Legal notices

Audience

Northern Rock Bank Danmark filial af Northern Rock plc (‘Northern Rock’) is a bank registered in Denmark and the products on this site are only available in Denmark.

Although accessible by others, the information appearing on the pages of this site is solely intended for use by individuals resident in Denmark.  Northern Rock makes no representations that information on this site is appropriate or available for use in other locations.  Users who access this site from other locations do so on their own initiative and risk.

No information on this site should be construed as a promotion or solicitation for any services, which is not authorised by the laws and regulations of your place of residence or domicile.

This site contains links to other Northern Rock sites that accept applications by persons other than Danish residents. By accessing this website, you accept and are bound by the terms and conditions below, so please read these carefully.

The bank does not accept deposits from anyone other than persons who are permanent residents in Denmark for tax purposes.

Contents

The content of this site is provided for general information purposes only and does not constitute financial or other advice.  Neither the information nor opinions expressed in this site constitutes an offer to provide any product or service.  These terms and conditions are subject to change and update by Northern Rock from time to time without notification save those areas where we are required to provide notification.  You should periodically revisit this page and the relevant pages on this site to review the current position.

Confidentiality

In accessing this site the user accepts that electronic mail passing over the internet may not be free from interference by third parties.  Although steps have been taken in relation to Northern Rock’s systems (see Security below) Northern Rock cannot guarantee the privacy or confidentiality of any information relating to the user as it passes over the internet.  You are responsible for the content and information contained in all your communications to this site, including lawfulness, truthfulness and accuracy of such communications.  In particular, but without limitation, you should not post any unlawful, threatening, defamatory or obscene material or any material that could give rise to a criminal offence and/or civil liability.

It is the responsibility of the user of this site to ensure that no viruses enter their systems.  Northern Rock assumes no responsibility in this respect.

Copyright

The information contained on and the contents of the pages of this site, not limited to the layout and expression, are copyright of Northern Rock and/or its third party suppliers and may not be copied, transmitted, converted, transcribed or reproduced without the prior consent of Northern Rock.  You may print/download on any single computer one copy of these pages for your own personal non-commercial home use.  All copyright notices, propriety notices and disclaimers should also be copied.  All rights not expressly granted by us in these terms and conditions of use are hereby reserved.

Trademarks

All brand names and product names referred to in this site are trademarks or trade names of Northern Rock.   

Exclusion of liability

Northern Rock is not responsible for any losses, injury or damage whether direct or indirect, special or consequential caused by Northern Rock’s website or netbank arising in any way out of the use thereof and in particular in respect of unavailability of access to the internet, Northern Rock service system maintenance, or any electronic or telecommunication failure even if Northern Rock or a representative of Northern Rock knew that there was an inaccuracy on the website.

Northern Rock makes no representations or warranties regarding the accuracy, functionality, or performance of this website or any third party software that may be used in connection with this site.

Other sites

This site may provide links which lead to the websites of third parties.  Northern Rock does not accept any responsibility for the content or operation of such sites.

Financial Services Compensation Scheme (FSCS)

Your deposits with Northern Rock are protected in cooperation between the UK Financial Services Compensation Scheme and the Danish Depositor Guarantee Fund, which provides protection against losses in the event that a bank suspends payments or becomes subject to compulsory winding up. 

Personal accounts

Payments under the UK Scheme are limited to 100% of the first £35.000 (at the prevailing Kroner equivalent) of a depositor’s total deposits with the bank.

If exchange rates fluctuate and £35,000 equals less than DKK 300.000, the Danish Guarantee Fund will increase the coverage under the UK scheme to DKK 300.000 per depositor.

The total protection you receive under both of the schemes is no less than you would receive if your deposit was protected only by the Danish Scheme and for balances above DKK 300.000 the protection may be higher depending upon the prevailing exchange rate.

Business accounts

Sole traders and businesses with a turnover under £1.000.000: 

Payments under the UK Scheme are limited to 100% of the first £35.000 (at the prevailing Kroner equivalent) of a depositor’s total deposits with the bank.

If exchange rates fluctuate and £35,000 equals less than DKK 300.000, the Danish Guarantee Fund will increase the coverage under the UK scheme to DKK 300.000 per depositor.

Businesses with a turnover above £1.000.000

Deposits are covered solely under the Danish Guarantee Fund and payments under this scheme are limited to DKK 300.000 per depositor. 

The cover relates to each depositor for their combined deposits held with Northern Rock and not for each account.

Further details of the scheme may be obtained from http://www.fscs.org.uk/ for the UK Scheme and http://www.garantifonden.dk/ for the Danish Scheme or by contacting Northern Rock.

Data Protection

Your personal information

We receive information about you and your accounts in the normal course of business and we will treat your information in accordance with this statement.

The use of your information

We are obliged to collect certain information from you when you open an account, for example your name, address and civil registration number.  You will also be asked to provide further information such as your contact details.  We use this information for administrative purposes and to assist us in managing your accounts and communicating with you. We will ask for your consent to use your information for marketing purposes.  Such consent is entirely voluntary and you can revoke it at any time via the Netbank or by contacting us.

You may be asked to provide identification documents when opening an account and we may retain copies of these documents.

We may obtain information about you from public sources or registers, for example from the Central Office of Civil Registration if you change your name or address.

When do we pass on information?

Under Law, our employees have an obligation to keep customer information confidential and may not pass on or use confidential information about you without justification.

