Privacy

Privacy Policy

Effective 20/06/2026.

This policy explains how Fync collects, uses, discloses and protects your personal information, in line with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. It covers our website, our "Ask Fync" chat assistant, and the services we provide.

Who we are

"Fync", "we", "us" and "our" refer to the Fync group of companies: The Fync Group Pty Ltd (ABN 50 151 787 585), which holds Australian Credit Licence 407713; Fync Pty Limited (ABN 29 631 423 624), a Corporate Authorised Representative (CAR 1306237) of Community Broker Network Pty Ltd (AFSL 233750); and FyncX Pty Ltd (ABN 35 631 869 237), a Registered Tax Agent (No. 25965141). Together we provide accounting, tax, bookkeeping, lending, general insurance and website services.

Information we collect

Depending on how you deal with us, we may collect:

• contact and identity details, such as your name, email, phone number, business name and ABN or ACN;
• enquiry details, such as your revenue, the services you are interested in, the plan or package you select, and anything you tell us in a form or message;
• messages you send to our "Ask Fync" chat assistant;
• financial and business information needed to provide our services, such as accounting records, tax information and identification documents;
• payment and bank details where you set up billing; and
• technical information, such as your IP address, when you use our website and chat.

If you engage us for lending or general insurance, we collect additional information and consents set out in our Credit Guide and Financial Services Guide.

How we collect it

We collect personal information directly from you through our website forms, our chat assistant, and by phone and email, and in the course of providing our services. Where you ask us to act for you, we may also collect information from third parties such as the Australian Taxation Office, ASIC, your previous accountant, lenders, insurers and credit reporting bodies.

Why we use it

• to respond to your enquiry and answer your questions;
• to provide, set up and manage the services you ask us for;
• to set up billing and process payments;
• to meet our legal and regulatory obligations, including tax and credit laws; and
• to improve our website, chat assistant and services.

Who we share it with

We do not sell your personal information. We disclose it only where needed to provide our services or meet our obligations, including to:

• technology and service providers who help us run our business, such as our website hosting, email delivery, payment processing and our chat assistant;
• software we use to deliver services, such as accounting and practice software;
• for accounting and tax work, the Australian Taxation Office and ASIC;
• for lending, lenders, our aggregator and credit reporting bodies (see our Credit Guide);
• for general insurance, insurers and our licensee (see our Financial Services Guide);
• professional advisers and regulators, where reasonably required; and
• others where you have consented, or the law requires or permits it.

Our "Ask Fync" chat assistant

Our website includes an AI chat assistant. Messages you send to it are processed by a third-party AI provider located in the United States to generate a response. Please do not enter sensitive personal or financial details into the chat. For anything specific to your situation, contact us directly.

Overseas disclosure

Some of our service providers are located overseas, which means your personal information may be disclosed outside Australia. This includes the United States (our chat assistant and payment processing), the United Kingdom (direct debit processing) and the European Union (email delivery). Where we disclose information overseas, we take reasonable steps to ensure it is handled consistently with the Australian Privacy Principles.

How we protect your information

We take all reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification or disclosure. Access is restricted to those who need it to do their job, and our systems are protected by passwords, encryption and other security measures. We take reasonable steps to destroy or de-identify information when it is no longer needed, subject to the record-keeping periods required by law.

Access, correction and complaints

You can ask us for a copy of the personal information we hold about you, and to correct it if it is wrong, by contacting our Privacy Officer at Fync, Suite 115, Level 12, 121 Castlereagh Street, Sydney NSW 2000, or [email protected].

If you have a privacy complaint, please contact us first and we will work to resolve it. If you are not satisfied, you can contact the Office of the Australian Information Commissioner at www.oaic.gov.au or 1300 363 992.

Changes to this policy

We may update this policy from time to time. The current version is always available on our website.

If you have any questions, please contact us. Our Fync Team is here to help.