1. General terms and conditions for use of If’s websites
These terms and conditions of Use (“Terms”) apply to the use of If websites. Services available on the website may, in addition to these Terms, be subject to specific additional terms and conditions. Services that require the use of identifiers, including without limitation usernames, passwords, electronic identification credentials (such as MitID, BankID or similar electronic authentication methods), are also subject to the contractual terms governing the use of such identifiers.
By using the website, you become the user (“User”) and acknowledge to have read, understand and agree to be legally bound by the Terms. The reference to a User means both an individual and a legal entity.
These Terms apply to any access to or use of the website for which Users are responsible, whether such access or use is undertaken by Users directly or by any third party acting on Users behalf, through an intermediary, agent, representative or otherwise. Users remain fully responsible for ensuring compliance with these Terms by any person accessing or using the website on Users behalf or under Users authority.
Where a User accesses or uses the website on behalf of an individual or entity, the User represents and warrants that it has the requisite authority to bind such individual or entity to these Terms. By accepting these Terms, the User accepts and agrees to these Terms on its own behalf and on behalf of such individual or entity.
Nothing in these Terms shall be understood as limiting or excluding any right or remedy available to an individual under mandatory Norwegian consumer protection law or data protection law, or under any other mandatory provisions of Norwegian law.
Please read the Terms carefully before using the website. Users that do not agree to the Terms, shall not access or proceed to further pages of the If website.
2. Service Provider
The principal service provider of the website is:
If P&C Insurance Ltd
Branch in Norway
Address: Drammensveien 264. 0283 Oslo
Post: Postboks 240, NO-1326 Lysaker
Business ID: 981290666
The If website may include services provided by If P&C Insurance Ltd and its affiliates (“If”) or other companies belonging to the If P&C Insurance group (the “If Group”). All companies belonging to the If Group may in this connection be called “service providers”. Information about the If Group and the Group companies is available under the menu-item About us.
If Group has active insurance business in many countries. If Group companies in particular countries may be subject to additional or different laws, rules, regulations and/or supervisory standards. Please note that, in addition to these Terms, websites may include legal information specific to one or several countries. Such information may, in particular, include corporate and contact information, local licensing information or other local disclosure requirements. The If website and the information and materials available on the websites are only intended for use in accordance with applicable local laws and regulations.
The service language for online sales in the web shop is Norwegian. When contacting us by telephone or via My Pages, we provide service in Norwegian.
3. Changes and Availability
The content of this website is provided “as is” and “as available” basis, without warranties of any kind, expressed or implied. If reserves the right, at its sole discretion, to amend or update these Terms, as well as to modify the appearance, content, availability and functionality of the website and the services provided therein, or to suspend or discontinue the website or any part thereof, temporarily or permanently. If is under no obligation to inform Users about such modifications or amendments. The most recent version of the Terms will always be available on the website. By continuing to access or use the website after any changes become effective, Users agree to be bound by the revised Terms. The User is responsible for regularly ensuring that they are familiar with the most recent version of these Terms.
If is also entitled to suspend access to the website or services for maintenance, updates or technical reasons without prior notice.
4. Information and services
Any information or material provided on the website shall be for general informational purposes only and shall not constitute a binding offer, recommendation or commitment on the part of If, unless explicitly stated otherwise in connection with such information.
The availability of products, services, and functionalities described on the website may vary between countries and jurisdictions and may be subject to local legal and regulatory requirements. Certain products and services may only be available to specific categories of customers or Users. Users should review the relevant information on the website and, where necessary, contact If for further information regarding the availability and suitability of a particular product or service.
If’s customer portals, such as but not limited to My Pages, are subject to additional terms, which are accepted by logging in. Insurance purchase through online sales services and insurance agreements entered with If is subject to separate terms and conditions and are always based on a separate insurance agreement.
5. Website Usage Restrictions
Users shall use the website in its intended way and shall neither manipulate requests, nor embed or otherwise create technical interfaces to the website or its components which enable the extraction or sharing of data and content. Users must not permit or perform screen-scraping of any content.
Users may not submit, upload, enter or otherwise provide personal data relating to another individual through the website unless they have a lawful basis for doing so under applicable data protection legislation.
The content of this website, including any information relating to If’s products, services, terms, pricing, premiums, discounts, underwriting logic, offering structure or other commercial conditions, may not be accessed, collected, extracted, copied, monitored, scraped, aggregated, analysed or otherwise used, whether manually or by automated means, for the purpose of:
- modelling, training or calibrating of AI models;
- infer or conduct reverse engineering of If’s trade secrets, including but not limited to If’s pricing and/or underwriting approach;
- systematically retrieve content, or use data mining, robots, or similar data gathering and extraction tools, to create a collection, compilation, database or directory, or
- otherwise harvest data or other information from the website.
The content of this website may also not be used for any purpose that may facilitate unlawful coordination, concerted practices, misuse of competitively sensitive information, or otherwise infringe applicable competition law.
