COMMUNITY RULES

1. Purpose and scope of the community rules

These community rules set out the binding principles of conduct for all online and communication platforms of SCANDIC FINANCE GROUP LIMITED and the SCANDIC brand ecosystem. They apply in particular, but not exclusively, to the following areas:

• Discussion forums, comment sections and rating functions
• Social media and all profiles operated by SCANDIC FINANCE GROUP LIMITED
• Support and help areas, ticket and chat systems
• Webinars, virtual events and other digital formats
• All other digital communication tools that users can use to interact with each other or with SCANDIC FINANCE GROUP LIMITED.

The aim of these rules is to create a respectful, safe, transparent and legally compliant space in which all users can share their opinions and experiences without fear of insults, discrimination, fraud, manipulation or other harmful behaviour.

2. Basic principles of interaction within the community

The following basic principles govern all interactions within the SCANDIC FINANCE GROUP LIMITED community:

• Respect: Every person must be treated with respect, regardless of their origin, language, religion, ideology, gender, sexual orientation, age, financial situation, political views or other characteristics.
• Sense of responsibility: Contributions should be factual, honest and carefully worded. Unconfirmed rumours, deliberate misinformation or misleading content have no place in the community.
• Transparency: Personal interests, especially economic or business interests, must be disclosed if they are relevant to the assessment of a contribution.
• Safety: The safety of all participants always takes priority. Content that may incite violence, hatred or illegal behaviour is strictly prohibited.

3. Protection of intellectual property

All content created and provided by SCANDIC FINANCE GROUP LIMITED, its cooperating companies or contracted third parties is protected by copyright or other legal means. This includes, but is not limited to:

• Logos, trademarks, service marks, pictorial marks and word/picture combinations
• Product and service names
• Layout, structure and design of websites and platforms
• Texts, articles, training content, documentation and other publications
• Graphics, images, videos, audio recordings and other multimedia content.

Users of the community may not use, reproduce, distribute, make publicly available or otherwise exploit any content that is subject to the property rights of third parties or SCANDIC FINANCE GROUP LIMITED without the prior express written consent of the rights holders. Contributions that give the impression of an official cooperation, partnership or recommendation by SCANDIC FINANCE GROUP LIMITED or its affiliated companies, even though such a relationship has not been expressly confirmed by SCANDIC FINANCE GROUP LIMITED, are not permitted.

SCANDIC FINANCE GROUP LIMITED reserves the right to delete allegedly infringing content at its own discretion without prior notice and to take further legal action if necessary.

4. Abuse, insults, discrimination and harassment

The SCANDIC FINANCE GROUP LIMITED community should be a safe place for all users. Therefore, the following behaviours in particular are strictly prohibited:

5. Language, expression and manners

Communication within the community should be factual, clear and polite. Therefore, the following principles apply:

• Avoidance of swear words, vulgar language and deliberately provocative statements
• Careful choice of words to avoid misunderstandings and escalations
• Be open to other opinions, as long as they are expressed respectfully
• Constructive criticism instead of personal attacks.

SCANDIC FINANCE GROUP LIMITED reserves the right to moderate, shorten or remove posts if they violate these principles or significantly disrupt objective discussion.

6. Advertising, promotion and conflicts of interest

The community is primarily intended for the exchange of knowledge, experiences and opinions. It is not an advertising market or a channel for aggressive self-promotion. Therefore, the following rules apply in particular:

7. Spam, mass posts and disruption of the platform

In order to ensure the readability and quality of the community, the following behaviours are prohibited:

• Repeated posting of identical or nearly identical content
• Meaningless posts with no discernible added value
• Excessive use of symbols, emojis or capital letters to attract attention
• Cross-posting the same contribution in numerous areas without objective reason.

Moderators may remove such posts and take further action in the event of repeated violations.

8. Fraud, deception and unfair practices

Any form of fraudulent or deceptive behaviour is strictly prohibited. This includes, in particular:

• Offering or promoting fraudulent investments, systems or projects
• Representing false facts in order to induce others to engage in financial transactions
• Falsifying documents, evidence or identities
• The dissemination of deliberately false information with the aim of controlling the behaviour of others.

If SCANDIC FINANCE GROUP LIMITED becomes aware of possible fraudulent activities, posts may be deleted, accounts blocked and, if necessary, the relevant authorities informed.

9. Market manipulation, information manipulation and multiple accounts

The SCANDIC FINANCE GROUP LIMITED community is not a tool for market manipulation. In particular, the following behaviours are prohibited:

• Deliberately false or misleading statements about financial instruments, projects, tokens or other investment objects
• Organised campaigns to artificially inflate or deflate the reputation of a project or company
• Calls to collectively buy or sell certain assets without any factual basis
• Creating and using multiple accounts to give the impression of greater approval or disapproval.

