Terms of Service

Last Updated: 8 August 2026

Welcome to the Novox Finance website.

These Terms of Service govern your use of the Novox Finance website and the services and information made available through it.

By accessing or using this website, you agree to be bound by these Terms of Service. If you do not agree with these terms, please do not use the website.

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1. About Novox Finance

Novox Finance is a South African finance brokerage that assists individuals and businesses in sourcing finance solutions through a network of banks, specialist finance providers and private lenders.

Novox Finance acts as an intermediary between clients and potential finance providers.

Novox Finance is not itself a bank or lender unless expressly stated otherwise.

Our role may include understanding your finance requirements, assisting with the preparation of an application and submitting relevant information to appropriate finance providers.

2. Use of This Website

You may use this website for lawful purposes and in accordance with these Terms of Service.

You agree not to:

• Use the website for unlawful purposes
• Submit false, misleading or fraudulent information
• Attempt to gain unauthorised access to the website or its systems
• Interfere with the operation or security of the website
• Introduce malicious software or harmful code
• Copy or reproduce website content without permission
• Use the website to infringe the rights of another person or organisation
• Attempt to collect or access information belonging to other users

We reserve the right to restrict or terminate access to the website where we reasonably believe that these Terms have been breached.

3. Finance Enquiries

Submitting an enquiry through the Novox Finance website does not constitute a finance application approval, loan agreement or guarantee that finance will be provided.

When you submit an enquiry, we may contact you to obtain additional information required to understand your requirements and determine which finance providers may be appropriate.

A finance application may be subject to additional documentation, verification, credit assessment and lender-specific requirements.

4. No Guarantee of Finance Approval

Novox Finance does not guarantee that:

• Your application will be approved
• A lender will offer finance
• You will receive a particular interest rate
• You will receive a particular finance amount
• You will receive a particular repayment period
• A particular lender will accept your application

All finance approvals are subject to the applicable lender’s assessment criteria, policies, affordability requirements, credit assessment and final approval.

5. Finance Providers

Novox Finance may submit or introduce finance applications to one or more banks, finance houses, specialist finance providers or private lenders.

Each finance provider may have its own:

• Approval criteria
• Interest rates
• Fees
• Terms and conditions
• Documentation requirements
• Credit assessment procedures
• Risk policies

Where a finance provider makes an offer, the terms of that offer will be determined by the relevant finance provider.

You should carefully review any finance agreement or offer before accepting it.

6. Information You Provide

You agree that information submitted to Novox Finance will be accurate, complete and up to date.

You must not knowingly provide:

• False information
• Misleading information
• Fraudulent documentation
• Incorrect financial information
• Information belonging to another person without authorisation

Providing inaccurate or misleading information may affect your finance application and may have legal consequences.

If information you have provided changes, you should notify us as soon as reasonably possible.

7. Finance Assessment

Where appropriate, Novox Finance may use information provided by you to assess your finance requirements and determine which finance providers or finance solutions may be suitable.

Depending on the nature of the finance requested, additional information may be required, including financial, employment, business, banking, identification or asset-related information.

Any credit assessment or lending decision remains the responsibility of the relevant finance provider.

8. Credit Checks

Where required as part of a finance application, you may be required to provide appropriate consent for a lender or authorised service provider to conduct credit checks or obtain information from relevant credit bureaux or other lawful sources.

Credit checks may form part of the lender’s assessment process.

Novox Finance does not control the credit assessment criteria applied by individual lenders.

9. Finance for Assets

Novox Finance may assist with finance for various assets, including:

• Vehicles
• Commercial Vehicles
• Fleet Vehicles
• Agricultural Equipment
• Construction Equipment
• Mining Equipment
• Industrial Equipment
• Manufacturing Machinery
• Plant Equipment
• Trailers
• Leisure Assets
• Other movable assets

The availability of finance depends on the requirements and policies of the relevant finance provider.

The fact that an asset appears on our website or is described as potentially financeable does not guarantee that finance will be available for that particular asset.

10. Asset Age and Condition

Novox Finance may assist with finance for new, used and certain older assets.

However, the age, condition, value, type and suitability of an asset may affect whether a finance provider is willing to finance it.

Individual lenders may apply their own restrictions regarding asset age, condition, valuation and repayment period.

