The Positive Capital group of companies is comprised of Community Finance Limited, Community Finance Security Trustee Limited, Positive Capital Limited, Positive Property Fund Limited and Positive Property Fund Holdings Limited (together “Positive Capital Group”). The Positive Capital Group is committed to developing and delivering financial solutions that provide positive social impact.
Privacy is given serious importance at the Positive Capital Group. We are committed to ensuring that your personal information is kept safe and secure and is used responsibly, and only for the purpose for which it was obtained.
The Positive Capital Group is bound by the Privacy Act 2020 which governs how we use, hold and disclose personal information. This Privacy Policy does not limit your existing rights under relevant privacy and data protection laws. If you wish to seek further information on the Privacy Act 2020 please refer to www.privacy.org.nz.

1.0 Collection of personal information

The Positive Capital Group collects and holds personal information (obtained either directly or indirectly) in order to:

• Provide you with products and services;
• Meet our regulatory obligations (including but not limited to verifying your identity under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009) (AML/CFT);
• Assist you with the use of our website;
• The ongoing administration, operation and marketing of our products and services including targeted advertising;
• Conduct internal research and development of our platforms and the services we provide;
• Improve the products and services we provide to you;
• Communicate with you, including responding to any complaints;
• Protect and enforce our legal rights and interests; and
• Any other purpose authorised by you or the Privacy Act 2020.

The personal information we request may include biometric information via facial recognition software. We request and disclose biometric information to our service providers for the sole purpose of compliance with AML/CFT functions as listed above.
We respect the highly sensitive nature of biometric information and are committed to ensuring that it is obtained and held in accordance with the provisions of the Privacy Act 2020. As biometrics is a new and rapidly developing field, we will also keep abreast of guidance released by the Office of the Privacy Commissioner in relation to collection, storage and protection of biometric information.

2.0 Who do we disclose your personal information to?

We outsource some of our activities to third parties including local service providers. Contracts with third parties include security and privacy terms and conditions commensurate with the types of services we provide.
You may choose not to disclose this information to us. You should be aware however that it may mean we are restricted or prevented from providing our services to you. We may disclose your personal information to another company or entity associated or related to us, any person who can require us to supply your personal information (for example, a regulatory authority), any other person authorised by the Privacy Act 2020 or another law or any other person authorised by you.

3.0 Storage of personal information

We, and our service providers, use a range of security measures in storing any personal information that you provide to us, whether electronically or otherwise.

4.0 The Positive Capital Group is committed to protecting your personal information

The Positive Capital Group will at all times work to ensure that we are taking all the steps to protect your personal information. If we become aware of any security breach relating to your personal information, we will ensure that the breach is managed in accordance with Notifiable Privacy Breach provisions contained in the Privacy Act 2020. This may include notification to our customer and Privacy Commissioner where that breach is likely to result in or potentially cause serious harm as defined in the Act. An incident would be assessed on a case-by-case basis by our Privacy Officer.

5.0 Requesting access to your personal information

We endeavour to ensure that the personal information we hold about our customers is accurate, complete and up-to-date. You have rights under the Act and the Privacy Principles to find out what personal information we hold about you, get a copy of and request correction to the personal information you have supplied. This may be done by making a request in writing and sending it to us at PO Box 11176, Ellerslie , Auckland 1542 or by email to contact@communityfinance.co.nz.
Your personal information will only be kept for as long as it is needed. There may be circumstances where we are required to keep the information for a specified amount of time to meet various legal and regulatory requirements.

6.0 Marketing and advertisement

The Positive Capital Group uses cookies, pixel tags and other tracking technologies (collectively cookies) when you visit our website. A cookie is a small text file that is stored on your computer for record-keeping purposes. It does not identify you personally or contain any other information about you but it does identify your computer. Community Finance’s website uses these cookies.
We also use direct marketing. Customers can opt out of receiving marketing information by using the unsubscribe provision within those communications.

7.0 Privacy complaints process

If you are unhappy with how we have handled your personal information, you may send a complaint to our Privacy Officer. Please provide us with the full details of your complaint along with any supporting documentation.

The Privacy Officer can be contacted as follows:

– Email: contact@communityfinance.co.nz
– Post: PO Box 11176 Ellerslie, Auckland 1542 New Zealand

If your concerns are not resolved to your satisfaction you can contact the Privacy Commissioner as below:

– Attention: The Privacy Commissioner
– Email: enquiries@privacy.org.nz
– Website: www.privacy.org.nz
– Telephone: 0800 803 909

8.0 This Privacy Policy may be updated

The Positive Capital Group reserves the right to change this Privacy Policy at any time. Any change will apply from the date we upload an updated Privacy Policy on our website. Please refer to our website for any updates.

This Privacy Policy was last updated on 30 August 2023.