Finstro Website, Web Portals & Mobile App – Terms of Use
Last updated on 1st November 2025
1. About the Terms of Use
1.1. These website and mobile application terms of use (Terms of Use) govern your use of the Finstro website, Finstro web portals and Finstro mobile applications (the System), which is owned and operated on behalf of Finstro Holdings Pty Ltd ACN 605 121 364 and its related bodies corporate (we, us, our, and Finstro) and form a binding agreement between you (as the user of the System) and Finstro.
1.2. For that reason, these Terms of Use are important, and you should ensure that you read them carefully and contact us with any questions before you use the System via the details at “Contacting Us” below.
1.3. These Terms of Use explain our obligations as a service provider and your obligations as a user of our System, including users on a free trial basis. By using the System, you acknowledge and agree that you have had sufficient chance to read and understand these Terms of Use and you agree to be bound by them. If you do not agree to the Terms of Use, you must not use the System.
1.4. The System provides certain functions and features that may be used in relation to Finstro’s credit and payment products. Where you use the System with our credit and payment products, the terms and conditions that apply to our products (including any fees and charges) will apply in addition to these Terms of Use. If you use the System in connection with any credit we have provided to your business, the credit aspect is governed by the agreement between you and Finstro in relation to that credit instead of these Terms of Use.
1.5. We draw your attention in particular to clauses 6.1, 15, 16 and 17 of these Terms of Use, which explain how we may suspend, terminate or change the System, and how we limit our liability to you.
1.6. We understand that your privacy is important. These Terms of Use contain information about how we may collect and deal with your personal information when you access and interact with the System. For further information on how we deal with your personal information, please refer to our Privacy Policy.
1.7. By creating a Finstro account or commencing an online application, you consent to Finstro sending you direct marketing communications using the contact details provided and contacting you in relation to any incomplete application. For information about how to opt out of Finstro’s direct marketing, see clause 14.
1.8. Acting reasonably, Finstro can change these Terms of Use from time to time by posting the updated Terms of Use on our website. Subject to clause 1.7, the updated Terms of Use will take effect immediately on publication.
1.9. If you are a current user of the System, we will give you reasonable prior notice (not less than 30 days) of any material change to these Terms of Use that may have an adverse impact on you by emailing the email address registered against your Finstro account unless we are required to change these Terms of Use due to a change in law, to maintain the security of the System, or to manage another material and immediate risk. If you do not agree with any change to these Terms of Use, you must cease use of the System.
2. Use of the System
2.1. Subject to your acceptance of the Terms of Use, Finstro grants you a limited, revocable, non-exclusive and non-transferable licence to access and use the System.
2.2. You may access and use the System (including any incidental copying that occurs as part of that use) in the normal manner and may also print one copy of any page within the System for your own personal, non-commercial use.
2.3. You must not add any content to the System:
(a) unless you hold all necessary rights, licences and consents to do so;
(b) that would cause you or us to breach any law, regulation, rule, code or other legal obligation;
(c) that would interfere with the System, including viruses or other malicious code;
(d) that is or could reasonably be considered to be obscene, inappropriate, defamatory, disparaging, indecent, seditious, offensive, pornographic, threatening, abusive, liable to incite racial hatred, discriminatory, blasphemous, in breach of confidence or in breach of privacy;
(e) that would bring us, or the System, into disrepute; or
(f) that infringes the Intellectual Property Rights or other rights of any person.
2.4. You agree that you will not:
(a) resell or otherwise provide access to the System except as expressly authorised by us;
(b) repackage, resell or sublicense any data obtained through the System;
(c) engage in fraudulent or unlawful activities using the System; or
(d) behave in an abusive, disrespectful, or harassing manner.
2.5. The System contains links to other websites as well as content added by people other than us. We do not endorse, sponsor, approve or assume any responsibility for any such user generated content or any content available on any linked website or third party products and services (see “Information and products from third parties” below).
2.6. Subject to clause 15, you acknowledge and agree that:
(a) we retain complete editorial control over the System and may alter, amend or cease the operation of any part of the System at any time on a temporary or permanent basis in our sole discretion; and
(b) the System will not operate on a continuous basis, and may be unavailable from time to time, such as for maintenance purposes.
3. Intellectual Property Rights
3.1. For the purposes of the Terms of Use, intellectual property rights means all industrial and intellectual property rights, both in Australia and throughout the world, and includes any copyright, moral right, patent, registered or unregistered trade mark, trade secret, knowhow, right in relation to semiconductors and circuit layouts, trade or business or company name, indication or source or appellation of origin or other proprietary right, or right of registration of those rights (Intellectual Property Rights).
3.2. Nothing in these Terms of Use constitutes a transfer of any Intellectual Property Rights. You acknowledge and agree that, as between you and us, we own all Intellectual Property Rights in the System.
3.3. By posting or adding any content (including data) onto the System, you grant us a perpetual, non-exclusive, royalty-free, irrevocable, worldwide and transferable licence to use, reproduce, modify, make derivative works from, publish and communicate that content in connection with providing our products and services to you. This licence may be transferred to an entity that acquires all or a substantial part of Finstro’s assets (whether by merger, acquisition, or otherwise).
3.4. You consent to any act or omission which would otherwise constitute an infringement of your moral rights, and if you add any content in which any third party has moral rights, you must also ensure that the third party also consents in the same manner.
3.5. We may create anonymised statistical data based on the information you provide to us and your use of the System for our own purposes, including analysing and improving our products and services and developing new products and services.
3.6. You represent and warrant to us that you have all necessary rights to grant the licences and consents set out in this section of the Terms of Use.
4. Functionality of the System
4.1. The System has the following functions:
(a) The System is a cash management tool which allows you to synchronize with your cloud-based accounting software for cashflow analysis with payment reminders, collection services, automated payments, and customer credit alerts.
(b) The System allows users to apply for and access Finstro’s credit and payment products (subject to separate terms and conditions, fees and charges) through the System.
4.2. Access to the System’s functionality and features may be subject to creating a Finstro account, additional terms and conditions that apply to Finstro’s credit and payment products, and credit check and identity verification requirements.
5. Compatibility and Data Synchronization with other software
5.1. Subject to your cloud-based accounting software being up-to-date and meeting any minimum technical requirements, the System has the ability to synchronize with your cloud-based accounting software to view real-time business intelligence, which you can enable at your discretion.
5.2. Any sales, purchases and cash balance data appearing in the System is a result of the synchronization process between your cloud-based accounting software and the System.
