§ 1. DEFINITIONS
Whenever a certain concept is capitalised in the documentation, compilations and correspondence prepared on the basis of these Regulations, it should be assumed that it has the following meaning:
a) ILogic or Ilogic – Inventive Logic limited liability/limited partnership company with headquarters in (80–386) Gdansk, ul. Lęborska 3B, registered in the Register of Entrepreneurs of the National Court Register (KRS), kept by the District Court Gdansk–Polnoc in Gdansk, VII Commercial Department of the National Court Register, under KRS number 0000709320, NIP number: 957–09–36–720, which is a party within the Contract with the Customer;
b) Client – a natural person, a legal person or an organisational unit with legal capacity that makes use of the services provided by Ilogic.
c) Consumer – a Customer, i.e. a natural person using the Services via the Website for purposes not directly related to his business or professional activity.
d) Website – means the multinorfinans.no website with all its subpages, links and other functionalities, through which the Services are offered to Clients.
e) Form – a functionality available electronically on the Website, a social networking site or other pages, through which the Customer provides their personal data necessary or helpful in the process of using the Service and/or to transfer the data to the Partner;
f) Personal Data – all information enabling the identification of a Customer who is a natural person, including data on his family, financial or professional situation, property, etc.;
g) Service – a one-time benefit or subscription, within the scope indicated in the Appendix to the Regulations for a given type of benefit.
h) Partner Service – a Service provided directly by the Partner to the Customer under a contract concluded between them. ILogic is not a party to Client contracts with Partners, nor is it responsible for their services. ILogic's role is only to promote (via marketing) the Partners. Partner Services may include financial products, such as: consumer loan contracts, mortgage contracts, creditworthiness assessment, investment services as well as insurance services, currency exchange, translation services, tax services and social security. The Customer decides whether to use the Partner's service on their own, based on marketing (promotional) material presented by ILogic. Partner Services may be payable.
i) Partner – the service provider indicated in ILogic promotional materials, promoted by ILogic on the basis of a cooperation contract concluded with ILogic. The Partner is a professional entity operating according to the law applicable to the market in which it operates, which is independently responsible for the services provided to the Clients. The current list of Partners, broken down by types of Services provided, can be found on the Website at: www.multinorfinans.no/partners.
j) Contract – a contract for the provision of Services concluded between the Customer and ILogic, which has the nature of a service provided remotely, without the simultaneous presence of the parties, confirmed by electronic means in a message sent to the e–mail address provided by the Customer;
k) Regulations – these "Terms and Conditions of the Website".
§ 2. GENERAL TERMS AND CONDITIONS OF THE WEBSITE
1. The use of the Services via the Website is only possible once the Customer has read the Regulations, as well as Appendix No. 1 (Privacy Policy), accepted its provisions without reservation and undertaken to comply with them.
2. For some types of Services, Ilogic may require additional consents, depending on the manner in which the Service is provided. In particular, this applies to the act of promoting the Partner Services, which is related to the transfer of the Customer's personal data to the Partner in order to prepare the offer for the Customer. In such cases, these Regulations shall apply in conjunction with the relevant Appendix (No. 2, 3 or 4) detailing the scope of the Service.
3. The Website provides the Services consisting particularly of:
- promotion of the Partners and the Partner Services they provide,
- supporting the Customer, including direct contact, in establishing cooperation and using the Partner Services,
- continuous monitoring of the possibility of using other services offered by the Partners (Monitoring), and/or
- presenting credit information and offers of refinancing the Customer’s liabilities.
4. The subject of the Agreement may also mean the provision of the Services - consisting of:
- collecting the Customer's personal data (appropriate for the type of the Partner Service the Customer is interested in),
- transferring the Customer's personal data (appropriate for the type of the Partner Service the Customer is interested in) to the appropriate Partner.
5. The Customer is obliged to familiarise themselves with all the terms of cooperation with the Partner, e.g. regulations or tariffs of fees and commissions. Ilogic is not a plenipotentiary or an agent and is not authorised in any way to act on behalf or to the benefit of the Partner. With the support of ILogic, the Customer makes contact with a Partner (e.g. by redirecting to the website or providing contact details) and voluntarily establishes direct cooperation with them.
6. The Services are provided by Ilogic free of charge. The Partner Services may be payable on the basis of a separate contract concluded between the Customer and the Partner.
7. The information about Partner Services is for illustrative purposes only and does not constitute an offer within the meaning of civil law.
8. All Partner Services are provided by the Partner on the basis of a separate contract with the Customer. These regulations do not apply to the Client's cooperation with the Partner.
9. Partner Services are provided in accordance with the law applicable to the place of its provision.
10. The Partner is responsible for providing the service in accordance with applicable law.
11. The Customer acknowledges that all of the contracts concluded with the Partner are done so at their own will, voluntarily and at their own risk. Ilogic is not a party to these contracts, has no influence over them and is not responsible for their content or the manner of their implementation.
