Last updated: June 27, 2026
1. About this Privacy Policy
This Privacy Policy explains how Huggett Finance collects, holds, uses and discloses personal information.
In this policy, “we”, “us” and “our” means:
HUGGETT ENTERPRISES PTY LTD
ACN: 104 294 082
Australian Credit Licence: 368172
Address: 9 Minehan Place Calwell, ACT 2905
Email: sharryn@huggettfinance.com.au
Phone: 0418 631 113
We provide mortgage broking, loan broking and credit assistance services in Australia. We handle personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles, and, where applicable, credit reporting rules under the Privacy Act and the Privacy (Credit Reporting) Code.
We also operate under Australian credit laws, including the National Consumer Credit Protection Act 2009 (Cth). As a mortgage broker or credit assistance provider, we are required to act in the best interests of consumers when providing credit assistance and to prioritise consumers’ interests where there is a conflict.
2. The kinds of personal information we collect
The information we collect depends on the services you ask us to provide. It may include:
- your name, date of birth and contact details;
- your residential address and previous addresses;
- your employment details, income and expenses;
- your assets, liabilities, savings, debts and financial commitments;
- information about your property, proposed property purchase, loan requirements or refinancing needs;
- identification documents, such as a driver licence, passport or Medicare card;
- bank statements, payslips, tax returns, notices of assessment and financial statements;
- credit history information, credit scores or information from credit reports, where relevant and permitted;
- information about co-borrowers, guarantors or related parties;
- information you provide through our website, contact forms, emails, phone calls, meetings or loan application documents;
- records of our communications with you;
- information required by lenders, mortgage insurers, aggregators, credit licensees or regulators.
We may also collect sensitive information if it is relevant to your application or circumstances and you consent to us collecting it. This may include information about hardship, health, family circumstances or other personal circumstances that affect your lending needs or loan application.
3. How we collect personal information
We usually collect personal information directly from you. We may collect it when you:
- contact us through our website;
- complete an enquiry form, fact find, loan application or consent form;
- speak with us by phone, email, video conference or in person;
- provide documents to us;
- use our website or online tools;
- correspond with us during the loan application or settlement process.
We may also collect personal information from third parties where it is lawful and reasonable to do so, including:
- credit providers, lenders and mortgage managers;
- credit reporting bodies;
- mortgage insurers;
- aggregators, Australian Credit Licence holders or credit representatives;
- accountants, solicitors, conveyancers, financial advisers or other professional advisers;
- real estate agents, valuers or property professionals;
- employers, referees or income verification providers;
- government agencies, regulators or identity verification services;
- publicly available sources;
- other people you authorise us to communicate with.
4. Why we collect, hold, use and disclose personal information
We collect, hold, use and disclose personal information so we can provide mortgage broking, loan broking and related services. This includes using your information to:
- understand your financial position, objectives and requirements;
- assess your borrowing needs and loan options;
- compare loan products and lenders;
- provide credit assistance and recommendations;
- prepare, submit and manage loan applications;
- verify your identity;
- communicate with you, lenders and other parties involved in your application;
- assist with refinancing, loan variations, pre-approvals or post-settlement enquiries;
- comply with our credit licensing, responsible lending, best interests duty and record-keeping obligations;
- manage complaints, disputes or enquiries;
- meet legal, regulatory, audit, compliance and reporting requirements;
- improve our services and website;
- send you service updates, newsletters or marketing material, where permitted.
You can opt out of marketing communications at any time by contacting us or using the unsubscribe option in our emails.
5. What happens if you do not provide information
You do not have to provide personal information to us. However, if you do not provide the information we reasonably need, we may not be able to:
- assess your loan options;
- provide credit assistance;
- submit an application to a lender;
- verify your identity;
- meet lender, legal or regulatory requirements;
- continue acting for you.
In some cases, we may be unable to provide services unless accurate and complete information is provided.
6. Credit information and credit reporting
Because we provide mortgage broking and credit assistance services, we may handle credit-related personal information.
This may include:
- information about your current or previous loans;
- repayment history information;
- credit limits;
- defaults, court judgments or insolvency information;
- credit application history;
- information from a credit report;
- information derived from credit reporting information, such as an internal assessment of your creditworthiness.
We may collect, use and disclose credit-related information where this is necessary to assist with your loan application, assess your eligibility for credit, obtain lender approvals, manage your application or comply with credit laws.
Where required, we will obtain your consent before accessing or arranging access to credit reporting information. Credit reporting information may be obtained from or disclosed to credit providers, credit reporting bodies, mortgage insurers, aggregators or other parties involved in assessing or processing your application.
You may have rights to access and correct credit-related information about you. If you believe credit-related information we hold about you is incorrect, incomplete, out of date, irrelevant or misleading, you can contact us using the details in this policy.
