1. Our Commitment to Privacy

a. Francom Group is committed to managing personal information in an open and transparent way, in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

b. This policy (Privacy Policy) explains, in clear terms, the types of personal information we collect, how we collect and use it, how it is stored and protected, and how individuals can access, correct or make a complaint about the handling of their personal information.

 

2. Background

a. Francom Group (“us”, “we”, or “our”) operates the website https://www.francomgroup.com and provides a range of solutions in legal, credit, franchising, finance and compliance (“Website and Solutions”). Francom Group use your data to provide and improve the Website and Solutions. This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Website and Solutions and the choices you have associated with that data.

b. Your use of our Website and Solutions constitutes a consent to Francom Group’s Privacy Policy. Francom Group’s Privacy Policy is to be read in conjunction with Francom Group’s Terms and Conditions. If you do not consent to Francom Group’s Privacy Policy and Terms and Conditions, then please do not browse, access or use the Website and Solutions.

c. For the avoidance of any doubt, Francom Group is compromised of the following subsidiaries and/or associated entities: FCG Group Holdings Pty Ltd, FCG Management Holdings Pty Ltd, PF Management Group Pty Ltd, PF Australia Pty Ltd, Panthera Finance Pty Ltd, Panthera Finance NZ Pty Ltd, Panthera Finance (VIC) Pty Ltd, State Mercantile Pty Ltd, Australian Receivables Portfolio Pty Ltd, Francom Receivables Management Pty Ltd, Francom Receivables Finance Pty Ltd, ARL Collect Pty Ltd, ARL (NZ) Limited, Statewide Mercantile Services Pty Ltd, Forbes Dowling Lawyers Pty Ltd, National Revenue Corporation Pty Ltd, Finflow Solutions Pty Ltd, Billchaser Pty Ltd, Receivables People Solutions Pty Ltd, Francom Legal Pty Ltd, Francom Finance Pty Ltd, Francom Consulting Pty Ltd, DebtCo Pty Ltd trading as Francom Credit Solutions, Debtco NZ Pty Ltd, FEI Finance Pty Ltd, Francom Recruitment Pty Ltd, Esquire Events Pty Ltd, Munkbury Pty Ltd and O’Connor Trading Pty Ltd, Francom Receivables Assistance Pty Ltd(“Francom Group”).

 

3. Collection of Personal Information

3.1 Types of Personal Information we collect.

a. The types of personal information that Francom Group may collect and hold include, but are not limited to:

• • • names and contact details (such as email address, telephone number and address).
    • financial, transactional and credit-related information (where permitted by law).
    • technical and usage information relating to our Website and Solutions; and
    • other personal information provided when individuals interact with us.

b. In limited circumstances, Francom Group may also collect sensitive information, where required or permitted by law.

c. For the purpose of our Website and Solutions and this Privacy Policy, Francom Group is a Data Controller of your personal data.

• • • A Data Controller is a natural or legal person who, either alone, jointly or in common with other persons, determines the purpose for which and the manner in which any personal information is, or is to be, processed.

d. Francom Group may use the services of various Service Providers (or Data Processors) in order to process your data more effectively.

• • • A Data Processor (or Service Provider) is a natural or legal person who processes the data on behalf of the Data Controller when accessing our Certain information submitted by you may be retained by us. Submission of information will be transmitted to us via email, which in turn may be collected by a third party. In addition, some of your contact details may be stored in a database online.

e. The nature of personal information collected and stored by Francom Group is dependent on the types of services utilised and the personal information provided by you. Personal information which you provide may include, but is not limited to, your name, contact details, financial information and other personal information when using our Website and Solutions. Personal information may be given by you in a variety of circumstances including, but not limited to, circumstances where you request information from Francom Group or when you make contact with Francom Group.

f. Further, if you’re an existing client, we will be able to view your personal information through our software application and hardware utilised by you as part of your account with us.

 

4. Use of Your Personal Information

a. Francom Group collects, holds, uses and discloses personal information for purposes related to the operation of its business, the provision of services, and as otherwise permitted or required by law.[MH2.1]

b. Upon providing us with information, we may use this information to contact you via email, phone, SMS or social media to provide you with promotional offers. We may use your personal data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. This information will be provided to you by Francom Group upon you requesting this information from us.

c. The information is requested by you when you tick the opt-in box or by implying to us that you consent to us sending you the information by the method in which you supply us with the information or by the type of request made to us by you.

d. We may also collect information on how the Website and Solutions is accessed and used (Usage Data). This Usage Data may include information such as your computer’s Internet Protocol address (for example, IP address), browser type, browser version, the pages of our Website and Solutions that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

e. Francom Group reserve the right to use and store information about your location if you give us permission to do so (“Location Data”). Francom Group uses Location Data to provide features of, improve and customise the Website and Solutions. You may choose to enable or disable location services when you use our Website and Solutions at any time, through your own device settings.

