookies, you can change the security settings of your browser (Internet Explorer, Firefox, Chrome etc). Please not that if you do not accept cookies, you cannot make your banking transactions via Nordea's Internet services.

» Read more about the use of cookies on nordea.com


Information provided by a third party

The links provided on the Site are meant for informative use only. The service provider is not liable for any material provided or published by a third party even if such material can be accessed through a link on the Site. Such third parties shall publish on their own sites the information on them required by legislation, and the service provider is not liable for any missing or inadequate information.


E-mail on the Internet

The users of the Site are reminded that the confidentiality of e-mail messages sent via public network cannot be guaranteed. The users shall avoid forwarding personal data or other confidential messages to Nordea via e-mail. Nordea or other service providers are not liable to carry out orders or instructions submitted via public e-mail. Nordea is entitled, if requested by the customer, to provide general information via e-mail to the e-mail address defined by the customer. Nordea shall not be liable for losses or damages occurred by any disappearance or transformation of such a message.


Copyright and trade marks

Companies belonging to Nordea Bank AB (publ) group or third parties, if expressly specified, retain the ownership, copyright (c) and all other immaterial rights of the Site. All rights are reserved in all countries. The publication, reproduction, transfer or storage of the contents of the Site in whole or in part is forbidden unless the holder of title, copyright, title or other immaterial right has granted permission for such an action. The prohibition does not apply to storage on a computer or printing for personal use only. The contents may be quoted according to the applicable copyright legislation. When the contents are quoted the source shall have to be indicated. The trade marks or logos included on the Site may, however, not be reproduced, published or distributed without Nordea's written permission.


Applicable law

Finnish, Swedish, Norwegian, Danish, Estonian, Latvian and Lithuanian law shall be applied to these terms and conditions, according to in which of the mentioned countries the customer enters the Site. Separate provisions on the applicable law are located on the sites of the companies belonging to the Nordea Bank AB (publ) group.


Important information for US Persons

The offering, sale and/or distribution of many of the products or services described on this website are not intended to any US Persons. If you intend to obtain any product or service from Nordea that is described on this web site, you must first inform Nordea whether you are a US Person.

This website and its respective contents do not constitute an offer or invitation to purchase or subscribe for any securities or a solicitation of any offer to sell any securities to US Persons. Any brokerage and investment advisory services described herein are not intended for US Persons. Furthermore, any solicitation on this web site of banking services (including accepting and/or soliciting deposits), insurance services, mortgage and/or consumer lending services or credit card services is not intended for US Persons, who are physically in the US.

“US Persons” are generally defined as a natural person, residing in the United States or any entity organized or incorporated under the laws of the United States. US Citizens living abroad may also be deemed “US Persons” under certain rules.

Nordea does not accept any liability whatsoever for any loss howsoever arising from any use of this website or its respective contents or otherwise arising in connection therewith. Nordea cannot be held responsible for any damages or losses that occur from transactions and/or services in violation of the relevant rules of the purchaser’s home jurisdiction.