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  • Overall approach
    7/16
    • Overarching commitment on deforestation
      4/6
      Deforestation commitment
      Zero-deforestation
      4/6
      "SIPEF is committed to no deforestation."
    • Signatory to an initiative tackling deforestation
      0/1
    • Awareness of the value of forests
      1/1
      Awareness
      Yes
      1/1
      "The smallholder confirms that land clearing after 15 November 2018 did not and does not cause deforestation or damage any area required to protect or enhance High Conservation Values (HCVs) or High Carbon Stock (HCS) forest. HCVs and HCS forests in the managed area are identified and protected or enhanced."
    • Deforestation as a business risk
      1/1
      Business risk
      Yes
      1/1
      Does the company recognise the risk as financial, operational, competition, reputational, or other? Please detail.: Reputation
      "SIPEF wants to behave in an exemplary manner in the area of sustainability. As a European company listed on the stock exchange, we owe it to our investors to endorse the guaranteed respect of nature and people through the certification of all our activities and all our products, which takes into account the environmental and socially responsible standards for tropical industrial agriculture. As recently the good reputation of palm oil has come under pressure once again in the public opinion of France and Belgium, we are actively involved in setting up the Belgian Alliance for Sustainable Palm Oil, aimed at encouraging food producers and consumers to use sustainable palm oil. Through this organisation we are promoting a well-balanced image of the nutritional qualities of palm oil and clarifying the ecological and social criteria maintained by sustainable producers."
    • High-level management of deforestion
      1/1
      High-level management
      Yes
      1/1
      Which commodities does it apply to?: Palm oil

