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Inclusive language

By using inclusive language we aim to create a welcoming environment where everyone feels valued and heard.

Why we keep a guide

Language carries our values into every letter, loan document and conversation we have. This guide is how we keep that consistent — for colleagues writing to customers, and for anyone who wants to borrow from it.

It is a working document. Terms change as the people they describe change them, and we would rather update the guide than defend an old habit.

Guiding principles

  • Listen and learn. Be open to understanding perspectives other than your own, and treat being corrected as useful rather than embarrassing.
  • Respect individual preferences. Use the words and terms people choose for themselves, even when a style guide says something else.
  • Be specific. Name the group you actually mean rather than reaching for a broad label that flattens real differences.
  • Put the person first, unless they say otherwise. Some communities prefer identity-first language; ask rather than assume.
  • Write plainly. Inclusive language that nobody can follow has not included anyone. Short sentences, ordinary words, no jargon we would not say out loud.

Key terms

Practical notes on the words that come up most often in our writing.

Aboriginal and Torres Strait Islander peoples

Use “Aboriginal and Torres Strait Islander peoples” in full, capitalised, and use the plural — these are many nations, not one group. Where you know the community, name it: the specific nation or language group is always better than a general term.

“First Nations” is widely accepted and is what many organisations use for themselves. Avoid acronyms for people, and avoid the possessive “our” — communities are not ours.

Age

Use descriptors such as “people over 65”, “older people” and “young people” rather than “the elderly”, “seniors” or “youths”. Only mention age when it is relevant to what you are writing about.

Culturally and linguistically diverse backgrounds

“Culturally and linguistically diverse” describes a very wide range of people, so be as specific as your subject allows. Where you are writing about racism or exclusion, say so directly rather than using diversity as a euphemism for it.

Disability, physical and mental health

Follow the preference of the person or organisation you are writing about. Many people prefer “people with disability”; others prefer identity-first language such as “disabled people” or “Deaf person”. Ask.

Never treat non-disabled people as the standard of normal. Avoid “suffers from”, “confined to a wheelchair” and “special needs”, and do not use disability or mental illness as metaphors.

EDI (equity, diversity and inclusion)

Our broad approach to fairness, respect and equal opportunity: addressing systemic disparities, encouraging diversity and building inclusion. Spell it out the first time it appears in any document.

Equality and equity

Equality means treating everyone the same. Equity means recognising that people start from different places and allocating resources accordingly. We pursue equality by practising equity, and the two words are not interchangeable.

Gender and sexuality

Understand the difference between gender and sex, and use the terms and pronouns people use for themselves. Default to gender-neutral wording for roles and groups. Use LGBTIQ+ or LGBTQIA+ consistently within a document rather than switching between them.

Marginalisation

The pushing of people or groups to the edges of society through a lack of access to rights, resources and opportunity — often linked to protected attributes such as race, gender, age, disability, religion, sexuality or where someone lives. Name the mechanism where you can: who is doing the excluding, and how.

Neurodiversity

Use “neurodivergent” for an individual, “neurotypical” for someone who is not, and “neurodiverse” for a group that contains both. A single person is not neurodiverse.

Religion and belief

Acknowledge and respect the full range of religious and philosophical beliefs, including atheism and agnosticism. Do not assume a default faith, or a default calendar.

Underfunded and underserved

Underfunded describes organisations that face barriers to accessing finance and cannot meet their funding needs. Underserved describes communities without access to essential services and resources. Both put the problem where it belongs — with the system, not the people in it.

Unconscious bias

The associations we hold without meaning to, which shape decisions about lending, hiring and who gets the benefit of the doubt. Naming it is not the same as fixing it; the fix is a process that does not rely on individual good intentions.

Vulnerability

People and communities at risk of harm, abuse or exploitation, often because of social, political or economic exclusion. We prefer “vulnerable” and “marginalised” to “disadvantaged”, “poor” or “deprived”, and we treat vulnerability as a circumstance someone is in rather than a description of who they are.

Equity, diversity and inclusion at Charity Bank

EDI is part of our mission and ingrained in our values. Read our commitment, our EDI vision and the action plan behind it.