Legal

Privacy Policy

Effective date: 27 June 2026

Haven Lending Solutions ("we", "us", "our") is committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy explains how we collect, use, disclose, and safeguard your personal information when you use our website at hlfinance.com.au or engage our mortgage broking services.

1. Information We Collect

We collect information you provide directly to us, including:

•Personal identification information — name, email address, phone number, and postal address when you complete an enquiry or contact form.

•Financial information — loan type, loan amount, income details, and other financial information you provide when seeking mortgage advice.

•Usage data — pages visited, time spent on site, browser type, and device information collected automatically via cookies and analytics tools.

•Communications — records of correspondence when you contact us by email, phone, or through our website forms.

2. How We Use Your Information

We use the information we collect to:

•Respond to your enquiries and provide mortgage broking services.

•Assess your eligibility for loan products across our panel of lenders.

•Send you relevant information about loan products, interest rates, and services (with your consent).

•Improve our website, services, and customer experience.

•Comply with our legal and regulatory obligations under the National Consumer Credit Protection Act 2009 and ASIC requirements.

•Analyse website traffic and usage patterns to improve our online services.

3. Disclosure of Your Information

We may share your personal information with:

•Lenders and credit providers — to assess and process your loan application across our panel of 30+ lenders.

•8848 Finance Pty Ltd (ACL 551911) — our Australian Credit Licensee, under whose licence we operate as a credit representative.

•Service providers — third-party companies that assist us in operating our website and conducting our business, subject to confidentiality obligations.

•Regulatory bodies — ASIC, AFCA, or other authorities where required by law.

We do not sell, trade, or rent your personal information to third parties for marketing purposes.

4. Cookies & Analytics

Our website uses cookies and similar tracking technologies to enhance your experience. We use:

•Essential cookies — required for the website to function correctly.

•Analytics cookies — Google Analytics 4 (GA4) to understand how visitors use our site. This data is anonymised and aggregated. GA4 is only loaded after you provide cookie consent via our cookie banner.

You can control cookie preferences through our cookie consent banner or your browser settings. Disabling analytics cookies will not affect your ability to use our website.

5. Data Security

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access. These measures include:

•Secure HTTPS encryption across our entire website.

•Restricted access to personal information within our organisation.

•Regular review of our data collection and storage practices.

While we take these precautions, no data transmission over the internet is completely secure. We cannot guarantee the absolute security of information you transmit to us.

6. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with our legal obligations. Under the National Consumer Credit Protection Act, we are required to retain certain records for a minimum of 7 years. When information is no longer required, we will securely destroy or de-identify it.

7. Your Rights & Access

Under the Privacy Act 1988 (Cth) and the Australian Privacy Principles, you have the right to:

•Request access to the personal information we hold about you.

•Request correction of inaccurate, incomplete, or outdated information.

•Withdraw consent to receive marketing communications at any time.

•Lodge a complaint if you believe we have breached your privacy.

To exercise any of these rights, please contact us using the details below. We will respond within 30 days.

8. Complaints

If you have a complaint about how we have handled your personal information, please contact us in the first instance. If you are not satisfied with our response, you may lodge a complaint with:

•Office of the Australian Information Commissioner (OAIC) — oaic.gov.au

•Australian Financial Complaints Authority (AFCA) — afca.org.au | 1800 931 678

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the updated policy on this page with a revised effective date. We encourage you to review this policy periodically.

10. Contact Us

For any privacy-related enquiries, access requests, or complaints, please contact:

Haven Lending Solutions

Credit Representative of 8848 Finance Pty Ltd (ACL 551911)

📧 [email protected]

📞 0433 048 691