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Sample Page

This is an example page. It’s different from a blog post because it will stay in one place and will show up in your site navigation (in most themes). Most people start with an About page that introduces them to potential site visitors. It might say something like this:

Hi there! I’m a bike messenger by day, aspiring actor by night, and this is my website. I live in Los Angeles, have a great dog named Jack, and I like piña coladas. (And gettin’ caught in the rain.)

…or something like this:

The XYZ Doohickey Company was founded in 1971, and has been providing quality doohickeys to the public ever since. Located in Gotham City, XYZ employs over 2,000 people and does all kinds of awesome things for the Gotham community.

As a new WordPress user, you should go to your dashboard to delete this page and create new pages for your content. Have fun!

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

Legal Disclaimer

Last Updated: 1st February 2025
Finance Differently Pty Ltd (“we,” “us,” “our”) provides this website (financedifferently.au) for informational purposes only. By using this website, you acknowledge and agree to the terms of this Legal Disclaimer.
1. General Information Only – No Financial, Legal, or Tax Advice
The content on this website is general in nature and is provided for informational purposes only. It does not constitute legal, tax, or financial advice. The information available:
  • Has been prepared without considering your personal objectives, financial situation, or needs.
  • Should not be relied upon as a substitute for professional financial advice.
  • May not be applicable to your specific circumstances.

Before making any financial decisions, you should:

  • Consider your own objectives and financial situation.
  • Seek professional advice from a qualified financial adviser, tax professional, or legal expert.

2. No Offer or Guarantee of Credit Approval

  • The information provided on this website does not constitute an offer of credit.

  • All loan applications are subject to lender assessment and approval.

  • The approval process, interest rates, loan terms, and conditions may vary between lenders.
  • Lending criteria, eligibility requirements, and affordability assessments may change at any time without notice.

3. Cashback Offers & Promotions

  • Certain lenders may offer cashback promotions, but these are subject to specific terms and conditions set by the lender.
  • Cashback offers may only be available for certain loan products and are not guaranteed.
  • We do not control or influence lender promotions and encourage you to review their terms before proceeding.
4. Loan Product Features & Costs

The examples or scenarios provided on this website:

  • Are illustrative only and do not reflect all possible loan options.
  • Do not take into account all fees, charges, or product features that may apply.
  • May be subject to additional conditions imposed by the lender.
    For Fixed Rate home loans, break costs may apply, and these costs can be significant if:
  • You change or refinance your loan during the fixed rate period.
  • Additional or early repayments are made beyond the allowed limit.

5. Limitation of Liability

  • While we strive to provide accurate and up-to-date information, we make no warranties or guarantees regarding the accuracy, completeness, or reliability of the content.
  • We are not liable for any loss, damage, or financial hardship arising from reliance on the information provided on this website.
  • You are responsible for conducting your own due diligence and seeking independent financial advice before making any decisions.

6. External Links & Third-Party Content

Our website may contain links to third-party websites or services. These links are provided for convenience only, and we:

  • Do not endorse or guarantee the accuracy of third-party content.
  • Are not responsible for any content, terms, or policies of external websites.
  • Encourage you to review the privacy and legal policies of any third-party websites you visit.

7. Changes to This Disclaimer

We reserve the right to update or modify this Legal Disclaimer at any time without prior notice. Any changes will be posted on this page with an updated “Last Updated” date.

8. Contact Information

For any questions regarding this Legal Disclaimer, please contact us at:

  • Email: hello@fdly.au
  • Address: Suite 470, Unit 1, 241 Adelaide Street, Brisbane City QLD 4000

Important Disclosure

OUR COMMITMENT TO SERVICE

We are committed to assisting you find the right finance option based on the information provided by you.

We have the essential qualifications, experience and competency required under the relevant legislation to give you the professional service needed in assessing your financial needs. You can be confident that we will deal with you in a fair and ethical manner and take the time to listen to your requirements and objectives. Once we have established your goals, we will investigate and assess a range of options from our extensive lender panel. Ultimately, our primary aim is to provide you with the finance which we believe is in your best interests.

 

SERVICES WE PROVIDE

We are authorised to arrange loans under the National Consumer Credit Protection Act 2009 (National Credit Act). The National Credit Act regulates the activity of lending, leasing and finance broking.

