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00-.277-.417z' fill='%23DB1F35' fill-rule='nonzero'/%3E%3Cpath fill='url(%23c)' d='M-.002 9h9v6h3V9h9V6h-9V0h-3v6h-9z'/%3E%3C/g%3E%3C/svg%3E" alt="English" /></span></a></li></ul></nav> </div> </div> </div> </div> </div> </div> </div> </section> <section data-dce-background-color="#FCFCFC" class="elementor-section elementor-top-section elementor-element elementor-element-4dbfd17 elementor-hidden-desktop cpel-lv--yes elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="4dbfd17" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-row"> <div class="elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-53d6bc1" data-id="53d6bc1" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element 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data-settings="{"padding_horizontal_menu_item_mobile":{"unit":"px","size":0,"sizes":[]},"padding_vertical_menu_item_mobile":{"unit":"px","size":0,"sizes":[]},"padding_horizontal_menu_item":{"unit":"px","size":15,"sizes":[]},"padding_horizontal_menu_item_tablet":{"unit":"px","size":"","sizes":[]},"padding_vertical_menu_item":{"unit":"px","size":15,"sizes":[]},"padding_vertical_menu_item_tablet":{"unit":"px","size":"","sizes":[]},"menu_space_between":{"unit":"px","size":"","sizes":[]},"menu_space_between_tablet":{"unit":"px","size":"","sizes":[]},"menu_space_between_mobile":{"unit":"px","size":"","sizes":[]},"menu_row_space":{"unit":"px","size":"","sizes":[]},"menu_row_space_tablet":{"unit":"px","size":"","sizes":[]},"menu_row_space_mobile":{"unit":"px","size":"","sizes":[]},"dropdown_border_radius":{"unit":"px","top":"","right":"","bottom":"","left":"","isLinked":true},"dropdown_border_radius_tablet":{"unit":"px","top":"","right":"","bottom":"","left":"","isLinked":true},"dropdown_border_radius_mobile":{"unit":"px","top":"","right":"","bottom":"","left":"","isLinked":true},"width_dropdown_item":{"unit":"px","size":"220","sizes":[]},"width_dropdown_item_tablet":{"unit":"px","size":"","sizes":[]},"width_dropdown_item_mobile":{"unit":"px","size":"","sizes":[]},"padding_horizontal_dropdown_item":{"unit":"px","size":"","sizes":[]},"padding_horizontal_dropdown_item_tablet":{"unit":"px","size":"","sizes":[]},"padding_horizontal_dropdown_item_mobile":{"unit":"px","size":"","sizes":[]},"padding_vertical_dropdown_item":{"unit":"px","size":15,"sizes":[]},"padding_vertical_dropdown_item_tablet":{"unit":"px","size":"","sizes":[]},"padding_vertical_dropdown_item_mobile":{"unit":"px","size":"","sizes":[]},"distance_from_menu":{"unit":"px","size":"","sizes":[]},"distance_from_menu_tablet":{"unit":"px","size":"","sizes":[]},"distance_from_menu_mobile":{"unit":"px","size":"","sizes":[]},"toggle_size":{"unit":"px","size":"","sizes":[]},"toggle_size_tablet":{"unit":"px","size":"","sizes":[]},"toggle_size_mobile":{"unit":"px","size":"","sizes":[]},"toggle_border_width":{"unit":"px","size":"","sizes":[]},"toggle_border_width_tablet":{"unit":"px","size":"","sizes":[]},"toggle_border_width_mobile":{"unit":"px","size":"","sizes":[]},"toggle_border_radius":{"unit":"px","size":"","sizes":[]},"toggle_border_radius_tablet":{"unit":"px","size":"","sizes":[]},"toggle_border_radius_mobile":{"unit":"px","size":"","sizes":[]}}" data-widget_type="navigation-menu.default"> <div class="elementor-widget-container"> <div class="hfe-nav-menu hfe-layout-horizontal hfe-nav-menu-layout horizontal hfe-pointer__none" data-layout="horizontal"> <div class="hfe-nav-menu__toggle elementor-clickable"> <div class="hfe-nav-menu-icon"> <i aria-hidden="true" tabindex="0" class="fas fa-bars"></i> </div> </div> <nav class="hfe-nav-menu__layout-horizontal hfe-nav-menu__submenu-arrow" data-toggle-icon="<i aria-hidden="true" tabindex="0" class="fas fa-bars"></i>" data-close-icon="<i aria-hidden="true" tabindex="0" class="far fa-window-close"></i>" data-full-width="yes"><ul id="menu-1-6e00b9a" class="hfe-nav-menu"><li id="menu-item-539" class="menu-item menu-item-type-custom menu-item-object-custom current-menu-item parent hfe-creative-menu"><a href="https://tvf.is" class = "hfe-menu-item">Heim</a></li> <li id="menu-item-540" class="menu-item menu-item-type-custom menu-item-object-custom current-menu-item parent hfe-creative-menu"><a href="https://tvf.is/#about2" class = "hfe-menu-item">Um sjóðinn</a></li> <li id="menu-item-541" class="menu-item menu-item-type-custom menu-item-object-custom current-menu-item parent hfe-creative-menu"><a href="https://tvf.is/#legislation" class = "hfe-menu-item">Tilvísun í lög</a></li> <li id="menu-item-1447" class="menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu"><a href="https://tvf.is/utgreidslur/" class = "hfe-menu-item">Útgreiðslur</a></li> <li id="menu-item-542" class="menu-item menu-item-type-custom menu-item-object-custom current-menu-item parent hfe-creative-menu"><a href="https://tvf.is/#decision-on-payment" class = "hfe-menu-item">Iðgjöld</a></li> </ul></nav> </div> </div> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </header> <div data-elementor-type="wp-page" data-elementor-id="266" data-post-id="266" data-obj-id="266" class="elementor elementor-266 dce-elementor-post-266"> <div class="elementor-inner"> <div class="elementor-section-wrap"> <section class="elementor-section elementor-top-section elementor-element elementor-element-25a83fd elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="25a83fd" data-element_type="section" id="about0"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-row"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bb32f33" data-id="bb32f33" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div data-dce-background-image-url="https://tif.abroncloud.com/wp-content/uploads/2022/07/Rectangle-1.png" class="elementor-element elementor-element-92b1572 elementor--v-position-bottom elementor--h-position-left elementor-arrows-position-inside elementor-widget elementor-widget-slides" data-id="92b1572" data-element_type="widget" data-settings="{"navigation":"arrows","transition":"fade","transition_speed":700,"autoplay":"yes","pause_on_hover":"yes","pause_on_interaction":"yes","autoplay_speed":5000,"infinite":"yes"}" data-widget_type="slides.default"> <div class="elementor-widget-container"> <div class="elementor-swiper"> <div class="elementor-slides-wrapper elementor-main-swiper swiper-container" dir="ltr" data-animation=""> <div class="swiper-wrapper elementor-slides"> <div class="elementor-repeater-item-2810df1 swiper-slide"><div class="swiper-slide-bg"></div><div class="elementor-background-overlay"></div><div class="swiper-slide-inner" ><div class="swiper-slide-contents"></div></div></div><div class="elementor-repeater-item-bf96baf swiper-slide"><div class="swiper-slide-bg"></div><div class="elementor-background-overlay"></div><div class="swiper-slide-inner" ><div class="swiper-slide-contents"></div></div></div><div class="elementor-repeater-item-0934136 swiper-slide"><div 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class="elementor-screen-only">Previous</span> </div> <div class="elementor-swiper-button elementor-swiper-button-next"> <i aria-hidden="true" class="eicon-chevron-right"></i> <span class="elementor-screen-only">Next</span> </div> </div> </div> </div> </div> <div class="elementor-element elementor-element-6abd736 elementor-widget__width-initial elementor-absolute elementor-widget elementor-widget-html" data-id="6abd736" data-element_type="widget" data-settings="{"_position":"absolute"}" data-widget_type="html.default"> <div class="elementor-widget-container"> <div class="swiper-slide-inner"><div class="swiper-slide-contents"><div class="elementor-slide-heading" style="color:white; font-family: Poppins; font-size: 60px; font-weight: 700; line-height: 70px;">Tryggingarsjóður vegna fjármálafyrirtækja</div></div></div> </div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-07932dc elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="07932dc" data-element_type="section" id="about1"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-row"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2813464" data-id="2813464" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-a6d4249 abouts elementor-widget elementor-widget-heading" data-id="a6d4249" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">Um sjóðinn </h2> </div> </div> <div class="elementor-element elementor-element-f44eb96 dce_masking-none elementor-widget elementor-widget-image" data-id="f44eb96" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <div class="elementor-image"> <img loading="lazy" decoding="async" width="700" height="415" src="https://tvf.is/wp-content/uploads/2022/08/image_2022-08-01_14-03-30.png" class="attachment-full size-full" alt="" srcset="https://tvf.is/wp-content/uploads/2022/08/image_2022-08-01_14-03-30.png 700w, https://tvf.is/wp-content/uploads/2022/08/image_2022-08-01_14-03-30-300x178.png 300w" sizes="(max-width: 700px) 100vw, 700px" /> </div> </div> </div> <div class="elementor-element elementor-element-5405499 elementor-widget elementor-widget-text-editor" data-id="5405499" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> <p>Tryggingarsjóður vegna fjármálafyrirtækja (TVF) er sjálfseignarstofnun sem starfar skv. lögum nr. 98/1999, með síðari breytingum. Markmið með lögunum er að veita innstæðueigendum og viðskiptavinum fjármálafyrirtækja lágmarksvernd vegna greiðsluerfiðleika fjármálafyrirtækja í samræmi við ákvæði laganna og laga um skilameðferð lánastofnana og verðbréfafyrirtækja, nr. 70/2020.