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CCG’s Code of EthicsIn accordance with the requirements of our profession, ethic values, standards and the principles of our company are worded in the CCG’s Code of Ethics, which should be guided by everyone of the group of companies CCG. At the core of our activities are basic values:
We are a leading company that creates the standards for conducting the collection business and implements the best international technologies and practices to achieve the maximum results. We are the team of professionals who possess the unique knowledge and practice of conducting the collection business and acts on the base of ethical, social and legal standards in respect of partners and debtors
APPLICABLE STANDARDS The standards that regulate our activity We conduct our business in full compliance with the laws and regulations of the countries in which CCG company operates. Adherence to principles of confidentiality of the information We adhere to the principle of confidentiality of the information that is a trade secret, and also undertake to keep any other secret, which is protected by laws currently in force of the country or specially designated by the client. This system of information and data security , obtained from customers, promotes it. All employees are personally responsible for maintaining the confidentiality of information which is at their disposal, and must guarantee the adherence to confidentiality by employees working under their control, by determining the terms of the employment agreements or signing confidentiality agreements. Employees must comply with its obligations of confidentiality after their dismissal. Business relationships with our Partners We bring the additional value to our business partners through the application of individual approach to their needs and goals. We are ready as soon as possible to offer the most focus and effective solutions. We always keep promises given to our partners and implement in practice the principle of mutual responsibility. We comply with the interests of our partners, on the basis of business ethics and confidentiality. We carefully carry out financial calculations when performing operations. We guarantee the clear registration records and accounting, reflecting all financial transactions. Our cooperation with partners is based on honesty and mutual benefit. We do not accept any form of corruption. We are categorically against any form of bribery to our employees in any manner, directly or indirectly. According to the internal procedures, we control the procurement process and tenders for selection of business partners (agents, subcontractors, suppliers and contractors). Behavior with respect to Competitors We conduct our business, adhering to the principles of free, good competition, as well as the principles of loyalty and corporate culture. We cooperate with other collection companies for reducing the risk associated with the appearance of dishonesty and fraudulent entities of collecting activity in the market. Dissemination of false information or information that misleads the consumer of such information that relates to our activities or activities of other collection companies that do not comply with the ethical principles and good business practice. We obtain the information concerning the competitors, exclusively by methods provided by law, adhering to the principles of sectional loyalty and positive business practice. We attract customers by methods that do not contrary to the positive business practices. Pushing the counterparties or customers of other collection agencies for non-fulfillment or improper fulfillment of their commitments and arrangements does not comply with the ethical principles and good business practice. Rules of conduct as an employer in relation to Employees We respect our staff and we trust their professional opinion, waiting for maximum efficiency. We support each other, sharing the expertise and exchanging experiences of their application. We strive to develop the unique ideas in order to achieve effective cooperation with our partners and debtors. We care about the reputation of our company, each employee of CCG is a carrier of the company's image and acts in accordance with the principles of the company. We as a team are in constant dynamic development, open to new knowledge and experience. We pay particular attention to compliance and conscientious performance of our duties of the employer, established by labor laws. Within the bounds of own capabilities, we create the conditions to our employees for professional development, in accordance with the skills and abilities of the employee. We carry out all necessary steps to acquaint our employees that are in existing Code and their compliance by personnel during the execution of work, during free time and after completion of work in the company. Principles of communication with the Debtor In the process of collection of debts we help debtors to find the best way out of difficult situation. We reflect the debtor all possible options and provide the maximum support in getting rid of Non-Performance Loan Portfolio in order to maintain the positive cooperation with the creditor. We communicate with the debtor by providing the protection to the interest of counterparty, as well as according with the existing legislation, positive business practices, respect for the rights of the debtor. Employee has a conversation with the debtor in a spirit of openness and compliance with the principles of culture to ensure the secrecy and confidentiality of information to the third parties of the obligations and personal data of the debtor. During the conversation, the worker of the company should try to explain the purpose of talking to the debtor, as well as identify and resolve all ambiguities or doubts. We ensure the storage of secrecy and the full protection of personal data of debtors which have been granted to them by the counterparty (during the sale of Non-Performance Loan Portfolio and its transfer for a period of mining), in accordance with the requirements established by legal regulations of the country. Unauthorized and illegal practices Our employees should not apply during the execution the action of collection, methods and practices that are contrary to established legal and business standards. During the conversation, the worker of the company should try to explain the purpose of talking to the debtor, as well as identify and resolve all ambiguities or doubts. We ensure confidentiality and storage of the full protection of personal data of debtors who have been granted to them by the counterparty (the sale of Non-Performance Loan Portfolio and its transfer for a period of mining), in accordance with the requirements established by legal norms of the country. In particular, the following actions are prohibited:
RULES OF APPLICATION THE CCG ‘s CODE OF ETHICS All employees must comply with:
Compliance with the Code of Ethics should be considered in the annual evaluation of each employee. CCG created the Committee of Ethics. Head of committee of ethics is a HR director of CCG , who is responsible for observance this code of ethics and the implementation of its provisions in the program of staff development. The composition of the Committee of Ethics of CCG, except the HR director, includes the chairman and the director of business development and quality standards. The Committee considers the ethical issues within CCG and controls the implementation of the provisions of the Code. The head of CCG's Committee of Ethics forms a network of managers of ethics, who perform functions related to ensuring the compliance with the requirements of the Code in different geographical areas and subdivisions. Each manager of subdivision is responsible for the implementation of the Code of Ethics in the field of his responsibility, for training their employees with the provisions of the Code of Ethics, and must ensure the understanding that any violation of the provisions of the Code of Ethics will be a serious breach of duties of the employee. Any employee who violates the provisions of the Code of Ethics is subject to disciplinary action which may include termination of employment contract. In any case, the offender has the right to be heard and defend himself before the imposition of disciplinary action. On the facts supporting the violation of the Code of Ethics, an employee may report:
An employee will not be enforced any sanctions if he (she) independently and in good faith alleges violations. However, to everyone who is involved in unacceptable activities may be a subject to disciplinary sanction, even if the offender announces it alone. Also, upon request, anonymity of the person reported the violation will be kept as far as possible. For all questions regarding the provisions of the Code of Ethics, an employee may apply to his direct supervisor. If you do not know what to do in certain situations related to issues of the Code of Ethics, then:
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