      How often does the committee or board meet to assess company's progress on addressing deforestation-related issues?: Not disclosed
      "SIPEF has made a top down commitment to Sustainability and ensuring it is well implemented and constantly evolving. This commitment starts at the board level where Directors Priscilla Bracht and Petra Meekers, both with board tenures until 2022 and 2024 respectively, assume a particular interest in the sustainability policies of the SIPEF Group. Further to this, SIPEF Indonesia has appointed a Sustainability Director working with well-resourced management teams at all locations where the SIPEF group is operational and represented. [...] The SIPEF RPP answers the “NDPE” commitments (no deforestation, no peat, no (social) exploitation) of our customers and of other stakeholders."
    • Executive compensation linked to deforestation
    • Target to reduce emissions from land-use change
      0/3
    • Reporting on emissions from land-use change
      0/3
    • Disclosure of conservation activity
      Yes
      0/0
      How many hectares of conservation area are being supported or facilitated by the company on land it does not own or manage?: 12755 HA
      "The Company has, for many years, with its diversity project, made a long-term contribution to nature conservation in Indonesia and also remains active in research and development. The more than 12 000 hectares of protected forest area near the Kerinci Seblat Reserve are constantly surveyed by the local SIPEF Biodiversity Indonesia (SBI) staff in Bengkulu."
    • Disclosure of reforestation activity
      Yes
      0/0
      How many hectares of reforestation or restoration are being or have been conducted or facilitated by the company?: 153 HA
      "To date (10/10/2020) the SIPEF biodiversity team has planted 153 ha of bare land with 9 native and 5 multipurpose trees and is tending these to restore the ecological viability of these areas. The team has also enriched over 26 000 trees of native species within logged over portions of degraded secondary forests. In addition, the team has logged more than 1152 patrols of which 85 were conjunction with the Government Forest Police and local NGOs."
  • Commodity score
    58/84
    • Palm oil
      58/84
      • Commitment Strength
        24/28
        • Commitment to protect priority forests
          8/12
          • Commitment details
            Zero-gross deforestation
            6/8
            Commitment to protect priority forests
            Zero-gross deforestation
            6/8
            Which certification schemes are used?: RSPO
            "SIPEF is committed to no deforestation. We believe in a landscape approach to new oil palm developments, guided by the methodology endorsed by the RSPO." "Our progress to achieve 100% of our supply base RSPO certified is reported annually to the RSPO through their Annual Communication of Progress and is accessible to all stakeholders." " All of the SIPEF mills are RSPO Identity Preserved, with the exception of Dendymarker Palm Oil Mill, which is RSPO Mass Balance, due to a large proportion of its supply base currently being in the process of RSPO certification. Of our entire production area 71.73% of our Estates and 93.67% of our smallholders are RSPO certified. "
          • Commitment applies to all regions, suppliers and operation
            Yes
            2/2
            Commitment applies to all regions, suppliers and operation
            Yes
            2/2
            "SIPEF is committed to no deforestation. We believe in a landscape approach to new oil palm developments, guided by the methodology endorsed by the RSPO." "Our progress to achieve 100% of our supply base RSPO certified is reported annually to the RSPO through their Annual Communication of Progress and is accessible to all stakeholders." " All of the SIPEF mills are RSPO Identity Preserved, with the exception of Dendymarker Palm Oil Mill, which is RSPO Mass Balance, due to a large proportion of its supply base currently being in the process of RSPO certification. Of our entire production area 71.73% of our Estates and 93.67% of our smallholders are RSPO certified. "
          • Target date
            No target date
            0/1.3
            Target date
            No target date
            0/1.3
            "SIPEF is committed to no deforestation. We believe in a landscape approach to new oil palm developments, guided by the methodology endorsed by the RSPO." "Our progress to achieve 100% of our supply base RSPO certified is reported annually to the RSPO through their Annual Communication of Progress and is accessible to all stakeholders." " All of the SIPEF mills are RSPO Identity Preserved, with the exception of Dendymarker Palm Oil Mill, which is RSPO Mass Balance, due to a large proportion of its supply base currently being in the process of RSPO certification. Of our entire production area 71.73% of our Estates and 93.67% of our smallholders are RSPO certified. "
          • Interim target date
            No
            0/0.7
            Interim target date
            No
            0/0.7
            "SIPEF is committed to no deforestation. We believe in a landscape approach to new oil palm developments, guided by the methodology endorsed by the RSPO." "Our progress to achieve 100% of our supply base RSPO certified is reported annually to the RSPO through their Annual Communication of Progress and is accessible to all stakeholders." " All of the SIPEF mills are RSPO Identity Preserved, with the exception of Dendymarker Palm Oil Mill, which is RSPO Mass Balance, due to a large proportion of its supply base currently being in the process of RSPO certification. Of our entire production area 71.73% of our Estates and 93.67% of our smallholders are RSPO certified. "
