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  • Overall approach
    5/12
    • Overarching commitment on deforestation
      0/4
      Commodity-specific commitment - commitment that does not apply to all of the commodities the company is exposed to
      0/4
      "Key Policy commitments to deliver sustainably produced products are: • No deforestation; conservation of High Conservation Value (HCV) and High Carbon Stock (HCS) areas • No planting on peat regardless of depth • No burning"
    • Signatory to an initiative tackling deforestation
      0/1
    • Awareness of the value of forests
      1/1
      Yes
      1/1
      "In protecting forests, peatlands and biodiversity, we regularly evaluate environmental risks and the value of ecosystems as well actively conserve HCS and HCV areas."  
    • Deforestation as a business risk
      1/1
      Yes
      1/1
      Does the company recognise the risk as financial, operational, competition, reputational, or other? Please detail.: All, mainly reputational and financial
      "The impacts of forest fires can be catastrophic – loss of life, loss of biodiversity, and adverse impacts on the health of surrounding communities. Fires also incur long-term commercial, reputational, and financial costs to businesses. [...] As an agribusiness operating in one of earth’s most biologically and culturally rich areas, IndoAgri recognises our role in protecting the environment and safeguarding the ecosystem services that we are reliant on, ensuring their resilience and our long-term sustainability"; "Our commercial risk assessment covers forest risk, fire risk, peatland and other soil risk. These risks not only affect the commercial value but also the intrinsic value of eco systems, riparian areas and local communities."
    • High-level management of deforestion
      1/1
      Yes
      1/1
      Which commodities does it apply to?: Palm oil
      "The CEO steers and updates the Board on the Group’s sustainability performance, and is personally involved in all discussions and correspondences relating to sustainability. The CEO is supported by the management team, an ERM unit, R&D team, as well as sustainability representatives from all business units [...] "Key Policy commitments to deliver sustainably produced products are: • No deforestation"
    • Executive compensation linked to deforestation
    • Target to reduce emissions from land-use change
      0/2
    • Reporting on emissions from land-use change
      2/2
      Yes
      2/2
      What is the total volume of GHG emissions arising from land use change?: 193,000 tCO2e
      Reported Land Conversion emissions for 2020: 193 tCO2 e (‘000). 
    • Disclosure of conservation activity
    • Disclosure of reforestation activity
      Yes
      0/0
      "Since 2016, we have planted approximately 188,508 trees in over 783 hectares of HCV areas"
    • Target to reduce emissions in scope 1/2
  • Commodity score
    43/88
    • Palm oil
      58/88
      • Commitment Strength
        15/20
        • Commitment to protect priority forests
          6/8
          • Commitment details
            Zero-gross deforestation
            4/6
            Commitment to protect priority forests
            Zero-gross deforestation
            4/6
            "Key Policy commitments to deliver sustainably produced products are: • No deforestation; conservation of High Conservation Value (HCV) and High Carbon Stock (HCS) areas • No planting on peat regardless of depth • No burning"
          • Commitment applies to all regions, suppliers and operation
            Yes
            1.3/1.3
            Commitment applies to all regions, suppliers and operation
            Yes
            1.3/1.3
            "Key Policy commitments to deliver sustainably produced products are: • No deforestation; conservation of High Conservation Value (HCV) and High Carbon Stock (HCS) areas • No planting on peat regardless of depth • No burning"
          • Target date
            Current/achieved
            0.7/0.7
            Target date
            Current/achieved
            0.7/0.7
            "Key Policy commitments to deliver sustainably produced products are: • No deforestation; conservation of High Conservation Value (HCV) and High Carbon Stock (HCS) areas • No planting on peat regardless of depth • No burning"
          • Interim target date
            NA (target date current or achieved or 2022)
            0.3/0.3
            Interim target date
            NA (target date current or achieved or 2022)
            0.3/0.3
            "Key Policy commitments to deliver sustainably produced products are: • No deforestation; conservation of High Conservation Value (HCV) and High Carbon Stock (HCS) areas • No planting on peat regardless of depth • No burning"
        • Commitment to protect High Carbon Stock areas and/or peatlands
          4/5
          • Commitment details
            Yes
            3/3
            Commitment to protect High Carbon Stock areas and/or peatlands
            Yes
            3/3
            Type of commitment: HCS; Peat
            "Key Policy commitments to deliver sustainably produced products are: • No deforestation; conservation of High Conservation Value (HCV) and High Carbon Stock (HCS) areas • No planting on peat regardless of depth • No burning"
          • Commitment applies to all regions, suppliers and operation
            No
            0/1.3
            Commitment applies to all regions, suppliers and operation
            No
            0/1.3
            If no, what is excluded?: Subsidary