In situations where you require other services or products that we are not directly authorised to provide, we may also be able to assist you by introducing you with other individuals or organisations that are positioned to offer the complementary products or services relevant to your needs.

 

OUR RESPONSIBLE LENDING OBLIGATIONS

Under the National Credit Act, we are obliged to ensure that any loan or principal increase to a loan we enter with you is suitable to your needs and objectives. To decide this, we will need to ask you some questions in order to assess whether the loan meets these requirements. The law requires us to:

  • make reasonable inquiries about your requirements and objectives;
  • make reasonable inquiries about your financial situation; and
  • take reasonable steps to verify that financial situation.

Credit will be unsuitable if at the time of the assessment, it is likely that at the time the credit is provided:

  • you could not pay or could only pay with substantial hardship; or
  • the credit will not meet your requirements and objectives.

For example, if you can only repay by selling your principal place of residence, it is presumed that the loan will cause substantial hardship unless the contrary is proved.

In order for us to meet our obligations in providing credit assistance activities, it is important that we have all available, accurate, current and relevant information. If you are unable to provide all the information required to assess your personal and financial circumstances, we may not be in a position to make a recommendation to you. Additionally, if you supply us with incomplete or incorrect information that we rely on in making an assessment, we will be unable to make an appropriate assessment, and you may be in breach of your legal obligations to the lender.

If we provide you with credit assistance, you may request a copy of our Preliminary Credit Assessment any time up to 7 years and we must provide you with a copy of the assessment within the following timeframes:

 

ACTING IN YOUR BEST INTERESTS

When providing credit assistance, we are obliged to act in your best interests. This means that any products we recommend to you must be in your best interests, and the reasons for these recommendations will be documented, recorded, explained and provided to you. In order to ensure your best interests have been met, we will assess what product/s and what credit assistance will be in your best interests.

This recommendation will include information about why this is in your best interests and how it is aligned to your needs and objectives.

In the case of actual, potential, or perceived conflicts of interest, we will disclose these to you and prioritise your interests ahead of our own in all circumstances. This includes giving priority to your interests in situations where we know, or ought to reasonably know there is a conflict between the interests of you and the interest of ourselves or a third party.

 

FEES PAYABLE BY YOU TO US OR THE LICENSEE

If a fee is payable by you, this will be disclosed in a Credit Quote. The Credit Quote will outline any fees payable for providing credit assistance and the time that they are payable. If you do not receive a Credit Quote, this will indicate that no fees are payable.

 

FEES PAYABLE BY YOU TO THIRD PARTIES

When the loan application is submitted to the lender of your choice, you may need to pay the lender’s application fee, valuation fees, or other fees that are associated with the loan application process, even if the loan is ultimately unsuccessful. These fees will be detailed in a Credit Proposal Disclosure that we will provide to you once we have collaboratively decided on a loan product.

 

FEES PAYABLE BY US OR THE LICENSEE TO THIRD PARTIES

We may pay fees to call centre companies, real estate agents, accountants, or lawyers and others for referring you to us. These referral fees are generally small amounts in accordance with usual business practice.

These are not fees payable by you. On request you can obtain a reasonable estimate of the amount of the fee and how it is worked out.

From time to time, we may also remunerate other parties through payments, rewards or benefits.

If your Broker is a Credit Representative of the Licensee they may also remunerate third parties in a similar manner.

 

PAYMENTS RECEIVED BY US OR THE LICENSEE

We, and our Licensee or aggregator Mortgage Specialists Pty Ltd (Specialist Finance Group), may receive fees, commissions, or financial rewards from lenders in connection with any finance we arrange for you. These fees are not payable by you.

The commission amount is based on the financed amount and can differ from product to product. On request, we can provide you with a reasonable estimate of these commissions and explain how they are calculated prior to submitting your loan. Specific details of any commission to be received will be included in the Credit Proposal Disclosure that we will provide you with when credit assistance is provided.

Commissions are paid based on a percentage of the loan balance that is drawn down. This percentage is generally calculated net of any amounts you hold in an offset account. The way commissions are calculated and paid to us by lenders may vary. The percentage or value of commission will not influence our decision in the product selection process, as we must, by law, ensure that the loan we recommend is not only suitable for your situation and objectives, but also in your best interest.

