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Complaints Procedure

Version 0.1 draft·Effective 2026-05-27

We take complaints seriously and we publish this procedure in line with MiCA Art. 75 (handling of complaints) read with Art. 68 (organisational requirements). Even though Predikt is not a licensed CASP today, we apply the same standard voluntarily, because a working complaints loop is the only way to catch what we got wrong.

1. How to file a complaint

You can file a complaint in two ways. Both reach the same intake queue and both create a ticket with a tracking reference.

2. Service-level commitments

3. What happens internally

  1. Intake — your complaint is logged in our complaints register with a unique reference.
  2. Triage — a triage officer classifies the complaint (trade execution, geo-block, fee, AI fair-value, GDPR, other) and routes it.
  3. Investigation — the assigned owner gathers evidence, including the audit log entry for the relevant trade if applicable.
  4. Response — we respond in writing, in the language of your complaint where reasonably possible.
  5. Closure — the case is closed only after you confirm the response, or after 14 days of silence following the substantive response.

4. Escalation if you are unhappy with our response

You have a right to escalate. The right forum depends on where you live and what kind of issue you have.

5. File a complaint now

The form below posts directly to our intake endpoint. It works without JavaScript — the page reloads with your reference number on success.

ISO 3166-1 alpha-2 (two letters). Used only to route to the right regulator.

20 to 5,000 characters. We log the timestamp and an anonymised client fingerprint. No IP address is stored in plain text.

6. Complaints register and transparency

We maintain an internal complaints register reviewed quarterly. Once we cross 100 closed cases, we will publish anonymised quarterly summary statistics — count by category, median response time, resolution rate — on the Transparency page.

Draft note (2026-05-27): Procedure subject to external counsel review and Estonian Financial Supervision Authority guidance. Targets reflect MiCA Art. 75 Level 1 expectations and will be hardened as the Level 2 RTS/ITS are published.