<br />TVF starfar í þremur deildum, þ.e. innstæðudeild, verðbréfadeild og skilasjóði. Um starfsemi innstæðudeildar og verðbréfadeildar er fjallað í lögum um innstæðutryggingar og tryggingakerfi fyrir fjárfesta nr. 98/1999. Um framlög til skilasjóðs sem og ráðstöfun fjármuna sjóðsins fer samkvæmt lögum nr. 70/2020 um skilameðferð lánastofnana og verðbréfafyrirtækja, en TVF hefur með lögum verið falin umsýsla sjóðsins sem felst einkum í varðveislu og ávöxtun fjármuna sjóðsins. .</p> </div> </div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-e70fd62 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="e70fd62" data-element_type="section" id="about2"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-row"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-0f2bfde" data-id="0f2bfde" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-f5ea363 abouts elementor-widget elementor-widget-heading" data-id="f5ea363" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">Um sjóðinn </h2> </div> </div> <div class="elementor-element elementor-element-5025a15 elementor-widget elementor-widget-text-editor" data-id="5025a15" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> <p>Tryggingarsjóður vegna fjármálafyrirtækja (TVF) er sjálfseignarstofnun sem starfar skv. lögum nr. 98/1999, með síðari breytingum. Markmið með lögunum er að veita innstæðueigendum og viðskiptavinum fjármálafyrirtækja lágmarksvernd vegna greiðsluerfiðleika fjármálafyrirtækja í samræmi við ákvæði laganna og laga um skilameðferð lánastofnana og verðbréfafyrirtækja, nr. 70/2020.<br />TVF starfar í þremur deildum, þ.e. innstæðudeild, verðbréfadeild og skilasjóði. Um starfsemi innstæðudeildar og verðbréfadeildar er fjallað í lögum um innstæðutryggingar og tryggingakerfi fyrir fjárfesta nr. 98/1999. Um framlög til skilasjóðs sem og ráðstöfun fjármuna sjóðsins fer samkvæmt lögum nr. 70/2020 um skilameðferð lánastofnana og verðbréfafyrirtækja, en TVF hefur með lögum verið falin umsýsla sjóðsins sem felst einkum í varðveislu og ávöxtun fjármuna sjóðsins. </p> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d5c6e8e" data-id="d5c6e8e" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-c788f08 dce_masking-none elementor-widget elementor-widget-image" data-id="c788f08" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <div class="elementor-image"> <img loading="lazy" decoding="async" width="700" height="415" src="https://tvf.is/wp-content/uploads/2022/08/image_2022-08-01_14-03-30.png" class="attachment-full size-full" alt="" srcset="https://tvf.is/wp-content/uploads/2022/08/image_2022-08-01_14-03-30.png 700w, https://tvf.is/wp-content/uploads/2022/08/image_2022-08-01_14-03-30-300x178.png 300w" sizes="(max-width: 700px) 100vw, 700px" /> </div> </div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-e450fd9 elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="e450fd9" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-row"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-cef4944" data-id="cef4944" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-1a3a98f dce_masking-none elementor-widget elementor-widget-image" data-id="1a3a98f" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <div class="elementor-image"> <img loading="lazy" decoding="async" width="728" height="355" src="https://tvf.is/wp-content/uploads/2022/08/hus3.jpg" class="attachment-full size-full" alt="" srcset="https://tvf.is/wp-content/uploads/2022/08/hus3.jpg 728w, https://tvf.is/wp-content/uploads/2022/08/hus3-300x146.jpg 300w" sizes="(max-width: 728px) 100vw, 728px" /> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b9e04d5" data-id="b9e04d5" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-f8a9eaa elementor-widget elementor-widget-text-editor" data-id="f8a9eaa" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> <p>Viðskiptabankar, sparisjóðir, verðbréfafyrirtæki og, ef við á, lánafyrirtæki, rekstrarfélög verðbréfasjóða og rekstraraðilar sérhæfðra sjóða, skulu eiga aðild að innstæðu- og verðbréfadeild sjóðsins, enda hafi þeir staðfestu hér á landi. Sama gildir um útibú þessara aðila innan Evrópska efnahagssvæðisins og í aðildarríkjum stofnsamnings Fríverslunarsamtaka Evrópu. Aðildarfyrirtæki bera ekki ábyrgð á skuldbindingum sjóðsins umfram lögbundin framlög til hans.<br />TVF er undir eftirliti Fjármálaeftirlits Seðlabanka Íslands.<br />Framkvæmdastjóri TVF er Brynjar Kristjánsson.