Ökuvísir Terms and Conditions

1. Terms and conditions
   
   1.1. Ökuvísir consists of an app that the policyholder needs to install in his/her smart device, a telematics device that the policyholder needs to install in the insured vehicle, and the vehicle insurance of the insured vehicle. The app and the telematics device are subject to these terms and conditions, which the policyholder and/or other users agree to when logging in and using the app.
   
   1.2. The Ökuvísir app can be tried for 14 days free of charge before a decision is made to purchase vehicle insurance through the app.
   
   1.3. Policyholders who choose to insure their vehicle through Ökuvísir get access to and use of the app and the telematics device free of charge for themselves and other users of the vehicle.
   
   1.4. A prerequisite for being able to conclude and perform an agreement for Ökuvísir is that decisions on premiums and the issuance of insurance are made through automatic decision-making, including with the creation of a personal profile. Automatic decision-making on the issuance of insurance is based on information on possible defaults and disputes regarding insurance claims against VIS, and automatic decision-making on prices is based on the base premium and variable factors that can reduce the base premium. Variable factors are determined by information on the driving rating and the kilometres driven over a period of one month. Policyholders can always request further information about the results of the automatic decision-making, object to it and have an employee of VIS review or re-evaluate it by contacting us at vis@vis.is or by calling 560 5000.
   
   1.5. The Company's insurance terms for compulsory vehicle insurance and comprehensive vehicle insurance as current at any given time apply to Ökuvísir and are considered part of these terms and conditions. Ökuvísir is also subject to the Ökuvísir Privacy Policy, the Company's common terms and its general terms and conditions, which can be found on the VIS website, www.vis.is, together with the terms of the insurance itself.
   
2. Information about the service provider
   
   2.1. Ökuvísir is an insurance program offered by VIS and the telematics device and the app are the property of VIS. VIS operates in accordance with Act No. 100/2016 on Insurance Activities, and is authorised and regulated by the Icelandic Financial Supervisory Authority in accordance with Act No. 87/1998 on Official Supervision of Financial Activities.
   
3. Activation and identification
   
   3.1. Users log in to the app using electronic ID. Log-ins are valid for 30 days. If users log out of the app, they need to log in again in the same way.
   
4. Security
   
   4.1. Information about the journeys of the policyholder and/or other users of the insured vehicle is stored in the smart devices of the policyholder and those users who have access to the app, in the internal systems of VIS and with Cambridge Mobile Telematics (hereinafter "CMT" or the "service provider"), a service provider of VIS. CMT provides services in the field of telecommunications and information technology and measurements in the app and the telematics device are based on CMT's technical solution. CMT receives and stores measurements from the policyholder's phone and the telematics device using pseudonymisation and calculates the driving rating.
   
   4.2. Information stored in a smart device is protected by the security measures available on that device. VIS stores information on the driving rating, kilometres driven and raw data. All raw data is encrypted and stored by means of pseudonymisation in the internal systems of VIS. Data stored in the service provider's internal systems and all communications between the internal systems and mobile phones are also encrypted and stored by means of pseudonymisation.
   
   4.3. In order to be able to provide the services available in Ökuvísir, it is necessary to process various types of personal data. Further information on the handling, storage and processing of personal data and rights under the Icelandic Data Protection Act, e.g. the right to access such data, can be found in the Ökuvísir Privacy Policy.
   
   4.4. To increase the security of using the app, keep the following in mind when downloading and installing the app on a smart device:
   
   a. Download the app only from Apple via the App Store or from Google via the Play Store.
   b. Do not install the app on a smart device with an operating system that has been modified with, for instance, a so-called "jailbreak" or other similar modifications.
   c. Install the app only on smart devices owned or legally possessed by the policyholder and/or other users.
   d. Do not make changes, or have changes made, to the app or related software.
   e. Do not use the app to store or distribute illegal, harmful or defamatory content or content owned by a third party.
   f. Do not use the app to attempt to unlawfully access, destroy or appropriate secretly other persons' data or software.
   g. Do not disturb or interfere with the functionality of any service, API or hardware.
   h. Use the telematics device only in accordance with the instructions for its use. The instructions for using the telematics device can be found in the app, on the VIS website at www.vis.is and in the box in which the telematics device arrives.
   i. Do not attempt to access the telematics device's service, API or hardware for the purpose of creating a comparable device to use in competition with Ökuvísir or CMT.
   
   4.5. If the above instructions are not complied with or if the smart device or telematics device are interfered with in such a way that their security has been compromised in some way, such as with the installation of a dubious program, the use of the app is not secure and therefore not permitted.
   