            "Key Policy commitments to deliver sustainably produced products are: • No deforestation; conservation of High Conservation Value (HCV) and High Carbon Stock (HCS) areas • No planting on peat regardless of depth • No burning"
          • Target date
            Current/achieved
            0.7/0.7
            Target date
            Current/achieved
            0.7/0.7
            "Key Policy commitments to deliver sustainably produced products are: • No deforestation; conservation of High Conservation Value (HCV) and High Carbon Stock (HCS) areas • No planting on peat regardless of depth • No burning"
          • Interim target date
            NA (target date current or achieved or 2022)
            0.3/0.3
            Interim target date
            NA (target date current or achieved or 2022)
            0.3/0.3
            "Key Policy commitments to deliver sustainably produced products are: • No deforestation; conservation of High Conservation Value (HCV) and High Carbon Stock (HCS) areas • No planting on peat regardless of depth • No burning"
        • Commitment to a traceable supply chain
          5/6
          • Commitment details
            Traces to Point of production
            4/4
            Commitment to a traceable supply chain
            Traces to Point of production
            4/4
            "To establish the traceability of each tonne of palm oil, we record the following: • Name, parent company, address • GeoCoordinates of plantation1 and mill • Nucleus or plasma KUD/kelompok profile and data • Refinery dispatch number • Certification status [...] Supply chain traceability and transparency > 100% of FFB processed in mills is traceable to estates > 100% of CPO processed in refineries is traceable to mills > 100% of PK processed in kernel crushers is traceable to estates > 100% mills audited to Policy requirements"
          • Commitment applies to all regions, suppliers and operation
            No
            0/1.3
            Commitment applies to all regions, suppliers and operation
            No
            0/1.3
            If no, what is excluded?: Subsidary
          • Target date
            Current/achieved
            0.7/0.7
            Target date
            Current/achieved
            0.7/0.7
            "To establish the traceability of each tonne of palm oil, we record the following: • Name, parent company, address • GeoCoordinates of plantation1 and mill • Nucleus or plasma KUD/kelompok profile and data • Refinery dispatch number • Certification status [...] Supply chain traceability and transparency > 100% of FFB processed in mills is traceable to estates > 100% of CPO processed in refineries is traceable to mills > 100% of PK processed in kernel crushers is traceable to estates > 100% mills audited to Policy requirements"
          • Interim target date
            NA (target date current or achieved or 2022)
            0.3/0.3
            Interim target date
            NA (target date current or achieved or 2022)
            0.3/0.3
            "To establish the traceability of each tonne of palm oil, we record the following: • Name, parent company, address • GeoCoordinates of plantation1 and mill • Nucleus or plasma KUD/kelompok profile and data • Refinery dispatch number • Certification status [...] Supply chain traceability and transparency > 100% of FFB processed in mills is traceable to estates > 100% of CPO processed in refineries is traceable to mills > 100% of PK processed in kernel crushers is traceable to estates > 100% mills audited to Policy requirements"
      • Social Considerations
        15/18
        • Labour rights in the supply chain
          Yes
          4/4
          Labour rights in the supply chain
          Yes
          4/4
          Details of commitment: ILO; UN Declaration for HR; Discrimination; Forced labour; Child labour; Freedom of association
          "IndoAgri is committed to ensuring that the rights of all people working in our operations are respected and represented. We adhere to all national and local laws, including laws on employees’ freedom of association and collective bargaining, decent pay and working hours, non-discrimination and equal opportunities, and the elimination of forced and child labour.  Our Sustainable Agriculture Policy and Labour Policy outline our commitment to respect and protect the rights of our workers, comply with the Indonesian law as well as the UN Universal Declaration on Human Rights and the International Labour Organisation (ILO) codes of practice ratified by the Republic of Indonesia."
        • Inclusion of small-scale farmers
          Yes
          4/4
          Inclusion of small-scale farmers
          Yes
          4/4
          What is the nature of that support?: Education and training
          "work with our smallholders to help them develop capacity and improve quantity and quality of yield [...] In Indonesia, smallholders account for more than 40% of all oil palm cultivated. IndoAgri recognises the crucial role smallholders play in the palm oil industry, and hence we support and engage our smallholders through various capacity building and training programs"
        • Gender equality in the supply chain
          Commitment to address gender related labour rights including discrimination and harassment
          1/4
          Gender equality in the supply chain
          Commitment to address gender related labour rights including discrimination and harassment
          1/4
