legal
Please read this section carefully
This site is designed for UK residents only. Be aware that it is your responsibility, before viewing the website, to ensure that you would not be breaking any laws and/or regulations of the country that you are in by doing so.
General
By accessing and using this website, you agree to the following terms of use and understanding of the legal information pertaining to all of the material contained herein. All references to Icesave refer to Landsbanki Islands hf.
The content and terms of use of this site will be governed by English law.
The Terms and Conditions of all Icesave products are governed by English law and we will only communicate with you in English.
Ownership of site and trademarks
Icesave owns and maintains this website. No act of downloading or otherwise copying from this website will transfer title to any software or material on this website to you. Anything that you transmit to this website becomes the property of Icesave, may be used by Icesave for any lawful purpose, and is further subject to disclosure as deemed appropriate by Icesave, including to any legal or regulatory authority to which Icesave is subject. Icesave reserves all rights with respect to copyright and trademark ownership of all material on this website, and will enforce such rights to the full extent of the law.
No Reliance
While Icesave uses reasonable efforts to update the information on this website, the statements made by Icesave are not intended to be legally binding and the accuracy or completeness of all information should be checked with Icesave before reliance is made. Any and all material on this website is subject to change without notice.
Material to be Reviewed in its Entirety
All materials on this website are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions or disclosures, and any copyright or proprietary notices. Any disclaimers, restrictions, disclosures or hedge clauses apply to any partial document or material in the same manner as they do the whole, and will be deemed incorporated in the portion of any material or document that you consult or download.
No Warranty
The materials on this website are provided "as is" without warranty of any kind, either express or implied, to the fullest extent permissible under applicable law. Icesave further assumes no responsibility for, and makes no warranties that, functions contained on this website will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available will be free of viruses or other harmful components. Icesave shall not be liable for any damages to, viruses that may infect, or services, repairs or corrections that must be performed on, your computer or other property on account of your accessing or use of this website. Please note that some jurisdictions do not allow the exclusion of implied warranties, so some or all of the above exclusions may not apply to you.
Complaints
As part of our ongoing commitment to quality and control, and to comply with our regulatory obligations, we have established procedures to ensure that any complaints received from former, potential or existing customers are dealt with in a timely and satisfactory manner.
As our customer, you have the right to complain to us if you believe that you have suffered financial loss, material distress or inconvenience as a result of actions taken by our employees during the course of their employment. Full details of our complaints procedure are available in the leaflet entitled Customer Information-complaints handling. If you are not satisfied with our Complaints handling process, you may be eligible to refer your complaint to the Financial Ombudsman Service. We will tell you if you are eligible. The Financial Ombudsman can be contacted at :
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
Or by telephoning 0845 080 1800.
http://www.financial-ombudsman.org
Disclaimer
Icesave does not accept any responsibility or liability for the contents of any websites that can be accessed via this site as Icesave has no control over their contents.
Data Protection
Please make sure you read our Data Protection statement.
Regulatory & Other Details
Icesave is a registered trading name of Landsbanki Islands hf, incorporate in Iceland (id no. 540291-2259), whose registered address is Austurstraeti 11, 155 Reykjavik, Iceland. Registered in the UK under Company Number FC26112 at Beaufort House, 15 St Botolph Street, London EC3A 7QR.
Landsbanki Islands hf is Authorised by the Fjármálaeftirlitið (FME) in Iceland and by the Financial Services Authority and is Regulated by the Financial Services Authority for the conduct of UK business. FRN: 207250.
Deposits made with Icesave are protected under the Icelandic Deposit Guarantees and Investor-Compensation Scheme (details of this scheme may be obtained from www.landsbanki.com/legislation). Payments under this scheme are limited to the first €20,887 (or the sterling equivalent) of your total deposits held with us. You have further protection from the UK Financial Services Compensation Scheme (www.fscs.org.uk). Payments under this scheme are limited to 100% of the first £35,000 of all your deposits with us, less any payments made under the Icelandic scheme. This means that the maximum claim amount as at October 2007 is £35,000. The total financial protection given to you under both schemes is no less than you would receive if your deposit was only protected by the UK scheme. Further details about both schemes can be obtained from our web site or by post, on request.
