Privacy Policy
K&M Solutions and Services Pty Ltd — ACN 649 305 126 | ABN 99 649 305 126
Last updated: May 2026
1. Who we are
K&M Capital is a lending support and referral platform operated by K&M Solutions and Services Pty Ltd, a company registered in New South Wales, Australia. We do not hold an Australian Credit Licence. Where credit assistance is required, it is provided by our licensed broker partners and referral partners.
Contact: info@kmcapital.com.au | 0451 265 923 | Unit 1, 14 Regent Street, Bexley NSW 2207
2. What personal information we collect
We may collect the following categories of personal information:
- Contact details: name, email address, phone number, address
- Financial information: income, employment, expenses, existing debts
- Identification documents: driver's licence, passport details
- Lending enquiry details: loan type, purpose, amount, property information
- Usage data: how you interact with our website and platform
We collect this information directly from you when you submit an enquiry, create an account, use the platform or contact us.
3. How we use your information (APP 6)
We use your personal information to:
- Assess and respond to your lending enquiry
- Manage your application pathway and progress
- Contact you about your enquiry or application
- Connect you with brokers, lenders, service providers or referral partners
- Comply with our legal and regulatory obligations
- Improve our platform and services
We will not use your personal information for purposes unrelated to your lending enquiry without your consent.
4. Disclosure to third parties (APP 6)
We may disclose your personal information to:
- Licensed brokers, lenders and credit representatives involved in your enquiry
- Settlement agents, valuers and service providers
- Our technology and platform providers (under confidentiality obligations)
- Regulators and law enforcement where required by law
We do not sell your personal information to third parties.
5. Overseas disclosure (APP 8)
Some of our technology service providers may store or process data overseas (including in the United States via Supabase and Vercel). Where this occurs, we take reasonable steps to ensure those providers handle your information in a manner consistent with the Australian Privacy Principles. By using our platform, you acknowledge this possibility.
6. Data security (APP 11)
We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification or disclosure. This includes encrypted storage, access controls and secure transmission protocols. If you suspect your information has been compromised, contact us immediately.
7. How long we retain your information
We retain your personal information for as long as necessary to provide our services and comply with legal obligations — generally up to 7 years after the conclusion of your engagement with us. You may request deletion of your information subject to our legal retention obligations.
8. Your rights — access and correction (APP 12 & 13)
You have the right to:
- Access the personal information we hold about you
- Correct inaccurate, incomplete or out-of-date information
- Request deletion of your information (subject to legal obligations)
- Withdraw consent to marketing communications at any time
To exercise these rights, contact us at info@kmcapital.com.au. We will respond within 30 days.
9. Cookies and tracking
Our website may use cookies and similar technologies to improve functionality and analyse usage. You can control cookie settings through your browser. Disabling cookies may affect the functionality of some parts of our platform.
10. Complaints (APP 1)
If you believe we have mishandled your personal information, please contact us at info@kmcapital.com.au. We will investigate and respond within 30 days. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC).
11. Changes to this policy
We may update this Privacy Policy from time to time. The current version will always be available on this page. Material changes will be communicated to registered users by email.