These Terms & Conditions govern your use of the Nestia Financial website and the information and services made available through it.

Nestia Financial is operated by Nestia Pty Ltd, ABN: 42700823230, ACN: 700823230 (“Nestia Financial”, “we”, “us” or “our”).

By accessing or using this website, you agree to these Terms & Conditions.

About this website

This website provides information about Nestia Financial, our services and general finance and lending topics.

The information on this website is intended to help you understand the types of services we provide and to support general financial and lending awareness.

Using this website does not, by itself, create a broker-client, adviser-client or other professional relationship between you and Nestia Financial.

A formal relationship will only arise where we agree to provide services to you.

General information only

Information on this website is general in nature and has been prepared without taking into account your individual objectives, financial situation or needs.

Nothing on this website should be relied upon as personal financial, legal, taxation, accounting, investment or other professional advice.

Before making a financial decision, you should consider your own circumstances and, where appropriate, obtain professional advice.

Credit assistance

Where you engage Nestia Financial to provide credit assistance, our services will be provided in accordance with applicable laws, regulatory requirements and the terms of our engagement with you.

Where responsible lending obligations apply, we will make reasonable inquiries about your requirements and objectives and your financial situation and take reasonable steps to verify relevant information.

Where the mortgage broker best interests duty applies, we are required to act in your best interests when providing credit assistance.

Further information about how we provide credit assistance is available in our Credit Guide and Responsible Lending information.

No guarantee of finance or approval

Nothing on this website constitutes:

• an offer of credit;

• an approval of finance;

• a commitment by any lender to provide finance;

• a guarantee that you will qualify for a particular loan;

• a guarantee of a particular interest rate; or

• a guarantee that you will be able to borrow a particular amount.

All finance applications are subject to assessment by the relevant lender and may be subject to lender policies, eligibility requirements, valuation, credit assessment and other conditions.

Lender products and availability

Nestia Financial may have access to a panel of lenders and finance products through our licensee, aggregator or other approved arrangements.

We do not necessarily consider every lender or financial product available in the Australian market.

The availability and suitability of particular products will depend on factors including your individual circumstances, lender eligibility criteria and the products available to us at the relevant time.

Rates, fees and lending information

Interest rates, fees, lender policies, borrowing criteria and product features may change at any time.

We take reasonable care when preparing information for this website, but we do not guarantee that all information will always be complete, current or error-free.

Before proceeding with a particular finance product, current product information should be confirmed with the relevant lender or through the credit assistance process.

Calculators and estimates

Any calculator, borrowing estimate, repayment figure, comparison, projection or other numerical information appearing on this website is provided for general illustrative purposes only.

Results may be based on assumptions and may not reflect:

• your actual financial circumstances;

• all fees and charges;

• changes in interest rates;

• lender-specific assessment methods;

• lending policy;

• taxation consequences; or

• other factors relevant to your individual situation.

Calculator or estimate results should not be treated as an indication or guarantee of loan approval.

Information you provide to us

If you provide information to Nestia Financial through this website, a contact form, booking platform, email or another communication channel, you are responsible for ensuring that the information you provide is accurate and not misleading.

When we provide credit assistance, we may rely on information and documents provided by you when assessing your circumstances and assisting with finance options.

You should tell us if relevant information changes while we are assisting you.

Appointment bookings and enquiries

Submitting an enquiry or booking an appointment through our website does not guarantee that Nestia Financial will be able to provide you with a particular service or obtain finance for you.

Appointment availability may change and appointments may need to be rescheduled or cancelled.

Where this occurs, we will take reasonable steps to contact you.

Third-party services

Our website may use or link to third-party services, including appointment scheduling platforms, lenders, service providers, calculators, external websites and other online tools.

Third-party services operate independently from Nestia Financial and may have their own terms, conditions and privacy policies.

We are not responsible for the content, availability, accuracy, security or privacy practices of third-party services that we do not control.

