The impact we have on our customers, colleagues, stakeholders, the wider society and the environment matters. This policy outlines the ethics at the very heart of how we operate, and the values that guide the way we do business.

Our mission and values

At our Kibo, we are committed to empowering and uplifting women through our financial services. We believe in creating a safe and inclusive environment where all women can access the resources and support they need to achieve their financial goals. We strive to be a trusted partner by providing ethical and transparent financial advice and products that empower our customers to take control of their financial futures. We are dedicated to promoting gender equality and promoting the financial empowerment of women in all aspects of our business.

Who can bank with us

Kibo provides women-centered banking to all who qualify, in all jurisdictions in which we are able to provide our products and services.

Treating customers fairly

The interests of our customers are our top priority, and we will always seek to treat them with honesty, transparency and fairness. Ways we achieve this include:

• Avoiding financial jargon – most of our customers aren’t finance, private wealth or web3 experts so we use straightforward language to make sure they properly understand our products and communications.

• Sharing information – we share all relevant information with customers so that they can make an informed choice.

• Getting regular feedback – it’s important we keep ourselves in check and regularly survey our customers’ experience to ensure we deliver the best products and services for their needs. 

Our people

We are committed to creating an internal culture that brings our ethics and values to life everyday. Discrimination based on gender, race, age, sexual orientation, marital status or nationality has absolutely no place at Kibo.

Financial crime and Tax

Through our partners, Kibo has stringent anti-bribery, anti-corruption, anti-money laundering, and anti-fraud policies and procedures in place to prevent financial crime and related crimes such as modern slavery. We are committed to the absolute highest standards when it comes to operating in compliance. Further, we do not do anything in our tax affairs that runs contrary to either the letter or spirit of Estonian tax legislation.