7. Who we may disclose your personal information to
We may disclose personal information to:
- banks, lenders, credit providers and mortgage managers;
- mortgage insurers;
- credit reporting bodies;
- aggregators, Australian Credit Licence holders, credit representatives and compliance service providers;
- loan processing, document preparation and settlement service providers;
- identity verification providers;
- valuers, solicitors, conveyancers, accountants and other professional advisers;
- insurers and related product providers, where relevant;
- referees, employers or income verification providers;
- guarantors, co-borrowers or authorised representatives, where appropriate;
- technology providers, including CRM, email, document storage, e-signature, cloud hosting, website hosting and communication providers;
- auditors, consultants and professional advisers;
- regulators, external dispute resolution bodies, courts, tribunals or law enforcement agencies;
- any person or organisation where you have authorised us to disclose the information;
- any person or organisation where disclosure is required or authorised by law.
We do not sell your personal information.
8. Overseas disclosure
Some of our service providers may store or process information outside Australia. This may include cloud storage, email, CRM, document management, e-signature, website hosting, analytics or support providers.
Where we disclose personal information overseas, we will take reasonable steps to ensure the disclosure complies with the Australian Privacy Principles, unless an exception applies.
Known overseas disclosure locations include: India
This section should be reviewed carefully before publishing and updated to reflect the broker’s actual software providers and data storage arrangements.
9. Website use, cookies and analytics
When you visit our website, we may collect technical information such as:
- your IP address;
- browser type;
- device type;
- pages visited;
- date and time of access;
- referring website;
- interactions with forms or website features.
We may use cookies, analytics tools and similar technologies to operate the website, measure website performance, understand visitor behaviour and improve our services.
You can disable cookies through your browser settings. Some website features may not work properly if cookies are disabled.
If our website uses third-party tools such as Google Analytics, Meta Pixel, online advertising pixels, embedded maps, chat tools or booking widgets, those providers may also collect information in accordance with their own privacy policies.
10. Security of personal information
We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification or disclosure.
These steps may include:
- secure document storage;
- password protection and access controls;
- multi-factor authentication where available;
- encryption or secure transmission where appropriate;
- staff confidentiality obligations;
- secure disposal or de-identification of information when no longer required;
- use of reputable technology providers;
- compliance and audit processes.
No method of electronic transmission or storage is completely secure. If you send information to us by email or online form, you should be aware of the usual risks associated with electronic communication.
11. Data breaches
If we become aware of a suspected data breach, we will assess the incident and take appropriate steps to contain and manage it.
Where required under the Notifiable Data Breaches scheme, we will notify affected individuals and the Office of the Australian Information Commissioner.
12. How long we keep information
We keep personal information for as long as reasonably necessary for the purposes described in this policy.
We may also keep information to meet legal, regulatory, credit licensing, lender, aggregator, audit, insurance, dispute resolution and record-keeping requirements.
When information is no longer required, we will take reasonable steps to destroy it securely or de-identify it, unless we are required or permitted by law to retain it.
13. Accessing your personal information
You may request access to personal information we hold about you by contacting us.
We may need to verify your identity before providing access. We will respond within a reasonable period.
In some circumstances, we may refuse access where permitted by law. If we refuse access, we will explain the reason where it is reasonable to do so.
14. Correcting your personal information
We aim to keep personal information accurate, complete and up to date.
You may ask us to correct personal information we hold about you. If we are satisfied the information is inaccurate, out of date, incomplete, irrelevant or misleading, we will take reasonable steps to correct it.
If we do not agree to correct the information, you may ask us to attach a statement to the information noting that you believe it is incorrect.
For credit-related correction requests, we will handle the request in accordance with applicable credit reporting laws.
15. Privacy complaints
If you have a complaint about how we have handled your personal information, please contact us first.
Privacy Officer: Sharryn Huggett
Email: sharryn@huggettfinance.com.au
Phone: 0418 631 113
Postal address: 9 Minehan Place Calwell, ACT 2905
Please include:
- your name and contact details;
- a clear description of your complaint;
- any relevant dates, documents or reference numbers;
- the outcome you are seeking.
We will acknowledge your complaint and aim to respond within a reasonable time, usually within 30 days.
If you are not satisfied with our response, or if we do not respond within a reasonable time, you may contact the Office of the Australian Information Commissioner (OAIC).
OAIC privacy complaints must generally be made in writing. The OAIC provides an online privacy complaint form. If you cannot access the online form, you can email the OAIC at oaicintake@oaic.gov.au or write to:
Office of the Australian Information Commissioner
GPO Box 5288
Sydney NSW 2001
16. Credit and financial service complaints
If your complaint relates to our mortgage broking, loan broking or credit assistance services, you should contact us first using the details above.
If your complaint is not resolved, you may be able to refer it to the Australian Financial Complaints Authority (AFCA), which provides independent external dispute resolution for financial complaints.
AFCA contact details:
Australian Financial Complaints Authority
Phone: 1800 931 678
Website: www.afca.org.au
Postal address: GPO Box 3, Melbourne VIC 3001
17. Third-party websites
Our website may contain links to third-party websites. We are not responsible for the privacy practices, security or content of third-party websites.
You should read the privacy policy of any third-party website you visit.
18. Changes to this Privacy Policy
We may update this Privacy Policy from time to time. The current version will be published on our website.
The updated policy will apply from the date it is published, unless stated otherwise.