Legal information

Please read these terms and conditions carefully. All users of the Jyske Bank Private Banking website accept and agree to be bound by the legal terms set out in the following. If you do not accept these terms and conditions, please do not use the website.

It is important that you are aware that the information at this site is not to be construed as an offer to buy or sell or a solicitation of an offer to buy or sell financial instruments.

Please note that this site is designed for and maintained by Jyske Bank Private Banking - a business division of Jyske Bank A/S.

The information on our website is likely to be modified without prior notice and this also applies to our recommendations.

Copyright

Print and download, but request permission where appropriate

The entire contents of the Jyske Bank Private Banking website are subject to copyright with all rights reserved. Downloading or copying from the Jyske Bank Private Banking website will not transfer the title to any software or material. All our visitors and clients are welcome to download or print out a hard copy of individual pages and/or sections of the site, provided no copyright or other proprietary notices are removed.

Special software

Links to downloadable software are for convenience only, and Jyske Bank Private Banking is not responsible for difficulties or consequences associated with the downloading process.

When is permission required?

Prior written permission from Jyske Bank Private Banking is needed if you wish to reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, link into or use this site for any public or commercial purpose.

Warranty and liability

All information contained on the Jyske Bank Private Banking website is provided without warranty of any kind, expressed or implied.

In no event, including (without limitation) negligence, will Jyske Bank Private Banking be liable for any loss or damage of any kind, including (without limitation) any direct, special, indirect or consequential loss, even if expressly advised of the possibility of such loss, arising out of or in connection with the access of, use of, performance of, browsing in or linking to other sites from the Jyske Bank Private Banking site.

Local law

Products and services described on this website may not always be available to all investors; for instance these products and services cannot always be made available to residents outside the European Union and are not available to residents of the United States of America.

Below please find information listed for selected countries - please note that the list is not exhaustive.

Australia

Jyske Bank A/S is not regulated by APRA in Australia.

Persons and companies that are Danish tax residents

Products and services referred to on this website are not aimed at, and may not be offered to, persons or companies that are Danish tax residents. Such persons and companies are instead invited to use the products and services offered by Jyske Bank A/S to Danish residents. For more information we refer to Jyske Bank A/S's homepage www.jyskebank.dk.

United Kingdom residents or citizens

For investors resident in the United Kingdom who subscribe to the products and services of Jyske Bank Private Banking: products and services will be undertaken on your behalf (or provided to you) by an overseas investment business, and as such are not covered by the rules and regulations made for the protection of investors in the United Kingdom.

US Persons

Products and services referred to on this website are not aimed at, and may not be offered to US Persons. US Persons are instead invited to use the products and services offered by Jyske Global Asset Management.

For more information we refer to Jyske Global Asset Management's website: www.jgam.com.

Investment information

Past performance and fluctuations

The price of and return on bonds and equities may fall as well as rise. Past performance is not necessarily a guide to the future, and investors may not get back the full amount invested. Bond and share prices in emerging markets can be extremely volatile. Where an investment is denominated in a currency other than the investor's base currency, the investor must be warned that changes in rates of exchange may have an adverse effect on the value, price or income of the investment.

Your case is unique, every time

Recommendations on our website are based on reliable information and thorough analysis. We are, however, not responsible for investments made on the basis of these recommendations. We recommend that an investment decision be always based on professional, individual advice.

Products illustrated on this website may not be suitable for all clients, and if you have any doubts, you must obtain further advice from your investment adviser, fully explaining your requirements.

Duty to inform the tax authorities

We do not offer tax advisory service as such. The tax information that we offer is of a general nature. If you require specific information, we recommend that you contact your accountant or tax adviser before acting on information provided by us. The information provided by us does not relieve you of your duty to report to the relevant authorities in the country where you are a tax resident. You are responsible for reporting any taxable income to the relevant tax authorities.

Jyske Bank (Schweiz) AG

Jyske Bank (Schweiz) AG is regulated by the Swiss Financial Market Supervisory Authority, FINMA, www.finma.ch

According to the Swiss Bankruptcy Act, the claims of the account holders are considered to be third-class claims. According to art. 37b of the Banking Act, deposits and medium-term notes deposited at the bank in the name of the depositors are assimilated to second-class claims up to an amount of 100 000 francs per creditor. Further information about compensation arrangements is available from the Swiss Financial Market Supervisory Authority, FINMA, www.finma.ch, based on art. 37b of the Banking Act.

With respect to deposited assets (e.g. share portfolio or participation in collective investment schemes), art. 37d LB states that, in case of bankruptcy, they are excluded from the bankruptcy proceeding, i.e. they are handed back to their owners. This provision applies to all deposited assets as defined in art. 16 LB.

United Kingdom residents or citizens

Please note that applications for investment and banking products from Jyske Bank (Schweiz) AG will not be accepted from UK resident private clients when sourced from this website or other media in the UK. This website is directed at persons outside the UK and that anyone accessing the site from the UK should not act on its contents and indeed should disregard its contents.

Jyske Bank (Gibraltar) Ltd.

Jyske Bank (Gibraltar) Ltd. is authorised to conduct investment service business and is regulated by the Gibraltar Financial Services Commission. Jyske Bank (Gibraltar) Ltd. is covered by the Gibraltar Investor Compensation Scheme which meets EU requirements.

In relation to investment business, the maximum level of compensation is the lesser of the value of 90% of eligible investments and the sterling equivalent of 20,000 euros. Further information about compensation arrangements is available from the Gibraltar Investor Compensation Scheme.

This level is lower than that available under the United Kingdom Compensation Scheme, which exceeds EU requirements, and the details of which are available from the United Kingdom Financial Services Compensation Scheme.

Complaints

We strive to offer our clients the highest level of service and care at all times however we accept that there may possibly come a time when we do not fully meet your expectations and you feel the need to bring this to our attention. We welcome complaints in as much as they give us the opportunity to see how we might improve our levels of service and thereby strengthen our business.

If you do feel the need to complain then we promise  to:

• Fully investigate your complaint
• Ensure that it is dealt with promptly
• Ensure  that it is resolved fairly.
• Explain how and why a particular decision concerning your complaint has been reached.

In the first instance we would encourage you to discuss any concerns you may have directly with your personal account adviser at the Bank. If you are not satisfied with your adviser’s response, or if you feel uncomfortable addressing your complaint  to your adviser directly,   then you are welcome to make a formal complaint . All formal complaints should be made to the Bank in writing and addressed to:

The Manager, Jyske Bank, Gibraltar Ltd, 76 Main Street, PO Box 143, Gibraltar.

 Alternatively you can email your complaint to: compliance@jyskebank.gi

Should you not be satisfied with the handling of your complaint  then you can express your dissatisfaction to the Gibraltar Department of Consumer Affairs. (Telephone +350 20050788 / e.mail conaffairs@gibtelecom.net)

Jyske Bank (France)

Jyske Bank (France) is the French branch of Jyske Bank A/S, company no. 17616617 – Vestergade 8-16, DK-8600 Silkeborg. Jyske Bank A/S has been duly authorised by the French regulator (CECEI) to conduct banking activities in France, to open its French branch and to conduct its advisory activities through this branch.

Jyske Bank Private Banking (Copenhagen)

Denmark has introduced new rules about risk classification of various investment types. Before making a specific investment you will then be able to check if you risk losing part of your investment, your entire investment, or more than your investment. Investment products will be classified by the traffic lights red, yellow and green. 

Jyske Bank Hamburg

Specialtekst til Hamburg