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Jyskebank.dk

Information on the right of cancellation
Right of cancellation - distance selling
at your request outside the Bank or as distance Pursuant to S17 of the Danish act on consumer agreements, selling: For instance if the agreement has been ente- you may cancel an agreement on financial services within a red into over the telephone, via e-mail or Jyske without you having been in contact with your adviser inperson, i.e. a so-called distance sale agreement. The Consequently, the right of cancellation does not agreement may for instance have been entered into over the telephone, via e-mail or Sydbank NetBank.
outside the bank, for instance at a meeting at your office or at your place of work when you did not request the futures and optionsinterest-rate agreements The agreement may for instance have been entered into over the telephone, via e-mail or Jyske Netbank upon the Fixed-term deposit accounts whose repayment request of the Bank outside the Bank, for instance at a meeting at your office or at your place of work.
Special rules for individual pension schemesYou may cancel an agreement on an individual pension scheme ("alderspension" and "ratepen- The right of cancellation shall lapse before expiry of sion"), entered into as a distance sale agreement or the cooling-off period, where upon your explicit outside the premises of the Bank, within 30 days.
request, the agreement has been fulfilled by both parties.Typically in case of transfers and payments.
Basically, the cooling-off period is defined from the day you sign the agreement or place your order.
Once the cooling-off period no longer applies, any However, the cooling- off period does not commence agreement may be terminated in accordance with until you receive the information you are entitled to the provisions of "Dealing with Jyske Bank" - General pursuant to the provisions of the Danish Consumer terms and conditions or in accordance with the provi- Agreements Act, such as information on the right of cancellation and the product you ordered. Such infor- mation must be in writing, i.e. in your Netboks or in a The right of cancellation shall lapse for agreements letter. If, for the sake of example, you sign an agree- which within the cooling-off period of 30 days ment on the first day of the month, a Monday, the (pension schemes) and 14 days (other distance sale cooling-off period runs up to and including Monday agreements) fall within the scope of an agreement on 15th. If you receive the relevant information on, e.g., securities and financial services of which prices fluc- Wednesday 3rd, your cooling-off period runs up to tuate in the capital market. Hence, you cannot cancel and including Wednesday 17th. Where the last day of the deposit on agreements which before the cooling- the cooling-off period is a Saturday, a Sunday, a holi- off period is invested in securities or is linked to one day, 5 June (Constitution Day), 24 December or 31 December, the cooling-off period shall expire on thefollowing business day.
Right of cancellation - credit agreements
Payment if you wish to cancel an agreement Pursuant to S.19 of the Danish Credit Agreements Act Where you wish to exercise your right of cancellation, ["Kreditaftaleloven"], you can as a consumer cancel a loan you are obliged to return whatever you have recei- agreement or a credit facility agreement within a period of ved. The Bank must refund all amounts you have paid, except the up-front fee to the Bank and anyother relevant costs, e.g. registration fees or costs If the agreement is subject to the right of cancellation under incurred for the assessment of your property.
the Danish Consumer Agreements Act as well as the Danish If you exercise your right of cancellation, the Bank Credit Agreements Act, the Danish Consumer Agreements may charge an hourly rate for any work in this Act shall not apply to the loan or the credit.
respect, depending on the scope of the matter.
The cooling-off period for loans and credits is defined Where you wish to exercise your right of cancellation, from the date on which you signed the agreement or you must call or write to your branch before the received the terms and conditions as well as informa- cooling-off period expires. Where your notice has tion about the conditions for exercising your right of been sent to us in writing before expiry of the cooling-off period, your cancellation shall be conside-red valid. If you want to ensure proof that you acted Such information must be in writing, i.e. in your within the cooling-off period, you may want to send a Netboks or in a letter. If, for the sake of example, you letter by registered mail and save the post office sign a credit agreement on the first day of the month, a Monday, the cooling-off period runs up to and inclu- ding Monday 15th. If you receive the relevant infor- For transactions involving the raising of mortgage mation on, e.g., Wednesday 3rd, your cooling-off loans and trading in mortgage bonds, including fixed- period runs up to Wednesday 17th. The cooling-off price agreements, the right of cancellation does not period always expires on the last day of the cooling- apply. For transactions involving securities or finan- off period, regardless whether this is a holiday, 5 cial services of which prices depend on fluctuations June (Constitution Day), 24 December or 31 Decem- in the capital market, the right of cancellation does not apply if the agreement was entered at the Bank, Payment if you wish to cancel an agreement Jyske Bank A/S · Vestergade 8-16, DK-8600 Silkeborg Tel. +45 89 89 89 89 · Fax. +45 89 89 19 99 · jyskebank.dk Where you wish to exercise your right of cancellation, You must notify the Bank accordingly in a letter or you must, immediately and not later than 30 days another durable medium before expiry of the cooling- after notification of cancellation has been forwarded off period. Where your notice has been sent before to the Bank, repay the principal plus interest accrued expiry of the cooling-off period, you cancellation shall from the date of drawdown of the loan or credit until the date of repayment of the principal.
Once the cooling-off period has expiredOnce the cooling-off period no longer applies, any The Bank must refund the costs you have paid, agreement may be terminated in accordance with except non-refundable costs and charges, if any, paid the provisions of "Dealing with Jyske Bank" - General to public authorities, for example registration fees.
terms and conditions or in accordance with the provi- Where you wish to cancel an agreement, you mustfollow the directions described in the relevant agree-ment.
Jyske Bank A/S · Vestergade 8-16, DK-8600 Silkeborg Tel. +45 89 89 89 89 · Fax. +45 89 89 19 99 · jyskebank.dk

Source: http://www.jyskebank.dk/wps/wcm/connect/32817ef3-3741-492e-8a06-737eb0049eb2/D00KISXKUNFORTRY+-+Oplysning+om+fortrydelsesret+UK.pdf?MOD=AJPERES

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