Pre-contractual information Trygghetsförsäkring with life protection

(here you will find the fact sheet for Trygghetsförsäkring with life protection. You can download a copy of this pre-contractual information here)

Taking out Zmarta Trygghetsförsäkring with life protection can create greater financial security as it can help you with your ongoing monthly expenses should you suffer from sick leave or involuntary unemployment. Zmarta Trygghetsförsäkring with life protection is a voluntary group insurance that can cover your insured monthly amount, up to SEK 10,000, in the event of sick leave (of at least 50%) due to an accident or illness for more than 30 days and in the event of involuntary unemployment. In the event of a diagnosis of serious illness, the insurance can reimburse you with a lump sum of SEK 25,000. In the event of death, a lump sum of SEK 100,000 is paid. Zmarta Trygghetsförsäkring with life protection is a supplement to any income protection you have through your employment or private group insurance.

Pre-contractual information is something that we must give you by law. You should print and save this information or save it on your computer. It is important to read this document. This is a brief overview of the policy and does not constitute complete policy terms. The complete insurance policy terms (in Swedish) can be downloaded here.

Zmarta Trygghetsförsäkring with life protection

Zmarta Trygghetsförsäkring with life protection is a voluntary group insurance that can cover your insured monthly amount if you were to suffer from sick leave or involuntary unemployment, but a maximum of SEK 10,000/month. A lump sum is also paid in the event of a diagnosis of serious illness or death. Limitations and exclusions to the insurance cover appear in the insurance policy, "Zmarta Trygghetsförsäkring with life protection".

Cost of insurance

The insurance premium is a fixed percentage of 6.95% of the total insured monthly amount and is paid monthly in advance via Autogiro (direct debit). The insurance comes into force when we have approved your application.

Insurance period

The insurance is valid for one month at a time and is automatically renewed every month unless canceled by you or the Insurer.

Who can sign up for the Trygghetsförsäkring with life protection?

You can sign up for the insurance if you:

• are a customer of Zmarta or the spouse or common-law partner of a customer of Zmarta.
• have turned 18 but not 67 years of age and are registered in Sweden.
• have one of the following forms of employment:
• have permanent employment of at least 17 hours per week and you have been employed for at least 6 months in a row with the same employer (employment other than permanent employment that changes to permanent employment with the same employer may be credited for the 6 months as long as you are permanently employed when you join the insurance)
• have employment of at least 17 hours per week
• are self-employed for at least 12 months, see the definition of Self-employed in the terms and conditions.

Please note that Zmarta and AXA have jointly made the following assumptions about the need for the insurance for the customers offered the product:

• are salaried or self-employed
• have ongoing fixed, direct and indirect costs. If the above assumptions are not met, it is possible that this insurance is not suitable for you.

This is how you sign up for the insurance

If you want to sign up for insurance, contact Zmarta on the website www.zmarta.se or telephone; 0431-47 47 90. Payment of your insurance is made via Autogiro. In connection with your application, you are therefore asked to provide your approval for payment via Autogiro and you must take note of the Autogiro terms and conditions before you sign up for the insurance. If you have any questions about the insurance, you are also welcome to contact the insurer AXA by phone; 08-502 520 85 or via e-mail to clp.se.kundservice@partners.axa .

Compensation

Compensation in case of sick leave or unemployment can be paid for up to 12 consecutive months (360 days) for each insurance case. The maximum amount the insurance can reimburse you with is SEK 10,000 per month. The total payment for several periods of sick leave and unemployment can be a maximum of 36 monthly payments. In the event of a diagnosis of serious illness, the insurance can reimburse you with a lump sum of SEK 25,000. In the event of death, a lump sum of SEK 100,000 is paid.

Reimbursement from the insurer is made to the bank account you specify.

What does Trygghetsförsäkring with life protection cover?

Complete information on limitations and exclusions etc. can be found in the insurance policy terms for Zmarta Trygghetsförsäkring with life protection, which you can find here.

