AP Lending Solutions is a business name of Loanhouse Pty Ltd ABN 55 698 974 695. In this policy, “AP Lending Solutions”, “we”, “us” and “our” refer to Loanhouse Pty Ltd trading as AP Lending Solutions.
We provide mortgage and finance broking services, including credit assistance. This policy explains how we collect, hold, use and disclose personal information. We handle personal information in accordance with applicable Australian privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles where they apply.
The personal information we collect depends on your dealings with us. It may include:
Your name, date of birth and contact details.
Residential, mailing and previous addresses.
Identification and verification information.
Employment, occupation and income information.
Information about expenses, assets, liabilities and financial commitments.
Bank statements, payslips, tax documents and other supporting records.
Credit history and information relevant to a finance application.
Property, loan, deposit and transaction details.
Information about your goals, requirements and personal circumstances.
Communications, enquiries, appointment details and records of our interactions.
Information received through referrals or from professional representatives.
Technical information generated when you use our website, including device, browser, usage and cookie information.
We only collect sensitive information where it is reasonably necessary for our services and where we have consent or another lawful basis to collect it.
We usually collect personal information directly from you when you:
Complete a website or enquiry form.
Contact us by telephone, email or in person.
Book an appointment.
Complete a fact find, application or consent form.
Give us documents or information to assess a lending enquiry.
Communicate with us during an application or ongoing review.
Where permitted and relevant, we may also collect information from:
A joint applicant, guarantor or authorised representative.
A referrer or professional adviser.
Our aggregator or Australian credit licensee.
Lenders, mortgage insurers and credit reporting bodies.
Identity, document and income-verification providers.
Valuers, solicitors, conveyancers, accountants and settlement providers.
Publicly available sources or government registers.
Technology and service providers supporting our business.
We will only collect information from another source where you have authorised it, it is reasonably expected as part of the service, or it is otherwise permitted or required by law.
You may choose not to provide personal information. However, we may be unable to respond fully to your enquiry, assess your circumstances, provide credit assistance or progress a finance application without the information reasonably required.
We may collect, hold and use personal information to:
Respond to enquiries and arrange appointments.
Understand your objectives and financial position.
Assess lending scenarios and provide credit assistance.
Compare relevant lender products, policies and requirements.
Prepare, submit and manage finance applications.
Verify identity, income, financial information and supporting documents.
Communicate with lenders, service providers and professional advisers.
Meet legal, regulatory, compliance and record-keeping obligations.
Manage our customer relationships and business administration.
Improve our services, website, systems and security.
Send direct marketing where permitted and where appropriate consent or expectations exist.
Where reasonably necessary to provide our services or meet legal obligations, we may disclose personal information to:
Our aggregator and Australian credit licensee.
Lenders, mortgage insurers and other finance providers.
Credit reporting bodies, with the required authority or consent.
Identity, document, income and fraud-verification providers.
Valuers, property-information providers and settlement services.
Solicitors, conveyancers, accountants and other professional advisers.
Referrers, where authorised or reasonably necessary.
CRM, document-storage, email, cloud, IT, security and website providers.
Government bodies, regulators, courts or law-enforcement agencies where required or authorised by law.
Other parties you authorise us to deal with.
We only disclose information that is reasonably necessary for the relevant purpose.
Some technology, cloud, communication and service providers may store or process personal information outside Australia.
When personal information is disclosed overseas, we take reasonable steps required by applicable privacy law to protect that information.
We take reasonable steps to protect personal information from misuse, interference, loss and unauthorised access, modification or disclosure.
These steps may include access controls, passwords, secure systems, staff procedures, technology safeguards and appropriate service-provider arrangements. No electronic transmission or storage system can be guaranteed to be completely secure.
We assess suspected data breaches and provide notifications where required by applicable law.
We retain personal information for as long as reasonably necessary to provide services, manage our relationship, meet legal and regulatory obligations and resolve disputes.
When information is no longer required, we take reasonable steps to securely destroy it or de-identify it, subject to legal and record-retention requirements.
You may request access to personal information we hold about you or ask us to correct information that is inaccurate, incomplete or out of date.
Contact our Privacy Officer using the details below. We may need to verify your identity before responding. We will respond within a reasonable period and explain if applicable law permits or requires us to refuse part of a request.
We may send information about our services where you have consented, where you would reasonably expect us to do so, or where otherwise permitted by law.
You can opt out at any time by using the unsubscribe option in a message or contacting us. We will action valid opt-out requests within the period required by law.
Meta Pixel and advertising measurement
We use the Meta Pixel, provided by Meta Platforms, to understand how visitors use our website, measure enquiry conversions and assess the effectiveness of our advertising.
The Meta Pixel may collect technical and usage information such as your IP address, browser and device information, cookie or online identifiers, referring website, pages viewed and interactions with our website, including when an enquiry confirmation page is reached. This information may be disclosed to and processed by Meta, including outside Australia, in accordance with Meta’s privacy practices.
Our current Meta Pixel configuration is not intended to send customer names, email addresses, telephone numbers, enquiry-form answers, loan details, financial information or supporting documents to Meta. Automatic advanced matching is disabled.
You may limit this tracking using your browser’s cookie and privacy settings, compatible tracking-prevention tools, or your Meta advertising preferences. Blocking tracking technologies may affect measurement but should not prevent you from making an enquiry or using the main functions of our website.
Our website may use cookies and similar technologies to operate the site, understand usage, maintain security and improve performance.
You can adjust cookie settings through your browser. Disabling some cookies may affect how parts of the website operate.
You may make a general enquiry anonymously or using a pseudonym where practical. We may need to confirm your identity before providing credit assistance, obtaining reports, verifying information or meeting legal obligations.
If you have a privacy question, want to request access or correction, or believe your personal information has been mishandled, contact our Privacy Officer.
Please describe your concern and provide enough information for us to investigate it. We will acknowledge and investigate privacy concerns within a reasonable period.
If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner:
Website: www.oaic.gov.au
Telephone: 1300 363 992
We may update this policy when our services, systems, legal obligations or information-handling practices change. The current version and its effective date will be published on this page.
Privacy Officer
AP Lending Solutions
Loanhouse Pty Ltd
ABN 55 698 974 695
Suite 701, 79 George Street
Parramatta NSW 2150
Telephone: 0423 849 222
Email: peyo@aplendingsolutions.com.au
Contact our Privacy Officer