Legal Disclaimer

The information published on the Íslandsbanki Investment & Pension Services website,, is true and accurate to the best knowledge of the bank at the time of publishing; Íslandsbanki cannot be held liable for any transactions that are carried out on the basis of that information, and the bank cannot guarantee the accuracy of all the information published. The information and views published on the website are subject to change without notice. Íslandsbanki is not responsible for any third party content published on the website.

The information published on the Íslandsbanki Investment & Pension Services website does not in any way constitute advice to customers to buy or sell any particular financial instrument and users of the website are solely responsible for any investment decisions they may make on the basis of the information published on the website

Íslandsbanki cannot be held liable for any damage that may be suffered as a result of the information published on the website or any damage that may be directly or indirectly caused by the use of the website. In addition, Íslandsbanki shall not be held liable for any damage arising from an inability to access the website for longer or shorter periods of time.

Íslandsbanki owns the copyright to all information published on its website unless otherwise expressly stated or implied by the context. The reproduction, distribution or display of the information published on the website is subject to the written authorization of Íslandsbanki regardless of the nature of the information concerned or the purpose of such reproduction, distribution or display. However, customers of Íslandsbanki are permitted to save such information for personal use.

Trading in financial instruments involves significant risks. Past results are not an indication of future returns. Users of the VÍB website are encouraged to obtain information about the nature of securities trading, investment strategies, tax issues and other matters relative to securities trading from the bank's advisors.

E-mail Disclaimer

The information contained in e-mails and, as the case may be, attachments to e-mails sent from Íslandsbanki or VÍB e-mail addresses may be of a confidential and/or private nature and is solely intended for the recipient of the e-mail in question. The substance and content of such e-mails are the responsibility of the sender unless related to the business of Íslandsbanki. If an e-mail from an Íslandsbanki or VÍB e-mail address is received in error, the recipient is kindly asked to keep the contents of the e-mail confidential, notify the sender and destroy the e-mail as required by Article 47 of Act No. 81/2003 on Telecommunications.

Recording of telephone conversations and storage of information

Customers are made aware that business-related telephone calls to Íslandsbanki may be recorded without special notice in order to ensure the security of the bank and customers; such recordings are made pursuant to authority provided in the Act on Telecommunications.

Customers are made aware that recordings may be submitted as evidence in legal proceedings and/or in other circumstances in the event of a dispute regarding the substance of communications between the parties, e.g. as regards the conditions and/or execution of a trade. In other respects, the bank shall treat recorded telephone conversations in the same way as other information which is subject to bank secrecy pursuant to Articles 58 to 60 of the Act on Financial Undertakings.

All information, in any form whatsoever, about a customer's transactions and their execution is stored by the bank for a minimum period of five years.