        • Commitment to protect High Carbon Stock areas and/or peatlands
          8/8
          • Commitment details
            Yes
            4/4
            Commitment to protect High Carbon Stock areas and/or peatlands
            Yes
            4/4
            Type of commitment: HCS; Peat
            "SIPEF will not develop peat areas, of any depth, into new estates (since November 2014)." "Our progress to achieve 100% of our supply base RSPO certified is reported annually to the RSPO through their Annual Communication of Progress and is accessible to all stakeholders."
          • Commitment applies to all regions, suppliers and operation
            Yes
            2/2
            Commitment applies to all regions, suppliers and operation
            Yes
            2/2
            "SIPEF will not develop peat areas, of any depth, into new estates (since November 2014)." "Our progress to achieve 100% of our supply base RSPO certified is reported annually to the RSPO through their Annual Communication of Progress and is accessible to all stakeholders."
          • Target date
            Current/2020/Pre-2020
            1.3/1.3
            Target date
            Current/2020/Pre-2020
            1.3/1.3
            "SIPEF will not develop peat areas, of any depth, into new estates (since November 2014)." "Our progress to achieve 100% of our supply base RSPO certified is reported annually to the RSPO through their Annual Communication of Progress and is accessible to all stakeholders."
          • Interim target date
            Yes
            0.7/0.7
            Interim target date
            Yes
            0.7/0.7
            "SIPEF will not develop peat areas, of any depth, into new estates (since November 2014)." "Our progress to achieve 100% of our supply base RSPO certified is reported annually to the RSPO through their Annual Communication of Progress and is accessible to all stakeholders."
        • Commitment to a traceable supply chain
          8/8
          • Commitment details
            Traces to Point of production
            4/4
            Commitment to a traceable supply chain
            Traces to Point of production
            4/4
            "Responsible sourcing: full traceability → Traceability is a key component of sustainability. SIPEF encourages full transparency of commodity supply chains. The customers of the Company have the right to know the origin of its products. SIPEF will disclose the origin of any shipment to its customers, and to concerned stakeholders. → All commodities sold by SIPEF are fully traceable to their place of production, either an estate managed by SIPEF or any smallholder plot. → SIPEF sources exclusively from traceable independent and scheme smallholders. The Group endeavours to have all its suppliers independently certified. "
          • Commitment applies to all regions, suppliers and operation
            Yes
            2/2
            Commitment applies to all regions, suppliers and operation
            Yes
            2/2
            "Responsible sourcing: full traceability → Traceability is a key component of sustainability. SIPEF encourages full transparency of commodity supply chains. The customers of the Company have the right to know the origin of its products. SIPEF will disclose the origin of any shipment to its customers, and to concerned stakeholders. → All commodities sold by SIPEF are fully traceable to their place of production, either an estate managed by SIPEF or any smallholder plot. → SIPEF sources exclusively from traceable independent and scheme smallholders. The Group endeavours to have all its suppliers independently certified. "
          • Target date
            Current/2020/Pre-2020
            1.3/1.3
            Target date
            Current/2020/Pre-2020
            1.3/1.3
            "Responsible sourcing: full traceability → Traceability is a key component of sustainability. SIPEF encourages full transparency of commodity supply chains. The customers of the Company have the right to know the origin of its products. SIPEF will disclose the origin of any shipment to its customers, and to concerned stakeholders. → All commodities sold by SIPEF are fully traceable to their place of production, either an estate managed by SIPEF or any smallholder plot. → SIPEF sources exclusively from traceable independent and scheme smallholders. The Group endeavours to have all its suppliers independently certified. "
          • Interim target date
            Yes
            0.7/0.7
            Interim target date
            Yes
            0.7/0.7
            "Responsible sourcing: full traceability → Traceability is a key component of sustainability. SIPEF encourages full transparency of commodity supply chains. The customers of the Company have the right to know the origin of its products. SIPEF will disclose the origin of any shipment to its customers, and to concerned stakeholders. → All commodities sold by SIPEF are fully traceable to their place of production, either an estate managed by SIPEF or any smallholder plot. → SIPEF sources exclusively from traceable independent and scheme smallholders. The Group endeavours to have all its suppliers independently certified. "
      • Social Considerations
        9/18
        • Labour rights in the supply chain
          No
          0/4
          Labour rights in the supply chain
          No
          0/4
          Details of commitment: Discrimination; Forced Labour; Child Labour
        • Inclusion of small-scale farmers
          Yes
          4/4
          Inclusion of small-scale farmers
          Yes
          4/4


