Below you will find a summary of key rules regarding these conditions of use on the LOCALMARKET.no website. The website's use is subject to all the terms and conditions set forth below – if you do not agree with these terms and conditions, immediately stop using this website. The website is for personal use only and cannot be used for commercial purposes. Except for certain products, the website is meant for clients living in the Kingdom of Norway's territory. Apart from certain products, such as car insurance for young drivers, the website may be used only by persons of at least 18 years of age. Our service consisting of offer preparation is free of charge. In many cases, we get a commission from a supplier to purchase a product or a service through our intermediation. However, if ordered through our website, some products will be subject to additional fees or charges.

The entire liability for the preparation of offers is assumed by the user, therefore it is important that the information is given during the use of the LOCALMARKET.no website be accurate and complete. If you order a product or a service via our website, you will be subject to the conditions of use and privacy policy of the supplier (which is different from ours), therefore please read this information carefully. At any time and without notice we may change these conditions, by changing this website, therefore you should check the conditions of use each time you use the website.

© LOCALMARKET.no is an appointed representative by a consortium of companies such as; LOCALMARKET GROUP AS, SJØLYST INVESTORS AS & SJØLYST FINANS AS, B2 CAPITAL AS and BUSINESS LINK NORWAY based in Oslo, with its registered office at Karenslyst Alle 4, 0278 Oslo, registered in the Brønnøysundregistrene commercial register in the Kingdom of Norway, subject to limited regulation (Financial Supervisory Authority). Telephone: + (47) 23 89 88 63, E-mail post@localmarket.no.

"Product" means access to any product or third party service displayed on our website;| Access to the website and its use is automatically subject to acceptance of these conditions of use and the privacy policy. Using the website, you consent to related actions following these conditions of use and the privacy policy. We reserve the right to change these conditions of use from time to time without notice by changing the website's information. The amended conditions of use will be binding from the date of publication thereof on the website. Since these conditions of use may be amended from time to time, therefore they should be checked each time you visit our website.

Should you have any questions regarding these conditions of use, you may contact us: By mail: LOCALMARKET.no AS, Postboks 358, 0213 Oslo. By phone: + 47 23 89 88 63 and by email: post@localmarket.no. If you are dissatisfied with any aspect of our website or our service and would like to complain, please read the text below: Phone conversations with our clients may be monitored and/or recorded and are referred to our customer service department. The reason for it is to train our employees and facilitate the operation. The recording will be used only under respective supervision. Our customer service helpline is available Monday through Friday from 9 AM to 5:30 PM.

We provide independent online service, enabling us to prepare services and products, among other insurance, financial products, accounting services and other products or services rendered by third parties. Our service is free of charge for you. We get a commission from service providers in the case of use of our service to buy products. Our customer service team is available to handle all offline requests.

The website is designed for personal, non-commercial use only. It may be accessed and used only by individuals or companies to search for a product directly for a given individual or company. Access to products and services for commercial purposes is strictly prohibited.

In any illegal, fraudulent or commercial manner; it is prohibited to insult, harass, defame, intimidate or molest any other person or in a way that undermines privacy of any other person or which is obscene, offensive, hateful, indecent, improper, unacceptable, discriminating or harmful. To create, check, approve, update, modify or amend registers of any other person. In addition, it is prohibited to disturb the operation of our communication and technical systems, with any automated software, or Internet worm stealing personal data. We neither guarantee nor declare that any product or service provided by us is available or otherwise suitable for use outside the territory of the Kingdom of Norway. If you decide to use the website outside the territory of Norway, you do it at your own risk and you are responsible for compliance with all binding local regulations of Norwegian law.

Trademarks, copyrights, rights to databases and other intellectual property rights to the website and information, contents, materials or data displayed on the website are the property of us or our licensors, and all such rights are reserved. Nothing on the website may be used for any trade or commercial purposes. Publishing, distribution and reuse or copying without our previous written consent is prohibited. A copy must preserve all copyrights or other intellectual property statements contained in the original material. The photographs displayed on the website are protected by copyrights and may not be reproduced or used in any other manner without the previous written consent of their owner or owners. No logo, trademarks or service marks displayed on the website may be printed or downloaded, except for their part in which they are created.

All rights to the contents sent to LOCALMARKET.no no belong to us. A user maintains all rights to the contents sent via the website, and at the same time grants us a perpetual, irrevocable, free of charge, and unlimited license for use in any way and for any purpose

a. Upon ordering a service you agree to pay all fees and / or other charges incurred by you in accordance with all terms of payment set forth in the conditions of the agreement with a third party company.

b. Payment for a product will be made to a respective third party upon conclusion of the agreement.

c. We may charge handling fees that may be incurred by us or by any third party in connection with your application. However, we always notify you about such fees before you have to incur them.

