Privacy Statement
The Police and Families Credit Union (“Credit Union”, “we”, “us”, “our”) is committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 2020.
This Privacy Statement (sometimes referred to as our Privacy Policy) explains how and why we collect, use, store, share and hold your personal information, including when we collect information from sources other than you.
If you choose not to provide requested information, or provide incomplete or incorrect information, we may not be able to provide you with membership, lending, or other products and services.
1. When this Privacy Statement applies
This Privacy Statement applies to all our products and services and all interactions with you, including when you use our website, internet banking, mobile banking app, or when you contact us.
2. What personal information we collect
We may collect personal information including (but not limited to):
- personal and contact information such as your name, date of birth, address and email address
- identification information such as your passport or driver licence, Inland Revenue Department (IRD) number and country of tax residency
- employment and income information
- credit information including reporting and repayment history from credit reporting companies
- financial information such as account details, transaction history and copies of bank statements from other financial institutions
- transaction and interaction information with your Credit Union products and services
- any information we are required to collect to meet our legal and regulatory obligations (including AML/CFT requirements)
3. How we use your personal information
We use your personal information to:
- establish and manage your membership and accounts
- assess applications for loans and other products
- determine your eligibility for membership
- verify your identity and prevent fraud
- meet legal and regulatory obligations
- recover debts and manage defaults
- improve our products, services and systems
- communicate with you about our products and services.
You can opt out of marketing communications at any time by following the ‘unsubscribe’ process provided in our marketing emails. If you opt out of marketing communications, you may still receive communications from us where we are required to by law.
4. How we collect personal information
Personal information we collect comes directly from you when you:
- apply for membership, accounts, or lending
- enquire about or use any of our products and services
- contact us including via phone calls, emails and online forms
- interact with our website, mobile banking app or internet banking.
Personal information collected from third parties (indirect collection)
When you apply for membership or lending, or use our products and services, we may collect personal information about you from third parties where this is necessary to provide our services or meet our legal obligations, including:
- identity verification providers like APLYiD, for identity validation services
- credit reporting agencies like Equifax or Centrix for credit assessment, monitoring, and default reporting
- fraud prevention, AML/CFT, and compliance service providers
- regulators, government agencies, or law enforcement, where permitted or required by law
- your parents or guardians where you are under 18 years of age
- your employer (for verification purposes)
- other financial institutions or service partners like Credit Sense and superannuation providers
- other third parties you have authorised to provide information on your behalf such as mortgage brokers or lawyers
- analytics and marketing platforms (such as Google Analytics and HubSpot) that support our collection of information about how you interact with our website and communications
- valuations or information relating to assets used as security (such as property or vehicles) including ownership or registration information
- publicly available information, for example from social media and public registers like Land Information New Zealand.
Where we collect personal information about you from a third party rather than directly from you, we will take reasonable steps to inform you of:
- the fact that the information has been collected
- the purpose of collection
- the intended recipients of the information
- our identity and contact details
- your right to access and request correction of the information
We will notify you of this collection through this Privacy Statement, application forms, online notices, or other appropriate communications, depending on the circumstances.
5. Who we share your information with
We may share your personal information with third parties, including:
- service providers who support our operations (i.e. IT, identity verification, credit reporting and AML/CFT services)
- credit reporting agencies and debt collection agencies
- insurers or underwriters (where relevant)
- regulators, courts, tribunals or law enforcement agencies, where permitted or required by law
- other parties where you have authorised disclosure or where disclosure is permitted or required by law
6. Cookies and analytics
We use cookies and similar technologies to understand how our website and communications are used and to improve our services.
We use Google Analytics and other third-party marketing platforms such as HubSpot to help us collect and analyse information about how you interact with our website and communications.
We may collect, hold, and use statistical information about visits to help us improve our services, for instance:
- Your Internet Protocol (IP) address
- The search terms you used
- The pages accessed on our site and the links you clicked on
- The date and time you visited the site
- The referring site (if any) through which you clicked through to this site
- Your operating system (e.g. Windows, Mac OS)
- The type of web browser you use (e.g. Chrome, Safari)
Where this information can reasonably identify you, we treat it as personal information in accordance with this Privacy Statement.
7. How we comply with legal obligations
We are required to comply with a range of New Zealand laws and regulations when collecting, using, and sharing your personal information.
These obligations may require us to collect, use, or disclose your personal information to regulators, government agencies, or other authorised parties. Other laws and regulations may also apply.
8. Overseas disclosure
Some of your personal information may be stored or processed by service providers located outside New Zealand.
We take reasonable steps to ensure that any overseas providers protect your information in a way that is consistent with New Zealand privacy law.
9. How we protect your information
We maintain physical, electronic, and procedural safeguards that comply with regulations and leading industry practices to safeguard your personal information.
We restrict access to personal information to authorised employees and service providers who require it to perform their duties.
10. Your rights and choices
You have the right to:
- request access to personal information that we hold about you
- request correction of that information if you believe it is incorrect
To make a request, please contact us by calling 0800 429 000 or by visiting our website.
We may need to verify your identity before responding.
11. Privacy concerns or complaints
If you have a privacy concern or complaint, please contact us and we will do our best to resolve it.
You can contact us at:
Website: www.policecu.org.nz
Email: info@policecu.org.nz
Phone: 0800 429 000
Post: PO Box 12344, Wellington, 6011
If you are unhappy with our response, you can contact our independent dispute resolution provider Financial Services Complaints Limited (FSCL). This service is free to you.
You can contact FSCL at:
Website: www.fscl.org.nz/
Email: complaints@fscl.org.nz
Phone: 0800 347 257
Post: PO Box 5967, Wellington, 6140
12. Updates to this statement
We may update this Privacy Statement from time to time. The most up-to-date version will always be available on our website.
Last updated: 1 May 2026