Disclaimer

The information displayed on this website is based on sources which Landsbankinn hf. regards as dependable. Landsbankinn cannot, however, guarantee its accuracy in every respect. Furthermore, the information and views presented may change without notice.

Information published on Landsbankinn's website shall not be interpreted as advice to customers on the purchase or sale of specific financial instruments; website users shall themselves bear sole responsibility for any investment decisions taken on the basis of information published on the website. Landsbankinn may advise the Bank's customers on its website concerning purchase or sale of financial instruments and/or taxation matters; in such case, the fact that this is intended as advice will be clearly indicated. Information and advice provided by Landsbankinn on its website is not based on the specific investment objectives, financial situation or interests of certain customers, but is always of a general nature due to the fact that such a forum cannot take the specific situation of each individual into consideration. Therefore Landsbankinn bears no responsibility in any instance for loss which may result from the Bank's information or advice, nor for loss which may be traced directly or indirectly to use of the Bank's website. Furthermore, Landsbankinn bears no responsibility in any instance for loss which may be attributed to inaccessibility of the website for a shorter or longer period.

Landsbankinn holds copyright to all information presented on the Bank's website, unless expressly indicated otherwise or this is self-evident from its nature. Written permission from Landsbankinn is required to republish information on Landsbankinn's website or to distribute or copy such information. This shall apply regardless of the nature of the information or the purpose for which it is to be republished, copied or distributed. Landsbankinn's customers may, however, save such information for their private use.

Transactions with financial instruments by their very nature involve high risk. Historical price changes are not necessarily an indication of future price trends. Users of Landsbankinn's website are encouraged to acquire general information from Landsbankinn's advisors on the nature of securities trading, investment issues, taxation, etc. in connection with securities transactions.

The market value of financial instruments listed on customers' statements does not take into account fees or other costs which may be incurred when selling. On statements, the "market price" is the latest trading price and the "market value" of financial instruments is based on this price. On the statement of transactions, the "rate" is the trading price of the transactions and "price" is the value of the transaction based on it. The market price of financial instruments listed on the Iceland Stock Exchange Ltd. (ICEX) is generally their last trading price on the Exchange. If considerable time has passed since the last transaction, consideration is also had for the most favourable bid in assessing market value. Landsbankinn reserves the right to correct statements.

Landsbankinn is incorporated and regulated in Iceland and its business language is Icelandic. Any and all English language text provided on its website is based on or directly translated from the Icelandic unless otherwise noted. In the event of any discrepancies between the translation and the text in Icelandic, the original text shall take precedence.

Cookies

Cookies are small text files which your web browser obtains the first time you enter a website. Cookies store information that the website uses, among other things, to improve the user’s experience and to keep track of and analyse the use of the site.

Cookies usually contain the name of the domain from which the cookie originates, its lifespan and value. The lifespan of cookies varies; some, referred to as session cookies, are deleted as soon as the browser is closed while others have a longer lifespan and are called persistent cookies Landsbankinn uses both session and persistent cookies. The value of a cookie is generally a unique, randomly selected number.

Landsbankinn uses cookies to tailor its web to the needs of users, for example, to save user settings, to process statistical information, to analyse traffic on the website, for marketing purposes, and to enhance website functionality. Landsbankinn uses both first-party cookies and third-party cookies. First-party cookies send information only to Landsbankinn. Third-party cookies arise from services used by Landsbankinn and send information to other websites owned by third parties. The relevant parties may also link information obtained from the Bank's website with other information provided by users, or information which they have collected through the use of their services by users.

No consent is required for the use of necessary cookies, but consent is required for the use of other types of cookies. Users can control the use of cookies in their browser settings. Note, however, that if the use of necessary cookies is completely deactivated this can affect the functionality of the site.

Necessary cookies

Necessary cookies make use of website characteristics which are needed for the use for which they are intended. Necessary cookies are usually first-party session cookies that are used exclusively by Landsbankinn. These cookies facilitate switching between http and https protocols to ensure the security of data transmitted. These cookies are also used to save your decision on the use of cookies on Landsbankinn's web.

First-party cookies on Landsbankinn's website which require consent

These cookies are not a prerequisite for using Landsbanki's website. Nonetheless, they still play an important role in the use and functionality of the site. Cookies make it easier to use the website, e.g. by auto-filling forms, remembering language settings and assisting Landsbankinn in providing customers with product offers designed especially for them.

Use of third-party cookies on Landsbankinn's website which require consent

Landsbankinn uses cookies belonging to third parties (e.g. Google and Facebook) on the Bank's website. These third parties can place cookies in the browsers of website users and by so doing gather information on visits to the site. The cookies are not a prerequisite for the use of the website but do serve a purpose for the Bank. The Bank uses the services of these third parties in part to analyse use of the site, both with regard to the number of users and how users behave on the website, and also to create marketing materials and ads tailored to specific target groups. Website users can obtain information on how these companies use cookies on their web pages.

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