12. The Customer acknowledges that the Partner may refuse to provide the service to the Customer, provided that it remains in accordance with a given Partners' terms of provision of services or applicable local law.
§ 3. ACCESS TO THE WEBSITE. CONTACT WITH ILOGIC
1. Ilogic provides Services remotely – using the ICT system, i.e. via the Website, e–mail and other means of communication, in particular by phone, via SMS, VoIP or other instant messengers – in accordance with the will and preferences of the Customer. Part of the Website's functionality may only be available after using a link sent to the Customer by e–mail or after logging in.
2. Customer may completely resign from the Service or its part at any time.
3. Contact with Ilogic in the matter and in connection with the provision of Services may only occur in one of the following forms:
- by e–mail to the Ilogic’s address: finanse@multinorfinans.no or other direct e–mail address of an advisor dealing with the Client's case;
- using the contact form on the Website;
- by phone, from Monday to Friday from 8:00 to 16:00, to the following telephone numbers:
• Polish–speaking clients: +47 21 999 413, +48 58 731 96 59,
• Norwegian–speaking clients: +47 21 984 118,
• English–speaking clients: +47 21 984 119,
• Lithuanian–speaking clients: +47 21 999 417,
• Russian–speaking clients: +47 21 988 830;
4. In the case of a telephone contact from the Customer calling within the same area code, the connection fee is charged as per regular telephone connection, in accordance with the individual provider's tariff package; in the case of telephone contact from the area code other than the one from which the Customer is calling, the Customer may be charged with additional fees related to the telephone connection, in accordance with the individual provider's tariff;
5. The condition of using the Website is that Customer has access to a computer hardware or other electronic device with properly installed up–to–date software that allows browsing websites and access to the Internet, as well as a correctly configured e–mail account.
6. Ilogic makes sure to provide Clients with constant access to the Website. Ilogic does not, however, guarantee a continuous, uninterrupted and proper operation of all or some of the Website's functionalities without any errors. Ilogic is not responsible for any damages or lost profits incurred by Customers due to interruptions in access to the Website, especially if they are caused by factors beyond Ilogic's control, including in particular force majeure, Internet outages, as well as equipment defects or incompatible Client equipment or software.
7. Ilogic reserves the right to suspend or limit all or some of the Website's functionalities, as well as to add, change, supplement or delete data, content and information posted on the Website – at any time, without giving a reason or informing Customers about these changes.
8. It is forbidden for the Customer to provide illegal content, including content that violates the personal rights of third parties, inciting a criminal act, as well as statements that are vulgar or offensive to Ilogic or third parties.
9. The content of the Website and all data contained therein, as well as trade names, descriptions and trademarks published on the Website are subject to legal protection, and any use thereof may only take place with the prior written consent of Ilogic or other appropriate entity.
10. Ilogic reserves the right to refuse to provide Services to Customers who violate the provisions of the Regulations, or to withdraw from the Contract at any time, in particular in the following cases:
- in the event of becoming aware of a breach of the Regulations – including, in particular, a prohibition on providing unlawful content;
- if Ilogic has information or reasonable suspicion that the Customer has provided false data in the course of the Services provided;
- if the information provided by the Customer are incomplete and do not allow for the proper performance of the Service; or
- if the Customer, in contact with Ilogic, acts against the principles of social coexistence, in particular by requesting Ilogic to take actions or provide services that are outside the scope of the Contract or by inciting Ilogic to perform the Service in such a way that its result could be used unlawfully or constitute a misuse of the Service;
- if, according to a reasonable assessment of Ilogic, the facts presented by the Customer or determined by Ilogic indicate the intricate or particularly complex or non–standard nature of the case causing the need to incur disproportionate expenditure in order to provide the Service.
§ 4. PRINCIPLES OF SERVICE PROVISION
1. Submission of an explicit declaration of will to be bound by the Contract by accepting the Regulations and Privacy Policy or submission of an explicit declaration of will to be bound by the Contract during a phone conversation is tantamount to concluding a Contract with Ilogic.
2. Ilogic provides the Services solely based on the data, documents and information, as well as explanations provided by the Customer.
3. The Services are provided by Ilogic under the conditions set out in these Regulations as well as Appendices concerning particular types of the Services. The scope of the Services provided or the manner of their performance may change in accordance with the Regulations.
4. After accepting the Regulations, the Customer receives a confirmation of the conclusion of the Contract, sent by Ilogic to the e–mail address provided by the Customer in the Form, i.e. one or more e–mail messages containing in particular these Regulations together with a model declaration of withdrawal from the Contract.
5. The Customer may voluntarily indicate on the Website the Services they are interested in.
6. When registering on the Website, the Customer provides their name, telephone number and/or email address, and optionally the type of the Services they are interested in.
