Disclaimer

Last Updated: [22 July 2026]

This Disclaimer applies to your use of credivo.com.au (“Website”), operated by TRUEHEAVEN PTY LTD (ABN 89 692 414 912), trading as Credivo (“we”, “our”, or “us”).

By accessing or using this Website, you acknowledge that you have read, understood, and agree to this Disclaimer.

1. We Are Not a Lender, Broker or Credit Provider

Credivo is an independent lead generation and referral website. We connect people seeking finance with third-party finance providers and referral partners.

Credivo is not a bank, lender, credit provider, finance broker, or credit representative. We do not hold, and are not required to hold, an Australian Credit Licence (ACL) for the referral services we provide.

We do not:

• Provide credit assistance as defined under the National Consumer Credit Protection Act 2009 (Cth).
• Recommend or suggest any specific loan or finance product.
• Provide financial, taxation, legal, or credit advice.
• Assess your financial circumstances, objectives, or borrowing capacity.
• Approve or decline finance applications.
• Guarantee loan approval, interest rates, fees, or finance outcomes.

2. Our Role

When you submit an enquiry through our Website, we may forward your enquiry and contact details to one or more independent finance brokers, lenders, or other referral partners who may contact you regarding your enquiry.

Please note:

• Referral partners are selected at our sole discretion.
• We may manually distribute enquiries based on our existing industry relationships.
• We do not guarantee that a referral partner will contact you.
• We do not guarantee that any referral partner can provide finance or suitable products.
• Any finance application, agreement, or advice is provided solely by the relevant referral partner.

Any relationship you establish with a referral partner is entirely between you and that organisation.

3. No Financial or Credit Advice

All information published on this Website is provided for general information purposes only.

Nothing on this Website constitutes:

• Financial advice
• Credit advice
• Investment advice
• Legal advice
• Taxation advice

Our Website does not take into account your personal objectives, financial situation, or individual needs.

You should obtain independent professional advice before making any financial or credit-related decisions.

4. No Guarantee

Credivo does not guarantee:

• That you will receive finance approval.
• That you will be contacted by a referral partner.
• The availability of any finance product.
• Interest rates, fees, repayment terms, or lending conditions.
• The accuracy or completeness of information provided by third parties.

Finance approvals remain subject to each lender’s own assessment criteria and policies.

5. Limitation of Liability

To the maximum extent permitted by Australian law, TRUEHEAVEN PTY LTD and Credivo exclude all liability for any loss, damage, cost, expense, or claim arising from:

• Your use of this Website.
• Your reliance on information contained on this Website.
• Your dealings with any referral partner.
• Finance applications or agreements entered into with third parties.
• Website interruptions, technical issues, or inaccuracies.

We are not responsible for the conduct, services, licensing, privacy practices, or decisions of any referral partner.

6. Third-Party Websites

This Website may contain links to external websites operated by third parties.

These links are provided for convenience only. Credivo does not endorse, control, or accept responsibility for the content, availability, security, or privacy practices of any third-party website.

Your use of any external website is at your own risk.

7. Changes to This Disclaimer

We may amend this Disclaimer from time to time without prior notice.

The most recent version will always be published on this page, and your continued use of the Website constitutes acceptance of any updated Disclaimer.

8. Contact Us

If you have any questions regarding this Disclaimer, please contact us.

TRUEHEAVEN PTY LTD
Trading as Credivo
ABN: 89 692 414 912

Email: info@credivo.com.au
Website: https://credivo.com.au