Privacy Policy

Last Updated: November 5, 2025

Effective Date: November 5, 2025

1. Information We Collect

1.1 Personal Information

We collect the following types of personal information:

• Contact Information: Name, email address, phone number, business address
• Business Information: Company name, ABN, industry, revenue, number of employees
• Financial Information: Financial statements, cash flow data, debt obligations, asset valuations (for advisory services)
• Assessment Data: Responses to strategic assessment questions, business health metrics
• Technical Information: IP address, browser type, device information, cookies

1.2 How We Collect Information

We collect personal information through:

• Website forms (contact forms, assessment tools)
• Email correspondence
• Phone conversations
• Client meetings (in-person or virtual)
• Document uploads and file sharing
• Third-party tools (ScoreApp, sim.ai, HeyGen)
• Cookies and website analytics

2. How We Use Your Information

We use your personal information for the following purposes:

2.1 Primary Purposes

• Service Delivery: Provide strategic business advisory and credit assistance services
• Assessment Reports: Generate Strategic Alignment (ISAM) assessments using AI-assisted analysis with human oversight
• Client Communication: Respond to inquiries, send reports, schedule consultations
• Advisory Services: Provide personalized strategic recommendations and capital structure advice

2.2 Secondary Purposes

• Service Improvement: Analyze anonymized data to improve assessment methodologies
• Marketing: Send relevant service information (with your consent, opt-out available)
• Legal Compliance: Meet obligations under ACL 509639, ASIC regulations, AML/CTF requirements
• Record Keeping: Maintain records as required by law (7 years minimum)

3. AI Usage Disclosure

3.1 How AI is Used

• Processing assessment responses to calculate ISAM scores
• Identifying patterns and benchmarking against industry data
• Generating initial draft recommendations
• Creating scenario models and financial projections

3.2 Human Oversight

All AI-generated outputs are reviewed, validated, and approved by qualified professionals before delivery to clients. Your data is used solely for your assessment and is not used to train AI models without your explicit consent.

4. Information Sharing and Disclosure

4.1 We Share Information With:

• Service Providers: ScoreApp (assessment platform), sim.ai (workflow automation), PDF Monkey (report generation), Google Workspace (file sharing)
• Professional Advisors: Legal, accounting, or consulting firms assisting with your engagement (with your consent)
• Lenders: Only with your explicit written authorization when facilitating credit applications
• Regulatory Bodies: ASIC, AUSTRAC, or other authorities as required by law

4.2 We Do NOT:

• Sell your personal information to third parties
• Share your information for marketing purposes without consent
• Use your data to train AI models accessible by other parties
• Disclose confidential business information without authorization

5. Data Security

5.1 Security Measures

We protect your personal information using:

• SSL/TLS encryption for data transmission
• Secure servers hosted in Australian datacenters
• Access controls and password protection
• Regular security audits and updates
• Staff training on privacy and data protection

5.2 Data Retention

We retain your personal information for:

• Active Clients: Duration of engagement + 7 years (regulatory requirement)
• Prospective Clients: Assessment data retained for 2 years unless deletion requested
• Marketing Contacts: Until you opt-out or request deletion

6. Your Rights

Under the Australian Privacy Principles, you have the right to:

6.1 Access

Request access to the personal information we hold about you. We will provide this within 30 days, subject to identity verification.

6.2 Correction

Request correction of inaccurate or incomplete information. We will update records within 30 days of verified request.

6.3 Deletion

Request deletion of your personal information, subject to legal record-keeping requirements. Note: We must retain certain information for 7 years under ACL obligations.

6.4 Opt-Out

Unsubscribe from marketing communications at any time using the "unsubscribe" link in emails or by contacting us directly.

6.5 Data Portability

Request a copy of your data in a structured, commonly used format for transfer to another service provider.

7. Cookies and Tracking

7.1 Cookies We Use

• Essential Cookies: Required for website functionality (e.g., form submission)
• Analytics Cookies: Google Analytics to understand website usage (anonymized)
• Marketing Cookies: (Optional) Facebook Pixel, LinkedIn Insight Tag (with consent)

7.2 Managing Cookies

You can control cookies through your browser settings. Disabling essential cookies may limit website functionality.

8. Third-Party Services

8.1 Service Providers We Use

• ScoreApp: Assessment platform (data processed in Australia/EU)
• sim.ai: Workflow automation (data processed in Australia)
• Google Workspace: File sharing and collaboration (data stored in Australia)
• HeyGen: Video hosting (data processed in USA - disclosure provided)

8.2 International Transfers

Some service providers may process data outside Australia. We ensure these providers comply with APP standards or are covered by cross-border data flow arrangements.

9. Complaints and Contact

9.1 Privacy Concerns

If you have concerns about how we handle your personal information:

1. Contact our Privacy Officer: privacy@infin8finance.online
2. We will investigate and respond within 30 days
3. If unsatisfied, you can contact the Office of the Australian Information Commissioner (OAIC)

9.2 Contact Information

Privacy Officer
Infin8 Finance Group Pty Ltd
Email: privacy@infin8finance.online
Mail: Level 2/66 Victor Cres, Narre Warren VIC 3805

9.3 OAIC Contact

Office of the Australian Information Commissioner
Website: www.oaic.gov.au
Phone: 1300 363 992
Email: enquiries@oaic.gov.au

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect:

• Changes in law or regulation
• New services or technologies
• Improved privacy practices

Material changes will be communicated via:

• Website notification (30 days' notice)
• Email to active clients
• Updated "Last Updated" date at top of policy

11. Children's Privacy

Our services are designed for businesses and business owners aged 18+. We do not knowingly collect personal information from individuals under 18. If you believe we have inadvertently collected such information, please contact us immediately for deletion.

12. Additional Disclosures

12.1 Credit Information

As a credit licensee (ACL 509639), we handle credit information in accordance with Part IIIA of the Privacy Act 1988. This includes:

• Credit eligibility information
• Credit-related personal information
• Compliance with Credit Reporting Privacy Code

12.2 Professional Indemnity

We maintain professional indemnity insurance covering data breaches and privacy violations as required under our Australian Credit Licence.

13. Consent

By using our website, submitting assessment forms, or engaging our services, you consent to:

• Collection of personal information as described in this policy
• Use of AI-assisted analysis with human oversight
• Storage and processing of data by authorized third-party service providers
• Communication via email, phone, or other agreed channels

You can withdraw consent at any time by contacting us, subject to legal record-keeping obligations.

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