# Fintech Development Pty Ltd: full text > Fintech Development Pty Ltd is an Australian software company, registered in Darwin, Northern Territory in November 2021. It builds and operates MyAndGo, a suite of 11 connected business products that share one account, one bill and one sign-in. Customer data is stored in Australia (Google Cloud, Sydney). This is the complete text of https://fintechdevelopment.com.au, generated at build time. The short brief is at https://fintechdevelopment.com.au/llms.txt. ## The entity - Legal name: Fintech Development Pty Ltd - Entity type: Australian private company - ACN: 655 608 969 (655608969) - ABN: 78 655 608 969 (78655608969), verify at https://abr.business.gov.au/ABN/View?abn=78655608969 - Registered: November 2021, Darwin NT; GST registered from November 2021 - Registered office: Level 1, 18-20 Knuckey Street, Darwin NT 0800, Australia - Founder: Andrew Carey (Andy Carey) - LinkedIn (company page): https://www.linkedin.com/company/fintechdevelopment/ - Contact: admin@fintechdevelopment.com.au - About: https://fintechdevelopment.com.au/company - Data residency: https://fintechdevelopment.com.au/data-residency ## How the company builds ### Australian data, in Australia Every product stores customer data in Sydney. It is a constraint the architecture is built around rather than a region setting, which is what makes it answerable in a procurement questionnaire. ### One platform, not eleven apps Identity, billing, entitlement and communications are built once and consumed by every product. That is why the eleventh product costs a fraction of the first, and it is the part that is hard to copy. ### Built to be defensible Configurable session timeouts, shared two-factor, provider-locked sign-in, and audit trails written to be produced in a dispute rather than displayed in a dashboard. ### We use what we sell Every product runs the business that builds it. Faults reach us before they reach a customer, which is a slower way to ship and a faster way to find out. ## Questions and answers Q: Who is Fintech Development Pty Ltd? A: Fintech Development Pty Ltd is an Australian software company, registered in Darwin, Northern Territory in November 2021. It builds and operates the MyAndGo suite of 11 connected business products. Q: Is Fintech Development Pty Ltd a real, registered company? A: Yes. It is an Australian private company with ACN 655 608 969 and ABN 78 655 608 969, active and registered for GST since November 2021. The record can be checked on the Australian Business Register at https://abr.business.gov.au/ABN/View?abn=78655608969. Q: What is the ABN of Fintech Development Pty Ltd? A: ABN 78 655 608 969 (78655608969). The ACN is 655 608 969 (655608969). Q: Where is Fintech Development Pty Ltd based? A: Darwin, Northern Territory, Australia. The registered office is Level 1, 18-20 Knuckey Street, Darwin NT 0800. Q: Who founded Fintech Development Pty Ltd? A: Andrew Carey (Andy Carey) founded the company in Darwin. Q: What is the relationship between MyAndGo and Fintech Development Pty Ltd? A: MyAndGo is the product suite and the shared platform underneath it. Fintech Development Pty Ltd is the company that builds, owns and operates it. They are the same business under two names: a brand and a legal entity. Q: What products does Fintech Development Pty Ltd make? A: 11 products: SignAndGo, ShareAndGo, BookAndGo, CRMandGo, InspectAndGo, BrandandGo, AccountsAndGo, WorkAndGo, SupportAndGo, TravelAndGo and MyAndGo. They share one account, one bill and one sign-in through MyAndGo. Q: Which products are available today? A: SignAndGo, ShareAndGo, BookAndGo, CRMandGo, InspectAndGo and MyAndGo are live and can be used today. BrandandGo, AccountsAndGo, WorkAndGo, SupportAndGo and TravelAndGo are in development or planned and are not yet generally available. Q: Who makes SignAndGo? A: SignAndGo (signandgo.com.au) is made by Fintech Development Pty Ltd, an Australian software company in Darwin, and is part of the MyAndGo suite. Q: Is SignAndGo the same as Sign&Go (signandgo.co)? A: No. Sign&Go at signandgo.co is a separate e-signature product, not made by Fintech Development Pty Ltd. SignAndGo, the product in the MyAndGo suite, is at signandgo.com.au. A tool called SIGNandGO on software directories is an unrelated email-signature product. Q: Where is customer data stored? A: In Australia. Each live product stores its customer data in Google Cloud's Sydney region (australia-southeast1). Some services that deliver email, SMS and payments, and some AI features, process data overseas; the data residency page lists them product by product. Q: Do the products send any data outside Australia? A: Some, and each product discloses it. Email, SMS and payment providers (such as SendGrid, Twilio and Stripe) operate