Terms and Conditions

1. About Vettugt

Vettugt ("we," "us," or "our") is a comparison website operated by IFTEC AS (organisation number 938 167 397), Norway. It helps consumers compare loans, insurance, electricity, mobile and broadband offers from third-party providers ("Lenders" and "Providers"). We operate solely as an information and referral service. We do not provide loans, credit, or any other financial product, and we are not a bank, lender, credit broker, or financial adviser regulated under Norwegian or EU financial services law. We do not give financial advice or personal recommendations.

2. Acceptance of Terms

By accessing or using our website at vettugt.no (the "Site"), submitting a loan enquiry, or clicking through to a Lender, you agree to be bound by these Terms & Conditions in full. If you do not agree, please stop using the Site immediately.

3. We Are a Comparison and Referral Service Only

Vettugt aggregates and presents loan product information supplied by Lenders. We do not guarantee approval, rates, or terms for any loan. All rates displayed are indicative only and may differ from the rate offered to you personally by a Lender based on your individual creditworthiness, income, and other factors.

When you click "Apply Now" you are redirected to the Lender's own platform. Any application you submit, contract you sign, or loan you receive is entered into solely with that Lender. Vettugt is not a party to any such agreement.

4. Affiliate Relationships & Commercial Disclosure

Vettugt may or may not earn a referral commission from Lenders and Providers when you click through to their website or apply for a product. Any commission is paid by the Lender or Provider and does not increase the price or change the terms offered to you. The order in which offers appear may be influenced by commercial arrangements; the "Featured" label indicates a commercially promoted placement.

5. No Financial Advice

Vettugt is not a financial adviser. Nothing on the Site constitutes financial, legal, tax, insurance, or investment advice, or a recommendation to take out any product. Information is provided for general informational purposes only. You should seek independent professional advice before entering into any financial commitment.

6. Limitation of Liability

To the fullest extent permitted by applicable law, Vettugt and its directors, employees, and affiliates expressly exclude all liability for:

Any direct, indirect, incidental, consequential, or special loss or damage arising from your use of the Site or reliance on information displayed on it;
Any decision made by a Lender or Provider, including refusal, terms offered, or interest rates applied;
Errors, inaccuracies, or omissions in the rate or product information provided by Lenders;
Interruption, suspension, or unavailability of the Site;
Unauthorised access to or alteration of your data by third parties, beyond what we can reasonably prevent.

Where liability cannot be excluded by law (for example, under mandatory consumer protection provisions), our total cumulative liability to you shall not exceed NOK 1,000 or the amount you paid us for a service, whichever is higher. We do not exclude liability for death or personal injury caused by our negligence, or for intent, gross negligence, or fraud.

7. Accuracy of Information

We make reasonable efforts to keep information accurate and up to date. However, loan products change frequently and we cannot guarantee that all information is current at any given moment. You should verify all product details directly with the relevant Lender before applying.

8. Eligibility

The Site is intended for use by adults (18+) who are resident in Norway. By using the Site, you confirm that you meet these requirements. Vettugt accepts no liability for use of the Site by persons who do not meet the eligibility criteria.

9. Third-Party Links

The Site contains links to Lender websites. These links are provided for your convenience. Vettugt has no control over the content, privacy practices, or terms of those websites and accepts no responsibility for them.

10. Intellectual Property

All content, trademarks, and materials on the Site are owned by or licensed to Vettugt. You may not reproduce, distribute, or create derivative works without our prior written consent.

11. Changes to These Terms

We may update these Terms at any time. Changes become effective when posted on this page. Continued use of the Site after any change constitutes your acceptance of the revised Terms. The "Last updated" date at the top of this page indicates when the current version was published.

12. Governing Law & Dispute Resolution

These Terms are governed by Norwegian law. Any dispute arising out of or in connection with these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the Norwegian courts. If you are a consumer, you may also have the right to bring a complaint before the Norwegian Financial Services Complaints Board (Finansklagenemnda) or use the EU Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

13. Contact

If you have questions about these Terms, please contact us at legal@vettugt.no.