What is the official website of the payment service?
https://tmi.is
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Where can I find the customer support contacts?
Customer support contact information is available on the official website tmi.is under the "Contact" or "About Us" sections.
What is the hotline phone number?
+354 553 6688
Is there a toll-free support number?
There is no verified information available for a toll-free support number; generally, toll-free numbers are offered by some providers but not always standard.
What is the email address for technical support?
[email protected]
Are there separate emails for different types of inquiries?
Yes, inquiries can be sent to different emails for international business or compliance via [email protected], and general inquiries to [email protected]
Where can I find the online chat support?
No verified specific online chat support found; typically, such services provide chat support on their official website if available.
Does the chat support work 24/7?
No verified data available on 24/7 chat support for TM tryggingamiðlun.
Is there support through messengers (Telegram, WhatsApp)?
There is no verified indication of support via Telegram or WhatsApp.
What are the support working hours?
Customer support is generally available during normal Icelandic business hours; for TM Íslands, typical hours are around 09:00 to 16:00.
Does support work on weekends and holidays?
Support is typically not available on weekends and holidays for most insurance and payment services.
Are there regional offices for in-person visits?
Yes, TM tryggingamiðlun has physical offices available for in-person visits.
Where are the physical offices located?
Known office locations include Hlíðasmára 12, 201 Kópavogur, and Síðumúli 21, 108 Reykjavík, Iceland.
Can I schedule a personal meeting?
Personal meetings can generally be scheduled by contacting their office directly via phone or email.
Are there representatives in different countries?
The company works with international partners but specific representatives in multiple countries are not detailed.
In which languages is support available?
Support is primarily available in Icelandic and may offer English for international clients.
How quickly does support respond to requests?
Typical response times vary but often within 1-2 business days for emails and quicker for phone calls.
Is there a priority system for VIP clients?
No verified data on VIP client priority support system.
Can I request a callback?
Callback services are generally offered by financial/payment services but no specific confirmation for this company.
When was the payment service founded?
TM tryggingamiðlun was founded in June 1997.
Who is the founder and owner of the service?
Founded by Karl Jónsson; current owners include Friðbert Elí Friðbertsson and Gísli Ölvir Böðvarsson since 2010.
In which country is the company registered?
Iceland.
What is the development history of the payment service?
Established as an insurance brokerage agency, expanded services from insurance to savings and pension products, became Lloyd's Coverholder in 2017, and broadened international partnerships.
Have there been major updates or rebranding?
The company became Lloyd's Coverholder in 2017 and ownership changes in 2010 are notable development events.
Who sits on the company's board of directors?
Specific board of directors details are not readily available publicly.
Are there investors or partners in the service?
Key partners include Allianz, Vörður, Lloyd’s, and international brokers such as JLT International, Lockton Global, and Gallagher Global Alliance.
Does the company participate in stock trading?
No public stock trading information available.
What is the company's market capitalization?
Not publicly listed; no market capitalization data available.
Are there subsidiary companies or branches?
TM owns a majority stake in Líftryggingamiðstöðin hf (life insurance) and has a subsidiary in Norway named Nemi Forsikring ASA.
What licenses does the payment service have?
The business is regulated by the Icelandic Financial Services Authority (FME) and is a Lloyd’s Coverholder.
In which jurisdictions does the service operate officially?
Officially operates in Iceland and collaborates internationally through partners.
Are there licenses for cryptocurrency operations?
No information available on cryptocurrency licenses.
Does the service comply with AML/KYC requirements?
As a regulated financial service under FME, the service complies with AML and KYC standards.
Are there security certificates (PCI DSS, etc.)?
There is no specific information on PCI DSS or other security certifications publicly available.
Has the service undergone security audits?
No publicly detailed information about security audits.
Is there insurance for client funds?
Standard industry practice includes client fund protections; specific insurance details not available.
Which international standards does it comply with?
Complies with Icelandic and EU-equivalent financial regulations under FME supervision.
Have there been any regulatory fines or violations?
No publicly reported regulatory fines or violations.
Where can I find real reviews about the service?
Customer feedback may be found on Icelandic business directories or insurance review platforms but no specific global sites noted.
What are the main user complaints?
No common complaints publicly documented; typical issues in insurance brokerage could involve claims processing times.
What do users most often praise the service for?
Users appreciate personalized insurance advice, longevity, and collaboration with major insurers.
Are there issues with fund withdrawals?
Not applicable as TM tryggingamiðlun is primarily an insurance broker and service provider.
Is the interface convenient according to users?
No specific information; industry best practice encourages easy-to-use customer portals.
Are clients satisfied with transaction speed?
No data specific to transactions; insurance services typically process claims and payments within industry timeframes.
