Business Partners – includes Vendors, Clients, Suppliers, Investors, and more generally any third party
with which B2Holding does business.
Clients – companies (primarily banks and financing companies, but also telecom operators, retail and utility companies) to which B2Holding is providing debt related services, acting on their behalf.
Employees – all B2Holding directors, officers, staff, temporary workers, interns, consultants, contractors or
any other persons who are or were employed by a Business Unit or otherwise works or worked for B2Holding, regardless of the duration of their employment contract, the type of relationship or geographical location.
Investors – financial entities co-investing in debt portfolios together or in cooperation with B2Holding
Suppliers – any natural or legal person and their employees, agents, representatives and subcontractors
who supply goods and services to B2Holding.
Vendors –companies (primarily banks and financing companies, but also telecom operators, retail and utility companies) selling debt portfolios to B2Holding.
B2Holding expects its Business Partners to comply with all legal and regulatory requirements regarding
ethics including, among others:
Compliance with Laws
Business Partners shall comply with all applicable laws, rules, and regulations of the jurisdictions in which
Money laundering, corruption and other fraudulent action
Business Partners shall be neither fictitious, nor involved in money laundering crime or corruption activities, nor included on any sanctions list/s or black list/s by trade organisations, consumer rights protection authorities or similar organisations for providing non-serious business.
Unfair and abusive practices
Business Partners shall use fair pricing practices or charge fee or interest that are comply with the local laws. The Business Partners shall neither use lending terms that can be regarded as offensive, abusive or deviate from market rates, offer consumer loans with a short duration against a high interest rate, nor pursue aggressive sales or lending methods for their products or services in a way that can be considered unfair. Gifts, hospitality and other benefits
Business Partners shall not at any time offer or provide any inappropriate financial or non-financial benefits to B2Holding Employees. B2Holding Employees are not authorised to request inappropriate financial or non-financial benefits and are expected to decline such benefits.
Conflicts of interest
A conflict of interest can arise when a person’s business and private interests intersect. Private interests can include a person’s own professional and financial interests, as well as past and present associations with other individuals, groups, or family. Business Partners shall immediately report to B2Holding any conflicts of interest, whether real or perceived.
Confidentiality and intellectual property rights
Information provided by or collected from B2Holding is provided on a confidential basis, unless otherwise
explicitly indicated, or the information is already in the public domain. The Business Partners shall respect
and honour B2Holding’s confidentiality and intellectual property rights.
Business Partners shall conduct their activities toward B2Holding in compliance with the EU General Data
Protection Regulation (GDPR) rules, principles and requirements.
Workplace health and safety
Business Partners shall provide a safe work environment and integrate sound health and safety management practices into their business. They shall comply with all applicable laws and regulations relating to workplace, health, and safety.
Labour and human rights
Business Partners shall provide a fair and ethical workplace and to make all reasonable efforts to ensure that businesses within their supply chain are not engaged in, or complicit with, human rights abuses.
Non-discrimination and diversity
Harassment or discrimination based, among others, on race, sex, nationality, ethnicity, age, sexual
orientation, religion, political affiliation, shall not be tolerated. Business Partners shall provide a workplace
free of harassment and discrimination, offer equal opportunity in employment, and foster diversity in their
Business Partners shall minimise the environmental impact of their operations and maintain
environmentally responsible policies and practices.