5.3. Your cloud-based accounting software provider is independent of us and your use of such software will be governed by your contract with your cloud-based accounting software provider, not these Terms of Use. We are not responsible for any acts or omissions or any other matter relating to your use of cloud-based accounting software, including any performance or data quality issues or fees your cloud-based accounting software provider may charge you.
5.4. You may discontinue any synchronization between the System and your cloud-based accounting software at any time.
6. Access Conditions
6.1. By using the System, you agree that you are responsible for providing true, accurate and complete information and for verifying that any information you use from our System for your legal, tax, compliance and any other obligations is correct.
6.2. By accessing the System, you warrant that:
(a) you are at least 18 years old;
(b) you are legally capable of entering into binding agreements;
(c) all information provided by you to Finstro is truthful, accurate and complete; and
(d) you will abide by these Terms of Use relating to your use of the System.
6.3. You must ensure that all usernames and passwords required to access the System are kept secure and confidential. You must immediately inform us of any unauthorized access or breach of security in connection with your use of the System or our services, along with taking all reasonable actions to remediate, maintain or enhance the security of your use of he System and our services.
6.4. As a condition of the Terms of Use, when using the System you must:
(a) not attempt to interfere with the operational integrity of the System or overload the system;
(b) not use, or misuse, the System in any way which may disrupt the functionality of the website, or other systems used to deliver the service;
(c) not attempt to gain unauthorised access to any materials other than those which you have been given express permission to access;
(d) not transmit, or enter into the System, any files, whether synchronised from your cloud-based accounting software or through manual inputs, that may damage any other person’s computing devices, content that may be offensive or exploit sensitive information, or material or data in contravention of any law; and
(e) not attempt to modify, reproduce, adapt, disassemble, decompile, reverse engineer or otherwise attempt to extract the source of any component of the System or any computer programs used to support or operate the System, except as is necessary to use either of them for normal operation.
7. Indemnity
7.1. You indemnify us from and against any liability, loss, damage, claims, costs and expenses (Loss) suffered or incurred by us arising from your negligence, misrepresentation, fraud, breach of law or breach of the Terms of Use, except where such Loss arises from a mistake, fraud, negligence or wilful misconduct by us, our employees, our agent or a receiver.
8. Information and products from third parties
8.1. Our website also contains links to the websites of third party providers of goods and services (Third Party Websites). If you have accessed Third Party Websites through our website and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties.
8.2. Where you access a Third Party Website from our website, cookie information, information about your preferences, and other information you have provided about yourself may be shared between us and the third party.
8.3. These third party providers of products and services provide their products and services independently of Finstro. These third parties may have additional terms and conditions and privacy policies that apply to you. We encourage you to review the third party’s terms and conditions and privacy policies prior to accessing or using any third party product or service (including Third Party Websites), and to be aware that the third party may charge you fees.
9. Privacy and data
9.1. When accessing and using the System, we may collect and process your personal information. We may collect your personal information directly from you when you enter or upload personal information into the System or from your use of the System.
9.2. We will not ask you to disclose sensitive information (such as your health information), but if you enter or upload sensitive information into the System it will be captured and stored.
9.3. You must not enter or upload the personal information of another person without their authorisation.
9.4. For information about how we collect, store, use, disclose and otherwise deal with your personal information, please see our Privacy Policy and any additional privacy notices or disclosures we give you when applying for or using our products.
9.5. You are responsible for ensuring that the information in your Finstro account is kept up to date.
10. Cookies and web beacons
10.1. We use ‘cookies’ and ‘web beacons’ to provide you with better and more customised service and with a more effective website, for troubleshooting and support purposes, behavioural and support purposes, as well as for fraud and security purposes.
10.2. A ‘cookie’ is a small text file placed on your device by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.
10.3. When you view our advertisements on a third party website, we and our advertising partners and service providers use ‘cookies’ and ‘web beacons’ to collect information such as:
(a) your mobile device make, model and OS version;
(b) the server your computer is logged onto;
(c) your browser type and IP address;
(d) your web app journey and behaviour;
(e) the date and time of your visit; and
(f) the performance of Finstro’s marketing efforts.
10.4. When you access our website after viewing one of our advertisements on a Third Party Website, we may collect information on how you utilise our website (such as the pages you view) and whether you complete an online application so that we can understand the effectiveness of our advertising and analyse and improve our website.
10.5. If you are signed in or commence Finstro’s account creation process, we can link some of this data back to you. The maximum retention period for this data is 90 days.
11. IP addresses
11.1. Your IP address is the identifier for your computer, mobile or other internet-connected devices when you are using the internet.
11.2. It may be necessary for us to collect your IP address for your interaction with various parts of the System.
12. Online applications
12.1. When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any products or services that you require.
12.2. You can also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us.
13. Security of information
13.1. The security of your information is important to us.
13.2. We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.
13.3. We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.
13.4. We take reasonable steps to preserve the security of cookies and personal information in accordance with these Terms of Use and our Privacy Policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).
13.5. You are responsible for protecting your login, password and other access credentials, and notifying us immediately if you see any unusual activity on your account.
13.6. Where we make additional security features available to you, if you choose not to use these security features this will be at your own risk. We strongly encourage you to use all optional security features made available to you from time to time.
14. Direct marketing
14.1. We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.
14.2. We may use your personal information for direct marketing purposes. If you do not wish to receive direct marketing communications from us, or wish to know the source of the information being used, you may submit a request to privacy@finstro.com.au or phone 1800 693 467.
14.3. We will respond to your request as soon as practicable.
15. Availability and accuracy of the information and the System
15.1. We will do everything reasonably possible to ensure that the System is available to you. However, we do not warrant that the System will operate at all times, and put you on notice that the System may be temporarily unavailable from time to time (for example, when we are conducting maintenance on the System and a period of downtime is necessary). Where planned maintenance is required, we will attempt to notify you in advance.
15.2. Please promptly advise us if you experience any faults or unavailability so that we can seek to rectify the issue as soon as possible. If you do not have a stable internet connection, you may not be able to access the System.
15.3. We routinely implement updates, modifications, and enhancements to the System and, on occasion, may discontinue certain features. We will endeavour to notify you of any material updates, modifications and enhancements where reasonably practicable, which may include communication via a banner on our website, an email to the address associated with your business’s Finstro account or a notification within the System upon your next login.
15.4. If an update, modification or enhancement may have an adverse impact on your use of our credit and payment products we will give you reasonable prior notice (not less than 30 days) by emailing the email address associated with your business’s Finstro account.