Do users recommend this service?
The company is considered reputable in Icelandic insurance circles.
How do experts assess the service's reliability?
Experts regard TM as stable, with good international partnerships and regulatory compliance.
Are there industry awards and recognitions?
Recognized as one of Iceland’s strongest companies for 13 years running.
Does the service participate in payment system rankings?
No public ranking related to payment systems.
Are there recommendations from financial regulators?
The company operates under FME regulation in accordance with good business practices.
What reputation does the service have among partners?
TM is seen as a trusted intermediary and broker by international insurance providers.
How do they evaluate solution innovation?
TM leverages international networks but has a traditional brokerage service model.
Are there quality service certificates?
No specific quality certification publicly listed.
Does the company participate in industry conferences?
No public data on conference participation.
How does the service position itself in the market?
Positioned as a leading insurance brokerage in Iceland with strong international ties.
Which fiat currencies does the service support?
Primarily operates in Icelandic krona (ISK); international payments likely supported in common currencies via partners.
Are cryptocurrencies supported? Which ones specifically?
No cryptocurrency support is indicated.
Can currencies be converted within the service?
No direct currency conversion functionality is noted.
What exchange rates are used for conversion?
Not applicable.
How often are exchange rates updated?
Not applicable.
Can exotic currencies be handled?
Not indicated.
Are there currency restrictions in different countries?
Typical international regulatory currency restrictions apply.
What types of transfers does the service support?
Mainly insurance premium payments and claim settlements; no specialized transfer services found.
Can transfers be made between service users?
Not applicable.
Are transfers to bank cards supported?
Not explicitly indicated.
Can money be transferred to bank accounts?
Insurance claim payouts and possibly refunds to bank accounts are standard.
Is bill payment available?
Not a primary billing/payment service.
Are recurring payments supported?
Recurring insurance premium payments are likely supported.
Can automatic transfers be set up?
Automatic premium payments may be arranged with providers.
Is payment scheduling available?
Not explicitly detailed.
Are group payments supported?
Not indicated.
Can payment links be created?
Not indicated.
What are the minimum transaction amounts in the service?
Not detailed.
What are the maximum amounts that can be transferred?
Not detailed.
Are there daily limits on operations?
Not detailed.
What monthly and annual limits are in effect?
Not detailed.
Can limits be increased? How?
Not applicable.
Do limits differ for verified users?
Not applicable.
Are there restrictions for new accounts?
Standard regulatory onboarding for new clients applies.
Do special limits apply in different countries?
Not applicable.
Can operations be temporarily blocked?
Operations may be blocked under suspicious activity or regulatory compliance requirements.
Are there limits on the number of daily operations?
Not detailed.
What are the minimum amounts for account funding?
Not applicable.
What methods of funding are supported?
Insurance premium payments likely accepted via standard banking and payment methods.
Are there fees for funding?
Fees depend on payment method and insurance provider.
What are the minimum funding amounts?
Not specified.
How quickly are funds credited when funding?
Payment processing times depend on method used.
How can money be withdrawn from the system?
Insurance claim payouts typically processed to bank accounts.
Are there fees for fund withdrawal?
Fees are provider and method dependent.
How long does withdrawal take?
Typically a few business days depending on banking system.
What withdrawal limits are set?
Not specified.
How quickly are funds credited when funding with a card?
Dependent on card and payment processor.
How long does a bank transfer take?
Usually 1–3 business days.
How quickly do cryptocurrency transfers arrive?
Not applicable.
Are transfers between users instant?
Not applicable.
Are there delays when funding on weekends?
Payment processing usually delayed on weekends.
Do holidays affect funding speed?
Yes, holidays can delay processing.
Can crediting be accelerated for a fee?
Some providers offer expedited processing for additional fees.
What determines the speed of funding processing?
Payment method, bank processing times, holidays, and compliance checks.
Are there notifications about funding status?
Notification depends on the payment system used.
What to do if funding takes too long?
Contact customer service with transaction details for investigation.
How quickly are withdrawal requests processed?
Usually within a few business days.
How long does card withdrawal take?
Processing times vary by card issuer.
How quickly do bank transfers arrive?
1–3 business days.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Yes, withdrawals generally delay on weekends.
Do holidays affect withdrawal speed?
Yes, withdrawal timings get delayed during holidays.
Can withdrawal be accelerated for an additional fee?
Some services allow express processing for fees.
What determines withdrawal processing time?
Payment method, bank system, compliance checks.
Are there notifications about withdrawal status?
Often sent via email or SMS if enabled.
Can a withdrawal request be canceled?
Usually possible shortly after request before processing starts.
How to register with the payment service?
Registration involves completing an application form with personal and contact details and providing necessary documentation.
What data is needed to create an account?
Typically includes full name, address, phone number, email, and identification documents.
Can registration be done without email?
Normally email is required for account verification and communication.
Is phone confirmation required during registration?
Phone verification is often used for additional security.
Are there age restrictions for registration?
Usually minimum age is 18 years or local legal age.
Can a corporate account be created?
Business accounts or brokerage arrangements may be available.
Is it required to provide real data?
Yes, real and accurate information is required for compliance and verification.
Are there country restrictions for registration?
Typically registration restricted to Iceland residents or through international brokers.
How long does account activation take?
Activation typically occurs within a few business days after verification.
What verification levels exist?
Basic identity verification and enhanced verification for larger transactions or compliance.
What documents are required for basic verification?
Government-issued ID and proof of address.
Are documents needed for full verification?
Additional documents such as income proof or corporate registration if applicable.
Are digital copies of documents accepted?
Yes, digital submissions are typically supported.
How long does the verification procedure take?
From same day up to several days depending on workload.
Can the service be used without verification?
Limited or no access; verification mandatory for full service.
What restrictions apply to unverified users?
Restricted to minimal service use, lower transaction limits.
Is address confirmation required?
Yes, proof of address is required for compliance.
Is a selfie with documents required?
Increasingly common in modern verification but no specific info for TM.
How often do documents need to be updated?
Documents may require periodic renewal every 1-3 years.
What encryption technologies does the service use?
Industry standard encryption such as TLS/SSL is generally used for data security.
Is two-factor authentication supported?
2FA is recommended and often supported to enhance account security.
Are there SMS confirmations for operations?
SMS confirmations for critical transactions are common security measures.
Is biometric authentication supported?
No confirmed information available.
Is blockchain technology used?
No indication of blockchain use in their service.
Is there a multi-level security system?
Multiple layers of security including encryption, 2FA, monitoring and access control are common industry practices.
How is user personal data protected?
Personal data protection complies with GDPR and Icelandic privacy laws with secured storage and controlled access.
Is cold storage used for cryptocurrencies?
Not applicable, as no cryptocurrency services.
Is there DDoS attack protection?
Large service providers typically maintain DDoS mitigation but no specific data found.
Are regular security audits conducted?
Financial service providers undergo regular security audits though no detailed reports found.
What anti-phishing protection measures are provided?
Advisory notices and email authentication protocols like SPF/DKIM are usually deployed.
Is there a suspicious activity detection system?
Fraud and suspicious activity monitoring systems are standard requirements.
How does the service combat money laundering?
Through AML policies, transaction monitoring, customer verification, and report suspicious activity to authorities.
Is there blocking of suspicious accounts?
Accounts showing suspicious behavior are typically blocked pending investigation.
What to do when fraud is detected?
Report to support immediately, freeze affected accounts, follow company guidance.
How to report suspicious activity?
Via official customer support channels including email and phone.
Is there compensation for damage from fraudsters?
Usually limited to cases where company negligence is proven; varies by service.
What user rights exist for disputed transactions?
Rights to dispute fraudulent or erroneous transactions with formal investigation procedure.
How to dispute account blocking?
Contact customer support and provide required evidence for review.
Is there insurance against cyber attacks?
Not publicly confirmed for TM; some companies hold cyber insurance.
What fees does the service charge for transfers?
Fees vary depending on transaction type; details are provider-specific.
Are there fees for account funding?
Fees depend on payment methods and third-party processors.
Are fees charged for fund withdrawal?
Withdrawals may incur fees based on method and provider policies.
Are there fees for currency conversion?
Currency conversion fees apply when applicable.
Are there fees for account inactivity?
Some providers charge inactivity fees after prolonged dormancy.
Are there account maintenance fees?
May vary; typical industry practice is no fees or minimal fees.
Are fees charged for operation cancellation?
Generally no fees for cancellation before processing.
Are there fees for expedited operations?
Some services offer express processing for additional fees.
Are there hidden fees?
Reputable providers disclose all fees; hidden fees are against regulations.
How are fees calculated for large amounts?
Fee tiers or fixed rates for large transactions are common.
Are there different tariff plans in the service?
Multiple pricing plans or tiers may exist for retail and corporate clients.
What advantages does VIP status provide?
VIP clients often get priority support, fee discounts, and personalized services.
How to get preferential conditions?
Typically through volume, loyalty, or premium account status.
Are there free operations per month?
Some providers offer a set number of free transactions monthly.
Are there discounts for active users?
Activity-based discounts and rewards are commonly offered.
Are there corporate tariffs?
Business clients usually have tailored pricing plans.
Can individual conditions be obtained?
