Our Ethical Principles

Our Ethical Principles

Our Ethical Principles

1. OBJECTIVE:

The purpose of this procedure is ABC Faktoring A.Ş. Ethical Principles of the Company, internal relations,
all employees and the company; It is a set of indispensable principles that have been created to increase
the efficiency of the relations with customers, suppliers and other stakeholders, increasing the quality
of service, effective use of resources, preventing unfair competition, and regulating relations with
employees.Ethical Principles are in harmony with Company policies, values ​​and principles and all employees,
including the board of directors, committees and managers, must comply. Company personnel must comply with
the Ethical Principles while performing their duties.

2. RESPONSIBILITY:

All our employees are responsible for working in accordance with the determined ethical principles and rules.

3. RULES:

3.1 Honesty

Our company adheres to the principle of honesty in its relations with its customers, employees, shareholders, group companies and other institutions and organizations.

3.2 Impartiality

Our company conducts its activities with complete impartiality. It does not discriminate between its employees and customers, and does not show prejudiced behavior.

3.3 Reliability

Our relations with our customers and other interested parties in the presentation of our products and services are based on mutual trust, and are clear and understandable. It has been adopted by our company that providing accurate information and providing customer service in a timely and complete manner are the basis of reliability.

3.4 Transparency

Our customers and other interested parties inform us clearly about our products and services, such as rights, obligations, benefits and risks.

3.5 Observance of Social Benefit and Respect for the Environment

Observing social benefits and respecting the environment are essential in conducting all our activities. The protection of the environment and natural life, consumer rights and public health issues are sensitive and rules are followed.

3.6 Combating Money Laundering

Our company has adopted the fight against money laundering, corruption and similar crimes as an important principle and takes care to cooperate with other relevant institutions and organizations and competent authorities. It also takes the necessary measures for this purpose within its own organization and organizes training programs for its personnel.

3.7 Fight Against Informality

Our company helps to combat informality by obtaining documents that prove the receivable.

3.8 Observance of Social Benefit and Respect for the Environment

In all our activities, in addition to profitability, social benefit and respect for the environment are essential.

3.9 Insider Trading

All necessary measures are taken to prevent the use of inside information.

3.10 Relations with Public Institutions and Organizations

Our company acts in line with the principles of honesty and transparency, and pays attention to the correct, complete and timely transmission of the information, documents and records requested for audit and control purposes in accordance with the legislation.

3.11 Informing Customers

It transmits accurate, complete and timely information regarding all kinds of products and services, at every stage of the service relationship and in all matters, by complying with the limitations specified in the legislation.

3.12 Customer Privacy

Our company is obliged to keep all kinds of information belonging to its customers. The information and documents that are required to be given legally to the persons and authorities authorized to request information and documents in accordance with the legislation are excluded.

3.13 Customer Complaints

It investigates the reasons for customer complaints and takes the necessary precautions to prevent the repeat of justified complaints. It informs its employees in order to correct faulty applications.

 

3.14 Competition

Our company considers competition as a race in which the decisions are taken in a free environment and that pursues social benefit in accordance with the legislation and generally accepted principles of the institutions operating in the same sector. For this reason, besides our own interests in the activities we carry out in the free market economy,

Continuous trust in the factoring sector in general,

- Striving for the development of the sector,

- Observing common interests,

avoids behaviors that will cause unfair competition within the framework of its principles. This principle has also been adopted by our employees.

3.15 Informing Customers and Service Quality

It is essential to provide accurate, complete and timely information to our customers in the presentation of our products and services. Our employees avoid providing false or incomplete information to customers. Our primary goal is to provide the services we offer professionally in accordance with the basic principles of ethics. The costs and conditions of the services we provide to our customers are clearly stated. In any dispute that may arise with customers, complaints are considered by the authorities and efforts are made to find a solution. Maximum effort is made to investigate the causes of customer complaints, to take necessary measures to prevent their recurrence, to immediately correct faulty applications and to inform our employees on this issue.

3.16 Customer Secret

Our company is obliged to keep all kinds of information belonging to its customers. The information and documents that are required to be given legally to the persons and authorities authorized to request information and documents in accordance with the legislation are excluded.

