Legal

Cookie Policy

Last updated: Jan 18, 2022

This Cookie Policy explains how Scandic Capitals GmbH (“we”, “us”, or “our”) uses cookies and similar tracking technologies on our website. By accessing and using our website, you consent to the use of cookies as described in this policy.

What are Cookies?

Cookies are small text files that are placed on your computer or device when you visit a website. They store certain information about your browsing activities, preferences, and interactions with the website. Cookies allow websites to remember your actions or settings, enabling a more personalized and efficient user experience.

How We Use Cookies

We use cookies for various purposes, including but not limited to:

1. Essential Cookies: These cookies are necessary for the proper functioning of our website. They enable core functionalities such as accessing secure areas and navigating between pages. Without these cookies, certain services or features may not be available.
2. Analytics Cookies: We use analytics cookies to collect information about how visitors use our website. This data helps us understand website traffic, identify popular pages, and improve overall user experience.
3. Functional Cookies: Functional cookies enhance the functionality of our website and allow us to remember your preferences, such as language selection and font size.
4. Marketing and Advertising Cookies: These cookies are used to deliver relevant advertisements to you based on your interests. They also help us measure the effectiveness of our marketing campaigns.

Third-Party Cookies

Some cookies on our website may be placed by third-party service providers, such as analytics or advertising partners. These parties may use cookies to collect information about your browsing activities across different websites.

Your Cookie Choices

By default, most web browsers automatically accept cookies. However, you have the option to manage your cookie preferences. You can typically adjust your browser settings to block or delete cookies. Please note that blocking or deleting cookies may impact your user experience on our website and may limit access to certain features.

To learn more about managing cookies, visit the help section of your web browser or visit www.allaboutcookies.org.

Updates to this Policy

We may update this Cookie Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The “Last updated” date at the beginning of this policy indicates when the most recent changes were made.

Contact Us

If you have any questions or concerns about our Cookie Policy, please contact us at:

Scandic Capitals GmbH

Esplanade de Pont-Rouge 9A, 1212 Lancy, Switzerland

Weekdays 8am – 4pm (GMT+2)

+41 4424581

+41 4424582

Email: [email protected]

CHE-105.581.655

S

Privacy Policy

Last updated: December 2, 2022

Scandic Capitals GmbH (“we”, “us”, or “our”) is committed to protecting the privacy and confidentiality of the personal information you provide to us. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal data in connection with our brokerage services and website. By accessing our website or using our services, you consent to the practices described in this policy.

Information We Collect

We may collect various types of personal information, including but not limited to:

1. Contact Information: Name, email address, phone number, postal address, and other contact details.
2. Financial Information: Bank account details, payment card information, and other financial data required for transactions.
3. Identification Information: Government-issued identification, tax identification numbers, and other documents to comply with regulatory requirements.
4. Investment Preferences: Information about your investment goals, risk tolerance, and financial objectives.
5. Website Usage Data: Information about your interactions with our website, such as IP address, browser type, pages visited, and referring URL.

How We Use Your Information

We use the personal information we collect for the following purposes:

1. Service Provision: To provide brokerage services, process transactions, and fulfill your investment requests.
2. Communication: To communicate with you, respond to inquiries, and send important updates related to your investments.
3. Legal Compliance: To comply with applicable laws, regulations, and reporting requirements.
4. Marketing: To provide you with information about our products, services, and investment opportunities that may be of interest to you.

Information Sharing

We may share your personal information with third parties under the following circumstances:

1. Service Providers: We may engage trusted service providers to assist with certain aspects of our operations, such as payment processing or customer support.
2. Regulatory Compliance: We may disclose personal information to comply with legal obligations, respond to lawful requests, or protect our rights and interests.
3. Business Transfers: In the event of a merger, acquisition, or sale of assets, personal information may be transferred as part of the transaction.

Data Security

We implement reasonable security measures to protect your personal information from unauthorized access, disclosure, or alteration. However, no method of data transmission over the internet or electronic storage is entirely secure. We cannot guarantee the absolute security of your information.

Your Privacy Choices

You have the right to access, correct, or delete your personal information held by us. If you wish to exercise these rights or opt-out of certain data processing activities, please contact us at +41 4424581 /
+41 4424582 email [email protected] Please note that certain requests may be subject to legal or contractual restrictions.

Updates to this Policy

We may update this Privacy Policy periodically to reflect changes in our practices or for other operational, legal, or regulatory reasons. The “Last updated” date at the beginning of this policy indicates when the most recent changes were made.

