Complaints

Complaints handling policy
Karakter Invest SICAV-FIS S.A. has implemented procedures for managing customer complaints which complies with the
requirements of CSSF Regulation 16-07 relating to the out-of-court resolution of complaints.
A complaint is an expression of dissatisfaction received whether oral or written from or on behalf of an eligible complainant,
about the firm’s provision of or failure to provide a financial service. A request for information, clarification or service is not a complaint.
In this context, any complaint concerning the funds or management company must be sent to:
- Karakter Invest SICAV-FIS S.A.
  To the attention of the Compliance Officer
  2, rue d’Alsace
  L-1122 Luxembourg
  Grand-Duché de Luxembourg
Karakter Invest SICAV-FIS S.A. will treat your complaint as follows:
• An acknowledgement letter or email will be sent to you within ten business days as of the receipt of the complaint if the
complaint cannot be closed before this timeline.
In all cases, the response must be provided within a period not exceeding one month after the date of receipt of the complaint.
When no response can be provided within one month, the person responsible for processing complaints will inform the
complainant of the causes of the delay and indicate the date on which his/her review is likely to be finished.
Karakter Invest SICAV-FIS S.A. informs its customers of the existence of the out-of-court dispute settlement procedure with the Commission de Surveillance du Secteur Financier (“the CSSF”), the Luxembourg financial services regulator.
Where a complainant did not receive a response or satisfactory response within one month of a complaint being submitted to Karakter Invest SICAV-FIS S.A., the complainant can refer his/her complaint to the CSSF within a period not exceeding one
year after the date of filing of his/her complaint with Karakter Invest SICAV-FIS S.A. by the following means:
- • either by mail addressed to :
  Commission de Surveillance du Secteur Financier
  283, route d’Arlon
  L-2991 Luxembourg
  • or by fax to +352 26 25 1-2601 or by e-mail at the following address: reclamation@cssf.lu.

JP Morgan, Amerikaans bankier, 1927

“Bij kredietverlening draait het niet in de eerste plaats om geld of vastgoed. Nee meneer, het belangrijkste is karakter. Dat is belangrijker dan al het andere. Geen geld ter wereld kan dat kopen.”