Executive Summary
- Goal: Ensure equal access to information and services for all users, including those with disabilities.
- Compliance: Aligned with BFSG (Germany), EAA (EU), and WCAG 2.1 Level AA.
- Measures: Implemented keyboard navigation, screen reader support, high contrast, and accessible forms.
- Commitment: Continuous improvement through regular audits and user feedback.
- Feedback: Dedicated contact channels for reporting accessibility barriers.
SCANDIC FINANCE GROUP LIMITED by Scandic Banking Hong Kong
Room 10, Unit A, 7/F
Harbour Sky, 28 Sze Shan Street
Yau Tong, Hong Kong, SAR - PRC
Phone: Swiss HQ, Zurich: +41 44 7979 99 – 85
Email: Office@ScandicFinance.Global
Commercial register: Link
are committed to providing accessible digital services for all users, including people with disabilities. Our goal is to ensure equal access to information, functions and services.
We are guided by the legal requirements of the Accessibility Enhancement Act (BFSG), the European Accessibility Act (EAA) and other relevant national and international standards.
For us, accessibility is not only a legal obligation, but also a central component of our corporate philosophy to create an inclusive user experience.
Overview
Accessibility is regulated by a combination of national and European regulations. The relevant laws and standards are listed and explained below:
1. Accessibility Enhancement Act (BFSG)
• Purpose and scope: The BFSG is a law of the Federal Republic of Germany that primarily regulates the implementation of the European Accessibility Act (EAA) into national law. It will come into force on 28 June 2025 and obliges private providers of services and products, including websites, to ensure accessibility.
• Relevant paragraphs:
- – § 1 BFSG – Purpose: The aim is to remove and prevent barriers for people with disabilities in order to promote their participation in social life.
- – § 3 BFSG – Requirements for services: Websites and mobile applications must be accessible to ensure access for all.
- – § 4 BFSG – Technical standards: Refers to compliance with the European standard EN 301 549, which in turn integrates WCAG 2.1 Level AA.
• Significance: From the effective date, all content and functions of our website must comply with the technical requirements in order to be legally compliant and not exclude users with disabilities.
2. European Accessibility Act (EAA) – Directive (EU) 2019/882
• Purpose and scope: The EAA is an EU directive that harmonises minimum requirements for the accessibility of products and services throughout the EU. It applies to private companies and supplements existing regulations for the public sector.
• Relevant provisions:
- – Article 2 – Scope: Covers digital services such as websites and mobile applications.
- – Article 4 – Accessibility requirements: Specifies that these services must be accessible to people with disabilities.
- – Article 7 – Technical specifications: Refers to compliance with EN 301 549 as a binding standard.
• Broader significance: The EAA ensures that our website is accessible not only in Germany but throughout the EU, which is essential for an internationally oriented company.
3. EN 301 549 – Accessibility requirements for ICT products and services
• Definition: EN 301 549 is a European technical standard that specifies the requirements for accessibility of information and communication technologies (ICT), including websites.
• Relevant sections:
- – Chapter 9 – Web: Requires websites to comply with WCAG 2.1 Level AA.
- – Chapter 11 – Software: Applies to mobile applications and interactive elements.
- – Annex A: Detailed technical criteria for implementation.
• Significance: This standard forms the technical basis for the accessibility of our website and serves as a guideline for the development and testing of our digital content.
4. Web Content Accessibility Guidelines (WCAG) 2.1
• Definition: The WCAG 2.1 are internationally recognised guidelines from the World Wide Web Consortium (W3C) that make web content accessible to people with disabilities. Level AA is the legally required standard in the EU.
• Basic principles:
- – Perceivable: Content must be accessible to all senses (e.g. alternative text for images).
- – Operable: Navigation and interaction must be easy (e.g. keyboard navigation).
- – Understandable: Content and operation must be clear and comprehensible.
- – Robust: Content must be compatible with various technologies, including assistive technologies.
• Additional significance: Compliance with WCAG 2.1 Level AA is the basis for the technical implementation of our accessibility measures.
5. Disability Equality Act (BGG)
• Purpose and scope: The BGG promotes equality for people with disabilities in Germany and contains accessibility requirements, primarily for public bodies, but also serves as a guide for the private sector.
• Relevant paragraphs:
- – § 4 BGG – Accessibility: Defines accessibility as a fundamental principle.
- – § 12a BGG – Accessible IT: Obliges public authorities to design websites and mobile applications to be accessible.
• Note: Although the BGG does not directly apply to private companies, it underlines the social and legal relevance of accessibility and influences our voluntary measures.
6. EU Directive 2016/2102 – Accessibility of public websites
• Purpose and scope: This directive regulates the accessibility of websites and mobile applications of public bodies and served as a precursor to the EAA.
• Relevant provisions:
- – Article 4 – Requirements: Requires compliance with WCAG 2.1 Level AA.
- – Article 7 – Monitoring: Requires regular accessibility testing. It reflects the general trend towards comprehensive accessibility in the EU and indirectly influences standards for private providers.
7. EN 17161 – Design for All (2019)
• Definition: EN 17161 is a European standard that specifies requirements and recommendations for designing products, goods and services so that they can be used by as many people as possible, including people with disabilities. The standard helps organisations to identify different needs, involve users directly or indirectly, and meet legal requirements for accessibility.
• Significance: EN 17161 promotes the "design for all" approach and extends the scope of accessibility beyond purely technical standards. It supports companies in systematically integrating accessibility into their processes.