Contact Us

If you have any questions or concerns about our Privacy Policy or the handling of your personal information, please contact us at:

Scandic Capitals GmbH

Esplanade de Pont-Rouge 9A, 1212 Lancy, Switzerland

Weekdays 8am – 4pm (GMT+2)

+41 4424581

+41 4424582

Email: [email protected]

CHE-105.581.655

 

Last updated: December 2, 2022

Scandic Capitals GmbH (“we”, “us”, or “our”) is committed to complying with all applicable anti-money laundering laws, regulations, and guidelines. This Anti-Money Laundering Compliance Policy outlines our commitment to prevent money laundering and the financing of terrorism. By accessing our brokerage services or using our website, you acknowledge and agree to adhere to the practices described in this policy.

Purpose

The purpose of this AML Compliance Policy is to:

1. Identify and Verify Customers: We will implement robust customer identification and verification procedures to ensure the identity of our customers and beneficial owners.

2. Monitor and Report Suspicious Activities: We will monitor and report any suspicious activities that may indicate potential money laundering or terrorist financing.

3. Employee Training: We will provide regular training to our employees to enhance their awareness of money laundering risks and their responsibilities in complying with AML laws and regulations.

4. Record Keeping: We will maintain accurate and up-to-date records of customer transactions and identification documents as required by law.

5. Compliance Oversight: We will designate a compliance officer responsible for overseeing AML compliance efforts and reporting directly to senior management.

Customer Due Diligence (CDD)

We will conduct Customer Due Diligence (CDD) procedures on all new and existing customers to verify their identities and assess the risk associated with each relationship. CDD procedures may include obtaining identification documents, verifying the source of funds, and understanding the purpose of the customer’s transactions.

Enhanced Due Diligence (EDD)

For customers deemed to be of higher risk, we will implement Enhanced Due Diligence (EDD) measures, which may include obtaining additional information, conducting ongoing monitoring, and obtaining senior management approval for the business relationship.

Reporting Suspicious Activities

We are committed to promptly reporting any suspicious activities to the appropriate regulatory authorities as required by law. Our employees are trained to recognize and report red flags and indicators of potential money laundering or terrorist financing.

Record Keeping

We will maintain records of customer transactions and identification documents in accordance with applicable laws and regulations. These records will be securely stored and made available to regulatory authorities upon request.

Employee Training

We will provide regular training to our employees to ensure they understand their AML compliance obligations and are aware of the latest developments in AML laws and regulations.

Non-Compliance

Non-compliance with this AML Compliance Policy may result in disciplinary action, including termination of employment or termination of business relationships.

Contact Us

If you have any questions or concerns about our AML Compliance Policy, please contact us at:

Scandic Capitals GmbH

Esplanade de Pont-Rouge 9A, 1212 Lancy, Switzerland

Weekdays 8am – 4pm (GMT+2)

+41 4424581

+41 4424582

Email: [email protected]

CHE-105.581.655

• ce
• Any investment decision in real estate of an individual will always remain the responsibility of that individual solely

Welcome to Scandic Capitals! These Terms of Service (“Terms”) govern your use of our website, mobile application, and related services provided by Scandic Capitals (“we,” “our,” or “us”). By accessing or using our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please refrain from using our services.

Use of Services
1.1 Eligibility: You must be at least 18 years old and have the legal capacity to enter into agreements to use our services. If you are accessing our services on behalf of an entity, you must have the necessary authority to represent and bind that entity.

1.2 Account Registration: To access certain features of our services, you may be required to create an account. You are responsible for providing accurate and up-to-date information during the registration process, and you agree to keep your account information secure and confidential. You must promptly notify us of any unauthorized use or breach of your account.

Financial Services
2.1 Investment Risks: Scandic Capitals provides financial services, including investment advice and portfolio management. All investments carry inherent risks, and the value of investments can fluctuate. We do not guarantee any specific investment results or returns.

2.2 Personalized Advice: Our services may include personalized investment advice based on your financial situation and goals. However, we do not provide legal, tax, or accounting advice. You should consult with your own advisors regarding specific legal, tax, or accounting matters.

2.3 Third-party Products and Services: Our services may include links to third-party products or services. We do not endorse, warrant, or assume responsibility for the accuracy, reliability, or legality of any third-party content or offerings.

