Ethical Management

Code of Ethics
  • HLI always thinks in the shoes of the customers and create values for the customers and their satisfaction.
  • HLI is committed to maximizing shareholder values through reasonable and transparent business practices.
  • HLI respects each employee’s autonomy and creativity and make efforts to improve their quality of life.
  • HLI, as a financial institution, establishes ethical values and upholds our credential and dignity by having a decent attitude to our duties.
  • HLI, as a corporate citizen, contributes to the development of the nation and society.
Ethics Charter
  • HLI endeavors to become an excellent company, that is respected by our customers and surrounding community, who can appreciate our foundation of credibility and loyalty and our core value of ‘happiness for all humankind.’
  • HLI continues to offer top-quality financial services and maximizes enterprise value through fair and transparent management, contributing to the prosperity of the customers, shareholders, investors as well as the community and nation as a whole.
  • We, at HLI, hereby pledge to faithfully abide by the Ethics Charter which provides principles for proper judgment and conduct.
Code of Ethics and Ethics Charter
HLI announced the ethical management initiative in January, 2001 aiming to promote business ethics in a systematic and proactive manner, and introduced the Code of Ethics for the employees and FPs. In December, 2005, the company presented the Employees’ Manual for Ethical Conducts, amended the Code of Ethics, and held an event where the employees pledged to faithfully follow the Code of Ethics. In 2013, the company amended the Code of Ethics into the Ethics Charter, which stipulates the ethical principles for the employees’ conduct, demonstrating a stronger commitment to ethical management. As such, HLI is making consistent efforts to make ethical and law-abiding management part of our corporate DNA.
Infrastructure for Ethical Management
HLI has a comprehensive infrastructure for ethical management, internal control, and transparent management. The compliance monitoring system, audit information system, and internal accounting control system are in full operation, allowing the HLI employees to check the status of the company’s ethical practices and compliance anytime. There are diverse platforms including the corporate homepage and programs for whistle blowing and reporting irrationalities, and anyone can report cases of corruption or unfair trade involving HLI employees via mail, fax, or email.
Ethics and Law Observance Education and Self-Evaluation
HLI announced the ethical management initiative in January, 2001 aiming to promote business ethics in a systematic and proactive manner, and introduced the Code of Ethics for the employees and FPs. In December, 2005, the company presented the Employees’ Manual for Ethical Conducts, amended the Code of Ethics, and held an event where the employees pledged to faithfully follow the Code of Ethics. In 2013, the company amended the Code of Ethics into the Ethics Charter, which stipulates the ethical principles for the employees’ conduct, demonstrating a stronger commitment to ethical management. As such, HLI is making consistent efforts to make ethical and law-abiding management part of our corporate DNA.
Fair Trade and Internal Control

In August 2006, HLI launched an autonomous compliance management initiative called the Compliance Program (CP) where CP officers were appointed.

These officers prepared the CP rules and guidelines, and distributed the CP Manual to the employees under the initiative. The HLI employees held an event where they promised to commit themselves to the compliance program in August, 2011. Each of our business departments checks their own compliance performance in accordance with their respective CP plan. Moreover, HLI conducts surveys on the employees’ awareness of compliance and provides compliance education in order to raise our workforce’s awareness of and commitment to compliance and, by extension, HLI encourages partner companies to join the fairtrade move, practicing HLI’s management ideology of “prospering together alongside.”

Personal Information Protection
The enforcement of the Personal Information Protection Act in September 30, 2011 increased awareness for related legal issues and risk, and the need for tighter internal/external control over the protection of the customers’ personal information. In response, HLI established a companywide personal information protection management system. As a result, HLI prepared and distributed the ‘HLI Personal Information Protection Handbook’ (consisting of one regulation part, two guideline parts, and two manual parts) and the ‘Personal Information Protection Manual for the Sales Forces’ to communicate the company’s personal information protection policy and guidelines with the employees. Thanks to such efforts, the employees’ awareness of personal information protection has been significantly enhanced. Also, HLI’s personal information protection practice has been further upgraded through the encryption of the customers’ personal information, boosting HLI customers’ confidence in us. In 2015, HLI demonstrated its excellent level of personal information protection by becoming the first finance company that obtained the “Personal Information Protection Level (PIPL)” certification, a system in which the government issues certification to organizations that achieved high level of compliance with personal information protection requirements. In order to raise awareness on this further, HLI will continue to promote the importance of personal information protection.