ChangeFund Legals

Financial Hardship Statement of Financial Affairs

So that we can assess your hardship claim, please complete the attached Statement of Financial Affairs which includes: Your proposed payment plan Assets & Liabilities Statement Income & Expenditure Statement Supplementary documents should include: Proof of...

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Financial Hardship Policy

FINANCIAL HARDSHIP POLICY DEFINITION: “A DEBTORS REASONABLE INABILITY TO MEET CONTRACTUAL OBLIGATIONS DUE TO ILLNESS, INJURY, LOSS OF EMPLOYMENT OR OTHER REASONABLE CAUSES” Financial hardship basically involves an inability of the Borrower to pay bills, rather than an...

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Collections Policy

Here at ChangeFund we are committed to ensuring sound credit management and the fair recovery of outstanding debts in a timely manner. Our policy outlines ChangeFund’s expectations and provides guidance to staff involved in the debt management and recovery process....

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Complaints Policy

COMPLAINTS POLICY Here at ChangeFund we encourage feedback and give our customers a fair and transparent process to register their concerns and complaints. You may lodge a complaint as follows: In writing: (via email) Verbally: (over the phone) Online: (website and...

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Privacy Policy

Document updated: 10/08/2017 Privacy Policy ChangeFund Limited (referred to in this Privacy Policy as ChangeFund, we, our or us) recognises that your privacy is very important to you and that you have the right to control your personal information. (Please refer to...

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Provision Fund Information

PROVISION FUND POLICY The Provision Fund is a safeguard fund, provided for Investors in the instance of late payments or defaults by borrowers. Our fund adds a layer of security, to step in and make payments on behalf of delinquent borrowers.  This is not meant to be...

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Changefund Fees & Charges

ChangeFund Fees, Charges & Interest Rates Funding the Change Peer to Peer Funding - The Ethical Lending Specialists The world is changing. It’s time to evolve. This is the part of our business we want to get right! We are a Social Enterprise business. Our goal is to...

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Conflicts of Interest

CONFLICTS OF INTEREST POLICY SUMMARY Policy Statement ChangeFund from time to time will have interests which conflict with the interests of its clients, customers and associated bodies. It is also possible that conflicts could arise between such parties. In accordance...

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Investor FAQ’s

We are currently only accepting New Zealand tax residents over the age of 18 years as Investors.Investors can invest in loans, with a minimum of a $100 investment. Although there is currently no maximum, ChangeFund reserves the right to cap the amount of your total...

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Borrower FAQ’s

Borrower FAQs Who can get a loan with ChangeFund? ChangeFund provides unsecured personal loans to creditworthy New Zealand resident individuals who have employment. We ensure that loans are only offered to people who have the capacity to service the loan without...

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Fair Dealing Policy

FAIR DEALING POLICY   Purpose   ChangeFund’s mission is to always put people first.  To achieve our mission, it’s important that we are clear with our dealings with our investors, borrowers and staff.   Under the Financial Markets Conduct Act 2013 (the Act) and the...

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