• UN Convention on the Rights of Persons with Disabilities (UN CRPD), Article 9:
The UN Convention obliges States Parties to take measures to ensure equal access to the physical environment, transportation, and information and communication, including information and communication technologies and the Internet. States should remove obstacles and barriers and ensure that private providers also take accessibility into account.
• Section 508 of the US Rehabilitation Act:
In 1998, the US Congress amended the Rehabilitation Act of 1973, requiring federal agencies to make their electronic and information technology systems accessible to people with disabilities. Federal agencies must provide employees and the public with access to information comparable to that available to other individuals, and the US Access Board has developed standards for this purpose that are harmonised with the WCAG.
• Americans with Disabilities Act (ADA):
Title II of the ADA prohibits discrimination in all services, programmes and activities of state and local authorities, which must ensure that their communication with people with disabilities is as effective as with other people. Title III requires private companies that are accessible to the public to design their online services and offerings in such a way that people with disabilities can use them fully and equally. The US Department of Justice points out that ADA requirements also apply to web content and recommends the WCAG and Section 508 standards as guidelines.
• Public Sector Bodies Accessibility Regulations 2018 and Equality Act 2010 (United Kingdom):
According to the British government, digital services must fully comply with the Accessibility Regulations 2018 and the Equality Act 2010. Websites and mobile applications should meet the international standard WCAG 2.2 AA and publish an accessibility statement. The Equality Act protects people from discrimination and requires accessibility to be considered from the outset and reasonable accommodations to be made.
• Accessibility for Ontarians with Disabilities Act (AODA) – Canada:
Passed in 2005, the AODA aims to create a fully accessible Ontario by 2025. The regulations on information and communication are based on the WCAG; organisations are obliged to make their websites, apps and digital resources accessible and to comply with WCAG 2.0 Level AA.
• Disability Discrimination Act (DDA) – Australia:
The Australian Human Rights Commission emphasises that the UN Convention on the Rights of Persons with Disabilities guarantees the right of persons with disabilities to full and independent participation, including on the internet. The Commission points out that the WCAG is the most comprehensive international benchmark for accessible web design and that Australia has developed a national transition plan for the implementation of WCAG 2.0.
• ISO/IEC 30071-1:2019:
This international standard is a process-oriented guide to creating accessible ICT products and services. It helps organisations embed accessibility as part of their normal business processes, complementing technical guidelines such as the WCAG.
In order to meet the above legal and technical requirements, the following measures have been implemented:
• Alternative text for images: Every image on our website is provided with descriptive alternative text that makes the content accessible to users with screen readers.
• Keyboard navigation: All functions and interactive elements can be operated entirely via the keyboard to enable people with motor impairments to use the website.
• Customisable display: Users can customise font sizes and contrast to improve readability.
• Transcripts and subtitles: Audio and video content is supplemented by transcripts and subtitles to ensure accessibility for people with hearing impairments.
• Accessible forms: Forms feature clear labels, error messages and help texts that can also be correctly interpreted by assistive technologies.
• Consistent structure: The website uses a logical and consistent structure with semantic HTML to facilitate navigation.
• Colour contrasts: Colours and contrasts comply with WCAG requirements (at least 4.5:1 for normal text) to ensure readability for people with visual impairments.
These measures are regularly reviewed and expanded to meet evolving standards.
Contact us if you encounter accessibility issues
We greatly value your feedback in order to continuously improve the accessibility of our website. If you encounter any obstacles or have any suggestions, please contact us:
SCANDIC FINANCE GROUP LIMITED by Scandic Banking Hong Kong
Room 10, Unit A, 7/F
Harbour Sky, 28 Sze Shan Street
Yau Tong, Hong Kong, SAR - PRC
Phone: Swiss HQ, Zurich: +41 44 7979 99 – 85
Email: Office@ScandicFinance.Global
Commercial register: Link
in cooperation with
SCANDIC ASSETS FZCO
Dubai Silicon Oasis DDP Building A1/A2
Dubai, 342001, United Arab Emirates
SCANDIC TRUST GROUP LLC
IQ Business Centre, Bolsunovska Street 13 – 15
01014 Kyiv, Ukraine
Telephone HQ UK, London: +44 7470 86 92 – 60
Email: Info@ScandicTrust.com
Commercial register extract: PDF
LEGIER BETEILIGUNGS GMBH
Kurfürstendamm 14, 10719 Berlin, Federal Republic of Germany
Commercial register number Berlin: HRB 57837
Our team will process your enquiry promptly and take steps to resolve any issues identified. We aim to respond within a maximum of five working days.
Ongoing commitment to accessibility:
Accessibility is a dynamic process. Despite our efforts to achieve full compliance with the standards mentioned, isolated barriers may occur. We conduct regular audits, both internally and by external experts, and use modern testing tools such as screen readers (e.g. NVDA, VoiceOver) and contrast checkers to identify and remedy weaknesses. Our development team is continuously trained in the latest accessibility practices, and we are committed to constantly optimising our website to meet the needs of all users.
Publication and updating:
This notice is prominently placed in the footer and on a dedicated accessibility page to ensure maximum visibility and accessibility. It is regularly reviewed and updated to reflect changes in legal requirements, technical standards or our accessibility measures.
We thank you for your support and understanding as we work together to create a more inclusive digital world.
Last updated on 1 January 2026.