3.17 Security

Necessary precautions are taken against all kinds of negativity in the presentation of our products and services. Our company acknowledges that security includes the prevention of any technical violation that may cause harm. For our company, it is essential that our activities are carried out in an environment where business and transaction security is ensured and all necessary technical and legal measures are taken to prevent customer victimization.

Our company does not compromise on security in the protection and storage of customer property (negotiable documents, contracts, etc.) and financial opportunities (factoring fee, commission, etc.).

3.18 Responsibilities of Board Members

Members of the Board of Directors cannot publicly disclose confidential and / or trade secret information about the company. The Board of Directors takes the necessary measures to prevent this information from being taken out of the company by other employees.

Members of the Board of Directors cannot use confidential and non-public information about the company in favor of themselves or others, cannot provide false, false, misleading, unfounded information about the company, disseminate news or make comments.

Members of the Board of Directors are aware that they must comply with the legislation, articles of association, in-house regulations and established policies, and that if they do not, they are jointly responsible for the losses that the company, shareholders and stakeholders will suffer due to this reason.

Members of the Board of Directors will not submit to pressures that may result in the detriment of shareholders and will not accept financial benefits, and take the necessary measures to ensure that these rules are implemented by all company employees.

3.19 Company Principles Regarding Employees

Our company takes care that the human resources consist of people who have the knowledge, experience and sense of responsibility required by the task.

Our company, regarding personnel employment;

- It avoids all kinds of applications that may cause unfair competition.

- Takes care not to interrupt the services of other institutions in personnel recruitment.

- Complies with the Labor Law and relevant legislation provisions in personnel employment.

- Behaves sincerely and honestly when responding to information requested by other institutions about their former employees.

- Our company takes the necessary measures to ensure that the work environment is healthy, safe and compatible with the natural environment, to increase the motivation of the employees and to provide services in better conditions, and includes the opinions of its employees on this issue.

- In order to ensure the best presentation of our products and services, our company pays attention to the employment of a sufficient number of personnel and takes necessary improvement measures to ensure the highest level of work efficiency during working hours.

- It makes every effort to ensure that our employees use their leave regularly.

- Equal opportunities are provided to those who work under equal conditions in our company. Among our employees, religion, sect, gender, etc. There is no discrimination based on differences.

- Our company pays special attention to the personal development of our employees. For this purpose, it supports its employees by providing training, courses, seminars and similar opportunities.

- Our company attaches importance to the adoption of ethical principles and rules determined by our Board of Directors by our employees. Compliance with ethical rules is an important criterion in the formation of human resources.

3.20 Employees' Responsibilities

Our employees; In all cases, they act with the awareness that they represent our company and they pay attention to clean and well-groomed clothing. Necessary arrangements have been made to ensure that our company is best represented by our employees.

Our employees;

- Do not engage in relationships with customers that are incompatible with ethical principles such as debt-receivable, surety and joint account opening.

- They do not receive gifts from customers or people who may become customers in the future.

- They do not use their positions within the company for personal gain, they do not benefit from the business opportunities of their customers for personal benefit.

- No employee will bow to pressures that may result in negative consequences for shareholders.

- Employees only consider the interests of the company in business-related decisions, individual and family concerns and interests are not taken into account.

- Employees act with the utmost care for company expenditures and with awareness of savings and costs.

 3.21 Relations with Public Institutions and Organizations

Our company acts in accordance with the principles of honesty and transparency in its relations with public institutions and organizations, and pays attention to the correct, complete and timely transmission of the information, documents and records requested for audit and control purposes in accordance with the legislation.

 3.22 Mobbing and Sexual Harassment Principles

Necessary measures have been taken to ensure that our employees are not exposed to mobbing and sexual harassment. Employees who have been subjected to sexual harassment and mobbing are encouraged to report their complaints to senior management, while internal sanctions are imposed on the employee who practices sexual harassment and mobbing, while legal remedies are kept open.

3.23 Being Transparent in the Presentation of Financial Products:

To be transparent in financial products offered within the framework of Shared Social Responsibilities and Global Practices. In this respect, to make an effort not to make any difference after the products. Taking into account customer demands and requests within the scope of applicability.

Haberler