You've just seen something different…

Someone you care about is overpaying the bank.

They just don't know it yet.

You’ve seen what a “normal” 30-year loan really costs. Hundreds of thousands… sometimes over a million… in interest alone.

You’ve also seen there’s a smarter way.

Now you can help someone you care about see it too.
Refer someone now
No pitch. No pressure. Just the same clarity you got.
We’ll take them through the same Debt Free Formula strategy session you experienced. Personal, honest, and built around their life. No selling. Just showing them what’s actually possible.

How it works

Three steps. One breakthrough for them.

Your job is simple. Make the introduction. We do the rest, the same way we did it for you.

1. Make the intro

Drop their details in the form below. Takes less than a minute. We handle it from there.

2. They see their numbers

We walk them through the same Debt Free Formula session you had. The moment the numbers land is something they won’t forget.

3. A different future

They leave with a strategy, not a sales pitch. And you’ll know you helped change how someone you care about thinks about money.
Introduce someone you care about

why people refer to us

This isn't a broker thing. It's a strategy thing.

You already felt the difference. Here’s why the people you refer feel it too.

It's about interest, not rates

Most brokers chase a lower rate. We focus on the total interest someone will pay the bank over the life of their loan. That's where the real money lives, and where the real savings happen.

A strategy, not a product

Most of our clients discover a clear plan to pay off a 30-year loan in 5 to 8 years, without living on rice and beans. Same income. Different approach.

It changes how they think about money

The Debt Free Formula session is a lightbulb moment. They stop seeing the bank as the default, and start seeing their mortgage as something they control.

We're in it for the long run

We're not a one-off settlement. We walk alongside them through property, life changes, and every decision that helps them stay (and get more) ahead.

who came to mind?

Who do you know that should see this?

A family member, a friend, a colleague. Someone quietly paying off a mortgage, assuming it’s just the way it works. Share their details below and we’ll gently reach out to show them what you saw.

Finance Differently Pty Ltd ABN 64 681 725 235 is a credit representative 565454 of Specialist Finance Group, ABN 48 612 422 178 (Australian Credit Licence 387025).

Kat Marsalek is a credit representative 454531 of Specialist Finance Group, ABN 48 612 422 178 (Australian Credit Licence 387025). MFAA Member: 294337, AFCA Member: 94489.

© 2026 Finance Differently. All rights reserved.

Privacy Policy

Last Updated: 25th Feb 2025
Finance Differently Pty Ltd (ACN 681 725 235) (“we,” “our,” or “us”) is committed to protecting the privacy of your personal information. This Privacy Policy outlines how we collect, use, disclose, and manage your personal information in compliance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
By using the Finance Differently platform (“Platform”) or providing us with your personal information, you consent to the practices described in this Privacy Policy.

Collection of Personal Information

  1. We may collect personal information from you when you:
    1. create an account on the Platform;
    2. become an advertiser;
    3. communicate with us, including for customer support;
    4. access content or features restricted by your subscription preferences;
    5. interact with advertisements displayed on the Platform; or
    6. sign up for a newsletter or competition. 
  1. The types of personal information we collect include:

Contact Information:

Name, email address, and any other contact details you provide.

Demographic Information:

Age, date of birth, gender, and location.

Account Information:

Username, password, and subscription preferences.

Transaction Information:

Details about your payments, including payment method (via our payment processor).

Technical Information:

IP address, device information, browser type, and activity logs.

Other:

Information you provide directly to us including when seeking support or making a complaint.

  1. We may also collect sensitive information, such as age verification data, where required to comply with legal and regulatory obligations.

Use of Personal Information

    1. We collect and use your personal information for the following purposes related to the provision of services to you:

Provision of services:

To provide and operate the Platform and its features.

Verification:

To verify your identity and age.

Account Management:

To manage your account, including granting virtual credits and processing payments.

User Experience:

To improve the functionality, content, and user experience of the Platform.

Notifications:

To send you important notifications, such as updates to our terms, privacy policy, or other administrative communications.

Marketing: 

To provide tailored advertisements and marketing communications that may interest you and for other marketing and client relationship purposes.

Legal and Regulatory:

To comply with our legal and regulatory obligations.

Enquiries:

To investigate and address any misuse or complaints related to the Platform and respond to your enquiries.

  1. We may use your personal information to provide you with marketing materials about our services or those of our partners. You may opt out of direct marketing communications at any time by contacting us or using the unsubscribe link provided in emails.

