NovInvestment disclaimer
NovAsia is an information and advisory property platform covering Cambodia and Thailand. The website is operated by Omniswap Consulting - FZCO, UAE, Trade License No. 16199. Local property support in Cambodia is provided through Pointer Property Co., Ltd, licence No. EV-18-274, while Thailand support is provided through Bomi Home / Flow Income Co., Ltd, registration No. 0205566055506. Before making a decision based on the site’s materials, it is important to understand the nature of this information and the limits of NovAsia’s role. This document explains both.
What NovAsia is responsible for
- matching properties and explaining developer terms in plain language;
- separating contractual commitments from marketing projections;
- labelling sources and data status (confirmed / to be confirmed);
- supporting the transaction through local partners until handover.
What NovAsia is not responsible for
- guaranteeing returns, construction timelines or the preservation of funds;
- acting as a party to the sale-and-purchase contract (SPA) or a payment recipient;
- individual investment, legal or tax advice;
- changes in law, the market, prices and developer terms after publication.
The informational nature of the materials
All information on novasia.estate — articles, calculations, project descriptions, the yield calculator, answers to questions — is for information and education only. It is not a public offer, individual investment advice, legal or tax advice, and should not be taken as an invitation to enter a specific transaction.
NovAsia is not a financial advisor
NovAsia does not provide investment advisory services within the meaning of applicable law and owes no fiduciary duties to site users. We help match a property and understand the terms, but we do not replace an independent financial, legal or tax advisor. You make the investment decision yourself and at your own responsibility.
Who guarantees income and the buy-back
The terms of guaranteed rental income (GRR), buy-back (GBB), installments, discounts and completion dates are defined by the contract with the specific developer, not with NovAsia. The developer is the guarantor of such obligations. NovAsia does not guarantee returns, construction timelines or the preservation of invested funds, and is not a party to the sale-and-purchase contract.
On calculations and forecasts
Any yield calculations, unit examples and tables on the site are illustrative. They rely on developer data and market benchmarks at the time of publication and may not match the actual terms at the time of the deal. Past performance and forecasts do not guarantee future results. Real prices, unit availability, discounts and terms are confirmed on request and fixed in the contract.
Risks
Investing in property in a developing market carries risks: construction delays, changes in market demand and rental rates, limited resale liquidity, developer quality, changes in tax and currency law, and management and maintenance costs. This list is not exhaustive. Do not invest funds you may need in the short term.
Currency of the data
Cambodian law, tax rates, reliefs, visa rules and developer terms change. We aim to keep our materials current, but we do not guarantee that all information on the site is complete and up to date at every moment. Before a deal, check the current terms with the developer and independent specialists.
Context-specific disclaimers
Certain data and property types need qualifications. On project pages and in tools, the relevant blocks link back to these anchors.
Guaranteed rental income (GRR)
An obligation of the party named in the developer's contract — not NovAsia and not a property of the market. Rate, term and trigger conditions are verified in the SPA before purchase.
Buy-back (GBB)
An obligation of the named party to repurchase the unit at an agreed price and date. "Total return" and "net profit" are different figures; verify the legal entity, term and mechanism.
Off-plan projects
Price, layouts and timelines reflect developer data at publication and may change. Images are renders, not photographs of a finished property.
Resale and assignment
Secondary-market liquidity is limited; exit timing and price are not guaranteed. Assignment rights and fees are set by the SPA.
Borey and landed housing
Ownership form and a foreigner's land rights differ from strata title on a unit. Check the ownership structure before the deal.
Commercial property
Commercial terms, yields and tenants are not asserted and require separate confirmation for the specific transaction.
Coastal and island
Infrastructure, land status and timelines on coastal and island projects are confirmed separately; risk and liquidity may differ from Phnom Penh.
Tax and law
Rates, reliefs and practice change and depend on your tax residence. This does not replace advice from a lawyer and tax specialist.
AI answers
The AI assistant's answers navigate published materials; they are not a source of fact. Verify material terms in the contract and with the team.
Site tools and features
- Calculators (effective price, payment schedule, break-even) are illustrative models on your inputs, not an assessment of the deal.
- AI assistant helps you find materials; it gives no individual advice and does not confirm price or availability.
- Public data and asking price/rent snapshots are benchmarks from public sources as of the collection date, not an offer.
- Partner handoff — booking, viewing, the contract and payment collection are handled by the party named in the contract, not NovAsia.
Recommendation
Before making an investment decision, consult an independent financial advisor, lawyer and tax advisor, study the contract (not just the marketing materials), and where possible carry out your own due diligence on the property and the developer.