By accessing or using the Ex Nihilo Finance website at exnihilo.com.au (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site.
These Terms of Use apply to all visitors, users, and others who access or use the Site.
Ex Nihilo Finance Pty Ltd (ACN 688 661 430) holds Australian Credit Licence 123456 and is authorised to engage in credit activities. Our registered office is Level 7, Chadstone Tower One, 1341 Dandenong Rd, Chadstone VIC 3148.
You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of others or restrict or inhibit anyone else's use of the Site. You must not:
The content on this Site is provided for general information only and does not constitute financial, credit, investment, legal, or tax advice. Any information is not a substitute for professional advice tailored to your specific circumstances.
You should obtain independent professional advice before making any financial decisions based on information found on this Site.
All content on this Site, including text, graphics, logos, and software, is the property of Ex Nihilo Finance Pty Ltd or its content suppliers and is protected by Australian and international copyright laws. You may not reproduce, distribute, or create derivative works from any content on this Site without our express written permission.
The Site may contain links to third-party websites or services. We have no control over the content or practices of these third parties and accept no responsibility for them. Links do not constitute endorsement of any products, services, or content.
Bank statement collection is facilitated by Illion (bank statements.com.au). Your use of that service is subject to Illion's own terms and privacy policy.
To the maximum extent permitted by law, Ex Nihilo Finance Pty Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this Site or its content.
Nothing in these Terms limits any rights you may have under the Australian Consumer Law or any other applicable legislation that cannot be excluded.
Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference.
We may update these Terms of Use at any time. Changes take effect immediately upon posting to the Site. Your continued use of the Site after any changes constitutes acceptance of the new terms.
These Terms of Use are governed by the laws of Victoria, Australia. You submit to the exclusive jurisdiction of the courts of Victoria for any dispute arising out of these terms or your use of the Site.
Questions about these Terms?
Ex Nihilo Finance Pty Ltd
Level 7, Chadstone Tower One, 1341 Dandenong Rd, Chadstone VIC 3148
Email: hello@exnihilo.com.au · Phone: 1300 396 445