</p> </div> </div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-c360a81 elementor-hidden-desktop elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="c360a81" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-row"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ebc2eee" data-id="ebc2eee" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-9b8adcb dce_masking-none elementor-widget elementor-widget-image" data-id="9b8adcb" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <div class="elementor-image"> <img loading="lazy" decoding="async" width="600" height="355" src="https://tvf.is/wp-content/uploads/2022/08/image_2022-08-01_14-03-25.png" class="attachment-full size-full" alt="" srcset="https://tvf.is/wp-content/uploads/2022/08/image_2022-08-01_14-03-25.png 600w, https://tvf.is/wp-content/uploads/2022/08/image_2022-08-01_14-03-25-300x178.png 300w" sizes="(max-width: 600px) 100vw, 600px" /> </div> </div> </div> <div class="elementor-element elementor-element-180aaed elementor-widget elementor-widget-text-editor" data-id="180aaed" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> <p>Viðskiptabankar, sparisjóðir, verðbréfafyrirtæki og, ef við á, lánafyrirtæki, rekstrarfélög verðbréfasjóða og rekstraraðilar sérhæfðra sjóða, skulu eiga aðild að innstæðu- og verðbréfadeild sjóðsins, enda hafi þeir staðfestu hér á landi. Sama gildir um útibú þessara aðila innan Evrópska efnahagssvæðisins og í aðildarríkjum stofnsamnings Fríverslunarsamtaka Evrópu. Aðildarfyrirtæki bera ekki ábyrgð á skuldbindingum sjóðsins umfram lögbundin framlög til hans.<br>TVF er undir eftirliti Fjármálaeftirlits Seðlabanka Íslands.<br>Framkvæmdastjóri TVF er Brynjar Kristjánsson..</p> </div> </div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-9d9011c elementor-hidden-desktop elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="9d9011c" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-row"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2464a97" data-id="2464a97" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-8fc7ddf elementor-section-full_width logos elementor-section-height-default elementor-section-height-default" data-id="8fc7ddf" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-row"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-20f0512" data-id="20f0512" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-4efb943 elementor-widget elementor-widget-spacer" data-id="4efb943" data-element_type="widget" data-widget_type="spacer.default"> <div class="elementor-widget-container"> <div class="elementor-spacer"> <div class="elementor-spacer-inner"></div> </div> </div> </div> <div class="elementor-element elementor-element-5592c68 dce_masking-none elementor-widget elementor-widget-image" data-id="5592c68" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <div class="elementor-image"> <img loading="lazy" decoding="async" width="381" height="74" src="https://tvf.is/wp-content/uploads/2022/07/original-1.png" class="attachment-large size-large" alt="" srcset="https://tvf.is/wp-content/uploads/2022/07/original-1.png 381w, https://tvf.is/wp-content/uploads/2022/07/original-1-300x58.png 300w" sizes="(max-width: 381px) 100vw, 381px" /> </div> </div> </div> <div class="elementor-element elementor-element-24d39e5 elementor-absolute elementor-widget elementor-widget-text-editor" data-id="24d39e5" data-element_type="widget" data-settings="{"_position":"absolute"}" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> <p><span style="background-color: #fcfcfc; padding: 0 13px;">Alþjóðasamstarf</span></p> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-226b711" data-id="226b711" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-2071a56 elementor-widget elementor-widget-text-editor" data-id="2071a56" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> Skoða nánar <img loading="lazy" decoding="async" class="alignnone size-full wp-image-116" style="margin-bottom: -6px;" src="https://tif.abroncloud.com/wp-content/uploads/2022/07/arrow-right.png" alt="" width="28" height="28" /> </div> </div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-inner-section elementor-element elementor-element-ffd2c75 elementor-section-full_width logos elementor-section-height-default elementor-section-height-default" data-id="ffd2c75" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-row"> <div class="elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-7c3a7bd" data-id="7c3a7bd" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-c125608 dce_masking-none elementor-widget elementor-widget-image" data-id="c125608" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <div class="elementor-image"> <img