15.5. Despite clauses 15.3 and 15.4, we may, acting reasonably, from time to time and without notice to you:
(a) place limits on the nature of transactions that can be made and the information that can be obtained using the System as determined by Mastercard® or as a fraud prevention measure; or
(b) change, suspend, cancel or deny access to the System, or change the software, system or equipment required to access the System, due to a change in law, to maintain the security of the System, to manage another material and immediate risk, including in relation to an event of default, your particular circumstances, the value of the secured property relevant to any credit that has been provided, or as otherwise permitted under our product terms and conditions.
15.6. It is your responsibility to supply and maintain any software or equipment (such as a personal computer, internet browser, modem or touch-tone telephone) that may be necessary for you to access the System from time to time.
16. Termination
16.1. Subject to any outstanding balance or other terms and conditions that apply to your use of Finstro’s products and services, you may terminate your Finstro account at anytime by writing to us at support@finstro.com.
16.2. Without limiting Finstro’s other rights under these Terms of Use, we may terminate your access and use of the System and Finstro account immediately, on notice to you, if you:
(a) have breached these Terms of Use in any way and the breach is unable to be remedied or is able to be remedied and you fail to remedy the breach within 14 days of receiving notice of the breach; or
(b) you or your business becomes insolvent, your business goes into liquidation or has a receiver or manager appointed over any of its assets, you become insolvent or make any arrangement with your creditors or become subject to any similar insolvency event in any jurisdiction.
16.3. Your data will be available for 90 days following termination. You may request access to your data following termination by writing to us at support@finstro.com.
17. Disclaimer and liability
17.1. Subject to any rights, conditions, guarantees or warranties which cannot be excluded by reason of any law, including the Australian Consumer Law under the Competition and Consumer Act 2010 (Cth) or similar state or territory legislation, we make no representation or warranty with respect to the System and accept no liability for any loss or damage whether direct, indirect or consequential arising out of your access, use (or inability to use or access in whole or in part) or reliance upon, any information or services contained on or accessed through the System (including information contained in sites linked to the Finstro website).
17.2. To the full extent permitted by law, we exclude all liability in respect of loss of data, interruption of business or any consequential or incidental damages.
17.3. If the Australian Consumer Law under the Competition and Consumer Act 2010 (Cth) or similar state or territory legislation states that there is a guarantee in relation to the services supplied by us in connection with these Terms of Use and our liability for failing to comply with that guarantee cannot be excluded but may be limited, then our liability for that failure is limited (at our discretion) to either:
(a) re-supply of the services again; or
(b) paying the cost of re-supply of the services again.
17.4. Use of any product and services, including Finstro’s credit and payment products, accessible through the System is subject to the terms and conditions governing the use of those products and services.
18. Governing Law and Jurisdiction
18.1. You agree that your use of the System and these Terms of Use will be governed by the laws in force in New South Wales and are subject to the non-exclusive jurisdiction of the courts of News South Wales and the courts competent to determine appeals from those courts.
19. General
19.1. We will not be liable to you for any failure or delay in performance on our obligations under these Terms of Use to the extent that the failure or delay resulted from an event that is outside of our reasonable control.
19.2. You must not assign, sublicence or otherwise deal in any other way with any of your rights under these Terms of Use.
19.3. If a provision of these Terms of Use is invalid or unenforceable, that provision is to be read down or severed to the extent necessary without affecting the validity or enforceability of the remaining provisions.
19.4. Each party must at its own expense do everything reasonably necessary to give full effect to these Terms of Use and the events contemplated by it.
20. Contacting Us
20.1. At Finstro, we care about your experience using the System. Should you have any queries or concerns about these Terms of Use or the System, please contact Finstro at:
Phone: 1800 693 467
Email: support@finstro.com
Post: PO Box H173, Australia Square, Sydney NSW 1215
Finstro Master Card® - Terms & Conditions
Effective 2020
1. Terms and Conditions
1.1 These terms and conditions (Terms and Conditions) describe the terms of your (you, your, user or cardholder) agreement with Finstro Securities Pty Ltd ACN 632 777 238 (Finstro) as it relates to your use of the Finstro Mastercard. It is important that you read this document carefully and understand your rights and obligations.
1.2 You have entered into a Finstro Master Facility Agreement with Finstro which is a business credit facility. The Finstro Mastercard can be used for purchasing goods and services where using the Available Balance of your Finstro Master Facility anywhere Mastercard is accepted for electronic transactions.
1.3 The Finstro Mastercard is issued by EML Payment Solutions Limited ABN 30 131 436 532 AFSL 404131 (EML). INC.C Payments Pty Ltd ABN 94 623 555 699 (INCC) arranges the distribution of the Finstro Mastercard. Finstro is the provider of the Finstro Master Facility and distributor of the Card. Finstro provides the Finstro Mastercard as part of its arrangement with you under the Finstro Master Facility Agreement.
1.4 EML deals with funds loaded onto the Finstro Mastercard in accordance with its arrangements with INCC.
1.5 Finstro reserves the right to change these Terms and Conditions at any time.
2. Acceptance of these terms
2.1 You signify your acceptance of these Terms and Conditions by acknowledging you have read and accepted them either via the Finstro Website or the Finstro App. Acceptance of our Terms and Conditions forms part of the Finstro Mastercard activation process that must be completed prior to using your Finstro Mastercard.
3. Important Information about the Financial Claims Scheme
3.1 The Financial Claims Scheme is a scheme administered by APRA to protect depositors of authorised deposit-taking institutions from potential loss due to the failure of these institutions.
3.2 The Financial Claims Scheme only applies to deposits. Your Available Balance is not a deposit with Finstro, INCC or EML. Accordingly, the Financial Claims Scheme does not apply in relation to the Finstro Mastercard or your Available Balance in the event of Finstro’s, INCC’s or EML’s failure.
3.3 For more information on the Financial Claims Scheme, see APRA's website at https://www.fcs.gov.au/.
3.4 We disclose and you acknowledge that the Finstro Mastercard is not a gift card as that is defined within the section 99A of the of the Australian Consumer Law (contained in Schedule 2 of the Competition and Consumer Act 2010). This means that there is no requirement for the Finstro Mastercard to have a minimum expiry date of 3 years from the date it is supplied.
4. Activation
4.1 To activate your Finstro Mastercard, please visit the Finstro Website or download the Finstro App and enter the 16-digit Card Number and CVV where you will be asked to read and accept these Terms and Conditions, after which you will be prompted to set your PIN.
4.2 Once activated, the funds loaded onto the Finstro Mastercard will be available immediately.
4.3 The Finstro Mastercard must be activated prior to use and at least one (1) week prior to its expiry date.
5. Expiry and cancellation
5.1 The Finstro Mastercard expires three years after the “valid from” date identified on the Finstro Mastercard (Expiry Date).