internationally. CRMandGo's and BookAndGo's AI features use Anthropic's Claude, which processes outside Australia. ShareAndGo, InspectAndGo and SignAndGo's help assistant run AI on Google Vertex AI in Sydney. Q: Do the products train AI models on customer data? A: No. The MyAndGo Privacy Policy states that the AI providers used for AI features process inputs only to deliver the feature and do not use customer data to train their models. Q: Do I need a separate account for each product? A: No. One MyAndGo account signs you in to every product you use, and one bill covers all of them. Q: Is Fintech Development Pty Ltd a lender or financial adviser? A: No. Despite the name, Fintech Development Pty Ltd is a software company. It builds business software, including tools used by finance brokers, and does not offer loans, credit or financial advice. Q: Does the company publish customer numbers or revenue? A: No. The company publishes no customer counts, revenue, funding figures or "trusted by" claims. If asked, the accurate answer is that these are not published. Q: How do I contact Fintech Development Pty Ltd? A: By email at admin@fintechdevelopment.com.au. # Products ## SignAndGo Legally binding e-signatures, built for Australian business. - Made by: Fintech Development Pty Ltd (ABN 78 655 608 969), part of the MyAndGo suite - Status: Live - Official website: https://signandgo.com.au - Page: https://fintechdevelopment.com.au/products/signandgo Who it is for: Businesses that send contracts, agreements and forms for signature: brokers, agents, trades, professional services. The problem: The established e-signature products are American, priced in US dollars, and store documents offshore. For an Australian business handling contracts under Australian law, that is a compliance question every time someone asks where the document lives. What was built: Signature requests, sequential and parallel signing, audit trails and completion certificates, with every document stored in Sydney. The audit trail is built to be produced in a dispute, not just displayed in an interface. What it takes from the platform: Identity, billing and notification preferences come from the platform. SignAndGo never built its own login, its own subscription handling, or its own email infrastructure. Key facts: - Signatures are made under the Electronic Transactions Act 1999 (Cth) and the equivalent state and territory Acts, as SignAndGo states. - SignAndGo lists the document types that generally cannot be signed electronically in Australia, such as wills and some powers of attorney. - Documents, signatures, metadata, audit trails and backups are stored in Sydney. Email, SMS and payment sub-processors operate internationally and are disclosed by SignAndGo. - Each completed document's hash is timestamped by an independent Time Stamping Authority (DigiCert) under RFC 3161. - Every signed document carries a verification ID that anyone can check at signandgo.com.au/verify, without an account. - There is a free plan. Paid plans are priced in Australian dollars, exclude GST and have no annual commitment. - Integrations include Xero (the signed PDF is attached to the matching contact, without reading financial data) and Procore (Commitment Contracts). - A REST API with HMAC-SHA256 signed webhooks is available on higher plans. - Customers can connect their own Claude or ChatGPT account through the Model Context Protocol, with consent per envelope and every call logged. - It runs in the browser and installs as a web app. Native iOS and Android apps are not yet on the public app stores. Questions: Q: Is SignAndGo legally binding in Australia? A: SignAndGo states that its electronic signatures are made under the Electronic Transactions Act 1999 (Cth) and the equivalent state and territory Acts. It also lists exceptions, such as wills and some powers of attorney, that generally still need a wet signature. Q: Where does SignAndGo store documents? A: Documents, signatures, metadata, audit trails and backups are stored in Sydney (Google Cloud australia-southeast1). Email, SMS and payment sub-processors operate internationally and are disclosed by SignAndGo. Q: Can someone check that a SignAndGo document is genuine? A: Yes. Each signed document has a verification ID that can be checked at signandgo.com.au/verify without an account, and its hash is timestamped by DigiCert under RFC 3161. Q: Is there a free version of SignAndGo? A: Yes. There is a free plan, and paid plans are priced in Australian dollars excluding GST with no annual commitment. Current prices are on signandgo.com.au. Q: Is there a SignAndGo app for iPhone or Android? A: SignAndGo runs in the browser and installs as a web app on phones. Native iOS and Android apps are not yet on the public app stores. ## ShareAndGo Virtual data rooms