loading="lazy" decoding="async" width="79" height="79" src="https://tvf.is/wp-content/uploads/2022/07/bank.png" class="attachment-large size-large" alt="" /> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-0b3fa64" data-id="0b3fa64" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-97539e0 elementor-widget elementor-widget-text-editor" data-id="97539e0" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> <a style="color: inherit; text-decoration: none;" href="https://tif.abroncloud.com/wp-content/uploads/2022/07/20220409_Adilar_ad_TIF.pdf">Hér má sjá lista yfir aðila að sjóðnum</a> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-0e815d6" data-id="0e815d6" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-1389e1e elementor-widget elementor-widget-text-editor" data-id="1389e1e" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> <a style="color: inherit; text-decoration: none;" href="https://tif.abroncloud.com/wp-content/uploads/2022/07/20220409_Adilar_ad_TIF.pdf">Niðurhala skrá</a> <img loading="lazy" decoding="async" class="alignnone size-full wp-image-116" style="margin-bottom: -6px;" src="https://tif.abroncloud.com/wp-content/uploads/2022/07/arrow-right.png" alt="" width="28" height="28" /> </div> </div> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-c6e5172 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="c6e5172" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-row"> <div class="elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-a76bcc5" data-id="a76bcc5" data-element_type="column"> <div class="elementor-column-wrap"> <div class="elementor-widget-wrap"> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1c961f8" data-id="1c961f8" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-e6c9325 elementor-widget elementor-widget-text-editor" data-id="e6c9325" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> <p><strong>Í stjórn sjóðsins eru:</strong></p><p>Lúðvík Örn Steinarsson<br />stjórnarformaður</p><p>Hersir Sigurgeirsson<br />Lilja Rut Jensen<br />Tinna Finnbogadóttir</p> </div> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-4535d96 elementor-section-full_width logos elementor-section-height-default elementor-section-height-default" data-id="4535d96" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-row"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c9f8255" data-id="c9f8255" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-f31d621 dce_masking-none elementor-widget elementor-widget-image" data-id="f31d621" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <div class="elementor-image"> <img loading="lazy" decoding="async" width="460" height="79" src="https://tvf.is/wp-content/uploads/2022/07/IS-PNG.png" class="attachment-full size-full" alt="" srcset="https://tvf.is/wp-content/uploads/2022/07/IS-PNG.png 460w, https://tvf.is/wp-content/uploads/2022/07/IS-PNG-300x52.png 300w" sizes="(max-width: 460px) 100vw, 460px" /> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a7da3c7" data-id="a7da3c7" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-ab899cb elementor-widget elementor-widget-text-editor" data-id="ab899cb" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> <p><a href="https://tvf.is/wp-content/uploads/2024/04/SI-3.10._Adildarfyrirtaeki-Tryggingarsjods-vegna-fjarmalafyrirtaekja_310324.pdf" target="_blank" rel="noopener">Niðurhala skrá <img loading="lazy" decoding="async" class="alignnone size-full wp-image-116" style="margin-bottom: -6px;" src="/wp-content/uploads/2022/07/arrow-right.png" alt="" width="28" height="28" /></a></p> </div> </div> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-21bc20c" data-id="21bc20c" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-58f6a59 elementor-widget elementor-widget-spacer" data-id="58f6a59" data-element_type="widget" data-widget_type="spacer.default"> <div class="elementor-widget-container"> <div class="elementor-spacer"> <div class="elementor-spacer-inner"></div> </div> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-9ccec8d elementor-section-full_width logos elementor-section-height-default elementor-section-height-default" data-id="9ccec8d" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-row"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8c8ef84" data-id="8c8ef84" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-7f4100d elementor-widget elementor-widget-spacer" data-id="7f4100d" data-element_type="widget" data-widget_type="spacer.default"> <div class="elementor-widget-container"> <div class="elementor-spacer"> <div class="elementor-spacer-inner"></div> </div> </div> </div> <div class="elementor-element elementor-element-f7c5700 elementor-absolute dce_masking-none elementor-widget