5.2 After the Expiry Date, the Finstro Mastercard:
(a) will be unable to access the Available Balance; and
(b) will be declined when presented for use.
6. PIN and Pass Codes
6.1 To make purchases with your Finstro Mastercard you may need a PIN. When activating your Finstro Mastercard at either the Finstro Website or the Finstro App, you will be prompted to choose your own PIN. You can change your PIN online at the Finstro Website or via the Finstro App at any time.
6.2 A Pass Code may be provided to your registered Device to complete a transaction - this is often referred to as Two Factor Authentication. Where you are provided a Pass Code in these circumstances, you must not disclose that Pass Code to any other person.
7. Where you can use your Finstro Mastercard
7.1 The Finstro Mastercard is a reloadable card that can be used for purchasing goods and services where Mastercard is accepted for electronic transactions (excluding transactions at automated teller machines (ATM) or over the counter at financial institutions).
7.2 When you access the Available Balance through use of the Finstro Mastercard, there may be interest payable by you as determined by Finstro under the Finstro Master Facility Agreement.
7.3 The Finstro Mastercard is only available to businesses for business use. The Finstro Mastercard must not be used for personal expenses at any time. The Finstro Mastercard may not be used for, and authorisation may be declined for, any illegal transactions or for any transactions not approved by Finstro.
7.4 Some Merchants may choose not to accept Mastercard.
7.5 If you have a problem with a purchase, you must contact the Merchant and not Finstro or INCC. The Merchant's own policies in respect of refunds or returns will apply.
7.6 The Finstro Mastercard cannot be used to obtain or redeem cash, for making direct debits, recurring or regular instalment payments, or to withdraw cash via an ATM. The Finstro Mastercard is not a credit facility, is not a credit card, and is not linked to a deposit account held with Finstro, INCC or EML.
7.7 The Finstro Mastercard cannot be used to make transactions that exceed the Available Balance. For such a transaction you need to pay the difference by another method if the Merchant agrees. In the event the Available Balance is less than the purchase amount, some Merchants may not allow the cardholder to combine multiple payment types (such as cash, cheque or another payment card) to complete the transaction.
7.8 Finstro may restrict or stop the use of the Finstro Mastercard if excessive use, attempts to use or other suspicious activities are noticed or are otherwise prohibited transactions under the Finstro Master Facility Agreement.
7.9 If you permit someone else to use the Finstro Mastercard, you will be responsible for any transactions initiated by that person.
7.10 Finstro, INCC and EML are in no way liable if the Finstro Mastercard is declined unless as a result of an unlawful deliberate act or omission by Finstro, INCC or EML.
8. Checking your transaction history and balance
8.1 You are responsible for checking your transaction history and balance which you can do at any time by visiting the Finstro Website and/or the Finstro App by entering your Card Number and your PIN.
9. Security
9.1 You must make sure that you keep the Finstro Mastercard, Identifiers and any PIN's or Pass Codes safe and secure. The precautions we require you to take (Security Requirements) are set out in 9.2 below.
9.2 You must not:
- allow anyone else to use the Card;
- unnecessarily disclose the Card Number;
- carry the PIN, the Device Pass Code with the Device, or record the PIN or Device Pass Code on anything carried with the Finstro Mastercard or liable to loss or theft simultaneously with a Device, unless you make a reasonable attempt to protect the security of the PIN or Device Pass Code;
- voluntarily disclose the PIN, Device Pass Code or Pass Code to anyone, including a family member or friend;
- When using your Device, you should:
- always lock your Device and never leave your Device unattended;
- assign a Device Pass Code to unlock your Device;
- not share your Device Pass Code to anyone;
- not store anyone else's Biometric Identifier within your Device;
- remove any other registered Biometric Identifier which is not your own from your Device.
10. Lost, stolen or damaged Finstro Mastercard
10.1 If you know or have reason to suspect that your Finstro Mastercard or Device is lost, stolen or damaged, likely to be misused or you have reason to suspect that someone else may know the PIN, Identifiers or Pass Codes you must immediately lock the Finstro Mastercard via the Finstro Website or the Finstro App so that the Finstro Mastercard can be disabled.
10.2 You may be required to confirm details of the loss, theft or misuse in writing (and to provide particular information in the confirmation) and you must comply with that requirement.
10.3 We will not reimburse you for any transactions conducted by an unauthorised person prior to you informing us of the Finstro Mastercard's loss. You will be liable for losses resulting from Unauthorised Transactions where we can prove on the balance of probability that you or the User or holder of the Finstro Mastercard concerned have contributed to the loss or losses through unreasonably delaying notification of the misuse, loss or theft of the Finstro Mastercard, or that liability in this case is limited to losses occurring between the time that you became aware of the Unauthorised Transaction, or should reasonably have become aware in the case of lost or stolen Finstro Mastercard.
10.4 You will not be liable for any loss or damage in excess of the Available Balance of the Finstro Mastercard unless you are separately liable under the Finstro Master Facility Agreement.
10.5 In some circumstances, you may be able to request a chargeback of a transaction when you have a dispute with a merchant, such as the merchant's failure to supply the goods or services you paid for.
10.6 A chargeback is a right under the Mastercard Scheme rules by which a transaction can effectively be reversed by EML debiting an amount to the merchant's financial institution and crediting back to your Available Balance. We can only process chargebacks if the Mastercard Scheme Rules allow us to.
10.7 If you believe that you are entitled to a chargeback, you must notify Finstro as soon as possible.
10.8 The Mastercard Scheme Rules impose time limits for initiating chargebacks. The time limit is generally 90 days from the date of the disputed transaction.
10.9 If you request a chargeback, we may need you to provide additional information. If we do ask you for additional information and you do not provide it within 10 days, then you may lose any rights to the chargeback and if it has already been processed, we may reverse it.
10.10 Please note that if we process a chargeback, the merchant may have rights under the Mastercard Scheme Rules to have the transaction investigated further, and this can in some circumstances result in the chargeback being reversed (which means the original transaction might be reinstated by being debited to your Available Balance).
11. Liability
11.1 You are responsible for all fees, fines, penalties and other liability incurred by Finstro as a result of or arising from your breach of these Terms and Conditions or your use of the Finstro Mastercard. You agree to reimburse and indemnify Finstro for such liability and authorise Finstro to deduct all fees, fines, penalties or other liability from the funds loaded on your Finstro Mastercard. If you do not have sufficient funds on your Finstro Mastercard, you acknowledge that Finstro may engage in collection efforts (either through itself or a collection agency) to recover such amounts from you and you will be liable for all such costs associated with this on a full indemnity basis (including legal fees on a full indemnity basis).
