1. Corporate Social Responsibility
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2. 1 Our 10 Golden Rules
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3. 2 The 4 Kredito CSR Pillars
4 Areas of Engagement
Transparency Customer Data Corporate
Service Protection Citizenship
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4. 3 Transparency
„
Every customer gets a fair deal for our premium instant loans as we display the
loan cost in a clear and unambiguous manner.
“
We offer high flexibility in allowing the customer to
borrow exactly the desired amount for exactly the time
he needs it. Some banks and competitors base their
business model on hiding absolute cost or adding funny
fees that are stated in the fine print that nobody actually
reads.
Kredito makes a change here:
Clearly stated fees that are identical for every
customer.
We do not claim to offer the cheapest service for long-
term financing, but offer instant short-term loans that
are paid out instantly. Just like taking the taxi certainly
isn’t the cheapest way of travelling long distances, it
certainly offers the most convenient, fast and flexible
service.
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5. 4 Customer Service
„ We strive for
ultimate customer satisfaction
not only by providing the best
technology, but also through
premium customer service across all
channels (LiveChat, Skype, Phone,
Mail). We respond to any customer
inquiry within 24h at the very latest
with an average response time of
12min
“
96% of our customers would use Kredito again
and recommend it to a friend.
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6. 5 Data Protection
Data Protection Specialist
„ Data protection is a key area of operations at
Kredito. We have implemented the highest
standards in IT and HR in order to ensure
maximum protection of personal data.
We transfer any personal data through 256-bit
SSL.
Sebastian Kraska (PhD)
Personal information is only accessed by
employees who have been trained by our data •Data security official at Kredito
protection team and signed several
confidentiality agreements.
•Founder and CEO of IITR, a
leading data protection company
All our webpages are checked against malware, •leading role in IT security
data security and encrypted data storage by the academic research
leading international security company.
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“ © kredito OFS GmbH 2012

7. 6 Corporate Citizenship
„ We deeply believe that it is our responsibility as corporate citizens to give back to the community.
Kredito funds several charities in all countries in which it operates.
In Germany, we cooperate with the renowned “Aktion Deutschland Hilft e.V.“ It is an association of
certified aid organizations that strives to provide quick and effective help in case of great catastrophies.
In Poland, we are a proud supporter of AKADEMIĘ PRZYSZŁOŚCI, an education project famous for
improving education standards across Poland.
“
Some of our local charity engagements
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8. Corporate Social Responsibility
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