We guarantee the highest Internet security standards, due to which you may trustfully use online. While introducing the protected field, a small padlock or key will be displayed on the bottom of the screen, indicating that you are safely connected with us. You may be sure that the information provided to us is encrypted and cannot be read by anybody else. The below items are important and should be read carefully as they exclude or limit our liability to you and present your duties in detail.

By using our service you agree that you are liable to us for any damages, losses, claims or costs (including reasonable legal fees) that you will have to incur in connection with your behaviour on or outside the website.

Our service enables searching and ordering various types of products and services from different providers. You must answer many questions in the applications to get valuation or offer for any product or service. It is important that all information contained in the application should be precise. It is necessary to provide all the information to provide you with a respective product or service you are interested in. It is essentially important that you answer all questions in a true, complete and accurate manner and disclose all material facts. Failure to comply with such rules may invalidate the product or service purchased and you may incur all third party costs. Should you have any doubts, you should disclose them to your offerer before filing the application. It is your duty to identify and correct errors in information, contents, materials before purchasing a product or service. Failure to comply with the above may result in invalidation.

To deliver required information on behalf of another party, you must obtain such person’s consent. Upon sending detailed information of other persons, you confirm that you have their consent and that they understand how their data will be used. In addition, you need to make sure that the user’s content is in line with the guidelines indicated in part 2 of these conditions of use. You must take all reasonable precautions (including by use of respective anti-virus software) to ensure that all information, contents, materials or data supplied (including user’s contents) are free from viruses and other materials that may adversely affect any part of the website or third party websites or any other technology.

The products and services offered by us on our website are not supplied by us, but by third parties over which we have no control. You should always check the suitability, adequacy and use of the product or service you are interested in. It is your obligation to make sure that you want to get the product before you apply for it. Should you have any doubts about suitability, adequacy or use of any product or service referred to on our website, we suggest you seek independent professional advice before getting it. The website provides information on a broad range of products and services. Still, there may also be other products or services available on the market, which are not currently displayed on the website, which may be more suitable for you than those presented there.

Use and getting a product or a service is subject to the supplier’s conditions (which are different from ours). Therefore, you must read the terms and conditions of the supplier's agreement and all details concerning the product or service before you sign the agreement. We do not have control over all links to websites of third-party suppliers owned by them. We do not support, recommend or assume liability for such third parties, their products or services, their websites, information or opinions and advice provided by such third parties (on their websites or otherwise).

We strive to ensure that the information on our website (except when needed) is accurate. In addition, we strive to correct all errors or omissions as soon as possible after receiving a notice. However, we are not able to guarantee that the material on the website is accurate and free from errors or omissions at a given moment. We reserve the right to add, modify, delete, edit or amend any information, contents, materials or data displayed on the website at any moment and without notice.

Nothing on the website is promoted or highlighted. Information on the website is made available only for information purposes and should not be shared by you as a product that you recommend as suitable for satisfaction of your needs. Some of our channels enable access to third party websites containing reviews of products and services. Sometimes it is also possible to get access to opinions of users directly on websites. The views expressed in such opinions do not reflect our views or views of our associated companies.

Our goal is to provide an uninterrupted access to the website, but we do not guarantee it. We reserve the right to suspend, limit or end access to the website at any moment.

We are not liable for death or personal injury caused by negligence or fraud of third parties. If any information, contents, materials or data supplied by you are not accurate, complete and precise, or are misleading or if you do not disclose all material facts or where any product or service you seek does not satisfy your requirements or is not suitable for you; we bear no liability for any actions, omissions, errors or defaults of third parties in connection with such product or service. We do not guarantee that the website is free from viruses or other materials that may affect any technology.

a. We strive to provide you with excellent service at any time. If you are dissatisfied with our service for any reason, please contact our customer service department at E-mail: post@localmarket.no.

b. We will endeavour to send you an official complaint confirmation within 48 hours and resolve the case as quickly as possible. After having the occasion to verify your concerns, we will provide you with our final answer. If you are dissatisfied with our answer, depending on the nature of the complaint, you may be entitled to refer the case to Consumer Rights Council – Forbrukerrådet. Postadresse: Postboks 463 Sentrum 0105 Oslo Telephone + 47 23 400 500. Website: https://www.forbrukerradet.no. If you want to initiate a formal dispute concerning our online services, you may also use the Internet dispute resolution portal regarding dispute resolution in the European Commission: https://webgate.ec.europa.eu/odr.