          "We are committed to upholding the principle of equal opportunity and supporting the inclusion of women across our operations, including addressing barriers faced. Our Labour Policy sets out the role of Gender Committees in all our work units and how they champion the interests of women at work and home. We have zero tolerance for sexual harassment and conduct regular socialisation initiatives to ensure all our workers adhere to our gender policies. All estates are required to complete an annual questionnaire to show that their operations comply with government regulations on diversity and discrimination."
        • Commitment to remediation
          Yes
          2/2
          Commitment to remediation
          Yes
          2/2
          Type of harm covered: Social harm; Environmental harm
          " For cases involving land compensation, we have established certification and confirmation processes for proof of ownership, to ensure that the right person is compensated, with the village head present as witness."
        • Commitment to ensure Free, Prior and Informed Consent
          Yes, the company commits to securing FPIC prior to acquiring new interests, developments, or expansions
          4/4
          Commitment to ensure Free, Prior and Informed Consent
          Yes, the company commits to securing FPIC prior to acquiring new interests, developments, or expansions
          4/4
          "Our Sustainable Agriculture Policy (“Policy”) guides all our sustainability programmes. It applies to all our operations, including our plasma smallholders and third-party suppliers from whom we purchase for our factories. Key Policy commitments to deliver sustainably produced products are: [...] Free Prior and Informed Consent (FPIC)." 
        • Commitment to resolve land conflicts
          No
      • Reporting and Implementation
        28/50
        • Reporting against commitments
          2/2
          • Commitment to protect priority forests
            Yes, for all commodity exposure
            1.7/1.7
            Commitment to protect priority forests
            Yes, for all commodity exposure
            1.7/1.7
            "By end 2023: ISPO certification for all estates Achieved 80% of targeted hectarage; By end 2023: ISPO certification for all mills Achieved certification for 18 out of 27 mills. Additional 6 mills have undergone first round of audits; By 2020: 100% of CPO we refine is sourced in accordance with Policy Achieved; By 2025: 100% of CPO we refine is ISPO-certified On tracked. 70% of CPO we refined in 2020 is ISPO-certified"
          • Commitment to protect High Carbon Stock areas and/or peatlands
            Yes, for all commodity exposure
            1.7/1.7
            Commitment to protect High Carbon Stock areas and/or peatlands
            Yes, for all commodity exposure
            1.7/1.7
            Progress is reported on via their 2019 sustainability report - "REDUCING ENVIRONMENTAL IMPACT - No planting on peatland and continue maintaining peat water levels = Since 2013, no new planting on peatlands and water levels maintained in all peatlands under our control [...] Compliance with our policy of no deforestation and zero HCV loss = Full compliance"
          • Commitment to a traceable supply chain
            Yes, for all commodity exposure
            1.7/1.7
            Commitment to a traceable supply chain
            Yes, for all commodity exposure
            1.7/1.7
            Does the company report on the degree of compliance/progress with commitments, disaggregated by relevant factors such as origin or supply chain stage?: Yes
            "To establish the traceability of each tonne of palm oil, we record the following: • Name, parent company, address • GeoCoordinates of plantation1 and mill • Nucleus or plasma KUD/kelompok profile and data • Refinery dispatch number • Certification status [...] Supply chain traceability and transparency > 100% of FFB processed in mills is traceable to estates > 100% of CPO processed in refineries is traceable to mills > 100% of PK processed in kernel crushers is traceable to estates > 100% mills audited to Policy requirements"
        • Reporting is independently verified
          0/1
          • Commitment to protect priority forests
            No
            0/1
          • Commitment to protect High Carbon Stock areas and/or peatlands
            No
            0/1
          • Commitment to a traceable supply chain
            Yes, using an internal verification system.
            0.5/1
            Commitment to a traceable supply chain
            Yes, using an internal verification system.
            0.5/1
            Which tools, approaches, third-party verification, including certification, schemes are used?: Internally audited 
            "100% mills audited to Policy requirements"
        • Suppliers aligned with deforestation commitments across supply chain
          Yes, required
          2/2
          Suppliers aligned with deforestation commitments across supply chain
          Yes, required
          2/2
          "We believe that environmental protection can only be achieved with cooperation across the value chain. As outlined in our Policy, we expect our suppliers to comply with our sustainability standards."
        • Deforestation cut off date
          Yes, for partial sourcing regions/operations
          1/2
          Deforestation cut off date
          Yes, for partial sourcing regions/operations
          1/2
          What cut-off date is specified?: 2011
          "We commit to buying palm oil from smallholders and external suppliers that does not originate from areas cleared of primary forest since 2011."
        • Collaborative actions
          Yes
          2/2
          Collaborative actions
          Yes
          2/2
          What is the nature of that participation?: Attending & contributing to meetings; Providing support/advice/experience/expertise; Providing technical capacity