In short, the following applies:

Sick leave

The insurance can provide compensation if during the insurance period you are on sick leave for at least 50% due to illness or accident and are prevented from performing your work as a permanent employee, fixed-term employee or self-employed. You must not have any other income-generating work and you must be checked regularly by a licensed doctor for the illness or injury. The employment you are on sick leave from must have a working time of at least 17 hours per week, or alternatively be on sick leave from your work as a self-employed person. After that, the insurance provides compensation retroactively for the first 30 days and from day 31 with a daily compensation which corresponds to one-thirtieth (1/30) per day of the insured monthly amount as long as you are on sick leave for at least 50%, but a maximum of SEK 10,000 per month.

Significant exclusions

The insurance does not cover sick leave that is less than 50% or occurs within 30 days from the start date of the insurance. Also, it does not cover illness, medical condition or injury that you knew about within twelve months immediately before you took out the insurance or for which you received or sought advice or treatment from the health and medical services within 12 months before you took out the insurance.

The insurance also excludes, among other things:

• sick leave due to alcohol and/or drug abuse or self-inflicted bodily harm,
• sick leave as a result of surgical interventions and medical treatments that are not medically necessary,
• for sick leave due to mental illness, psychological problems or stress-related illness, for example depression, stress or crisis reaction, you either need to submit a certificate proving that Försäkringskassan has approved your sick leave or a certificate issued by a specialist doctor in the field.

Involuntary unemployment

The insurance can provide compensation if during the insurance period you become involuntarily unemployed from your employer or due to bankruptcy or liquidation for self-employed persons in Sweden. In order for compensation to be provided, you must have been completely unemployed for 30 consecutive days. After that, the insurance provides compensation retroactively for the first 30 days and from day 31 with a daily compensation which corresponds to one-thirtieth (1/30) per day of the insured monthly amount as long as you are completely unemployed, but a maximum of SEK 10,000 per month.

Significant exclusions

The policy does not cover unemployment due to notice or termination that was known or should have been known to you when you applied for coverage or unemployment due to termination of which you have been notified within 120 days of the start date of the policy or unemployment that is voluntarily caused.

For self-employed persons, unemployment insurance does not apply if grounds for the company's bankruptcy or liquidation existed when the insurance was taken out or within the first 120 days from taking out the insurance.

The insurance also excludes, among other things:

• that the employment ends on grounds other than dismissal from the employer due to lack of work or because the company ceases to exist, e.g.
  • termination due to natural resignation or fixed-term employment ending at an agreed time,
  • that you have committed an illegal act.
  • unemployment for you as a fixed-term employee if you have worked for less than 24 months for the same employer

Serious illness

In the case of a diagnosis of serious illness, i.e. heart attack, cancer or stroke, the insurance provides compensation with a lump sum of SEK 25,000.

In order for compensation to be provided due to a Serious Illness, AXA must obtain a medical certificate showing that you have been diagnosed or treated for a Serious Illness. You must also provide AXA with other documents and information that AXA can reasonably request in order to make a decision on the right to compensation.

You may also be entitled to compensation for sick leave according to these insurance conditions in addition to compensation for Serious Illness.

See full terms and conditions for exclusions.

Death

In the event of death, the insurance pays a lump sum of SEK 100,000 to your estate.

See full terms and conditions for exclusions.

Your obligation to provide information

You are obliged to provide all information that may be of importance to the insurance. You are also obliged to provide correct and complete answers to the questions that are put to you when joining the insurance, when renewing and changing and when settling claims. You are obliged to fulfill what you certify when joining the insurance, when renewing and changing and when settling claims. If, during the insurance period, you find out something that could be of importance to the insurance, you must notify the insurer of this without delay. Failure to fulfill the obligation to provide information and to certify incorrect information may result in insurance compensation not being paid or being paid with a lower amount than what was agreed. Incorrect information can also lead to the insurer canceling your policy.

Termination and right of withdrawal

You can cancel the policy at any time with immediate effect or from the time you specify by contacting Zmarta. Termination may mean that unused premiums will be refunded to you. Termination is preferably done in writing to forsakring@zmarta.se or by regular mail to; Zmarta AB, Box 1068, 262 21 Ängelholm.