11.2 To the extent permitted by law, we will not be liable to you for any loss or damage (whether direct or consequential), nor be in default under these Terms and Conditions for failure to observe or perform any of our obligations under these Terms and Conditions for any reason or cause. We accept no liability for any failure to authorise a purchase transaction (even if the balance exceeds the purchase amount at the time of the authorisation request) if this results from the application of prudent risk management controls or if the terminal or system was not working properly.
11.3 Our liability for breach of a condition or warranty implied by law and which cannot be excluded is limited to either the resupply of the services or the payment of the cost of having the services supplied again.
12. Fees
12.1 There is no charge to check your balance at any time via the Finstro Website of Finstro App.
12.2 The cost to replace any lost, stolen or damaged Finstro Mastercard (whether physical or virtual) is $15.00 per Finstro Mastercard.
12.3 Transactions made in a currency other than Australian dollars will be subject to the prevailing Mastercard exchange rate at the time plus a 2.99% foreign exchange fee. Example of Foreign Exchange Fee:
You make a purchase from a merchant located outside Australia (e.g. USA);
At the time, Mastercard's prevailing exchange rate is US$1.00 = $1.40 Australian;
You spend US$200.00;
The Australian dollar amount is US$200.00 x $1.40 = $280.00;
The foreign exchange fee is therefore 2.99% x $280.00 = $8.37.
13. Privacy and confidentiality
13.1 We do not disclose personal details except for the purpose of managing and processing the Finstro Mastercard as required by law. Information may be disclosed to contractors or third-party service providers who supply administrative, telecommunications, processing or other services in connection with the Finstro Mastercard. Those contractors or third-party service providers may be based outside of Australia and you consent and agree that information may be disclosed to those parties for the purpose of managing and processing your Finstro Mastercard.
13.2 Our Privacy Policy sets out how you can access and correct information we hold about you, how you can complain about a breach by us of your privacy rights and how your complaint will be handled.
13.3 Our Privacy Policy can be accessed from the Finstro Website.
14. Currency
14.1 All amounts referred to in these Terms and Conditions are a reference to Australian Dollars (AUD) unless otherwise provided for.
15. Governing Law
15.1 These Terms and Conditions are governed by the laws of New South Wales and you submit irrevocably and unconditionally to the non-exclusive jurisdiction of the courts of New South Wales.
16. Definitions
In these Terms and Conditions:
Activate means the process of activating the Finstro Mastercard in accordance with clause 4.
APRA means the Australian Prudential Regulatory Authority.
Available Balance means the monetary value recorded by Finstro within your Finstro Master Facility which is available for transactions.
Biometric Identifier means a fingerprint, faceprint or any other similar biometric identifier.
Card Number means the 16-digit number that appears on the front of the Finstro Mastercard.
CVV means the card verification value. The CVV is the 3-digit number on the rear of the Finstro Mastercard and is often required to complete transactions, particularly for online purchases.
Device means a compatible smartphone or wearable device that supports a Device Wallet, enabling you to use the Device as a payment method for purchase transactions.
Device Pass Code means anything used to unlock and access a Device including, but not limited to, a password, numerical code, pattern or Biometric Identifier.
Device Wallet means the Apple Pay, Google Pay or Samsung Pay mobile applications that store the Card as a tokenised card on a compatible phone or wearable device.
Expiry Date has the meaning provided to that term in clause 5.1.
Finstro App means the mobile application owned, operated and made available by Finstro.
Finstro Master Facility means your unique line of credit product issued and administered by Finstro.
Finstro Master Facility Agreement means the terms and conditions of the finance facility issued and administered by Finstro.
Finstro Website means Finstro's website located at www.finstro.com, as updated and replaced from time to time.
Identifier means information that you know but are not required to keep secret and which you must provide to perform a transaction (for example, a Card number).
INCC has the meaning provided to that term in clause1.3.
Mastercard means:
(a) in clauses 7.1, 7.4, 10.6, 10.8 and 10.10 Mastercard International Incorporated (or another relevant company in the Mastercard group of companies); and
(b) everywhere else, the Finstro Mastercard (being a reloadable prepaid card) issued to a User from time to time, being a physical card or tokenised card.
Merchant means any business entity that is authorised to accept the Finstro Mastercard for the payment of goods and services.
Pass Code means a password or code that you must keep secret that is used to authenticate your identity or a transaction. Examples include a code delivered to you by text or email which is required to perform a transaction (often called Two Factor Authentication).
PIN is your 4-digit number combination known only to you that allows you to access your account information and verify and authorise payments on the Finstro Mastercard.
Privacy Policy means our current privacy policy available as available on the Finstro Website, as updated and replaced from time to time.
Unauthorised Transaction means a transaction not authorised or not authorised by you but does not include any transactions carried out by you or by anyone performing the transaction with your express or implied knowledge and consent.
User means the person to whom the Finstro Mastercard is given to use as payment mechanism.
Privacy Policy
Finstro Privacy Policy
Last updated 1st November 2025.
Who are we?
‘We’, ‘us’ and ‘our’ refer to Finstro Holdings Pty Limited ACN 605 121 364, any wholly owned subsidiaries of Finstro Holdings Pty Ltd and the following related businesses:
Finstro Securities Pty Ltd ACN 632 777 238
Finstro Payments Pty Ltd ACN 150 098 203
Finstro Operations Pty Ltd ACN 605 121 524
Finstro Card Services Pty Ltd ACN 623 510 323
IN.C.C Payments Pty Ltd ACN 623 555 699
(collectively, “Finstro”).
Finstro provides tailored financial solutions for credit & payments via a Finstro Mastercard, flexible business line of credit for working capital and funding business assets, and business trade account for making repeat purchases from suppliers.
Our commitment to protect your privacy
The privacy of your personal information is important to us at Finstro.
We are committed to respecting your right to privacy and to protecting your personal information in accordance with our legal obligations, including those under the Privacy Act 1988 (Cth) (Privacy Act), Australian Privacy Principles (APPs) and any applicable Privacy Credit Reporting Code registered and in force in Australia from time to time (Credit Reporting Code).
Any personal information we collect about you will only be used and disclosed for the purposes for which we have collected it, as set out in this Privacy Policy, or as permitted under the law.
