We apply general terms
and conditions for our services

These general conditions (the Conditions) have been drawn up to lay the foundation for a good and well-functioning collaboration between Ganthor AB and our customers.

The terms and conditions apply between Ganthor AB, registration no. 559112-3772, (the Company) and the client, both natural and legal person, (the Customer) who has given the Company a power of attorney to represent the Customer.

The conditions also apply, where applicable, in relation to an employee of a Customer of the Company who receives advice or other services from the Company.

The company offers from time to time other additional services or specific conditions to the Customer. The additional services and/or the specific conditions are set out in the agreement with the Customer (Assignment Agreement).

In the case of mutual interpretation between the Assignment Agreement and the Terms and Conditions, the Assignment Agreement shall take precedence over the Terms and Conditions.

In the case of mutual interpretation between the Assignment Agreement and the Terms and Conditions, the Assignment Agreement shall take precedence over the Terms and Conditions.

The company must carry out its mission in accordance with the Act (2018:1219) on insurance distribution and carefully and in compliance with good insurance distribution practice analyze and prepare suitable insurance solutions for the Customer, draw up procurement documentation for this, obtain and evaluate quotations from insurance companies, recommend the Customer's choice of insurer and follow up and update the policies during the insurance year (Assignment).

For the fulfillment of the Assignment, the Company is authorized to represent the Customer according to a written, both physical and digital, power of attorney.

The customer undertakes to

to the Company, without delay and in the agreed manner, provide correct and up-to-date information in order for the Company to be able to fulfill its obligations according to the Terms, as well as, where applicable,

continuously, to the Company, provide information regarding, for example, new hires, salary changes, leave of absence, parental leave, sick reports, health reports, resignations, income, family picture, change of employer as well as other information that is relevant for the Assignment to be fulfilled, and

immediately notify the Company of such errors or deficiencies that the Customer discovers in insurance documents, advisory documentation or other documents.

The company undertakes to provide staff or a consultant who, during the assignment period, must carry out the Assignment according to the Terms.

The company must maintain liability insurance in accordance with what is required by law.

The customer appoints, on the recommendation of the Company, the insurer with which the insurance contract is to be entered into. The company can, where appropriate, as agent for the Customer, enter into an insurance contract with the insurer with the support of a power of attorney obtained.

The company receives compensation for its Assignment either through a fee from the Customer or through a commission from the insurer.

In the event that the Company charges a fee from the Customer for distribution of the insurance, the Company will send the Customer an invoice as agreed.

In the event that the Customer takes out an insurance policy with an insurer that pays a commission to the Company, the Company and the Customer may agree that the Company shall be reimbursed with that commission for the distribution.

For services that are not insurance distribution, the Company must additionally invoice the Customer according to a separate agreement.

If the Company intentionally or negligently disregards its obligations according to law (2018:1219) on insurance distribution, it is liable for compensation for damage, which thereby affects the Customer.

In the event that the Customer has a claim for compensation due to an incorrectly performed assignment, the claim must be notified to the Company within a reasonable time after the error has been noticed or should have been noticed by the Customer. If this is neglected, the right to speak is lost.

The Company is not responsible for damage or loss, which has arisen as a result of the Customer disregarding his obligations according to the Terms, providing incorrect or incomplete information to the Company, failing or being late in providing the Company with information for obtaining recommended insurance cover or being in delay with payment of premiums.

The customer must take particular account of the due date of the insurance contract and the insurances entered into therein and ensure that the premium is paid in time. If the premium is not paid in time, Version March 2023 [ Ganthor AB – Stortorget 23 – 211 34 Malmö – 040-616 40 90 – info@ganthor.se – www.ganthor.se ] 2 of 3 the insurance may cease to apply according to the conditions which applies between the Customer and the insurer.

The Company bears no responsibility for errors or deficiencies in the current insurance agreement or for resulting damage/loss or indirect damage/loss, which occurred before the Company has been given the opportunity, within a reasonable time from the date of entry into force of the Terms and Conditions, to make the necessary changes in applicable insurance contract.

The services that the Company provides do not include assessments of any tax consequences that arise in the execution of the Assignment or otherwise due to these Terms. The company thus assumes no responsibility for any tax consequences that arise in the performance of the Assignment or otherwise due to these Terms or the performance of services in accordance with these Terms.

The Customer has the right to cancel the Assignment and thereby revoke the power of attorney if the Company substantially disregards its commitment according to the Terms and Conditions.

If the Customer unjustifiably cancels the Assignment and revokes the power of attorney before or after the insurance has been distributed, compensation must be paid to the Company in the manner specified in point 14 below.

The company has the right to cancel the Assignment and thereby waive the Terms and Conditions, if

The customer does not fulfill his obligations according to the Terms, or

The customer requests services with the implication that the Company must comply with the requirement of good insurance distribution practice.

When the Assignment is canceled by the Customer or when the Company cancels the Assignment and resigns from the Terms and Conditions, the power of attorney also ceases to apply with immediate effect.

If the Customer only revokes the power of attorney after the insurance has been distributed, without the Customer thereby canceling the Assignment, the Terms cease to apply with immediate effect. The company is then entitled to compensation according to point 6 above during the assignment period specified in point 22.

If the Customer only revokes the power of attorney before the insurance has been brokered, without the Customer thereby canceling the Assignment, the Terms cease to apply with immediate effect. The company is then entitled to compensation according to point 14 below.