Insurance broker, name and address, etc

Zmarta AB, Org. no. 556647-0737, Box 1068 / Polisgatan 4, 262 21 Ängelholm. Telephone; 0771-47 47 00 Email; info@zmarta.se . Website; https://www.zmarta.se.

The broker of this insurance is Zmarta AB (Zmarta), whose main business is to mediate loans and other credits as well as supplementary insurance brokering to its borrowers and other customers. Zmarta is also the group representative for this group insurance. As a group representative, Zmarta is also classified as an insurance intermediary. As a group representative and insurance broker, Zmarta performs some tasks that are normally the responsibility of an insurer and Zmarta is entitled to compensation of 45% of the premiums paid from the insurers. It is received, among other things, to cover sales costs, customer service and various administration Zmarta has for the insurance. In addition, Zmarta may either pay to the insurers, or receive from the insurers, a certain percentage (loss/profit share), of the insurance's results over time depending on the income, the volume of claims and the costs of the insurance. The profit/loss share amounts to 60% of the result.

Zmarta is registered as an insurance intermediary with the Swedish Companies Registration Office . Registration can be checked at the Swedish Companies Registration Office, 851 81 Sundsvall, telephone; 060-18 40 00, www.bolagsverket.se or e-mail address; bolagsverket@bolagsverket.se

Insurer

Insurers according to these terms and conditions are in the case of sick leave, serious illness and death, AXA France Vie Sweden branch (516411-5080), and with regard to unemployment AXA France IARD Sweden branch (5164115072). The branches have been registered in the Swedish Companies Registration Office's register. The Swedish branches are under the supervision of the Financial Supervisory Authority, www.fi.se , and the Swedish Consumer Agency, www.konsumentverket.se , regarding marketing. The contact details for the Swedish branches are AXA, Box 7439, 103 91 Stockholm. Email clp.se.kundservice@partners.axa, Tel. 08-502 520 85.

Law and language

Swedish law is applied to the insurance and its terms and disputes must be settled in a Swedish forum. The insurance company is under the supervision of the Financial Supervisory Authority. All communication with customers takes place in Swedish. Terms and information about the insurance are provided in Swedish.

Insurance policy terms

Full terms and conditions for this insurance are available on our website.

Responsibility

According to the agreement and by law, Zmarta is responsible for pure financial loss that may occur to a customer, an insurer or someone who derives their right from the customer as a result of Zmarta intentionally or negligently disregarding its obligations according to ch. 4 § 1 of the law (2018:1219) on insurance distribution. Zmarta has mandatory liability insurance for insurance intermediaries with Europe SA Branch in Sweden ("AIG"). The insurance has number 000111A019. Claims for damages directed against Zmarta regarding the insurance brokerage can be reported directly to AIG, in the event that compensation has not been paid by Zmarta. Such a claim must be addressed to AIG within twelve months of the claim arising. A person who is not satisfied with the insurance company's decision on compensation loses its right if he does not bring an action against the company within six months from the time he became aware that the claim could be asserted and in any case within ten years from the earliest the claim could have been asserted. The maximum compensation that can be paid for an individual liability damage is 1,300,380 euros. The maximum compensation that can be paid for liability damages during an insurance year amounts to a maximum of 5,201,500 euros.

Contact details for AIG:

AIG Europe SA Branch in Sweden, Org. no; 516411-411 Box 3506 103 69 Stockholm Phone: 08-506 920 00 E-mail - claims: flclaimssweden@aig.com E-mail - other matters: info.sweden@aig.com Website: www.aig.se

Complaints and advice on insurance

If you are not satisfied with the handling of your insurance or claims case, you can turn to the AXA customer ombudsman, where you have the opportunity to request correction by explaining your case and asking for the customer ombudsman's opinion.

• Write a letter to: AXA, Customer Ombudsman, Box 7439, 103 91 Stockholm,
• Alternatively, email to: clp.se.kundomudsman@partners.axa and request a correction.