elementor-widget-image" data-id="f7c5700" data-element_type="widget" data-settings="{"_position":"absolute"}" data-widget_type="image.default"> <div class="elementor-widget-container"> <div class="elementor-image"> <img loading="lazy" decoding="async" width="300" height="58" src="https://tvf.is/wp-content/uploads/2022/07/original-1-300x58.png" class="attachment-medium size-medium" alt="" srcset="https://tvf.is/wp-content/uploads/2022/07/original-1-300x58.png 300w, https://tvf.is/wp-content/uploads/2022/07/original-1.png 381w" sizes="(max-width: 300px) 100vw, 300px" /> </div> </div> </div> <div class="elementor-element elementor-element-73d0b9f elementor-absolute elementor-widget elementor-widget-text-editor" data-id="73d0b9f" data-element_type="widget" data-settings="{"_position":"absolute"}" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> <p><span style="background-color: #fcfcfc; padding: 0 13px;">Alþjóðasamstarf</span></p> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e0959ac" data-id="e0959ac" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-f5042cc elementor-widget elementor-widget-text-editor" data-id="f5042cc" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> <a href="https://www.efdi.eu" target="_blank" rel="noopener">Skoða nánar <img loading="lazy" decoding="async" class="alignnone size-full wp-image-116" style="margin-bottom: -6px;" src="/wp-content/uploads/2022/07/arrow-right.png" alt="" width="28" height="28" /></a> </div> </div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-inner-section elementor-element elementor-element-c3a13f9 elementor-section-full_width logos elementor-section-height-default elementor-section-height-default" data-id="c3a13f9" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-row"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-41cfc20" data-id="41cfc20" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-383da23 elementor-widget elementor-widget-spacer" data-id="383da23" data-element_type="widget" data-widget_type="spacer.default"> <div class="elementor-widget-container"> <div class="elementor-spacer"> <div class="elementor-spacer-inner"></div> </div> </div> </div> <div class="elementor-element elementor-element-f1ea1e5 elementor-absolute dce_masking-none elementor-widget elementor-widget-image" data-id="f1ea1e5" data-element_type="widget" data-settings="{"_position":"absolute"}" data-widget_type="image.default"> <div class="elementor-widget-container"> <div class="elementor-image"> <img loading="lazy" decoding="async" width="300" height="110" src="https://tvf.is/wp-content/uploads/2023/07/IADI-logo-300x110.png" class="attachment-medium size-medium" alt="" srcset="https://tvf.is/wp-content/uploads/2023/07/IADI-logo-300x110.png 300w, https://tvf.is/wp-content/uploads/2023/07/IADI-logo.png 500w" sizes="(max-width: 300px) 100vw, 300px" /> </div> </div> </div> <div class="elementor-element elementor-element-95d6ce9 elementor-absolute elementor-widget elementor-widget-text-editor" data-id="95d6ce9" data-element_type="widget" data-settings="{"_position":"absolute"}" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ef0474f" data-id="ef0474f" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-24f55ab elementor-widget elementor-widget-text-editor" data-id="24f55ab" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> <p><a href="https://www.iadi.org/en/" target="_blank" rel="noopener">Skoða nánar <img loading="lazy" decoding="async" class="alignnone size-full wp-image-116" style="margin-bottom: -6px;" src="/wp-content/uploads/2022/07/arrow-right.png" alt="" width="28" height="28" /></a></p> </div> </div> </div> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-6d34586 elementor-button-info elementor-align-center elementor-widget elementor-widget-button" data-id="6d34586" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a href="https://tvf.is/utgreidslur/" class="elementor-button-link elementor-button elementor-size-lg" role="button"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Nánari upplýsingar um útgreiðslur til innstæðueigenda og fjárfesta</span> </span> </a> </div> </div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-124ef20 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="124ef20" data-element_type="section" id="legislation"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-row"> <div data-dce-background-color="#E4F6FD" data-dce-background-image-url="https://tif.abroncloud.com/wp-content/uploads/2022/07/Vector.png" class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1c28aad" data-id="1c28aad" data-element_type="column" data-settings="{"background_background":"classic"}"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-b04d941 legis elementor-widget elementor-widget-heading" data-id="b04d941" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">Tilvísun í lög </h2> </div> </div> <div class="elementor-element elementor-element-fa89a9a elementor-widget elementor-widget-text-editor" data-id="fa89a9a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> <p>Tryggingarsjóður vegna fjármálafyrirtækja (áður Tryggingarsjóður innstæðueigenda og fjárfesta) var stofnaður 28. desember 1999 og um sjóðinn gilda lög nr. 98/1999, með síðari breytingum.