          What is the nature of that support?: Certification; Technical assistance/support
          "In 2019 SIPEF worked closely with the The Government of Papua New Guinea (GoPNG) through the Climate Change and Development Authority (CCDA) in partnership with the United Nations Development Programme (UNDP) to develop tools which will allow smallholders to comply with no RSPO HCS-HCV identification and conservation requirements in proposed oil palm expansions. The tools are being developed in coordination with RSPO and will allow smallholders to enter deforestation free sustainable palm oil supply chains and contribute to PNG’s National Determined Contributions (NDC) under the UNFCCC. "
        • Gender equality in the supply chain
          Discrimination/Gender Rights/Harassment
          1/4
          Gender equality in the supply chain
          Discrimination/Gender Rights/Harassment
          1/4
          "The smallholder confirms that any form of discrimination is prohibited and there is no gender related discrimination with regards to employment or pay. [Reference documents: SIPEF Sexual Harassment Policy, SIPEF Equal Employment Opportunity Policy]"
        • Commitment to remediation
          Yes
          2/2
          Commitment to remediation
          Yes
          2/2
          "Since November 2014 SIPEF has committed to no deforestation or new plantings on peat of any depth for all of our crops. All new developments undergo an integrated High Carbon Stock and High Conservation Value Assessment in line with current relevant standards. For oil palm SIPEF is committed to the restoration of non-compliant land clearing our own operations and that of our third party FFB suppliers through respective compliance to the RSPO Remediation and Compensation Procedure."
        • Commitment to ensure Free, Prior and Informed Consent
          Yes the company commits to securing FPIC prior to acquiring new interests/developments/expansions
          2/4
          Commitment to ensure Free, Prior and Informed Consent
          Yes the company commits to securing FPIC prior to acquiring new interests/developments/expansions
          2/4
          " SIPEF believes that a thorough Free, Prior and Informed Consent (FPIC) process is critical to the long-term success of any new operation, both for the communities and for the Company. The first step of all new projects is a robust FPIC process."
      • Reporting and Implementation
        25/38
        • Reporting against commitments
          6/6
          • Commitment to protect priority forests
            Yes
            2/2
            Commitment to protect priority forests
            Yes
            2/2
            " All of the SIPEF mills are RSPO Identity Preserved, with the exception of Dendymarker Palm Oil Mill, which is RSPO Mass Balance, due to a large proportion of its supply base currently being in the process of RSPO certification. Of our entire production area 71.73% of our Estates and 93.67% of our smallholders are RSPO certified. "
          • Commitment to protect High Carbon Stock areas and/or peatlands
            Yes
            2/2
            Commitment to protect High Carbon Stock areas and/or peatlands
            Yes
            2/2
            " All of the SIPEF mills are RSPO Identity Preserved, with the exception of Dendymarker Palm Oil Mill, which is RSPO Mass Balance, due to a large proportion of its supply base currently being in the process of RSPO certification. Of our entire production area 71.73% of our Estates and 93.67% of our smallholders are RSPO certified. "
          • Commitment to a traceable supply chain
            Yes
            2/2
            Commitment to a traceable supply chain
            Yes
            2/2
            "In order to communicate our progress towards achieving a 100% certified sustainable and traceable supply base, SIPEF has developed an interactive mapping application called SIPEF Maps. The SIPEF Maps Traceability Tool allows the user to interact through Google Earth in order to locate all of the SIPEF palm oil mills and their supply bases. The user is able to either click on the mill and discover its supply base or click on the supply base and discover the mill it supplies. There is additional information provided related to the certification status and production capacity of the entity in question."
        • Reporting is independently verified
          3/4
          • Commitment to protect priority forests
            Yes: third-party
            1.3/1.3
            Commitment to protect priority forests
            Yes: third-party
            1.3/1.3
            " All of the SIPEF mills are RSPO Identity Preserved, with the exception of Dendymarker Palm Oil Mill, which is RSPO Mass Balance, due to a large proportion of its supply base currently being in the process of RSPO certification. Of our entire production area 71.73% of our Estates and 93.67% of our smallholders are RSPO certified. "
          • Commitment to protect High Carbon Stock areas and/or peatlands
            Yes: third-party
            1.3/1.3
            Commitment to protect High Carbon Stock areas and/or peatlands
            Yes: third-party
            1.3/1.3
            Which tools, approaches, third-party verification, including certification, schemes are used?: Certification schemes
            " All of the SIPEF mills are RSPO Identity Preserved, with the exception of Dendymarker Palm Oil Mill, which is RSPO Mass Balance, due to a large proportion of its supply base currently being in the process of RSPO certification. Of our entire production area 71.73% of our Estates and 93.67% of our smallholders are RSPO certified. "
          • Commitment to a traceable supply chain
            No
            0/1.3
        • Deforestation cut off date
          Yes
          2/2
          Deforestation cut off date
          Yes
          2/2
          Cut-off date: 15 November 2018
          "The smallholder can prove that there is no new planting on peat, regardless of depth, after 15 November 2018, and all already operated peatlands are managed as per the best management practices. The smallholder confirms that land clearing after 15 November 2018 did not and does not cause deforestation or damage any area required to protect or enhance High Conservation Values (HCVs) or High Carbon Stock (HCS) forest. HCVs and HCS forests in the managed area are identified and protected or enhanced."
        • Collaborative actions
          Yes
          2/2
          Collaborative actions
          Yes
          2/2
          What initiatives does the company participate in?: Smallholder development tool with the United Nations Development Programme (UNDP)

          What is the nature of that participation?: Attending & contributing to meetings; Providing support/advice/experience/expertise
          "In 2019 SIPEF worked closely with the The Government of Papua New Guinea (GoPNG) through the Climate Change and Development Authority (CCDA) in partnership with the United Nations Development Programme (UNDP) to develop tools which will allow smallholders to comply with no RSPO HCS-HCV identification and conservation requirements in proposed oil palm expansions. The tools are being developed in coordination with RSPO and will allow smallholders to enter deforestation free sustainable palm oil supply chains and contribute to PNG’s National Determined Contributions (NDC) under the UNFCCC. "
        • Risk assessments for forest risk
          Yes
          2/2
          Risk assessments for forest risk
          Yes
          2/2
          For what percentage of material produced or sourced by the company has forest risk been assessed?: 100%

          How frequently are assessments conducted?: new land development acquisition
          "SIPEF implements the High Conservation Value (HCV) and the High Carbon Stock Approach (HCSA1 ) methodologies to ensure that its plantation expansion does not result in the loss of areas of HCV, forests and ecosystem services. The HCV of all existing plantations has been assessed and recognised by the RSPO at the time of the original assessment. In November 2018, RSPO endorsed the new standard which requires HCS assessments in addition to HCV assessments, to ensure that oil palm expansion does not result in deforestation. New developments, which were assessed before the current RSPO standard was endorsed and on which land clearing is ongoing, are being assessed for HCS to ensure that no forests that are High Carbon Stock, are cleared. All subsequent new development areas are subject to an integrated HCV/HCS assessment, using assessors licensed by the HCV Resources Network2 , as required under the current RSPO standard endorsed in November 2018."
        • Operations assessed to comply with law
          No
          0/2
        • Accessible grievance mechanism
          Yes
          4/4
          Accessible grievance mechanism
          Yes
          4/4
          What is the nature of the grievance mechanism used by the company (own mechanism, that of external company, internationally recognised mechanism, focused on social issues, focused on environmental issues, etc.)?: webform

          Details of the mechanism: Social; Environmental

          Does the company publish grievances that have been made against it, as well as responses and resolutions including status and timeframes: YES
          "SIPEF believes that all stakeholders, internal and external, should be confident that their grievances will be heard and handled impartially. When receiving, and dealing with, concerns and grievances, SIPEF is committed: to abide by existing laws and regulations of the country where it operates."
        • Report volumes of commodity
          Reporting non-certified/non-compliant volume; Reporting certified/compliant volume
          4/4
          Report volumes of commodity
          Reporting non-certified/non-compliant volume; Reporting certified/compliant volume
          4/4
          What is the certified volume?: 862,980.23 tonnes

          For what percent of the company's supply volume is third-party verification of performance relative to commitments conducted?: 100%

          What is the non-certified/non-compliant volume?: 79,246.95 tonnes

          Which certification schemes are used?: RSPO
          within their 2019 ACOP report the company states "Total FFB volume produced by estates 922264.34 [...] Total certified FFB volume produced by certified estates 847767.46 [...] scheme smallholder total volume 19312.84 tonnes [...] scheme smallholder certified volume 14562.77 tonnes [...] Independent smallholder certified volume 650 tonnes"
        • Upstream: Impact assessments for land development/acquisition
          Yes
          4/4
          Upstream: Impact assessments for land development/acquisition
          Yes
          4/4
          How does the company remedy adverse social and environmental impacts linked to their operations and/or supply chains?: working with communities and stakeholders
          "SIPEF believes in the importance of being a ‘good neighbour’. Social-environmental impacts from its operations are controlled to avoid any negative impact on the surrounding population. Communities neighbouring the SIPEF operations, or affected by them, are consulted periodically, and as much as possible provided with opportunities to benefit from its activities. SIPEF provides employment, builds and maintains schools, roads, health centres, bridges and places of worship. Smallholder oil palm projects are developed with and for local communities, beyond legal requirements. "
        • Upstream: Reporting production/processing locations
          Reports location of certified land holdings; Reports location of land holdings under conservation; Reports location of uncertified land holdings only; Reports location of company-owned processing facilities
          4/4
          Upstream: Reporting production/processing locations
          Reports location of certified land holdings; Reports location of land holdings under conservation; Reports location of uncertified land holdings only; Reports location of company-owned processing facilities
          4/4
          What is the total area in production (in ha)?: 73,977 hectares

          For what percent are point locations (of land holdings and processing facilities) disclosed?: 100%

