- Effective Date: 16 September 2025
Credit Hub respects your privacy and is committed to protecting your personal information in accordance with the Privacy Act 1988 and the Australian Privacy Principles (APPs). This Privacy Policy explains how we collect, use, store, and disclose your personal information, including when you engage with our in-house brokers, contracted brokers, and services offered through our approved aggregators.
In this Privacy Policy, “we”, “us”, or “our” refers to Trading as Credit Hub, and includes all our related entities including, AS & JS Finance Pty Ltd (Finance) and Conveyancing Hub (Aus) Pty Ltd (Conveyancing) , Jass group (Aus) Pty Ltd, Cha Group (Aus) Pty ltd
Our Brokers and Aggregators
Credit Hub operates with both in-house brokers and contracted brokers:
- Credit Hub operates with both in-house brokers and contracted brokers.
- Our in-house brokers and contracted brokers act as authorized credit representatives under Aggregators ACL
- Some contracted brokers hold their own Credit Representative numbers with their aggregators or have their own ACL and operate independently, but we partner with them ,with only approved aggregators to provide clients access to a wider range of lenders and products
Personal Information We Collect
We may collect the following types of personal information:
- Full name, contact details, email, and residential address.
- Identity information (e.g., driver’s license, passport, Medicare card).
- Date of birth, age, and demographic data.
- Employment details, income, financial status, and loan preferences.
- Details about your credit history and repayment capacity.
- Payment and transaction details (processed securely via third-party providers).
- Loan application data, including borrowing purpose and objectives.
- Browser session data, location details, and analytics information.
- Any additional information provided directly or indirectly via our Services, website, forms, or referral partners.
If a referral partner provides your information, we require them to have your consent. We will confirm this consent before contacting you.
Sensitive Information
We may collect sensitive information, such as:
- Health information for mortgage protection insurance.
- Identity documents for verification purposes.
- Financial hardship data if relevant to your loan application.
Sensitive information is collected only when necessary to provide our services or as required by law.
How We Use Your Information
We collect, hold, use, and disclose your information to:
- Assess and manage your loan application.
- Submit applications to lenders, aggregators, and insurers.
- Provide financial solutions suited to your needs.
- Communicate with you about applications, approvals, and updates.
- Comply with legal and regulatory obligations under the NCCP Act.
- Conduct analytics, business development, and compliance reporting.
- Manage recruitment, contractors, and broker relationships.
Disclosure of Personal Information
We may disclose your information to:
- Approved Aggregators – to access a wide range of lenders and products.
- Selected Lenders & Insurers – to process your applications.
- In-House & Contracted Brokers – authorised under Credit Hub’s licence.
- Regulators – including ASIC, AFCA, and other government bodies.
- Third-Party Service Providers – IT systems, cloud storage, marketing agencies, and training bodies.
- Credit Reporting Agencies – for verification and suitability assessments.
- Professional Advisors – accountants, auditors, and solicitors.
- Overseas Service Providers – where personal data is stored or processed outside Australia.
Where personal information is transferred overseas, we ensure the receiving parties comply with obligations equivalent to the Australian Privacy Principles (APPs).
AFCA Membership & Dispute Resolution
Credit Hub is a proud member of the Australian Financial Complaints Authority (AFCA), committed to fair and transparent dispute resolution.
If you have concerns about how we manage your information, you may contact us directly. If we cannot resolve your complaint within 30 days, you may escalate it to AFCA:
- Phone: 1800 931 678
- Website: www.afca.org.au
- Mail: GPO Box 3, Melbourne VIC 3001
Data Storage & Security
We take data protection seriously and apply strict measures to keep your information safe:
- Encrypted digital storage and secure servers.
- Restricted internal access based on authorization levels.
- Continuous monitoring of systems and compliance audits.
- Secure third-party IT, CRM, and loan processing platforms.
However, data transmission over the internet is at your own risk, and while we take reasonable precautions, we cannot guarantee absolute security.
Cookies, Analytics & Marketing
We use cookies and third-party tracking tools (e.g., Google Analytics, Facebook Pixel) to:
- Improve user experience on our website.
- Understand browsing behavior.
- Deliver relevant advertising and marketing campaigns.
You may disable cookies in your browser; however, some features of our website may not function properly as a result.
Your Rights
You have the right to:
- Access your personal information.
- Correct any inaccurate or outdated details.
- Withdraw consent to marketing and promotional communications.
- Request deletion of your personal data, where legally permitted.
- Lodge complaints if you believe your information has been mishandled.
To exercise your rights, contact our Privacy Officer.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect regulatory changes or operational updates. The latest version will always be available at www.credithub.com.au.
Contact Us
For any questions, requests, or complaints regarding your personal information, please contact our Privacy Officer:
- Email: info@credithub.com.au
- Phone: 1300 782 944
- Mail: PO Box 6493, Point Cook, VIC 3030