If your Broker is a Credit Representative of the Licensee they may receive a whole or part of the commissions received by the Licensee referred to above. This may be paid to us, directly or indirectly, from the Licensee.

From time to time, your Broker may also receive a non-commission benefit by way of training, professional development, entertainment, gift, conference attendance, sponsorship, or entry into a competition run by a lender or my aggregator. This type of benefit is not payable by you. The nature of such arrangements are temporary and the occurrence and amounts are often not readily ascertainable. However, if they are apparent as a result of assisting you with credit assistance, this will be disclosed to you.

 

REFERRERS, DISCLOSURES, BENEFITS AND SERVICES

REFERRERS AND REFERRAL FEES

We may receive referrals from various sources, such as financial planners, accountants, real estate agents, and other parties. If you were introduced or referred to us, we may pay the referrer a commission, fee, or other form of remuneration. Information about any commissions or fees paid to the referrer will be included in the Credit Proposal Disclosure we provide to you.

 

OTHER DISCLOSURES, BENEFITS OR INTERESTS RECEIVED

As part of our commitment with transparency in broking practices and promotion of appropriate client outcomes, we keep a register recording all forms of gifts, hospitality and other related remuneration from any lenders or aggregators. We are prohibited from accepting gifts or inducements over $300.

Any benefit given to your Broker greater than $100 and less than $300 will be recorded in a Gifts/Benefits Register. You may request a copy of this register to provide you with confidence that we have no lender conflicts.

 

CREDIT AND VALUATION REPORTS

We may be provided access to free services such as credit reports and valuations from our lenders. Details of any relevant services we may receive because of a recommendation we make to you, will be included in the Credit Proposal Disclosure we provide to you.

 

CONFLICTS OF INTERESTS AND RELATED PARTIES

MULTIPLE ROLES

We may adopt other roles or functions connected to the credit assistance that is provided to you. While each business activity is distinct, we might receive remuneration when performing our role in the other business activities as a result of the credit assistance provided.

If we are ever in a situation where a conflict of interest prevents us from appropriately conducting our credit assistance activities and acting in your best interests, we will refer you to another party who can provide the necessary services.

Additional information about any relevant remuneration we may earn from our recommendations or other roles will be included in the Credit Proposal Disclosure we provide you.

 

SHAREHOLDING

We may hold shares or other securities, either directly or indirectly, in the lenders we recommend. Information about any material holdings will be included in the Credit Proposal Disclosure we provide to you. If a significant shareholding creates a conflict of interest that we cannot manage, we will refer you to another party who can provide the necessary credit assistance services.

 

OWNERSHIP STRUCTURES

While offering you credit assistance, we may refer you to other businesses such as accountancy practices, financial planning practices, settlement agencies, real estate agencies, etc. If you accept those referrals, we may receive a direct or indirect remuneration or benefit. This remuneration or benefit may be the result of us having roles or relationships in those businesses (and their related entities) such as directorships, shareholder status or other beneficiary relationships. This will be disclosed to you at the time of the referral and there is no obligation to accept the services offered by the other business

If this potential conflict of interest prevents us from acting in your best interest for the purpose of credit assistance, we will avoid making a referral.

Additional information about any relevant or material remuneration we may earn from our referrals will be included in the Credit Proposal Disclosure we provide you.

 

OUR INTERNAL DISPUTE RESOLUTION (IDR) SCHEME

We are committed to providing you with the best possible service. If at any time we have not met our obligations or you have a complaint about the service that we provide, please inform us so we can work towards a resolution. We will endeavour to deal with your complaint promptly, thoroughly and fairly. If you have a complaint, the following steps are available to you:

In the first instance, please contact Kat Marsalek.

We will acknowledge receipt of your complaint within 1 business day. If Kat Marsalek is unable to resolve the complaint to your satisfaction within 5 business days, we will escalate the complaint to the Complaints Officer. You can also contact the Complaints Officer directly as detailed below:

 

COMPLAINTS OFFICER

Name                Mark Norman

Address                  325 Churchill Ave, Subiaco WA 6008, Australia

Phone Number         08 9286 6888

Email                   compliance@spfgroup.com.au

There will be situations where the Complaints Officer is also your Broker. This will not have any impact on the capacity to deal with your complaint effectively or appropriately. We may ask for additional information to ensure your complaint is properly investigated.