SCANDIC FINANCE GROUP LIMITED reserves the right to investigate conspicuous activity patterns, block accounts and, in serious cases, report them to the relevant authorities.

10. Illegal content and actions

It is strictly prohibited to use the community or its services for illegal purposes. This applies in particular to:

• Offering, advertising or requesting illegal goods or services
• Publishing content that violates criminal laws or other mandatory legal norms
• Publishing content that incites or glorifies criminal offences
• Using the platform for money laundering, terrorist financing or other criminal activities.

SCANDIC FINANCE GROUP LIMITED investigates suspicious cases and may block or delete content and inform the competent authorities if this is legally required or necessary.

11. Automated use, bots and technical attacks

The use of automated systems or scripts to interact with the community is generally not permitted unless express written permission has been obtained from SCANDIC FINANCE GROUP LIMITED. This includes in particular:

• The automated creation or sending of posts, comments or messages
• The systematic reading of content without complying with technical protection measures
• Repeated accesses that are likely to impair the stability or availability of the services.

Any attempts to circumvent security mechanisms, damage the technical infrastructure or crash the service are strictly prohibited and may result in civil and criminal penalties.

12. Plagiarism, source references and third-party copyrights

When sharing information, analyses or texts, care must always be taken to respect third-party copyrights. The following principles apply:

• Longer passages of text, graphics or other content may only be reproduced with the consent of the copyright holder.
• Reproductions of third-party content should be identified as such.
• Direct copying without consent that creates the impression of original authorship is considered plagiarism and is not permitted.

SCANDIC FINANCE GROUP LIMITED may remove plagiarised content and take further action, including blocking accounts in the event of repeated or serious violations.

13. Protection of personal data and privacy

The protection of personal data is a high priority for SCANDIC FINANCE GROUP LIMITED. Therefore, the following applies in the community:

• Users should not post their own sensitive personal data publicly, in particular full addresses, ID details, bank details or access data.
• Users may not publish other people's personal data without their express consent.
• The publication of email addresses, telephone numbers or wallet addresses may be removed by moderators in order to protect the person concerned.

The relevant data protection regulations, in particular the separately published privacy policy of SCANDIC FINANCE GROUP LIMITED, must be observed in addition to these community rules.

14. Reporting system, moderation and cooperation

SCANDIC FINANCE GROUP LIMITED provides the community with functions that can be used to report problematic content. The following principles apply:

• Content that is conspicuous, potentially illegal or violates these community rules should be reported using the designated reporting functions or contact channels.
• Reports should be as specific as possible so that they can be reviewed quickly.
• Deliberately false or abusive reports may themselves constitute a violation of these rules.

Moderators are authorised to review, edit, move, block or delete content. Moderators may also issue warnings to users, temporarily restrict their access or permanently exclude them from the community if violations are detected.

15. Sanctions for violations of the community rules

In the event of violations of these community rules, SCANDIC FINANCE GROUP LIMITED may, depending on the severity, frequency and impact of the violation, take the following measures in particular:

• Notice or informal warning
• Formal warning with documentation
• Temporary suspension of individual functions (e.g. comment function)
• Temporary account suspension
• Permanent account suspension and exclusion from the community
• Deletion or anonymisation of posts
• Legal action, including civil or criminal proceedings.

The choice of measure is at the discretion of SCANDIC FINANCE GROUP LIMITED. There is no entitlement to the restoration of deleted content or the lifting of a block.

16. Changes and further development of the community rules

SCANDIC FINANCE GROUP LIMITED reserves the right to amend or supplement these community rules at any time in order to reflect new legal requirements, technical developments or changed conditions.

Significant changes will be announced in an appropriate manner. Continued use of the community after the amended rules come into effect constitutes acceptance of the updated provisions.

17. Applicable law and supplementary regulations

These community rules supplement the general terms of use, privacy policy, compliance guidelines and other regulations of SCANDIC FINANCE GROUP LIMITED. In the event of any conflict, mandatory legal provisions shall take precedence over these community rules.

To the extent permitted by law, disputes arising in connection with the use of the community offerings operated by SCANDIC FINANCE GROUP LIMITED shall be governed by the laws of the Hong Kong Special Administrative Region of the People's Republic of China. Mandatory consumer protection provisions of other jurisdictions remain unaffected.

Should individual provisions of these Community Rules be or become invalid in whole or in part, the remaining provisions shall remain unaffected. The invalid provision shall be replaced by a provision that comes as close as possible to the economic purpose of the invalid provision in a legally permissible manner.