Privacy Policy

Defence Lending · LW Financial Pty Ltd

Defence Lending is the trading name of LW Financial Pty Ltd (ABN 40 678 347 012), Australian Credit Representative 560242, operating as part of MortgageWorks — NGA Financial Pty Ltd (ACN 645 767 184) — which is a credit representative of Connective Credit Services Pty Ltd (ACN 143 651 496), Australian Credit Licence 389328.

Your personal information is handled under the MortgageWorks group privacy policy, which applies to NGA Financial, its related entities, employees, contractors and the brokers who assist you. That policy is the governing document and is available here:

The summary below explains what happens specifically on this website. Where anything here differs from the group policy, the group policy applies.

What this site collects

• Information you give us. Your name, email address and mobile number, along with the answers you provide in the Defence Investor Score, Defence Rate Assessment, Borrowing Power Calculator or Debt Consolidation forms — including details about your service status, income, property, equity and existing debts.
• Information collected automatically. Your IP address, device and browser type, the pages you view, and how you arrived at the site. This includes advertising identifiers such as campaign tags, Meta click IDs and Google click IDs where present in the link you followed.
• Cookies and similar technologies. Used to measure how the site performs and how our advertising works. You can refuse or delete cookies in your browser, though some parts of the site may not work as intended.

Why we collect it

• To assess your position and whether you may qualify for finance, and to help find a suitable loan.
• To contact you about the enquiry you made and provide the information you asked for.
• To send you information about our services, where you have opted in. You can opt out at any time.
• To measure and improve our website and our advertising.
• To meet our legal and regulatory obligations.

If you choose not to provide the information requested, we may not be able to assess your position or assist you.

Who it may be shared with

• MortgageWorks and brokers within the group, to progress your enquiry.
• Lenders on our approved panel, and aggregation and lodgement systems.
• Service providers who support our website, forms, email and analytics.
• Advertising platforms, for measurement of our campaigns.
• Any person you authorise, and government or regulatory bodies where required by law.

MortgageWorks uses service providers based in the Philippines and Nepal to assist with processing applications and post-settlement loan maintenance. Offshore personnel are not used for marketing or sales.

Access, correction and opting out

You can ask for a copy of the personal information we hold about you, ask us to correct it, or ask to be removed from our contact lists. Requests are generally actioned within 30 days. We may need to verify your identity first.

Complaints

If you have a concern about how your personal information has been handled, contact us first using the details below. If you are not satisfied with the response, you can contact:

Contact

We may update this page from time to time. Personal information is handled in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.