5. Obligations of VIS and services in Ökuvísir
   
   5.1. VIS undertakes to provide the policyholder and/or other users of Ökuvísir with access to an app and a telematics device that measure and track their driving behaviour.
   
   5.2. In the app, VIS shall display a map of journeys taken in the vehicle, information on driving behaviour, tips on how to improve driving behaviour and incentives to drive better.
   
   5.3. VIS shall ensure the right to object in a simple and accessible manner through the app.
   
   5.4. VIS shall ensure that the policyholder and/or other users can obtain an explanation of the driving rating in a simple and transparent manner in the app.
   
   5.5. VIS undertakes to provide clear reasoning for the decision on ratings and discounts and to correct and update those decisions as needed.
   
   5.6. VIS undertakes not to use personal data for any purpose other than as stated in the Ökuvísir Privacy Policy.
   
6. Obligations and responsibilities of the policyholder and other users
   
   6.1. The policyholder and/or other users are responsible for taking the necessary precautions to safeguard the security authentication credentials used to log into the app and the smart device.
   
   6.2. The policyholder and/or other users are responsible for safeguarding everything related to security credentials in a secure manner and for ensuring that access credentials are not obtained by unauthorised persons or are accessible to others. Information regarding personalised security credentials may not under any circumstances be shared, including pin number and electronic ID.
   
   6.3. If the policyholder and/or other users have reason to believe that an unauthorised person has obtained their information, VIS must be notified as soon as possible.
   
   6.4. To ensure the security of the information contained in the app, VIS recommends activating locks in the smart device and using and updating the smart device in accordance with the manufacturer's security instructions.
   
   6.5. Policyholders and/or other users using a smart device with an Android operating system should use a pin code, fingerprint scanner or face scanner when logging in to the smart device.
   
   6.6. The use of personalised security credentials always constitutes a signature. Failure to safeguard personalised security credentials in accordance with the above is considered gross negligence.
   
   6.7. If other persons use the vehicle, the policyholder is obliged to place a sticker informing about Ökuvísir in a prominent location in the vehicle and specifically inform other drivers about Ökuvísir. The sticker will be sent to the policyholder at the same time as the telematics device.
   
   6.8. By using Ökuvísir, the policyholder and/or other users get access to advice on how to improve their driving and a rating based on how safe their driving is. The policyholder and/or other users are fully responsible for the use of the app and the telematics device and that the driving and use of the vehicle is in accordance with applicable laws and regulations.
   
   6.9. If the smart device on which the app has been downloaded is sold or otherwise transferred to others, the app must first be removed from the smart device.
   
   6.10. If the vehicle is sold during the term of the insurance contract or at the end of the contract, the Ökuvísir telematics device shall be removed from the vehicle and surrendered to VIS or at the nearest disposal site for destruction.
   
7. Rights, disclaimers and limitation of liability
   
   7.1. The app may not be modified or copied. VIS or a third party owns the copyright, trademark and other intangible rights related to the app.
   
   7.2. VIS is not responsible for the use of the app or for any damage that the use of the app may cause.
   
   7.3. VIS cannot guarantee continuous and uninterrupted access to the app. The app is generally available 24 hours a day, 7 days a week. However, there is a possibility that access to the app or the app's access to the systems of VIS or the service provider will be temporarily interrupted due to an update, maintenance, service outage, interruption or other similar reasons.
   
   7.4. VIS will as far as possible announce service interruptions in advance on its website. However, VIS is not obliged to report disruptions to services that are short-term and minor or caused by security breaches or other unexpected or uncontrollable reasons.
   
   7.5. If the policyholder and/or other users violate these terms and conditions or other agreed terms, VIS may block access to the app. The same applies if the policyholder and/or users are found to have misused or attempted to misuse information that is accessible in the app or the system itself.
   
8. Notices, changes and entry into force
   
   8.1. VIS reserves the right to change these terms and conditions. VIS may publish notices of changes to the terms and conditions through general notifications in the app, on the VIS website, and/or via e-mail or other electronic means.
   
   8.2. VIS may add to or change the terms and conditions at any time and these changes will take effect without prior notice if they are to the benefit of the policyholder and/or users. If the changes are not to the benefit of the policyholder and/or users, they will take effect with one month's notice.
   
   8.3. If the policyholder and/or users do not agree to a change in these terms and conditions, they can terminate their business with the Company.
   
   8.4. These terms and conditions are standard and may not be changed by the policyholder and/or users. Any endorsements, deletions, additions and other changes made to them have no effect for VIS.

These terms and conditions are effective as of 1 January 2021.