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Our Values



At Simply Ethical we fully support the Treating Customers Fairly (TCF) initiative introduced by the Financial Conduct Authority (formerly FSA) which is aimed at promoting the fair treatment of customers. Fair treatment of our customers is core to our culture and the way that we behave and conduct our business.

Simply Ethical is committed to the FCA’s Treating Customers Fairly (TCF) initiative which sets out six key consumer outcomes:

Outcome 1: TCF culture is central to the firm

Outcome 2: Products and services meet the needs of customers

Outcome 3: Clear information is given to customers

Outcome 4: Suitable advice is provided to customers

Outcome 5: Products perform in line with customers expectations

Outcome 6: No unreasonable post-sale barriers imposed

What these TCF outcomes mean to Simply Ethical

Outcome 1: TCF culture is central to the firm

At Simply Ethical, treating customers fairly is at all times a central part of how we conduct our business and is embedded into our culture. All areas of our business from front office which includes interacting with you to our back office system which includes many functions including operations, compliance, research, portfolio management, staff training and others are designed to ensure that your interests are always put first.

Outcome 2: Products and services meet the needs of customers

Simply Ethical is dedicated to offering ethical solutions that meet your needs. We have set in place rigorous procedures to ensure compliance with ethical principles and appropriateness of products and services offered. It is ensured that the products and services we provide are ethical and tailored to meet your needs, objectives and your attitude to risk for those receiving financial advice.

Outcome 3: Clear information is given to customers

Our aim is to provide information in a format that is clear and accurate at all times. We can provide information to you in writing, by telephone, email or via our website. Our website is constantly reviewed to ensure clarity and suitability of information provided at every stage of the transaction process. Our staff receives regular training to ensure that the information provided is clear and appropriate before, during and after the point of sale.

Outcome 4: Suitable advice is provided to customers

Should you engage us as your adviser, we ensure that the advice provided is suitable and takes into account your circumstances. Our fact find and risk assessment process is carefully designed to allow us to fully comprehend your circumstances. Moreover, our advisers are well qualified and committed towards continuously developing their knowledge and remain updated on the industry developments. These two factors combined ensure that suitable advice based on your circumstances is given at all times.

Outcome 5: Products perform in line with customers expectations

Investment returns are never guaranteed; hence transparency is critical. We explain to you the charges, the service level and risks associated with the products and investments recommended. Our execution only site and our advice process ensures that everything in made transparent to you so that you can make informed decisions and the products meet your expectations.

Outcome 6: No unreasonable post-sale barriers imposed

As our customer, we ensure that you do not face unreasonable post-sale barriers imposed by us to change product, switch provider, submit a claim or make a complaint. Our complaints procedure ensures that your complaint is handled in a consistent, timely and fair manner.

Treating customers fairly is embedded into our corporate culture and reflected in our overall strategy. We remain fully committed to the fair treatment of our customers and hence our standards are monitored on an on-going basis.

More information on TCF can be found on the FCA website:

For any queries, please contact us.


We want you to achieve financial success through positive values and good ethics. Therefore, we take into account environmental, social, governance (ESG) and ethical issues in our investment process of research, analysis, selection and ongoing ethical monitoring of investments.

We believe such investments will not only appeal to the socially responsible investors but also to people of various faiths. Adherence to these principles means that the investments offered are compatible with the teachings of the Islamic faith, therefore are Sharia compliant. 

A summary of our investment values is provided below. For complete details on our investment screening criteria, please read our Ethical Investment Policy Statement.

Examples of our negative and positive screening criteria are shown below:


Exclude investments involved in alcohol production, distribution, promotion or retailing. For e.g. brewery, pubs, bars, clubs.


Exclude investments involved in tobacco production, distribution, promotion or retailing.


Exclude investments that are involved in gambling or mainly involved in production, servicing, supporting and promoting gambling activities. For e.g. betting shops, casinos or amusement arcades.

Nuclear power

Exclude provider of critical services to, or own or operate, nuclear facilities.


Exclude manufacturers and suppliers of armaments, nuclear weapons or associated products.

Animal welfare

Exclude companies involved in animal exploitation.