          What initiatives does the company participate in?: Ministry of Environment and Forestry - Fire Initiative [...] Smallholder Certification
          "We have trained fire control teams and fire specialists across all our plantations. Our estates are equipped with vehicles and equipment for firefighting. Our fire specialists are regularly trained in fire prevention and firefighting. Training is done in collaboration with the Ministry of Environment and Forestry, the military, police, and the local government. IndoAgri delivered 39 fire control training days in 2019. As of 2019, we have a total of 194 fire towers across all our estates. We continued with the implementation of our community collaboration programmes to build local capacity and knowledge to prevent fires. Since the launch of the programme in 2016, we have engaged 38 local villages, and in 2019, assisted in fire-fighting efforts at 26 villages" [...] "Our Smallholder Programme aims to increase ISPO certification for plasma and independent smallholders. The smallholders in this programme understand that the ISPO certification will improve their agricultural practices, labour practices, and access to markets. In 2019, we assisted ten KUDs in the first and second stage ISPO audits. One of the ten KUD is awaiting certificate issuance in 2020."
        • Risk assessments for forest risk
          Yes
          2/2
          Risk assessments for forest risk
          Yes
          2/2
          How frequently are assessments conducted?: Prior to new planting 

          For what percentage of material produced or sourced by the company has forest risk been assessed?: 100%
          "Prior to any new planting, HCV and HCS assessments are required. During new planting and replanting in 2019, no primary forest or HCV land was affected."
        • Operations assessed to comply with law
          Yes
          2/2
          Operations assessed to comply with law
          Yes
          2/2
          "We commit to comply with all relevant laws and regulations. We also commit to adhere to, and act in accordance with, the Principles and Criteria of National and International certification programmes to which we have registered." "All our plantations, processing units (palm oil mills and other crop factories) and third party suppliers must demonstrate their understanding and acceptance of our Sustainable Agriculture Policy, and must respond to questionnaire-based information collection to help affirm this.  Audit all our suppliers annually, or at least every two years, and work with them on resolving areas of concerns identified.  Not source from suppliers who are in contravention of this policy, or failing to set reasonable time bound targets to adopt this policy."
        • Accessible grievance mechanism
          No
          0/4
        • Report volumes of commodity
          Reporting total volume
          2/2
          Report volumes of commodity
          Reporting total volume
          2/2
          Total/partial volume reported: 3,710,000 tonnes 
          "In 2020, we produced 3,710,000 tonnes of FFB from our nucleus estates, plasma, and third parties."
        • Report verified volumes of commodity
          Some disclosure of compliant commodity/unclear % of volume/no verification of reporting
          1/6
          Report verified volumes of commodity
          Some disclosure of compliant commodity/unclear % of volume/no verification of reporting
          1/6
          What third-party verification is used?: ISPO

