Privacy Policy – Kaushal Lending

Effective Date: 12 June 2025
Business Name: KAUSHAL LENDING SERVICES PTY LTD
ABN: 62 676 966 573
Australian Credit Representative Number: 559648
Address: 234 Evans Road, Cranbourne West, Victoria 3977
Mobile: 0433 807 871
Email: r.kumar@kaushallending.com.au | admin@kaushallending.com.au
Credit Licence Provider: Australian Finance Group Ltd (ACN 066 385 822)
Australian Credit Licence Number: 389087

Kaushal Lending Services Pty Ltd (“we”, “us”, “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy outlines how we manage your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs), and your rights under Victorian and Commonwealth law.

1. What Information We Collect

We may collect and hold the following personal information:

  • Full name, date of birth, residential and postal address

  • Contact details (phone number, email address)

  • Employment status, income, and financial background

  • Identification details (driver’s licence, passport, etc.)

  • Credit-related information, including reports and scores

  • Loan and banking details

  • Sensitive data (e.g. medical or criminal history) — only with your explicit consent and if relevant to our services

2. How We Collect Your Information

We collect personal information:

  • Directly from you via forms, phone, email, website, or meetings

  • From authorised third parties (e.g. employers, accountants, credit agencies)

  • From public records (e.g. ASIC, land title searches)

  • Through website cookies and analytics tools

We only collect what is necessary for providing our services or meeting legal obligations.

3. Why We Collect Your Information

We use your personal information to:

  • Assess your eligibility for loans and recommend suitable products

  • Facilitate mortgage applications and liaise with lenders

  • Deliver credit assistance and broking services

  • Obtain credit reports with your permission

  • Satisfy legal obligations (e.g. anti-money laundering)

  • Maintain communication throughout your loan process

  • Improve internal processes and user experience

  • Provide marketing updates and insights (with opt-out options)

4. Who We Share It With

We may share your personal information with:

  • Banks, lenders, and credit providers

  • Credit reporting agencies (with your consent)

  • Our licensee, Australian Finance Group Ltd

  • Third-party professionals such as conveyancers, accountants, or insurers (with your permission)

  • Regulatory authorities (e.g. AUSTRAC, ASIC)

  • Secure IT and cloud service providers

We do not sell your information.

5. Data Security

We take all reasonable steps to protect your information, including:

  • Secure, encrypted databases and password-protected systems

  • Access restricted to authorised personnel only

  • Data disposal in accordance with legal requirements

  • Privacy-compliant offshore backups where applicable

6. Access & Correction

You may request access to or correction of your personal data by contacting us:

📧 r.kumar@kaushallending.com.au or admin@kaushallending.com.au
📍 234 Evans Road, Cranbourne West, Victoria 3977

Requests may require ID verification. We aim to respond within 10 business days.

7. Direct Marketing

You may receive occasional communications or offers relevant to your financial needs. You may opt out at any time via unsubscribe links or by contacting us directly.

8. Cookies & Analytics

We use cookies and analytics tools (e.g. Google Analytics) to improve your website experience. These tools collect general usage data but do not identify individuals. You can control or disable cookies via your browser settings.

9. Your Rights Under Australian Law

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

  • Access or correct your personal information

  • Withdraw consent for optional data uses

  • Make a complaint about our handling of your information

10. Complaints

To make a privacy-related complaint, please contact:

📧 r.kumar@kaushallending.com.au or admin@kaushallending.com.au
📍 234 Evans Road, Cranbourne West, Victoria 3977

We aim to respond and resolve complaints within 30 days. If you are not satisfied with our resolution, you may contact:

Office of the Australian Information Commissioner (OAIC)
📞 1300 363 992
🌐 www.oaic.gov.au

11. Policy Updates

This Privacy Policy may be updated from time to time. The most recent version will always be available on our website. By using our services or providing personal information, you agree to the terms of this Privacy Policy.