Responsibility, stated as commitments, not claims.

The aim is that responsibility becomes part of everyday decisions, not a separate programme.

• Access by design — projects are designed to lower the cost, complexity and paperwork that keep people outside financial and professional services.
• Plain language — the Group writes plainly, and expects the same of any provider of a service built on its projects.
• Measured claims — the Group publishes facts about its impact only where it can evidence them.
• Consistent standards — the Group’s policies apply across its companies as a minimum.

Sustainability matters — to the world and to the long-term value of what the Group builds. The Group sees a direct link between sustainable development and its ability to innovate and to create value that lasts, and it intends to contribute to the communities where it and its partners work.

The Group’s work has regard to the United Nations Sustainable Development Goals most relevant to it: 8 (Decent work and economic growth), 9 (Industry, innovation and infrastructure), 10 (Reduced inequalities) and 16 (Peace, justice and strong institutions).

Opportunity should not be a privilege. Many adults worldwide still have no account with a financial institution — around 1.4 billion, according to the World Bank Global Findex Database 2021. The Group’s financial projects are designed with that gap in mind: fewer steps, clearer language and lower barriers to entry.

Financial literacy is the other half of access. The Group intends to contribute through plain-language publications in Insights and, in time, through partnerships with educational organisations. Any such programme will be described here only once it has begun.

• Efficient systems — lightweight pages, no third-party scripts without consent, and fonts hosted with the website rather than loaded from third parties.
• Governance — environmental and social matters are considered by the Board under the ESG and Environmental Policy.

The Group does not describe itself as “green”, “carbon-neutral” or “sustainable” without independent evidence.

The Group conducts this work quietly, and by deliberate choice: genuine contribution, like wealth itself, is best kept from display. This section therefore sets out the principle, and not the particulars. The Group does not accept unsolicited requests for donations or sponsorship; it selects the organisations it supports through its own research and network.

“The Group does not presume to solve financial exclusion on its own. It seeks to build infrastructure that makes inclusion easier — and to hold itself to the standards that make that infrastructure trustworthy.”

Matvei Hutman, Group Chief Executive Officer

Taking a long-term view means being accountable to the next generation, not only the current one. Where the Group contributes, it will work with organisations that combine a global view with local action. The Group intends philanthropy to be part of how it works, not an afterthought. Practical benefit comes first: contributions will be chosen for what they achieve, not for how they look. Focus areas, once contributions begin: financial education, digital inclusion, children’s rights and youth sport.

Charitable contributions are made only with the approval of the Board and are recorded, as the Anti-Bribery and Corruption Policy requires. The Group makes no political contributions.

See also: ESG and Environmental Policy · Human Rights and Equal Opportunities Policy · Modern Slavery Statement