Terms and Conditions

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Welcome to loanssg.com (the "Website"). This Website is owned and operated by LoanSSG Pte. Ltd. ("we", "us", "our"). These Terms and Conditions ("Terms") govern your access to and use of our Website and the services, information, and tools provided herein (collectively, the "Service").

Please read these Terms carefully before using our Service. By accessing, browsing, or using this Website, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and our Privacy Policy, which is hereby incorporated by reference. If you do not agree to any of these Terms, you must not access or use the Website.

1. Acceptance of Terms

By using the Service, you are entering into a legally binding agreement with us. You represent that you are of legal age to form a binding contract in Singapore (i.e., you are at least 18 years old) and have the authority to enter into these Terms. Your continued use of the Website following the posting of any changes to these Terms constitutes your acceptance of those changes.

2. Description of Service

LoanSSG.com is an independent online information and comparison portal. Our Service provides you with information and comparisons of various loan products, including personal loans, business loans, and mortgages, offered by different banks and financial institutions ("Providers") in Singapore.

Key aspects of our Service include:

• Aggregating publicly available information about loan products.
• Presenting this information in a comparative format to help you research and identify products that may suit your needs.
• Providing links to the official websites of these Providers for you to proceed with an application or to get more detailed information.

Please be aware that loanssg.com is not a bank, a licensed moneylender, a financial advisor, a broker, or a lender. We do not offer or originate loans. We do not make credit decisions. Our role is strictly limited to being an impartial informational intermediary.

3. Important Disclaimers and Role of LoanSSG

3.1. Information for Comparison Purposes Only

All information, content, and tools provided on the Website are for general informational and comparison purposes only. The Service is designed to assist you in your personal research and decision-making process. The display of any loan product on our Website is not an offer by us to provide that loan to you.

3.2. No Financial Advice

We are not a financial advisor. The content on this Website does not constitute, and should not be interpreted as, financial, investment, legal, tax, or any other form of professional advice. We do not provide personalised recommendations or advice tailored to your specific financial situation or needs. Your personal financial circumstances are unique, and any information obtained through our Service may not be appropriate for your situation. We strongly recommend that you seek independent professional advice from a qualified financial advisor regulated by the Monetary Authority of Singapore (MAS) before making any financial decisions or applying for any financial product.

3.3. Information Accuracy

We make commercially reasonable efforts to ensure that the information presented on our Website is accurate and up-to-date. However, the financial market is dynamic. Interest rates, fees, product features, and other terms and conditions are set by the Providers and are subject to change frequently and without notice. While we strive for accuracy, we do not warrant, guarantee, or represent the completeness, timeliness, or accuracy of any information on the Website. You must verify all product information directly with the respective Provider before entering into any agreement. We are not responsible for any discrepancies between the information on our Website and the information provided by the Provider.

3.4. No Endorsement

The inclusion of a Provider or a financial product on our Website does not constitute an endorsement, recommendation, or sponsorship by loanssg.com. We are an impartial platform and do not favour any specific Provider. The order in which products are displayed is based on a combination of factors and should not be seen as a ranking or endorsement.

4. User Obligations

By using this Website, you agree to:

• Use the Service for lawful, personal, and non-commercial purposes only.
• Provide accurate, current, and complete information if you use any calculators or forms on the Website.
• Not engage in any activity that could interfere with, disrupt, or otherwise negatively affect the operation of the Website or its security.
• Be solely responsible for any decisions you make based on the information you obtain from the Service.
• Not reproduce, duplicate, copy, sell, resell, or exploit any portion of the Service, use of the Service, or access to the Service without express written permission from us.

5. Intellectual Property Rights

All content on this Website, including but not limited to text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of LoanSSG Pte. Ltd. or its content suppliers and is protected by Singapore and international copyright laws. The compilation of all content on this site is the exclusive property of LoanSSG Pte. Ltd. You are granted a limited, non-exclusive, non-transferable license to access and use the Website and its content for your personal, non-commercial use.

6. Limitation of Liability

To the fullest extent permitted by applicable Singapore law, LoanSSG Pte. Ltd., its directors, officers, employees, agents, and affiliates shall not be liable for any damages of any kind arising from the use of this Website or from any information, content, or services included on or otherwise made available to you through this Website. This includes, but is not limited to, direct, indirect, incidental, punitive, consequential, or exemplary damages, such as damages for loss of profits, goodwill, use, data, or other intangible losses.

Specifically, we shall not be liable for:

• Any decision made or action taken by you in reliance on any information provided on the Website.
• Any errors, inaccuracies, or omissions in the Website's content.
• Any loss or damage resulting from your use of, or inability to use, the Service.
• Any relationship, agreement, or transaction entered into between you and any third-party Provider found through our Service. Your application for and use of any Provider’s product is subject to that Provider's own terms and conditions, and we are not a party to that agreement.
• Any viruses or other malicious software that may infect your computer equipment or other property on account of your access to, use of, or browsing in the Website or your downloading of any materials from the Website.

7. Third-Party Links

The Website contains links to third-party websites, primarily those of the Providers. These links are provided for your convenience to allow you to obtain more information or to apply for a product. We have no control over the content, security, or privacy practices of these external sites. The inclusion of any link does not imply our endorsement of the site. We are not responsible for any loss or damage that may arise from your use of them.

8. Regulatory Information and MAS

LoanSSG.com operates as a technology platform and an information provider. We are not a financial institution and are not regulated by the Monetary Authority of Singapore (MAS) as a financial advisor under the Financial Advisers Act (Cap. 110) or as a bank under the Banking Act (Cap. 19). The Service we provide does not constitute "financial advisory service" as defined in the Financial Advisers Act.

The banks and financial institutions whose products are featured on our Website are, where required, licensed and regulated by the MAS. Our Service aims to provide transparency and help you compare products from these regulated entities.

9. Indemnification

You agree to indemnify, defend, and hold harmless LoanSSG Pte. Ltd., its affiliates, and their respective directors, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable legal fees) that such parties may incur as a result of or arising from your violation of these Terms or your use of the Website.

10. Privacy Policy

Your privacy is important to us. Our collection and use of personal information in connection with your use of the Service is described in our Privacy Policy. By using our Website, you consent to the collection and use of information as outlined in the Privacy Policy.

11. Modification of Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect by posting a notice on our Website. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

12. Governing Law and Jurisdiction

These Terms shall be governed and construed in accordance with the laws of the Republic of Singapore, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts of the Republic of Singapore to resolve any legal matter arising from these Terms or your use of the Service.

13. Contact Information

If you have any questions about these Terms and Conditions, please contact us at: info@loanssg.com.