 

5. Privacy Contact

a. Francom Group has appointed a dedicated privacy contact to manage privacy-related enquiries, access requests and complaints.

b. Privacy Officer – Francom Group
Email: privacy@francomgroup.com

c. Individuals may contact us using the details above for any questions relating to this Privacy Policy or the handling of personal information.

 

6. Access to Personal Information

Individuals have the right to request access to, or correction of, the personal information that Francom Group holds about them, in accordance with applicable privacy laws.

You may request to update, delete or access your personal information by contacting us. You may be required to verify your identity, or we may require you to provide us with additional information about your request.
Should we be permitted by law, we may refuse your request. Should we refuse a request, we will provide you with our reasons for doing so.

In the event you seek to update the personal information being held by us and there is a dispute regarding any of the personal information, we will make a note of the particulars of the dispute on the personal information provided by you to us. In the event that you have created an account with Francom Group using our website, you are able to login to your account and view and/or update the personal information provided to us by you.
Should you make a request for us to delete your personal information, please be advised that we may not be obliged to do so or be able to do so, especially in circumstances where your file holds personal information about other customers/clients of Francom Group.

Francom Group reserves its right to charge you a reasonable administrative fee when considering your request.

 

7. Complaints

a. If an individual has a concern or complaint about how Francom Group has handled their personal information, they are encouraged to raise the matter with us in the first instance. We will acknowledge and respond to privacy complaints within a reasonable timeframe.[MH4.1]

b. We would encourage a customer to make direct contact with us should they not be satisfied with the way in which we have dealt with personal information. Upon receipt of your complaint, we will reasonably attempt to deal with your complaint. Should you be of the view that our attempted resolution of your complaint was not reasonable, you may refer your matter to the Office of the Federal Privacy Commissioner at website: www.privacy.gov.au or telephone 1300 363 992.

 

8. International Users

If you are accessing the Website and Solutions from any other region with laws or regulations that govern the collection of personal data or information, its use and disclosure which are different to Australian laws or our privacy policy as incorporated in our Terms and Conditions, then in that event, we wish to advise that by your use of the Website and Solutions you will be transferring your personal information into Australia and that you consent to such transfer.

Your connection to the Website and Solutions will be through Australian servers and all personal and general information collected by us will be processed within Australia where Francom Group servers and internal systems are located.

In limited circumstances, personal information may be accessed or handled by third-party service providers or related entities located outside Australia. Where this occurs, Francom Group takes reasonable steps to ensure that personal information is protected in accordance with applicable privacy laws.[MH5.1]

 

9. General

Francom Group uses Non-Personal Information for the following general purpose: to customise the advertising and content you see, improve our services, conduct research, and provide anonymous reporting for internal and external clients.

 

10. Opt-out

We will provide you with the opportunity to ‘opt-out’ of having your personal identifiable information used for receiving promotional offers when we ask for this information. You may also “opt-out” of receiving our promotional offers by clicking the unsubscribe link or following the instructions included in each communication by us or by contacting us.

You will be notified when your personal identifiable information is collected by any third party that is not our agent/service provider, so that you can make an informed choice as to whether to share your information with that third party.

 

11. Tracking & Cookies Data

We use cookies and similar tracking technologies to track the activity on our Website and Solutions and hold certain information. Cookies are files with small amounts of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyse our Website and Solutions.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Website and Solutions.

 

12. Information Sharing and Disclosure

Francom Group does not rent, trade, or share Personal Information with third parties except to provide products or services you have requested, or when we have your permission, or under the following circumstances:

a. We use other third parties such as a credit card processing company to bill you for goods sold on our website, and an email service provider to send out emails on our behalf. When you sign up for our email list, we will share the necessary amount of personally identifiable information as necessary for the third-party to provide that service, including your name, address, credit card information and email address.

b. We provide Non-Personal Information to interested third parties for the purpose of understanding the usage patterns for certain content, services, advertisements, promotions, and/or functionality of the website.

c. To any entity, court or government body where we are obliged under law to disclose such information.

d. To any person or entity which at the time of providing us with the personal information we have disclosed to you we will provide that information to the named person or entity.

We may also seek to obtain personal or other information from some or all the above so as to allow us to provide our Website and Solutions to you. We obtain this personal and other information from third parties under the assumption that you have made that third party aware of the intended purposes of our collecting, using and disclosing personal or other information and that the third party has been made aware of your referral to us of them. It will be your responsibility to ensure that you have made the above disclosure to the relevant third party.

Keep in mind that any personal information, or comment that you voluntarily disclose on the website, for example on comment pages, or on the blog forums, become publicly available. Your account name is displayed to other users when you send and/or post messages through the website. Please note that any comment or other content you post or send to the website becomes published content and is not considered personally identifiable information subject to this Privacy Policy.

