1. Introduction

 

These Terms & Conditions govern the use of services provided by NovaRock Financial.

By engaging our services, you agree to these terms in full.

 

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2. Nature of Service

 

NovaRock Financial provides administrative and budgeting support services only.

We assist in organising financial information, preparing documentation, and supporting communication based on client instruction.

We do not provide financial advice, debt advice, or any regulated financial services.

 

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3. Client Responsibility

 

You are solely responsible for:

• All financial decisions

• Any agreements entered into with creditors or third parties

• The accuracy of information you provide

NovaRock Financial does not make decisions on your behalf.

 

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4. No Guarantees

 

We do not guarantee any specific outcomes, including:

• Acceptance of payment plans

• Reduction of balances

• Agreement from creditors

All outcomes depend on third parties.

 

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5. Fees & Payment

 

• Services are provided on a monthly fee basis (or as agreed)

• Payments must be made in advance

• Services may be paused or terminated if payment is not received

You may cancel services at any time with reasonable notice.

 

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6. Limitation of Liability

 

NovaRock Financial shall not be held liable for:

• Financial decisions made by clients

• Outcomes of creditor interactions

• Any losses resulting from reliance on administrative support

Our role is limited strictly to organisational and administrative assistance.

 

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7. No Handling of Funds

 

NovaRock Financial does not:

• Hold client money

• Make payments on behalf of clients

• Act as a payment intermediary

 

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8. Data & Confidentiality

 

All client information is handled in accordance with our Privacy Policy.

 

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9. Governing Law

 

These terms are governed by the laws of England and Wales.