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1. Introduction

Please read carefully this privacy policy. By using any service specified on our LocalMarket.no website you consent to comply with this Privacy Policy and Rules and Regulations regarding the use. If you do not accept it, you should immediately leave the website. Upon providing us with information about a third party you confirm that such third party was informed about our Privacy Policy, gave his consent for providing us with the information and accurately understood how his data will be used.

2. About LocalMarket.no

LocalMarket.no is owned and managed by companies such as Sjølyst Investors AS & Sjølyst Finans AS having their registered offices in Oslo, located at Karenslyst alle 4, 0278 Oslo, registered in the business register Brønnøysundregistrene under number 917778701, telephone:+47 90364496, e-mail post@localmarket.no. and NIC Media & Technology LTD having its registered office in London. We all take your privacy very seriously, and this policy explains how we will use the information about you and what steps we will take to ensure confidentiality of your information. This information should be read, and our terms and conditions for the use of services should be accepted each time.

3. What information do we collect?

Upon filling in one of the applications on the website, we collect personal information about you. For instance upon preparation of insurance offers or money products such as a credit card or consumer loan. While providing our service, we may also ask you to give additional information such as your bank account number or tax return. We may ask for personal information that are defined under data protection legislation as confidential. This is e.g. medical history or court ruling.

4. With whom do we share it?

The data may be made available to third parties such as our business clients, government agencies and other information providers and consumer reporting agencies – all such regulations are in line with the provisions of law and are subject to limitations. The partners we cooperate with are licensed agents offering various insurance services, banks, financial institutions dealing with credit cards, brokerage houses, mortgage lenders and mortgage initiators, non-financial companies such as retailers, direct marketing, public utilities and other specialists – suppliers of goods and services, non-financial companies providing products and services supplementary to LocalMarket.no services.

By providing us with such information, you give us your clear consent for processing such information by us and by our third party providers for the purposes specified in this Privacy Policy. If you want your data to disappear soon after receipt of offer, please write to us at any moment at post@localmarket.no. We may monitor or record phone connections, e-mails, text messages or other messages, but we will do it in compliance with the laws of Norway concerning data protection and other applicable provisions of law. Monitoring or recording will always be carried out for business purposes such as quality control and training purposes. In addition, we undertake to prevent or investigate criminal offences.

Please be informed that: If permitted by law on data protection and privacy, we may disclose information about you (including electronic identifiers such as IP addresses) to governmental authorities and law enforcement authorities. In the case of need of access to the information by any court, financial regulator, competition and market authority or any other regulating agency, in compliance with governmental regulations or law enforcement authorities. If the need arises, in connection with court proceedings or possible court proceedings. In connection with sales or potential sales of our activity, wholly or partially. If the information delivered to us turns to be false or inaccurate and indicates suspicion of fraud, it may be handed over to respective authorities in order to limit fraud or prevent money laundering.

5. By whom is it managed?

The data controller, in connection with processing personal information provided to us while using our services, are the companies Sjølyst Investors AS and Sjølyst Finans AS with their registered offices at Karenslystt alle 4, 0278 in Oslo, Norway. Should you have any questions regarding management of your personal data or other issues in connection with data protection, please contact our customer service department at post@localmarket.no.

6. Kind of data collected?

We need the information about your personal data only in order to provide you with access to products and services on LocalMarket.no and to use them. To personalize and improve aspects of our services; some information may be used for research such as analysis of market trends and customer demography. To communicate with you; by transmitting information about products and services in which, in our opinion, you may be interested in – it may include launching new products, newsletters and possibility to participate in market research.

7. How do we use the information about you?

We need the information about your personal data only in order to provide you with access to products and services on LocalMarket.no and to use them. To personalize and improve aspects of our services; some information may be used for research such as analysis of market trends and customer demography. To communicate with you; by transmitting information about products and services in which, in our opinion, you may be interested in – it may include launching new products, newsletters and possibility to participate in market research.

In order to provide this service, we may send the information about you to our business partners, however, it will require your approval stating that you agree that upon the consent of other trusted third parties we will be entitled to contact you (depending on contact preferences) by e-mail, mail, phone, text message or using other electronic means such as social media and digital media, in relation to products, services and other offers in which you might be interested. Each time you provide us with personal data, we are able to use and make available the information about you for marketing purposes. Unless you tell us otherwise, you give your consent for such use.

8. How do we protect your personal data?

To protect personal data against unauthorized access and use, we strive to use reasonable security measures. Such measures may include physical, electronic and procedural protection, such as computer security, secured files. We also try to limit access to personal information only to employees, agents and representatives who must have access to it. In spite of our endeavours, third parties may illegally seize or get access to your data or persuade you to disclose the information by introducing themselves as a representative of LocalMarket.no or providing false information about our products and services.

9. Marketing and external websites

All electronic marketing communications sent by us contain clear and brief instructions which should be followed. If you want to resign from subscription, you may do it any time. You may also change your marketing preferences, getting access to your personal data by emailing your request to us at post@localmarket.no. If you do not want third parties to contact you for marketing purposes, follow the instructions contained in the marketing notice or contact their privacy policy team to get further information about subscription cancellation.

10. Privacy of minors

Our website is not addressed to children under 16 years of age, with certain exceptions. The website may be linked to third party websites. LocalMarket.no is not liable for their contents and privacy policies. Some of our websites may contain cookies, which make it possible to remember preferences and personalize websites to the extent of displayed contents and matching advertising. Advertising on LocalMarket.no may use at least one third party advertising service provider to display advertising on third party websites to the users who might be interested in our products, services or promotions.

11. Your rights and obligations

You always have certain rights within provisions on personal data protection. For example, you will also obtain copies of personal data possessed by us, if you request so in writing. According to law, we may charge a fee of NOK 250 for a copy issued. If you want to ask a question or have any reservations as to the rights set out in this Privacy Policy, please contact us at post@localmarket.no, and we will make every effort to satisfy your needs. Each opinion or suggestion provided to us will be used as part of our programme – constant improvement. Please remember that it is your obligation to check and make sure that all information, materials or data provided by you in applications are correct, complete, accurate and not misleading and that they disclose all material facts.

12. Summary

This Privacy Policy shall be governed by and interpreted in every aspect in accordance with the laws of the Kingdom of Norway. We reserve the right to amend or modify it at any time, and any amendments shall be published forthwith on the website.

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