About this Privacy Policy
This Privacy Policy outlines how we manage your personal information (including credit-related information) when your business uses our products or services, you are a guarantor in relation to credit provided or arranged by us, or you otherwise interact or deal with us. Further, it describes the nature of the information held, the purposes for which it is held, and the way it is collected and disclosed.
Our Privacy Policy applies to all your dealings with us whether through one of our introducers, associates, or with Finstro directly via our websites, telephone calls or mobile applications. Depending on the products or services your business uses and your dealings with us, you may be provided with additional privacy related information to supplement this Privacy Policy.
We may change this Privacy Policy from time to time. We will post any changes to this Privacy Policy on our website, which will take effect when it is published. We encourage you to check our website regularly for any updates to our Privacy Policy.
Personal information we collect and hold
“Personal information” is information or an opinion about an identified individual or an individual who is reasonably identifiable.
The personal information that we collect and hold about you depends on our relationship with you. The types of personal information we typically collect includes:
full name, age, date of birth, gender and marital status
occupation, job title and employer
contact details (such as, address, phone number, email address)
relationship to our clients and others
residency status, country of birth, nationality and tax residency
tax file number
identity documents (such as, passport number, driver licence number, Medicare number)
biometric template (where you choose to use our biometric identification system)
photos (including a “selfie” where you choose not to use our biometric identification system)
financial information (such as, bank account information and statements, income, assets, expenses, financial liabilities and other financial records)
information about your use of our products and services, including transaction information
if you a proprietor, director or owner of a business applying for credit or you offer to be a guarantor, credit-related information (see “Credit-related information we collect and hold” below)
other information Finstro considers necessary to provide our products, perform our services and meet our legal and regulatory obligations
details of your interactions with us, including any information you give us when you provide feedback or make a complaint (including where we collect and store call recordings)
“Sensitive information” is a type of personal information that includes information about your racial or ethnic origin, political opinions or associations, religious or philosophical beliefs or affiliations, membership of a professional or trade association, membership of a trade union, health information, sexual orientation or practices, criminal record or biometric information.
We may collect and hold sensitive information about you where it is reasonably necessary for our functions and activities. For example, to verify your identity where you have opted to use our biometric identification system or when you share sensitive information with us in connection with a hardship application or a customer service enquiry (such as, medical certificates). We will not collect your sensitive information without your consent, except in limited circumstances, including when:
the collection is required or authorised under Australian law or a court or tribunal order; or
another exception under the Privacy Act applies.
Credit-related information we collect and hold
“Credit-related information” is a type of personal information that includes:
credit information, which includes your identity; the type, terms and maximum amount of credit provided to you, including when that credit was provided and when it was repaid; repayment history information, default information (including overdue payments); payment information; financial hardship information (including information that any repayments are affected by a financial hardship arrangement); commercial and consumer credit information from a Credit Reporting Body; customer identification by a Credit Reporting Body; financial information; new arrangement information;
details of any serious credit infringements; court proceedings information; personal insolvency information; and, publicly available information; and
credit eligibility information, which includes credit information supplied to us by a credit reporting body, your bank statements, and in some circumstances your ATO business activity statements and ATO integrated client account statement, and any information that we derive from that information, such as your credit score, credit risk ratings, summaries and evaluations.
Usually, credit-related information is exchanged between credit providers (such as Finstro) and credit reporting bodies.
If you are a proprietor, director or owner of a business applying for credit or you are providing a guarantee, we may obtain a report from a credit reporting body containing credit-related information about you. We may also collect the ages and number of your dependants and cohabitants, the length of time you have resided at your current address, your employment details and proof of earnings and expenses.
See “How we use your credit-related information” and “Disclosure of credit-related information and notifiable matters” below for further information about how we use and disclose your credit-related information.
Digital information we collect and hold
When you use our website or mobile applications, we may collect information about your location or activity including IP address, telephone number and whether you have accessed third party sites, the date and time of visits, the pages that are viewed, information about the device and operating system used and other user location information. We collect some of this information using cookies and web beacons (for more information please see our Terms of Use https://www.finstro.com/en-au/legal.
We may link this digital information with personal information that we hold about you. For example, this can happen when you are signed into your account on our website or mobile applications or commence Finstro’s account creation process.
How we collect your personal information
We will, if it is reasonable and practicable to do so, collect your personal information directly from you. For example, this may happen when you fill out a web-form, a product or service application or an administrative form (e.g. a change of address form), or when you give us personal information over the telephone, or through our website or mobile app.
In certain cases, we will collect your personal information from third parties. For example, we may need to collect personal information from a credit reporting body, other credit providers, your representative (such as, your employer, financial advisor or legal adviser), publicly available sources of information, or from any of the organisations identified below under "Disclosing your personal information".
We will not ask you to supply personal information publicly over Facebook, Twitter, or any other social media platform that we use.
How we use your personal information
We may use your personal information to:
confirm your identity
assess an application for credit or your capacity to be a guarantor
provide our products and services
enter into, administer and manage our relationship with you or your business
facilitate your participation in a loyalty program operated by our loyalty and rewards partner, including benefits and offers
respond to your enquiry, feedback or complaint
analyse and improve our business, products and services
communicate with you about our products and services
market and promote products, services and offers that we think may be of interest to you, including sending direct marketing by email, SMS, app push notifications, post, phone, social media and targeted online ads
manage our business operations and administration, including collecting and recovering money that is owed to us, financial management, planning, reporting, audit and corporate governance purposes
manage security and risk, including to detect, prevent, investigate and respond to suspicious, unlawful, dishonest, fraudulent or malicious activities, security incidents and breaches of our terms and policies
to comply with our legal and regulatory obligations and protect our legitimate rights and interests.
See “Marketing our products and services” below for further information about our marketing practices, including how you can tell us you no longer wish to receive direct marketing from us.
How we use your credit-related information
We may use your credit-related information for the purposes of:
confirming your identity
assessing an application for credit, your capacity to be a guarantor (if applicable) and managing that credit, including deriving scores, risk ratings, summaries and evaluations relating to your credit worthiness and your ability to fulfil relevant obligations
identifying and investigating any fraud or other unlawful activities (or any suspected fraud or other unlawful activities)
managing risk, complying with our legal and regulatory obligations (including under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth)) and protecting our legitimate rights and interests such as collecting overdue payments
sharing information with credit reporting bodies, where the law permits us to do so.
Use of automated decision making
We may use technology (including artificial intelligence) to make certain automated decisions based on personal information we have collected from you or obtained from other sources such as credit reporting bodies to help inform our credit application assessment and approval process.
These decisions may affect the products or services we offer to you and your business, including whether we approve an application for credit or a proposed guarantor.
