By accessing and using singaporebusinessloans.com ("the Website"), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Website.
1. Nature of Our Service
Singapore Business Loans is an independent comparison and information website. We provide:
- Comparison of SME financing products from various lenders
- Educational content about business financing
- Calculators to estimate loan costs
- Information about government financing schemes
We are not:
- A lender or financial institution
- A licensed financial advisor
- A loan broker or intermediary
- Affiliated with any lender listed on this site
2. No Financial Advice
The information on this Website is for general informational purposes only and does not constitute financial, legal, or professional advice. You should:
- Conduct your own research before making financial decisions
- Consult with qualified professionals for advice specific to your situation
- Verify all information directly with lenders before applying
- Read and understand all terms and conditions of any financial product
3. Accuracy of Information
We make reasonable efforts to ensure information is accurate and up-to-date. However:
- Rates, fees, and terms are indicative and subject to change without notice
- Actual rates depend on individual credit assessment by lenders
- Product availability and eligibility criteria may vary
- We cannot guarantee the accuracy, completeness, or timeliness of all information
We are not liable for any errors, omissions, or outdated information on the Website.
4. Third-Party Links
The Website contains links to third-party websites, including lender websites. We:
- Do not control or endorse these external sites
- Are not responsible for their content, privacy practices, or terms
- Encourage you to review their terms before using their services
5. Calculators and Tools
Our calculators provide estimates based on the inputs you provide. These are:
- For illustration purposes only
- Not guaranteed to reflect actual loan terms
- Not offers or commitments from any lender
6. Intellectual Property
All content on this Website, including text, graphics, logos, and software, is our property or licensed to us. You may not:
- Copy, modify, or distribute our content without permission
- Use our branding or trademarks without authorisation
- Scrape or automatically collect data from the Website
7. User Conduct
When using the Website, you agree not to:
- Provide false information in contact forms
- Attempt to access restricted areas of the Website
- Interfere with the Website's operation or security
- Use the Website for any unlawful purpose
8. Limitation of Liability
To the fullest extent permitted by law, we are not liable for:
- Any direct, indirect, incidental, or consequential damages arising from your use of the Website
- Any loss or damage resulting from reliance on information provided
- Any issues arising from your dealings with third-party lenders
- Any interruption or unavailability of the Website
9. Indemnification
You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your use of the Website or violation of these Terms.
10. Governing Law
These Terms are governed by the laws of Singapore. Any disputes shall be subject to the exclusive jurisdiction of the courts of Singapore.
11. Changes to Terms
We may modify these Terms at any time. Continued use of the Website after changes constitutes acceptance of the new Terms.
12. Contact
For questions about these Terms, please contact us.