We subscribe to the Banking Code. We will send you a copy of the Banking Code leaflet when you open an account and will let you know if there are any changes. You can obtain a full copy of the Banking Code by clicking on the link or, if you ask us, we will be pleased to send you a copy.
Icesave Data Protection - Statement of Principles
We believe that the protection of your personal information is very important. We also recognise that the manner in which we collect, and share, information about you is equally important.
This Statement outlines:
- how we use and protect information about you; and
- states the principles reflecting our commitment to safeguarding that information.
Our principles are:
- To comply with our obligations under the Data Protection Act 1998 and any other relevant legislation;
- To ensure that any personal information we hold about you and your business with us is kept in strict confidence;
- To obtain personal information about you in a fair and lawful manner;
- To maintain appropriate procedures to ensure that personal information we hold about you is accurate and, where necessary, kept up to date;
- To maintain appropriate technical and organisational safeguards to protect personal information against loss, theft, unauthorised access, disclosure, copying, use or modification;
- If we choose to use third parties to process data, we do so in accordance with applicable law and take all reasonable precautions regarding the practices of the provider to protect personal information;
- Not to sell your personal information.
Use of Personal Information
Any information collected about you will be treated as confidential and will be used only as follows:
- For considering this and any subsequent applications you may make to us and for the administration of your account(s) opened as a result;
- For statistical analysis;
- For marketing purposes (see below);
- For fraud and money laundering prevention;
Marketing and market research
If you open an account with us, we may share your information with our associated companies or third parties with whom we have a business relationship. We or they may contact you by post, telephone, fax, e-mail or other means to tell you about services that may be of interest to you. You may indicate on our application forms that you do not wish to benefit from this service and we will respect your decision. Alternatively, you may write to us at any time and state that you do not wish to be contacted for this purpose and we will delete your name from our mailing lists. If you would like to be added to our mailing list please contact us.
Information provided by you through this website will only be used by Icesave for direct marketing purposes strictly in accordance with the requirements of the Telecommunications (Data Protection & Privacy) Regulations 1999 and the Privacy & Electronic Communications (EC Directive) Regulations 2003.
We will not send unsolicited e-mail advertisements to anyone who has previously visited our web site unless they have subsequently opened an account with us and have agreed that we may do so.
Disclosure of Information
We will treat your account details as private and confidential and will not disclose information about them to any third parties, unless:
- We have your consent to do so or you request that we do so;
- We are required by law;
- We have a public duty to disclose that information;
- Our interests require disclosure. We will not give your details out for marketing purposes, even to other companies in our Group, if you instruct us not to. Other than to those individuals and entities referred to, or in the circumstances described, in this statement information about you will not be revealed by us to any external body or person.
Your information may be disclosed to or as follows:
- Other applicants or guarantor(s) to this account.
- Other companies within our Group.
- Credit Reference Agencies.
- Where you borrow or may borrow from us, we may give details of your account and how you manage it to Credit Reference Agencies.
- If you borrow and do not repay in full and on time, we may tell Credit Reference Agencies who may record the outstanding debt.
- The financial intermediary introducing your account (except if you instruct us not to do so) or any business that provides insurance services relating to your Agreement, as may be necessary for the purposes of the administration of any policy or insurance relating to your Agreement and dealing with any claims arising under such policy. In dealing with insurance applications and claims, it may be necessary for us, or the insurance company providing the insurance, to obtain information about any criminal record you may have;
- Any agent acting on our behalf;
- Our regulators;
- Our lawyers, auditors and external advisors;
- Third party service providers;
- Anyone to whom we may transfer our rights and duties under your Agreement with us.
Your Rights
Your rights are subject to both the Data Protection Act of May 10, 2000 in Iceland, and subsequent amendments to it, and the Data Protection Act 1998 in the UK.
Under the Data Protection Act 1998 you have a legal right to:
- Access your personal records held by credit and fraud agencies. We will supply their names and addresses upon request.
- Receive a copy of the information we hold about you if you apply for this in writing. A fee will be payable for providing this information.
- Have rectified any information that is inaccurate.
Please note that for our mutual protection and to improve service standards we may monitor and/or record telephone calls.
Please be aware that internet communications are not secure unless the data being sent is encrypted. Therefore we can accept no responsibility for the unauthorised access by a third party and/or the corruption of any data being sent to us.
The images and content of this website are subject to copyright.