7. As a rule, Ilogic does not accept documents or document scans from Clients.
8. Ilogic also sends the Customer an e–mail, SMS or otherwise contained link to the website of the chosen Partner. The establishment of cooperation with a Partner takes place outside the Website.
9. As a rule, the Customer interested in cooperation with the Partner is to register independently on the Partner's web portal. In some cases, data may be transferred to the Partner in order to prepare an offer of the Partner Service (it concerns in particular the credit and insurance services).
10. Phone calls can also be recorded, which is the fact the Customer is informed about at the very beginning of such call. If the Customer does not agree to for the conversation to be recorded, they should terminate the connection and use the form available on the Website or contact Ilogic in another way. Ilogic may also arrange a conversation with the Customer using an instant messenger that allows sharing of Customer's computer screen – the data or recordings from such video calls will not be stored by Ilogic.
§ 5. RESPONSIBILITY
1. Ilogic undertakes to perform the Service by acting with due diligence required of a professional entity.
2. Ilogic declares that it is not responsible for any consequences of the Customer providing false, incomplete or fragmentary data in the course of using the Partner Services.
3. Ilogic does not guarantee that the data presented on the Website or the Offers prepared by an Institution are free of errors. The role of Ilogic is limited to providing space for publication thereof on the Website
4. Any claims arising from the defects in the Service performed are recognised in the complaint procedure in accordance with § 6 of these Regulations.
§ 6. COMPLAINTS
1. If the Customer finds defects in the Service performed or that Ilogic violates the Regulations, the Customer has the right to lodge a complaint with Ilogic.
2. The complaint should:
- be sent within the complaint form or a corresponding one available on the Website or by e–mail to the following address: finanse@multinorfinans.no or epost@multinorfinans.no – immediately after the occurrence of the circumstances justifying its submission, preferably not later than within 7 days from the Customer becoming aware of such circumstances,
- contain the reason for lodging the complaint and specify the scope of the Customer's request,
- contain current Customer data enabling a return contact from Ilogic,
- indicate other circumstances relevant to the case.
3. The deadline for receipt of a complaint is understood as the day it was introduced into the electronic means of communication in such a way that Ilogic could become familiar with its content. In each case, the Customer will receive a confirmation of the receipt of the complaint to Ilogic by e–mail or SMS.
4. Ilogic is obliged to consider the complaint within 30 days from the day of its receipt by Ilogic. The settlement of the complaint by Ilogic is final and may not be appealed against to Ilogic.
5. In the event of failure to respond to the complaint within the time limit referred to in the previous sentence, the complaint shall be deemed accepted.
§ 7. THE RIGHT OF WITHDRAWAL. TERMINATION OF THE CONTRACT. WITHDRAWAL OF CONSENT
1. The service may be one-time or subscription-based. In the case of subscription, the Service is continuous and is considered to be executed with the termination of the contract by the Customer or Ilogic.
2. Pursuant to the provisions of the Act of 30 May 2014 on consumer rights, the Customer, i.e. Consumer, has the right to withdraw from the Contract without giving a reason and with no costs incurred within 14 days of its conclusion. At the same time, in accordance with these Regulations, the Customer may resign from the Service at any time, without time limits. By accepting these Regulations, the Customer acknowledges that the statement of withdrawal from the Contract referred to in the preceding sentence may be submitted within the form, a template of which is attached as Appendix 2 to the Act of 30 May 2014 on consumer rights or via the form which template is delivered to the Customer on a durable medium – along with information sent after the conclusion of a Contract.
3. Bearing in mind that Ilogic is not a party to the contract regarding a Partner Service, the Customer may not submit a statement of withdrawal from the contract concluded with a Partner through Ilogic.
4. The Customer may terminate the Contract with Ilogic at any time by sending an e–mail to finanse@multinorfinans.no or by phone at +47 21 999 413.
5. Ilogic may terminate the Contract at any time in accordance with applicable regulations. In this case, the Customer will receive a statement of withdrawal from the contract from Ilogic to the e–mail address provided in the Form or in writing – by registered mail.
§ 8. FINAL PROVISIONS
1. These Regulations, in conjunction with Appendices, govern the manner in which Ilogic provides all Services through the Website in a full, comprehensive and exclusive manner, unless a duly authorised representative of Ilogic, authorised to make declarations of will on behalf of Ilogic, makes an expressive agreement with the Customer saying otherwise, which can be confirmed on a durable medium.
2. In matters not covered in the Regulations, the generally applicable provisions of the Polish law shall apply. This provision, however, does not affect other mandatory provisions of law, as well as the obligation to apply regulations, other than the Polish law, which may be applicable to the Customer, i.e. Consumer.
3. Disputes are resolved by a competent common court determined in accordance with the relevant, applicable regulations, and if the Customer is not a Consumer – the disputes will be resolved by the court of jurisdiction over Ilogic's office and only in accordance with Polish law.
