GPOD's formal declaration of principles and commitments regarding our ethical approach to generating returns while creating positive social impact.
Flat Fee
Per early wage access
Investor Returns
Annual ethical returns
Transparency
Full visibility into all fees
Social Value
Created per £1 invested
GPOD is committed to proving that financial returns and positive social impact can exist in harmony. This statement formalizes our ethical investment principles and commitments.
"We hereby declare our commitment to providing financial tools that generate competitive returns while improving the financial wellbeing of workers, eliminating predatory lending practices, and creating measurable social impact. This statement serves as our pledge to maintain the highest ethical standards in all aspects of our investment model."
This Ethical Investment Statement governs our approach to generating returns through our Early Wage Access platform and other financial services. It ensures that all stakeholders—workers, employers, investors, and communities—benefit from our operations in a fair, transparent, and ethical manner.
Our commitment to ethics extends beyond legal compliance. We proactively seek to create positive financial outcomes while improving social conditions and eliminating exploitative financial practices.
Our ethical investment framework is built upon four foundational principles that govern all aspects of our operations and financial model.
We provide financial accessibility without exploiting vulnerability. Our flat fee model replaces predatory interest-based alternatives.
Financial access should never come at the cost of exploitation. We reject the predatory practices common in traditional financial services.
We maintain complete transparency in all operations. Every pound invested is traceable, and all fees are clearly disclosed.
We believe transparency is fundamental to ethical finance. Our operations, fee structures, and impact metrics are fully visible to all stakeholders.
We generate 8-12% returns through ethical means, proving that positive social impact and competitive financial returns can coexist.
We generate competitive returns of 8-12% for investors without relying on exploitative practices. Our returns come from providing genuine value.
We rigorously measure and report on both financial and social impact, ensuring accountability for all stakeholders.
We believe that what gets measured gets improved. We track and report comprehensive metrics on both financial performance and social impact.
Our ethical financial model generates competitive returns while maintaining full alignment with our ethical principles and creating positive social impact:
Ethical investor capital funds our Early Wage Access platform
Workers access their already-earned wages before payday
Workers pay a flat £2.50 fee per transaction, never a percentage
Employer payroll reconciliation ensures capital security
Fair distribution of returns between investors and operations
Not a Loan
Workers access wages they've already earned, creating no debt
No Interest
Fixed £2.50 fee regardless of withdrawal amount
No Hidden Charges
Complete transparency with all fees disclosed upfront
Our fee structure is designed to be fair, transparent and non-exploitative:
Flat fee per withdrawal regardless of amount accessed. No percentage-based charges that would penalize larger withdrawals.
No hidden costs passed to workers through employer charges.
No late fees, no interest, no subscription charges, no hidden costs.
We provide competitive, ethical returns for investors who share our commitment to positive social impact:
Ethical. Transparent. Impactful.
Service-based model from fixed transaction fees
Volume and scale drive returns, not exploitation
Risk-managed through employer reconciliation
Transparent profit-sharing model
*Returns based on historical performance and investment tier. Past performance does not guarantee future results.
We formally commit to the following ethical obligations to all stakeholders in our ecosystem.
We commit to providing financial tools that enhance wellbeing without creating debt or dependency.
Workers are at the heart of our ecosystem. We commit to:
We commit to providing tools that improve workforce wellbeing and productivity while maintaining compliance.
Employers are key partners in our ecosystem. We commit to:
We commit to generating ethical returns while maintaining transparency and aligning investments with positive social impact.
Investors enable our mission of financial inclusion. We commit to:
We commit to creating positive social impact by reducing financial stress and eliminating predatory lending practices.
We recognize our responsibility to the broader communities we serve. We commit to:
We maintain robust governance structures to ensure adherence to our ethical principles:
Our independent Ethics Committee reviews all aspects of our operations to ensure alignment with our stated principles.
Independent Members
Ethics experts, financial inclusion specialists, and worker representatives
Quarterly Reviews
Regular assessment of operations against ethical principles
Public Reporting
Transparent publication of findings and recommendations
We maintain several layers of accountability to ensure adherence to our ethical commitments:
Annual Ethical Audit
Independent verification of our adherence to stated principles
Stakeholder Feedback Mechanisms
Regular channels for all stakeholders to provide input
Transparency Reporting
Regular public disclosure of operations and impact
Ethics Hotline
Anonymous reporting channel for ethical concerns
We take concrete steps to ensure our ethical principles are embedded in all aspects of our operations:
Our platform is built with ethical safeguards at its core:
Fixed Fee Architecture
System-wide limitation to £2.50 flat fee with no override capability
Transparency Algorithms
Automated calculation and display of all fees before transactions
Earned Wage Verification
Technical controls to ensure only earned wages are accessible
We are committed to constantly enhancing our ethical framework and practices:
Regular Stakeholder Consultations
Ongoing dialogue with workers, employers, investors and communities
Ethics Working Group
Dedicated team focused on ethical improvements
Annual Statement Updates
Regular review and enhancement of this statement
Industry Leadership
Advocating for higher ethical standards across the sector
"This Ethical Investment Statement represents our formal commitment to maintaining the highest standards of ethics and integrity in all aspects of our operations. We believe that financial returns and positive social impact are not mutually exclusive, but rather mutually reinforcing."
"We invite all stakeholders—workers, employers, investors, and communities—to hold us accountable to these principles and commitments as we work to create a more equitable and ethical financial ecosystem."
Last Updated: May 1, 2025
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