This document was last updated on 2nd December 2025.
This document has been created for two reasons.
The first to give our commercial partners, and potential partners, a clear view of the values, ethics and principles that guide our work and form the foundations of our approach.
Second, to ensure consistency between our commercial behaviour and our underlying mission and vision.
This document touches on compliance with laws and regulations but these are assumed standards within Blackbullion and are outlined in the Terms of use and Privacy notice in the footer of the website.
Critical to all stakeholders is that Blackbullion not only uphold the highest standards in all that we do, but that our commitment to these standards is above reproach.
Our reputation is sacrosanct and the incredibly high trust we enjoy is an asset we will never risk. Our strategies and methods will develop and grow as we do, but our core values are the commandments of our business. They will guide our brand and our business through sunshine and storms, through the highest peaks and the lowest troughs.
As the company grows and the ecosystem expands we welcome more partners, collaborations and associates, and ensuring a transparent code of ethics provides alignment and only with alignment can we maximise the likelihood of success.
Blackbullion is the home of student money. Our mission is to be the dominant financial wellbeing and
data intelligence platform for GenZ and improve the financial lives, and futures, of a million
students, across the world, by 2028. We believe that taking responsibility for investing in
yourself, by growing your knowledge and skills, is one of the most powerful ways to impact your
future.
We believe in our power to influence destiny. That small stones can create huge ripples and that the
pursuit of opportunity is the birthright of all people.
There are 5 fundamental values and principles that our partners, associates and others who wish to
work with us are expected to uphold.
1. User first
A core expectation is that potential partners have a passion for providing quality content,
information or goods and services to our clients and/or users.
That they have integrity, act with honesty and transparency, and treat our stakeholders fairly.
If our students or clients need to lose for you to win then we do not have aligned values and such
relationships are not viable.
In terms of content partnerships, advertising or other outreach activities we do not partner with
organisations providing usurious loans, gambling services, binary trading or other services deemed
to fall within “high financial risk” classifications.
We also do not work with tobacco companies or such organisations.
We take a broad view when it comes to our marketplace and rewards centre. We believe our users, as
adults with agency, are entitled to make their own decisions about the vendors they spend their
money with. We do not believe it is our place to dictate how people should spend their money or the
brands they choose to engage with.
We do expect the highest levels of transparency and expert content is marked as such within the
Blackbullion ecosystem.
2. Content quality
Accurate and unbiased content is a critical part of our business and plays an important role in
ensuring we meet our commitments to clients and users.
As such it is crucial that partners who provide content ensure this content is unbiased and of the
highest standards of accuracy, timeliness and engagement.
Also that partners adhere to the principles of true diversity and inclusion, create content for
users from a multitude of backgrounds, experiences and abilities and consider the different academic
and lived experiences of our users.
3. Accessibility
It is important to us that all elements of our work are accessible. Accessibility allows people with
disabilities to actively participate and seeks to ensure inclusion and greater access for all.
Online content that meets accessibility requirements is likely to be more user-friendly for
everyone. It’s also the right thing to do and all partners in content must comply with the most
recent version of the international accessibility standard Web Content Accessibility Guidelines
(WCAG) to a minimum Level AA standard.
4. Humanity & Optimism
We believe in the fundamental goodness, potential, and dignity of people. Our work is grounded in
the conviction that individuals and organisations are capable of growth, generosity and meaningful
contribution. and believe it is right that we expect our partners to uphold behaviours that reflect
respect, compassion, and integrity in all interactions.
We reject nihilism and believe that fostering a hopeful world is a collective, evolving process.
Progress is critical to meaning and purpose and is also a product of such tendency and we reject
cynicism. We believe that together we can build a better world and want to work with brands that
engage constructively, support improvement and champion those who choose to act with purpose and
optimism.
5. Conflict of Interest
We recognise that partners likely work with and support many organisations and so we define conflict
of interest in very narrow terms so that a potential conflict of interest is believed to exist when
a partner’s outside interests, or activities, interfere with those of Blackbullion.
If we reject a collaboration on the basis of perceived conflict of interest we will be clear and
transparent.
It is going to take countless organisations to work collaboratively to move towards achieving our mission of a money smarter generation and we are excited and eager to work with everyone who is aligned in objective and approach.