Complaints

Feedback about K&M's platform or service

If you have feedback or a complaint about the K&M Capital platform itself — including how your enquiry was handled, your experience using the website, or any communication from our team — please contact us directly. We will acknowledge your complaint within 2 business days and aim to resolve it within 30 days.

Concerns about broker conduct or advice

If you have a concern about the conduct or advice of a broker you were matched with through K&M Capital, you are welcome to share that with us. We use this information for internal broker evaluation and quality management. K&M Capital does not act as the formal complaint handler for broker conduct — formal resolution sits with the broker directly, their aggregator, or the relevant external scheme.

To share a concern about a broker, use the contact details above.

Formal complaints — credit-related matters

For formal complaints about credit assistance, broker advice, or lending conduct, the resolution pathway depends on who provided the service:

1. The broker directly — raise your complaint with the credit representative or ACL holder who assisted you.
2. Their aggregator — if the broker is part of an aggregator group, the aggregator has its own complaints process.
3. AFCA — if your complaint is not resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA), the independent external dispute resolution scheme for financial services.
4. ASIC — you can also report misconduct to the Australian Securities and Investments Commission.