Complaints & Whistleblowing

Celsion Bank is committed to conducting its business in accordance with applicable legal and regulatory requirements and to maintaining the highest standards of integrity, transparency and client protection.

To support these principles, Celsion Bank provides dedicated channels for the submission of complaints and whistleblowing reports. All submissions are handled in a structured, impartial and confidential manner in accordance with applicable legal and regulatory requirements.

Complaints

Celsion Bank maintains appropriate and effective procedures for the fair, transparent and timely handling of complaints submitted by clients or other affected parties.

A complaint may relate to any dissatisfaction regarding the provision of services, including but not limited to:

• crypto-asset services within the meaning of Regulation (EU) 2023/1114 (MiCAR)  
• execution or processing of transactions  

• operational processes or service delivery  

• contractual terms, fees or charges  

• communication or professional conduct  

• potential breaches of legal or regulatory obligations  

Upon receipt of a complaint, Celsion Bank will:

• register the complaint in its internal complaints handling framework  

• acknowledge receipt within an appropriate timeframe  

• assess the matter objectively, consistently and impartially  

• request additional information where necessary  

• provide a reasoned response within a reasonable period  

• implement remedial measures where appropriate  

Complaints are handled in accordance with applicable legal and regulatory requirements, including MiCAR where relevant. Records of complaints are maintained for supervisory, governance and audit purposes.

File a complaint

Whistleblowing

Celsion provides a dedicated and secure channel for reporting concerns regarding actual or suspected misconduct, breaches of applicable laws or regulations, violations of internal policies or other serious irregularities.

The whistleblowing framework is implemented in accordance with the principles of Directive (EU) 2019/1937 on the protection of persons who report breaches of Union law (“EU Whistleblowing Directive”).

Reportable matters may include:

• breaches of applicable laws or regulatory requirements
• financial crime, including money laundering or terrorist financing
• fraud or other criminal conduct
• market abuse or manipulation
• conflicts of interest
• breaches of internal policies or governance standards
• breaches of data protection or confidentiality obligations
• conduct that may endanger clients, employees, the company or the integrity of financial markets

Reports may be submitted by employees, former employees, job applicants, contractors, service providers, clients or other third parties.

Where permitted by applicable law, reports may also be submitted anonymously.

Celsion ensures that:

• the confidentiality of the reporting person and any third parties mentioned in the report is protected
• access to reports is restricted to authorised persons only
• reports are assessed independently and diligently
• appropriate follow-up measures are taken where necessary
• reporting persons acting in good faith are protected against retaliation in accordance with applicable law.

Reports are processed in accordance with applicable legal retention and data protection requirements.

Submit a Whistleblowing Report