11. Business Finance

Business finance may be available to established businesses that meet the relevant requirements of the finance provider.

The availability and amount of business finance may depend on factors including:

• Business trading history
• Financial performance
• Turnover
• Cash flow
• Existing obligations
• Credit profile
• Business structure
• Security requirements
• The intended use of the funding

Any minimum requirements displayed on our website are indicative and do not guarantee approval.

12. Fees and Charges

Any fees, charges, commissions or costs applicable to a finance transaction will depend on the relevant arrangement and finance provider.

Where applicable, you will be informed of relevant fees or charges before you are required to accept a transaction or finance agreement.

You should review all documentation carefully before entering into a finance agreement.

13. Third-Party Information

Our website may contain information relating to third-party lenders, financial products, services, assets, suppliers or other organisations.

Such information may be provided for general informational purposes.

Novox Finance does not guarantee that third-party information is complete, accurate, current or suitable for your particular circumstances.

Where you enter into an agreement with a third party, that agreement will be governed by the terms and conditions of the relevant third party.

14. Website Information

We make reasonable efforts to ensure that information published on our website is accurate and up to date.

However, we do not guarantee that all information will always be:

• Complete
• Accurate
• Current
• Error-free
• Available

Finance products, lending criteria, interest rates, requirements and other information may change without notice.

Website content should therefore not be regarded as a binding offer of finance.

15. No Financial Advice

Information provided on this website is intended for general informational purposes.

The information should not be interpreted as personalised financial, legal, tax, accounting or investment advice.

You should obtain appropriate professional advice based on your individual circumstances before making significant financial decisions.

16. Intellectual Property

Unless otherwise stated, all content appearing on this website is owned by or licensed to Novox Finance.

This includes:

• Logos
• Branding
• Text
• Graphics
• Images
• Website design
• Layout
• Icons
• Videos
• Other original website content

You may view and use the website for your personal or legitimate business purposes.

You may not reproduce, modify, distribute, publish, sell or commercially exploit website content without prior written permission from Novox Finance.

17. Website Availability

We aim to keep the website available and functioning properly.

However, we do not guarantee that the website will always be available, uninterrupted or free from errors.

The website may occasionally be unavailable due to:

• Maintenance
• Updates
• Technical problems
• Hosting issues
• Network failures
• Security incidents
• Circumstances beyond our reasonable control

18. External Links

Our website may contain links to external websites operated by third parties.

These links are provided for convenience and informational purposes.

Novox Finance does not control or accept responsibility for the content, security, availability or privacy practices of third-party websites.

You access third-party websites at your own risk and should review their applicable terms and privacy policies.

19. Privacy

Your use of the website is also subject to our Privacy Policy, which explains how we collect, use, store and protect personal information.

By using our website or submitting information to us, you acknowledge that your information may be processed in accordance with our Privacy Policy and applicable South African data-protection legislation.

20. Limitation of Liability

To the extent permitted by applicable law, Novox Finance will not be liable for losses arising from:

• Your use of or inability to use the website
• Reliance on information published on the website
• A lender declining or withdrawing finance
• Changes to lender requirements
• Third-party services
• Delays caused by third parties
• Technical failures
• Unauthorised access caused by circumstances beyond our reasonable control
• Finance agreements entered into between you and a third-party lender

Nothing in these Terms is intended to exclude or limit liability where such exclusion or limitation is prohibited by applicable law.

21. Indemnity

To the extent permitted by law, you agree to indemnify and hold Novox Finance harmless against claims, losses, damages, liabilities and reasonable costs arising from your:

• Breach of these Terms
• Misuse of the website
• Submission of false or misleading information
• Unlawful use of the website
• Violation of another person’s rights

This clause does not apply to the extent that the relevant loss or liability was caused by Novox Finance’s own unlawful conduct or negligence.

22. Changes to These Terms

Novox Finance may update these Terms of Service from time to time.

Updated terms will be published on this page together with an updated “Last Updated” date.

Your continued use of the website after updated Terms have been published constitutes acceptance of the updated Terms, to the extent permitted by law.

23. Governing Law

These Terms of Service are governed by the laws of the Republic of South Africa.

Any dispute relating to these Terms or your use of the website will be subject to the applicable laws and jurisdiction of South Africa.

24. Contact Us

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