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Privacy Policy

Privacy Policy – HSH Finance Pty Ltd
 

Introduction

At HSH Finance Pty Ltd (ABN 91 619 630 303), an Authorised Credit Representative under Australian Credit License 384704, we take your privacy seriously.
This Privacy Policy outlines how we collect, use, disclose, and protect your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

By using our services, website, or otherwise engaging with us, you consent to the handling of your personal information as set out in this Policy.

 

Why We Collect Personal Information

We collect your personal information for purposes including (but not limited to):

  • Assessing your application for home loans, refinancing, SMSF lending, or personal finance

  • Providing and managing financial products or services

  • Meeting our legal and regulatory obligations (e.g. AML/CTF Act)

  • Responding to your enquiries, requests, or complaints

  • Sending you marketing communications (unless you opt out)

 

What We Collect

We may collect the following types of personal information:

  • Full name, date of birth, and contact details

  • Identity documents (e.g. driver's license, passport)

  • Employment and financial details (e.g. income, expenses, assets, liabilities)

  • Tax File Number (TFN) and residency status

  • Credit information (including credit history, repayment conduct, defaults)

  • Health information (only where relevant and with your consent)

 

How We Collect Your Information

We may collect your personal information from:

  • Direct interactions with you (e.g. application forms, phone calls, emails, website submissions)

  • Third parties, such as mortgage brokers, accountants, employers, and verification services

  • Public databases and property records

  • Credit reporting bodies (CRBs)

We only collect information that is necessary and relevant to providing you with financial services and always with your knowledge or consent.

 

Dealing with Us Anonymously

Where lawful and practicable, you may choose to deal with us anonymously or under a pseudonym. However, in most financial services—such as applying for a loan—identification is legally required.

 

Use and Disclosure of Your Information

We may use and disclose your personal information to:

  • Assess, process, and manage your credit or loan application

  • Provide you with ongoing services and support

  • Handle complaints and respond to feedback

  • Conduct direct marketing (unless you opt out)

Your information may be disclosed to:

  • Credit providers, lenders, and mortgage insurers

  • Credit reporting bodies (e.g. Equifax, Illion)

  • Service providers (e.g. IT, cloud storage, document handling)

  • Professional advisers (e.g. your accountant or financial planner)

  • Regulatory or government authorities (e.g. ASIC, AUSTRAC) as required

  • Related companies or marketing partners (only with your consent)

  • Approved overseas service providers (e.g. data support based in the Philippines)

 

Direct Marketing

We may contact you with information about services or offers that we believe may be of interest to you. You can opt out of direct marketing communications at any time by:

We will action your request promptly and at no cost.

 

Credit Information

We may collect, hold, and disclose credit-related information, such as:

  • Credit reports from CRBs

  • Your repayment history and credit limits

  • Details of credit applications and defaults

We handle this information in accordance with Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code 2014.

 

Security of Your Information

We take reasonable steps to safeguard your information from misuse, interference, loss, and unauthorised access, modification, or disclosure.

Information is securely stored, and access is restricted to authorised staff only.

When your information is no longer needed, we will destroy or de-identify it in accordance with legal requirements—unless retention is required for audit, regulatory, or taxation purposes.

 

Contact Us

For any questions, access or correction requests, complaints, or to opt out of marketing, please contact:

HSH Finance Pty Ltd
Email: office@hshfinance.com
Website: www.hshfinance.com

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