 

13. Disclosure and Use of Information for Credit Reporting

Any information provided to, generated by or obtained by Francom Group (including personal information and confidential information) may be used or given to any credit reporting body, including in relation to any dishonoured payments or in respect of any proceedings commenced as a result of dishonoured payments or serious credit infringement.

Francom Group will inform you of the intention to and disclosure of information to a credit reporting body and you authorise such a disclosure.

Francom Group may obtain a report on your commercial or consumer credit worthiness from a credit reporting body at any time, and from time to time. Francom Group may prove or obtain from any credit reporting body information about your commercial or consumer credit worthiness or arrangements in accordance with the Privacy Act 1988 (Cth).

 

14. Website Visit Information

Visiting our website requires the collection of general and personal information. The collection of such information may be executed by our third-party contractors, which collect information regarding your visit to our website and includes the pages you accessed, the information downloaded, the date and time of your visit and your server address. Such information is collected for statistical purposes and assists us in keeping up the quality of our website and its convenience for our users.

 

15. Service Providers

Francom Group may employ third party companies and individuals to facilitate our Website and Solutions (“Service Providers“), to provide the Website and Solutions on our behalf, to perform Website and Solutions-related services or to assist us in analysing how our Website and Solutions is used by you.

These third parties have access to your personal data to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose. In any event, Francom Group do not accept any responsibility or liability if a Service Provider uses your Personal Data for any other purpose.

Francom Group reserve the right to use Google Analytics. Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Website and Solutions. This data is shared with other Google services. Google may use the collected data to contextualise and personalise the ads of its own advertising network. You can opt-out of having your activity on the Website and Solutions available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity. For more information on the privacy practices of Google, please visit the Google Privacy & Terms webpage: https://policies.google.com/privacy?hl=en.

 

16. Behavioural Remarketing

Francom Group reserves the right to use behavioural remarketing services to advertise on third party websites to you after you visited our Website and Solutions. We and our third-party vendors use cookies to inform, optimise and serve ads based on your past visits to our Website and Solutions.

Francom Group reserves the right to use Google Google AdWords is a remarketing service provided by Google Inc. You can opt-out of Google Analytics for Display Advertising and customize the Google Display Network ads by visiting the Google Ads Settings page: http://www.google.com/settings/ads. Google also recommends installing the Google Analytics Opt-out Browser Add-on – https://tools.google.com/dlpage/gaoptout – for your web browser.

Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics. For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en.

Francom Group reserves the right to use X is a remarketing service provided by X Corp. You can opt- out from X’s interest-based ads by following their instructions: Interest-based opt-out policy

You can learn more about the privacy practices and policies of X by visiting their Privacy Policy page: Rules and policies

Francom Group reserves the right to use Facebook is a remarketing service is provided by Facebook Inc. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices/. For more information on the privacy practices of Facebook, please visit Facebook’s Data Policy: https://www.facebook.com/privacy/explanation.

Francom Group reserves the right to use Instagram is a remarketing service provided by Instagram Inc. You can learn more about interest-based advertising from Instagram by visiting this page: https://help.instagram.com/402411646841720. If you have any questions about Instagram’s privacy policy or the service, please find the appropriate support channel in Instagram’s Help Centre at which to contact us.

Francom Group reserves the right to use AdRoll is a remarketing service is provided by Semantic Sugar, Inc. You can opt-out of AdRoll remarketing by visiting this AdRoll Advertising Preferences web page: http://info.evidon.com/pub_info/573?v=1&nt=1&nw=false. For more information on the privacy practices of AdRoll, please visit the AdRoll Privacy Policy web page: http://www.adroll.com/about/privacy.

 

17. Links to External Websites

We have included links to external websites for your convenience. Francom Group is not aware of and is not responsible and/or liable for the content uploaded or the privacy practices of such external websites. It will be your responsibility to ensure that these websites comply with the relevant laws and privacy practices prior to your intended use of these If you click on a third-party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit.

 

18. Confidentiality and Security

We follow generally accepted industry standards to protect the personally identifiable information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

We limit access to Personal Information about you to employees who we believe reasonably need to access Personal Information to provide products or services to you or to do their jobs.

The security of your personal information is important to us.

 

19. Changes and Updates to the Privacy Policy

Francom Group may update this Privacy Policy at any time in its sole discretion and without prior We will strive to notify you about significant changes in the way we treat Personal Information by sending a notice to the primary email address specified in your account and/or by placing a notice on the website.

 

20. Review of this Policy

This Policy shall be reviewed annually by Operations Manager, CRO and CEO and at any other time considered appropriate by the Managing Director, CRO and/or CEO.

This was last modified in March 2026.