1. Parties and agreement
These terms apply to wine and related goods supplied by Fin Wines Pty Ltd (ABN 39 639 218 385) of 119 Lorimers Lane, Dixons Creek, Victoria 3775 (Fin) to the legal entity identified in an approved wholesale account application (Customer).
The agreement for an accepted order consists of these terms, the Customer's approved application, Fin's written credit approval and Fin's written order confirmation. A term in the Customer's purchase order does not apply unless Fin expressly accepts it in writing.
Submitting an application does not approve credit, require Fin to accept an order or guarantee that requested terms or limits will be granted. The person submitting the application represents that they are authorised to provide the information and bind the Customer to these terms.
2. Customer information and liquor authority
The Customer must provide its correct legal name, entity type, ABN and, where applicable, ACN and trustee or partnership details. It must promptly tell Fin about a material change to its legal identity, ownership, addresses, accounts contact or authority to purchase liquor.
The Customer is responsible for holding every licence, permit or authority required for its purchase, possession, resale or supply of liquor. Where Fin asks for licence details, the Customer must provide current and accurate information and notify Fin if the authority is suspended, cancelled, varied or not renewed. Fin may verify those details and refuse or suspend supply where it reasonably believes supply may be unlawful.
3. Credit approval and limits
Requested terms and limits are requests only. Fin will separately notify the Customer of approved payment terms and a credit limit.
Unless Fin approves otherwise in writing, invoices supplied on credit are payable 14 calendar days from the invoice date. Prepaid or cash-on-delivery supply may be required before a credit account is approved.
The credit limit is the maximum unpaid exposure Fin is willing to permit, not a commitment to supply that amount. Fin may reasonably reduce, suspend or withdraw unused credit, or require prepayment for future orders, if an amount is overdue, the Customer breaches the agreement, insolvency occurs or appears reasonably likely, information supplied is materially inaccurate, or a credit review gives Fin reasonable concern about payment. Where practicable, Fin will give written notice. A change does not retrospectively alter the due date of an invoice already issued.
4. Orders, price and delivery
An order binds Fin only when Fin confirms it in writing or dispatches the goods. Goods remain subject to availability.
The price, GST, Wine Equalisation Tax treatment, freight and minimum-order requirements are those in the applicable written price list or order confirmation. Fin may change prices for future orders by giving reasonable notice; a change does not affect an order already accepted.
Unless an order confirmation states otherwise, title and risk pass to the Customer on delivery to the nominated address, or when the goods are handed to the Customer's nominated carrier if the Customer arranges freight.
The Customer should notify Fin of an apparent shortage, damage or non-conformity within five business days and provide reasonable supporting information. This does not exclude a claim that could not reasonably have been identified within that period or a right that cannot lawfully be excluded. Fin will assess a supported claim and provide an appropriate replacement, credit or refund.
5. Payment and disputes
The Customer must pay each invoice in cleared funds by its due date. Xero is Fin's source of truth for invoices, payments, outstanding balances and overdue balances.
If the Customer disputes an invoice in good faith, it must promptly give Fin written reasons and pay the undisputed portion on time. Fin and the Customer will work reasonably to resolve the dispute.
Fin does not charge contractual late-payment interest under this version. Fin may suspend new supply on credit or require prepayment while an amount is overdue.
6. Account holds and payment plans
Fin may place an account on hold when an undisputed amount remains unpaid for 30 calendar days after its due date, or where another reasonable credit-risk ground in section 3 applies. A hold pauses new supply on credit but does not change amounts already owing. Fin may disregard an immaterial balance or a documented reconciliation error.
Fin will tell the nominated accounts contact about a hold when it contacts the Customer about the overdue balance or when the hold affects a proposed order. An automated Airtable status does not itself contact the Customer, waive Fin's rights or prove that an amount is owed.
Fin will remove a hold only after a named Fin approver confirms cleared payment in Xero or approves another documented resolution. Holds are never cleared automatically.
A payment plan is effective only when the total balance, instalment amounts, due dates, interest treatment, account status and consequences of default are recorded in writing and accepted by an authorised representative of the Customer and a Fin director. An oral discussion does not create or vary a payment plan. Fin may reinstate a hold or seek the unpaid balance after a missed instalment, subject to the written plan and applicable law.
7. Credit-risk approach
Under this version, Fin does not rely on retention of title, a security interest in supplied wine or PPSR registration for ordinary wholesale accounts. The Customer may use and resell supplied wine in the ordinary course of its business.
Fin manages exposure through credit limits, payment terms, Xero accounts-receivable monitoring, account holds, prepayment and written payment plans. Fin may request a separate personal guarantee or obtain trade credit insurance for a particular account, but neither applies unless separately documented and approved.