If you are dissatisfied with any product or service that you received from a third party or if you have any complaint regarding a third party, you should lodge your complaint directly with such third party. Should you need their contact details, please contact our customer service department who will be happy to help you.

Suppose any provisions of these conditions of use are declared illegal, invalid or unenforceable. In that case, such provisions shall be deleted from these conditions of use, and it will not affect the validity and enforceability of the remaining provisions of these conditions of use. These conditions of use and our Privacy Policy and Cookie Policy constitute the entire agreement between the user and the user related to your access to the website and service of the site (including all earlier conditions of use of the website). These conditions of use and access to and use of the website are governed by and interpreted by Norwegian laws. Each user is subject to the exclusive jurisdiction of the courts of the Kingdom of Norway in connection with these conditions of use and access to and use of the website (including any claims or disputes).

As part of the commison of services regarding insurance products, we made certain assumptions regarding you based on our users' answers most frequently provided. We used such information as initial questions in our forms. If any of such information is incorrect, please inform us.

Intelligent search In accordance with criteria and data given by you, we will check your chances to get a particular product, such as a credit card or mortgage or consumer loan. Intelligent forms were created in cooperation with trusted external companies (banks and financial institutions in order to get a full offer of products and conditions related to the services offered by them). By sending your data, you agree to transmit such information to providers of banking services and creditworthiness assessment agencies such as Experian or Bisnode. We are not liable for any actions, omissions, errors or defaults of third party suppliers. The provider of the product or service that you want to purchase should provide you with all required information regarding the product or service upon making the transaction.

Intelligent search Following the criteria and data given by you, we will check your chances to get a particular product, such as a credit card or mortgage or consumer loan. Intelligent forms were created in cooperation with trusted external companies (banks and financial institutions to get a full offer of products and conditions related to the services offered by them). By sending your data, you agree to transmit such information to providers of banking services and creditworthiness assessment agencies such as Experian or Bisnode. We are not liable for any actions, omissions, errors or defaults of third party suppliers.

The provider of the product or service that you want to purchase should provide you with all required information regarding the product or service upon making the transaction. It includes information on fees and expenses related to the product or service and any possible influence on your purchase or investment in time. If you need any additional information, you should contact the third party directly. The information contained on the website is available for general purposes only and provides nothing more to suit the product or service to your needs. Should you have any doubts about the suitability or adequacy of any product or service, we suggest you seek independent financial advice before purchasing any product or service. By purchasing an investment product or fund, you will be obligated to pay commission based on the transactions you make with them or indirectly.

The user is not allowed to: Collect e-mail addresses or other contact information in order to send unordered or other unwanted notices. To promote or encourage any illegal activity. To do anything that is contrary to law, harmful, unfair, dangerous, defamatory, embarrassing, nervous, affecting, insulting, intimidating, molesting, harassing, pagan, obscene, indecent, inappropriate, hateful, racially or ethnically discriminating, sexually or otherwise unacceptable for the purpose of harming third parties. To do anything violating other persons’ rights (e.g. the right to privacy); To impersonate another person or falsify your personal data.

To send, publish, store or make publicly available in any other manner any private information of other persons, including names, addresses, phone numbers and e-mail addresses and other personal data. To send, publish, distribute, modify, copy, store or make publicly available any information, materials, data or contents violating any patent, trademark, trade secret, copyrights or any other intellectual property rights of another person. To send unwanted or prohibited advertising materials, promotional materials, “junk”, “spam”, “chain letters” or any other form of such activities. To place links to alternative social groups or internet forums except upon our previous written consent. We reserve the right but not the obligation to check or monitor the user. We are not liable for user’s actions.

We reserve the right to close, delete, edit, refuse to publish, modify any contents of data at our sole discretion for any reason whatsoever, including information sent by users which in our opinion infringes these conditions of use. If you believe that any item violates the above conditions of use or standards of use, please write to us at post@localmarket.no. LOCALMARKET.no is owned and operated by a consortium of companies such as; LOCALMARKET GROUP AS, SJØLYST INVESTORS AS & SJØLYST FINANS AS, B2 CAPITAL AS and BUSINESS LINK NORWAY based in Oslo, located at Karenslyst Alle 4, 0278 Oslo registered in the Brønnøysundregistrene business register in the Kingdom of Norway. Telephone: + (47) 23 89 88 63, E-mail post@localmarket.no. We reserve the right to amend or modify these conditions of use at any moment, and all amendments will be published forthwith. Last updated in January 2020.