Privacy Policy

LAST UPDATED: 1ST SEPTMEBER 2026

ABN: 94 684 082 086

Luxe Lending and Finance respects your privacy and is committed to protecting the personal information you provide to us.

This Privacy Policy explains how Luxe Lending and Finance collects, holds, uses and discloses personal information when you enquire about or use our finance broking services, communicate with us or visit our website.

We manage personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles and other applicable Australian privacy and credit laws.

ABN: 94 684 082 086

Luxe Lending and Finance provides finance broking and credit assistance services.

Business name: Luxe Lending and Finance
ABN: 94 684 082 086
Location: Wagga Wagga, New South Wales
Email: gaby@luxelending.com.au
Phone: [insert phone number]Australian Credit Licence or Credit Representative number: [insert details]Australian Credit Licensee: [insert licensee name and licence number, if applicable]

In this Privacy Policy, “we”, “us” and “our” refer to Luxe Lending and Finance.

The personal information we collect depends on your circumstances and the services you ask us to provide.

It may include:

We may also collect government-related identifiers when they are reasonably necessary to verify your identity or provide credit assistance. We will not use those identifiers as our own internal identifier unless permitted by law.

We generally collect personal information directly from you when you:

We may also collect information from other people or organisations where you have authorised us to do so, or where collection is permitted by law.

These may include:

Where another person provides information to us on your behalf, we may ask them to confirm that they have your permission to do so.

We collect, hold and use personal information so we can:

We will generally only use your personal information for the purpose for which it was collected, a related purpose you would reasonably expect, a purpose you have consented to, or where required or authorised by law.

To provide finance broking and credit assistance services, we may collect and handle credit-related information.

This may include:

With your consent, information may be obtained from or disclosed to lenders, credit providers and credit reporting bodies as part of assessing or processing your application.

The lender or credit provider you apply to will have its own privacy and credit-reporting policy. You should review that policy before proceeding with an application.

You do not have to provide us with your personal information.

However, if you do not provide the information we reasonably need, we may be unable to:

You may contact us anonymously or using a pseudonym for general enquiries where this is lawful and practical. We will generally need to confirm your identity before providing personalised credit assistance or submitting an application.

We may disclose your personal information where reasonably necessary to provide our services or meet our obligations.

Recipients may include:

We do not sell your personal information.

Some of the service providers used by us, our aggregator, licensee or lenders may store, process or access information from locations outside Australia.

These providers may include cloud-hosting, email, document-management, identity-verification, customer-management and technology providers.

Where practicable, the countries in which overseas recipients may be located include:

[Insert countries confirmed by Gabrielle’s aggregator, licensee and software providers, for example the United States, New Zealand, Singapore, Ireland or the United Kingdom.]

Before publishing this policy, Luxe Lending and Finance should confirm whether client information is likely to be disclosed or accessible overseas and identify the relevant countries where practicable. Australian privacy policies must address overseas disclosure when it is likely to occur.

Personal information may be held electronically or, where necessary, in physical records.

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification and disclosure. These steps may include:

No method of electronic storage or communication is completely secure. While we take reasonable precautions, we cannot guarantee the security of information transmitted over the internet.

Please avoid sending highly sensitive identification or financial documents through unsecured communication channels unless we have asked you to do so.

We retain personal information for as long as reasonably necessary to:

When information is no longer required and we are not legally required to retain it, we will take reasonable steps to securely destroy it or permanently de-identify it.

When you visit our website, certain technical information may be collected automatically.

Our website may use cookies and similar technologies to:

Cookies are small files stored on your device. You can usually adjust your browser settings to block or delete cookies, although doing so may affect how parts of the website operate.

We may use third-party services such as [Google Analytics, Meta Pixel or other tools, if applicable]. These providers may collect technical and usage information in accordance with their own privacy policies.

The final policy should only name analytics and advertising tools that are actually installed on the Luxe website.

With your consent, or where otherwise permitted by law, we may use your contact details to provide information about:

You can opt out at any time by:

We will not charge you for making an opt-out request.
Even if you opt out of marketing, we may still contact you about an active enquiry, application, existing service or legal obligation.

You may request access to the personal information we hold about you.

To make a request, contact us using the details at the end of this policy. We may need to verify your identity before releasing information.

We will respond within a reasonable period. In some circumstances, Australian law may allow or require us to refuse access. If that occurs, we will generally explain the reason unless we are legally prevented from doing so.

We may charge a reasonable fee for the administrative cost of providing access, but we will not charge you merely for making a request.

We take reasonable steps to ensure the information we hold is accurate, complete and current.

Please contact us if you believe information we hold about you is incorrect, incomplete or out of date.

We will take reasonable steps to correct the information where appropriate. If we do not make the requested correction, you may ask us to associate a statement with the information noting that you believe it is inaccurate.

We have procedures for responding to suspected loss, misuse, unauthorised access or disclosure of personal information.

Where a breach is likely to result in serious harm and notification is required under the Notifiable Data Breaches scheme, we will notify affected individuals and the Office of the Australian Information Commissioner as required by law.

If you believe we have mishandled your personal information or breached your privacy rights, please contact us first so we can investigate the matter.

Please provide:

We will acknowledge your complaint and aim to respond within a reasonable period.

Gabrielle Carswell
Luxe Lending and Finance
Email: gaby@luxelending.com.au
Phone: 0417 317 755
Postal address: PO Box 2467 Wagga Wagga

If you are dissatisfied with our response, you may be entitled to contact:

Australian Financial Complaints Authority membership details:
[Insert AFCA membership details and contact information required by the licensee or aggregator.]

Our website may contain links to lender, partner or third-party websites.

We are not responsible for the privacy practices or content of external websites. You should review the privacy policy of any external website before providing personal information.

We may update this Privacy Policy when our services, systems, legal obligations or information-handling practices change.

The current version will be published on our website with the date it was last updated.

For questions about this Privacy Policy or the way we handle personal information, contact:

Luxe Lending and Finance
Gabrielle Carswell
Email: gaby@luxelending.com.au
Phone: 0417 317 755
Postal address: PO Box 2467 Wagga Wagga