Product Feedback & Suggestions

These regulations regarding "Product Feedback & Suggestions" apply to the entire SCANDIC brand ecosystem, in particular to the following brands and services:

1. Purpose of the "Product Feedback & Suggestions" section

SCANDIC FINANCE GROUP LIMITED sees itself as a technology- and service-oriented financial group. The continuous improvement of products, platforms and services is a central part of our self-image.

The "Product Feedback & Suggestions" section serves to

• collect feedback on existing products and services,
• receive suggestions for improvements to functionalities, user interfaces and processes,
• bundle and evaluate new feature ideas and product suggestions from the community,
• draw attention to security, quality and compliance issues at an early stage.

Our goal is to work with customers, business partners and the wider community to create a robust, secure and user-friendly SCANDIC brand ecosystem.

2. Who can submit feedback?

Feedback and suggestions can be submitted in particular by:

• registered customers of SCANDIC FINANCE GROUP LIMITED,
• users of SCANDIC platforms,
• institutional partners, service providers and intermediaries,
• other stakeholders who come into contact with SCANDIC FINANCE GROUP LIMITED products or services.

SCANDIC FINANCE GROUP LIMITED reserves the right to reject individual feedback if it violates applicable law, internal compliance requirements or the prohibited use policy.

3. Types of feedback and suggestions

In the "Product Feedback & Suggestions" section, we distinguish between the following categories in particular:

4. Submission channels and authentication

Feedback and suggestions can be submitted via the channels provided by SCANDIC FINANCE GROUP LIMITED, in particular:

• via the integrated feedback sections within the customer or partner portals,
• via dedicated contact forms in the online section "Product Feedback & Suggestions",
• via the official email addresses of SCANDIC FINANCE GROUP LIMITED and its cooperation partners, if expressly provided for this purpose.

For security and data protection reasons, prior authentication or identity confirmation may be required for certain feedback categories (in particular security-related information and confidential project reports). In such cases, submitters will be guided accordingly through the respective channel.

5. Handling of security-related information

Security-related information is treated with the highest priority. SCANDIC FINANCE GROUP LIMITED:

• promptly checks incoming reports for plausibility and relevance,
• may request additional information to clarify or reproduce the facts,
• documents security-related cases internally in accordance with the applicable compliance and incident management processes,
• takes technical, organisational and, if necessary, legal measures to remedy or mitigate the reported risk.

For security, confidentiality or supervisory reasons, information on the status of processing in individual cases can only be communicated to the reporting person to a limited extent or not at all.

6. No guarantee of implementation and no entitlement to remuneration

Submitting feedback or suggestions does not entitle the person submitting them to:

• the feedback will be reviewed,
• it will be implemented,
• individual feedback will be provided,
• remuneration, compensation or other consideration will be granted.

SCANDIC FINANCE GROUP LIMITED and the named cooperation partners shall decide at their own discretion and in accordance with supervisory law, risk assessment, technical possibilities and strategic orientation whether and in what form a submitted suggestion will be implemented.

7. Rights to submitted suggestions

By submitting feedback and suggestions, the person submitting them declares:

1. that they are authorised to submit the content in question,
2. that the submission does not infringe any third-party rights (in particular copyright, trademark, personal rights, data protection or trade secret rights),
3. that SCANDIC FINANCE GROUP LIMITED and the named cooperation partners are entitled to use the feedback and the ideas contained therein worldwide, for an unlimited period of time and free of charge for the following purposes:
   • evaluation, further development and implementation in existing or future products and services,
   • internal documentation, compliance and risk management processes,
   • quality assurance, training and audits.

There is no entitlement to be named as the originator of the idea or co-author, unless expressly agreed otherwise in writing.

8. Confidentiality, data protection and compliance

SCANDIC FINANCE GROUP LIMITED treats all incoming feedback in accordance with the applicable privacy policy and relevant data protection regulations.

The person submitting the feedback is requested

• not to transmit any sensitive personal data of third parties without being asked to do so,
• not disclose any confidential business secrets of third parties,
• always observe the principles of proportionality, data minimisation and purpose limitation when reporting incidents.

Where there are legal or regulatory disclosure and retention obligations (e.g. to supervisory authorities, law enforcement agencies or other public bodies), SCANDIC FINANCE GROUP LIMITED may be required to disclose certain information.

9. Distinction from support, complaints and legal proceedings

The "Product Feedback & Suggestions" section is expressly not intended for:

• individual support cases (e.g. regarding account balances, transactions, access),
• formal complaints within the meaning of the Complaints and Dispute Resolution Policy,
• legally relevant disputes or deliveries,
• reports that must be made within the framework of special legal procedures (e.g. whistleblower protection, money laundering or sanctions reports).

Separate channels are available for these topics, as described in the respective guidelines and on the official websites.

SCANDIC FINANCE GROUP LIMITED reserves the right to forward incoming messages that clearly do not fall within the scope of "Product Feedback & Suggestions" to the relevant internal departments or to refer the person submitting the message to the appropriate communication channel.

10. Scope and updates

These regulations for the "Product Feedback & Suggestions" section apply worldwide to:

• SCANDIC FINANCE GROUP LIMITED as an operating entity,
• the cooperation structures mentioned at the top of this section,
• all brands and platforms of the SCANDIC brand ecosystem, insofar as these provide products or services with feedback functionalities.

SCANDIC FINANCE GROUP LIMITED reserves the right to adapt this section at any time to changed regulatory requirements, internal governance standards, technical developments and strategic requirements. The current version will be made available via the official communication channels and websites.