Please note that the original Danish terms and conditions are governing documents for all purposes, and in case of any discrepancy, Danish wording will be applicable.

Terms and conditions for using

Read the following terms and conditions carefully before you use the website ('Website').

When you enter the Website, you accept and are bound by the terms and conditions below. Some documents and parts of the Website may be subject to special terms and conditions in addition to those mentioned here.

The Website contains services provided by Velliv, Pension & Livsforsikring. In this connection, all of the companies are referred to as service providers.

The content of the Website and any associated services are made available in their present state and condition. The service provider does not make any guarantees with regard to the Website and the content thereof. The service provider reserves the right to update the Website and stop giving access to the Website at any time. The service provider is not responsible for any costs, loss or damage arising from the use of the Website, regardless of whether the service provider or a representative of the service provider knew of an error in the service.


The content of this website is only intended as a guide and is based on information available to Velliv at the time of editing and accordingly may not remain current.

Reservations are made for errors and changes to products, insurance plans, insurance conditions, etc.

You can find more information about the terms and conditions that apply to you in your agreements, policies, pension certificates, insurance conditions and terms and conditions of pension.

In case of any discrepancy between the Danish text and the English translation, the Danish text shall prevail.

1. Information about the service provider

The main service provider is:



Velliv Pension, livsforsikring A/S
Lautrupvang 10, 2750 Ballerup
43 33 99 99
Finanstilsynet, Århusgade 110, 2100 København Ø



2. Other service providers

The Website may also contain services provided by external companies, such as:
Nordea Invest

Information regarding other service providers is available in the agreements concerning the services or other material published by the service providers.

3. Limitation on the use of the Website and on the conclusion of binding agreements

The Website and information contained on the Website are only aimed at Denmark, unless otherwise explicitly agreed or announced. No information contained on the Website should be considered an advisory service or a solicitation to buy or sell or a recommendation from any of the service providers, unless otherwise explicitly specified by Velliv. The same applies to any jurisdiction where, according to law, making offers, recommendations or providing advisory services is not allowed.

No content of the Website should be considered a binding offer from the provider of the information, unless otherwise explicitly specified in connection with the information. No information contained on the Website constitutes an offer to buy or sell securities or other financial instruments nor a piece of advice or recommendation to conclude such agreements. Legally binding agreements with a company in Velliv are always made on the basis of a separate agreement.

On the Website, Velliv can provide advisory services regarding investments and tax matters. Velliv is not responsible for any loss or damage or actions following from such advisory services.

4. Information provided by third party

The links on the Website are for the user's information only. The service provider is not responsible for material produced or in any other way made available by a third party, regardless of whether access to such material can be gained via a link on the Website. On their own websites, such third parties must provide any information about themselves required by law, and the service provider is not responsible for any lack of or inadequate information.

5. E-mail via internet

Users of the Website are informed that the confidentiality of non-encrypted e-mail messages sent via external networks cannot be guaranteed. Users should not send personal data or other confidential information to Velliv via non-encrypted e-mails. Velliv or other service providers are not obligated to execute orders or instructions given via external e-mail. At the customer's request, Velliv is entitled to send general information via e-mail to the e-mail address provided by the customer. Velliv is not responsible for any loss or damage arising from the disappearance of or changes to such messages.

6. Copyright and trademarks

Companies in Velliv or - if explicitly specified - third parties have the ownership, copyright and any other intellectual property rights to the Website. All rights are reserved in all countries. Publishing, reproducing, transferring or storing the content of the Website, in full or in part, are not allowed, unless the holder of the ownership, copyright or intellectual property rights has given permission to this. This ban does not apply to storing on a computer or printing for own use. The material may be quoted according to applicable law. In those cases, the source must always be stated. However, trademarks or logos displayed on the Website may not be reproduced, published or distributed without Nordea's written permission.

7. Information about processing of personal data

Personal data entered in forms etc. on the Website (e.g. applications) or related services or which are otherwise registered in this connection are processed by Velliv in accordance with Velliv's General Terms and Conditions.

Moreover, Velliv may automatically register IP addresses and the user's use of the Website for e.g. statistical purposes.

You can read more about the processing of personal data here

8. Applicable law

The above terms and conditions are subject to Danish law, and any disputes arising from the content of the Website or services offered on the Website shall be considered by the Danish courts of law.

9. Important information for US Persons

The offering, sale and/or distribution of many of the products or services described on this website are not intended to any US Persons. If you intend to obtain any product or service from Velliv that is described on this web site, you must first inform Velliv whether you are a US Person.

This website and its respective contents do not constitute an offer or invitation to purchase or subscribe for any securities or a solicitation of any offer to sell any securities to US Persons. Any brokerage and investment advisory services described herein are not intended for US Persons. Furthermore, any solicitation on this web site of banking services (including accepting and/or soliciting deposits), insurance services, mortgage and/or consumer lending services or credit card services is not intended for US Persons, who are physically in the US.

“US Persons” are generally defined as a natural person, residing in the United States or any entity organized or incorporated under the laws of the United States. US Citizens living abroad may also be deemed “US Persons” under certain rules.

Velliv does not accept any liability whatsoever for any loss howsoever arising from any use of this website or its respective contents or otherwise arising in connection therewith. Velliv cannot be held responsible for any damages or losses that occur from transactions and/or services in violation of the relevant rules of the purchaser’s home jurisdiction.