- Our Site Content
2.1 No information on our Site, our Site’s associated blog, forum, loan assessment analyzer, interest rate indicator, loan calculator and/or any other applications (collectively “Platform”), or our newsletters, marketing materials, promotional updates or other email updates (collectively, our “Updates“) which you may have viewed, subscribed to or downloaded via our Site, constitutes financial advice, legal advice or any other form of advice for which a license to provide such advice may be required under applicable law.
2.2 The content on our Site, Platform and Updates are meant to provide information regarding our Company, our services, our experience in assisting customers to procure loans, as well as general knowledge on loans, interest rates and other related matters. The aforesaid information may be dependent on their provision by third parties such as financial institutions, however, our Site may not be updated concurrently with the changes implemented by the aforesaid third parties. Accordingly, in the event that you wish to obtain more specific and updated information in relation to such financial institutions, their loan guidelines, interest rates and other matters, please either email us at firstname.lastname@example.org, contact the third parties directly and/or check their websites. Neither our Site, nor our Platform, nor our Updates, is intended to be a substitute for any financial advice nor any representations by any financial institutions or any licensed financial planners, and you should seek specific professional financial advice on any financial subject-matter for which you require specific input.
2.3 Reports or results generated by our Apps (defined in Clause 2.6 below), and any general knowledge, opinions, FAQs and answers expressed on our Site, our Platform and our Updates constitutes the sole discretionary opinion of our Company, and where applicable, third party writers, reviewers, individual contributors from the public, and consultants whose names shall be published along with such tips and/or opinions only, and does not represent the opinion of any MAS-licensed financial advisors or financial institutions (unless otherwise stated).
2.4 Any information on our Site and Platform regarding any loans are based on information made available by the lending financial institutions (“Financial Institutions”), and as such the information may be amended at any time in the sole discretion of the Financial Institutions without any prior notice to our Company. Our Company therefore provides no warranties on the accuracy, correctness or updated-ness of such information. For the avoidance of doubt, neither our Site nor our Company are agents of the Financial Institutions, and as such, unless otherwise conveyed to you in writing, our Company has no authority to make any representations on behalf of any Financial Institutions (whether in relation to your eligibility for a loan or otherwise), nor to bind any of the Financial Institutions in any contract to you.
2.5 All materials and information displayed on our Site, our Updates and/or our Platform is for your general knowledge and personal edification only. The statements on our Site, our Platform, and Updates describing the various loans, guidelines for obtaining a loan, interest rates, benefits of one type of loan versus another, any information about any Financial Institutions and other related information have not been assessed or evaluated by the Monetary Authority of Singapore (“MAS”) or any of the Financial Institutions.
2.6 The effectiveness or results of using any loan analyzer, loan repayment calculators, interest rate calculators, and other applications on our Site (collectively, our “Apps”) is not a guarantee by our Company that the results of your loan applications and/or terms and conditions of your loan will mirror the results derived from our Apps. In addition, results derived from our Apps may not necessarily equate to a successful loan application or interest rates as per our Apps or the actual materialization of any results or reports derived via our Apps. Our Apps are not intended to provide any definitive financial planning, budgeting, review or assessment of your personal or corporate finances, and you should therefore not rely solely on the results of your use of our Apps nor is our Company bound to you legally or contractually due to your use of our Apps or your reliance on the results generated by our Apps.
2.6 Reviews of our services, our Apps, our Site and other matters related to our Company posted by individuals or third party companies on our Site and our Platform are the personal views of such individuals or third party companies, and does not represent the view of the Company, nor any implied endorsement or recommendation by the Company. Such reviews are also not to be deemed as any warranty, express or implied, of the effectiveness or results of the reviewed services or Apps. For the avoidance of doubt, the result of any loan applications will vary from individual to individual and company to company.
- Intellectual Property
3.1 All content, including any write-ups, diagrams, charts, layout, photographs and drawings, as displayed on our Site, our Platform and in our Updates are protected by copyright, design registrations, trade mark registrations and/or other intellectual property rights (whether owned by the Company or licensed to the Company). You agree therefore that without our Company’s prior written consent, you are not permitted to reproduce, copy, download, extract, store, distribute, sell, modify or create derivative works from, any part of the content found on our Site, our Platform or in our Updates. We reserve our rights to take legal action against you for any such unauthorized use of our content.
