General terms for digital products

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These sales and delivery terms apply to the purchase of digital products at Saxo.com.
Saxo.com is owned by Saxo.com A / S, CVR no. 26933676, Rådhuspladsen 37, 1785 Copenhagen V , telephone 38 15 05 10 and e-mail address info@saxo.com.
Order
Saxo.com is open 24 hours a day and you can always shop, buy goods and use services. However, we may close the store due to maintenance. You can only make purchases when the store is open and accessible. To shop on Saxo.com you must be 18 years of age and in possession of a valid credit card. However, if you have not yet reached the age of 18, you can still buy goods if you have obtained your guardian's acceptance or otherwise have the legal right to conclude the purchase. You choose the items you want to buy and put them in the "Shopping Cart". You can right up to the actual purchase obligation ("Complete purchase") correct the contents of the shopping cart, and you can regularly check the contents and the price of the goods.
When you make an order, you will automatically receive a receipt for your order. Please note that the order confirmation is not a legally binding order confirmation. There is only an electronic receipt for receiving your order. We therefore reserve the right to cancel the order as a result of sold out items, errors, technical problems, delivery failures and the like. situations. When the goods are ready for you, you will receive an order confirmation with information about your order and about the right of return, the right of withdrawal and the right of complaint. Of course we only deduct the money for your order when we ship your order.
Prices
All prices are current sales prices incl. VAT. When delivered to addresses outside the EU, VAT is deducted automatically.
 
Payment
You can choose to pay in the following ways:
With card
Dankort, VISA / Dankort, VISA, VISA Electron, MasterCard / Eurocard, MobilePay or ViaBill. When you pay by card, Apple Pay, MobilePay or ViaBill, we will first raise the amount in your account when your goods are shipped from us. There is no payment fee.
You can choose to store your payment card information to make sure your future purchases are as easy as possible. In this case, your card information is stored encrypted by our payment provider. You can delete your payment card information at any time under your settings on "My Saxo".
When purchasing with ViaBill you will first receive your goods, and then the service falls monthly. The agreement on payment with ViaBill lapses when a purchase is canceled, cf. section 26 of the Consumer Contract Act, read more here: https://viabill.dk/hvad-er-viabill/.
In-app purchases
When buying goods or signing up for subscription services using Apple In-App-Payment, all payments and transactions will be handled directly through Apple's in-app purchase process.
 