If you want to discuss the matter with an independent party, advice and information can be provided by Konsumenterna's guidance for banking and insurance: www.konsumenternas.se , which is an independent advisory agency that can provide information on insurance matters. However, the agency does not examine individual cases. You can also get guidance and advice from the municipal consumer guidance.

If you believe that a complaint does not result in a satisfactory correction from AXA, you can apply free of charge for a review at the Personal Insurance Board, which issues opinions in disputes within health, accident and life insurance, with contact details: www.forsakringsnamnder.se, tel : 0200-22 58 00, or contact the General Complaints Board: www.arn.se , phone: 08-508 860 00. You can also turn to the public court.

If Zmarta as intermediary of the insurance has not fulfilled its obligations, you can contact Zmarta with your complaints:

• Zmarta, Complaints Officer, Box 1068, 262 21 Ängelholm - or via e-mail klagomal@zmarta.se
• or tel. 0431-47 47 90.

You can also contact the Consumers' guidance for banking and insurance, your municipality's consumer guidance, the General Complaints Board (see contact details above) or the general court.

If the agreement has been concluded online/online, you can also turn to the European online platform for dispute resolution which can be found in the link www.ec.europa.eu/consumers/odr/ .

Personal data

AXA handles personal data in accordance with current personal data legislation and the Insurance Contracts Act. AXA's privacy policy and other information related to personal data can be obtained at https://se.clp.partners.axa/home-se/sekretesspolicy.

The insurance distribution

Information about the insurance distribution

Zmarta is part of Zmarta AB. Zmarta AB, hereinafter referred to as "Zmarta" or "we", has the Financial Supervisory Authority's permission to operate as an insurance intermediary and is also registered as an insurance intermediary with the Swedish Companies Registration Office.

According to our permit, we may broker insurance belonging to the following insurance classes: life insurance, long-term accident and health insurance and other property damage insurance, as well as insurance group: accident and health insurance. Although the insurance forms a supplement to the loans and credits that we mediate in our main business as an intermediary of consumer credit and other loans, the insurance applies even if you choose not to sign up for the loan that you have applied for in connection with the insurance being taken out.

If you already have life insurance or another insurance product that covers the same elements as the insurance brokered by us, compensation can also be paid from the other insurances.

Zmarta's Trygghetsförsäkring

Zmarta offers customers to apply for the Trygghetsförsäkring with life protection to be able to get help with costs for e.g. loans, credits, housing and other household expenses, in the event of involuntary unemployment, sick leave or death.

Regarding our group insurances, such as the Trygghetsförsäkring with life protection, we as group representatives have entered into an agreement with the insurance companies AXA France Vie Sweden branch (516411-5080) and AXA France IARD Sweden branch (516411-5072), which operate under the name AXA in Sweden.

Zmarta's group insurances are offered through our insurance distribution without any impartial analysis.

It is important that you read the product information, the regulations in the Autogiro terms and what applies according to the Distance Agreements Act before you sign up for the insurance.

Permits and supervision

The supervisory authority for Zmarta as an insurance intermediary is the Swedish Financial Supervisory Authority. The supervisory authorities for the respective insurers are the Autorité des Marchés Financiers in France and the Financial Supervisory Authority in Sweden.

If you want to check the permit and registration for Zmarta and its employed insurance brokers, this can be done at the Swedish Financial Supervisory Authority and the Swedish Companies Registration Office. View the registration. The authorities' contact details appear further down the page.

Zmarta is also under the supervision of the Swedish Consumer Agency regarding marketing.

Swedish law, the Swedish language and tax regulations

Swedish legislation is applied to the insurance contracts and disputes must be tried in Sweden. All communication regarding the insurance takes place in Swedish. Any insurance compensation based on the insurance is free of income tax.

Liability insurance

Zmarta has the mandatory liability insurance for insurance intermediaries with AIG Europe SA Branch in Sweden ("AIG"). The insurance has number 000111A019. Contact details for AIG can be found further down the page.

If we don't agree

Should you be dissatisfied with the handling of your case, please contact us. We think it is of the utmost importance to hear your opinion and to follow up on issues that you are dissatisfied with.