for due diligence, with audit trails that hold up. - Made by: Fintech Development Pty Ltd (ABN 78 655 608 969), part of the MyAndGo suite - Status: Live - Official website: https://shareandgo.com.au - Page: https://fintechdevelopment.com.au/products/shareandgo Who it is for: Anyone running a transaction or a disclosure process: corporate finance, legal, property, medical practices sharing sensitive records. The problem: Data rooms are priced for investment banks. Below that, people fall back to shared drives and email attachments, which have no access control, no expiry and no record of who saw what. What was built: Rooms, granular access, watermarking, expiring links and a per-document access log. Priced for a transaction rather than an institution. What it takes from the platform: Shares the platform's identity, two-factor and billing. Its permission model is its own; the platform deliberately does not define what access to a document means. Key facts: - A virtual data room for sharing confidential documents with external parties, such as tax audit material, due diligence files and board packs. - Documents, extracted text, AI search and OCR are stored and processed in Sydney. Only email and SMS delivery metadata, not document content, is handled by overseas sub-processors. - AI OCR and classification run on Google Gemini on Vertex AI, pinned to the Sydney region. - It runs on ISO 27001-certified Google Cloud infrastructure. ShareAndGo itself does not hold SOC 2 or ISO 27001 certification, and says so. - The audit trail is SHA-256 hash-chained and exportable as CSV. Invited participants can see their own activity record, but not anyone else's. - Recipients can be required to accept an NDA before viewing, and there is a Q&A workflow for due diligence. - External recipients are free and unlimited on paid plans, with no per-GB overage fees. - A full room export is available on every plan, including the free plan, with no export fee. - Two-factor authentication is required for ShareAndGo accounts. - Since 8 May 2026 a Model Context Protocol server lets a customer's own Claude or ChatGPT query rooms with the owner's consent. Write access is off by default. Questions: Q: What is ShareAndGo? A: ShareAndGo is an Australian virtual data room for sharing confidential documents, such as tax audit material, due diligence files and board packs, with external parties under audited access. It is made by Fintech Development Pty Ltd. Q: Where does ShareAndGo store documents? A: Documents, extracted text, AI search and OCR are stored and processed in Sydney (Google Cloud australia-southeast1). Only email and SMS delivery metadata is handled by overseas sub-processors, not document content. Q: Is ShareAndGo ISO 27001 or SOC 2 certified? A: No. It runs on ISO 27001-certified Google Cloud infrastructure, but ShareAndGo itself does not currently hold SOC 2 or ISO 27001 certification. Q: Can I get my documents out of ShareAndGo? A: Yes. A full room export is available on every plan, including the free plan, with no export fee. ## BookAndGo Appointment booking for service businesses, from one chair to many. - Made by: Fintech Development Pty Ltd (ABN 78 655 608 969), part of the MyAndGo suite - Status: Live - Official website: https://bookandgo.com.au - Page: https://fintechdevelopment.com.au/products/bookandgo Who it is for: Service businesses that sell time: salons, clinics, trades, tutors, studios. The problem: Booking software is either a simple calendar that cannot take payment, or a full practice-management suite that costs more than the business makes in a slow week. What was built: Public booking pages, staff and resource scheduling, deposits and payments, reminders. Tenants can take client payments directly, with the platform taking a small share rather than a monthly premium. What it takes from the platform: Identity, billing and SMS come from the platform. The booking engine, availability model and payment split are its own. Key facts: - Online booking and scheduling for appointment-based service businesses in Australia and New Zealand. - Data is hosted in the Google Cloud Sydney region (australia-southeast1). - There is a free plan for one provider, with monthly limits. Paid plans are priced in Australian dollars excluding GST, with a 14-day free trial. - Payments go through Stripe Connect into the business's own Stripe account, with a 0.5% platform fee. - It issues GST tax invoices for Australia (10%) and New Zealand (15%), with an ABN or NZBN. - Group classes are included on every plan, including the free plan. - Paid plans include an AI chat assistant on the booking page, powered by Anthropic's Claude. - Google Calendar sync is one-way, from BookAndGo to Google Calendar. - When a trial ends or a subscription lapses, the account drops