Kuflink's Environmental, Social and Governance ESG Page
Environmental
Our environmental indicator relates to areas of our performance that have an environmental impact.
| # | ESG Topic | Impact | What we're doing |
|---|---|---|---|
| 1 | Reduce paper | Low | We have made tremendous leaps into moving into the cloud and minimising the need for paper in the office. Being a FinTech business we feel it is achievable to go fully paperless within the year. |
| 2 | Cycle-to-work Programs | Medium | We have set this offering up for our employees and hope to see people take this up soon. |
| 3 | Energy Efficient Offices | High | Our current office premises has an EPC rating of C. |
| 4 | Development Loans - Element of Green - solar, car chargers | High | We work with many different property developers who work on anything from refurbishments to brand new housing estates, we will shortly be publishing how green some of these are, watch this space! |
| 5 | Electric Charger at the Office and BCP Address | High | We have Electric charging points both at the Head Office premises and also at our Business Continuity Site (from August 2021). |
| 6 | We expect to achieve Net Zero carbon emissions by 2030 | High | Migrate remaining systems to the Cloud, fund green innovation, fund green innovation in property developments, give clients better information when they make decisions, Build carbon-free head office and use AI technologies to enhance our algorithms and effect efficiencies. |
EPC for Kuflink's Head Quarters
| # | Total Floor Area | EPC Rating |
|---|---|---|
| 1 | 102 Square Metres | C (Target B by 2030) |
| 2 | 403 Square Metres | C (Target B by 2030) |
Social
Our social indicator relates to areas of our performance in respect of our management of relationships with employees, suppliers, customers and the communities within which we operate.
| # | ESG Topic | Impact | What we're doing |
|---|---|---|---|
| 1 | Vulnerable customers | Medium | We are continually working to ensure we incorporate vulnerability considerations into the way we do business be that by tailoring our communications with people, making our products easy to understand and having dedicated people for our customers to talk to. |
| 2 | Employee training | Low | We train all our staff to ensure they can deliver the best possible service to our customers, we equip them with the knowledge they need to effectively carry out their roles and we ensure they undertake all the relevant training in order for us to remain compliant in all we do. |
| 3 | Develop Socially responsible products | High | We work with many different property developers who work on anything from refurbishments to brand new housing estates, we will shortly be publishing how green some of these are, watch this space! |
| 4 | Health and wellbeing of colleagues | Medium | It's no secret that a healthy workforce is a more productive workforce, we ensure we regularly ask our people what they want from the business and how we can improve. We want to ensure they are happy in their environment and we want people to want to be here with us. |
| 5 | Financial Wellbeing of colleagues | Medium | We encourage people to undertake qualifications that will help them in their role and we fund this to help them and us. We also do financial educational training. |
| 6 | Adaptation to ways of working due to the pandemic | Medium | We have adopted a flexible working environment as we appreciate that no two people are the same. We let our team work from home one day a week if they choose to and they can change their working hours if they need to. |
| 7 | Access to skills | Medium | We have a lot of experts in their fields within the business who are able to offer training and we have regular training sessions for all compliance topics. We encourage people to continually learn and so should there be specific courses they want to do, we will look at it for them. |
| 8 | Charity and Community Support | Medium | We currently sponsor The Morrow Stadium - Ebbsfleet United Football club and have done for many years now. We have three staff members who act as Trustees on The Morrow Foundation, whose objectives are to support community-focused projects for the youth, the advancement of education, the advancement of amateur sport, the advancement of health or the saving of lives. |
| 9 | Modern Slavery Statement | Medium | Voluntary slavery and human trafficking statement. Voluntarily Implemented 20/03/2025. |
| 10 | Code Of Ethics (Adopted 30/01/2022) | Medium | 1. You must comply with this Code and all relevant laws and regulations. 2. You must act with the highest ethical standards and integrity. 3. You must act in the best interests of each client. 4. You must provide a high standard of service. 5. You must treat people fairly regardless of age, disability, gender reassignment, marriage and civil partnership, pregnancy and maternity, race, religion and belief, sex, or sexual orientation. |
| 11 | Financial Conduct Authority Principles | Medium | 1. Integrity 2. Skill, care and diligence 3. Management and control 4. Financial prudence 5. Market conduct 6. Customers' interests 7. Communications with clients 8. Conflicts of interest 9. Customers: relationships of trust 10. Clients' assets 11. Relations with regulators. |
| 12 | Employee satisfaction index | Medium | The employee satisfaction index measures the extent to which employees report that they are happy working at Kuflink. 95% (Feb 2022), 100% (Jun 2022), 100% (May 2024 - Sunday Times Best Place to Work 2024). |
Governance - Authorised and Regulated by the Financial Conduct Authority
| # | Company | Co No | Incorporated | Model | FRN | FCA Since |
|---|---|---|---|---|---|---|
| 1 | Kuflink Ltd | 08460508 | 25/03/2013 | Online P2P platform | 724890 | 27/04/2017 |
| 2 | Kuflink Home Loans Ltd | 07817421 | 20/10/2011 | Regulated mortgage loans | 571773 | 06/06/2012 |
| 3 | Kuflink One Ltd | 12206864 | 13/09/2019 | Registered Account Information Service Provider (AISP) Open Banking | 922026 | 17/04/2020 |
Disclaimer: The above Information contains tables and other statistical analyses that Kuflink has prepared. We have used numerous assumptions in preparing this statistical Information, which may or may not be reflected in the material. The statistical information should not be construed as legal, tax, investment, financial, or accounting advice. The Information is provided as of the dates shown and is subject to updating and revision, and may change materially without notice. Subject to applicable regulations, no person is under any obligation to update or revise the Information. The Information may contain various forward-looking statements, which are statements that are not historical facts and that reflect Kuflink's beliefs and expectations with respect to future events and financial and operational performance. Nothing contained within the Information is or should be relied upon as a warranty, promise, or representation, express or implied, as to the future performance of any loans. Any historical Information contained in this statistical information is not indicative of future performance.