<span class="Apple-converted-space"> </span></p><p>Á grundvelli laganna hefur verið sett reglugerð nr. 120/2000 um innstæðutryggingar og tryggingakerfi fyrir fjárfesta, með síðari breytingum.<span class="Apple-converted-space"> </span></p><p>Ísland er aðili að Evrópska efnahagssvæðinu (EES) ásamt Noregi og Liechtenstein. Sem aðila að EES ber Íslandi að taka upp tilskipanir Evrópusambandsins (ESB) er lúta að innri markaði fyrir fjármálaþjónustu og neytendavernd, í samræmi við ákvarðanir sameiginlegu EES nefndarinnar. Ákvæði laga nr. 98/1999 byggja að mestu á Evrópulöggjöf, en reglur laga um TVF varðandi innstæðudeild byggja í grunninn á tilskipun Evrópuþingsins og ráðsins 94/19/EB um innlánstryggingar en tilskipuninni var ætlað að tryggja ákveðna samræmingu í innlánstryggingarvernd innan ESB og EES. Ný tilskipun 2014/49/ESB um innstæðutryggingakerfi var innleidd í apríl 2014 á vettvangi ESB og hefur hún verið innleidd í ríkjum Evrópusambandsins, en hefur ekki verið tekin upp í EES samninginn og hefur því ekki verið innleidd í íslensk lög. Ákvæði laganna um verðbréfadeild byggja að miklu leyti á ákvæðum tilskipunar Evrópuþingsins og ráðsins nr. 97/9/EB um bótakerfi fyrir fjárfesta. Um skilasjóð gilda lög nr. 70/2020 um skilameðferð lánastofnana og verðbréfafyrirtækja, en TVF annast umsýslu sjóðsins.</p><p> </p> </div> </div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-5aa70a6 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="5aa70a6" data-element_type="section" id="decision-on-payment"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-row"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7ef40ac" data-id="7ef40ac" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-0dd4016 legis elementor-widget elementor-widget-heading" data-id="0dd4016" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">Iðgjöld</h2> </div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-6f0dd07 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="6f0dd07" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-row"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-337a669" data-id="337a669" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-dc26189 elementor-widget elementor-widget-text-editor" data-id="dc26189" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> <p><span style="text-decoration: underline;"><strong>Innstæðudeild</strong></span></p><p>Innstæðudeild skal á hverjum tíma hafa yfir að ráða tiltækum fjármunum sem nema að lágmarki 0,8% af tryggðum innstæðum allra lánastofnana sem hafa starfsleyfi hér á landi, en innstæðudeild er fjármögnuð með iðgjöldum frá aðildarfyrirtækjum. Eignir innstæðudeildar eru nokkuð umfram framangreint lágmark og í júní 2022 voru samþykkt lög um breytingu á lögum nr. 98/1999, sem fólu í sér að innheimtu iðgjalda í innstæðudeild sjóðsins skyldi hætt og greiða aðildarfyrirtæki innstæðudeildar því engin iðgjöld til deildarinnar frá gildistöku laganna.</p><p><span style="text-decoration: underline;"><strong>Verðbréfadeild</strong></span></p><p>Heildareign verðbréfadeildar sjóðsins skal nema að lágmarki 100 milljónum króna, en verðbréfadeild er fjármögnuð með iðgjöldum frá aðildarfélögum, sbr. 7. gr. laga nr. 98/1999. Eignir innstæðudeildar hafa verið umfram lögbundið lágmark síðastliðin ár, en þegar svo háttar til er einungis innheimt iðgjald frá nýjum aðildarfyrirtækjum deildarinnar skv. 6. mgr. 7. gr. laga nr. 98/1999 í fimm ár frá því að viðkomandi fyrirtæki hefur starfsemi hér á landi.<span class="Apple-converted-space"> </span></p><p><span style="text-decoration: underline;"><strong>Skilasjóður</strong></span></p><p>Um greiðslur í skilasjóð fer samkvæmt lögum nr. 70/2020 um skilameðferð lánastofnana og verðbréfafyrirtækja.