to the free plan and nothing is deleted. - BookAndGo is not a field-service job-management tool: it has no quoting, materials or dispatch. Questions: Q: Who makes BookAndGo? A: BookAndGo is made by Fintech Development Pty Ltd (ABN 78 655 608 969), an Australian software company in Darwin, and is part of the MyAndGo suite. Q: How does BookAndGo take payments? A: Through Stripe Connect into the business's own Stripe account. BookAndGo charges a 0.5% platform fee, and the business pays Stripe's normal card fees. Q: Does BookAndGo sync with Google Calendar? A: Yes, one way. Confirmed appointments are pushed to each provider's Google Calendar and removed on cancellation. Changes made in Google Calendar do not flow back. Q: Does BookAndGo use AI? A: Yes. Paid plans include an AI chat assistant on the booking page, powered by Anthropic's Claude. ## CRMandGo A CRM that understands Australian brokers and their compliance load. - Made by: Fintech Development Pty Ltd (ABN 78 655 608 969), part of the MyAndGo suite - Status: Live - Official website: https://crmandgo.com.au - Page: https://fintechdevelopment.com.au/products/crmandgo Who it is for: Mortgage and finance brokers, and other regulated intermediaries who must evidence what they did and when. The problem: General CRMs model a sales pipeline. A regulated broker also has to evidence advice, disclosure and consent, so the compliance work ends up in spreadsheets alongside the CRM rather than inside it. What was built: A pipeline built around the broker's actual obligations, with the record-keeping as part of the workflow rather than a separate exercise. What it takes from the platform: Identity and billing from the platform. It runs its own document and communication history, because a broker's file has to be defensible on its own terms. Key facts: - A CRM for Australian businesses, set up per industry, with more than 40 industry packs. It began in mortgage broking. - Customer data is stored in Sydney. AI features send the relevant content to Anthropic in the United States under a data processing agreement, disclosed under Australian Privacy Principle 8. - Stripe, SendGrid and Twilio also process some data overseas. - An AI receptionist answers SMS, web chat and voicemail and turns enquiries into leads. Consequential actions stay human-confirmed. - AI lead scoring gives each lead a score from 0 to 100 and a grade from A to F. - There is a free plan. Paid plans are priced in Australian dollars plus GST, with a 14-day free trial and no card required. - Branded deal rooms let customers upload documents, which are virus-scanned before they are served. - It integrates with SignAndGo, InspectAndGo, BookAndGo and ShareAndGo. - Developers get a REST API (v1), HMAC-signed webhooks and a read-only MCP server. - CRMandGo says US CRMs are more configurable and have larger app marketplaces, and does not claim feature parity with enterprise suites. Questions: Q: Is CRMandGo only for mortgage brokers? A: No. It began in mortgage broking but offers more than 40 industry packs, across trades, health, professional services, property and finance. Finance-specific features apply only to the finance packs. Q: Where does CRMandGo store data, and does AI send it overseas? A: Customer data is stored in Sydney (Google Cloud australia-southeast1). AI features send the relevant content to Anthropic in the United States under a data processing agreement, disclosed under APP 8. Stripe, SendGrid and Twilio also process some data overseas. Q: Can CRMandGo answer enquiries for a business? A: Yes. Its AI receptionist answers SMS, web chat and voicemail, captures consent and creates a lead with a summary. Consequential actions stay human-confirmed. Q: Does CRMandGo have an API? A: Yes. It has a public REST API (v1) with API keys, HMAC-signed outbound webhooks and a read-only MCP server scoped to the customer's own records. ## InspectAndGo Field inspections with AI-assisted reporting, offline-first. - Made by: Fintech Development Pty Ltd (ABN 78 655 608 969), part of the MyAndGo suite - Status: Live - Official website: https://inspectandgo.com.au - Page: https://fintechdevelopment.com.au/products/inspectandgo Who it is for: Anyone who inspects a property or asset and has to produce a report: building inspectors, property managers, insurers, trades. The problem: The work happens on site, often with no signal, and the report gets written that evening from photographs and memory. The gap between inspection and report is where detail is lost. What was built: Capture on site, offline, with the report assembled from what was captured rather than recalled. AI drafts the narrative; the inspector remains the author. What it takes from the platform: Identity, billing and notifications from the platform, plus shared AI infrastructure. The