HELIO®

Legal

Privacy policy

Effective 4 October 2026

This policy explains how Helio handles personal information when you use our website, heliolending.com, and the Helio Wallet app on your phone or on the web at app.heliolending.com. Helio is made up of two companies ("Helio", "we", "us"):

  • Helio Lending Pty Ltd (ABN 24 626 131 440 · Australian Credit Licence 566090), Suite 5, 606 St Kilda Road, Melbourne, Victoria 3000, Australia, our Australian company; and
  • Helio Lending LLC, 11715 Fox Rd, Indianapolis, IN 46236, USA, our United States company.

Both companies are responsible for the personal information described in this policy and share it with each other only to provide the Services. We handle personal information in line with the Australian Privacy Act 1988 and the Australian Privacy Principles, applicable United States federal and state privacy laws, and other privacy laws that apply to you.

1. What we never collect

We never collect or store your wallet's recovery phrase or private keys. Nobody from Helio will ever ask for them. If someone does, it's a scam.

2. What we collect

  • Identity information when you verify your account: your name, date of birth, address, government ID documents, and similar details needed for identity checks.
  • Contact information: your email address and phone number.
  • Loan and payment information: your loan applications and agreements, collateral and repayment records, and the bank account or wallet address you choose for payouts.
  • Transaction information: deposits, withdrawals, purchases, swaps, staking and loan-related transfers made through the app, and public wallet addresses linked to your account.
  • Business information if you apply for business credit: company details, owners and directors, and business documents.
  • Device and usage information from the app, such as device type, operating system, IP address and app activity, used for security and fraud prevention.
  • Messages you send us by email or through support.

3. Our website

Our website has a contact form and a loan quote form. What you enter is emailed to our team through our email delivery provider, Resend, and used only to answer your request. The forms use Cloudflare Turnstile to block spam, which checks limited information about your browser and device. The website does not set cookies and does not use analytics or advertising trackers. Its fonts are loaded from Google Fonts, so your browser shares its IP address with Google when you visit. The website is hosted by Cloudflare, which keeps standard server logs, such as IP address and pages requested, for security.

4. How we use your information

  • To open and run your account and provide the wallet, swaps and loans
  • To verify your identity and meet anti-money-laundering, counter-terrorism financing and sanctions laws
  • To assess, make and service loans, including holding and returning collateral
  • To prevent fraud and protect the security of our Services
  • To answer your questions and send you important notices about your account
  • To send you product news, only where the law allows. You can opt out at any time.

5. Who we share it with

We don't sell your personal information. We share it only when needed:

  • Identity verification providers that check your identity documents for us
  • Payment providers for crypto purchases (such as MoonPay and Stripe, through our partner Onramper), when you choose to buy crypto: the coin, amount, currency and your Helio deposit address. The provider collects your payment and identity details directly, under its own privacy policy.
  • Exchange services for swaps (ChangeNOW, Exolix and Trocador): the coins, amounts and receiving addresses needed to carry out your swap. They may ask us for more information for their own compliance checks.
  • Blockchain networks. Deposits, withdrawals and staking are recorded on public blockchains, where addresses and amounts can be seen by anyone. This isn't something we can change or delete.
  • SALT Lending, if you ask us to submit a loan application to SALT through our partner program
  • Banks and payment providers, to send loan payouts and receive repayments
  • Each other: Helio Lending Pty Ltd and Helio Lending LLC share information between them to run your account and the Services
  • Service providers that host, secure or support our Services, bound to protect your information
  • Regulators, law enforcement and courts, when the law requires it
  • A buyer or successor, if our business is sold or merged, under the same protections

6. Overseas transfers

We are based in Australia and operate in the United States through Helio Lending LLC. Your information may be stored or processed in Australia, the United States, and other countries where our service providers operate. We take reasonable steps to make sure it is protected wherever it is held.

7. How long we keep it

We keep your information while your account is open and for as long as the law requires afterwards. Identity and transaction records are generally kept for at least 7 years after your relationship with us ends, as anti-money-laundering laws require.

8. Security

We protect your information with technical, physical and organisational safeguards, including encryption and restricted access. No system is completely secure, so please protect your devices and never share your recovery phrase.

9. Your rights

You can ask to access the personal information we hold about you, and ask us to correct it. Depending on where you live, you may have other rights, such as asking us to delete information we're not required to keep. Email [email protected] with "Privacy request" in the subject line. We may need to verify your identity first.

10. Complaints

If you have a privacy concern, contact us first and we'll respond within 30 days. If you're not satisfied, you can complain to the Office of the Australian Information Commissioner (oaic.gov.au), or to the privacy regulator where you live.

11. Changes to this policy

We may update this policy. The latest version is always on this page, with its effective date at the top.

12. Contact

Australia: Helio Lending Pty Ltd, Suite 5, 606 St Kilda Road, Melbourne, Victoria 3000, Australia.
United States: Helio Lending LLC, 11715 Fox Rd, Indianapolis, IN 46236, USA.
Email: [email protected].