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Terms and Conditions

Loan Choice Hub | Effective 29 August 2026

This website privacy policy is drafted for publication on lchub.com.au. It should be reviewed against Loan Choice Hub’s actual data flows, legal entity/licence details, technology providers and overseas service providers before publication.

1. About this Privacy Policy

Loan Choice Hub respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how Loan Choice Hub collects, holds, uses and discloses personal information when you visit lchub.com.au, contact us, request information, apply for or enquire about finance, or otherwise interact with us.
This Privacy Policy is intended to explain our practices in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs), to the extent they apply to us.

2. Who we are

Loan Choice Hub (referred to in this Privacy Policy as “Loan Choice Hub”, “we”, “us” or “our”) provides finance and mortgage broking services.

Website: lchub.com.au
Email: info@lchub.com.au
Phone: 0403 676 088

If you require our legal entity name, ABN, Australian Credit Licence number or credit representative details, these should be inserted here before publication: [INSERT LEGAL ENTITY NAME / ABN / ACL OR CREDIT REPRESENTATIVE DETAILS].

3. What personal information we collect

Depending on the services you request, we may collect information such as your name, date of birth, contact details, residential address, identification information, employment and income details, financial information, assets and liabilities, loan details, transaction information, credit history and information contained in documents you provide to us.
We may also collect information about your interactions with us, including enquiries, correspondence, application notes, preferences, website interactions and information needed to manage complaints or requests.
Where reasonably necessary and permitted by law, we may collect sensitive information. We will handle sensitive information in accordance with applicable privacy laws and any required consent.

4. How we collect personal information

We generally collect personal information directly from you through our website, online forms, email, telephone, meetings, documents and other communications.
Where appropriate, we may also collect information from third parties, including lenders, mortgage aggregators, credit reporting bodies, identity verification providers, valuers, accountants, financial advisers, real estate agents, employers or other parties involved in your finance application, where permitted by law and with your authority where required.

5. Why we collect, hold, use and disclose personal information

We collect, hold, use and disclose personal information for purposes including:
  • assessing your finance needs and providing mortgage and finance broking services;
  • preparing, submitting and managing finance applications;
  • verifying your identity and information;
  • communicating with you about your enquiries, applications and services;
  • obtaining information and services from lenders, aggregators, credit reporting bodies and other relevant providers;
  • complying with legal, regulatory, licensing, responsible lending, anti-fraud and other obligations;
  • managing our business, records, complaints, disputes and risk;
  • improving our services, systems and website; and
  • sending marketing communications where permitted by law and in accordance with your preferences

6. Disclosure of personal information

We may disclose personal information to organisations that reasonably need it to provide or support our services. Depending on your circumstances, these may include lenders and their service providers, our mortgage aggregator or licensee, credit reporting bodies, identity verification and fraud prevention providers, valuers, insurers, professional advisers, technology and cloud service providers, payment providers, regulators, government agencies, courts and other parties where required or authorised by law.

We do not sell your personal information.

7. Credit-related information

If you enquire about or apply for credit, we may collect and use credit-related information in accordance with applicable credit reporting and privacy laws. This may include information obtained from credit reporting bodies and information provided to or received from credit providers and other parties involved in assessing or administering credit.
Where required, we will obtain your consent or provide the notices required before collecting, using or disclosing credit-related information.

8. Website, cookies and analytics

When you use our website, we may collect technical and usage information such as IP address, browser type, device information, pages visited and general interaction information. We may use cookies, analytics tools and similar technologies to operate, secure and improve our website and understand how visitors use it.
You can usually adjust your browser settings to control cookies. Disabling some cookies may affect website functionality.

9. Direct marketing

We may use your personal information to provide information about our services, offers or updates where permitted by law. You can opt out of marketing communications at any time by using the unsubscribe option provided or by contacting us at info@lchub.com.au.

10. How we hold and protect personal information

We take reasonable steps to protect personal information from misuse, interference, loss and unauthorised access, modification or disclosure. Depending on the circumstances, safeguards may include access controls, secure systems, authentication, staff procedures, contractual controls and secure storage arrangements. No method of electronic storage or transmission is completely secure. You should take reasonable care when sending information to us electronically and contact us promptly if you believe your information may have been compromised.

11. Overseas disclosure

We may use third-party technology, cloud, software or service providers that may store or process information outside Australia. Before publishing this policy, Loan Choice Hub should confirm the countries in which relevant overseas recipients are located and list those countries here where practicable: [INSERT COUNTRIES, IF APPLICABLE].
Where required by the Privacy Act, we will take reasonable steps in relation to overseas disclosures and applicable privacy obligations.

12. Accessing and correcting your information

You may request access to personal information we hold about you and ask us to correct information that is inaccurate, out of date, incomplete, irrelevant or misleading.
To make a request, contact us using the details below. We may need to verify your identity before responding. We will generally respond within a reasonable period and in accordance with applicable privacy requirements.

13. Privacy complaints

If you believe we have mishandled your personal information or breached an applicable privacy obligation, please contact us first so we can investigate and try to resolve your concern.

Privacy complaints should be sent to:
Loan Choice Hub
Email: info@lchub.com.au
Phone: 0403 676 088

Please provide enough information for us to investigate your complaint. We will acknowledge and handle complaints in accordance with our complaints procedures and applicable law
If you are not satisfied with our response, you may be able to contact the Office of the Australian Information Commissioner (OAIC) or another relevant external dispute resolution or regulatory body, depending on the nature of your complaint.

14. Data retention

We retain personal information for as long as reasonably necessary for the purposes for which it was collected, to provide our services, maintain business and transaction records, resolve disputes and meet legal, regulatory and professional obligations. When information is no longer required, we take reasonable steps to securely destroy or de-identify it, subject to any retention requirements.

15. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our business, technology, legal obligations or information-handling practices. The current version will be published on our website with the date it was last updated.

16. Contact us

For privacy enquiries, access or correction requests, or privacy complaints, please contact:

Loan Choice Hub
Email: info@lchub.com.au
Phone: 0403 676 088
Website: lchub.com.au