The company has developed a comprehensive Business Continuity Management System, as per ISO 22301:2019 requirements, aiming to minimise the impact of external and internal adverse events to its employees, client services, business operations, and stakeholders.

An anti-corruption system has been developed, implemented, maintained and continuously improved throughout the company's organizational structure, as well as in relations with third parties. The identification and management of risks, the training and information of the staff and

the commitment of the Management are the basic principles of the certified System according to ISO 37001:2016.

Any incidents regarding violations of company Policies, Procedures or applicable laws (e.g. fraud, corruption, theft, embezzlement, non-compliance with the company’s Code of Conduct, issues relating to human rights and in general, any act or omission which could harm the Company or its reputation) may be reported by using the communication channels mentioned below

Whistleblowing Platform

The Company, through its ISO 37301 Compliance Management System aims to assess the design and operation of ethics and compliance programs, demonstrates that leadership appreciates that compliance needs continuous attention and improvement, as well as provides a benchmark for the compliance program against international standards.

The Environmental Management System covers all of the company’s activities, with programs and initiatives related to waste minimization, climate change mitigation, and continuous environmental awareness. Reducing the impact of the company's activities on the environment is a key commitment of the company and is achieved through the use of sustainable practices and continuous improvement of its processes.


In order to reduce the environmental impact of its operations and promote environmental

sustainability, the company:

• Conducts operations in compliance with all applicable environmental laws and regulations.
• Sets clear targets of environmental impact reduction and energy saving.
• Assesses the environmental impact of its activities and defines strategies and initiatives to achieve the targets set.
• Provides all necessary resources for the minimization of the environmental impact.
• Manages efficiently the company’s solid waste, focusing on waste segregation and recycling.
• Manages efficiently resources to maximize energy saving by implementing a system for monitoring the consumption of resources, focusing on energy performance improvement.
• Manages and evaluates the energy performance, based on appropriate indicators and objectives.
• Takes actions to raise awareness among its people and provide them with the necessary knowledge, resources and tools to implement all environmental and energy saving programs.
• Is committed to continuous improvement of the environmental and energy management system with a view to enhancing environmental performance.
• Defines, in line with relative procedures, work instructions and/or policies, employees’, suppliers’, contractors’ and visitors’ responsibilities for environmental issues.
• Ensures resources to implement necessary and timely, recycling and waste management processes enhancement and adopts best practices, which improve environmental performance.
• Investigates and escalates timely, in line with relative procedures, any incident, related with environmental performance.
• Anticipates that all suppliers, contractors, and partners place equally high priority on environmental issues in their operations.
• Supports the procurement of energy efficient products and services that impact energy performance.
• Collects and reports environmental and energy saving issues in the framework of ESG project.
• Adheres to a robust risk-based approach in the areas of environmental performance in line with Company’s integrated management systems and taking into consideration incidents or findings of internal audit reviews to introduce effective remediation actions.

The company is committed to efficient energy management by continuously improving its energy performance and by adopting best practices for energy resources saving. The company invests in energy efficient facilities and projects. The ISO 50001:2018 reflects this.

The company's Energy Management System certification according to ISO 50001 standard, reflects its commitment for efficient energy management.

At Qualco Intelligent Finance, we are constantly striving to improve our information security practices by regularly reviewing and updating our policies, procedures and control points to stay ahead of emerging threats. Our ISO 27001:2022 certification is a testament to our dedication to information security and our ongoing commitment to provide stakeholders with maximum protection and confidence in our services.

Regarding collecting and using personal information, the company’s approach is based on openness and transparency. We are committed to protecting the rights of individuals whose data is collected and processed by our business units and affiliated companies. The Company is certified under ISO 27701:2019 Privacy Information Management Systems. Privacy policies apply to all employees, third parties, alliances, and joint ventures, across all jurisdictions.


Concerning personal data, the Group seeks to ensure that the data are:

• Processed lawfully, fairly, and transparently regarding the data subject
• Collected for specified, explicit, and legitimate purposes and not further processed in an incompatible manner with those purposes
• Adequate, relevant, and limited to what is necessary, considering the purposes for which they are Processed
• Accurate and, where necessary, kept up to date
• Kept in a form that permits identification of data subjects for no longer than necessary
• Processed in a manner that ensures appropriate security of the personal data, including protection against unauthorised or unlawful processing and accidental loss, destruction, or damage, using appropriate technical or organisational measures

The company is committed to protecting the health and safety of its employees, business partners and other third parties, through actions and benefits in addition to the requirements of the law, with continuous training and information as well as management of all occupational risks and the assessment of accidents or near incidents.

The Company’s policy on Health and Safety Management is focused on the following principles:

• Provision of all the necessary resources for the protection of the health of employees and third parties
• Set-up, maintenance, and monitoring of a safe, comfortable working environment, aligned with requirements and best practices related to health, safety, and ergonomics, considering the nature, scale and particularities of company activities
• Full compliance to all relevant and applicable Greek and European legislative, normative, contractual, and other requirements, as well as standards, guidelines, and best practices
• Consultation, participation, and involvement of employees in the decision-making process in the OH&S management system
• Continuous training of the employees and the third parties on issues related to occupational health and safety
• Continuous measurement and evaluation of its health & safety performance, based on appropriate indicators and objectives.
• Continual improvement of the OH&S management system to enhance the organization’s OH&S performance
• Detailed and regularly updated risk assessment, to identify and eliminate, or effectively minimize any risks and hazards related to the working environment and the nature of company activities, using the hierarchy of controls.
• Prevention of work-related incidents, injuries or accidents and illnesses/diseases