The restrictions in this Section 5 apply to any person or entity, including competitors, potential competitors, distributors, brokers, agents, intermediaries, advisers, service providers, data aggregators, analytic providers. The restrictions also apply to any party acting on behalf of, for the benefit of, or in cooperation with any such person or entity.
Any use of the website or its content in breach of the restrictions in this Section 5 is strictly prohibited. A breach of these restrictions constitutes a material breach of these Terms and will be considered unauthorised use of the website and its content. If reserves the right, without limitation, to suspend or block access, investigate such conduct, and pursue any contractual, technical, legal or other remedies available.
6. Limitation of liability
To the maximum extent permitted by applicable law, If makes no warranties or representations as to the accuracy of the content of the website and under no circumstances, including, but not limited to, negligence, shall If be liable for any direct or indirect losses, damages or expenses arising out of or in connection with the use of, or inability to use, the website or any related electronic services provided through it.
If does not warrant or represent that the website will be available without interruption and/or error-free.
7. Third-Party Content
The website may contain links to third-party websites or materials or description of services provided by external third parties. Specific information concerning such external third parties can be found in the service agreements or other material published by such service providers. The links provided on the website are meant for informative use only. If is not responsible or liable for any content, accuracy or availability of material produced or published by a third party, nor for any damage or loss arising from the use thereof, even if such material can be accessed through a potential link on these sites. Such third parties shall have to publish on their own sites, the information on them required by legislation, and If is not liable for any missing or inadequate information.
8. Intellectual Property Rights
Ownership, copyright and all other intellectual property rights in and to these websites, including its content, layout and design, belong to a company within the If Group, unless otherwise expressly stated. No rights or licences to the websites or their content are granted except as expressly stated herein.
No content or material from the website may be copied, reproduced, distributed, transmitted, published, modified or otherwise exploited without the prior written consent of the rights holder, except for storage on a computer or printing for personal, non-commercial use. Furthermore, no content or material may be used for development or training of AI models. Material may be quoted in accordance with the applicable copyright legislation, provided that the source is always indicated.
Trademarks or logos included on the website may not be reproduced, copied, published or otherwise distributed without If’s prior written consent.
The copyright in some content available on the website belongs to third parties. Users must check copyright notices on or in respect of such individual third party. Users having breached the Terms are responsible for any claim regarding infringement of third-party intellectual property rights as a result of the breach. Users shall defend or settle at its own expense any claim which may be brought against If for the alleged infringement of third-party intellectual property rights and the User shall indemnify and hold harmless If from and against all damages and costs that may be adjudged against If in respect of such infringement caused due to non-compliant use of the website or its parts thereof.
9. User’s Obligations
Users alone are accountable for ensuring any information or materials submitted through the website are accurate, complete, and lawful. By submitting content, Users confirm they are not providing anything illegal, infringing, offensive, or otherwise inappropriate via the site. Users must take all reasonable measures to ensure that submitted material does not contain viruses or is otherwise harmful.
Users agree that they will not use the website, or make any attempt to penetrate, modify or manipulate the website in order to:
- invade the privacy of, or obtain any personal information about, any If customer or other Users of the website;
- to interfere with any other party´s use of the website;
- reverse engineer any portion of the website;
- perform any action with the intent on introducing to the website any viruses, worms, defects, Trojan horses, malware or other destructive items; or
- interfere with or otherwise damage, disable, disrupt, impair, or overburden the website, its software, its servers or networks; or
- use it for any unlawful, unauthorized, fraudulent or malicious purpose.
When Users or their representatives utilise AI agents or services featuring agentic AI or comparable functionalities, all actions executed during the session are considered to be undertaken by the User or representative. This applies regardless of whether the AI agent acts erroneously or autonomously, including instances of screen scraping or any other prohibited use of website content and materials as described above.
If cannot reliably identify whether an act was executed by a User or by an AI agent. This includes, but is not limited to unlawful data retrieval, copying, reproduction, distribution, transmission, publishing, modification, data disclosures to third parties (including further data transfers to third countries and third parties by AI agent) or attempt to modify content or material on the website. Users are solely responsible for enabling or disabling such AI agents and for managing their access.
10. Personal Data
If is the controller of the personal data processed on the website. If processes personal data in accordance with applicable data protection legislation and insurance legislation, ensuring the protection of privacy and insurance confidentiality. Further information on the processing of personal data at If can be obtained from If’s Privacy Notice.
11. Cookies
If uses cookies and similar technologies to provide a secure online environment, to manage our marketing and provide a better online experience, track our website performance and to make our website content more relevant and to deliver services to customers. Read more about the use of cookies in Cookie Policy.
12. Supervisory Authority
If’s insurance operations are supervised by the Swedish Financial Supervisory Authority.
Swedish Financial Supervisory Authority
P.O. Box 7821
103 97 Stockholm, Sweden
13. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Norway.