Website Terms of Use

Understand the terms that govern your access to and use of the Credivo website. These Terms of Use outline your rights, responsibilities, and the conditions that apply when using our website and submitting enquiries for finance-related services.

Last Updated: [22 July 2026]

These Terms of Use (“Terms”) govern your access to and use of the credivo.com.au website (“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 agree to comply with these Terms of Use. If you do not agree with these Terms, please discontinue using the Website immediately.

1. About Credivo

Credivo operates an online lead generation and referral platform within the Australian asset finance industry. We provide information and connect users with finance professionals and lenders.

Credivo is not a lender, credit provider, or finance broker. We do not provide financial advice or make lending decisions. Please read our Disclaimer, which forms part of these Terms of Use.

2. Eligibility

This Website is intended for individuals who:

Are at least 18 years of age.
Reside in Australia.
Are legally able to enter into binding agreements.

By using this Website, you confirm that you satisfy these requirements.

3. Your Enquiry

When submitting an enquiry through our Website, you agree that:

The information you provide is accurate, complete, and current.
You will not provide false, misleading, or fraudulent information.
You consent to your enquiry being shared with one or more referral partners in accordance with our Privacy Policy.
You consent to receiving communications by phone, email, or SMS regarding your enquiry.
Submitting an enquiry does not guarantee finance approval, a loan offer, or that you will be contacted.

4. No Guarantee of Outcome

Credivo does not guarantee:

That a referral partner will contact you.
That any finance application will be approved.
The interest rates, fees, repayment terms, or conditions offered by any referral partner.
The suitability or availability of any finance product.

Any finance product or service offered is solely the responsibility of the relevant lender or referral partner.

5. Intellectual Property

All content on this Website, including text, graphics, logos, images, icons, layouts, and design elements, is owned by or licensed to Credivo and is protected under Australian copyright and intellectual property laws.

You may not copy, reproduce, modify, distribute, publish, or create derivative works from any Website content without our prior written permission.

6. Acceptable Use

You agree not to:

Use the Website for any unlawful or fraudulent purpose.
Submit false or misleading information.
Attempt to gain unauthorised access to the Website or its systems.
Introduce viruses, malware, or harmful code.
Use automated software, bots, scrapers, or similar tools to access or collect Website data.
Interfere with the Website’s operation or security.

7. Limitation of Liability

To the maximum extent permitted by law, Credivo excludes all liability for any direct, indirect, incidental, special, or consequential loss or damage arising from:

Your use of or inability to use the Website.
Any reliance placed on information contained on the Website.
The actions, products, or services of referral partners or third parties.
Website interruptions, technical issues, errors, or omissions.

Nothing in these Terms excludes or limits any rights that cannot legally be excluded under the Australian Consumer Law.

8. Indemnity

You agree to indemnify and hold harmless TRUEHEAVEN PTY LTD, Credivo, its directors, employees, contractors, and representatives against any claims, losses, damages, liabilities, costs, or expenses arising from:

Your breach of these Terms.
Your misuse of the Website.
Your violation of any applicable law or third-party rights.

9. Changes to These Terms

We may update these Terms of Use at any time without prior notice. Any changes will become effective once published on this page.

Your continued use of the Website after changes are posted constitutes your acceptance of the updated Terms.

10. Governing Law

These Terms are governed by the laws of Australia.

You agree that any disputes relating to these Terms or your use of the Website will be subject to the exclusive jurisdiction of the Australian courts.

11. Contact Us

If you have any questions regarding these Terms of Use, please contact us.

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

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