Terms & Conditions

1. Terms

These Terms & Conditions govern your access to and use of this website and any related websites operated by NWA Group Pty Ltd (National Wealth Advisory).

By accessing or using this website, you agree to these terms and to comply with applicable laws and regulations. If you do not agree with these terms, you should not use this website.

Nothing in these terms excludes, restricts or modifies any right or remedy that cannot lawfully be excluded, restricted or modified under the Australian Consumer Law or other applicable legislation.

2. Permitted use

Unless otherwise stated, the content on this website is owned by or licensed to NWA Group Pty Ltd and is protected by applicable intellectual property laws.

You may access and use the website for your personal, non-commercial use. You must not, without prior written permission:

• reproduce, republish or commercially exploit substantial parts of the website or its content;
• modify or remove copyright, trade mark or other proprietary notices;
• attempt to reverse engineer, interfere with or gain unauthorised access to website software, systems or security features;
• use the website for any unlawful, fraudulent or misleading purpose; or
• use automated systems to access the website in a manner that materially interferes with its operation.

3. General information and no personal advice

General information only. Information published on this website is general in nature and does not take into account your individual objectives, financial situation or needs.

Content on this website does not constitute personal financial, investment, taxation, credit or legal advice.

Any figures, examples, scenarios, calculators, case studies or modelled outcomes are provided for illustrative purposes only. Actual rates, costs, borrowing capacity, eligibility, taxation consequences and financial outcomes depend on individual circumstances and the terms of the relevant provider.

Past performance, examples and modelled outcomes are not indicative of future results. Approval for any credit or financial product is not guaranteed.

Before making a financial, investment or credit decision, you should review the applicable terms and consider whether the product, strategy or service is appropriate for your circumstances. Where appropriate, you should seek advice from a suitably qualified and licensed professional.

4. Mortgage and finance services

Mortgage and finance services are provided under Allied Mortgage Corporation Australia Pty Ltd (ABN 71 126 679 294, Australian Credit Licence 386153).

NWA Group Pty Ltd Home Loans services are powered through Australian Credit Licence 384324.

The availability of any loan or finance product is subject to the applicable lender's lending criteria, assessment procedures, terms and conditions. Interest rates, fees, features and eligibility criteria may change from time to time.

Nothing published on this website represents a guarantee that a lender will approve an application or provide finance on any particular terms.

5. Referral and marketing partners

NWA Group Pty Ltd may introduce you to third-party providers where their products or services may be relevant to your enquiry or to services you choose to engage us for.

These providers may include mortgage and finance providers, appropriately licensed financial advisers, accountants and tax professionals, solicitors and conveyancers, lenders, and property related service providers.

NWA Group Pty Ltd may receive a commission or referral fee in connection with some introductions. The amount and basis of a commission may vary depending on the provider, lender, product or arrangement and will be disclosed where required.

You are not required to accept a referral and may choose to obtain services from your own independent professional advisers or providers.

Where personal information is provided to a third party, it will be handled in accordance with our Privacy Policy and applicable privacy laws.

6. Disclaimer

To the maximum extent permitted by law, this website and its content are provided on an “as available” basis.

While reasonable care is taken in preparing the information published on this website, NWA Group Pty Ltd does not guarantee that all content will at all times be complete, current, error-free or suitable for every user's circumstances.

Information may become outdated due to changes in laws, regulations, lending criteria, interest rates, provider terms, market conditions or other circumstances outside our control.

Nothing in this section excludes any statutory guarantee, right or remedy that cannot lawfully be excluded.

7. Limitation of liability

To the maximum extent permitted by law, NWA Group Pty Ltd is not liable for loss arising solely from reliance on general information published on this website where that information has not been represented as advice tailored to your individual circumstances.

NWA Group Pty Ltd is not responsible for the independent acts, omissions, decisions, products or services of third-party providers, except to the extent that responsibility cannot lawfully be excluded.

These terms do not exclude, restrict or modify any consumer guarantee, statutory right or remedy available to you under the Australian Consumer Law or any other applicable law where doing so would be unlawful.

8. Accuracy of information

We aim to keep the information on this website accurate and current, but information may contain errors, omissions or information that has become outdated.

Rates, fees, lending requirements, product features and third-party terms can change without notice. You should confirm important information directly with the relevant provider before relying on it or making a decision.

We may update, correct or remove website content at any time.

9. Third-party links

This website may contain links to websites operated by third parties. Those websites are not controlled by NWA Group Pty Ltd and may have their own terms, privacy policies and practices.

The inclusion of a link does not necessarily constitute an endorsement of all information, products or services available on the linked website.

You should review the relevant terms and privacy information before providing information to or acquiring products or services from a third-party website.

10. Marketing communications

Where you provide your contact details and consent to receiving marketing communications, NWA Group Pty Ltd and, where disclosed to you, relevant marketing or referral partners may contact you by telephone, email or SMS about products or services relevant to your enquiry.

You can request to stop receiving marketing communications at any time using the unsubscribe or opt-out method provided in the communication, or by contacting us.

We will process opt-out requests in accordance with applicable Australian privacy, spam and direct marketing requirements.

For more information about how we collect, use and disclose personal information, please see our Privacy Policy.

11. Changes to these terms

We may update these Terms & Conditions from time to time to reflect changes to our website, services, business practices or applicable law.

The current version will be published on this page together with the date it was last updated.

Your continued use of the website after an updated version has been published is subject to the terms then in effect, to the extent permitted by law.

12. Governing law

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

Subject to any rights you may have under applicable legislation, the courts of Queensland and courts entitled to hear appeals from those courts have jurisdiction in relation to disputes concerning these terms.