Our approach
We hold ourselves to a high standard, with an aim to treat our customers with dignity, honesty and respect.
No two customers are the same, so we consider each person’s situation individually. That way, we can offer a tailored solution that works for them.
We are committed to conducting business ethically and fairly.
We aim to provide dedicated support for our customers, including those in hardship.
We uphold a high standard of corporate governance
Our Board of Directors is responsible for establishing the Company’s corporate governance framework, the key features of which are set out in our Corporate Governance Statement.
The Company’s corporate governance practices are consistent with the 4th edition of the ASX Corporate Governance Principles and recommendations which were released in February 2019. Our Corporate Governance Statement discloses the extent to which the Company has followed these practices.
- Corporate Governance Statement effective August 2023The Company is dedicated to implementing a high standard of corporate governance, closely guided by the Board.
- Code of ConductThe Company is committed to conducting itself with integrity, honesty and fairness in all business practices.
- Whistleblower Policy effective April 2023This Policy is intended to encourage and enable the raising of serious concerns by the Company or Personnel.
Compliance policies
The following documents provide additional oversight on the Company’s corporate governance practices.
- Download Equity Incentive Plan October 2023
- Download Audit and Risk Management Committee Charter effective June 2023
- Download Board Charter effective February 2023
- Download Conflicts of Interest Policy Statement effective June 2023
- Download Continuous Disclosure and Shareholder Communication Policy effective from August 2023
- Download Belonging Commitment Statement effective August 2023
- Download Dividend Reinvestment Plan - Frequently Asked Questions effective January 2021
- Download Dividend Reinvestment Plan Terms and Conditions effective August 2018
- Download Environmental and Social Governance Policy effective June 2023
- Download People, Remuneration and Nomination Committee Charter effective August 2023
- Download Pioneer Credit Limited Constitution
- Download Policy and Procedure for the Selection and (Re)appointment of Directors effective October 2022
- Download Procedure for the Selection, Appointment and Rotation of External Auditor effective October 2022
- Download Process for Performance Evaluation effective October 2022
- Download Securities Trading Policy effective October 2022
- Download Workplace Gender Equality Report - Executive Summary – 21 November 2023
Board committees
The Board has an Audit & Risk Management Committee comprising:
- Mr Peter Hall (Chairperson);
- Mr Steven Targett
- Ms Suzan Pervan
- Ms Pauline Gately
The key responsibilities of the Committee are in relation to:
- Audit
- Financial and Corporate Reporting
- External Audit
- Related Party Transactions
- Tax Risk Management and Compliance
- Internal Audit
- Risk
- Risk Management
- Insurance
- Compliance
Audit and Risk Management Committee Charter effective June 2023
The Board has a People, Remuneration and Nomination Committee comprising:
Mr Stephen Targett (Chairperson)
Mr Keith John
Mr Peter Hall
Ms Suzan Pervan
Ms Pauline Gately
The People, Remuneration and Nomination Committee performs the following roles:
- Review and advise on the selection and appointment practices of the Company as they pertain to employees
- Review and advise on the plan for future leaders, to ensure they are properly developed so that they are able to provide sufficient succession for key positions
- Review and recommend the remuneration strategy
- Engage Remuneration Consultants as required, and ensure compliance with the Corporations Act 2001, in particular, Part 2D.8
- Evaluate the performance of the Board including its committees and individual members
- Review the composition of the Board to ensure it adequately discharges its responsibilities
- Review the term of individual directors, and make any recommendations for change, considering the Company’s Policy and Procedure for the Selection and (Re)Appointment of Directors
- Review the Board skills matrix to identify and assess necessary or desirable director competencies
- Oversight and recommendation of the Company’s Diversity policy
- Review and recommendation of any statutory remuneration reporting, including any audited Remuneration Report.
People, Remuneration and Nomination Committee Charter – August 2023.
Dispute resolution
When we receive a complaint, we work hard to resolve it internally in a satisfactory manner, and as quickly as possible.
Our Compliance team address the complainant’s concerns by investigating the full circumstances surrounding the complaint. We aim to respond as soon as possible, with a typical turnaround time between 21-30 days.
If the complainant is not satisfied with our initial response, the matter will be escalated for additional assessment. We aim to respond with our findings as quickly as the individual circumstances of the matter allow.
In the unlikely event the complaint cannot be resolved directly with Pioneer, the complainant has the option of submitting it to our external dispute resolution scheme, the Australian Financial Complaints Authority.
If you are a Pioneer Shareholder
Pioneer is committed to maintaining the security and privacy of your shareholder information. Below is an excerpt of our Privacy and Credit Information Statement, outlining how we put this into practice.
This section relates to shareholder information only.
As a public listed company on the Australian Securities Exchange, Pioneer collects the personal information of its shareholders, either through the application form completed by you or through its share registry Link Market Services. Personal information of shareholders, which includes information provided upon application for shares is held by Link Market Services and is separate to customer records referred in this Policy Statement.
Pioneer may use and disclose your personal information in the following manner:
- To process your share application and provide services to you as a shareholder.
- Facilitate dividend payments and other administrative functions.
- Provide you with updates including Pioneer’s annual reports, financial results, information regarding future offers of securities and other disclosures required by law.
- Your personal information may be disclosed to Pioneer’s associated or affiliated companies, outsourced service providers, agents or contractors appointed to provide services to Pioneer or its related, associated or affiliated companies.
- Your personal information may also be disclosed to regulators, government agencies or any person to whom such disclosure is required by law or regulatory requirement or pursuant to court order.
- Parties where you have given your consent.
If you do not provide your personal information, Pioneer may not be able to process your application. Your personal information will be retained by Pioneer for the duration permitted or required under law.
If you wish to access or correct your personal information held, you may do so online through Link Market Services or contact your broker. For further information you may contact the Company Secretary on 08 9323 5020.
Please refer to the information set out in the Privacy and Credit Information Statement on how you may lodge a complaint regarding a breach of privacy.
Legislative changes made to the Corporations Act 2001 (Cth) effective from 1 April 2022 means that there are new options available to shareholders to elect how to receive shareholder notices (such as meeting documents and annual reports).
- We will no longer send you physical meeting documents unless you request a copy to be posted.
- You can make a standing election to receive some or all of your shareholder notices in physical or electronic form.
We encourage you to provide your email address so we can communicate with you electronically when shareholder notices become available online.
To review or update your current communication preference or sign up to receive your shareholder communications via email, please update your details at the Link Investor Centre
If at any time you require an additional copy of a communication, or you need more information about the options available to you, please visit the Link Investor Centre or contact the Registry.