REALM Group Global updates

REALM Group Global v0.1: Rebuild under way

Wed, 30 Sep 2026 00:00:00 GMT

realmgroupglobal.org is being rebuilt as a fast custom website. Updates will be listed here as each version is ready.

Pay In Time - Finance v1.24: Local time in every country we serve

Wed, 30 Sep 2026 00:00:00 GMT

The country strip at the top of the home page now shows the current local time (with ticking seconds) and today's date in Australia (Melbourne), the United States (New York), Canada (Toronto), New Zealand (Auckland) and Fiji (Suva).
When a country is on a different date from you, its date is shown in orange, so you can see at a glance that, for example, Canada is still on yesterday.

REALM Marketplace v15.3: Recently viewed, price-drop alerts and a faster font

Wed, 30 Sep 2026 00:00:00 GMT

A "Recently viewed" strip on the home page and "You recently viewed" on listing pages, so you can get back to listings you looked at. It is kept only on your own device, and a Clear button removes it.
Saved listings now remember the price when you save them. If the price later drops, a green note shows how much it has fallen since you saved it (on cards, the listing page and your Saved listings page).
Cleaner titles, descriptions and share images for listings when they appear in search results or are shared on social media.
The site's font is now served by the marketplace itself and is smaller, so pages load a little faster and no requests go to Google Fonts.
Small accessibility and caching improvements.

Pay In Time - Finance v1.23: Faster repeat visits

Tue, 29 Sep 2026 00:00:00 GMT

Returning visitors keep the site's fonts, stylesheet and scripts for up to a year instead of a week, so pages open faster on a second visit. Every update still reaches them straight away, because each new version of these files gets a new web address.

Pay In Time - Finance v1.22: Pages start drawing sooner

Tue, 29 Sep 2026 00:00:00 GMT

Every page now tells the browser about its stylesheet and main font right at the start of the response, so text and layout can appear a little sooner, especially on slower mobile connections.

Pay In Time - Finance v1.21: Quick links on the Services page

Tue, 29 Sep 2026 00:00:00 GMT

The Services page has a row of quick links under the heading (Personal loans, Business loans, Agriculture & rural and so on). It stays at the top of the screen while you scroll, jumps straight to a service, and highlights the one you are reading. On phones the row scrolls sideways.

Pay In Time - Finance v1.20: Office hours on the Contact page

Tue, 29 Sep 2026 00:00:00 GMT

The Contact page has a new Office hours card. It shows whether it is currently within our office hours in Melbourne and when we next open, and highlights today's row.
Visitors outside Australia (for example in the United States, Canada, New Zealand or Fiji) also see our office hours converted to their own time zone.

Pay In Time - Finance v1.19: Back to top button

Tue, 29 Sep 2026 00:00:00 GMT

Long pages (such as the terms, privacy policy and services) now show a small round "back to top" button in the corner after you scroll down two screens. It glides back up, or jumps straight there for visitors who prefer less motion.
The "Show" button in password boxes is a little taller, so it is easier to tap on phones.

Pay In Time - Finance v1.17: Photo behind the home page headline

Tue, 29 Sep 2026 00:00:00 GMT

The top of the home page now shows a field photo behind a see-through forest green, with a slow gentle zoom (it stays still for visitors who prefer less motion).

Pay In Time - Finance v1.16: Friendlier missing-page screen

Tue, 29 Sep 2026 00:00:00 GMT

If a link is old or mistyped, the "page not found" screen now offers quick links to Services, How it works, Apply / Enquire and Contact instead of a single button.

Pay In Time - Finance v1.15: Accounts and a new photo gallery

Tue, 29 Sep 2026 00:00:00 GMT

You can now create a free account and log in. Log in with a passkey (Face ID, fingerprint, a PIN or your phone) or with your email and password.
My account shows where you are logged in, lets you log out of any device or all other devices, change your password, add or remove passkeys, and delete your account.
Strong protection: passwords are stored scrambled and checked against known data breaches, repeated wrong guesses lock the account for 15 minutes, and sign-in cookies cannot be read by scripts or sent from other websites.
A new sideways photo gallery on the home page shows the industries we work with, with arrow buttons on computers and swiping on phones.
The log-in page has a large photo panel with a slowly moving picture (it stays still for visitors who prefer less motion).
The privacy policy now explains what an account stores and the two cookies used for logging in.

Pay In Time - Finance v1.14: Common questions

Tue, 29 Sep 2026 00:00:00 GMT

The How It Works page now answers common questions (countries, what we finance, what an enquiry means, approval, how you hear back, your details) in tidy fold-out panels. Printing the page includes every answer.
The stylesheet is sent in a smaller, compressed form, so pages start a little faster.

Pay In Time - Finance v1.13: Founder award

Tue, 29 Sep 2026 00:00:00 GMT

Our Founder page now shows Robbie McKenzie's 2025 FLUXX Award (Sustainability Leader of the Year, Hong Kong), with the award photo and his certificate.

