Communication

Communication is the building block of prosperous collaboration.Therefore, we expect both our colleague and customers to adhere to the appropriate policies.

Given that Silver Moon also appears on community portals, this section of the Code of Ethics sets out the requirements for all actors whose opinions are made public, either in writing or orally. Violation of this point will result in termination of communication. (So will not be our colleague anymore, and we don’t want to stay in touch with you anymore.)

Respect for each other

We strive to create an environment where individual differences are accepted and valued.

Discrimination is prohibited, in particular

  • sex;
  • age;
  • marital status;
  • skin color;
  • national or ethnic origin;
  • religious, political beliefs;
  • the disability;
  • discrimination based on sexual orientation.

Advertising

Advertising of various products and services is prohibited. This can only be waived in exceptional cases with prior administrative permission.

This applies to everyone. Just as you will not receive unsolicited advertising from us, this behavior is also expected from contributors.

Prohibition of harassment

We do not accept behavior from anyone that is based on intimidation of anyone.

Especially if you take advantage of this to persuade others to make a decision that is detrimental to them or to behave in a way that is incompatible with the law. Therefore, neither our colleague nor other actors on the community portal can persuade anyone to sign a contract by fearing, threatening, or anticipating a loss with untrue information.

Everyone is prohibited from engaging in any activity, whether verbal or otherwise, which has as its object or effect

  • violates the dignity of a person,
  • intimidating for her/his,
  • hostile,
  • degrading,
  • assailant
  • creates an embarrassing or offensive environment.

What does this mean for you in everyday life?

The right to fist shake ends at the tip of the other nose.
“Push” and spam are prohibited.
In tone, we only and exclusively accept communication from our colleagues and from you that we would like to see in return. Whoever does not adhere to this will part with our ways.

 

General expectations of our colleagues

It is expected to follow the guidelines set by the Hungarian National Bank during the consultation.

Due to the preservation of social responsibility, professional recognition and credibility, the expectation towards the members of the group is in force compliance with legislation and ethical standards of conduct in accordance with the general value judgment.

Our goal is to serve the common good, so our work

  • honestly,
  • in a fair way
  • fairly,
  • impartially,
  • free from unauthorized interference,
  • to the best of our knowledge, we do so responsibly

In order to develop our professional skills, we do everything we can expect.

What does this mean for you in everyday life?

We strive to do our work ethically according to the general value judgment.

 

Expectation of the profession

The role of a consultant is to help the client achieve their goals in the financial field. Avoid taking on responsibilities that could lead to a conflict of interest.

We do not knowingly undertake work on our own for which we do not have sufficient knowledge and competence, if necessary we ask for the help of a colleague with the appropriate experience and qualifications.

We hold the privacy of your personal information in the highest regard. Our colleagues act in the interests of the client, accordingly:

  • We do not abuse the client’s incomplete knowledge and inexperience.
  • We provide feedback to clients that is professionally relevant, objective and up to date.
  • We give an authentic picture of competitors and other market participants.
  • When making an offer, we provide the customer with a sufficient amount of information and avoid deception.

Prohibition of deception

All forms of deception or misrepresentation are prohibited.

It is considered deception, so it is especially forbidden to:

  • making a false or misleading fact as to the contract or service in question,
  • withholding material circumstances related to the contract (such as: information on the payment of fees and non-payment of fees, or the area of ​​risk-taking)
  • a false comparison that captures individual items,
  • the use of threats or other psychological pressure beyond the presentation of legal consequences,
  • setting uncontrollable or highly unpredictable conditions in the long run (inflation rate, investment returns) as a fact,
  • verbal promise or information other than written documents,
  • in the case of a tender, the false appearance is that the conclusion of the contract is obligatory.

Prohibition of reputational damage

It is prohibited to damage or endanger the reputation or creditworthiness of anyone by claiming or rumoring an untrue fact or by presenting a real fact in a false color, as well as by other conduct.

In particular, the following are considered to be reputational damage:

  • a statement that belittles the competitor, its operation and market role, and doubts its business and professional reliability,
  • a statement of fact which is not, or can only be, verified at the cost of a serious and unfair prejudice to the interests of a competitor,
  • rumor of information that may be capable of undermining confidence in a competitor.

What does this mean for you in everyday life?

Colleagues from the Silver Moon group come to you professionally prepared.
In the course of their work, they will do their utmost to provide you with objective information and to make you an offer that is beneficial and transparent to you. You either accept the offer of your own free will or you do not.

 

Information, data and confidentiality protection

It comes from our duties that we also have non-public data and information classified as business secrets or for other reasons. One of the basic conditions of the relationship of trust with our customers is that we strictly keep business secrets and confidential information about them.

Our colleagues are expected to ensure in their day-to-day work that their paper-based or electronic materials, which contain banking, securities, trade secrets or confidential information, do not remain unauthorized in a place and condition accessible to them. In addition, the information they become aware of in the course of their work should be handled responsibly within their competence.

Any transfer of data other than public data to third parties may only take place within the framework of data protection legislation.

The following laws protect the protection of business secrets and information obtained during financial conversations:

  • the Civil Code,
  • the Penal Code,
  • Laws on Credit Institutions and Financial Undertakings, Investment Firms and Commodity Exchange Service Providers and the Rules on the Activities They May Carry Out,
  • laws on the protection of business secrets,
  • capital market laws

What does this mean for you in everyday life?

We store personal data about you and other necessary information (eg what contract you have) in a specially designed, password-protected place.
Anything you share with us, either orally or in writing, can only be passed on to someone else in the following two cases:

  • if you have given permission to do so
  • written prompt by authorities (regulated by separate legislation)