4. The Customer has the right to use extrajudicial methods of dealing with complaints and claim assertions arising from Contracts concluded with Ilogic. The Customer, being also a consumer, may also have the right to refer the case for consideration by entities authorised to conduct proceedings on the out–of–court resolution of consumer disputes. Information on this subject can be found on the website (in Polish) http://www.polubowne.uokik.gov.pl/
5. These Regulations are made available free of charge on the Website and are also forwarded to the Customer on a durable medium (e–mail), together with the confirmation of order; they can also be made available at each Customer's request – in a form that enables its reproduction and recording by the ICT system used by the Customer.
6. Ilogic reserves the right to change the scope and manner of providing Services, as well as to carry out and cancel promotional campaigns.
7. Ilogic reserves the right to amend these Regulations. Any changes to the Regulations come into force within 14 days from the date of their announcement or transfer to the Customer and apply also to the further implementation of the Contracts concluded before that date, unless the Customer raises objections to the changes – in this case, the Contract shall be terminated upon the entry into force of the amended Regulations.
Appendix 1: Information about the processing of personal data (Privacy Policy).
Appendix 2: Mortgage and consumer loan services as well as creditworthiness assessment.
Appendix 3: Insurance services
Appendix 4: Access service to the general credit information system ‘Gjeldsregisteret’ and promotion of mortgage and consumer loans refinancing.
Appendix 2
TERMS AND CONDITIONS FOR MORTGAGE AND CONSUMER LOAN SERVICES AS WELL AS CREDITWORTHINESS ASSESSMENT
This Appendix applies to the customers making use of mortgage and consumer loan services as well as creditworthiness assessment services. To the extent not regulated by this Appendix, the general provisions of the Regulations shall apply. In the event of a conflict between the general provisions of the Regulations and the Appendix, the provisions of the Appendix shall prevail.
§ 1. DEFINITIONS
Whenever a certain concept is capitalised in the documentation, compilations and correspondence prepared on the basis of these Regulations, it should be assumed that it has the following meaning:
1) Service – a service consisting of presenting and promoting the third parties (Partners) and the services they provide (Partners Services). The Service includes presenting information about selected services offered by the Partners, assistance in concluding contracts with the Partner, as well as continuous monitoring of the possibility of using other services offered by the Partners (Monitoring). The service is carried out using means of remote communication, in particular via e–mail, telephone, SMS, VoIP or other instant messengers. The Service continues until the Customer expresses their will to withdraw from the Service.
2) Product – a financial service, in particular a consumer loan, a credit card or a cash advance, or any other service offered by an Institution on behalf of a Partner; Mortgage product – a loan granted by a banking institution secured by a mortgage on real estate.
3) Offer – a proposal, prepared by an Institution, concerning concluding a Product contract with the Customer, presented to the Customer via the Partner;
4) Partner – an entity cooperating with Ilogic, being a financial intermediary in Norway or Poland.
5) Institution – an entity performing financial activities in Norway, providing, in particular, loan and cash advance services, which present Offers to the Customer via the Partner and the Website;
§ 2. GENERAL TERMS AND CONDITIONS OF THE WEBSITE
1) The use of the Partner Services in the field of loan intermediation (Products excluding mortgage Products) is possible only if the Customer gives their voluntary consent to disclose personal data to entities assessing creditworthiness.
2) The product services provided via the Website, excluding mortgage Products, consist of:
a) presentation of preliminary information about the Products offered by the Institutions,
b) recommending a selected Partner, being a financial intermediary or an entity assessing creditworthiness, to the Client
c) supporting the Customer, including direct contact, in establishing cooperation and using the Partner services,
d) continuous monitoring of the possibility of obtaining further Services in Norway and Poland through the Partner and periodically presenting the Customer with opportunities in this respect (hereinafter: "Financial Monitoring").
3) In the scope of mortgage Products, the Service consists solely of marketing the Entities that are loan intermediaries in the field of mortgage loans. ILogic does not provide consulting services, does not support the Clients and does not accept documents related to applying for a mortgage loan. ILogic does not promote or advertise mortgage loans. A Customer interested in a mortgage product may freely decide to use the services of a loan intermediary (a Partner) promoted on the Website.
4) ILogic's activities in the field of mortgage loans consist of acting as a so–called associating entity. This term is understood as an entity that merely leads – directly or indirectly – to such association between the consumer and a lender or a loan intermediary. ILogic's activity does not go beyond the general presentation of the person or offer of a given lender or a mortgage broker and providing the consumer, the lender or the mortgage broker with data that enables to make further contact. ILogic can present comparison tables of loan offers.
5) The Customer is obliged to familiarise themselves with all the terms of cooperation with the Partner, e.g. regulations or tariffs of fees and commissions. Ilogic is not a plenipotentiary or an agent and is not authorised in any way to act on behalf or to the benefit of the Partner. After receiving a recommendation of cooperation with a given Partner from Ilogic, the Customer is redirected directly to the given Partner's website and voluntarily establishes direct cooperation with them.
