Effective Date: [July 2025]

About LoansLab Pty Ltd

LoansLab Pty Ltd (ABN 39 687 356 270 | ACN 687 356 270) is a registered Australian private company, incorporated under the Corporations Act 2001 and taken to be registered in Victoria. Our principal place of business is located at 11 Hey St, Williams Landing VIC 3027.

We operate as a mortgage brokerage service under the ANZSIC classification 6411 – Financial Asset Broking Services. Our mission is to help Australians access the right home loan solutions by providing personalised guidance and access to a wide range of lenders.

LoansLab is a credit representative under Hai Money, a sub-aggregator of Finsure Pty Ltd (Australian Credit Licence 384704), one of Australia's largest and most trusted mortgage aggregation groups.

At LoansLab, we value transparency, compliance, and the responsible handling of your personal information. The following privacy policy outlines how we collect, use, disclose, and protect your data.

1. What Information We Collect

We may collect personal and financial information including:

Full name, date of birth, and contact details

• Employment and income details

• Credit history and credit score

• Loan and property details

• Identification documents (e.g. driver's licence, passport)

• Information about your financial goals and objectives

• Sensitive information (only where required and with your consent)

2. How We Collect Your Information

We collect information through:

• Application forms (online or paper-based)

• Our website (www.loanslab.com.au)

• Email, phone, and video calls

• Third parties such as your accountant, employer, or credit reporting bodies

• Aggregators such as Hai Money and Finsure

• Public sources and third-party services with your authorisation

3. Why We Collect Your Information

We collect your personal information to:

• Assess your eligibility for credit products

• Provide mortgage and finance services

• Verify your identity

• Assist with credit applications and settlement

• Comply with legal and regulatory obligations

• Refer you to or receive referrals from related service providers (e.g. conveyancers, insurers, accountants)

4. Disclosure of Your Information

We may disclose your personal information to:

• Lenders, banks, and financial institutions

• Hai Money and Finsure Pty Ltd

• Credit reporting bodies (e.g. Equifax)

• Third-party service providers (e.g. IT, legal, compliance)

• Government agencies and regulators, where required

• Your authorised representatives

We will never sell your personal information.

5. Credit Reporting

We may collect credit information and disclose it to credit reporting bodies as part of the loan assessment process. This includes:

• Repayment history

• Default information

• Court judgments

• Personal insolvency information

You can request a copy of your credit report and contact credit reporting bodies to correct information.

6. Storage and Security

We store your personal information securely in both physical and digital formats. We take reasonable steps to:

• Protect data from misuse, loss, unauthorised access, or disclosure

• Limit access to personal information to authorised personnel only

• Use secure platforms for data transfer and storage

7. Access and Correction

You can request access to or correction of your personal information by contacting us:

📧 Email: perry@loanslab.com.au
📞 Phone: +61 450 786 115

We will respond to your request within 30 days. In some cases, we may need to verify your identity or explain why we can’t make a change.

8. Marketing Communications

We may use your information to offer you additional services or promotions. You can opt out of marketing emails or messages at any time by contacting us or using the unsubscribe link.

9. Complaints

If you have a complaint about how we handle your personal information:

1. Contact us at perry@loanslab.com.au

2. If unresolved, you can contact Finsure at info@haimoney.com.au

3. If you're still not satisfied, you can contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au

10. Changes to This Policy

We may update this privacy policy from time to time. The latest version will always be available at www.loanslab.com.au or upon request.