Privacy Policy
CQ Lending Services respects your privacy and is committed to protecting the personal information you provide to us in accordance with the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth). This Privacy Policy explains how we collect, use, disclose and protect your personal information when you interact with us, including when you visit our website or engage our services. By using our website or providing personal information to us, you consent to the collection, use and disclosure of your personal information in accordance with this Privacy Policy.
Who We Are
CQ Taxation Services Pty Ltd t/as CQ Lending Services (ABN 38162354716)
Suite 2, 72 Goondoon Street
Gladstone QLD 4680
When we refer to “we”, “our” or “us”, we mean CQ Lending Services.
When we refer to “you” or “your”, we mean visitors to our website and clients who seek lending or finance assistance from us.
What is Personal Information
Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable.
The types of personal information we may collect include:
- Name, address and contact details
- Date of birth
- Identification documents
- Employment and income details
- Assets, liabilities and expenses
- Bank account details
- Credit history and credit reports
- Property information
- Information relating to financial circumstances
Some of this information may be considered sensitive financial information, which we handle with strict confidentiality.
Why We Collect Your Information
We collect personal information that is reasonably necessary to provide mortgage broking and credit assistance services.
Your personal information may be used to:
- Assess your eligibility for finance
- Prepare and submit loan applications
- Communicate with lenders and financial institutions
- Verify your identity
- Obtain credit reports where authorised
- Provide advice and assistance regarding lending options
- Manage ongoing client relationships
- Meet legal and regulatory obligations
- Improve our services and website functionality
If you do not provide the information requested, we may be unable to properly assist you with your lending needs.
How We Collect Your Information
We collect personal information directly from you through:
- Meetings and conversations
- Email and telephone communications
- Online forms or website enquiries
- Fact find or application forms
- Documents you provide to support finance applications
In some cases, we may collect information from third parties with your consent, including:
- Credit reporting bodies
- Financial institutions
- Lenders
- Mortgage insurers
- Accountants or solicitors
- Government agencies
Credit Reporting Information
As part of assisting you with finance applications, we may obtain your credit report from a credit reporting body. Credit reporting bodies may include organisations such as Equifax, Illion or Experian. These organisations collect and hold credit-related information about individuals and may provide that information to lenders and other authorised parties to assess credit applications.
You have the right to request access to information held about you by these credit reporting bodies.
Disclosure of Personal Information
We will not sell or trade your personal information.
However, we may disclose your information where necessary to provide our services, including to:
- Banks and lenders
- Mortgage insurers
- Credit reporting bodies
- Our aggregator Connective Broker Services Pty Ltd
- Software providers used in managing loan applications
- Professional advisers assisting with your application
- Government agencies or regulators where required by law
We will only disclose information that is reasonably necessary for the purpose of providing our services.
Disclosure to Aggregator
CQ Lending Services operates under the mortgage broking aggregator Connective Broker Services Pty Ltd.
As part of the loan application process, your personal information may be disclosed to Connective and its authorised systems to assist with:
- Loan processing
- Lender submissions
- Compliance monitoring
- Commission administration
Connective is bound by the Privacy Act 1988 (Cth) and maintains its own Privacy Policy governing how personal information is handled.
Security of Your Information
We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification or disclosure.
These steps include:
- Secure cloud-based systems
- Restricted staff access
- Secure document storage
- Use of trusted professional software providers
All staff and contractors are required to maintain strict confidentiality.
Cookies and Website Analytics
Our website may use cookies and analytics tools to help improve website functionality and understand how visitors interact with our website.
Cookies may collect information such as:
- Pages visited
- Website traffic patterns
- Time spent on the website
You can adjust your browser settings to refuse cookies if you prefer.
Access to Your Personal Information
You may request access to the personal information we hold about you.
If the information we hold is inaccurate, incomplete or outdated, you may request that it be corrected. Requests can be made by contacting us using the details below.
Data Retention
We retain records in accordance with regulatory requirements applicable to mortgage brokers, generally for a minimum of seven years. After this time, records may be securely destroyed where appropriate.
Complaints
If you do have a complaint, please let us know by email, because if we don’t know about it we can’t fix it. You may also contact us by email addressed to; Allison Totorica at CQ Lending Services Suite 2/72 Goondoon Street Gladstone QLD 4680 or info@cqlending.com.au, please make sure you include as much information as you can.
You should explain the details of your complaint as clearly as you can. Ideally, this should be in writing, however you can lodge your complaint via telephone, in person or online. When we receive a complaint, we will investigate and attempt to resolve it within a reasonable timeframe.
Contact Us
CQ Lending Services
Address: Suite 2, 72 Goondoon Street, Gladstone QLD 4680
Phone: 0401995656
Email: info@cqlending.com.au
Changes to this Privacy Policy
We may update this Privacy Policy from time to time. The latest version will always be available on our website.
Last updated: March 2026