3.2 All company names (including our Company’s name and the company names of the Financial Institutions), logos, trademarks, service marks, brands (collectively the “Branding“) represented on our Site, our Platform and in our Updates belong to our Company or to third parties who have agreed (or permitted our Company) to display their Branding on our Site, our Platform and in our Updates. You are therefore not permitted to copy, replicate, modify, extract, download or howsoever use any such Branding for any purpose whatsoever without the prior written consent of our Company.
- Third Party Sites and Browsing Experience
4.1 Please note that we do not control any links, services, content, products or resources provided by other third parties referenced or linked to our Site, our Platform, or in our Updates, even if such third party’s website may be co-branded with ours by bearing our Company logo or name. We seek your understanding that we are unable to control or influence any third parties’ actions even if their websites are hyperlinked on our Site, our Platform, or in our Updates. Accordingly, should you decide to use or access such third parties’ websites, all use and access are at your sole risk and subject to the terms and conditions of use of such third parties’ websites. If you have any query on the terms and conditions of use of such third parties’ websites or their services or products, please contact the third parties directly.
4.2 You agree that our Company may employ cookies, action tags or other legal technological means to record your anonymized accessing of our Site for the purpose of providing better services and enhancing your browsing experience.
5.1 Our Site, our Platform, our Updates and our Apps are not meant for persons who may be defined as minors under applicable law. However, it is not possible for our Company to determine whether any user of our Site is a minor. If you are a minor, please discontinue the use of our Site immediately. It is the responsibility of parents and legal guardians to monitor whether a minor is using our Site.
6.1 In the event that you provide us with any feedback and comments, whether via email to our Company or posting on our Platform, we thank you for taking the time to write to us, and your feedback and comments are appreciated. Any such feedback, postings, and comments from you (“Feedback”) shall become and remain the property of our Company. Our Company shall be entitled in its sole discretion to howsoever use, publish or disseminate such Feedback, with or without attribution to you as the Feedback’s author, and without having to notify you or seek your consent in advance. Accordingly, you agree that you assign all ownership (including but not limited to copyright) in the Feedback to our Company once you submit your Feedback to our Company, and you further agree to waive all moral rights over your Feedback once submitted to the Company.
6.2 Kindly note that you are responsible for your Feedback, and you should ensure that such Feedback does not contain any libelous, scandalous, defamatory, seditious, misleading, misrepresentative, abusive or infringing contents, particularly if such Feedback will be published to the public whether via our Site, our Platform, our Updates or other means (even if you were not aware that your Feedback would be published). You agree to fully hold harmless and indemnify our Company for all losses and costs suffered or incurred by our Company due to your Feedback, including but not limited to third party claims, legal fees, settlement amounts, fines, penalties, and law enforcement actions.
- Disclaimers and Limitation of Liability
7.1 While we have exercised due care in the preparation of all content displayed on our Site, our Platform and in our Updates, such content, applications, financial tools, information and materials are provided “AS IS”, “WITH ALL FAULTS” and “AS AVAILABLE”.
7.2 YOUR USE OF OUR SITE, OUR PLATFORM, OUR UPDATES AND OUR APPS IS AT YOUR OWN DISCRETION AND RISK. OUR COMPANY MAKES NO CLAIMS, REPRESENTATIONS, WARRANTIES (EXPRESS OR IMPLIED) OR PROMISES ABOUT THE QUALITY, ACCURACY, UPDATENESS, NON-OMISSIONS, CONTINUED ACCESSIBILITY, FITNESS FOR A PARTICULAR PURPOSE (EVEN IF WE HAVE BEEN INFORMED IN ADVANCE OF SUCH PURPOSE) OR RELIABILITY OF OUR SITE, OUR PLATFORM, OUR UPDATES OR OUR APPS, INCLUDING BUT NOT LIMITED TO THEIR SAFETY OR SECURITY, FREEDOM FROM COMPUTER VIRUSES, AND FULLPROOF SECURITY AGAINST THIRD PARTY HACKERS.
7.4 Our Company further disclaims any and all liability for any losses or damages that you may incur as a direct result of using or accessing our Site, our Platform or Updates, including but not limited to any virus, trojan horse or worm attacks on your computer.
7.5 In the event that our Company’s liability to you in relation to our Site, our Platform and/or Updates cannot be fully disclaimed, you agree that our Company’s total liability to you shall not exceed S$100.
- Governing Law and Jurisdiction
10.3 A person who is not a party to this Agreement shall have no right under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce any of its terms.