Conflict of Interest Management

Purpose

Depfin Finance is committed to conducting business with integrity and transparency. This Conflict of Interest Management policy sets out how we identify, manage, and disclose situations where personal, financial, or other interests could influence—or appear to influence—our decisions.

Scope

This policy applies to all directors, employees, agents, and representatives of Depfin Finance who are involved in lending, credit assessment, customer service, or any activity that may affect a client’s application or account.

What constitutes a conflict of interest

• A staff member or associate has a financial interest in an applicant, supplier, or competitor.
• A family member or close associate of staff applies for credit and receives preferential treatment.
• Gifts, incentives, or benefits are accepted from third parties that could affect impartial decision-making.
• Personal relationships influence loan approvals, declines, or pricing outside standard policy.

Management and disclosure

Employees must declare actual, potential, or perceived conflicts of interest to management as soon as they arise. Declared conflicts are reviewed and managed through recusal from decision-making, reassignment of duties, or other appropriate controls.

Depfin Finance does not permit decisions that unfairly advantage any party at the expense of clients or the business. Records of declared conflicts and actions taken may be retained for audit purposes.

Reporting concerns

Clients or staff who believe a conflict of interest has not been managed appropriately may report it to Depfin Finance via our contact page or by calling 087 510 7793. Reports are treated seriously and handled confidentially where possible.