</p><p> </p> </div> </div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-582b3e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="582b3e1" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-row"> <div class="elementor-column elementor-col-100 elementor-top-column 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elementor-section-height-default" data-id="c43f1f8" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-row"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-32cad3d" data-id="32cad3d" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-2a50265 elementor-widget elementor-widget-spacer" data-id="2a50265" data-element_type="widget" data-widget_type="spacer.default"> <div class="elementor-widget-container"> <div class="elementor-spacer"> <div class="elementor-spacer-inner"></div> </div> </div> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <footer itemtype="https://schema.org/WPFooter" itemscope="itemscope" id="colophon" role="contentinfo"> <div class='footer-width-fixer'> <div data-elementor-type="wp-post" data-elementor-id="44" data-post-id="266" data-obj-id="266" class="elementor elementor-44 dce-elementor-post-266"> <div class="elementor-inner"> <div class="elementor-section-wrap"> <section data-dce-background-color="#FCFCFC" class="elementor-section elementor-top-section elementor-element elementor-element-47195bd elementor-hidden-mobile cpel-lv--yes elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="47195bd" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-row"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f5992d8" data-id="f5992d8" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-67b3506 elementor-widget elementor-widget-heading" data-id="67b3506" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Tryggingarsjóður vegna fjármálafyrirtækja</h3> </div> </div> <div class="elementor-element elementor-element-e7bc3df elementor-widget elementor-widget-text-editor" data-id="e7bc3df" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> <p>Borgartún 35<br />105 Reykjavík<br />Sími: 591 0500<br />Fax: 591 0505<br />Netfang: <a href="mailto:[email protected]">[email protected]</a></p> </div> </div> </div> <div class="elementor-element elementor-element-3956d4c elementor-widget elementor-widget-text-editor" data-id="3956d4c" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-49666ff" data-id="49666ff" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-3d9871f dce_masking-none elementor-widget elementor-widget-image" data-id="3d9871f" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <div class="elementor-image"> <img width="529" height="149" src="https://tvf.is/wp-content/uploads/2022/07/image_2022-07-18_09-33-13-1-2.png" class="attachment-large size-large" alt="" loading="lazy" srcset="https://tvf.is/wp-content/uploads/2022/07/image_2022-07-18_09-33-13-1-2.png 529w, https://tvf.is/wp-content/uploads/2022/07/image_2022-07-18_09-33-13-1-2-300x84.png 300w" sizes="(max-width: 529px) 100vw, 529px" /> </div> </div> </div> <div class="elementor-element 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elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-b643aee elementor-widget elementor-widget-heading" data-id="b643aee" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Tryggingarsjóður vegna fjármálafyrirtækja</h3> </div> </div> <div class="elementor-element elementor-element-4334133 elementor-widget elementor-widget-text-editor" data-id="4334133" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> <p>Borgartún 35</p> </div> </div> </div> <div class="elementor-element elementor-element-3758cb8 elementor-widget elementor-widget-text-editor" data-id="3758cb8" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> <p>105 Reykjavik</p> </div> </div> </div> <div class="elementor-element elementor-element-42985c6 elementor-widget elementor-widget-text-editor" data-id="42985c6" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> <p>Iceland</p> </div> </div> </div> <div class="elementor-element elementor-element-1dac52d elementor-widget elementor-widget-text-editor" data-id="1dac52d" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> Simi:<span style="color: #252c36;"> +354 591 0500</span> </div> </div> </div> <div class="elementor-element elementor-element-797fa24 elementor-widget elementor-widget-text-editor" data-id="797fa24" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> Fax: <span style="color:#252C36;"> +354 591 0505</span> </div> </div> </div> <div class="elementor-element elementor-element-194f30f elementor-widget elementor-widget-text-editor" data-id="194f30f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> <p>Netfang: <a href="mailto:[email protected]">[email protected]</a></p> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b0d09fa" data-id="b0d09fa" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-2545891 elementor-widget elementor-widget-spacer" data-id="2545891" data-element_type="widget" data-widget_type="spacer.default"> <div 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