You have the right to request access to and correction of any personal information that we hold about you that may have informed our decision in accordance with this Privacy Policy (see “Access and correction to your personal and credit-related information” below).
Disclosing your personal information
We may disclose your personal information to third parties for the reasons outlined in “How we use your personal information” or where the law authorises, requires or otherwise permits us to do so.
In line with modern business practices, and depending on your specific circumstances (such as, for example, where you have a financial adviser or mortgage broker), we may disclose your personal information to the organisations described below.
The relevant organisations include:
related entities who help us carry out our functions and activities
our agents, contractors, service providers and other organisations who help us operate our business and provide our products and services, including persons who assist us to provide our products to you like finance brokers, mortgage managers and originators, investors, funders or other intermediaries; trade and other insurers, re-insurers and underwriters; card producers and card schemes; valuers, assessors and investigators; debt collection agencies; ratings agencies; organisations that help identify and prevent illegal activities and fraud; auditors; identity verification providers; third party service providers including for statement production, debt recovery, claims, information technology infrastructure, systems or support, call centres, marketing, business and product planning and development, printing and posting, legal advisors and other professional services; and, our loyalty and reward program partners
other organisations involved in our funding arrangements and normal business practices, including in connection with trustee or custodial services, funding arrangements involving securitisation, and any proposed transfer of or dealing with your credit or credit you have guaranteed
your representatives or third parties acting on your behalf, including your legal advisers, finance consultants, mortgage brokers, guardians, persons holding power of attorney, and accountants, and any of their service providers
your employer, former employers or referees
your co-applicants or borrowers, guarantors and any other person who has an interest in your credit (or their representatives)
if you are a guarantor, the applicants or borrowers of the credit you have guaranteed, any joint guarantor and any other person who has an interest in the credit you have guaranteed (or their representatives)
financial institutions and other organisations involved in the payments system including financial institutions, merchants and payment organisations (for example, to process payments or a claim for mistaken payment)
government and law enforcement agencies and regulators, courts and tribunals, dispute resolution bodies, industry bodies, and other third parties where we are required or authorised by law (such as under the Anti-Money or Laundering and Counter Terrorism Financing Act 2006 (Cth))
credit reporting bodies (see “Disclosing your credit-related information” below)
prospective investors or purchasers of our business or assets, entities involved in a corporate re-organisation, and their advisors
any other third party where you consent.
Although in certain circumstances we may collect government related identifiers such as your passport number, drivers licence number, or Medicare number, we do not disclose this information other than when required or authorised by law or where you have consented to the disclosure (for example, for identity verification purposes).
Disclosure of credit-related information and notifiable matters
The law requires us to advise you of ‘notifiable matters’ in relation to how we may use and disclose your credit-related information. You may request to have these notifiable matters (and this Privacy Policy) provided to you in an alternative form (see “Contacting Us” below).
We exchange your credit-related information with credit reporting bodies, where the law permits us to do so. We use the credit-related information that we exchange with the credit reporting body to confirm your identity, assess your creditworthiness, assess a relevant application for credit or your capacity to be a guarantor and manage your credit, and any other purpose described under “How we use your credit-related information” above.
The information we exchange with credit reporting bodies includes your identification details, what type of loans you have, how much you have borrowed, whether or not you have met your loan payment obligations, whether you have entered into a financial hardship arrangement (either with us or some other third party), if you default, and if you have committed a serious credit infringement (such as fraud).
Consent is not required for Finstro to disclose your personal information to a credit reporting body, however, we will need your consent for the credit reporting body to disclose credit-related information to us. Any information request we make to a credit reporting body may be recorded and used to assess your creditworthiness and might affect your credit score or credit rating. Credit reporting bodies may also include information about our information request in reports to other credit providers to help them assess your creditworthiness.
We may also disclose your credit-related information to other credit providers (including through CreditorWatch), an external dispute resolution scheme such as the Australian Financial Complaints Authority, a government and law enforcement agency or regulator, and any other person that you authorise or that we are required or permitted by law to disclose your credit-related information to.
If you fail to meet your payment obligations in relation to any credit that we have provided or arranged, or if you have committed a serious credit infringement, Finstro may undertake the following:
disclose this information to a credit reporting body
issue prescribed notices under Credit Reporting Code advising payments which have become overdue more than 60 days
issue prescribed notices under Credit Reporting Code a payment default has occurred with Finstro advising a credit reporting body
engage collections agencies and or legal counsel to collect payments which have become overdue
request a credit reporting body not to disclose information about you if you believe you are a victim of fraud.
You have the right to request access to the credit-related information that we hold about you and make a request for us to correct that credit-related information if needed. Please see “Access and correction to your personal information and credit-related information” below.
Sometimes your credit information will be used by credit reporting bodies for the purposes of ‘pre- screening’ credit offers on the request of credit providers. You can contact the credit reporting body at any time via their respective websites to request that your credit information is not used in this way.
You may contact the credit reporting body to advise them that you believe that you may have been a victim of fraud. For a period of 21 days after the credit reporting body receives your notification, the credit reporting body must not use or disclose that credit-related information.
We collect credit-related information from, and share credit-related information with, the following credit reporting bodies. For information about how to contact the credit reporting bodies and to see their policies on managing credit-related information, please visit their websites:
Equifax Pty Ltd – www.equifax.com.au
Experian Australia Credit Services Pty Ltd – www.experian.com.au
Illion Australia Pty Ltd – www.illion.com.au
Identity Verification
We may disclose your name, residential address, date of birth, photo and other identification information you provide to us to third parties that help us verify your identity, including our identity service providers (such as Veriff), Credit Reporting Bodies and government bodies located in Australia. These third parties use this information to assess whether the information we have matches information held or accessible by that third party.
We will let you know if we are unable to verify your identity in this way. If you do not consent to us verifying your identity in this way, we will seek to verify your identity in another way, which may involve requiring you to provide various supporting identification documents (either original or certified copies).
Further information about the Australian Government’s Digital Verification Service
Where you provide identification information such as your Australian passport, State or Territory driver’s licence, Medicare card or any other government issued photo identification document for identification purposes, we may use the Australian Government’s document verification service (“DVS”) to match your identification information with records held by the official record holder. We access and use the DVS, including requesting information matches and receiving information match results, through an approved third party DVS gateway service provider and other third party systems.
The Privacy Act, the Identity Verification Services Act 2023 (Cth) and the DVS User Terms and Conditions govern the way in which we may collect, use, hold and disclose your identification information in connection with the DVS. Further information about the operation and management of the DVS can be found here at https://www.idmatch.gov.au/.
