1) Avoidance of over-indebtedness – We will take reasonable steps to ensure that credit will be extended only if the borrower has demonstrated an adequate ability to repay and that loans will not put borrowers at a significant risk of over-indebtedness .similarly, we will take adequate care to ensure that none credit financial products such as insurance extended to low income clients are appropriate.

2) Privacy of clients data – The privacy of individual clients data will be respected and such data shall not be used for other purposes without the express permission of the client or as may be mandated by law in executing issues regarding this client( while recognizing that we play an important role in helping clients achieve the benefits of establishing credit histories)

3) Mechanisms for redress of grievances – We will have in place timely and responsive mechanism for complaints and problem resolution for our clients.

4) Ethical staff behavior – Our staff members and collaborating partners will comply with high ethical standards in their interaction with our clients and as an organization, we will ensure that adequate safeguard s are in place to detect and correct corruption or mistreatment of clients.

5) Appropriate collection practices – Our debt collection practices shall not be abusive and/or coercive. We will always endeavor to protect the dignity of the client and give first priority in exhausting available social means to debt collection before resorting to legal recourse to debt collection.

6) Transparent pricing – The pricing, terms and conditions of financial products (including interest changes, insurance premiums, all fees etc.) will be transparent and will be adequately disclosed in a form understandable to clients.