We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:
Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible.
We use regular Malware Scanning.
We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it’s release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property or safety.
However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en
Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising Initiative Opt Out page or by using the Google Analytics Opt Out Browser add on.
When it comes to the collection of personal information from children under the age of 13 years old, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States’ consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.
If at any time you would like to unsubscribe from receiving future emails, you can email us at
and we will promptly remove you from ALL correspondence.
- Totalkapital AS undertakes debt collection cases for the client. Collection shall be conducted in accordance with Norwegian laws and regulations, fair debt collection practices and good interaction between Totalkapital and the Client. TheClient gives Totalkapital authorization to take appropriate legal action when necessary. Look at section 8 for Totalkapital’s receivables according to this agreement. VAT is calculated for receivables to Totalkapital against recovered funds.
- Before new cases is sent to Totalkapital the Clientmust send a collection warning letter to the debtor. Collectionwarning letter must be sent by ordinary mail with 14 days creditpursuant to the Debt Collection Act § 9. If the client demands a fee for the collection notice, then it has to be sent 14 days after its due date. Should a case be subject to objections or direct payments to the client, Totalkapital must be unsolicited and immediately notified. In the event of direct payments, misdirected cases, or cases that are pulled by the client, receivables will be deducted from other cases or billed directly to the client. Cases that are pulled for any reason or where the debtor goes bankrupt, comes in under debt settlement laws, or where the case is adjusted in the conciliation board the client will be charged in accordance with this agreement. It is mandatory for the client to meet in the conciliation board. Totalkapital can arrange meeting proxy in the conciliation board.
- When a case is solved, Totalkapital’s receivables will have the highest priority. Cases that cannot be resolved out of court will be sent to court. Cases that are not solved by the bailiff or by legal enforcement will be transferred to monitoring and incurred costs will be invoiced.
- Totalkapital enforces the applicable laws and regulations regarding privacy. Totalkapital is subject to the supervision of the Financial Services Authority and is a member of the Norwegian Debt Collectors Association, Virke Inkasso.
- Collection fees and court fees are adjusted regularly according to official prevailing rates.
- If upon reception of a case, or at a later date, information about possible violation to good business practice emerges, Totalkapital reserves the right to reject the case or terminate the case. Totalkapital’s accrued cost according to the price list will be charged to the Client. Disputes arising from this agreement shall be referred to the ordinary courts in Totalkapital’s jurisdiction.
- This agreement shall be signed by Totalkapital and Customer and has duration of 12 months. Renewal of this contract occurs automatically on the same terms and duration unless it is terminated 1 month before expiry of the term. There are no volume or size requirements on submitted cases.
|Service||Price for customer|
|Implementation costs||NOK 0,-|
|Annual fee||NOK 0,-|
|Access to Infosenter web||NOK 0,-|
|OCR updates / manual registrations||NOK 0,-|
|Resolving case out of court||0 % of principal amount and late interest fee paid by debtor.|
|Resolving case in court||0 % of principal amount and late interest fee paid by debtor.|
Court fees bailiff
Preparation of conciliation
complaint / petition
Preparation of conciliation
complaint / petition by
Preparation of a request to Bailiff
Meeting proxy in conciliation court
NOK 1 741,50,-
|Pulled cases / misdirected cases||Accrued costs|
|International cases||20 % of principal amount and PI|
|Cases put on monitoring||50 % of principal amount and PI|