          What is the compliant volume?: 703,020 tonnes
          ISPO certification is not strong enough for true verification: "78% of nucleus CPO production is ISPO certified, 72% of PK production is ISPO-certified"
        • Upstream: Monitor compliance with human rights
          Yes, company discloses how many land developments or site acquisitions, by either itself or its suppliers, indicated the use of FPIC to secure consent of indigenous peoples/local communities
          2/4
          Upstream: Monitor compliance with human rights
          Yes, company discloses how many land developments or site acquisitions, by either itself or its suppliers, indicated the use of FPIC to secure consent of indigenous peoples/local communities
          2/4
          " Besides compliance to our Policy, our assessments also focus on: • agronomy (good agricultural practices, yield, soil health, crop protection); • responsible operations (safety, biodiversity, peatland; fire risk, human rights, community engagement, FPIC);"
        • Upstream: Impact assessments for land development/acquisition
          Yes
          4/4
          Upstream: Impact assessments for land development/acquisition
          Yes
          4/4
          For what percentage of production units has an ESIA been carried out as part of the land use planning process?: 100%
          "Every land transaction that we are involved in complies with Indonesian law and company policy. Prior to the development of every estate, we conduct an Environmental Impact Assessment (locally known as ‘Analisis Dampak Linkungan’ or ‘AMDAL’) and Social Impact Assessment (SIA), which enables us to identify baseline conditions and likely social impacts of development. 100% of our operations have undergone AMDAL and SIA, in accordance with Indonesian law. The assessment results and our land development plans are shared with the local village government and community to obtain their input and approval" 
        • Upstream: Reporting production/processing locations
          No disclosure
          0/4
        • Upstream: Monitor compliance of production/processing
          Yes, using a third-party verification system
          4/4
          Upstream: Monitor compliance of production/processing
          Yes, using a third-party verification system
          4/4
          Does the company use a jurisdictional monitoring mechanism?: Yes

