Loanservices Australia (“we”, “our”, “us”), operated by Sikand Group Pty Ltd, is a finance and mortgage broking service. We are committed to protecting your privacy and handling your personal information in a transparent and secure manner. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or engage our services.

1. Information We Collect

We may collect personal and non-personal information including, but not limited to:

• Full name, email address, phone number, and contact details
• Employment, income, and financial information provided for loan enquiries
• Identification and supporting documents required by lenders
• IP address, browser type, device information, and website usage data

2. Purpose of Collection

Your information may be collected and used to:

• Assess your loan requirements and eligibility
• Compare loan products from multiple third-party lenders
• Submit loan applications on your behalf with selected lenders
• Contact you regarding enquiries, applications, or updates
• Meet legal, regulatory, and compliance obligations

3. Disclosure of Information

We do not sell or rent your personal information. Your information may be disclosed to:

• Banks, credit providers, and financial institutions for loan assessment and processing
• Service providers assisting with IT, data storage, or business operations
• Regulatory bodies or authorities where required by law

4. Broker Role & Third-Party Lenders

As a finance and mortgage broker, Loanservices Australia does not provide credit or loans directly. All loan products are offered and assessed by independent third-party lenders. Each lender maintains its own privacy practices and credit assessment criteria.

5. Cookies & Tracking Technologies

We use cookies and similar technologies to improve website performance, analyze traffic, and enhance user experience. You can manage or disable cookies through your browser settings; however, this may affect website functionality.

6. Data Security

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorized access, or disclosure. While we use industry-standard security measures, no system can guarantee complete security.

7. Your Rights & Access

You may have the right to:

• Request access to personal information we hold about you
• Request correction of inaccurate or outdated information
• Withdraw consent where permitted by law

8. Third-Party Websites

Our website may contain links to external websites. We are not responsible for the privacy policies or content of third-party websites and encourage you to review their policies separately.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in legal requirements or business practices. Updates will be effective immediately upon publication on this page.

10. Contact Us

If you have any questions regarding this Privacy Policy or how your personal information is handled, please contact Loanservices Australia through the contact details provided on our website.