Website Terms & Disclaimer

Welcome to the Nivo Mortgage website.

This website is operated by Nivo Group Pty Ltd (ABN 37 701 981 151), trading as Nivo Mortgage.

By accessing or using this website, you agree to use it in accordance with these Website Terms & Disclaimer and applicable Australian laws.

These terms relate to your use of this website. They do not replace any separate agreements, disclosures or documentation provided when you engage Nivo Mortgage for credit assistance.

Nivo Mortgage is a trading name of Nivo Group Pty Ltd (ABN 37 701 981 151), Corporate Credit Representative No. 582311, authorised under Australian Credit Licence 384324 held by OUTSOURCE FINANCIAL PTY. LTD. (ABN 42 131 090 705).

Joe Joseph is Credit Representative No. 582312.

Nivo Mortgage provides mortgage and finance broking services within the scope of its credit authorisation.

The information provided on this website is intended for general informational and educational purposes.

It does not take into account your individual financial circumstances, objectives or requirements and should not be relied upon as a personalised recommendation to obtain, refinance or vary a particular credit product.

Information on this website is not a substitute for an assessment of your circumstances or personalised credit assistance.

You should consider your individual circumstances and seek appropriate professional assistance before making financial decisions.

Nothing in this section limits the obligations that apply when Nivo Mortgage provides credit assistance.

Nivo Mortgage may provide credit assistance after obtaining and assessing relevant information about your financial circumstances, requirements and objectives.

Where applicable, mortgage brokers are required to act in the best interests of consumers when providing credit assistance.

The availability and suitability of any credit product depend on your individual circumstances, applicable lending criteria and the outcome of relevant assessments.

Nivo Mortgage does not provide personal financial product advice, legal advice or investment advice through this website.

References to accounting, taxation, commercial finance or CFO experience describe professional background and expertise. They do not, by themselves, constitute an offer of separate taxation, accounting or CFO advisory services through this website.

Any information about loan products, interest rates, fees, features, eligibility or lending criteria is general in nature unless expressly stated otherwise.

Lenders may change their products, pricing, policies and eligibility requirements without notice.

Loan approval, interest rates, loan terms and other conditions are determined by the relevant lender and are subject to its assessment and approval processes.

Nivo Mortgage does not guarantee that any loan application will be approved or that a particular interest rate, loan amount or loan term will be available.

Any specific credit product recommendation made as part of our credit assistance services will be subject to the applicable assessment, disclosure and regulatory requirements.

Where this website includes financial calculators, estimates, examples or repayment illustrations, their results are indicative only.

Actual borrowing capacity, repayments, interest costs and loan terms may differ due to lender policies, fees, interest rate changes and individual circumstances.

Calculator results should not be treated as loan approval, a credit offer or a personalised recommendation.

You should obtain information relevant to your circumstances before making a lending decision.

Nivo Mortgage takes reasonable care to ensure that information published on this website is accurate and current.

However, website information may become outdated, incomplete or subject to change.

To the extent permitted by law, we do not guarantee that all information will be accurate, complete or available at all times.

If you require confirmation of specific information, please contact Nivo Mortgage directly.

Submitting an enquiry through this website does not constitute a loan application, guarantee a loan approval or establish a formal client engagement.

We may contact you to discuss your enquiry and determine whether we can assist.

Where an enquiry progresses to credit assistance, we will provide applicable disclosure and consent documentation through our client onboarding process.

Please do not submit identity documents, bank statements, tax returns or other sensitive financial documents through our general website enquiry forms.

Information submitted through our website is handled in accordance with our Privacy Policy.

This website may contain links to websites, platforms or services operated by third parties.

These links are provided for convenience or information.

Unless expressly stated otherwise, Nivo Mortgage does not control or endorse the content, security, availability or practices of third-party websites.

Your use of third-party websites and services may be subject to their own terms and privacy policies.

Unless otherwise indicated, the Nivo Mortgage name, branding, website design, text, graphics and other original website content are owned by or licensed to Nivo Group Pty Ltd.

You may view, download or print website content for your personal, non-commercial use.

You must not reproduce, distribute, modify or commercially exploit our website content without prior written permission, except where permitted by law.

Third-party trademarks and intellectual property remain the property of their respective owners.

You must not use this website in a manner that:

• Breaches applicable laws or regulations.
• Interferes with the website's operation, security or availability.
• Attempts to gain unauthorised access to website systems or information.
• Introduces malicious software or harmful code.
• Submits fraudulent, misleading or deliberately false information.
• Uses automated systems to disrupt or overload website services.

We may take reasonable steps to protect our website and its users against misuse.

We take reasonable steps to maintain the security and availability of this website.

However, website access may occasionally be interrupted due to maintenance, technical issues, internet connectivity or circumstances outside our reasonable control.

We cannot guarantee uninterrupted access or that the website will be free from every technical error or security vulnerability.

You should contact us directly if a website issue prevents you from submitting an important enquiry.

To the extent permitted by law, Nivo Mortgage is not responsible for losses arising solely from reliance on general website information that is inaccurate, incomplete or outdated, or from temporary website unavailability.

Nothing in these terms excludes, restricts or modifies any rights or remedies that cannot lawfully be excluded, including applicable rights under the Australian Consumer Law, the National Consumer Credit Protection Act 2009 (Cth), or other relevant legislation.

Nothing in these terms limits any statutory, professional or regulatory obligations applicable to Nivo Mortgage or its credit representatives.

Your privacy is important to us.

Our Privacy Policy explains how we collect, use, store and disclose personal information, including information submitted through our website enquiry forms.

Please refer to our Privacy Policy for further information.

If you have a concern or complaint regarding Nivo Mortgage or its credit assistance services, please refer to our Complaints & Dispute Resolution page.

Our complaints process provides information about how to raise a complaint and the applicable internal and external dispute resolution arrangements.

We may amend these Website Terms & Disclaimer from time to time to reflect changes to our services, website functionality or applicable legal requirements.

The current version will be available on this website.

These website terms are governed by the laws of Victoria, Australia, and applicable Commonwealth laws.

Nothing in this section limits rights or protections available under applicable Australian law.

Nivo Mortgage Nivo Group Pty Ltd ABN 37 701 981 151

Email: joe@nivomortgage.com.au Website: https://nivomortgage.com.au

For general enquiries, please use the Contact Us page on our website.