Billing Customer
Companies and institutions can apply to act as an invoice customer.
It can only be traded as an invoice customer if a company is public (institution, school, etc.), a ApS or an A / S and has existed for a minimum of 2 years. If the company is set up as an invoice customer, the company's employees can buy through one common account. We reserve the right to refuse an application to become an invoice customer without further justification.
If you choose invoice as a form of payment, an invoice fee of DKK 19.95 will be added.
Gift card
If you have received a gift certificate for Saxo.com, you can use it as a form of payment at Saxo.com by choosing a gift card payment and providing the gift card code during the purchase process. If you have purchased a gift certificate via saxo.com this applies 1 year from the date of issue.
Reminder fee / interest
If payment is not made in time after the invoice / statement of account and a notice, a notice fee of DKK 100 is imposed. If no payment is made after the second notice, the claim for debt collection is passed and fees are imposed in accordance with the legislation. In case of late payment, interest is also imposed according to the provisions of the Interest Act.
Discounts
We provide discounts to all customers in the form of different campaigns. If there is a discount on a product, the discount will already be deducted from the price shown on the site. That way, the price you see is always "Your Price". This follows current guidelines from the Consumer Ombudsman.
Customer prices for large purchases
If you as a company or public institution have a large purchase, we can give you a favorable discount.
Note! Discounts cannot be combined with special offers and other discounts. In addition, the return and cancellation right waives when you negotiate a special price.
Delivery
E-books and audiobooks for download are delivered via an e-mail containing a download link. You first receive your order confirmation and then your order confirmation, which contains a link from which you can download your product. Delivery is via e-mail.
The delivery time for digital products is a maximum of 5 minutes, depending on how fast the email with the link reaches your mailbox.
Watermarking of digital products
Digital watermarking is a way of protecting copyrighted material. When you buy and download e-books and audiobooks through Saxo.com, the files are stamped with a digital watermark. The watermark consists of information in the file containing your order number. The watermark does not affect the file format and does not complicate the download or use of the files. The watermark documents that the files you download belong to you. All copying, in addition to your private use, and further improper distribution is prohibited. You are solely responsible for ensuring that the files are not distributed to other users and for backup purposes. If
your files go astray and eg end up on a file sharing site, we can find your order number using a decoder. The watermarking continues even though the file is dubbed from one device to another.
Cancellation
There is no right of withdrawal on e-books, audiobooks for download, if the link is clicked and the download has begun. If the link is not clicked, we offer a 30-day return policy on digital goods.
How to exercise the right of withdrawal
You regret by notifying us that you regret. For example, you can send an email informing you that you regret, to info@saxo.com . You can use the following withdrawal form.
The cancellation deadline is complied with if you send your notice that you regret the purchase before the withdrawal period has expired.
Return of goods and return costs
Digital goods are not returned but made inaccessible to all parties. If an agreement has been reached that the product must be returned to Saxo.com, it is Saxo.com's responsibility to deactivate the digital product.
Refunds
When you cancel your purchase, we will refund all payments received from you. We will refund the amount without undue delay and in any case within 14 days from the date we received your cancellation notice. We will make such a refund with the same payment method you used in the original transaction unless you have explicitly agreed otherwise. In any case, you will not be charged any fees due to the refund.
Testing the item
There is no right of withdrawal on digital goods that have been tested by clicking on the download link.
Complaint - If something is wrong with the item
Your purchase of covered by the Buying Act. This means that you can either get a defective item repaired, exchanged, money back or rejection of the price, depending on the specific situation. It is a requirement that the complaint is justified and that the defect has not arisen as a result of an incorrect use of the product or other damaging behavior.
You must advertise within "reasonable time" after you have discovered the defect in the item. We recommend that you advertise as soon as possible. You can advertise by contacting us via email info@saxo.com or by email . telephone (+45) 38 15 05 10. Depending on the specific situation, you will receive the further instructions.
 
Rights
The access to the product entitles you to, within the limits of the law, use the purchased products for personal, non-commercial purposes, but not for resale, transfer, transfer or sub-licensing. You agree not to attempt, encourage, or assist any other person to circumvent any security technology or software or interfere
with, remove or alter any rights management information regarding the purchased products. Actions contrary to the above rights may result in prosecution.
System Requirements
The use of e-books, audiobooks for download presupposes that the user possesses equipment with Internet access and possibly special software, which may incur special expenses for the user. The use may require you to occasionally update or upgrade software and hardware. You acknowledge and agree that such system requirements, which may be amended from time to time, are your own responsibility. It is the customer's own responsibility to purchase the internet or data subscription to enable the streaming of digital content.
DRM copy-protected e-books
The first time a DRM copy-protected e-book opens, it must be authorized with an Adobe ID. It is your responsibility that you have created an Adobe ID and that the application or device on which the ebook is to be read is authorized by this Adobe ID. DRM-protected e-books can be opened in six different devices, which must be authorized by the same Adobe ID. The link to download English e-books expires after two years. If the e-book is not stored locally on a computer, Saxo.com cannot generate a new link.
Privacy Policy Read our privacy policy here . The data manager at Saxo.com is Peder Skjalm Lissner.
Cookies
By using Saxo.com you agree that we use cookies. A cookie is a small data file that we put on your computer to keep track of what is happening during your visit and to recognize the computer. A cookie is not a program and does not contain viruses. Read more about which cookies are used on Saxo.com, and how you delete cookies here .
Donations
Donations to UNICEF are non-refundable. Returning an item purchased with a donation will only refund the amount of the item.
Information on remedies available
A complaint about a product or service purchased from us can be submitted to the Danish Competition and Consumer Agency's Center for Complaints, the Names' House, Toldboden 2, 8800 Viborg . You can appeal to the Center for Complaints Solution via www.naevneneshus.dk .
The EU Commission's online complaint portal can also be used for filing a complaint. This is particularly relevant if you are a consumer resident in another EU country. Appeals shall be submitted here: http://ec.europa.eu/ od r. By filing a complaint, enter our email address info@saxo.com.