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Modern Slavery and Human Trafficking Statement

This statement is made pursuant to the Modern Slavery Act 2015 (UK), and constitutes our modern slavery and human trafficking statement for the year January 2022 to December 2022.

We are committed to operating our business lawfully and ethically and in only working with suppliers that are aligned to our values. We expect our suppliers to operate in accordance with all applicable modern slavery laws including those prohibiting human slavery and slavery like practices, human trafficking and child labour. We value and observe all laws regarding corporate social responsibility, environmental and workplace safety protection and staff inclusion and diversity.

Our Structure

Karma Technologies International Limited is company based in London, United Kingdom with employees based in the United Kingdom. Our mission was simple in its aim, but vast in its ambition: to create a world where everyone experiences financial happiness. For so long this has been exclusive to a small portion of the population, and we didn't think this was fair. So we created Karma, a company founded on the principle of providing financial support to those who need it the most. 

We deliver vouchers and ethical lending solutions with a view to help those who are most in need of financial assistance and seek financial inclusion.

Our Supply Chains

Our supply chain operations relate to the production and fulfilment of physical or virtual gift cards, vouchers, technology partners that support back-end payment processing and suppliers that directly support our day-to-day administrative functions. Due to the nature of our business and that of our supply chain, we have assessed that there is very low risk of modern slavery and human trafficking. Nevertheless, we have implemented a number of processes and controls to further limit the risk of slavery or human trafficking in our supply chains or in any part of our business.

The relationships with most of our suppliers have been established and built on integrity and mutual trust. We conduct due diligence on suppliers through research at the initial set up phase, by including relevant clauses in contracts, and sending questionnaires to suppliers. We monitor the outputs of these and take appropriate action when we believe it is necessary.

Our Policies

Our Supplier Code of Conduct details what we expect from our suppliers with regards to:

  • Business Practices and Ethics

  • Labour Practices and Human Rights

  • Environmental Protection

  • Compliance and Reporting

We encourage our suppliers to require their subcontractors to acknowledge and implement equivalent standards of conduct.

We have a Code of Business Conduct and Ethics. This Code serves to guide the actions of our employees consistent with the values of Karma Technologies International Limited. The Code emphasises our commitment to doing business responsibly, ethically and honestly. This is about more than staying out of the headlines and avoiding legal issues - it’s about fostering a workplace that values trust, quality and fairness within the company, and with our customers, suppliers and business partners. Our Code outlines principles to help employees do the right thing and encourages employees to speak up and report any Code violations that they see or suspect.

We also have a process for all employees and external partners to be able to report a ‘Serious Incident’, which includes any concerns over slavery and human trafficking. 

Our Training 

We train all employees on relevant legislative requirements which impact our business. We regularly communicate our company policies through our email communications and townhall meetings, and roll out relevant training courses annually. 

Future Commitments

1. Expanding our Supplier Code of Conduct to all stakeholders as and when required.
2. Conducting periodic audits of key suppliers to assess compliance with Modern Slavery and Human Trafficking laws.
3. Reviewing supplier contracts to help ensure they contain terms that are consistent with the Acts.
4. Taking steps to address any potential modern slavery risks identified.
5. Conducting internal reviews to help validate that our supplier management policies are functioning as expected.


This statement relates to Karma Technologies International Limited, This statement has been approved by Karma Technologies International Limited, and will be reviewed and updated as necessary on an annual basis.


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