Terms & Conditions

§1. General Information

This website is owned and operated by:

Penning Group ApS

CVR no.: 42310352

Vester Voldgade 7B, 1552 Copenhagen V, Denmark

Contact: info@penning.dk

Use of this site implies acceptance of these Terms and all associated policies.

§2. Access and Use

Users may browse the website freely. Certain features and services require account creation and identity verification.

By accessing and using this platform, you acknowledge and agree that Penning is obligated to comply with applicable anti-money laundering (AML) and counter-terrorist financing (CFT) legislation. You may be subject to identity verification procedures (KYC/KYB) including the collection and screening of personal or corporate information.

This may include:

  • Document verification (e.g., ID/passport, company registration documents)
  • Screening against global watchlists (e.g., politically exposed persons, sanctions, high-risk jurisdictions)
  • Verification of beneficial ownership and business structure
  • Risk scoring and enhanced due diligence in high-risk cases

Penning reserves the right to deny or terminate access to the platform if the information provided is incomplete, inaccurate, or fails regulatory checks. You agree to provide all required documentation and understand that failure to do so may result in limited or denied access to services.

By using the platform, you also agree not to misuse any content or services and to comply with all applicable laws and platform policies.

§3. Account Registration and Responsibility

If you create a user account on Penning.dk, you are responsible for maintaining the confidentiality of your login credentials and for all activities conducted through your account.

You agree to notify us immediately of any unauthorised use or security breach.

§4. Acceptable Use Policy

You agree not to:

  • Use the platform for illegal or harmful activities
  • Disrupt or attempt to disrupt platform operations
  • Access or attempt to access restricted areas
  • Upload malicious code, viruses, or conduct phishing
  • Impersonate any other person or entity

Violation of this policy may result in suspension or termination of access.

§5. Intellectual Property

All content, including text, graphics, software, logos, and trademarks, is the property of Penning Group ApS or its licensors and is protected under intellectual property law.

You may not reproduce, distribute, modify or publicly display any content without prior written permission.

§6. Privacy and Cookies

Use of this site is subject to our Privacy Policy and Cookie Policy, which explain how we collect, use and protect your data. By using the site, you consent to these practices.

§7. Disclaimer

The information on this site is for general information purposes only. It does not constitute financial advice, an investment recommendation or an offer to buy/sell financial instruments.

Penning makes no warranty as to the accuracy or completeness of the content and assumes no liability for any loss resulting from its use.

This applies to all use of the platform, including predefined Investment Packages and customer-initiated transactions made through Broker Services.

§8. Fees and Payments

Fees for specific services are disclosed separately and must be accepted by the user prior to execution. Payments may be made in fiat or crypto depending on service type.

§9. Suspension and Termination

Penning reserves the right to suspend or terminate access to any user without notice in cases of suspected misuse, fraud, or breach of these terms.

§10. Governing Law and Jurisdiction

These Terms shall be governed by Danish law. Any disputes shall be subject to the exclusive jurisdiction of the courts of Copenhagen, Denmark.

§11. Modifications

Penning may update these Terms at any time. Continued use of the platform after changes constitutes acceptance of the updated Terms.

§12. Client Relationship

Access to financial services on this platform requires entering into a separate Client Agreement with Penning Financial Services ApS . That agreement governs your rights and obligations as a customer.