In certain cases we are obliged to pass on your information to public authorities, such as the tax authorities.  There are also other cases where we would be legally compelled to disclose your information.

We may also pass your data to third parties formally appointed by us to administer customer accounts.  This will always be under a formal written contract.

Your rights

You have a legal right of access to the personal information we hold about you.   As specified within the legislation, this information will be provided as soon as possible, but no later than four weeks after receiving your request (a fee may be payable for this information but we will inform you of any fees before we action your request). You may be required to provide us with proof of identity in order for us to complete this request.

You also have a right to have any inaccurate or misleading information about you corrected.  If you ask us to, and this is feasible, we will inform any third party to whom we have disclosed your information of the correction.

If you wish to make a complaint about our use of your information, you may do so by contacting the Branch Manager, Northern Rock, Râdhuspladsen 16, 1.Sal, 1550 København V or telephoning 70272730 (lines are open from 8am to 5pm weekdays excluding Bank Holidays)

You also have a right to lodge your complaint with the Danish Data Protection Agency, Borgergade 28, 5th Floor, DK – 1300 København K, Denmark, e-mail: .
 
Regulatory supervision and compliance

Northern Rock is registered with the Danish Financial Supervisory Authority:

Finanstilsynet, Gl. Kongevej 74 A,
1850 Frederiksberg C
Telephone: 45 33 55 82 82
http://www.finanstilsynet.dk/  

Northern Rock plc is authorised and regulated by the UK Financial Services Authority (‘FSA’) for deposit taking.  Northern Rock is entered in the UK FSA’s Register and its FSA Register number is 106081.  For more information visit www.fsa.gov.uk/register

Complaints

Northern Rock is committed to providing a high standard of service to its customers and its ‘Internal Complaints Procedure’ is designed to resolve problems and difficulties quickly and easily.    If you have a complaint you can send the details in writing to the Branch Manager, Northern Rock or via e-mail to

To raise your complaint by telephone you can call our Customer Helpline on 70272730 (lines are open from 8am to 5pm weekdays excluding Bank Holidays). You can also refer your complaint to the Danish Financial Services Complaint Board (Pengeinstitutankenævnet).  Complaints currently cost DKK 150 and must be sent to Pengeinstitutankenævnet, Østerbrogade 62, 4 sal, 2100 København Ø.  For further details please ask for a copy of our Internal Complaints Procedure to be sent to you.

The executive order on good practice

Northern Rock, complies with the Executive Order on Good Business Practice for Financial Undertakings issued by the Danish Ministry of Economic and Business Affairs. Northern Rock is happy to supply a copy of this executive order upon request.

Governing Law

Use of this site is subject to the laws in Denmark which shall exclusively govern the interpretation, application and effect of all the above permissions, exclusions, licences and conditions of use.  By accessing this site you agree to submit to the exclusive jurisdiction of the Danish courts over all claims or disputes arising in relation to, out of or in connection with this site and its use.  If any provision of these terms and conditions of use shall be held to be unlawful, void or unenforceable for any reason then such provision shall be deemed severed and shall not affect the validity and enforceability of the remaining provisions.

General

To help us maintain our service standards, we may monitor or record your telephone calls to Northern Rock

You agree that you will not use this internet site for any unlawful purpose or in breach of Danish law or any other law applicable to your use of the internet.  These prohibited uses include, but are not limited to:-

1.    civil and criminal offences of copyright and trademark infringement; or   

2.    transmission or display or posting to a bulletin board of obscene, 
       indecent or pornographic material; or

3.    commission of any criminal offence (including deliberate transmission 
       of computer viruses) under the Danish Criminal Code
       or similar legislation in any country; or

4.    any transmission or display or posting to a bulletin board of any material 
       which is of a defamatory, offensive, abusive, or menacing character
       or which causes annoyance, inconvenience or needless
       anxiety to any other person; or
   
5.    transmission or display or posting to a bulletin board of any material in 
       breach of the Data Protection Act 2000 (or any replacing statute) 
       dealing with data protection or similar legislation in any other country
       or of any material which is confidential or is a trade secret; or

6.    use of the Internet in any manner which is a violation or infringement 
       of the rights of any individual, firm or company within Denmark and elsewhere.

Security

Northern Rock uses industry standard methods, including 128 bit encryption to ensure all the transactions processed via their site are secure.

You must keep your PC secure by using up to date anti-virus and spyware software and a personal firewall. You should treat all e-mails or calls asking you to reveal security details about your online account with caution.

Northern Rock will never send e-mails asking you to provide, update or confirm personal or security information, such as your account number, PIN, or security details via e-mail.  If you do receive an e-mail claiming to be from Northern Rock, asking you to confirm your security details online, please do not respond to it and let us know as soon as possible by calling our Customer Helpline on 70272730.

You must tell us as soon as possible if:

•     you believe that someone else knows your account password; or

•     you believe that someone else (other than a joint account holder) is trying to 
      use your Account.

Although we would not recommend this practice, if you are using the internet in a public place such as an internet cafe, do not leave the PC unattended and ensure that no one is watching what you type. Make sure you log off from online banking upon completion of your session.

Please see the Technical Help section on this site for further information on security related issues.

E-Commerce Directive

In accordance with the E-commerce Directive Northern Rock is required to make the following information available about itself, its products and its service:

The product provider is

Northern Rock Bank Danmark filial af Northern Rock plc England,
Râdhuspladsen 16, 1.Sal,
1550 København V