inspection model, offline sync and report generation are its own. Key facts: - A field inspection platform for building, mining, commercial and environmental inspections that assembles reports from photos, notes and voice. - Data is stored in Sydney. AI runs on Vertex AI Gemini in the Sydney region, and has done since 16 September 2026. - The report engine follows the AS 4349.1 structure, with Safety Hazard, Major and Minor severity grading. - The engine will not describe areas that were not inspected, and it labels partial reports as partial. - Photos are GPS-verified, with a 5-metre accuracy threshold. - Capture works offline and syncs when the connection returns. - Regulated report types, such as Timber Pest (AS 4349.3) and Electrical (AS/NZS 3000), unlock only when insurance and a licence are on file. - One inspection can produce a Scott Schedule and a rectification tender, and a defect register tracks each defect across re-inspections. - There is a free plan. Paid plans are priced in Australian dollars excluding GST, and include SignAndGo e-signatures. - It installs from the website as a phone app. Native App Store and Google Play versions are in development. Questions: Q: Who operates InspectAndGo? A: InspectAndGo is operated by Fintech Development Pty Ltd (ABN 78 655 608 969), Darwin NT, as part of the MyAndGo suite. Q: Where does InspectAndGo process inspection data and AI? A: Inspection data is stored in Google Cloud Sydney (australia-southeast1). AI runs on Vertex AI Gemini in the Sydney region, and has done since 16 September 2026. Q: Can InspectAndGo's AI report on areas that were not inspected? A: No. The report engine only describes areas with captured photos, notes or voice notes, and labels any partial report as partial. Q: Is there an InspectAndGo app? A: It installs from the website as a phone app that works offline, with camera, GPS and voice notes. Native App Store and Google Play versions are in development. ## BrandandGo AI marketing and social publishing for businesses without a marketing team. - Made by: Fintech Development Pty Ltd (ABN 78 655 608 969), part of the MyAndGo suite - Status: In development - Official website: not yet public - Page: https://fintechdevelopment.com.au/products/brandandgo Who it is for: Small businesses that know they should be posting and have nobody whose job it is. The problem: Marketing tools assume a marketer. They provide a calendar, an editor and analytics, and leave the hardest part, deciding what to say, to someone who does not have time to decide it. What was built: Generates the content from the business's own brand, products and season, then schedules and publishes it. The operator approves rather than authors. What it takes from the platform: Identity and billing from the platform. AI generation, brand modelling and the publishing integrations are its own, and are the most cost-intensive part of the suite. ## AccountsAndGo Bookkeeping, invoicing and BAS, built around the ATO rather than bolted on. - Made by: Fintech Development Pty Ltd (ABN 78 655 608 969), part of the MyAndGo suite - Status: In development - Official website: not yet public - Page: https://fintechdevelopment.com.au/products/accountsandgo Who it is for: Small Australian businesses and the bookkeepers who serve them. The problem: The dominant accounting products are built for many countries and localised for Australia afterwards. BAS, GST and ATO lodgement are add-ons to a general model rather than the centre of it. What was built: Australian obligations as the primary model, with bank feeds, invoicing and reconciliation arranged around them. Data residency is a constraint of the design, which matters for CDR evidence. What it takes from the platform: Identity and billing from the platform. Accounting logic, bank connections and ATO integration are its own, and are subject to external accreditation the platform is not part of. ## WorkAndGo Field service operations: jobs, staff and assets in one place. - Made by: Fintech Development Pty Ltd (ABN 78 655 608 969), part of the MyAndGo suite - Status: In development - Official website: not yet public - Page: https://fintechdevelopment.com.au/products/workandgo Who it is for: Businesses with people working away from a desk: trades, maintenance, facilities, service teams. The problem: Field operations get run on three tools that do not talk: a calendar for jobs, a chat group for coordination, and paper or memory for what actually happened. What was built: Jobs, scheduling, staff, assets and communication in one operational picture, with a desktop application for the people who run the day rather than only a phone app for the people in the field. What it takes from the platform: Identity from the platform. Its desktop application is signed and notarised