Kruk S.A.

The KRUK S.A. Group is committed to safeguarding social and legal norms according to which debts must be repaid.
Our mission is to solve problems relating to unpaid debts. In our operations we follow ethical standards and protect the interests and reputation of our Clients, at the same time respecting the dignity of the Debtors. Our growth is based on innovation, professionalism of operations and reliability.

Our services are provided in compliance with law, industry standards (Fair Collection Practices Code), norms of social behaviour as well as with internal procedures and operating instructions. We realise that no procedures or rules are able to describe and regulate every relationship arising in business. Therefore we have created “KRUK Values”. The document is a set of norms and a code of ethics governing our operations including relations with clients, business partners, debtors as well as the internal relations between the employees of our Group. These values are known to each employee of every company of the KRUK S.A. Group. We are all obligated to follow them in our work.

In contacts with Debtors:

• Dignity of the Debtors is their inalienable right. We treat the persons with respect to whom we are conducting our debt collection activities with due respect for them as human beings and for their rights.
• We help Debtors get out of the debt loop. Offering the Debtors effective assistance in getting their debts repaid is our priority.
• We take due care of the security of personal data entrusted to us. Information about the Debtors is used only during and for the purposes of the collection process.