Pay In Time - Finance v1.12: Bolder look and stronger security

Tue, 29 Sep 2026 00:00:00 GMT

Bigger, bolder headlines, with an orange underline that draws itself under "paid in time."
A moving orange band on the home page shows the industries we work with (it stands still for visitors who prefer less motion).
New "Why Pay In Time" section on the home page: five countries, every industry, real people, private details.
Service cards light up with an orange bar on hover, page headings get an orange accent, and a thin orange line under the menu shows how far down the page you are.
A bigger closing "Ready to talk" banner.
Stronger security: the server now refuses unusual requests (wrong method, very long addresses, known hacking probes), cleans and checks every form field more strictly, and checks that spam-protection tokens were made on this site and for the same form.
Staff page sign-in checks are stricter, and spreadsheet downloads are protected against more kinds of formula tricks.
More browser security settings on every page, and search engines are told not to list the form and staff addresses.
Fixed a phone-number check that some new browsers reported as an error.
The privacy policy now says we count page visits with Cloudflare Web Analytics (no cookies, no cross-site tracking), which Cloudflare runs on our domain, and the security policy allows it so pages show no errors.

Pay In Time - Finance v1.11: Easier loan form and faster page changes

Tue, 29 Sep 2026 00:00:00 GMT

Loan application: after you pick your country, the income and loan amount labels show your currency (for example AUD or NZD).
Large amounts are grouped automatically for easier reading (250000 becomes 250,000).
Long text boxes show how many characters you have left.
Pages you are about to open (when you hover over or press a link) start loading early in supporting browsers, so moving around the site feels quicker.

Pay In Time - Finance v1.10: Security headers, sharing previews and phone timeline

Tue, 29 Sep 2026 00:00:00 GMT

Form answers from the server now carry the same security protections as the pages (no sniffing, no framing, no referrer).
Two extra security headers on every page limit which other sites can load our files.
Links shared on social media and chat apps now show the preview image at the right size, with a text description for screen readers.
Search engines get a simple breadcrumb (Home > page) for every page.
On phones, the four application steps now show as a vertical timeline.

Pay In Time - Finance v1.9: Small fixes and phone icons

Tue, 29 Sep 2026 00:00:00 GMT

Printing the Home or Services page no longer leaves blank gaps where the fade-in cards had not appeared yet.
Adding the site to a phone home screen now shows the Pay In Time clock icon (iPhone and Android), and older browsers get a matching tab icon.
Footer: the logo and name are spaced properly again, and the REALM Group Global link sits neatly in its sentence.
Every update now checks itself before it goes live: the automatic form tests must pass and every link and image on every page must work, otherwise the update is stopped and the current site stays online.

Pay In Time - Finance v1.8: Photos and motion

Tue, 29 Sep 2026 00:00:00 GMT

Photos on every service, a full-width harvest photo on the home page, and photo headers on About, Services, How It Works, Contact and Partners.
Gentle animation: headings and cards fade in as you scroll, the hero text slides in, the clock glows softly and the four steps draw their line. It switches off for visitors who prefer less motion.
The Services page shows a photo beside each service, alternating sides on computers and stacked on phones.
On phones the headline now comes first, with a smaller clock below it.
New Photo Credits page (all photos are free public-domain images, not our customers).
The Apply / Enquire button in the header is easier to read.
Contact page and footer now show the office phone (0419 182 804), postal address (PO Box 208, Warragul VIC 3820), company name and ABN.

Pay In Time - Finance v1.7: Security monitoring

Tue, 29 Sep 2026 00:00:00 GMT

If a browser ever blocks something on the site because of our security policy, it now reports it to us so broken pages are caught early. Reports hold no personal details and are not stored.

Pay In Time - Finance v1.6: Staff tools

Tue, 29 Sep 2026 00:00:00 GMT

Staff page: each application or enquiry opens on its own page, ready to print or save as a PDF.

Pay In Time - Finance v1.5: Company pages

Tue, 29 Sep 2026 00:00:00 GMT

New Terms & Conditions page (REALM Group terms, version 1, marked as a draft until the updated version arrives).
New Partners page about the REALM Affiliate Program.
New Our Founder page about Robbie McKenzie (award details still to come).
New Version History page (this page), linked from the footer.
Cards on dark backgrounds are easier to read.

Pay In Time - Finance v1.4: Forms and security polish

Tue, 29 Sep 2026 00:00:00 GMT

All three forms tested end to end with a test database.
Error messages now use plain words, for example "Please fill in the loan type."
The "Enquire about ..." links on the Services page fill in the enquiry form for you.
Stricter security policy for the pages, plus automated tests for the form handlers.
Pages print cleanly (privacy policy, loan application, services).

Pay In Time - Finance v1.3: Accessibility and speed

Tue, 29 Sep 2026 00:00:00 GMT

Every page scores 100 for accessibility and SEO in Google Lighthouse (tested before publishing).
Better colour contrast for small labels and correct heading order for screen readers.
Visitors always get the newest design after an update.
Optional visitor statistics (Cloudflare Web Analytics, no cookies), switched off until approved.

Pay In Time - Finance v1.2: Spam protection and staff tools

Tue, 29 Sep 2026 00:00:00 GMT

Fonts are served from the site itself, so pages load faster and more privately.
Spam protection for all forms (Cloudflare Turnstile), ready to switch on.
Private staff page to read applications and enquiries, with a spreadsheet download.
Limit on repeated form submissions, and a new "Service providers and cookies" section in the privacy policy.

Pay In Time - Finance v1.1: First public version

Tue, 29 Sep 2026 00:00:00 GMT

The site went live on Cloudflare.

Pay In Time - Finance v1.0: New website built

Tue, 29 Sep 2026 00:00:00 GMT

Rebuilt the Wix draft as a fast website: Home, About, Services, How It Works, Apply / Enquire, Loan Application, Contact and Privacy.
REALM look and feel, with copy covering Australia, the United States, Canada, New Zealand and Fiji.
Enquiry, loan application and launch-list forms with checks on the server.
Security headers, sitemap and share previews for social media.

REALM Marketplace v14.9: Save listings, share links and more like this

Tue, 29 Sep 2026 00:00:00 GMT

Save listings: a heart on every card and a Save button on listing pages. Saved listings stay on your own device and show under "Saved" in the header, with a new Saved listings page.
"More like this" on listing pages shows up to four similar live listings, same category and country first. Swipe through them on phones.
Share, Copy link and Copy ID buttons on listing pages (uses your phone's share sheet where available).
Listing photos have previous/next arrows, swipe on phones and work with the arrow keys.
A "New" badge on listings published in the last 3 days, and each listing shows when it was listed (for example "2 days ago").
Accessibility: clearer page order for screen readers and bigger tap areas on breadcrumb links.

REALM Marketplace v14.8: Privacy page, sitemap and farm-scene footer

Tue, 29 Sep 2026 00:00:00 GMT

New Privacy page.
A sitemap so search engines can find every live listing.
A new farm-scene footer.

REALM Marketplace v14.7: Spam protection on the Sell form

Tue, 29 Sep 2026 00:00:00 GMT

The Sell form is protected against spam bots with Cloudflare Turnstile (no puzzles for real people).

REALM Marketplace v14.6: Small refinements

Tue, 29 Sep 2026 00:00:00 GMT

Small fixes and polish on top of 14.5.

REALM Marketplace v14.5: Meet the marketplace mascot

Tue, 29 Sep 2026 00:00:00 GMT

A friendly mascot now appears on the site, sized for both computers and phones.

REALM Marketplace v14.4: Listing tools and site announcements

Tue, 29 Sep 2026 00:00:00 GMT

Admins can manage any listing from a new listings page.
Admins can post a site-wide announcement banner.
Member list can be downloaded as a spreadsheet (CSV).

REALM Marketplace v14.3: Blocklist and member page improvements

Tue, 29 Sep 2026 00:00:00 GMT

Admins can block unwanted words, emails or accounts with a new blocklist.
Extra checks on new listings and comments to stop abuse.
Improved member pages and a footer that fits landscape screens.

REALM Marketplace v14.2: Friendlier empty search

Tue, 29 Sep 2026 00:00:00 GMT

When a search finds nothing, the page now suggests what to try next instead of showing a blank list.

REALM Marketplace v14.1: New footer

Tue, 29 Sep 2026 00:00:00 GMT

Redesigned footer on computers and phones.

REALM Marketplace v14.0: Admin area

Tue, 29 Sep 2026 00:00:00 GMT

New admin area with an overview and charts, member management, a review queue for new listings, reports and an activity log.
Roles for Members, Moderators, Admins and Super Admins.
Welcome pop-up for new visitors and a new page-not-found screen.

REALM Marketplace v13.1: Small fixes

Tue, 29 Sep 2026 00:00:00 GMT

Fixes and polish on top of 13.

REALM Marketplace v13.0: Member profiles and social links

Tue, 29 Sep 2026 00:00:00 GMT

Every member has a public profile page, plus a My account page.
Social media links on profiles and listings.

REALM Marketplace v12.0: Preview builds 11 and 12

Tue, 29 Sep 2026 00:00:00 GMT

Preview builds tested before version 13.

REALM Marketplace v9.0: Alpha test rounds

Mon, 28 Sep 2026 00:00:00 GMT

Alpha test builds 6, 8 and 9, adding photos and images across the site.

REALM Marketplace v5.0: New marketplace logo and look

Mon, 28 Sep 2026 00:00:00 GMT

New REALM Marketplace logo and matching look.

REALM Marketplace v3.0: First builds

Sat, 26 Sep 2026 00:00:00 GMT

First REALM Marketplace builds, hosted on Cloudflare at market.realmgroupglobal.org and connected to REALM member log in.