Within 30 calendar days from the date you lodged the complaint with us, we will write to you advising you the outcome of the investigation and the reason/s for our decision, or if required, we will inform you if more time is needed to complete the investigation.

 

OUR EXTERNAL DISPUTE RESOLUTION (EDR) SCHEME

If you do not think we have resolved your complaint to your satisfaction, or you have not heard from us within 30 calendar days, you may refer the matter to an EDR scheme. You may also refer the matter to an EDR scheme at any time, but if our IDR process is in still in progress, they may request that our IDR processes be complete before considering the matter further.

The Australian Securities & Investment Commission (ASIC) EDR process is available to you, at no cost at the contact details below.

EDR (LICENSEE)

Name                 AFCA Australian Financial Complaints Authority

AFCA Member Number        42176

Email                       info@afca.org.au

Phone Number                1800 931 678

Address                      GPO Box 3, Melbourne VIC 3001, Australia

 

REPAYMENT DIFFICULTIES

There may be situations where interest rates increase or you may experience changes to your financial situation that were not reasonable, foreseeable or anticipated. If you enter a situation where the repayments are becoming challenging, talk to us as we may be able to negotiate rate reductions through our network of contacts with the lenders.

However, if a rate reduction is not successful and you are struggling to meet the repayments, lenders have hardship teams ready to help clients in tough times. You should call your lender to discuss your options with regards to hardship variations.

Options that may be available are:

  • changing the term of your loan (extending the loan term);
  • arranging a temporarily pause in your repayments; or
  • arranging a temporarily reduction in your repayments.

*Extending the loan term will result in additional interest being payable on the loan for that period, and this needs to be considered in your decision.

The hardship officer at each lender must consider your situation and you will need to explain why you are having difficulties making payments, how long you think your financial problems will continue and how much you can afford to repay.

Your lender must write to you within 21 calendar days to let you know the outcome of your hardship request. If they ask you for more information, they must respond within 21 calendar days from when you provide it.

 

WHERE TO FIND HELP MANAGING DEBTS

Other options are also available if you are ever experiencing financial difficulty. We recommend contacting a financial counsellor who can help you make a plan to financial recovery.

As an example, they may be able to assist you in talking to your utility providers’ hardship teams about paying electricity, gas, phone or water bills in instalments. This may provide a buffer to help you meet your loan repayments.

If you are experiencing difficulties in managing your debt, the following financial counselling services are available to you, at no cost at the contact details below.

 

FINANCIAL COUNSELLING SERVICES

Website                    https://ndh.org.au  https://sbdh.org.au

Phone Number         1800 007 007  1800 413 828

 

THINGS YOU SHOULD KNOW

We don’t provide legal, financial or taxation advice unless specified in a separate contract. It is important you understand your legal obligations under the credit contract, and the financial consequences.

Before you accept your loan offer, make sure you read the credit contract carefully to understand full details of the loan. If you have any doubts, you should obtain independent legal and financial advice before you enter any credit contract.

As a duty of care, we recommend that you seek professional advice in regards to insurance products such as life cover, total and permanent disability (TPD) insurance, trauma insurance and income protection insurance. It is the responsibility of the applicant/s to maintain loan repayments and we strongly recommend that you seek insurance advice with regards to risk management and financial planning.

We will inform you of any potential conflict of interest or relationship that could reasonably be expected to influence our recommendation.

You should ensure that you have approved finance before entering a binding contract to purchase.

We don’t make any promises about the value of any property you finance with us or its future prospects. You should always rely on your own enquiries.

We represent lenders and have obligations to them, in particular not to provide any information we know is misleading or deceptive. We also have obligations under the law to report any fraud, forgery, or other illegal activities. Before using our services, it is important that you understand that we have these obligations to lenders and under the law.

 

QUESTIONS?

If you have any questions about this Credit Guide or anything else about our services, just ask at any time. We’re here to assist you.