Read the untranslated law here: http://rkrattsbaser.gov.se/sfst?bet=2010:738
section 1 of this Act apply to a liability account for amounts
are charged to an account due to an unauthorised transaction with a
2 for the purposes of the Act
1. payment instruments: a debit card or any other
personal instruments or a personal routine used for
to electronically initiating a payment transaction;
2. unauthorized transaction: a transaction carried out without
consent of the account holder or any other person who, in accordance with
account agreement are authorized to use the payment instrument,
3. "consumer" means any natural person who is acting primarily for
purposes which fall outside of the business.
paragraph 3 of the terms in comparison with the provisions of this
law to the detriment of the consumer are inoperative against him
4 § the account holder is obliged to
1. protect a personal code that he or she received,
2. in the knowledge that the payment instrument is lost or
improperly used as soon as possible notify the who is
payment service provider and the
3. in other respects, comply with the conditions under the account agreement
for use of the payment instrument.
§ 5 If an unauthorised transaction has been completed to the
as a result of the account holder has failed to protect a
personal code, the account holder is responsible for this amount, up to a maximum of
1 200 kroons.
section 6 If an unauthorised transaction has been completed to the
as a result of the breach of an obligation under paragraph 4 by rough
negligence, the account holder is responsible for the entire amount.
Is the account holder, is responsible within the meaning of the first subparagraph
limited to a maximum of 12 000 kroons. The account holder has been
particularly objectionable, however, is responsible for his or her entire
section 7 Notwithstanding sections 5 and 6, is the responsibility of the account holder
not for any amounts that were charged to your account after the
He or she will be notified to the payment service provider to
payment instrument should be blocked. However, this does not apply if
the account holder through fraudulent conduct has contributed to the
section 8 account holder is responsible for the entire amount if he or she
does not notify the payment service provider shall, without undue delay,
After having become aware of the unauthorized transaction.
The same applies if the payment service provider has provided
account holder information on the transaction and the account holder
does not notify the payment service provider in 13 months
from the amount charged to the account.
§ 9 even if anyone other than the account holder's jurisdiction pursuant to
account agreement to use a payment instrument, shall, at the
assessment according to paragraphs 5 to 8 of if the account holder is responsible for
any amount, the other person's behaviour counts as if
the account holder had acted.
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