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Whistleblowing

DRIVALIA is committed to ensuring that all its activities comply with applicable regulations and are guided by the values ​​of integrity, trust, responsibility, transparency, respect for diversity, commitment, professionalism and confidentiality.

Adherence to these values ​​is fundamental to the image and reputation of DRIVALIA, based on trust and reliability.

Therefore, in order to encourage ethical behavior, DRIVALIA has set up an internal reporting system (“Whistleblowing“) of alleged anomalies, suspicious behavior, commercial misconduct, acts or facts that may constitute violations of banking regulations or other conduct illegal, as well as the principles and rules of conduct contained in the Code of Conduct.

WHO CAN MAKE A COMPLAINT?

Parties who can file a whistleblower report include, but are not limited to:

• employees and independent contractors who work or have worked for DRIVALIA;

• employees or contractors who have provided goods or services or performed work on behalf of third parties and who work or have worked for DRIVALIA;

• freelancers and consultants who work or have worked for DRIVALIA;

• volunteers and interns (paid and unpaid);

• shareholders (individuals);

• people with management, control, supervision or representation functions.

This system allows whistleblowers to report, with maximum confidentiality, violations that harm the public interest or the integrity of DRIVALIA and the Group Companies, and that have come to their attention in the course of their professional activity or based on any commercial or legal relations with the Group, protecting such whistleblowers from possible retaliation or discrimination.

DRIVALIA's Compliance, Supervisory Relations and Data Protection Department is responsible for ensuring the correct unfolding of the process.

HOW TO MAKE A COMPLAINT

Complaints can be submitted through the following specific channels.

• DRIVALIA's internal channels

The Group has an internal platform (“BKMS”) provided by the Crédit Agricole Group – the corporation of which DRIVALIA is a part – for making complaints.

Communications can be made, including anonymously, after reading the confidentiality statement in accordance with the GDPR (General Data Protection Regulation – EU Regulation 2016/679):

• through the BKMS platform via link provided  or via the corporate intranet of the CA Auto Bank hub in the “Code of Conduct” section. The platform guarantees the confidentiality of the whistleblower, the facts and the people involved in the report, as well as the Group entity to which the report refers;

• by email to whistleblowing@ca-autobank.com;

• orally or in writing, with communication to the Compliance, Supervisory Relations and Data Protection Officer.

Whistleblowers are encouraged as a priority to use the Group's internal channels. In certain circumstances, they may file an external complaint directly with the competent authorities.

• Channels outside DRIVALIA

For Portugal, whistleblowers may submit an external complaint to the National Anti-Corruption Mechanism (MENAC), if one of the following conditions is met

• There is no internal reporting channel;

• The internal reporting channel only allows the submission of complaints by employees, not the whistleblower;

• There are reasonable grounds to believe that the violation cannot be effectively known or resolved internally or that there is a risk of retaliation;

• Has initially filed an internal complaint without having been informed of the measures envisaged or adopted following the complaint within the time limits set out in Article 11; or

• The infringement constitutes a crime or administrative offence punishable by a fine of more than 50,000 (euro).

Reports can be made outside MENAC,  link .

Please note that reporting irregularities is not the appropriate channel for communicating matters of a commercial nature. Customers who wish to report problems in their relationship with DRIVALIA may submit a complaint in accordance with the established procedures.