No War, No Weapons

No specific, concrete data points were found in the provided articles for any of the KPIs related to the 'No War, No Weapons' ethical value. The company's core business as a financial services firm specializing in retirement income, lifetime mortgages, and care plans does not inherently involve activities such as arms manufacturing, defense contracts, dual-use technology, or procurement from conflict zones, for which the rubric's KPIs are designed. While the company mentions 'Negative Screening' to exclude controversial sectors, this is not specific enough to score against defined ethical red lines or divestment policies related to weapons or conflict

. Similarly, social investments, while positive, are not explicitly defined as 'peacebuilding or disarmament initiatives' by the rubric's specific criteria.

Planet-Friendly Business

Just Group PLC has committed to the Science Based Targets initiative (SBTi) and is developing its targets across all scopes, aiming to submit them by December 2024

, with validation pending. The company sources 99% of its purchased electricity from renewable sources, which are REGO certified . It has a Net Zero target for Scope 1, Scope 2, and business travel (part of Scope 3) by 2025 , and a Net Zero target for all Scope 3 emissions by 2050, with an interim goal of a 50% reduction by 2030 . For climate-related stranded assets, the company discloses that assets not aligned with government policies could become stranded , specifically noting the Lifetime Mortgage portfolio's risk regarding the government's aim for an average EPC rating of C by 2030 . The company refers to the guidance set out by the Transition Planning Taskforce (TPT) and includes climate scenario analysis in its TCFD section .

Safe & Smart Tech

No documented incidents of unauthorized data use, with the company stating it takes all reasonable care and uses strict procedures to prevent unauthorized access to personal data.

Users have comprehensive data control options, including rights to access, correct, erase, restrict processing, receive data in a portable format, withdraw consent, and object to automated decision-making. However, the company retains personal information for a maximum of 7 years after a service has expired, and a minimum of 6 months for alert service data. , The company states compliance with UK data protection laws and UK GDPR, is regulated by the Financial Conduct Authority (FCA), Prudential Regulation Authority (PRA), and Information Commissioner’s Office (ICO), and has fully implemented the Solvency UK capital regime.

Zero Waste & Sustainable Products

The company implemented initiatives including giving 26 tonnes of surplus tech to a sustainability partner, with 15 tonnes reused and 11 tonnes recycled.

It also reuses furniture across its offices to avoid new purchases. No waste disposal violations were reported in the provided period.