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
