Value Lending Privacy Policy

Last updated: October 2025

Overview

Value Lending Pty Ltd (“Value Lending”, “we”, “our”, or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and disclose information about you in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).


By using our website, submitting an enquiry, or engaging our services, you consent to the practices outlined in this policy.


Who We Are

Value Lending Pty Ltd (ABN 78 631 234 789) operates as a Credit Representative (CRN 501927) of Connective Credit Services Pty Ltd (ACL 389328).

We provide lending advice, mortgage broking, and related finance services.


If you have any questions about this policy or how your data is handled, please contact:
Privacy Officer
PO Box 127, Warners Bay NSW 2282
Email: josh@valuelending.com.au
Phone: 1300 708 800


What Information We Collect

We may collect the following types of personal information:

  • Name, address, contact details, and date of birth
  • Employment details and financial information (e.g. income, expenses, assets, liabilities)
  • Identification documents (e.g. driver’s licence, passport)
  • Details about your loan requirements, goals, and objectives
  • Credit and repayment history
  • Website and marketing interaction data (cookies, IP address, browsing behaviour)
  • Email engagement data (opens, clicks, unsubscribes)

We only collect information that is reasonably necessary for our business activities or required by law.


How We Collect Information

We collect personal information when you:

  • Complete forms on our website or in person
  • Subscribe to our emails or newsletters
  • Apply for credit assistance
  • Communicate with us by phone, email, or social media
  • Visit our website (through analytics and cookies)

We may also receive information from third parties such as our aggregator (Connective Credit Services Pty Ltd), lenders, referrers, or analytics platforms.


How We Use Your Information

We use your information to:

  • Provide mortgage and finance services
  • Assess your suitability for credit products
  • Communicate with you about your application
  • Respond to enquiries and customer support requests
  • Send marketing emails, updates, and offers (you can unsubscribe anytime)
  • Improve our website and customer experience
  • Conduct advertising and remarketing through tracking tools


Use of Cookies and Tracking Technologies

We use cookies, pixels, and analytics tools (such as Google Analytics, Facebook Pixel, and other advertising platforms) to understand website traffic, improve functionality, and deliver relevant advertising.


These tools may collect data about your interactions with our website and third-party websites. You can manage or disable cookies through your browser settings, but some site features may not work properly if you do.


Marketing and Communication

From time to time, we may send you marketing communications about lending services, rate updates, and financial insights that we believe will be useful.


You can opt out of these communications by clicking “unsubscribe” in our emails or contacting us directly.


We may also use anonymised data to create audience segments for digital advertising campaigns.


Disclosure of Information

We may share your information with:

  • Lenders and financial institutions
  • Our aggregator (Connective Credit Services Pty Ltd)
  • Credit reporting bodies and verification services
  • Technology providers and marketing partners
  • Professional advisers (legal, accounting, or compliance)
  • Regulators and government authorities as required by law

Some third-party partners may store or process data overseas (including in the Philippines, India, and Nepal).


Data Security

We take reasonable steps to protect your personal information from misuse, loss, or unauthorised access.


All staff are bound by confidentiality obligations, and data is protected by secure systems, password protection, and restricted access.


When your information is no longer required, we will securely delete or de-identify it.


Access and Correction

You can request access to the information we hold about you or ask for corrections if it’s inaccurate, incomplete, or outdated.


Please contact our Privacy Officer using the details above.


Complaints

f you have concerns about how your information has been handled, please contact us first.


If we can’t resolve your issue, you can contact our credit licence holder or escalate the complaint to:

Australian Financial Complaints Authority (AFCA)
Phone: 1800 931 678
Website: www.afca.org.au


Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. The latest version will always be available on our website.