A link to a third-party website does not necessarily mean that we endorse that organisation, its services or its content.

Referrals and third parties

From time to time, we may introduce or refer you to third-party professionals or service providers.

Unless expressly stated otherwise, those providers operate independently from Nestia Financial and are responsible for the services and advice they provide.

You should make your own decision about whether a third-party provider is appropriate for your circumstances.

Any applicable referral arrangements or benefits will be disclosed where required.

Website availability

We aim to keep our website accessible and functioning properly.

However, we do not guarantee that the website will always be available, uninterrupted, secure or free from errors or technical issues.

We may change, suspend, restrict or discontinue any part of the website at any time.

Intellectual property

Unless otherwise stated, all intellectual property rights in this website and its content are owned by or licensed to Nestia Financial.

This includes, where applicable:

• text;

• branding;

• logos;

• graphics;

• images;

• website layout;

• design elements;

• downloadable materials; and

• other original content.

You may access and use this website for your personal and non-commercial purposes.

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

Acceptable use

You must not use this website:

• for any unlawful, misleading or fraudulent purpose;

• in a way that may damage or interfere with the website or its security;

• to introduce viruses, malware or other harmful code;

• to attempt to gain unauthorised access to systems, accounts or information;

• to collect information about other users without authority;

• to infringe intellectual property or other rights; or

• in any way that could reasonably cause harm to Nestia Financial or another person.

Accuracy of website content

We aim to provide useful and accurate information, but financial products, lender policies and regulatory requirements can change.

We may update, amend or remove website content without notice.

You should not rely on information solely because it was previously available on our website.

Limitation of liability

To the extent permitted by law, Nestia Financial does not accept liability for loss or damage arising from:

• reliance on general information published on this website;

• your use of, or inability to use, this website;

• inaccurate, incomplete or outdated third-party information;

• third-party websites or services;

• interruptions, errors or technical issues; or

• decisions made without taking into account your individual circumstances.

Nothing in these Terms & Conditions excludes, restricts or modifies any right, guarantee or remedy that cannot lawfully be excluded under the Australian Consumer Law or other applicable legislation.

Indemnity

To the extent permitted by law, you agree to indemnify Nestia Financial against loss, liability or expense arising from your unlawful use of this website or your material breach of these Terms & Conditions.

This clause does not apply to the extent that the loss is caused by our own negligence, unlawful conduct or breach of an obligation that cannot legally be excluded.

Privacy

Your use of this website may involve the collection and handling of personal information.

Our Privacy Policy explains how we collect, use, disclose, store and protect personal information.

By providing personal information to us, you acknowledge that it will be handled in accordance with our Privacy Policy and applicable privacy laws.

Complaints

If you have concerns about our services, we encourage you to contact us so we can try to resolve the matter.

Further information about our complaint handling process and external dispute resolution is available on our Responsible Lending page and in our Credit Guide.

Changes to these Terms & Conditions

We may update these Terms & Conditions from time to time, including where our services, website, business practices or legal obligations change.

The updated version will take effect when it is published on our website unless otherwise stated.

The “Last updated” date at the top of this page indicates when the Terms & Conditions were most recently revised.

Severability

If any part of these Terms & Conditions is found to be invalid, unlawful or unenforceable, that part will be treated as removed to the extent necessary.

The remaining provisions will continue to apply.

No waiver

If we do not immediately enforce a right under these Terms & Conditions, that does not mean we have waived that right.

Governing law

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

You agree to submit to the jurisdiction of the courts of that State or Territory and the applicable courts of the Commonwealth of Australia.

Contact us

If you have questions about these Terms & Conditions, please contact:

Nestia Financial
Nestia Financial Pty Ltd
ABN: 42700823230
ACN: 700823230
Credit Representative 581062 is authorised under Australian Credit Licence 389328



Email: hello@nestia.com.au
Phone: 0425 158 723