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Disclaimer

Definitions 

In this Disclaimer and Privacy Policy any references to ‘the Navado Group’, ‘we’, ‘us’ or ‘our’ means each of Navado Mortgage Consultants Pty Ltd, Navado Professional Services Pty Ltd, Navado Tax Agents and Navado Financial Advisors Pty Ltd jointly and/or severally.

Jurisdiction

This website is owned and controlled by Navado Mortgage Consultants Pty Ltd, which Company holds an Australian Credit Licence A.C.L. 392416. Navado Mortgage Consultants Pty Ltd has agreed to host content on this website, from time to time and at its own discretion, for each of Navado Professional Services Pty Ltd, Navado Tax Agents and Navado Financial Advisors Pty Ltd.   This website is hosted on a server and is governed by the laws in the State of New South Wales, Australia and you submit to the jurisdiction of that State. Navado Professional Services Pty Ltd is the only entity of the Navado Legal & Financial Group which is permitted to provide legal advice and is only permitted to provide legal advice in the State of New South Wales, Australia and may be permitted to provide legal advice in other States of Australia in accordance with those State’s laws governing the legal profession. We do not hold out that we are permitted to provide legal advice in each or any jurisdiction from which this website may be viewed or accessed.

Website content

By accessing or using this website in any way, immediately and from your very first access of this website, you unconditionally and irrevocably agree to be bound by the Conditions of Use of our website. The Conditions of Use of our website include the Privacy Policy, the Legal Disclaimer, the ethical disclosures as well as any other terms or conditions on this website. We may change the Conditions of Use of our website at our discretion and without notice. This Legal Disclaimer applies notwithstanding any other material, terms or conditions on this website.   We have created the pages on this website for your personal (non-commercial) use and enjoyment.  Any material or wording on this website is not, under any circumstances, intended to be - and does not, in any way constitute - legal, taxation, financial planning, credit, accounting or any other form of professional advice. The material or wording on this website must not, in any way, be relied on as legal, taxation, financial planning, credit, accounting or any other form of professional advice.  By providing the general information on this website we are not suggesting that you apply for a particular credit product with a particular provider of any product, nor are we trying to assist you to apply for a particular credit product with a particular provider, nor are we recommending or suggesting that you stay in any particular credit product with a particular credit provider. Navado accepts no responsibility to any person who relies on the information provided on this website.   If we have provided general product advice, it does not take into account your objectives, financial situation or needs and you should therefore consider the appropriateness of the advice, in light of your own objectives, financial situation or needs before acting on this website.  When making decisions about any financial products you should obtain a copy of and consider the Product Disclosure Statement for that product before making any decision. Navado accepts no responsibility to any person who relies on the information provided on this website.   If you require any legal, taxation, financial planning, credit, accounting or any other form of professional advice from us, you must formally retain the relevant business from the Navado Group, before you can obtain such advice.  No offer is made by us in this website. You irrevocably and unconditionally agree with us that your use of this website or the receipt of any information from us or this website is not intended to create and does not create, in any way, a professional or business or commercial relationship between you and any business/es within the Navado Group. 

For the purposes of this section, Navado Professional Services Pty Ltd trading as Navado Lawyers & Solicitors, Navado Mortgage Consultants Pty Ltd trading as Navado Mortgage Brokers, Navado Financial Advisors Pty Ltd trading as Navado Financial Advisors and Navado Tax Agents will be referred to as “the Navado Businesses” or “we” (or “the Navado Business” when referring to the singular).

Nothing contained in this website constitutes an offer.  Any material or wording appearing on this website amounts to no more than mere puffery and contains no offer or invitation to treat which is capable of acceptance by you.  Nothing contained in this website constitutes a referral from one Navado Business to another.  Any contact information provided is the contact information of the Navado Business that is marketing its services as displayed at the bottom of each webpage, for the avoidance of doubt: webpages from, of, or under ‘Legal Advisory’, ‘Litigation & Disputes’ and ‘Conveyancing’ are webpages that market the services of Navado Lawyers & Solicitors; webpages from, of, or under ‘Mortgage Broking’ are webpages that market the services of Navado Mortgage Brokers; webpages from, of, or under ‘Financial Planning’ market the services of Navado Financial Advisors; webpages from, of, or under ‘Tax & Accounting’ market the services of Navado Tax Agents; and the ‘Home’, ‘Our Values’, ‘Locations’ and ‘Contact us’ webpages market the services of each of Navado Lawyers & Solicitors, Navado Mortgage Brokers, Navado Financial Advisors and Navado Tax Agents.  You are not our client and you are not our prospective client. We have no professional relationship with you and you do not become our client until such time as we have been formally retained by you as set out in our engagement document which will be provided to you upon you becoming a prospective client.  To the extent that any referral has occurred between the Navado Businesses on the website, and we say that none has occurred or is capable of occurring, then we advise you that none of the Navado Businesses or any of its associates receive any benefits, including commission, in respect of the referral or that are attributable to the referral (and we note that if paid work results then there may be some dividend consequences that flow to the shareholders which may be common to the Navado Businesses, however, no referral fee is paid or is payable by any of the Navado Businesses to any of the other Navado Businesses or any of its associates). 

Limitation of liability

You indemnify us and save us harmless from any use by you of this website.  We are not in any way responsible to you or any person for any loss suffered in connection with the use of this website or any of the content of this website. Such indemnity extends to the transmission of any computer virus, or any other item or material that may in any way cause you damage or loss. 

Our website is linked to other websites. We have no control or influence over other websites. We accept no responsibility whatsoever for the content of those websites.

We do our best to ensure - but cannot guarantee - that the content of this website is current, but we do not guarantee its currency. To the extent permissible by law, we maintain that we will never be liable for any loss or liability (of any type or form whatsoever and however caused) arising from any use of this website and/or its content and/or the information on this website. The information on this website cannot be re-printed without our prior written express consent.  Seamless Professional Group Pty Ltd (SPG) is the owner of the Navado Registered trademark, which appears on this website. SPG does not provide any professional, legal, taxation, financial planning, accounting or credit services and cannot, at any time, in any way, be liable to you or responsible to you, whether or not you have retained any business within the Navado Group to provide you with legal, taxation, financial planning, credit, accounting or any other form of professional advice.  Any person who uses any trademark displayed on this website will infringe the intellectual property rights of SPG.

Copyright and trade marks

Unless otherwise indicated, we solely own the copyright in the content on this website. Any material or wording provided on this website is for your information and general interest only.  The information on this website cannot be re-printed without our prior written express consent.  All other use, printing, reproduction or copying is prohibited (to the extent permissible by law). Seamless Professional Group Pty Ltd (SPG) is the owner of the Navado Registered Trademark, which appears on this website and reserves all rights in relation to the Navado Registered Trademark. Any person who uses any trademark displayed on this website will infringe the intellectual property rights of SPG.

Privacy

Your browser stores cookie messages in a text file and sends these back to our website each time the browser requests a page from the website. From time to time, we may use cookies to measure usage periods accurately, as well as to obtain an idea of which areas of our website attracts traffic. Any other information provided to us by you (for example, your email address) is treated in accordance with our Privacy Policy.

The publishing of email addresses on this website is not to be inferred or taken as consent by us to receiving unsolicited commercial electronic messages or SPAM.

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