8. Reasonable recovery costs
If the Customer fails to pay an undisputed amount when due, it must reimburse Fin for reasonable, properly incurred external costs directly associated with recovering that amount, to the extent permitted by law. Fin will provide reasonable particulars on request. This clause does not impose a penalty or require payment of internal administration costs, unreasonable costs, unrelated costs or costs prohibited by law.
9. Business and company checks
The Customer authorises Fin to verify the application and manage trade-credit risk using lawful business and company searches, ABR or ASIC information, relevant liquor-licensing registers and trade references supplied by the Customer.
This authority does not permit Fin to obtain an individual's consumer credit report. If Fin wishes to conduct a regulated individual credit check or require a personal guarantee, it will use a separate process and obtain any additional information, notice and consent required for that process.
The applicant must be authorised to provide another person's contact details and must make that person aware of Fin's Privacy Collection Notice.
10. Privacy
Fin will handle personal information consistently with the Privacy Collection Notice presented with the application and its published privacy policy. Marketing consent is separate and optional.
11. Statutory rights and liability
Nothing in these terms excludes, restricts or modifies a right, guarantee or remedy that cannot lawfully be excluded, restricted or modified.
To the extent permitted by law, neither party is liable to the other for indirect or consequential loss that was not reasonably foreseeable when the relevant order was accepted. This does not exclude the Customer's obligation to pay for goods supplied or any liability that cannot lawfully be limited.
12. Suspension, closure and changes
Either party may close the credit account on 14 days' written notice. Fin may suspend supply immediately where reasonably necessary because of illegality, material default, overdue debt or insolvency risk. Closure does not extinguish accrued obligations.
Fin may change these terms for future orders by giving at least 30 days' written notice, the new version and its effective date. The previous version continues to govern orders accepted before the new version takes effect. A Customer that does not accept a material change may close its account before the change takes effect.
13. General
These terms are governed by Victorian law. The parties submit to the non-exclusive jurisdiction of Victorian courts and courts hearing appeals from them.
Notices may be sent to the nominated email addresses. Fin's notice email is drink@finwines.com.au.
The Customer may not transfer its account without Fin's written consent. Fin may assign a receivable where permitted by law and will give notice where required. Failure to exercise a right is not a waiver. If a provision is unenforceable, it is severed only to the minimum extent necessary.
Electronic acceptance is intended to identify the applicant and record their adoption of these terms. Fin retains the legal entity, applicant name and authority, document code, acceptance timestamp and application reference with an archived copy or digest of the accepted document.
FIN WINES · PRIVACY
Privacy Collection Notice — Wholesale Account Applications
Version FW-WT-2026-01
Fin Wines Pty Ltd (ABN 39 639 218 385) collects the personal information submitted with a wholesale application, including applicant and contact names, roles, contact details, business addresses, trade references and liquor-licence information.
Fin collects this information to identify the applicant and Customer, assess and administer trade credit, verify business and liquor-authority information, communicate about the application and account, manage orders and accounts, monitor payment risk and recover overdue amounts. If required information is not provided, Fin may be unable to assess or approve the application.
Fin may collect or verify information from the applicant, other people whose details the applicant supplies, public business and company registers, liquor regulators and nominated trade references. Anyone supplying another person's details must be authorised to do so and must make that person aware of this notice.
Fin may disclose relevant information to staff and contractors who administer accounts and to service providers used for hosting and security, workflow records, transactional email and accounting. At launch these include Cloudflare, Airtable, Resend and Xero. Shopify may host the Fin website page containing or linking to the application. Information may also be disclosed to professional advisers, insurers, debt-recovery providers or authorities where reasonably necessary or required by law.
Some providers process information outside Australia. In particular, Airtable's default customer-data region is the United States, and Cloudflare and other providers may process information through international operations. Provider locations and subprocessors may change. Fin will maintain a current internal provider register and update this notice when a material change affects likely overseas disclosures.
Fin's working retention schedule is:
- approved-account applications, acceptance evidence and material account records: while the account is active and for seven years after closure;
- declined or withdrawn applications: two years after the decision, unless a dispute or legal requirement reasonably requires longer retention;
- operational and security logs: normally up to 90 days, unless required to investigate an incident or meet a legal obligation.
Fin may retain limited backup copies for a provider's normal backup cycle. When information is no longer required, Fin will take reasonable steps to delete or de-identify it.
An individual may request access to or correction of their personal information, or make a privacy complaint, by emailing drink@finwines.com.au. Fin will acknowledge a complaint and respond within a reasonable period. If the Privacy Act 1988 (Cth) applies and the person is dissatisfied with Fin's response, they may contact the Office of the Australian Information Commissioner.
Reading this notice is not consent to marketing. The general business-check authority does not authorise access to an individual's consumer credit report; any such process requires separate notice and consent.