Ethics is our starting point
Creating something that makes people’s life easier is only possible because we have always had transparency and responsibility as the pillars of our relationship with them.
Meet our Initiative
Inter’s Code of Conduct and Ethics
In our Code of Conduct and Ethics, employees, customers, suppliers, business partners, authorities and other stakeholders with whom we interact can understand the principles and standards that shall always guide our conduct and relationships.
Access our codeKnow the Pillars of the Integrity Program
We have ten pillars guiding our actions, rules and internal guidelines to ensure integrity in our relationship.
Governance and culture
Higher Management’s commitment is vital to the success of the Integrity Program.
Control and integrity risk assessment
This pillar is guided by the integrity risk and compliance management. It is focused on the non-compliance to the applicable legal and regulatory obligations, such as external rules, Code of Conduct and Ethics and internal policies.
Code of Conduct and Policies
In order to formalize governance and ensure the continuity of our business within ethical and sustainable standards, Inter has a Code of Conduct and Ethics and a Normative System that governs and directs the expected conduct and internal processes.
Communication and training
Training programs are crucial to foster a culture of integrity, allowing the chaining and multiplication of knowledge.
Ethics Channel
Reporting on the Ethics Channel is one of the main mechanisms for identifying non-compliance with the Code of Conduct and Ethics. Reporting inappropriate conduct and violations to the Code is a duty of all employees, suppliers, business partners and third parties.
Third-Party Due Diligence
Aiming at knowing and evaluating the profile of the companies that Inter and its subsidiaries intend to execute agreements with the Integrity Due Diligence (DDI) is carried out, prior to the execution, so as to assess the risk of reputation, corruption and misconduct.
Monitoring and test
The Compliance team is responsible for the constant monitoring of Inter’s Integrity Program, in order to ensure effectiveness thereof.
Internal investigations
The procedure aims at investigating irregularities in internal processes and reports of fraud, corruption, conflicts of interest and other risks to Inter’s reputation, image and integrity.
Management of non-conformities
Monitoring and dealing with non-conformities, in order to carry out corrective measures that mitigate and correct the identified issues.
Reports
We have well-defined institutional reporting practices, which aim at ensuring proper management and governance of issues related to legal compliance and corporate integrity.
Ethics Channel
What is required to be reported to the Ethics Channel?Any breach to Inter’s Code of Conduct and Ethics, internal and external rules.
Who is required to report?All employees, interns, business partners, suppliers and service providers who are aware of any deviation.
Important informations
Run by an independent third-party company
The report can be identified or anonymous
You are assured of non-retaliation measures
Total confidential procedure
How does the complaint process work?
ViolationAwareness of a potential violation
ReportReports complaint to the Ethics Channel
ProtocolThe reporting party receives a protocol number to check on the next steps
AnalysisThird-party company assesses the report and then sends it to Inter
ComplianceInter’s Compliance area receives the report
InvestigationInternal investigation process starts (confidential)
Completion ReportThe findings from the investigation are informed to the Ethics Committee through a Completion Report
Remedies Ethics Committee decides whether or not a measure provided by Inter’s Consequence Policy shall be enforced
Closure of the ReportAfter assessing and determining the measures to be enforced, the Compliance area “closes” the case in the system
Relationships with Suppliers
To us, partnerships with suppliers, third-parties and business partners is of utmost importance, as it is also by such means that we meet our purpose of simplifying people’s lives.
Our Supplier Relationship Policy, along with the Code of Conduct and Ethics, establish the ethical standards of governance and objectively translate the rules and guidelines that underlie our relationship with suppliers and service providers.
Access relationship policy
Anticorruption
Inter has zero tolerance with any kind of corruption. To ensure our employees follow us in this policy, we have many mechanisms in our Integrity Program to instruct them.
The Anticorruption Policy is one of the main internal documents on this matter. It is the document Inter uses to highlight its commitment to ensure its relationships are based on ethics and integrity.
Every year our employees are trained on this policy — it is necessary. They learn about the Code of Conduct and Ethics, anticorruption and conflict of interests.
Legislation
Inter operates according to the laws and regulations it is subject to, including but not limited to:
