Terms of Service

1. About this website

This website is owned and operated by Novus Finance Pty Ltd ("Novus Finance", "we", "our" or "us"), a business providing mortgage broking and credit assistance services.

By accessing or using this website, you agree to be bound by these Terms of Service. If you do not accept these terms, you must not use this website.

2. General information only (Not personal financial advice)

All information provided on this website is general in nature and is intended to provide an overview of mortgage and lending options.

It does not constitute:

• Personal financial advice
• Credit advice tailored to you
• Legal, accounting or tax advice

Any information does not take into account your personal objectives, financial situation or needs.

Before acting on any information, you should consider your personal circumstances and seek independent advice where appropriate.

3. Mortgage broking services

Novus Finance Pty Ltd provides mortgage broking and credit assistance services, including:

• Assessing your borrowing capacity
• Comparing loan products from a panel of lenders
• Assisting you to prepare and submit loan applications
• Liaising with lenders through to settlement

We act as an intermediary between you and lenders and do not lend money ourselves.

All loan products are subject to:

• Lender approval
• Responsible lending obligations
• Eligibility and verification requirements
• The lender's own terms and conditions

We do not guarantee approval of any loan or credit facility.

4. Your responsibilities as a user

When using our website or engaging our services, you agree that:

• All information you provide is accurate and complete
• You will not knowingly provide false or misleading information
• You will update us if your circumstances change

Providing incorrect or incomplete information may affect your loan application outcome.

5. Website use

You agree to use this website only for lawful purposes.

You must not:

• Interfere with the operation or security of the website
• Attempt to gain unauthorised access to systems or data
• Use the website to engage in fraudulent activity
• Misuse enquiry or application forms

We reserve the right to restrict access if misuse is detected.

6. Accuracy and availability

We aim to ensure information on this website is current and accurate. However, we do not guarantee:

• Accuracy or completeness
• That content is always up to date
• Uninterrupted access to the website

Interest rates, lender policies and loan products may change at any time without notice.

7. Third-party links and lenders

This website may include links to third-party websites, including lenders and service providers.

We do not control and are not responsible for:

• Third-party website content
• Their privacy practices
• Their products or services

Your dealings with lenders are subject to the lender's own terms and conditions.

8. Fees and commissions

Novus Finance Pty Ltd may receive commissions from lenders for loans we arrange on your behalf. In some cases, we may also charge a fee for our services.

Full details of any fees, commissions or remuneration will be disclosed in your Credit Proposal Disclosure Document before you proceed with any loan.

9. Privacy and data handling

Your use of this website is also governed by our Privacy Policy.

We collect, hold and handle your personal and credit information in accordance with the Privacy Act 1988 and Australian credit reporting laws.

10. Limitation of liability

To the maximum extent permitted by law, Novus Finance Pty Ltd is not liable for any loss, damage or expense arising from:

• Your use of this website
• Reliance on information provided
• Delays or interruptions in access
• Decisions made based on general information

Where liability cannot be excluded, it is limited to the extent permitted by law.

11. Regulatory compliance

Novus Finance Pty Ltd provides credit assistance services in accordance with Australian credit laws and regulatory requirements overseen by:

• Australian Securities and Investments Commission
• Australian Financial Complaints Authority

We are committed to responsible lending and acting in your best interests.

12. Intellectual property

All website content including branding, text, graphics and logos are owned by or licensed to Novus Finance Pty Ltd.

You may not reproduce or use any content without prior written consent.

13. Changes to these terms

We may update these Terms of Service at any time. The current version will always be published on this website.

By continuing to use the website, you accept any updated terms.

14. Governing law

These Terms are governed by the laws of Victoria, Australia.

Any disputes are subject to the jurisdiction of the courts of Victoria.

15. Contact us

If you have any questions about these Terms of Service, please contact:

Novus Finance Pty Ltd
Email: office@novusfinance.com.au