If you have a complaint about the mediation, you have the opportunity to have your case tried free of charge. Written complaints against the intermediary's way of performing its services are mailed to Zmarta, Complaints Officer, Box 1068, 262 21 Ängelholm, or alternatively emailed to klagomal@zmarta.se.

The person in charge of complaints must as soon as possible, but no later than within 14 days, notify in writing how Zmarta has assessed the matter. If the complaint cannot be accommodated, the decision must be justified.

If you cannot accept Zmarta's decision, you have the option of having the case tried externally as follows:

• The General Complaints Board (ARN) is a government authority that hears consumer disputes free of charge
• You can also get help from the Swedish Consumer Agency's independent guidance "Hello Consumer" or "Consumers' guidance on banking and insurance"
• Your municipality's consumer advisory service can also provide advice and information
• You also have the option of having the Swedish general court hear the dispute

Claims for damages directed against Zmarta regarding the insurance brokerage can be reported directly to AIG, in the event that compensation has not been paid by Zmarta.

Such a claim must be addressed to AIG within twelve months of the claim arising. The person who is not satisfied with the insurance company's decision on compensation loses its right if he does not bring an action against the company within six months from the time he became aware that the claim could be asserted and in any case within ten years from the earliest the claim could have been asserted.

The maximum compensation that can be paid for an individual liability damage is 1,300,380 euros. The maximum compensation that can be paid for liability damages during an insurance year amounts to a maximum of 5,201,500 euros.

Information on the processing of personal data

In order for you to be able to use our mediation service, we need to process your personal data. We process personal data in accordance with applicable personal and data protection legislation, i.e. the EU's data protection regulation (GDPR), as well as national laws, regulations and regulations.

For a complete description of how we process your personal data, please refer to our data protection policy.

Brokerage compensation

For its part in the insurance brokerage, Zmarta receives compensation from AXA. Of the expense protection's paid premiums, the compensation makes up 45%. In addition, depending on whether the insurance portfolio produces a profit or loss for the insurance companies over time, Zmarta may receive or pay 60% of the portfolio's surplus or deficit to the insurance companies.

The size of the compensation is shown in the documentation you receive in connection with taking out the insurance.

The insurance company has the right to get back the entire compensation if the customer uses its right of withdrawal.

Qualified ownership

Zmarta does not have a qualifying ownership interest in any insurance company. No insurance company or a parent company of an insurance company has a qualifying ownership interest in Zmarta either. There is thus no conflict of interest.

Information about Zmarta

Zmarta AB, Org. no; 556647-0737, Box 1068 / Polisgatan 4, 262 21 Ängelholm.
Telephone; 0771-47 47 00
Fax; 0431-47 47 49
Email; info@zmarta.se
Homepage; https://www.zmarta.se

Addresses and other contact details

AIG Europe SA Branch in Sweden, Org. no; 516411-411 Box 3506, 103 69 Stockholm.
Telephone; 08-506 920 00
Fax; 08-506 920 90
E-mail – damages; flclaimssweden@aig.com
Email - other matters; info.sweden@aig.com
Homepage; www.aig.se

General Complaints Board, Box 174, 101 23 Stockholm.
Telephone; 08-508 860 00
Email; arn@arn.se
Homepage; www.arn.se

Swedish Companies Registration Office, 851 81 Sundsvall.
Telephone; 060-184 000
Email; bolagsverket@bolagsverket.se
Homepage; www.bolagsverket.se

Financial Supervisory Authority, Box 7821, 103 97 Stockholm.
Telephone; 08-787 80 00
Email; finansinspektionen@fi.se
Homepage; www.fi.se

The Swedish Consumer Agency, Box 48, 651 02 Karlstad
Tel. 0771–42 33 00
Email; konsumentverket@konsumentverket.se
Homepage; www.konsumentverket.se

Consumers' guidance on banking and insurance, Box 24215, 104 51 Stockholm.
Telephone; 0200-22 58 00
Website; www.bankforsakring.konsumenternas.se

