Special Notice

External Website Notice

You are going to be directed to another websites operated by third party. Nova Credit Limited has no control over the content of such websites or the way in which such third party uses your personal data. You should read the terms and conditions of such third party websites to understand how it may use your data.


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Terms of Use



By accessing or using www.nova-credit.com (“our site”), you confirm that you unconditionally accept these Terms of Use (“Terms”) and that you agree to comply with these Terms and all applicable laws and regulations.  Nova Credit Limited (“we”, “us” or “our”) may modify these Terms from time to time without any prior notice to you.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend, withdraw or restrict the availability of all or any part of our site at any time.

Our site is directed to those who access it within Hong Kong. Accordingly, we cannot guarantee that our site or the information contained in it complies with the law or regulation of jurisdictions other than Hong Kong, or is appropriate for use, in other places. We do not represent that the content available on or through our site is appropriate for use or available in other locations.


The content on our site is provided for general reference and information purposes only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Whilst we use reasonable endeavours to improve our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date. The content contained in our site may be subject to change without notice and persons accessing our site should contact us for confirmation whenever necessary.

You acknowledge and agree that you are solely responsible for the use of our site and all the information you obtain therefrom. Save in respect of liability for death or personal injury arising out of negligence or for fraudulent misrepresentation on our part, we are not liable in any event for any loss or damage whatsoever (including without limitation special, incidental or consequential loss or damage) arising out of or in connection with your access to or use of or inability to use our site or in reliance on the content of our site, and that all warranties, conditions, undertakings, representations and terms, whether express or implied, statutory or otherwise, are hereby excluded to the fullest extent permitted by law.

We do not guarantee that our site will be secure or free from bugs or viruses.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site.

Intellectual Property Rights 

We and other relevant parties (as applicable) own the trade marks, trade names, logos and all other intellectual property rights in all information and materials displayed on our site. These may not be used without the prior written consent of us or the parties owning them.

All information and materials on our site are protected by copyright laws and treaties around the world. All such rights are reserved. You are not allowed to modify, reproduce, store, transmit, copy or distribute any of these information and materials, or use them for creating derivative works or in any other way for commercial or public purposes, without our prior written consent.


You agree to indemnify us against any action, claim, proceeding commenced against us and any loss, damage, liability or expenses suffered or incurred by us as a result of any breach of these terms of use.


Where our site may contain links to other sites and resources provided by third parties, these links are provided for your information or convenience only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. The provision of such links does not mean we have any business relationship with such third parties.


If any part of these Terms is unenforceable (including any provision in which we exclude our liability to you) the enforceability of any other part of these Terms will not be affected.

Governing Law 

These Terms and your use of our site are governed by Hong Kong law and any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Hong Kong.

Language Versions 

If there is any inconsistency or ambiguity between the English version and the Chinese version of these Terms, the English version shall prevail.

Use of Cookies

To enable us to understand your user preferences and improve your user experience, we may use cookies to recognise your device and record your use of our site. The cookies do not contain your personal information such as your name, address, phone number or email address. We do not collect any personally identifiable information through cookies.

Most internet browsers are initially set to accept cookies. You may choose to block, delete or disable cookies through your browser setting; however by doing so, some features on our site may not work properly and your user experience may be affected.

Last updated: 30 June 2023