The terms of this User Terms (hereinafter referred to as "User Terms") apply to this web site (www.swedbank.com) of Swedbank AB, registered in the Swedish Companies Registration Office’s registry under number 502017-7753 (hereinafter “Swedbank”).
By accessing the Swedbank web site and or using the information and services provided on or via this web site you agree to be bound by this User Terms. In the event of any conflict between the terms and conditions of specific products and services and this User Terms, the conditions specific to such products and services shall prevail.
2. Restrictions on the use of the web site
The information contained within the Swedbank web site is brought from sources which Swedbank look upon as reliable. Swedbank or third parties makes no warranties or representatives, express or implied, as to whether information provided on or via this web site is accurate, complete or up-to-date. The information on the site may be changed or removed without notice. Swedbank does not represent or warrant that this web site and/or the Internet services provided via the web site functions without error or interruption.
The information on the web site shall not under any circumstances be considered as an advice or a request to buy or sell a product, service or financial instrument, or a recommendation by any of the service providers, unless the service provider expressly notifies to the contrary.
The Swedbank web site does not address to persons who are prohibited under the applicable laws or regulations of their citizenship, domicile or residence from having access to or use such web site. Persons who are prohibited from having access to the information on this web site or who are in doubt whether they are permitted to access or use the information or not, are kindly requested to leave the web site. This applies in particular to residents in Australia, Canada and Japan. Regarding U.S. and U.K. persons, see also Section 3 below.
Swedbank will not provide any such products or services to any person if in the view of the Bank (without the Bank having an obligation to verify this) the provision of such services could be in violation of law or regulation in such person's home country jurisdiction or any other related jurisdiction.
3. Important information for US and UK persons
The information on this web site is not directed at and is not intended for persons, whatever their citizenship, who currently are in the territory of the United States, nor is it intended for U.S. residents, partnerships or corporations organized or incorporated under U.S. law or other U.S. persons ( as defined in Regulation S under the U.S. Securities Act of 1933, as amended), and shall not be deemed an offer to provide or sell, or the solicitation of an offer to acquire or purchase products or services in the territory of the United States or to such persons, residents, partnerships or corporations. No such persons, residents, partnerships or corporations may acquire or purchase products or services by means of this web site, and no offers to acquire or purchase products or services made by such persons, residents, partnerships or corporations by means of this web site will be acknowledged or accepted.
Nothing on this web site shall be understood to constitute (a) an invitation or inducement to engage in investment activity (within the meaning of the U.K. Financial Services and Markets Act 2000 (the ‘FSMA’)) or (b) promotion of any collective investment scheme (within the meaning of the FSMA) to the general public in the United Kingdom.
4. Financial Instruments
Swedbank and its subsidiaries may from time to time have positions or holdings in securities or may be providing or seeking to provide corporate finance and debt capital markets services to such companies or issuers that are directly or indirectly referred to in research documents or recommendations accessible on or through this web site.
5. Limitation of liability
The contents of this site are provided on an "as is", "as available" basis. Swedbank or third parties does not make any warranties about the site or its contents. Swedbank shall not be liable for any expenses, losses or damages (direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including but not limited to financial losses and lost profits) arising in any way from the access to or use of the site even if Swedbank had known about a defect in the site or its contents.
6. Copyright and trade marks
Swedbank or third parties, if expressly specified, retain the ownership, copyright © 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 the previous written consent of the holder of the title.
Participants in discussion forums, chat rooms, debates and similar on the Swedbank web site must only submit materials to which they hold the copyright or materials where they have in some way obtained this right. A participant who submits materials is deemed, as and when the materials are submitted, to consent to Swedbank’s storing, disseminating and publishing the materials, electronically or otherwise.
Where Swedbank provides text links to third party web sites, such links are not an endorsement by Swedbank of any products or services provided on or via such web sites. The use of such links is entirely at your own risk and Swedbank accepts no responsibility or liability for the content, use or availability of such web sites. Swedbank has not verified the truth, accuracy, reasonability, reliability or completeness of any content of such web sites.
All links to the Swedbank web site shall be opened in a separate window. For further information on how to link to the Swedbank website, visit the Link to Swedbank web page.
All material linked from the Swedbank web site shall be opened in a separate window, and may not be presented in connection with the trademark or logotype of any other website if not otherwise agreed in writing with Swedbank.
8. Information in accordance with the Swedish Personal Data Act regarding processing of personal data
The Bank processes personal data received in connection with the use of the Bank’s website, the Bank’s apps or in connection with applications, notifications, when entering into contracts or otherwise in connection with preparation or administration of an assignment (such as credit reports or business assessments). Where banking matters are handled over phone, personal data is also processed through recording. For purposes of maintaining satisfactory customer and register management, the Bank may supplement the personal data with information from public and private registers, for instance by updating address information through the Swedish Population Address Register Board SPAR.
The Bank processes personal data for administration purposes, for fulfilling contracts and for actions that have been requested prior to and/or after conclusion of a contract. Personal data is also processed in order for the Bank to fulfill its legal obligations. Further, personal data may form the basis for financial advice, market analysis, customer analysis, statistics, business- and method development as well as for risk management in connection with risk calculations used by the Bank to fulfill capital adequacy rules and similar. The Bank may also, unless you have requested a block on direct advertising, use the information for marketing purposes, whereby customers may be contacted trough e-mail.
Personal data may, for these purposes, and considering banking secrecy provisions, be disclosed to and processed by companies within the Swedbank group and other companies cooperating with the Bank, such as credit bureaus and companies managing payment claims. The Bank may also be obligated to provide information to authorities, such as the Swedish Tax Agency and the Swedish Financial Supervisory Authority.
If you as a visitor or a customer wish information regarding the Bank’s processing of your personal data, please send a duly signed request to the address stated above. To the same address, you may request a block of direct advertising or request correction of incorrect or incomplete personal data.
The Swedbank web site contains cookies. A cookie is a small text file which is stored on your hard disk by the web site 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 persistent cookies, stores a file on your hard disk for a certain period of time. Swedbank uses persistent cookies in order to track the visitor’s navigation on the web site and to collect statistical data.
The other type of cookies, which is called session cookies, is only stored temporarily during the time you surf on a site. In order to use the Swedbank Internet service, you have to submit to the use of session cookies. Session cookies are used by Swedbank in order to enable you to carry out your banking transactions etc. and will disappear when you log off the Swedbank web site or close your browser.
If you will not accept cookies, you can change the security settings of your browser (Internet Explorer, Netscape etc). You can choose not to permit the use of persistent cookies without any impact on the functionality of the web site. Please note that if you do not accept session cookies, you cannot make your banking transactions etc. via Swedbank´s web site.
10. Applicable law and jurisdiction
This web site and its User Terms Notice shall be governed by and construed in accordance with the laws of Sweden. All disputes arising out of or in connection with these User Terms shall be submitted to the exclusive jurisdiction of the courts of Sweden.
© Swedbank AB. User Terms