6) The subject of the Contract can also mean the provision of Services related to Products excluding mortgage Products – consisting of:
a) providing an overview loan calculator and other similar functionalities on the Website,
b) collecting the Customer's personal data (name, surname, contact details provided by the Customer) and conducting a preliminary interview regarding the demand for the type of financial service in order to recommend the Partner and provide Financial Monitoring,
c) submitting recommendations regarding cooperation with the selected Partner (redirecting to a website),
d) assistance in establishing cooperation with the selected Partner – in the event of such need is reported by the Customer.
7) Services are provided by Ilogic to the Customer free of charge. Ilogic does not charge the Customer with any fees whatsoever for the provision of the Services.
8) Information on financial services in Norway and Poland (Products) presented by Ilogic is for illustrative purposes only and does not constitute an offer.
9) All financial intermediation services are provided by the Partner on the basis of a separate contract with the Customer. These regulations do not apply to the Client's cooperation with the Partner.
10) Ilogic does not provide any financial services. Financial services are provided by the Institutions on the basis of a separate contract with the Customer. These regulations do not apply to the Client's cooperation with the Institution.
11) The Customer acknowledges that all of the contracts concluded with the Partner or the Institution are done so at their own will, voluntarily and at their own risk. Ilogic is not a party to these contracts, has no influence over them and is not responsible for their content or the manner of their implementation.
12) The Customer acknowledges that the condition of establishing cooperation with a Partner or obtaining a financial service may be adequate knowledge of the Norwegian language at a communicative level.
§ 3. PRINCIPLES OF SERVICE PROVISION
1) The Customer may voluntarily indicate on the Website the Products they are interested in, except for mortgage Products, in order to obtain the Financial Monitoring Service adequate to their needs and interests.
2) Ilogic does not present Product Offers (financial services) except for simplified functionalities and simulations available on the Website.
3) When registering on the Website, the Customer provides their name, telephone number and/or email address.
4) Ilogic may accept document scans from Clients to be transferred the Partner (not applicable to mortgage Products).
5) Ilogic also sends the Customer an e–mail, SMS or otherwise contained link to the website of the chosen Partner. Establishing cooperation with a Partner may take place via the Website.
6) Ilogic provides the interested Client with a list of required documents and a questionnaire – according to the financial service the client is interested in.
7) The personal data of the Customer thus obtained is transferred by Ilogic to the Partner (not applicable to mortgage Products).
8) Ilogic may transfer Personal Data and information provided by the Customer – with their prior explicit consent – to a designated third party for the purpose of preliminary assessment of the Customer's credibility and creditworthiness.
9) The Customer acknowledges that multiple inquiries about the same person's creditworthiness may lower the loan score and, in the event of a negative verification of the Customer by the entities indicated in the consent or Institution's systems – do as much as temporarily block all Products Offers targeted at the Customer in question, for which Ilogic is not responsible.
10) The consultant contacts the client in a timely manner after recommending cooperation with the partner in order to confirm whether the client has successfully established such cooperation.
11) Ilogic may contact the Customer many times in order to provide the Monitoring Service, i.e. at any time during the performance of this Agreement, the consultant may make a phone or VoIP call to the Client and/or send email or SMS messages.
12) Should any problems arise, the consultant may, based on the terms set out in the Regulations, help the Customer conclude a contract with the Partner and, if it is both manageable and possible, explain the Partner's procedures and the meaning of specific activities (not applicable to mortgage Products).
§ 4. RESPONSIBILITY
1) Ilogic is not responsible for the topicality and accuracy of the data regarding financial products and Institution Offers available on the Website. The Customer acknowledges that this content is prepared by the Institutions only, and the role of Ilogic is limited to providing space for publication thereof on the Website.
2) The Customer acknowledges that Ilogic has no influence on the time and manner of operation of third parties – including Institutions – and that the decision in favour of the Customer's application for a Product Contract depends on the Institution's discretion.
3) Ilogic is not responsible for the possible failure to conclude a contract with an Institution or its non–performance, on the terms of the selected Offer presented on the Website, or for any consequences related thereto – including in particular, but not exclusively, for costs incurred by the Customer, including lost benefits and indirect damage.
§ 5. SPECIAL RULES FOR CONSUMER LOANS
1. The provisions of § 5 shall apply only if the Service applies to a product that is a consumer loan within the meaning of the Act of 12 May 2011 on consumer loan (Polish Journal of Laws from 2016, item 1528 as amended) and Directive 2008/48/EC of the European Parliament and Council of 23 April 2008 on consumer loan contracts and repealing Council Directive 87/102 / EEC (Journal of Laws EU L 133, 22/05/2008, p. 66).
