1. Acceptance of terms
By accessing or using the website nova-fides.org (the "Website"), operated by Nova Fides GmbH, Kornmarkt 1 A, 60311 Frankfurt am Main, Deutschland ("Nova Fides", "we", "us"), you agree to these Terms of Service. If you do not agree, please do not use the Website.
2. Nature of the information provided
The Website provides general information about distressed loan management and credit servicing concepts, and about how Nova Fides coordinates such matters for clients that have engaged it directly. Content on this Website is provided for general informational purposes only and does not constitute financial, legal, tax, or investment advice.
Nothing on this Website should be treated as a personal recommendation regarding any specific loan, credit arrangement, or financial decision. You should seek independent professional advice before making any financial decision.
3. No paid services on this website
This Website does not sell products, process payments, or offer any paid consultation, subscription, or advisory service. Any engagement of Nova Fides for credit servicing or loan management coordination is arranged separately, outside of this Website, and is subject to its own written agreement.
4. Permitted use
You may view and use the Website for your own personal or internal business informational purposes. You may not use automated means to extract content at scale, attempt to gain unauthorised access to the Website or its systems, or use the Website in a way that could damage, disable, or impair it.
5. Accuracy of information
We take reasonable care to keep information on this Website accurate and up to date, but we make no warranty, express or implied, that the content is complete, accurate, or suitable for your particular circumstances. Distressed loan management and credit servicing practices are shaped by rules that can change, and by the specific facts of each case.
6. Intellectual property
Unless otherwise indicated, the text, layout, and design of this Website are owned by or licensed to Nova Fides GmbH. Photographs used on this Website are used under free-to-use licences from their respective sources. You may not reproduce or redistribute Website content for commercial purposes without our prior written consent.
7. Third-party links
This Website may reference or link to third-party resources for context. We do not control and are not responsible for the content, accuracy, or availability of third-party websites.
8. Limitation of liability
To the fullest extent permitted by applicable law, Nova Fides GmbH shall not be liable for any indirect, incidental, or consequential loss arising from your use of, or inability to use, this Website or reliance on its content. Nothing in these terms excludes liability that cannot be excluded under German law, including liability for wilful misconduct or gross negligence.
9. Governing law
These terms are governed by the laws of the Federal Republic of Germany. The courts of Frankfurt am Main shall have jurisdiction over any dispute arising from these terms, unless mandatory consumer protection rules provide otherwise.
10. Changes to these terms
We may update these Terms of Service from time to time. The "last updated" date at the top of this page reflects the most recent revision. Continued use of the Website after changes take effect constitutes acceptance of the revised terms.
11. Contact
Questions about these Terms of Service can be sent to support@nova-fides.org.