Privacy Policy

KM Capital & Advisory Group P/L (trading as KM Lending Advisory) ABN 81682322265 (“we”, “us”, “our”) is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and manage your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

As an Authorised Credit Representative (ACR 569878) under AFG's Australian Credit Licence (ACL 389087), we are required to collect and handle personal information to provide our financial services.

We collect personal information that is reasonably necessary for our business activities, including:

• Name, contact details, and identification information
• Financial information, income, and employment details
• Property and asset information for loan applications
• Credit history and financial position
• Communication records and preferences

We collect this information directly from you, from third parties (with your consent), and from publicly available sources.

We use your personal information to:

• Provide credit assistance and loan broking services
• Assess your eligibility for credit products
• Lodge and manage loan applications with lenders
• Provide ongoing support and loan management
• Comply with legal and regulatory obligations
• Communicate with you about our services

We may disclose your personal information to:

• Lenders and financial institutions for loan applications
• AFG (Australian Finance Group) as our licence holder
• Credit reporting bodies and credit providers
• Professional service providers (lawyers, accountants, valuers)
• Technology service providers who assist with our operations
• Government agencies and regulators (ASIC, AUSTRAC) as required by law
• Other parties with your explicit consent

We do not sell your personal information to third parties for marketing purposes.

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. This includes:

• Secure electronic systems and data encryption
• Physical security measures for paper records
• Staff training on privacy and data protection
• Regular security audits and updates
• Access controls and authentication procedures

You have the right to:

• Request access to your personal information
• Request correction of inaccurate information
• Request deletion of your personal information (subject to legal requirements)
• Opt out of marketing communications

To exercise these rights, please contact us using the details below. We will respond to your request within 30 days.

If you believe we have breached the Privacy Act or this Privacy Policy, you may make a complaint to us. We will investigate your complaint and respond within 30 days.

If you are not satisfied with our response, you may also complain to the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on our website and updating the “Last Updated” date.

Your continued use of our services after any changes constitutes acceptance of the updated Privacy Policy.

If you have any questions about this Privacy Policy or our privacy practices, please contact us: