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Last updated: 1 June 2021
The Blackk Group

This document sets out the basis on which we will provide the services to you, your obligations to us and the facts on which we both rely upon to enter into this agreement.

By applying for a loan through us you agree that you have read and agree to be bound by the terms and conditions listed below.

Services offered

We act as Mortgage Brokers on behalf of lenders, predominantly for home loan or mortgage products. We will provide you with information regarding the type and availability of credit contracts, finance products and loans.

We will also assist you in the application for finance by arranging offers to be made to you by lenders.

We do not advise you on the legal or financial implications of entering into credit arrangements or particular finance products.

Our panel of lenders

We have entered into arrangements with the lenders which allow us to obtain credit for you from these lenders subject to you meeting the lenders credit criteria. The lenders with which we have arrangements do not necessarily represent all the lenders who offer credit of the nature that you seek.

We can consider entering into agreements with lenders that are not part of our standard panel providing they deal with brokers and consent to our accreditation.

Fees payable by you

In most instances, no fees are payable by you to us for most loan types. We are paid by the lender for doing the work that would otherwise be completed by a mobile lender or bank manager.

For some types of loans that are complex, short term loans or loans where we will not earn industry standard commissions or have our commissions clawed back by the lender then we may charge you a brokerage fee.

In all cases, any fees charged by us will be disclosed to you up front.

Compliments & complaints

Please address all feedback to our:

Victor Kalinowski

Blackk Finance- PO Box 275, West Burleigh QLD, 4101


Alternatively, you can email feedback or complaints to [email protected]

We endeavour to handle your feedback in house. 

In the event that a complaint you lodge with us is unable to be resolved you may refer your complaint to the Australian Financial Complaints Authority, who are our appointed External Dispute Resolution scheme.

You may contact them only after you have been unsuccessful in coming to an agreement to us regarding your complaint. Their contact details are:

Australian Financial Complaints Authority (AFCA)

GPO Box 3
Melbourne, VIC 3001
Tel: 1300 56 55 62
Fax: (03) 9613 6399

How will my complaint be handled?

One of team will record the complaint on our register, investigate the complaint by discussing the matter with our staff, and then call the customer to further clarify their complaint.

Once sufficient information has been gathered, a decision is made on what action to take and, if necessary, compensation may be paid to the customer.

Once action has been taken, our Director /Owner will analyse the cause of the complaint and discuss any required changes to our systems / procedures with the team.

The register is then updated with the outcome and the complaint file is closed.

Information on this website

Please read these Terms and Conditions (“Terms”, “Terms and Conditions”) carefully before using the www.blackk.com.au website (the “Service”) operated by The Blackk Group (“us”, “we”, or “our”).

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service. You warrant that you are at least 18-years-old and you are legally capable of entering into binding contracts. If you are under 18-years-old, you warrant that you have obtained consent from your parent or guardian and they agree to be bound by these Terms on your behalf.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

Intellectual Property

The Service and its original content, features and functionality are and will remain the exclusive property of The Blackk Group and its licensors. The Service is protected by copyright, trademark, and other laws of both the Australia and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of The Blackk Group. Nothing in these Terms constitutes a transfer of any Intellectual Property rights from us to you.

Links To Other Web Sites

Our Service may contain links to third-party web sites or services that are not owned or controlled by The Blackk Group.

The Blackk Group has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that The Blackk Group shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

We only provide links to external websites as a convenience, and the inclusion of such a link to external websites do not imply our endorsement of those websites. You acknowledge and agree that when you access other websites on the Internet, you do so at your own risk.

We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.


As a condition of your access to and use of the Service, you agree to indemnify us and our successors and assigns for all damages, costs, expenses and other liabilities, including but not limited to legal fees and expenses, relating to any claim arising out of or related to your access to and use of the Servuce or your breach of these Terms and any applicable law or the rights of another person or party.

This indemnification section survives the expiration of your registration, and applies to claims arising both before and after the registration ends.

Limitation Of Liability

You agree that we shall not be liable for any damages suffered as a result of using the Service.

In no event shall we be liable for any indirect, punitive, special, incidental or consequential damage (including loss of business, revenue, profits, use, privacy, data, goodwill or other economic advantage) however it arises, whether for breach of contract or in tort, even if it has been previously advised of the possibility of such damage.

You have sole responsibility for adequate security protection and backup of data and/or equipment used in connection with your usage of the Service and will not make a claim against for lost data, re-run time, inaccurate instruction, work delays or lost profits resulting from the use of the Service.

Without limiting the foregoing, in no event will our aggregate liability to you exceed, in total, the amounts paid by you to us.


Your use of the Service is at your sole risk. The Service is provided on an “AS IS” and “AS AVAILABLE” basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.

The Blackk Group its subsidiaries, affiliates, and its licensors do not warrant that a) the Service will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components; or d) the results of using the Service will meet your requirements.

This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft, or destruction or unauthorized access or, alteration of or use of record in connection with the use or operation of the Service, whether for breach of contract, tortious behaviour, negligence or any other cause of action.

We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the content contained on the Service for any purpose. Any reliance you place on such information is therefore strictly at your own risk. We disclaim any express or implied warranty representation or guarantee as to the effectiveness or profitability of the Service or that the operation of our Service will be uninterrupted or error-free. We are not liable for the consequences of any interruptions or error in the Service.


Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential or incidental damages, so the limitations above may not apply to you.

Governing Law

These Terms shall be governed and construed in accordance with the laws of Queensland, Australia, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.


We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 15 days notice prior to any new terms taking effect.

It is your sole responsibility to periodically check these Terms for any changes. If you do not agree with any of the changes to these Terms, it is your sole responsibility to stop using the Service. Your continued use of the Service will be deemed as your acceptance thereof.

Contact Us

If you have any questions about these Terms, please contact us at [email protected].