Exclude providers of adult entertainment services, its distributors, its supporters and promoters. For e.g. TV channels, magazines, newspapers

Entertainment and media

We believe most of the entertainment industry has negative impact on society and promotes many negative things such as voilence, drugs, nudity and other negatives. Therefore, we exclude investments or companies involved in adult entertainment, cinema, broadcasting, gambling, music, video games and art. Broadcasting news and publishing organisations mainly engaged in deliberate misinformation, inciting religious or race hatred, creating division between societies and preventing social cohesion will also be excluded.


Companies consistently damaging environment and those involved in activities which are commonly held to be environmentally unsound are excluded. Companies in breach of internationally recognised conventions on biodiversity and companies in energy intensive industries which are not tackling the issue of climate change are excluded.

We will endeavour to support investments that have a beneficial impact on society and the planet e.g. green energy etc.  

Fair treatment for all

We will not provide investments that do not uphold fair trade – workers, suppliers and all stakeholders must be treated fairly.

Safe working environment

Exclude companies that do not have a workplace health and safety policy that meets the minimum standards set in the relevant jusrisdiction or continously breach the minimum safety standards.

Corporate governance

We are committed to seeking high standards of corporate governance at the companies or funds which we make available for investment. A number of factors are considered, including but are not limited to areas such as employee relations, gender diversity in the boardroom, balance of power between CEO and board of directors, environment reporting and, of course, executive remuneration policies. The application of corporate governance policy reflects the power that you have as an investor. Maintaining corporate governance checks helps minimise investment risk and create a positive impact by incentivising companies to maintain higher standards of practice.

Banks and financial institutions

We believe the role of money should be purely as a store of value and medium of exchange and not used as a commodity in its own right, traded by applying interest to it. Therefore, we exclude banks and other financial institutions involved in interest bearing borrowing or lending. For e.g. conventional banks, payday loan companies etc.

Highly indebted investments

The shares & investment funds we provide, limit the amount of interest based borrowing to a maximum of 33% of the total capital in the underlying businesses.

Speculative investments

We will exclude provision of investments in speculative instruments e.g. conventional derivatives, CFDs, spread betting, short selling etc.

Oppressive regimes, corruption and terrorism

Investments or companies directly involved in or supporting and promoting oppressive regimes, corruption and terrorism will be excluded.

Other factors

Exclude investments in pork and non-halal food.


Simply Ethical was founded with the core objective of helping UK Muslims achieve Sharia compliance in their financial affairs - be it saving for children's future, buying a house or saving for retirement.

Since our inception in 2010, we have always remained committed to offering financial solutions that are Sharia compliant. We do not engage in any services that are deemed non-compliant. As a client or potential client, you can be assured that all our solutions are Sharia compliant.

All investments offered through Simply Ethical, as a minimum seek to adhere to AAOIFI Shari’ah standards. AAOIFI (Accounting and Auditing Organization For Islamic Financial Institutions) is an Islamic international autonomous non-for-profit corporate body that prepares accounting, auditing, governance, ethics and Shari’a standards for Islamic financial institutions and the industry.

As a committed participant in the Islamic finance industry, we have taken AAOIFI guidelines on investments and drafted our own internal Ethical Investment Policy Statement (EIPS). The Ethical Committee, whose role is to provide an oversight of investment screening approves the document. Our Ethical Committee is responsible for determining the Ethical and Sharia screening criteria. The Committee is to meet at least bi-annually to review investments and monitor adherence to set screening criteria.

The current members of our Ethical Committee are as follows:

As you would observe from our Ethical policy, we have gone beyond AAOIFI Standards and made our guidelines much more robust and comprehensive by adding further Sharia and Ethical considerations to continue our journey towards achieving complete adherence to the objectives of Sharia.

Imam Ghazzali, a very reputable Islamic scholar of the past, described the purpose of the Sharia as "to promote the well-being of the people, which lies in safeguarding their faith , their lives, their intellect, their posterity and their wealth. Whatever ensures the safeguarding of these five serves public interest and is desirable, and whatever hurts them is against public interest and its removal is desirable".

As a Team, we remain committed to our vision of achieving 100% Sharia compliance as per principles stated in the Qur'an.   

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