2. All data and information about a consumer loan to which the provisions of legal acts referred to in paragraph 1. apply are prepared by the Partner only, and Ilogic is not responsible for them.
3. The advertisements and information on consumer loan presented on the Website, containing the data about the cost of a consumer loan, in particular the interest rate, are provided to the Consumer in an unambiguous, understandable and visible way.
4. Where applicable, the duration of the contract, the total amount to be paid by the Customer, i.e. Consumer, as well as the amount of instalments and other elements required by law can also be provided;
5. The information referred to in section 2 and 3 above are provided on the Website based on a representative example prepared by the indicated Partner.
6. The indicated Partner determines the actual annual percentage rate and the total amount to be paid by the Customer based on the information obtained from the Customer regarding the components of a Product selected by the Customer. If the Customer fails to provide such information, the Partner determines the actual annual percentage rate and the total amount to be paid by the Customer based on a representative example.
7. The Customer acknowledges that Ilogic is only authorised to provide the Services that are the subject of the Contract – as described in a clear, understandable and visible manner on the Website and within these Terms and Conditions, but it is not authorised to perform legal actions on behalf of a Partner
8. The Customer acknowledges that the Partner, i.e. a credit intermediary or a bank, may be required to assess the creditworthiness of the Customer, i.e. consumer. The assessment of creditworthiness is performed based on the following information – the Personal Data obtained from the Customer, or from the relevant databases or Institution's data sets (if applicable). The Customer may be required to provide the subjects with all documents and information necessary to assess creditworthiness.
9. Ilogic does not conduct any final, independent assessment of Customer creditworthiness and is not responsible for the result and reliability of any such research.
10. The Partner has the right refuse to submit an offer, grant a consumer loan or conclude a contract, for which Ilogic is not responsible.
11. The Partner, as obliged by the applicable law, shall provide the Customer with all the necessary explanations regarding the information provided before the conclusion of the consumer loan contract, as well as the content of a contract to be concluded – in a way that makes it possible for the Consumer to decide on the conclusion of a contract (i.e. benefit from an offer). Notwithstanding the above, the Customer should immediately report any doubts in this respect.
12. The Client receives a free draft consumer loan contract if, in the bank's opinion, they meet the conditions for a consumer loan. Ilogic does not perform any assessment of the fulfilment of the conditions for a consumer loan by the Customer and does not decide on whether to grant it.
13. Before concluding a contract based on the offer, the Customer may receive an information form containing detailed, specific information regarding the terms of such offer.
Gdansk, 06/07/2021
***
Appendix 3
TERMS AND CONDITIONS FOR INSURANCE SERVICES
This Appendix applies to the Customers using insurance services. To the extent not regulated by this Appendix, the general provisions of the Regulations shall apply. In the event of a conflict between the general provisions of the Regulations and the Appendix, the provisions of the Appendix shall prevail.
§ 1. DEFINITIONS
Whenever a certain concept is capitalised in the documentation, compilations and correspondence prepared on the basis of these Regulations, it should be assumed that it has the following meaning:
a) Service - a service consisting in collecting information from the Customers interested in the Offer and providing this information to the Insurance Partners, according to one of the variants indicated in § 2 point 3 of this Appendix. Based on the information provided by the Customers, the Insurance Partners present the Offers via the Website. Ilogic presents and promotes the Insurance Partners and the services they provide (Partner Services). The Service includes assistance in concluding contracts with the Partner, as well as continuous monitoring of the possibility of using other Services offered by the Insurance Partners (Monitoring). The service is carried out using means of remote communication, in particular via email, telephone, SMS, VoIP or other instant messengers. The Service continues until the Customer expresses their will to withdraw from the Service;
b) Offer - an invitation to conclude an insurance contract in the field of: motor insurance, property insurance or travel insurance.
c) Insurance Partner – Ilogic’s Partner who is an insurance intermediary. The current list of Insurance Partners is available on the Website at www.multinorfinans.no/partners.
§2 GENERAL TERMS AND CONDITIONS
1. Each interested Customer has the opportunity to view the Offers prepared by the Insurance Partners collected on the Website.
2. After the Customer's data is transferred to the Insurance Partner, the Customer has the ability to choose an Offer and conclude an insurance contract.
3. Regardless of the provision of the Service, the Website presents information content on the subject of insurance, the use of which is free, does not require registration or providing personal data.
4. The conclusion of the insurance contract takes place independently of Ilogic, through the Insurance Partner.
5. The provision of the Customer's data to the Insurance Partner requires the acceptance of the Regulations together with the Appendices and the consents indicated on the Website.
6. The Service Regulations are available on the www.multinorfinans.no website in a form that allows them to be saved, reproduced and read by the Customer at any time.
§3 SERVICES DESCRIPTION
1. The contract concluded between Ilogic and the Customer is concluded at the time the Regulations together with the Appendices are accepted and lasts for an indefinite period, until the Customer withdraws from the Contract or resigns from the Service.