Prohibited Conduct
When using our services, you agree not to:

3.1 Violate any applicable laws or regulations.

3.2 Infringe on our intellectual property rights or the rights of others.

3.3 Engage in fraudulent, deceptive, or misleading activities.

3.4 Use our services to distribute unsolicited commercial communications (spam).

3.5 Interfere with the security, integrity, or performance of our services.

3.6 Engage in any conduct that may adversely affect other users or our services.

Intellectual Property
4.1 Ownership: All content and materials provided through our services, including text, graphics, logos, images, and software, are the property of Scandic Capitals or its licensors and are protected by copyright and other intellectual property laws.

4.2 Limited License: Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our services for personal, non-commercial purposes.

Privacy
Your privacy is essential to us. Please refer to our Privacy Policy for information on how we collect, use, and disclose your personal information.

Modifications to the Terms
We reserve the right to update or modify these Terms at any time without prior notice. Any changes will be effective immediately upon posting on our website. Your continued use of our services after any such changes constitute your acceptance of the revised Terms.

Termination
We may suspend or terminate your access to our services at our sole discretion if we believe you have violated these Terms or applicable laws.

Disclaimer of Warranties
Our services are provided on an “as-is” and “as available” basis. We make no warranties or representations, express or implied, regarding the accuracy, reliability, or completeness of our services.

Limitation of Liability
To the extent permitted by law, Scandic Capitals and its affiliates shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with your use of our services.

Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of [Jurisdiction]. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts in [Jurisdiction].

Contact us:
If you have any questions or concerns about these Terms,

Effective Date: November 25, 2020

Agent Licensing Information:
SCANDIC CAPITALS GmbH is a licensed real estate brokerage operating in compliance with all relevant state and federal laws. Our agents are licensed professionals who adhere to the highest ethical standards and are committed to providing exceptional service to our clients. For specific licensing information, you may contact the State Real Estate Commission.

Fair Housing Statement:
SCANDIC CAPITALS GmbH is committed to promoting fair housing practices and ensuring equal access to housing opportunities for all individuals, regardless of race, color, religion, sex, national origin, familial status, disability, or any other protected status under applicable laws. We adhere to the principles of the Fair Housing Act and affirmatively support the right to fair housing.

Equal Opportunity Employment Statement:
SCANDIC CAPITALS GmbH is an equal opportunity employer and strives to create a diverse and inclusive work environment. We do not discriminate against any employee or job applicant based on race, color, religion, sex, national origin, age, disability, or any other protected status under applicable laws. We value the talents and contributions of all team members and are committed to fostering an atmosphere of mutual respect and understanding.

Copyright Notice:
All content and materials on this website [or other applicable platforms] are protected by copyright laws and are the property of SCANDIC CAPITALS GmbH unless otherwise indicated. Unauthorized use, reproduction, or distribution of any content without our explicit permission is strictly prohibited.

Testimonials and Reviews Disclaimers:
Testimonials and reviews appearing on our website [or other applicable platforms] are individual experiences and do not guarantee or represent future results. The opinions expressed in testimonials and reviews are solely those of the individuals and do not reflect the views or opinions of SCANDIC CAPITALS GmbH We do not verify the accuracy or authenticity of the testimonials and reviews and disclaim any responsibility for their content.

Anti-Spam Policy:
SCANDIC CAPITALS GmbH prohibits the use of our contact information, including email addresses, for unsolicited commercial purposes. We do not condone spamming practices and are committed to complying with all anti-spam laws and regulations. If you receive unsolicited communications from anyone claiming an affiliation with SCANDIC CAPITALS GmbH, please report it to us immediately.

Data Protection and Security Measures:
SCANDIC CAPITALS GmbH takes data protection and security seriously. We implement industry-standard measures to safeguard your personal information and ensure its confidentiality. However, we cannot guarantee the absolute security of data transmitted over the internet or stored electronically. By using our services, you acknowledge and accept the inherent risks associated with data transmission and storage.

Third-Party Links Disclaimer:
Our website [or other applicable platforms] may contain links to third-party websites for your convenience or reference. These links do not imply endorsement or affiliation with the linked sites. We are not responsible for the content, privacy practices, or accuracy of information on third-party websites. Your access and use of third-party links are at your own risk.

Earnings Disclaimer
Any statements regarding potential earnings or income on this website [or other applicable platforms] are illustrative and should not be considered as guarantees of future results. Individual earning potential may vary based on various factors, including effort, skill, and market conditions. We do not guarantee any specific earnings and disclaim any liability for financial decisions made based on information provided on our website. It is essential to conduct your own research and consult with appropriate professionals before making financial decisions.