These Website Terms of Use (“Terms”) govern your access to and use of the websites, applications, calculators, digital tools, customer portals and online services operated by NOW Finance (“Website”).
By accessing or using the Website, you acknowledge that you have read, understood and agree to be bound by these Terms.
If you do not agree to these Terms, you should not access or use the Website.
These Terms operate in conjunction with:
· our Credit Reporting Policy;
· any product terms and conditions;
· any Consumer Data Right (CDR) consents and disclosures; and
· any other agreements between you and us.
NOW Finance, we, us and our means:
· Now Finance Group Pty Ltd ACN 158 703 612 (Australian Credit Licence 425142);
· NF Finco 2 Pty Ltd ACN 164 213 030;
· NF Commercial Pty Ltd ACN 694 955 256;
· WCF Marketing Pty Ltd ACN 614 887 875; and
· any related body corporate involved in providing the Website or related services.
Website means any website, online application, customer portal, digital platform, mobile service or online tool operated by us.
You may use the Website solely for lawful purposes and in accordance with these Terms.
· breach any applicable law or regulation;
· interfere with the operation or security of the Website;
· introduce malware, viruses or malicious code;
· attempt to gain unauthorised access to systems or data;
· use automated tools, bots, scrapers or data-mining software without our written consent;
· impersonate another person;
· provide false or misleading information;
· use the Website in a way that disrupts other users;
· infringe any intellectual property rights; or
· engage in conduct that is abusive, threatening, discriminatory, misleading or unlawful.
We may suspend or terminate access where we reasonably believe these Terms have been breached.
Unless expressly stated otherwise:
· information on the Website is general information only;
· information is not financial, legal, taxation, accounting or credit advice;
· information is not intended to take into account your objectives, financial situation or needs;
· information should not be relied upon as a substitute for independent professional advice.
Before acting on information appearing on the Website, you should consider obtaining professional advice relevant to your circumstances.
Products and services described on the Website:
· may change without notice;
· may not be available in all circumstances;
· may be withdrawn at any time; and
· are subject to our lending criteria, verification requirements and approval processes.
Nothing on the Website constitutes:
· a commitment to lend; or
· a legally binding agreement.
The Website may contain calculators, estimators, digital assistants, automated decision-support tools, application tools or other functionality.
Any outputs generated by such tools:
· are based on assumptions and information provided;
· may not reflect your actual eligibility or borrowing capacity;
· do not constitute credit approval; and
· should not be relied upon as advice.
The Website may incorporate artificial intelligence, machine learning, automated analytics or other automated technologies.
· are provided for informational purposes only;
· may contain inaccuracies;
· may be based on assumptions and available data; and
· do not replace human assessment or professional advice.
Final credit decisions remain subject to NOW Finance’s lending policies, verification processes and regulatory obligations.
Where services are provided under the Consumer Data Right (CDR) regime, additional consents, disclosures and obligations may apply.
You agree to comply with any additional requirements notified to you in connection with CDR services.
We collect, use and disclose personal information in accordance with our Privacy Policy.
· session recording tools; and
· security monitoring technologies.
· improve user experience.
While we implement security measures that we consider reasonable and appropriate, no online platform is entirely secure.
· internet communications may be intercepted;
· systems can be subject to cyber attacks;
· service disruptions may occur;
· unauthorised access may occur despite security measures.
You are responsible for maintaining appropriate security over your own devices, networks and accounts.
The Website and all content contained on it, including:
remain owned by us or our licensors unless otherwise stated.
You may access Website content for personal, non-commercial use only.
You must not reproduce, distribute, modify, publish, commercialise or create derivative works without our prior written consent.
NOW Finance and related logos, branding, trade marks and business names are our property or licensed to us.
You must not use our branding in a manner that suggests sponsorship, endorsement, affiliation or approval without our prior written consent.
The Website may contain links to third-party websites or services.
· control third-party websites;
· endorse third-party content;
· verify third-party information; or
· guarantee the security or accuracy of third-party services.
To the maximum extent permitted by law:
· we exclude all warranties not expressly stated in these Terms;
· we do not guarantee uninterrupted availability of the Website;
· we are not liable for indirect, consequential, incidental or special loss;
· we are not liable for loss of profits, revenue, opportunity, goodwill or data;
· we are not liable for interruptions caused by telecommunications providers, internet service providers, cloud services or third-party platforms.
Where liability cannot be excluded by law, our liability is limited to the maximum extent permitted by law.
Nothing in these Terms excludes rights that cannot lawfully be excluded under the Australian Consumer Law.
You indemnify and hold harmless NOW Finance and its directors, officers, employees, contractors and agents against any loss, liability, damage, cost or expense arising from:
· your breach of these Terms;
· your misuse of the Website;
· your violation of any law;
· infringement of intellectual property rights; or
· claims brought by third parties arising from your conduct.
You indemnify and hold harmless NOW Finance and its directors, officers, employees, contractors and agents against any loss, liability, damage, cost or expense arising from:
· your breach of these Terms;
· your misuse of the Website;
· your violation of any law;
· infringement of intellectual property rights; or
· claims brought by third parties arising from your conduct.
· introduce new functionality;
· alter products or services; or
at any time without notice.
We may amend these Terms from time to time.
Updated Terms will become effective once published on the Website.
Your continued use of the Website constitutes acceptance of the amended Terms.
If any provision of these Terms is held to be invalid, unlawful or unenforceable, that provision will be severed and the remaining provisions will continue in full force and effect.
These Terms constitute the entire agreement between you and us regarding the use of the Website and supersede all prior understandings relating to that subject matter.
These Terms are governed by the laws of Victoria, Australia.
You submit to the non-exclusive jurisdiction of the courts of Victoria and the Commonwealth of Australia.
If you have questions about these Terms, please contact:
