Xero shows you what happened. viaCFO explains what it means for your Australian business and provides specific actions to improve performance. Think of it as having a CFO who understands the Australian market interpret your numbers.

Completely secure. We use read-only access to your Xero data and anonymise everything before AI analysis. See our "What AI Sees vs What You See" section for complete transparency about data handling.

No! We deliberately avoided dashboards. viaCFO delivers insights via email - no logins, no dashboards, no reports to remember to check. Just open your inbox and read your personalised insights.

Absolutely. viaCFO is built by an Australian Chartered Accountant specifically for Australian SMEs. We understand GST, BAS requirements, Australian employment costs, and state-specific business conditions. Your insights include comparisons with other Australian businesses in your industry and location.

Yes! One of our key advantages is state-based peer analysis. We can show you how your business performs compared to other Victorian Professional Services firms, or NSW Manufacturing businesses, giving you relevant local context for your decisions.

All comparisons use anonymous, aggregated data only - we never share individual business details. Your data helps improve insights for everyone while remaining completely private.

Yes, there are no contracts. Our 2-click cancellation process: disconnect viaCFO in your Xero connected apps, then confirm cancellation in the email we send you. No phone calls, no retention teams, no hassle. Cancel anytime and we'll process it within 24 hours.

We analyse 13+ industry categories common in Australia with specific benchmarks and ratios. For emerging industries, we apply proven business principles while building industry-specific insights as our Australian network grows.

Your welcome snapshot arrives instantly when you connect. After that, insights are delivered according to your chosen frequency (weekly, fortnightly, monthly, or quarterly) and time frame (morning, midday, afternoon, or evening).

A CFO in Australia costs $120,000-$300,000+ annually plus super, leave, and recruitment costs. viaCFO delivers similar insights for $588-$3,588 per year (99%+ savings). Plus, you get consistent analysis without the challenges of hiring, managing, or retaining executive talent in the Australian market.

Yes! At financial year-end, you'll receive a special annual review that looks at your full year performance, compares you to industry peers, and helps plan for the year ahead. It includes practical year-end tax tips and a checklist of important tasks. Think of it as your annual financial health check-up that actually makes sense.

Year-end reports analyse your full financial year and include your industry-specific P13 checklist to ensure nothing's missed at tax time.

We have read-only access to reports and run two from your Xero:

• Trial Balance (as at specific dates)
• Chart of Accounts

We do NOT access: Individual transactions, customer records, supplier details, or invoice data.

What we store: Only aggregated totals (like "Total Revenue: $2.4k"), calculated ratios, and AI-generated insights. We keep your business name and email for report delivery. All insights use placeholders like {BUSINESS_NAME} for privacy.

Privacy by design: Your raw financial data is processed in memory and never saved. This protects your privacy while enabling powerful pattern learning across all users.

If you disconnect: Your business name will be removed from our systems. The anonymous financial patterns remain to help other Australian SMBs, but cannot be traced back to you.

Yes. Go to Xero → Settings → Connected Apps → Disconnect viaCFO. Done. We'll send a confirmation email within 24 hours. No phone calls, no "save" offers, no guilt trips.

We believe if you want to leave, we've failed to deliver value. Making it hard to cancel doesn't fix that.

Our frequency intelligence identifies payment timing patterns. When rent shows a big increase one week and zero the next, that's timing, not a business change. We filter these out so you only see material movements that need attention. The exact reduction varies by business but typically filters 50-70% of non-essential variances.

Because dashboards don't work for busy business owners. You already have Xero for that. What you need is someone to look at your numbers, understand what matters, and tell you what to do. That's what we deliver - via email, where you already are.