The Swedish Consumer Agency's information service - Hello Consumer.
Telephone; 0771-525 525
Website; www.hallakonsument.se

Zmarta's Data Protection Officer, Box 1068, 262 21 Ängelholm.
Telephone; 0733-24 79 18
Email; dpo@zmartagroup.com

Information in accordance with the Distance Contracts Act

Information is given here in accordance with the Distance Contracts and Contracts Off Business Premises Act (SFS 2005:59), called the Distance Contracts Act. The law means that when you buy financial services such as distance insurance, as a consumer, before you sign the insurance contract, you have the right to the information you receive here. Remote means that you bought your financial service, e.g. by telephone or via the internet without physically meeting the person selling the service/insurance.

• The broker of this insurance is Zmarta AB (Zmarta), whose main business is to mediate loans and other credits as well as supplementary insurance brokering to its borrowers and other customers. Contact details; Zmarta, Box 1068, 262 21 Ängelholm. Phone 0431-47 47 00, e-mail info@zmarta.se . For insurance matters, phone 0431-47 22 60 and e-mail forsakring@zmarta.se.
• Insurers for Zmarta's two different Trygghetsförsäkringar are AXA France IARD Sweden branch (org. no. 516411-5072) and AXA France Vie Sweden branch (org. no. 516411-5080). The branches are registered with the Swedish Companies Registration Office.
• The insurer conducts its business in Sweden under "AXA", a name that belongs to the insurer. Phone 08-502 520 85. Address Box 7439, 103 91 Stockholm. Email clp.se.kundservice@partners.axa .
• The supervisory authority for Zmarta as an insurance intermediary is the Swedish Financial Supervisory Authority.
• Swedish legislation is applied to the insurance contract and disputes must be settled in a Swedish forum.
• The main purpose of the insurance is to provide compensation in the event of sick leave to at least 50%, full unemployment, if the serious diseases heart attack, stroke and cancer occur and in the event of death - based on the insured monthly amount and what the condition prescribes.
• The price of the insurance (premium) is shown in the insurance confirmation and documentation as well as in the information you receive before entering into the insurance contract.
• The insurance is paid monthly in advance and comes into effect when your application reaches Zmarta. The insurance is valid for one month at a time and is automatically renewed every month.
• By law, you have the right to cancel. The right of withdrawal is 30 days from the day you received the insurance notice and conditions. If you regret your purchase, contact Zmarta on tel. 0431-47 22 60. In case of cancellation, you do not have to pay any premium and if the premium has been debited, it will be refunded to your account.
• The insurance can be canceled at any time after the right of withdrawal. Termination must be made in writing and is effective on the last day of the month in which it was received; scanned or photographed via email to; forsakring@zmarta.se alternatively by regular mail to; Zmarta, Box 1068, 262 21 Ängelholm.
• The insurer's liability during the insurance period ceases to apply fourteen days after the insurer has given you a notice reminding you of the due date of the premium and that non-payment means that the insurance is cancelled.
• The offer to enter into an insurance contract is valid until further notice.
• Swedish law regarding marketing has been applied to the sale of the insurance.
• The terms of the agreement are available in Swedish and all communication and claims settlement between the insurer and the policyholder takes place in Swedish.
• Questions are answered by Zmarta on tel. 0431-47 22 60 or by e-mail; forsakring@zmarta.se. Complaints are made in writing to; Zmarta, Complaints Officer, Box 1068, 262 21 Ängelholm or to; klagomal@zmarta.se .
• In case of product questions and reporting of damage, contact; AXA, Box 7439, 103 91 Stockholm. Telephone; 08-502 520 85 or by e-mail to; clp.se.kundservice@partners.axa.
• Anyone who is dissatisfied with a decision in matters relating to the insurance's claims settlement can turn to AXA's Customer Ombudsman and request a reconsideration by giving an account of your case in writing or by telephone and asking for the Customer Ombudsman's opinion to; Customer Ombudsman at AXA, Box 7439, 103 91 Stockholm or on tel.; 08-502 520 85 or by e-mail to; clp.se.kundombudsman@partners.axa .
• Regarding the brokerage and insurance, you can also contact the Consumers' Insurance Agency for advice and instructions on tel.; 0200-22 58 00 or via website; www.konsumenternas.se , the Swedish Consumer Agency's website www.hallakonsument.se or your municipality's consumer advisory service. In case of disputes, you can contact the Allmänna Reklamationsnämnden, tel.; 08-508 860 00 , website; www.arn.se or file a lawsuit at the Swedish General Court.