Power of attorney, which has been revoked or has ceased to be valid due to the end of the Assignment, must be handed over to the Customer without delay, where applicable. The company must notify the insurer of this as soon as possible.

If the Company has substantially neglected its obligations, the Company is not entitled to compensation for work performed, even if an agreement on such compensation has been entered into.

If the Customer unjustifiably cancels the Assignment or revokes the power of attorney before the insurance has had time to be distributed or renewed by the Company, thereby depriving the Company of its right to collect commission, the Company has the right to receive compensation from the Customer for work performed at SEK 1,250 per hour plus compensation for costs and expenses incurred by the Company in connection with the Assignment.

In the event that the Customer unjustifiably cancels the Assignment or revokes the power of attorney after the insurance has been placed by the Company, but before the agreed renewal of the insurance has had time to be distributed by the Company, the Company is entitled to compensation for the costs that the Company has demonstrably incurred due to the Assignment, unless otherwise agreed between the parties in connection with the Customer canceling the Assignment or revoking the power of attorney.

An insurance-based investment product is an insurance with a maturity or redemption value that is fully or partially directly or indirectly exposed to market volatility, with the exception of non-life insurance, life insurance where compensation according to the contract is only paid in the event of death or in the event of disability as a result of injury, illness or functional impairment , and pension insurance. An insurance-based investment product is, for example, capital insurance (fund or deposit insurance) in which the Customer can invest in various financial products.

The Company will annually provide the Customer with a report on the services and transactions carried out during the reporting period with an account of the total costs and the value of the underlying assets. When creating the report, the Company is dependent on information from the insurers and other suppliers of services and products that the Customer signs contracts with through the Company. Power of attorney, which has been revoked or has ceased to be valid due to the end of the Assignment, must be handed over to the Customer without delay, where applicable. The company must notify the insurer of this as soon as possible.

Unless otherwise agreed, the Company will not regularly assess the suitability of the insurance-based investment products recommended to the Customer.

What is said about insurance-based investment products above also applies to pension insurance that has a maturity or redemption value that is fully or partially directly or indirectly exposed to market volatility in accordance with the Act (2018:1219) on insurance distribution.

Investing in financial instruments always involves a risk of the investment falling in value. The higher the risk the customer is prepared to take, the greater the risk of major losses. At the same time, a higher risk also means an opportunity for a higher return. For all investments in securities in the Customer's insurance policies, it is important that the Customer understands the characteristics and risks of the security(s) that the Customer purchases. In cases where the Customer receives advice on the securities included in the Customer's insurance, the Company will provide additional information on the characteristics and risks of the financial instruments.

All communication takes place in Swedish. All documentation and information the customer receives will be in Swedish.

Communication takes place via the Customer's customer portal. Communication can also take place via e-mail, letter or phone. It is the Customer's responsibility to notify the Company if the Customer changes e-mail address, postal address or telephone number.

The customer has the right to receive certain information in connection with insurance distribution and advice. The Customer will receive this information personally on their customer portal. The customer always has the right to request to receive the information free of charge in a paper document.

By stating their email address, either in connection with the entry into force of the Terms or at another time in connection Ganthor AB – Stortorget 23 – 211 34 Malmö – 040-616 40 90 – info@ganthor.se – www.ganthor.se with insurance distribution, for registration in the Company's system, the Customer agrees that the Company may communicate with the Customer electronically.

Messages sent to the Customer's customer portal or via other electronic communication shall be deemed to have reached the Customer at the time of dispatch if they were sent to the number or electronic address provided by the Customer. If such a message reaches the Customer during non-normal office hours, the message shall be deemed to have reached the Customer at the beginning of the following weekday.

Messages sent from the Company by registered letter or ordinary letter shall be deemed to have reached the Customer no later than the fifth business day after dispatch, if the letter is sent to the address provided by the Customer.

Messages from the Customer to the Company must be sent to the address specified in the pre-purchase information the Customer has received, unless a response has been requested to a different address. Notifications from the Customer shall be deemed to have reached the Company on the day the notification arrives at the aforementioned address.

The company must observe and maintain confidentiality with regard to the assignment and collected information and may not disclose such collected information without authorization.

Documents with confidential information must be stored in a safe manner.

For information about the Company's processing of personal data, please refer to the Company's privacy policy, which is available on the Customer's customer portal or on the Company's website.

The assignment applies from the date on which the Terms and Conditions enter into force as described below. The assignment is then extended for a period of 12 months at a time, unless the assignment is terminated in writing before then, but no later than 3 months before the end of the current assignment period.

The terms and conditions enter into force at the time the Customer signs a power of attorney according to point 2.2 or the time the Assignment Agreement enters into force.

When the Assignment has been terminated and the Terms and Conditions have ceased to apply, the power of attorney also ceases to apply with immediate effect.

Changes to the Terms and Conditions shall have effect vis-à-vis the Customer from and including the thirtieth calendar day after the Customer is deemed to have received the notification of the change in accordance with point 19. If the Customer does not accept the change, the Customer has the right to terminate the Assignment until termination.

The company is not obliged to take measures other than those specified in the Terms and Conditions, unless a special agreement has been entered into regarding this. What is expressly stated in such special agreement shall apply before these Terms.

Interpretation and application of the Terms shall take place in accordance with Swedish law.

Disputes concerning the interpretation and application of these Terms and Conditions shall be settled by a general court.