Legal

Website Terms & Conditions

Effective August 2026

This website is operated by Simran Sharma, trading as Kaizen Home Loans (ABN 88 304 932 895), and any related bodies corporate ("we", "us", "our"). The site includes forms, questionnaires and booking tools that let you get in touch, share information about your situation, and arrange a time to talk with us. We're committed to protecting your privacy, and this policy explains how your personal information is treated as you use this site. It may be updated from time to time.

Collection and use of information

We may collect personal information from you directly, or through your use of this site. We only collect what's reasonably necessary for, or directly related to, what we do.

Sensitive information

We won't ask you to disclose sensitive information — such as racial or ethnic origin, political or religious views, union or association membership, sexual orientation, criminal record, or health information. If you choose to provide it anyway, it will be stored the same way as any other information you give us.

Links to other websites

This site may contain links to third-party websites. If you follow one of those links and that third party collects information about you, we may also receive or have access to that information as part of our arrangement with them. Where you reach a third-party site through ours, some information — such as cookie data or stated preferences — may be shared between us.

Advertising and tracking

If you see our advertising on another website, the advertiser may use cookies or similar technology to gather technical details such as your browser type, the date and time of your visit, and how their campaign is performing. If you go on to visit our site afterwards, they may also track which pages you view and whether you complete an enquiry.

Cookies

We use cookies to make this site work better for you. A cookie is a small file your browser stores on our behalf, which we can read on a later visit. We use them to recognise your browser, personalise your experience, gather usage statistics, tell whether you've arrived via a third-party site, and help keep the site secure. You can control cookies through your own browser settings.

IP addresses

We may collect your IP address — the identifier for your device online — as part of how you interact with different parts of this site.

Enquiries and forms

When you submit a form or enquiry through this site, we retain the information you've provided so we can respond to you and, where relevant, help arrange finance on your behalf. Where an application or enquiry is started but not completed in one sitting, the information you've entered is retained in our systems so you can pick up where you left off. Applications that have been paused partway through remain visible to us.

Security of information

We take the security of your information seriously and regularly review how we protect it. That said, no data sent over the internet can ever be guaranteed completely secure. We take reasonable steps to protect information in our systems from misuse, interference, loss, and unauthorised access, modification or disclosure. If we no longer need your information and the law permits it, we'll take reasonable steps to destroy or de-identify it. If your browser supports it, it will indicate whether your connection to this site is encrypted.

Direct marketing

We won't use or disclose sensitive information for direct marketing purposes without your consent. We may use your general personal information for direct marketing. If you'd rather not receive marketing communications from us, or want to know the source of information being used, contact us at enquiries@kaizenhomeloans.com.au and we'll act on your request as soon as practicable.

Disclosure to overseas entities

We don't generally disclose information collected through cookies to overseas entities as part of our normal operations.