Last updated: 12 November 2026

Kings’ Lending is an authorised credit representative (Credit Representative Number 571465) of Connective Credit Services Pty Ltd (ABN 51 143 651 496, Australian Credit Licence 389328). We are committed to protecting your privacy in line with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. This policy explains how we collect, use, hold and share your personal information. In this policy, “we”, “us” and “our” means Kings’ Lending and includes our aggregator, Connective Broker Services Pty Ltd, and its related companies (“Connective”).

What information we collect

When we help you with finance, we may collect:

  • your name, address, phone number, email address and date of birth;
  • identification documents, such as a driver’s licence or passport;
  • employment details, income, expenses, assets and liabilities;
  • credit information, including credit reports obtained through lenders;
  • information about other people involved in your application, such as co-borrowers or guarantors; and
  • sensitive information, such as health information, or information about any vulnerability you tell us about, but only where it is relevant and you have given us your consent.

How we collect your information

We collect most information directly from you: in person, by phone, by email, or through the enquiry forms on this website. With your consent, we may also collect information from third parties such as lenders, credit reporting bodies (through lenders), your employer, your accountant or a person who referred you to us.

How we use your information

We use your information to:

  • understand your needs and objectives and assess which loans may suit you;
  • prepare and submit loan applications on your behalf and manage them through to settlement;
  • source any insurance you ask for;
  • manage our ongoing relationship with you, including reviews, invoicing and client surveys;
  • meet our legal obligations, including under consumer credit and anti-money laundering laws; and
  • improve our services and resolve any problems.

If you do not provide information

If you do not give us the information we ask for, we may not be able to properly assess your needs, recommend a suitable loan or submit your application.

Who we share your information with

We do not sell, trade or rent your personal information. We only share it where it is needed to help you, or where the law allows or requires it. This may include:

  • the lenders and credit providers you choose to apply with, and their representatives;
  • our credit licensee, Connective Credit Services Pty Ltd, and our aggregator, Connective Broker Services Pty Ltd, for administration, supervision and compliance;
  • insurers, valuers, lenders’ mortgage insurers and other parties involved in your application;
  • service providers who support our business, such as IT, document storage and mail services, under confidentiality obligations;
  • a guarantor or prospective guarantor, where relevant;
  • another organisation in the event of a sale, merger or restructure of our business; and
  • government bodies, regulators or courts where we are required to by law.

Overseas disclosure

Some of the service providers we or our licensee use may be located overseas. It is not practical to list every country, but they are likely to include the Philippines, India and Nepal. We take reasonable steps to make sure these providers protect your information in line with Australian privacy law.

Credit reporting

We do not report information to credit reporting bodies. A lender we submit your application to may collect information about you from, and disclose information to, credit reporting bodies. Each lender’s privacy or credit reporting policy explains which bodies it uses and your rights, including your right to access and correct credit information and to ask a credit reporting body not to use your information for direct marketing pre-screening.

Direct marketing

From time to time we may send you updates, offers, newsletters or information we think will interest you, by email, SMS or post. You can opt out at any time by using the unsubscribe link or by contacting us, and we will stop.

Our website

When you submit an enquiry form on this website, we use the details you provide to respond to your enquiry. Our website may use cookies and similar technologies to help it work properly and to understand how visitors use it. You can set your browser to refuse cookies, although some parts of the site may not work as intended.

How we hold and protect your information

We hold information in secure electronic systems and, where needed, in paper files. We take reasonable steps to protect it from misuse, interference, loss and unauthorised access, modification or disclosure, including password protection and restricting access to people who need it. We keep information only for as long as we need it or as the law requires (consumer credit laws generally require records to be kept for at least 7 years), and then securely destroy or de-identify it.

Accessing and correcting your information

You can ask to see the personal information we hold about you, or ask us to correct it if it is inaccurate, out of date or incomplete. Please contact our Privacy Officer using the details below. There is no charge to make a request or to correct your information. If a reasonable fee applies to providing access, we will tell you before we proceed.

Your consent

By asking us to help with your credit needs, you consent to us collecting, using and sharing your information as described in this policy. You will also be given a Privacy Disclosure Statement and Consent when we provide credit assistance to you.

Complaints

If you have a concern about how we have handled your personal information, please contact us first so we can try to fix it:

If we cannot resolve your complaint, you can contact our credit licensee:

If your complaint is still not resolved, or you have not received a response within 30 days, you can contact the Australian Financial Complaints Authority (AFCA):

  • Phone: 1800 931 678 (free call)
  • Email: info@afca.org.au
  • Website: www.afca.org.au
  • Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

You can also contact the Office of the Australian Information Commissioner (OAIC) on 1300 363 992 or at www.oaic.gov.au.

Contact our Privacy Officer

Changes to this policy

We may update this policy from time to time. The current version will always be available on this page.