Disclosure of Personal Information

    1. We do not share your information with third-parties except with your explicit written consent. We may disclose your personal information to:
      1. Research and Analysis: We may use your information, directly or through service providers, to improve our services through research and data analysis.
      2. Third-Party Services: Your information may be shared with service providers (e.g., cloud hosting, marketing, or debt collection) to manage and enhance our services. These providers operate under strict agreements to use your data only for specified purposes and comply with relevant laws.
      3. Co-Branded Services: For joint promotions or competitions with third parties, we may share your information as part of the service. Your consent will be sought, and the third party’s privacy policy will apply to their use of your data.
      4. Targeted Advertising: We use your information to deliver relevant ads and content. This includes combining data from trusted partners to develop consumer insights and improve personalisation. Shared insights are de-identified and do not include personally identifiable information.
      5. Ad Networks: Third-party ad networks may track your activities across websites and apps to display targeted ads. This includes tracking through automated methods on our platforms and third-party sites to measure the effectiveness of ads.
      6. Legal and Security: We may disclose your information to protect the rights, safety, or property of our company, users, or the public; comply with legal obligations; or address fraud or risk management.
      7. Mergers or Sales: In the event of a business sale, merger, or transfer, your information may be shared with involved parties as part of due diligence or the transaction.
    2. We may share de-identified and aggregated data with third parties, such as advertisers, for analytical or commercial purposes.

Data Retention

    1. We will retain your personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal and regulatory obligations, or resolve disputes (including where you have cancelled your account with us). 
    2. We may also retain your personal information where required to comply with our contractual obligations to third-parties. 
    3. We will destroy or de-identify your personal information once it is no longer required. 

Security of Personal Information

    1. We implement reasonable physical, technical, and administrative measures to protect your personal information from unauthorised access, use, or disclosure, including:

Data Encryption:

All sensitive data, including user account information and payment details, is encrypted in transit and at rest using industry-standard encryption protocols.

Access Controls:

Access to personal information is restricted to authorised personnel only, based on the principle of least privilege.

Account Management:

To manage your account, including granting virtual credits and processing payments.

Secure Storage:

Data is stored on secure servers protected by firewalls and intrusion detection systems.

Employee Training:

Staff are regularly trained on data protection practices and cybersecurity protocols.

Incident Response Plan:

A robust incident response plan is in place to handle potential security breaches effectively and ensure compliance with legal obligations.

Compliance:

Security measures comply with Australian data protection laws and industry standards.

  1. Notwithstanding the measures taken to protect your personal information, no system can be completely secure, and we cannot guarantee absolute security of your data.

Cookies and Tracking Technologies

    1. We use cookies and similar tracking technologies to enhance your experience on the Platform. These may collect information about your browsing activities and preferences. You can manage your cookie preferences through your browser settings.
    2. Our cookies may track information such as your IP address, browser type/version, pages visited and the time you have spent on our site. 

Third-Party Links

    1. The Platform may host links to sites operated by third-party companies, carry advertisements for various parties or offer newsletters, host competitions or functionality that are developed, maintained and provided by these third-party companies. 
    2. We are not responsible for the collection and use of your personal information by these third-party companies. You should check the privacy policy of each of these third-parties to understand how they will collect, hold and use your personal information.  

Accessing and Correcting Your Personal Information

  1. You have the right to access and correct your personal information held by us. To request access or make corrections, please contact us at the details below. We will respond to your request within a reasonable time.
  2. In order to process your request, we may need name and contact details in order to confirm your identity. 

Cross-Border Data Transfers

    1. Finance Differently is only accessible to Australian users, and your data is stored within Australia. If this changes in the future, we will update this policy to ensure compliance with cross-border data transfer requirements.

Complaints

    1. If you believe we have breached the Privacy Act or the APPs, you can contact us at: hello@fdly.au.
    2. We take privacy complaints seriously and will respond promptly, and will endeavour to resolve your complaint as soon as reasonably practicable. 
    3. If you are not satisfied with our response, or have not received a response within 30 days of our complaint, you may contact the Office of the Australian Information Commissioner (www.oaic.gov.au).

Changes to This Privacy Policy

    1. We may update this Privacy Policy from time to time to reflect changes to our practices or for other operational, legal, or regulatory reasons. The updated Privacy Policy will be posted on the Platform, and your continued use of the Platform constitutes your acceptance of the updated terms.

Contact Us

    1. For any questions, concerns, or requests regarding this Privacy Policy, please contact us at:

Privacy Officer: hello@fdly.au

Address: Suite 470, Unit 1, 241 Adelaide Street, Brisbane City QLD 4000