The Loan Connection (UEN 202405165K), shall be referred to as “the Company” herein.

Individuals and Corporations, whether or not affiliated with the Company, who utilize our Website and the Services offered therein, shall be referred to as collectively “You, “Your” and “Yours”.

These Terms of Use govern Your utilization of the Website and the Services provided therein. By accessing or utilizing the Website and Service through direct or indirect means, You affirm that you have carefully read, understood, and agreed to abide by the Terms of Use. If You disagree or are unable to comply with the Terms of Use, we kindly request that you refrain from proceeding from using our Website and Service.

1. Definitions:

The Loan Connection (UEN 202405165K), shall be referred to as “the Company” herein.

Individuals and Corporations, whether or not affiliated with the Company, who utilize our Website and the Services offered therein, shall be referred to as collectively “You, “Your” and “Yours”.

These Terms of Use govern Your utilization of the Website and the Services provided therein. By accessing or utilizing the Website and Service through direct or indirect means, You affirm that you have carefully read, understood, and agreed to abide by the Terms of Use. If You disagree or are unable to comply with the Terms of Use, we kindly request that you refrain from proceeding from using our Website and Service.

Description of Services

The Company is paid a fee by the banks directly, hence the Company does not charge any fees for Services rendered, unless explicitly stated. 

Regardless of which bank You decide to take a loan from, You agree to be responsible for any fees or costs associated with the loan (For Example: Legal Fees payable to the Law Firm, or Valuation Fees payable to the Bank/HDB).

The Services the Company provides comprises but are not limited to the following:

• Providing unbiased and timely advice in helping you to make an informed decision 
• Present and share the lowest possible rates and features currently available for your case in particular considering all factors
• Assisting you to liaise with bankers to smoothen the application process

To the best of our ability, we will gather the most up-to-date home loan rates and packages from our partner banks across various financial institutions. The information provided on our Website should be used for estimation purposes only, as there are times when restrictions are imposed on the publication of certain rates from the banks. For a more accurate proposal, do get in touch with us directly. The best packages available for your case will be presented in a format designed for easy comparison.

Furthermore, we will offer guidance on the most suitable course of action regarding Your case. This will involve explaining the potential benefits and associated costs involved, considering factors beyond just the interest savings. We will assess the overall terms and conditions of the home loan package, including aspects such as lock-in period, repayment penalty, cancellation fee, subsidy clawback, intention to sell / decouple / partial pay / cashing out.

2. User Eligibility

By using the Website, you affirm that you are at least 18 years of age and possess the legal capacity to enter into these Terms of Use. If you are accessing the Website on behalf of a company or other legal entity, you represent that you have the authority to bind such entity to these Terms of Use.

You additionally affirm that all information provided by you will be truthful, comprehensive, and precise.

You also agree to adhere to all relevant laws, whether in your home country or in any other country, state, or city where you use the Service.

3. Use of Website

• You agree to use the Website solely for lawful purposes and in accordance with these Terms of Use.
• You will not use the Website and/or Service to cause nuisance, annoyance, inconvenience and/or make fake submissions
• You may not use the Website in any manner that could disable, overburden, damage, or impair the Website or interfere with any other party’s use of the Website.
• You may not attempt to gain unauthorized access to any part of the Website or any systems or networks connected to the Website.
• You agree not to use any automated means, including without limitation, bots, crawlers, or scrapers, to access or collect data from the Website.
• Any individual or company found in breach of these terms will be subject to legal prosecution to the maximum extent permitted by law.

4. Intellectual Property

The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by [Company Name] and are protected by Singapore and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

5. Disclaimer of Warranties

The information provided on the Website is for general informational purposes only and does not constitute financial, legal, or professional advice. 

Despite our best efforts to maintain completeness, accuracy, and timeliness of the content on the Website, we do not provide any representations, warranties, or guarantees, whether explicit or implicit, regarding the completeness, accuracy, or timeliness of the content.

Similarly, although we take reasonable precautions to ensure the security and cleanliness of the Website by safeguarding it against viruses and other malicious software, we cannot guarantee its absolute security or freedom from viruses or other malware. We assume no liability in this matter. You are responsible for protecting your hardware, software, data, and other materials from viruses, malware, and other internet security threats.

The Company does not guarantee the accuracy, completeness, or reliability of any information on the Website. You use the Website and its content at your own risk.

6. Limitation of Liability

In no event shall the Company, its officers, directors, employees, or agents be liable to you for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the Website or any content on the Website.

7. Indemnification

You irrevocably agree to indemnify and hold harmless the Company, its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your use of the Website or any violation of these Terms of Use.

8. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of Singapore, without regard to its conflict of law principles. The Company reserves the right to initiate legal action against You in the event of any violation of the Terms of Use.

9. Changes to Terms of Use

The Company reserves the right to at any point in time, modify, add, remove the terms and conditions stated here at The Company’s sole discretion. Any changes shall be made effective immediately upon being updated on our Website. 

It is your responsibility to regularly review the Terms of Use. Your continued use of the Service following any changes, whether or not reviewed by you, implies your consent and acceptance of such changes.