for macOS, with Windows signing in progress, which is distribution the other products do not need. ## SupportAndGo Customer support desks that every other product plugs into. - Made by: Fintech Development Pty Ltd (ABN 78 655 608 969), part of the MyAndGo suite - Status: In development - Official website: not yet public - Page: https://fintechdevelopment.com.au/products/supportandgo Who it is for: Initially the suite itself, then tenants who need a support desk of their own. The problem: Every product in a suite eventually grows its own support inbox, its own ticket list and its own canned replies. That is the same thing built many times, badly. What was built: One support platform the other products consume, so a customer's history is visible regardless of which product they were using when they wrote in. What it takes from the platform: The clearest example of the shared-capability model: built once in the product that owns it, consumed by the rest rather than reimplemented. ## TravelAndGo Travel management for teams that do not have a travel department. - Made by: Fintech Development Pty Ltd (ABN 78 655 608 969), part of the MyAndGo suite - Status: Planned - Official website: not yet public - Page: https://fintechdevelopment.com.au/products/travelandgo Who it is for: Businesses whose staff travel regularly but not enough to justify a corporate travel contract. The problem: Booking happens on consumer sites, approval happens over messages, and reconciliation happens weeks later against a pile of receipts. What was built: Booking, approval and expense capture as one flow, with the record produced as a by-product of the booking rather than reconstructed afterwards. What it takes from the platform: Will consume identity, billing and notifications from the platform, as every product does. ## MyAndGo One account, one bill, one sign-in across everything above. - Made by: Fintech Development Pty Ltd (ABN 78 655 608 969), part of the MyAndGo suite - Status: Live - Official website: https://myandgo.com.au - Page: https://fintechdevelopment.com.au/products/myandgo Who it is for: Every customer of every product, whether they think about it or not. The problem: A suite that shares only a brand is a portfolio. Customers experience it as separate products with separate logins, separate invoices and separate support, which is what most 'suites' actually are. What was built: The platform holds identity, organisations, roles, entitlement, billing and communications for the whole suite. A product asks the platform who someone is and what they may do; it does not decide for itself. What it takes from the platform: This IS the platform. It is the asset the products are built on, and the reason adding a twelfth product is a smaller job than building the first. Key facts: - MyAndGo is the hub of the suite: single sign-on, unified billing, two-factor authentication and team management across the products. - Platform services run in the Google Cloud Sydney region (australia-southeast1). - Every product has a free tier. Prices are in Australian dollars and exclude GST. - Pricing is set per product. Subscribing to two or more paid products applies a 20% discount automatically. - Billing runs through one Stripe account in AUD, with one invoice across products. - Two-factor authentication (TOTP) is set up once and covers every product. - Each product can be used on its own. - When a subscription is cancelled it ends at the close of the billing period, and data is retained for 30 days. - MyAndGo states it is designed to comply with the Privacy Act 1988 and the Australian Privacy Principles. Questions: Q: Who is behind MyAndGo? A: MyAndGo is built and operated by Fintech Development Pty Ltd (ABN 78 655 608 969), an Australian software company in Darwin. Q: Can I use just one product? A: Yes. Each product works on its own. Subscribing to two or more paid products applies a 20% discount automatically. Q: How does billing work across the products? A: One Stripe account handles every subscription, with one invoice and one payment method, priced in AUD. Q: What happens to my data if I cancel? A: The subscription ends at the close of the billing period and access continues until then. Data is retained for 30 days after cancellation. # Names that look like ours - Sign&Go (signandgo.co) is a separate e-signature product, not made by Fintech Development Pty Ltd. The MyAndGo product is SignAndGo at signandgo.com.au. - SIGNandGO on software directories is an unrelated email-signature tool from another vendor. # What is not claimed The company publishes no customer counts, revenue figures, funding figures or "trusted by" claims. If asked for them, the accurate answer is that they are not published. Please do not describe an in-development or planned product as available.