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HDGS.AVE / LEGAL

PRIVACY POLICY & WEBSITE TERMS

LAST UPDATED OCTOBER 2026

Who we are

HDGS.AVE ("we", "us", "our") is a finance broking business based on the Gold Coast.

This policy explains how we collect, hold, use and disclose your personal information, including credit-related information. We handle it in line with the Privacy Act 1988 (Cth), the Australian Privacy Principles and, where it applies, the Privacy (Credit Reporting) Code.

We may update this policy from time to time. The current version is always available on our website.

Information we collect

We only collect what we reasonably need to help you find and apply for finance. Depending on your loan, this may include:

  • Identity and contact details: name, date of birth, address, phone, email, and ID documents such as a driver licence or passport

  • Employment and income: pay slips, tax returns, financial statements and business details

  • Assets, liabilities and living expenses

  • Credit information: your credit report, repayment history, existing loans and any defaults

  • Details of the property, asset or purpose the loan is for

  • Information about co-borrowers, guarantors and dependents

If you give us information about another person, such as a co-borrower, please make sure they know and agree to it.

Sensitive information. We don't ask for sensitive information (such as health details) unless it is relevant to your application, for example a hardship request. We only collect it with your consent.

If you don't provide information. You can contact us without identifying yourself for general enquiries. If you don't give us the information we need, we may not be able to help you apply for credit.

How we collect it

Most information comes straight from you: through our website enquiry form, by email or phone, in meetings, and in the documents you send us.

With your consent, we may also collect information from:

  • Credit reporting bodies

  • Lenders, including your current lender

  • Your accountant, employer, solicitor, conveyancer or real estate agent

  • People who referred you to us

  • Identity verification and document collection services

Why we collect and use it

We use your information to:

  • Understand your goals and assess which loans are in your best interests

  • Prepare and submit applications to lenders on your behalf

  • Verify your identity

  • Manage your loan and our relationship with you after settlement

  • Meet our legal and regulatory obligations, including responsible lending, best interests, anti-money laundering and record keeping

  • Let a referrer know how your application is progressing (never sensitive details)

  • Send you updates that may be relevant to you, which you can opt out of at any time

Who we share it with

We only share your information for the purposes above. This may include:

  • Our credit licensee, Broker ACL Pty Ltd, our aggregator and loan-management platforms, for compliance, audit and loan processing

  • Lenders and lenders mortgage insurers you apply to

  • Credit reporting bodies, with your consent

  • Valuers, solicitors, conveyancers and settlement agents

  • Our service providers, such as CRM, document storage, email and website hosting, who are bound by confidentiality

  • Anyone you authorise us to deal with, such as your accountant

  • Government agencies, regulators and courts where the law requires it

​We do not sell your personal information.

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Overseas. Some of our technology providers, including our website platform (Wix), Google Analytics, Meta, and our email and cloud storage services, may store or process data outside Australia, including in the United States, Canada, India and the Philippines. Where we use overseas providers, we take reasonable steps to make sure they handle your information in line with the Australian Privacy Principles.

Credit reporting, marketing, website and security

Credit reports. With your consent, we may obtain your credit report from a credit reporting body (such as Equifax, Experian or illion) to assess your borrowing options. You can ask these bodies for a free copy of your own report, and ask them not to use your information for pre-screening.

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Marketing. We may send you information about our services, rate changes or loan reviews. You can unsubscribe at any time using the link in our emails or by contacting us.

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Our website. When you visit our site, we and our providers automatically collect technical data such as your IP address, device and browser type, pages viewed, and how you arrived. When you submit our enquiry form, we receive the details you enter.

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Cookies and analytics. We use cookies to keep the site working and to understand how it is used. We use Google Analytics to measure visits, popular pages, traffic sources and general location and device information. This is reported to us in aggregate and we don't use it to identify you. You can opt out with the Google Analytics opt-out browser add-on and read how Google uses this data in its privacy policy.

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Meta Pixel. We use the Meta Pixel to measure the results of our Facebook and Instagram advertising and to show our ads to people who have visited our site. The pixel records actions such as page visits and form submissions and shares this with Meta, which may link it to your Facebook or Instagram account under Meta's own privacy policy. We never send your loan or financial details to Meta. You can manage ad preferences in your Facebook or Instagram settings.

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Managing cookies. You can block or delete cookies in your browser settings. Some parts of the site may not work properly if you do.

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Security. We store information electronically with access controls and two-factor authentication, and with providers that use industry-standard security. When we no longer need your information and are not legally required to keep it, we destroy or de-identify it. No internet transmission is completely secure, so please take care when sending documents by email.

Access, correction and complaints

Access and correction. You can ask for a copy of the personal information we hold about you, or ask us to correct it. We'll respond within 30 days and may need to verify your identity first. If we can't give you access or don't agree to a correction, we'll explain why in writing.

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Complaints. If you're unhappy with how we've handled your information, contact us first and we'll aim to resolve it within 30 days (see our Complaints process). If you're not satisfied with our response, you can contact:

  • Australian Financial Complaints Authority (AFCA): 1800 931 678, www.afca.org.au, info@afca.org.au, GPO Box 3, Melbourne VIC 3001. Time limits may apply, so act promptly.

  • Office of the Australian Information Commissioner (OAIC): 1300 363 992, www.oaic.gov.au

Website terms

This website is operated by HDGS.AVE Pty Ltd (ACN 702 652 971). By using it, you agree to these terms.


General information. Content on this site, including calculators and FAQs, is general information only and doesn’t take into account your objectives, financial situation or needs. It isn’t a quote, pre-approval or offer of credit. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Approved applicants only.


Accuracy. We take care to keep information current, but rates, lender policies, government schemes and laws change. Please confirm details with us before relying on them.


Other websites. Links to other sites are for convenience. We don’t control their content.


Intellectual property. The content, images, design, name and logo on this site belong to us or our licensors and can’t be reused without permission.


Liability. To the extent permitted by law, we aren’t liable for loss arising from use of this website. Nothing here excludes your rights under the Australian Consumer Law.

Contact us

HDGS.AVE Pty Ltd · ACN 702 652 971 · AFCA member 125561

Email: hello@hdgsave.com.au

Phone: 0423 118 958

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