2. After entering the Website, the Customer completes the Form available on the Website, providing information on the subject of insurance (e.g. regarding the vehicle in question) and the entity involved (e.g. vehicle owners and its main Customers), required by the Insurance Partners in order to present the Offers. Selected information from the Form can be used by the Insurance Partners to prepare insurance needs analysis.
3. The Customer selects the scope of the information provided to the Insurance Partners within the limits of the Service by completing the Form. The following scenarios are possible:
a) The Customer completes the set of information required by the Insurance Partners, including identification data (name, surname, personal identification number) and provides contact details (telephone, e–mail),
b) The Customer completes the information required by the Insurance Partners, but resigns from providing identification data (name, surname, personal identification number) and provides contact details (telephone, e–mail),
c) The Customer completes the set of information required by the Insurance Partners including identification data (name, surname, personal identification number) and does not provide contact details (telephone, e–mail),
d) The Customer completes the information required by the Insurance Partners, but resigns from providing identification data (name, surname, personal identification number) and does not provide contact details (telephone, e–mail),
e) The Customer completes a part of the information required by the Insurance Partners and provides contact details (phone, e–mail),
f) The Customer completes a part of the information required by the Insurance Partners and does not provide contact details (telephone, e–mail),
g) The Customer does not complete any information despite accepting the Regulations – this is tantamount to resignation from the Service.
4. Service description:
a) On the Website, the Customer enters information about the subject of insurance (e.g. regarding the vehicle in question) and entity involved (e.g. vehicle owners and its main Customers). The scope of information required depends on the type of insurance the Customer is interested in (e.g. motor, property or travel insurance). This information can be transferred to the Insurance Partners only after accepting the Regulations.
b) Filling out the Form is free of charge and is not synonymous with the conclusion of an insurance contract, and neither does it oblige the Customer to conclude such a contract.
c) The condition of using the Service is to tick the consent boxes, located under the Form, which is necessary to provide the Services. Selecting consent boxes is not mandatory, but it is necessary to provide the Services.
d) The Customer’s personal or contact details are transferred to the Insurance Partners. From the moment Customer’s data is made available to the Insurance Partners, these entities become an independent data controllers of such personal data. ILogic is not responsible for the processing of the transferred personal data, unless it is processed by ILogic itself and in such scope only.
5. ILogic does not conclude insurance contracts and does not act on behalf of insurance companies, nor, in any other way than described in this Appendix, does it participate in the conclusion of the contracts nor in the implementation thereof. ILogic does not take any additional steps to assist in concluding an insurance contract.
6. Sharing information about the Offers of the Insurance Partners by iLogic is not a financial or investment consulting activity.
7. The Website Services can be opted out of at any time. Services will be provided until ILogic is notified of resignation from the Services.
Gdansk, 06/07/2021
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Appendix 4:
TERMS AND CONDITIONS FOR ACCESS SERVICE TO THE GENERAL SYSTEM OF CREDIT INFORMATION ‘GJELDSREGISTERET’ AND PROMOTION OF MORTGAGE AND CONSUMER LOANS REFINANCING
This Appendix applies to the Customers using the access service to the general system of credit information ‘Gjeldsregisteret’ and promotion of mortgage and consumer loans refinancing. To the extent not regulated by this Appendix, the general provisions of the Regulations apply. In the event of a conflict between the general provisions of the Regulations and the Appendix, the provisions of the Appendix shall prevail.
§ 1. DEFINITIONS
Whenever a certain concept is capitalised in the documentation, compilations and correspondence prepared on the basis of these Regulations, it should be assumed that it has the following meaning:
1) Service - a free of charge service of access to the Gjeldsregisteret credit information system, consisting in obtaining by the Customer via the Website data on the total amount of liabilities and the sum of monthly installments the Customer is charged, to the extent and in the form in which they were disclosed in Gjeldsregisteret in accordance with applicable regulations.
2) Premium Service - a free of charge service (in exchange for granting marketing consents) of the credit information development obtained from Gjeldsregisteret and its presentation in a legible and visually attractive form along with the presentation of an introductory simulation of the liability refinancing (Report) and promotion of the Partner's services related to refinancing.
3) Partner - DigiFinans.no, Runeberginkatu 5B, 00100 Helsinki, Finland, organization number: FI27658056. This entity acts as a legal financial intermediary in Norway.
4) Gjeldsregisteret - an institution established in Norway on the basis of the Act ‘Information on debt in the assessment of private persons’ creditworthiness’ (Lov om gjeldsinformasjon ved kredittvurdering av privatpersoner), which collects, accepts and registers, as well as provides information on debt on the basis of the consent of the Ministry of Children and Families. The purpose of this institution is to facilitate the safe, structured and efficient registration and disclosure of information on debt in order to contribute to a better credit assessment and prevent debt problems among natural persons.
