We have made tremendous leaps into moving into the cloud and minimising the need for paper in the office. Being a FinTech business we feel it is achievable to go fully paperless within the year.

We have set this offering up for our employees and hope to see people take this up soon.

Our current office premises has an EPC rating of C. Within the next two-year we will be moving to new purpose-built energy-efficient premises. We have let all staff know they can apply through the Kent website for solar panels to help with their own energy efficiency at home

We work with many different property developers who work on anything from refurbishments to brand new housing estates, we will shortly be publishing how green some of these are, watch this space!

We have Electric charging points both at the Head Office premises and also at our Business Continuity Site (from August 2021).

Migrate remaining systems to the Cloud, fund green innovation, fund green innovation in property developments, give clients better information when they make decisions, Build carbon-free head office and use AI technologies to enhance our algorithms and effect efficiencies.

We are continually working to ensure we incorporate vulnerability considerations into the way we do business be that by tailoring our communications with people, making our products easy to understand and having dedicated people for our customers to talk to.

We train all our staff to ensure they can deliver the best possible service to our customers, we equip them with the knowledge they need to effectively carry out their roles and we ensure they undertake all the relevant training in order for us to remain compliant in all we do.

We work with many different property developers who work on anything from refurbishments to brand new housing estates, we will shortly be publishing how green some of these are, watch this space!

It’s no secret that a healthy workforce is a more productive workforce, we ensure we regularly ask our people what they want from the business and how we can improve. We want to ensure they are happy in their environment and we want people to want to be here with us.

We encourage people to undertake qualifications that will help them in their role and we fund this to help them and us. We also do financial educational training.

We have adopted a flexible working environment as we appreciate that no two people are the same. We let our team work from home one day a week if they choose to and they can change their working hours if they need to.

We have a lot of experts in their fields within the business who are able to offer training and we have regular training sessions for all compliance topics.
We encourage people to continually learn and so should there be specific courses they want to do, we will look at it for them.

1. We currently sponsor Kuflink Stadium – Ebbsfleet United Football club and have done for many years now
2. We have four staff members who act as Trustees on The Kuflink Foundation, whose objectives are to support community-focused projects for the youth, the advancement of education, the advancement of amateur sport, the advancement of health or the saving of lives. In 2022 our team are looking to get more involved in the community to help children and young adults in Kent.
3. Sponsor Guru Nanak Football club for kids
4. One of our directors sponsors a local football team – Northfleet Eagles Under 10.
5. We have people who volunteer in the local community by picking up and dropping off clothing to homeless charities.
6. We have people who worked on “Christmas in a box” whereby items were collected and then sorted and delivered to those in need.
7. Some of our team individually give money to their chosen charities and undertake sponsored events to raise money and we also have a first responder who is able to pick up and deliver medicines if required.
8. Some of our directors have housed a family from Ukraine.
9. We have a team member who has been a blood donor for the last 30 years and who is registered with DKMS as a donor for blood stem cells for bone marrow and blood cancer.
10. We have a staff member who is on the Board of The Grand a youth and public health CIC (community interest company) and Age UK Northwest Kent looking after the interest of the elderly in the wider North Kent area.
11. In March 2022 two of Kuflink’s staff members visited a local school’s “Careers” day. We provided the pupils with an insight into the business and investing world, which so many were keen to learn and understand.

Voluntary slavery and human trafficking statement

Voluntarily Implemented 23/06/2022

ESG Policy Statement

Implemented 23/06/2022

1. You must comply with this Code and all relevant laws and regulations. 2. You must act with the highest ethical standards and integrity. 3. You must act in the best interests of each client. 4. You must provide a high standard of service. 5. You must treat people fairly regardless of: a. Age b. Disability c. Gender Reassignment d. Marriage and Civil partnership e. Pregnancy and Maternity f. Race g. Religion and Belief h. Sex i. Sexual orientation

1 Integrity 2 Skill, care and diligence 3 Management and control 4 Financial prudence 5 Market conduct 6 Customers’ interests 7 Communications with clients 8 Conflicts of interest 9 Customers: relationships of trust 10 Clients’ assets 11 Relations with regulators

The employee satisfaction index measures the extent to which employees report that they are happy working at Kuflink.
95% (From Employee Engagement Survey: 1st February 2022)
100% (From Employee Engagement Survey: 30th June 2022)

The Technology Committee focuses primarily on
the Company’s IT, digital and cyber strategies and
their implementation plans and strategic
technology opportunities for the Group.

Regulatory reporting, maintaining risk
assessments, Operational resilience/business
impact analysis, Security forum, Environmental,
Social and Governance performance,
implementing measures for consumer duty, Client
money controls and MLRO reporting

To ensure remuneration is aligned to the business
strategy and regulatory expectation and to
oversee any major changes to the structure

To review the structure, size, and composition of
the Board, give consideration to the leadership
needs of the Group and review and control related
party transactions

To review and monitor the effectiveness of the
Group’s risk management, capital management
and internal controls frameworks

To Discuss management and monitoring of Debt
Collections.

To discuss the overall business Objectives, Key
Performance Indicators (KPIs) and Strategy.

To monitor Kuflink Well-being metrics within the
business

To monitor and discuss all development funding
projects ensuring they are managed effectively
through to completion

Balbir is an entrepreneur and businessman who co-founded Michelin Star restaurant Hakkasan in London’s Mayfair, as well as Thai restaurant Basuba, both of which he has since sold. Balbir has
invested the substantial proceeds from his businesses into property Investment and has extensive knowledge of the UK property market.

Sukhdev Dhillon has joined Kuflink following a 38-year career with RBS/NatWest Group. During this period, he was employed in some of the most prominent City offices of NatWest Bank, including a period in Credit Underwriting managing the credit risk for a number of major corporate clients.