          What tools, processes, bodies carry out monitoring of the company's production or processing operations?: ISPO

          Does the company use a certification system?: No

          For what percentage of production or primary processing operations that it owns, manages, or otherwise controls does the company use external processes or actors, such as certification, to monitor compliance?: 80%

          How frequently is compliance assessed?: Not disclosed
          "All our mills and third party suppliers must demonstrate their understanding and acceptance of our Sustainable Palm Oil Policy, and must respond to questionnaire based information collection to help affirm this. Audit all our suppliers annually, or at least every two years, and work with them on resolving areas of concerns identified.  Not source from suppliers who are in contravention of this policy, or failing to set reasonable time bound targets to adopt this policy." "As more than 75% of our CPO supply is from our own mills, we focus our Policy compliance audit on our internal supply chains. In 2019, we conducted 191 visits, workshops, and audits on 100% of our mills and their supplying estates. " "100% internal mills audited to Policy requirements". "All of our plantations have been registered for ISPO certification, out of which 80% have been certified and audited. We extended the deadline of our target to achieve 100% ISPO certification to 2023 due to new areas under development."
        • Upstream: Reporting hectares of deforestation
          No
          0/4
    • Pulp & Paper *
      11/88
      • Commitment Strength
        0/20
        • Commitment to protect priority forests
          0/8
          • Commitment details
            No commitment
            0/6
          • Commitment applies to all regions, suppliers and operation
            No
            0/1.3
          • Target date
            No target date
            0/0.7
          • Interim target date
            No
            0/0.3
        • Commitment to reduce use of virgin wood fibre
          0/5
          • Commitment details
            No
            0/3
          • Commitment applies to all regions, suppliers and operation
            No
            0/1.3
          • Target date
            No target date
            0/0.7
          • Interim target date
            No
            0/0.3
        • Commitment to a traceable supply chain
          0/6
          • Commitment details
            No traceability commitment
            0/4
          • Commitment applies to all regions, suppliers and operation
            No
            0/1.3
          • Target date
            No target date
            0/0.7
          • Interim target date
            No
            0/0.3
      • Social Considerations
        11/18
        • Labour rights in the supply chain
          Yes
          4/4
          Labour rights in the supply chain
          Yes
          4/4
          Details of commitment: ILO; UN Declaration for HR; Discrimination; Forced labour; Child labour; Freedom of association
          "IndoAgri is committed to ensuring that the rights of all people working in our operations are respected and represented. We adhere to all national and local laws, including laws on employees’ freedom of association and collective bargaining, decent pay and working hours, non-discrimination and equal opportunities, and the elimination of forced and child labour.  Our Sustainable Agriculture Policy and Labour Policy outline our commitment to respect and protect the rights of our workers, comply with the Indonesian law as well as the UN Universal Declaration on Human Rights and the International Labour Organisation (ILO) codes of practice ratified by the Republic of Indonesia."
        • Inclusion of small-scale farmers
          No
          0/4
        • Gender equality in the supply chain
          Commitment to address gender related labour rights including discrimination and harassment
          1/4
          Gender equality in the supply chain
          Commitment to address gender related labour rights including discrimination and harassment
          1/4
          "We are committed to upholding the principle of equal opportunity and supporting the inclusion of women across our operations, including addressing barriers faced. Our Labour Policy sets out the role of Gender Committees in all our work units and how they champion the interests of women at work and home. We have zero tolerance for sexual harassment and conduct regular socialisation initiatives to ensure all our workers adhere to our gender policies. All estates are required to complete an annual questionnaire to show that their operations comply with government regulations on diversity and discrimination."
        • Commitment to remediation
          Yes
          2/2
          Commitment to remediation
          Yes
          2/2
          Type of harm covered: Social harm; Environmental harm
          " For cases involving land compensation, we have established certification and confirmation processes for proof of ownership, to ensure that the right person is compensated, with the village head present as witness."
        • Commitment to ensure Free, Prior and Informed Consent
          Yes, the company commits to securing FPIC prior to acquiring new interests, developments, or expansions
          4/4
          Commitment to ensure Free, Prior and Informed Consent
          Yes, the company commits to securing FPIC prior to acquiring new interests, developments, or expansions
          4/4
          "Our Sustainable Agriculture Policy (“Policy”) guides all our sustainability programmes. It applies to all our operations, including our plasma smallholders and third-party suppliers from whom we purchase for our factories. Key Policy commitments to deliver sustainably produced products are: [...] Free Prior and Informed Consent (FPIC)." 
        • Commitment to resolve land conflicts
          No
      • Reporting and Implementation
        0/50
        • Reporting against commitments
          0/2
          • Commitment to protect priority forests
            No
            0/1.7
          • Commitment to reduce use of virgin wood fibre
            No
            0/1.7
          • Commitment to a traceable supply chain
            No
            0/1.7
        • Reporting is independently verified
          0/1
          • Commitment to protect priority forests
            No
            0/1
          • Commitment to reduce use of virgin wood fibre
            No
            0/1
          • Commitment to a traceable supply chain
            No
            0/1
        • Suppliers aligned with deforestation commitments across supply chain
          No
          0/2
        • Deforestation cut off date
          No
          0/2
        • Collaborative actions
          No
          0/2
        • Risk assessments for forest risk
          No
          0/2
        • Operations assessed to comply with law
          No
          0/2
        • Accessible grievance mechanism
          No
          0/4
        • Report volumes of commodity
          No reporting
          0/2
        • Report verified volumes of commodity
          No disclosure
          0/6
        • Upstream: Monitor compliance with human rights
          No
          0/4
        • Downstream: Publishing supplier lists
          No
          0/4
        • Downstream: Monitor compliance in supply chain
          No
          0/4
        • Downstream: Reporting hectares of deforestation
          No
          0/4
        • Downstream: Engagement with non-compliant suppliers
          No engagement or exclusion
          0/2
        • Downstream: Disclosure of non-compliant suppliers
          No disclosure
          0/2
  • * commodity scores for which a company is not a powerbroker are given half the weighting of other commodities in total scores

  • Commitment strength
    10/20
    Avg. score
  • Reporting and Implementation
    18/50
    Avg. score
  • Social considerations
    14/18
    Avg. score

Profile

Salim Group is a large Indonesian conglomerate. Its subsidiary Indofood Agri is a vertically integrated agribusiness company spanning the entire palm oil supply chain from cultivation to product manufacturing and marketing. Products produced include cooking oils and margarines under several brands which are sold both directly and through retailers. Salim Group is selected as a powerbroker for palm oil.

Sector
Industry sector 
Agri commodities, Agriculture, Oils & fats
Segments
Producer
HQ
HQ 
Indonesia
Company Type
Company type 
Public listed
Collective Commitments
Consumer Goods Forum member
New York Declaration on Forests signatory

How we assess the Forest 500

To ensure deforestation free supply chains, companies need to adopt and implement timebound and measurable policies for forest risk commodities.

All assessments use policies published on company websites, some links may have changed or been removed since the time of assessment.

Disclaimer

This assessment has been carried out following the methodology developed for the Forest 500 project, available here. Please see our disclaimer applicable to all information contained within this site and our terms and conditions for use of data presented on this site.

All assessments use policies published on company and financial institution websites, and while we endeavor to keep them updated some links may have changed or been removed since the time of assessment.

Please contact us with any concerns or feedback about this or other assessments included in the Forest 500.