Terms and Conditions

This website is owned and operated by Blackrock Leasing Pty Ltd trading as millarX (ACN 681 267 818, Australian Credit Licence No. 569484). By accessing or using this website, you agree to be bound by these Terms and Conditions and our Privacy Policy.

• All content is for general information only and does not take into account your objectives, financial situation, or needs.
• Information provided does not constitute a formal quote or an offer of finance. All finance approvals are subject to assessment and the terms of individual credit providers.
• You should seek independent financial, taxation, and legal advice before relying on any information.

We use proprietary digital systems including mxDriveIQ to facilitate our novated leasing services. By using our services, you agree that:

• Your information may be processed through our digital platforms for quote generation, application processing, and lease management.
• Automated calculations and estimates are indicative only and subject to verification and credit assessment.
• You will receive communications via email and SMS regarding your application status and lease management.
• Data is stored securely and handled in accordance with our Privacy Policy.
• System access may be provided for you to track your application and manage your lease online.

The calculators and estimates provided on this website are for illustrative purposes only. They are based on:

• The information you provide
• Standard assumptions about interest rates, fees, and running costs
• Current market conditions at the time of calculation

Actual lease terms, rates, and costs may vary based on:

• Your individual circumstances and credit assessment
• Your employer's salary packaging arrangements
• Current lender rates, policies, and approval criteria
• Vehicle availability and pricing

Advertised rates are the best available across our lender panel and are subject to credit assessment. Our panel lenders have different requirements; we place each applicant with the most appropriate lender for their circumstances, and rates vary by up to 0.70% p.a. across the panel.

The information provided by millarX does not constitute financial, tax, or legal advice. We are a credit assistance provider, not a financial adviser. We recommend that you seek independent financial advice before entering into a novated lease and consult with a tax professional regarding your specific circumstances.

• While we take reasonable care to keep information accurate and current, we make no warranty that material on this site is free from error.
• We may change or update content at any time without notice.
• Interest rates, fees, and product features are subject to change by our lending partners.

• Unless otherwise stated, all content on this website is owned by Blackrock Leasing Pty Ltd.
• You must not copy, reproduce, or distribute content without written permission.
• Our calculators, systems, and methodologies are proprietary and may not be replicated.

• To the maximum extent permitted by law, millarX is not liable for any loss, cost, or damage arising directly or indirectly from your use of this site or reliance on its contents.
• We are not liable for decisions made based on calculator estimates or indicative quotes.
• Nothing in these Terms limits liability where it would be unlawful to do so (e.g. for fraud, death, or personal injury caused by negligence).

Our Privacy Policy explains how we collect, use, and protect your personal information including credit information. By using this site, you consent to the handling of your information in accordance with that policy.

We are committed to dealing with complaints genuinely, efficiently, and effectively. If you have a concern, please contact us at enquiries@millarx.com.au or on 1800 498 500.

We will acknowledge complaints promptly and aim to resolve them within 30 days (or 21 days for hardship/postponement of enforcement complaints).

If you are not satisfied with the outcome, you may refer your complaint to the Australian Financial Complaints Authority (AFCA) | Phone: 1800 931 678 (free call)

These Terms are governed by the laws of Victoria, Australia. By using this site you submit to the jurisdiction of the courts of Victoria.

Blackrock Leasing Pty Ltd (trading as millarX) ABN 15 681 267 818 holds Australian Credit Licence No. 569484. Our Responsible Manager is Benjamin John Millar.