Autogiro terms

In connection with taking out Zmarta's group insurance Trygghetsförsäkring, you need to consent to these conditions for Autogiro (direct debit) so that the insurance premium can be paid. Payment is made to bank giro 5120-0210 and the recipient is the insurance company AXA France Vie Sweden branch (org. no. 516411-5080) with the name AXA. The question you will be asked about Autogiro consent, when you decide to sign up for the insurance, reads: "Do you accept the Autogiro terms and allow Autogiro withdrawal for your Trygghetsförsäkring?".

Generally

Autogiro is a payment service which means that payments are made from the payer's account at the initiative of the payee. In order for the payer to be able to pay via Autogiro, the payer must give its consent to the payee that it may initiate payments from the payer's account. In addition, the payer's payment service provider (e.g. bank or payment institution) must approve that the account can be used for Autogiro and the payee must approve the payer as a Autogiro user. The payer's payment service provider is not obliged to test the authorization of or notify the payer in advance of requested withdrawals.

Withdrawals are debited to the payer's account according to the rules applicable at the payer's payment service provider. The payer receives notification of withdrawals from their payment service provider. The consent can be transferred at the payer's request to another account with the payment service provider or to an account with another payment service provider.

Definition of bank day

Bank day means any day except Saturday, Sunday, Midsummer Eve, Christmas Eve or New Year's Eve or other public holiday.

Payment information

The payer will be notified by the payee of the amount, due date and method of payment no later than eight banking days before the due date. This can be announced before each individual due date or at one time regarding several future due dates.

If the notification refers to several future due dates, the notification must be submitted no later than eight banking days before the first due date. However, this does not apply to cases where the payer has approved the withdrawal in connection with the purchase or order of goods or services. In such a case, the payer receives notification from the payee about the amount, due date and method of payment in connection with the purchase and/or order. By this consent, the payer gives its consent to payments that are covered by the payee's notification according to this point being carried out.

Coverage must be available on the account

The payer must ensure that coverage is available on the account no later than 00:01 on the due date. If the payer does not have coverage on the account on the due date, this may mean that payments will not be made. If there is no coverage for payment on the due date, the payee may make additional withdrawal attempts during the coming banking days. If payment is not made, there is a risk that the insurance will be cancelled. The payer can, on request, receive information from the payee about the number of withdrawal attempts.

Stop payment (revocation of payment order)

The payer may stop a payment by contacting either the payee no later than two banking days before the due date or its payment service provider no later than the banking day before the due date at the time specified by the payment service provider.

If the payer stops a payment as described above, this means that the current payment is stopped on a single occasion. If the payer wants all future payments initiated by the payee to be stopped, the payer must revoke the consent.

Validity period of consent, revocation

The consent is valid until further notice. The payer has the right to withdraw consent at any time by contacting the payee or their payment service provider. In order to stop payments that have not yet been completed, the notice of revocation of consent must be received by the payee no later than five banking days before the due date, alternatively the payer's payment service provider must be received by the payer's payment service provider no later than the banking day before the due date at the time specified by the payment service provider.

The right of the payee and the payer's payment service provider to terminate the Autogiro connection

The payee has the right to terminate the payer's connection to Autogiro thirty days after the payee has notified the payer of this. However, the payee has the right to immediately terminate the payer's connection to Autogiro if the payer has repeatedly not had sufficient account balance on the due date or if the account to which the consent relates is closed or if the payee judges that the payer should not participate in Autogiro for another reason. The payer's payment service provider has the right to terminate the payer's Autogiro connection in accordance with the conditions that apply between the payer's payment service provider and the payer.