Negotiated terms may be available for high-value clients.
Do promotional codes work for fee reduction?
Occasional promotions with codes may be offered.
Are there cashback programs?
Not typical for this kind of insurance brokerage.
Are there discounts for transaction volumes?
Volume discounts common in corporate arrangements.
Is there an official mobile application?
TM has an official mobile app.
On which platforms is the application available?
The TM app is available on iOS and Android platforms.
What functions are available in the mobile application?
Claim filing, policy management, price checking, and account login features.
Does functionality differ from the web version?
Typically mobile apps focus on core user actions; web may have more detailed options.
Is Touch ID/Face ID supported?
Mobile biometric authentication support is commonly offered in apps but not specifically confirmed.
Can the application work offline?
Offline capabilities are usually limited; core services require internet.
Are there push notifications about operations?
Push notifications are typical for updates and alerts.
Is dark theme supported?
No public info on dark mode availability.
How often is the mobile application updated?
Updates frequency varies, often monthly or quarterly.
Are there beta versions of the application?
No public information on beta testing.
Is the web interface of the service convenient?
The official website is designed for user-friendly access but specific ratings are unavailable.
Is responsive design supported?
Modern web design standards usually ensure responsive design.
In which languages is the interface available?
Primarily Icelandic and English languages.
Is there a night mode for the website?
No specific information found on night mode.
Are hotkeys supported?
No data available.
Can data be exported?
Exporting data is sometimes offered for reports and billing history.
Is there an API for developers?
No public documentation found for a developer API.
Is integration with other services supported?
Collaborations with international brokers suggest integration capabilities.
How often is the web interface updated?
Updates occur periodically for maintenance and new features.
Are there virtual cards in the service?
No indication of virtual card services.
Can disposable cards be created?
Not applicable.
Is multi-currency account functionality supported?
Not indicated as a service feature.
Are there investment products?
TM sells insurance and related savings/pension products, not direct investments.
Can interest be earned on balance?
Interest earning relates to savings products offered with partners.
Are there credit products?
No credit or lending services noted.
Is P2P trading supported?
Not applicable.
Is there acquiring for business?
No merchant acquiring service indicated.
Are mass payouts supported?
No information available.
Is there a loyalty program in the service?
No public information on loyalty programs.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
Not offered.
Are there referral programs?
No specific referral program detailed.
What privileges do VIP clients have?
VIP clients may receive enhanced service and support.
Are there seasonal promotions and offers?
Occasional promotions may be offered but no regular schedule.
Can premium status be obtained?
Yes, usually through customer relationship management.
Are there partner discounts?
Discounts from associated insurance partners are possible.
Are there corporate loyalty programs?
Corporate clients likely have benefits structured separately.
Does the service allow operations with online casinos?
Not indicated; usually financial compliance restricts such use.
Are there restrictions on gambling transactions?
Likely restrictions exist based on regulation and policy.
Can accounts be blocked for casino play?
Possible under regulatory or anti-money laundering rules.
How does the service view gambling?
Generally cautious and compliant with legal requirements.
Are there special conditions for gambling?
Not publicly detailed.
Are casino transactions tracked?
Financial monitoring would track such transactions if relevant.
Can operations with gambling sites be hidden?
Transparency is required by regulation; hiding transactions is rare.
Are there notifications about gambling expenses?
Not publicly documented.
Are there special fees for gambling operations?
Not indicated.
Can limits be set on gambling?
Responsible gaming controls may be applied if offered.
Is there a self-exclusion function?
Not applicable to their insurance brokerage service.
Can access to gambling sites be restricted?
Not applicable.
Is gambling expense control supported?
Not applicable.
Are there notifications about limit exceedance?
Not applicable.
Can operations with casinos be blocked?
Possibly under regulatory compliance.
Is there gambling expense statistics?
Not applicable.
Is a "cooling-off period" supported?
Typical consumer protections for insurance may apply.
Can help be obtained for gambling addiction?
Not applicable.
Is there partnership with player assistance organizations?
Not applicable.
How to set up gambling expense notifications?
Not applicable.
Which online casinos accept this payment method?
Not applicable.
Are there exclusive partnerships with specific casinos?
Not applicable.
Do conditions differ when used in different casinos?
Not applicable.
Are there special bonuses for using this method in casinos?
Not applicable.
Can the method be used for both deposits and withdrawals in casinos?
Not applicable.
Are there geographic restrictions for casino usage?
Not applicable.
How do casino operators typically process transactions from this method?
Not applicable.
Are there typical processing times when used with casinos?
Not applicable.
Do casinos usually charge additional fees for this method?
Not applicable.
Are there any known compatibility issues with major casino platforms?
Not applicable.