Whistleblowing Policy.

Your voice matters. We are committed to the highest standards of integrity, transparency and ethical conduct — and to protecting those who speak up.

1 · Purpose

  • Encourage reporting of misconduct, illegal activity, fraud or unethical behavior;
  • provide a safe, confidential mechanism to raise concerns;
  • protect whistleblowers from retaliation or victimization;
  • comply with regulatory requirements, including those of the FSRA.

2 · Who can report

Everyone associated with Changer.ae — employees, contractors, consultants, suppliers, customers, and other stakeholders.

3 · What can be reported

  • Fraud or financial mismanagement — financial fraud, accounting irregularities, misreporting;
  • Bribery or corruption — kickbacks, bribes, corrupt practices;
  • Legal/regulatory breaches and industry-standard violations;
  • Misuse of company resources — theft, misappropriation, property abuse;
  • Harassment or discrimination of any form;
  • Health & safety violations;
  • Environmental violations;
  • Conflicts of interest that interfere with professional duties.

4 · How to report

5 · Confidentiality & anonymity

Whistleblowers are provided absolute protection and assurance: every report is treated with the highest level of care, confidentiality and respect. Contact details help with follow-up, but anonymous reports are welcome.

6 · Protection against retaliation

A strict non-retaliation policy applies. Nobody faces retaliation, discrimination or harassment for good-faith reporting. If retaliation occurs, tell us immediately and we will act promptly.

7 · Investigation process

Appropriate internal or external teams conduct thorough, prompt investigations: acknowledging receipt; assessing validity; detailed investigation; corrective action; and feedback to the whistleblower within confidentiality limits.

8 · False or malicious reporting

Bad-faith, knowingly false or malicious claims may trigger disciplinary action. Reports made in good faith are protected even if investigation finds nothing.

9 · External reporting

If your concern wasn't addressed adequately — or if you prefer external channels — you may contact the relevant regulatory authorities.

By speaking up, you help protect the integrity and ethical values that make Changer.ae a trusted partner, employee and customer experience.