Terms of Service

1. Agreement to Terms

By accessing our website or using our services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing our services.

2. About Infin8 Finance Group

Legal Name: Infin8 Finance Group Pty Ltd
ABN: 49 826 798 446
Entity: The Trustee for Infin8 Unit Trust
Australian Credit License (ACL): 509639
AFCA Member

Registered Address:
B1 Casey Business Park
Level 2/66 Victor Cres
Narre Warren VIC 3805
Australia

3. Services Provided

Infin8 Finance Group provides strategic financial advisory services, including:

• Business financial health assessments and analysis
• Strategic financial planning and CFO advisory services
• Credit assistance and lending readiness advisory
• Research-Backed financial analysis and reporting
• Capital structure optimization strategies

All services are provided in accordance with our Australian Credit License and applicable regulations.

4. Nature of Advice

The information and analysis provided through our services is general business advice and strategic guidance, not personal financial product advice. Our reports and recommendations:

• Analyze your business financial position and strategy
• Provide recommendations for business improvement
• May reference lending products and capital structures
• Do not constitute recommendations to acquire specific financial products

5. Research-Backed Analysis

Our services utilize Research-Backed analysis tools to process financial data and generate insights. While we use advanced technology:

• All professionally reviewed content is reviewed by qualified professionals
• AI is used to enhance, not replace, human expertise
• Final recommendations are validated by our Chartered Accountants and licensed advisors
• We disclose the use of AI in our reports and communications

6. Client Obligations

When using our services, you agree to:

• Provide accurate and complete information about your business
• Update us promptly of any material changes to your circumstances
• Review all reports and recommendations carefully
• Seek clarification on any points you don't understand
• Make independent decisions about implementing recommendations
• Maintain confidentiality of your login credentials (if applicable)

7. Fees and Payment

Our fee structure includes:

• Complimentary Review: Free initial assessment with no obligation
• Strategic Clarity: $1,497 (one-time investment)
• Implementation Partner: $2,497 (one-time investment)

All fees are:

• Quoted in Australian Dollars (AUD) and include GST
• Payable before service delivery unless otherwise agreed
• Non-refundable once work has commenced
• Subject to change with notice on our website

8. Intellectual Property

All content on our website and in our reports, including:

• The ISAM (Infin8 Strategic Alignment Model) methodology
• Report templates and formats
• Analysis frameworks and tools
• Website design and content
• Logos, branding, and trademarks

...are the intellectual property of Infin8 Finance Group Pty Ltd and are protected by Australian and international copyright laws.

You may not copy, reproduce, or distribute our content without written permission.

9. Confidentiality and Privacy

We are committed to protecting your privacy and business information:

• All client information is treated as confidential
• We comply with the Privacy Act 1988 and Australian Privacy Principles
• Data is stored securely using industry-standard encryption
• We do not sell or share your information with third parties (except as required by law)
• See our Privacy Policy for full details

10. Limitation of Liability

To the maximum extent permitted by law:

• Our services are provided "as is" without warranties of any kind
• We are not liable for indirect, consequential, or punitive damages
• Our total liability is limited to the fees paid for the specific service
• We are not responsible for decisions you make based on our advice
• We are not liable for losses arising from inaccurate information you provide

11. Professional Indemnity Insurance

We maintain Professional Indemnity Insurance as required under our Australian Credit License. This insurance covers claims relating to our professional services, including those provided by representatives who no longer work for us.

12. Complaints and Disputes

If you have a complaint about our services:

1. Contact Us First: Email advice@infin8finance.online with details of your concern
2. Internal Review: We'll acknowledge your complaint within 24 hours and provide a response within 30 days
3. External Resolution: If not satisfied, contact AFCA (Australian Financial Complaints Authority):
   • Website: www.afca.org.au
   • Email: info@afca.org.au
   • Phone: 1800 931 678
   • Post: GPO Box 3, Melbourne VIC 3001

13. Termination

Either party may terminate the service relationship:

• We may terminate if you breach these terms
• You may terminate at any time by contacting us
• Fees for completed work remain payable
• Confidentiality obligations survive termination

14. Amendments to Terms

We may update these Terms of Service from time to time. Updates will be:

• Posted on our website with a new "Last Updated" date
• Effective immediately upon posting
• Applicable to all future services
• Notified to existing clients for material changes

Your continued use of our services after updates constitutes acceptance of the revised terms.

15. Governing Law

These Terms of Service are governed by the laws of Victoria, Australia. Any disputes will be subject to the exclusive jurisdiction of the Victorian courts.

16. Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

17. Contact Information

18. Acknowledgment

By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service, and that you have read our Financial Services Guide and Privacy Policy.