Financial Services Guide

Purpose of This Guide

This Financial Services Guide (FSG) explains the services we provide, how we're paid, and your rights as our client. We're required by law to give you this information before providing any financial services.

In simple terms: This document tells you what we do, how we do it, and what it costs — so you can make an informed decision about working with us.

Who We Are

Infin8 Finance Group Pty Ltd is an Australian financial services company specializing in strategic advisory and credit assistance for small to medium enterprises (SMEs).

• We hold Australian Credit License (ACL) 509639
• Our advisors include Chartered Accountants (CA ANZ members)
• We use research-enhanced analysis with human oversight
• We operate under the ISAM (Infin8 Strategic Alignment Model) methodology

Services We Provide

✓ What We Do

• Strategic Financial Analysis: Assess your business's financial health and growth potential
• Credit Assistance: Help you understand borrowing capacity and lending options
• Cash Flow Optimization: Identify ways to improve working capital
• Benchmarking: Compare your performance to industry standards
• Implementation Support: Guide you through executing recommendations

✗ What We Don't Do

• Provide personal financial product advice
• Recommend specific investment products
• Offer tax advice (we refer to qualified tax professionals)
• Act as a mortgage broker
• Provide legal advice

How We're Paid

Our Fee Structure

• Complimentary Strategic Review: $0 (No hidden costs)
• Strategic Clarity: $1,497 (One-time fee)
• Implementation Partner: $2,497 (One-time fee)

Payment terms: Fees are payable upfront via secure payment processing (Stripe). We do not charge ongoing fees unless you engage us for additional services.

Commissions & Referrals

We may receive referral fees from third parties if we introduce you to other professionals (such as lenders or specialist advisors). Any such arrangements will be disclosed to you in writing before you engage those services.

Your Rights & Our Obligations

Your Rights Include:

• Receiving clear, accurate, and timely information
• Having your personal information protected (see our Privacy Policy)
• Lodging a complaint if you're unsatisfied with our services
• Requesting a copy of your file notes and recommendations
• Canceling services within cooling-off periods where applicable

Our Obligations:

• Act in your best interests when providing credit assistance
• Maintain professional indemnity insurance
• Keep your information confidential and secure
• Provide services efficiently and professionally
• Comply with Australian financial services laws

Use of Technology & AI

We use artificial intelligence (AI) tools to enhance our analysis and provide faster, more comprehensive insights. Important points:

• AI assists but doesn't replace human judgment
• All AI-generated recommendations are reviewed by qualified professionals
• Your data is never used to train AI models
• We maintain full compliance with Australian privacy laws

Complaints & Disputes

We take complaints seriously and aim to resolve them quickly and fairly.

Step 1: Contact Us

Email: hello@infin8finance.online
Post: B1 Casey Business Park, Level 2/66 Victor Cres, Narre Warren, VIC 3805

We'll acknowledge your complaint within 24 hours and aim to resolve it within 5 business days.

Step 2: Internal Review

If you're not satisfied with our initial response, you can request a review by our management team. We'll provide a final response within 30 days.

Step 3: External Dispute Resolution

If we can't resolve your complaint, you can contact the Australian Financial Complaints Authority (AFCA):

Professional Indemnity Insurance

We maintain professional indemnity insurance that complies with the requirements of the Corporations Act. This insurance covers claims relating to our professional services, including those provided by representatives who no longer work for us.

Privacy & Data Protection

We're committed to protecting your privacy. Our Privacy Policy (available at /privacy.html) explains:

• What information we collect
• How we use and protect it
• Your rights regarding your information
• How to access or correct your data

Questions?