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Financial Services Guide

30 October 2026

1. About this document

This Financial Services Guide (FSG) is designed to assist you in deciding whether the services offered by RentPay Technology Pty Ltd (ACN 636 254 709) (RentPay) as described in this Guide, including who we are, the services and products we provide, what remuneration we may receive, how we manage your personal information, and how you can complain about a matter relating to us.

2. Who we are

RentPay is a corporate authorised representative (Authorised Representative No. 001286725) of True Oak Investments Pty Ltd (ABN 81 002 558 956) (Licensee). The Licensee holds an Australian Financial Services Licence (AFSL 238184).

3. How to contact us

You can contact RentPay by telephone (1300 797 933), via our website (www.rentpay.com.au) or by writing to us at GPO Box 2543 Perth WA 6001.

You can contact the Licensee by emailing hello@trueoakinvestments.com.au.

4. The financial services we provide

As an Authorised Representative of the Licensee, RentPay is authorised to deal in a financial product, by way of arranging for another person to issue, apply for, acquire, vary or dispose of a financial product, in relation to managed investment schemes (excluding IDPS), for retail and wholesale clients.

The approved product that RentPay is authorised to deal in is the Earnr Scheme (ARSN 651 654 715), in accordance with a Technology Interface Agreement in place with Earnr Australia Pty Ltd (ACN 650 455 486, Authorised Representative No. 001293334) (Earnr).

We are not authorised to provide financial advice and as part of the arranging service we have not taken into account your objectives, financial situations or needs.  You should consider the appropriateness of our services in regard to your objectives, financial situation and needs before you enact our service.

5. Security

Security is very important to us.

  • We have comprehensive backup and disaster recovery plans;
  • We comply with internationally recognised quality and excellence standards in management systems.

6. Benefits paid to us and others in connection with our services

Revenue

We earn revenue by:

  • 6.1 Monthly and transaction fees
    We earn revenue by receiving monthly and transaction fees. For information about our fees and charges, please refer to section 10 in Part B: Product Disclosure Statement.
  • 6.2 Third parties
    If you are referred to us, we may pay the referrer a fee calculated based on a fixed amount or a percentage of the total payment amount or amounts.
  • 6.3 Earnr Account
    Where you open an Earnr Account, we may receive a technology interface fee from Earnr Australia Pty Ltd. This fee is paid by Earnr Australia and is not deducted from your Earnr Account.

Staff

We pay our staff a salary. We may also offer monetary or non-monetary incentives to our staff for achieving certain performance targets. Monetary incentives may be set as a fixed amount or a percentage or their base salary.

Licensee Revenue

The Licensee earns revenue by receiving monthly fees from their clients.

7. How you can provide instructions

We accept instructions mainly through the website or the RentPay app.

8. Our compensation arrangements

We have in place a professional indemnity insurance policy that satisfies the requirements for compensation arrangements under section 912B of the Corporations Act 2001.

9. Dispute resolution

If you have a complaint, you can contact RentPay internal dispute resolution via 1300 797 933 or email us at complaints@rentpay.com.au. We will acknowledge your complaint in and endeavour to resolve it promptly. If you are not satisfied with our response, we are a member of the AFCA, an external dispute resolution body who you can contact by telephone (1800 931 678) or by writing to GPO Box 3 Melbourne, VIC 3001.

Our dispute resolution procedure requires that we provide a written final response to the complainant within 30 days (21 days where the complaint relates to a default). For further information on complaints and disputes, our Internal Dispute Resolution policy can be found here.

10. Authorisation

The distribution of this FSG by RentPay has been authorised by the Licensee.