          For what percent are boundaries disclosed?: 100%

          In what country(ies) does the company operate and/or source material?: Indonesia, Papua New Guinea

          For what percent are point locations (of holdings under conservation) disclosed?: 100%

          For what percent are boundaries (of holdings under conservation) disclosed?: 100%

          For what percent are point locations (of certified land holdings) disclosed?: 100%

          For what percent are boundaries (of certified land holdings) disclosed?: 100%
          SIPEF Group report a detailed traceability tool displaying their company owned landholdings, mills, and conservation areas, as well as those of their smallholders.
        • Downstream: Publishing supplier lists
          Yes report direct suppliers
          2/4
          Downstream: Publishing supplier lists
          Yes report direct suppliers
          2/4
          For what percent are boundaries disclosed?: 100%

          For what percent of smallholder suppliers is location disclosed?: 100%

          From what country(ies) does the company source material?: Indonesia and Papua New Guinea
          SIPEF Group report a detailed traceability tool displaying their company owned landholdings, mills, and conservation areas, as well as those of their smallholders.
        • Upstream: Monitor compliance of production/processing
          Yes using an internal monitoring system
          4/4
          Upstream: Monitor compliance of production/processing
          Yes using an internal monitoring system
          4/4
          What tools, processes, bodies carry out monitoring of the company's production or processing operations?: HCV-HCS assessments

          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?: 100%

          Does the company use a certification system?: Yes

          Does the company use a jurisdictional monitoring mechanism?: No

          How frequently is compliance assessed?: regularly but not specified
          "SIPEF is committed to no deforestation. All new projects are developed after integrated HCV-HCS assessments . For ongoing projects, and acquired going concerns, HCS assessments are conducted with the results integrated into habitat management plans. "
        • Downstream: Monitor compliance in supply chain
          Yes for its suppliers only
          3/4
          Downstream: Monitor compliance in supply chain
          Yes for its suppliers only
          3/4
          How frequently is compliance assessed?: Not disclosed

          Details of monitoring: Using certification; Using internal monitoring and verification systems
          "SIPEF has developed a mechanism to select, suspend or exclude suppliers based on the sustainability standards it is committed to." "SIPEF does not buy from any (non-certified) third party suppliers, with the exception of its own plasma and associated smallholders. These smallholders must in turn comply with our Responsible Purchasing Policy which ensures that all of our supply base is or will become traceable and certified to the RSPO Standard as soon as possible. It also provides the framework for the procedures required to select, monitor and if necessary expel plasma smallholders from our supply base. As such, while some of our supply base is not yet certified, all of it is traceable. "
        • Downstream: Engagement with non-compliant suppliers
          Engage with suppliers but with no time-bound threat of exclusion
          1/2
          Downstream: Engagement with non-compliant suppliers
          Engage with suppliers but with no time-bound threat of exclusion
          1/2
          What criteria does the policy specify for blacklisting or exclusion?: Not disclosed

          Does the company engage non-compliant indirect suppliers in order to address and remedy non-compliance?: No

          What type of support does the company offer to its suppliers to help them achieve compliance with commitments?: Not disclosed
          "SIPEF has developed a mechanism to select, suspend or exclude suppliers based on the sustainability standards it is committed to." "SIPEF does not buy from any (non-certified) third party suppliers, with the exception of its own plasma and associated smallholders. These smallholders must in turn comply with our Responsible Purchasing Policy which ensures that all of our supply base is or will become traceable and certified to the RSPO Standard as soon as possible. It also provides the framework for the procedures required to select, monitor and if necessary expel plasma smallholders from our supply base. As such, while some of our supply base is not yet certified, all of it is traceable. "
        • Downstream: Disclosure of non-compliant suppliers
          No disclosure
          0/2
  • Commitment strength
    24/28
    Avg. score
  • Reporting and Implementation
    25/38
    Avg. score
  • Social considerations
    9/18
    Avg. score

Profile

Sipef Group is a Belgian company, with subsidaries located in Indonesia, Papua New Guinea and the Ivory Coast. It operates agro-industrial activities primarily in the production of oil palm products, as well as natural rubber, tea, bananas, flowers and foliage.

Sector
Industry sector 
Agri commodities
Segments
Producer, Trader, Processor
HQ
HQ 
Belgium
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.