Biometric checks
We may also conduct biometric checks based on a photo of your face. We will separately ask for your consent before undertaking biometric checks.
Offshore disclosure of your personal information
Personal information (including credit-related information) may be held by us in electronic form on our secure servers and may also be held in paper form. We may use cloud storage to store this information. Our cloud storage and the IT servers are located in Australia.
Because we operate throughout Australia and overseas, we may need to disclose your personal information (including credit-related information) outside your State or Territory and/or outside of Australia.
We may also disclose your personal information (including credit-related information) to overseas entities that provide support functions or services to us, including mercantile agencies, collections houses, legal advisors and technology service providers.
The countries we are likely to disclose your personal information (which can sometimes include credit-related information) to are the United States of America, Europe, India, Vietnam, Estonia and the Philippines. Where this is the case, we will take reasonable steps to ensure the recipient complies with the APPs and that appropriate data handling and security arrangements are in place.
Marketing our products and services
We may use or disclose your personal information to let you know about, and develop, our products and services or products and services from businesses with whom we are associated that may better serve your financial, business and lifestyle needs, or to notify you of promotions or other opportunities which may be of interest to you. For example, we may do this after an initial marketing contact.
You can contact us at any time if you no longer wish to receive our direct marketing (see “Contacting Us” below). If the direct marketing is by email, you may also use the unsubscribe function contained in the email. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.
Keeping your personal information accurate and up to date
We aim to make sure that the personal information we collect, use or disclose is accurate, complete and up-to-date and take reasonable steps to make sure this is the case. In this way we can ensure that we provide you with a better service.
If you believe your personal information is not accurate, not complete or not up to date, please contact us (see “Access and correction to your personal and credit-related information” below). We will generally rely on you to ensure the information we hold about you is accurate or complete.
Access and correction to your personal and credit-related information
You can request access to the personal information and credit-related information we hold about you at any time by making a request to the Finstro Privacy Officer at the “Contacting Us” details below. We may charge a fee for our costs of retrieving and supplying the information to you (but not for making the request).
We usually provide an initial response to you within 7 days of receiving your request, however, we may respond to you sooner depending on the nature of your request. We will try to make your information available within 30 days of your request.
We may need to contact other entities to properly investigate your request, and this may impact how quickly we are able to make your information available.
There may be situations where we are not required to provide you with access to your personal information or credit-related information. Factors affecting a right to access include:
access would pose a serious threat to the life or health of any individual
access would have an unreasonable impact on the privacy of others
a frivolous or vexatious request
the information relates to a commercially sensitive decision-making process
access would be unlawful
access would prejudice enforcement activities relating to criminal activities and other breaches of law, public revenue, a security function or negotiations with you
legal dispute resolution proceedings
denying access is required or authorised by or under law.
If we deny you access to the personal information or credit-related information we hold about you, we will write to you explaining the reasons for our decision.
If any of the personal information or credit-related information we hold about you is incorrect, inaccurate, or out of date, you may request that we correct the information by contacting us via the details at “Contacting Us” below.
If appropriate we will correct the personal information at the time of your request, otherwise, we will provide an initial response to you within 7 days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information or credit-related information (usually within 30 days).
We may need to consult with other finance providers, credit reporting bodies or entities as part of our investigation.
If we refuse to correct your personal information or credit-related information, we will write to you explaining our reasons for not correcting the information.
Doing business anonymously
In most circumstances it will be necessary for us to identify you in order to successfully conduct business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of conducting business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.
Protecting your personal information
Records of your personal information are kept in several forms including both paper and electronic form. The security of your personal information is important to us and we take all reasonable precautions to protect it from unauthorised access, modification or disclosure and from loss or misuse. These precautions include:
confidentiality requirements for our employees
document storage security policies
security measures for systems access
providing a discreet environment for confidential discussions
only allowing access to personal information where the individual seeking access has satisfied our identification requirements
access control for our buildings
a data breach response plan to enable us to respond quickly to any suspected data breach
the security measures described below under “Our website and app security”
If Finstro receives any personal information which we did not solicit the information, Finstro will determine whether or not we could have collected the information if we had reasonably solicited the information. If not, we will take reasonable steps destroy this information.
Your privacy on the internet
Our website and app security
We take care to ensure that the personal information you give us on our websites and mobile applications are protected, with electronic security systems in place, including the use of firewalls and data encryption. User identifiers, passwords or other access codes may also be used to control access to your personal information. Please refer to the website and mobile applications which you transact electronically for more information on our website and mobile application specific privacy and security procedures.
There are some simple steps you can take to help us keep your personal information and account secure, including:
choosing a strong and unique password
turning on multi-factor authentication (where available)
using facial ID
keep your user identifiers, passwords or other access codes safe
telling us immediately if you see any unusual activity on your account
Cookies
We use cookies and web beacons in accordance with our Terms of Use. The purpose of this collection is to provide you with better and more customised service and with a more effective website, for troubleshooting and support purposes, behavioural and support purposes, as well as for fraud and security purposes.
Links to Other Sites
You may be able to access external websites by clicking on links we have provided. Those other websites are not subject to our privacy standards, policies and procedures. You will need to contact or review those websites directly to ascertain their privacy standards, policies and procedures.
Un-submitted online applications
If you start but do not submit an online application, Finstro may contact you using any of the contact details you supply, to offer help completing it. If you do not submit the online application, the information in it will be kept by Finstro for a period of time before being destroyed.
Complaints
If you are not satisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act, APPs or the Credit Reporting Code, you may contact the Finstro Privacy Officer through the details at “Contacting Us” below.
We will acknowledge your complaint within seven days and aim to resolve the complaint as quickly as possible. We will use reasonable endeavours provide you with a decision on your complaint within 30 days.
If you are not satisfied with the response of the Finstro Privacy Officer, you are entitled to make a complaint to the Australian Financial Complaints Authority (AFCA) or the OAIC, care of any of the following details:
AFCA
Phone: 1800 931 678
Email: info@afca.org.au
Post: GPO Box 3, Melbourne VIC 3001
OAIC
Phone: 1300 363 992
Website: www.oaic.gov.au
Post: GPO Box 5288, Sydney NSW 2001
Contacting Us
At Finstro we care about your privacy, and your trust is important to us. Should you have any queries or concerns about your privacy, please provide full details of the nature of your concerns by contacting the Finstro Privacy Officer, care of any of the following details:
Phone: 1800 693 467
Email: privacy@finstro.com.au
Post: Privacy Officer, PO Box H173, Australia Square, Sydney 1215