5) Product - a financial service, in particular a loan or a consolidation loan or other service offered by the Institution through the Partner; Mortgage product - a loan granted by a banking institution and secured by a mortgage on real estate.
6) Institution – an entity performing financial activities in Norway, providing, in particular, loan and credit services, which presents the Offer to the Customer via the Partner;
7) Offer – a proposal, prepared by the Institution, concerning conclusion of a contract for the Product with the Customer, presented to the Customer via the Partner;
§ 2. GENERAL RULES FOR USING THE SERVICE AND THE PREMIUM SERVICE
1) The use of the Service and the Premium Service is possible only on condition of accepting the Regulations together with the Privacy Policy.
2) The use of the Service and the Premium Service requires the Customer to log in to Gjeldsregisteret with the BankID authentication tool.
3) The use of the Service and the Premium Service requires consent so that Gjeldsregisteret can provide Ilogic with data on the Customer’s liabilities, to the extent the data is in possession, in accordance with applicable regulations.
4) Additionally, the use of the Premium Service requires:
- consent to the presentation of marketing materials by email, phone and/or communicator in order to promote the Partner's services related to the refinancing of the Customer’s liabilities;
- consent to Ilogic making the Report available to the Partner in order to prepare and present the Offers related to the refinancing of the Customer’s liabilities.
5) The Premium Service consists also in providing Customer support, including direct contact, in establishing cooperation and using the Partner's services, whereby:
- it is not related to financial consulting,
- it does not include accepting documents related to applying for a mortgage,
- it does not promote or advertise mortgage loans. A customer interested in a Mortgage Product may freely decide to use the services of the promoted Partner.
6) ILogic's activities in the field of mortgage loans consist of acting as a so–called associating entity. This term is understood as an entity that merely leads – directly or indirectly – to such association between the consumer and a lender or a loan intermediary. ILogic's activity does not go beyond the general presentation of the Partner and the Offer and providing with data that enables to make further contact.
7) The Customer is obliged to familiarise themselves with all the terms of cooperation with the Partner, e.g. regulations or tariffs of fees and commissions. Ilogic is not a plenipotentiary or an agent and is not authorised in any way to act on behalf or to the benefit of the Partner. After receiving a recommendation of cooperation with a given Partner from Ilogic, the Customer is redirected directly to the given Partner's website and voluntarily establishes direct cooperation with them.
8) The Service and the Premium Service are provided by Ilogic to the Customer free of charge.
9) Information on financial services in Norway (Products) presented by Ilogic is for illustrative purposes only and does not constitute an offer within the meaning of civil law.
10) All financial intermediation services are provided by the Partner on the basis of a separate contract with the Customer. These regulations do not apply to the Client's cooperation with the Partner.
11) Ilogic does not provide any financial services. Financial services are provided by the Institutions on the basis of a separate contract with the Customer. These regulations do not apply to the Client's cooperation with the Institution.
12) The Customer acknowledges that all of the contracts concluded with the Partner or the Institution are done so at their own will, voluntarily and at their own risk. Ilogic is not a party to these contracts, has no influence over them and is not responsible for their content or the manner of their implementation.
13) The Customer acknowledges that the condition of establishing cooperation with the Partner or obtaining a financial service may be adequate knowledge of the Norwegian language at a communicative level.
§ 3. PRINCIPLES OF SERVICE PROVISION
1) In order to use the Service, the Customer provides their name, phone number and/or email address.
2) The use of the Premium Service requires providing the name as well as phone number and email address. Maybe also other additional data (the property)?
3) If the Premium Service is used and the Customer establishes cooperation with the promoted Partner, any further Ilogic services are provided to the Customer on the terms set out in Appendix 2 to these Regulations.
4) When the Premium Service consists in promoting a product which is a consumer loan within the meaning of the Act of 12 May 2011 on consumer loan (Polish Journal of Laws from 2016, item 1528 as amended) and Directive 2008/48/EC of the European Parliament and Council of 23 April 2008 on consumer loan contracts and repealing Council Directive 87/102/EEC (Journal of Laws EU L 133, 22/05/2008, p. 66), the provisions of § 5 of Appendix No. 2 apply to these Regulations (‘Special rules for consumer loans’).
§ 4. RESPONSIBILITY
1) Ilogic is not responsible for the topicality and accuracy of the data obtained from Gjeldsregisteret. The Customer acknowledges that this content is prepared by Gjeldsregisteret only, and the role of Ilogic is limited to their presentation or their structural and graphic design.
2) The Customer acknowledges that ILogic has no influence on the time and manner of operation of third parties – including Gjeldsregisteret and the Partner.
3) ILogic is not responsible for the possible failure to conclude a contract with the Partner or the Institution or its non–performance.
Gdansk, 06/07/2021