Credible.sg offers a service that allows you to submit an application for a personal loan and connects you to multiple licensed lenders (“Service”). The Service is made available to you for free.
The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements: “Client”, “You” and “Your” refers to you, the person accessing this website and accepting the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves, or either the Client or ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services/products, in accordance with and subject to, prevailing law of Singapore. Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring to same.
These terms of service (the “Terms of Service”) applies to your access and use of our Services and its associated websites, APIs, applications button, widgets, SMS and e-mail notifications as well as any information, text, graphics, photos or other materials uploaded, downloaded or appearing on the Services (collectively referred to as the “Content”). Your access to and use of the Content signifies your acceptance of these Terms of Service and agreement to be bound by them. We may amend and vary these Terms of Service from time to time by amending this page. The amendments will be effective from the date they are posted on this page. You should check this page whenever you access or use our Content. Your continued access and use of our Content will constitute your acceptance of the amendments.
Cookies
We employ the use of cookies. By using credible.sg you, consent to the use of cookies in accordance with our privacy policy. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate / advertising partners may also use cookies.
Third Party Links and Resources
There may be links in our Content which may take you to third party websites or services. You acknowledge and agree that we are not responsible for the accuracy or availability of any information provided such third party websites and services. The links to third party websites and services do not constitute an endorsement by us of such websites or services, including the Information, products, advertising or other materials contained therein. We are not and shall not be a party to any transaction between you and the third party website or service.
The Service and Content
The material herein prepared and the Services are for informational purposes only without regard to any particular Client’s investment or financial objectives, financial situation or means and should not be relied upon solely or in isolation. You should always check the suitability, adequacy and appropriateness of the product or service that is of interest to you and it is your sole decision whether to obtain or refrain from obtaining any product or service, offered through this Platform or otherwise. If you are in doubt as to the suitability, adequacy or appropriateness of any product or service referred to on this Platform, we suggest that you seek independent professional advice before you obtain any product or service via this Platform.
Nothing on this Platform is or shall be considered or construed as, advice, an offer, solicitation or recommendation by us or any third party to sell, buy, issue, allot or transfer, offer, advice on any product or service (including financial assistance or business loans) or representation that any product or service is suitable for you.
Any views, opinions, advice or assistance which is given or provided to you by a third party after you have used this Platform do not represent our views, opinions, advice or assistance and are not checked, monitored, reviewed, verified or endorsed by us. We do not endorse, recommend or take responsibility for any third party who provides you with any views, opinions advice or assistance. You act or refrain from acting on any third party’s views, opinions, advice or assistance at your sole risk and sole discretion and you are solely responsible for any decision to act or refrain from acting on such views, opinions, advice or assistance. We are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice or assistance.
Your Account
In order to access the Services, you must register and maintain an account with us. You are responsible for all activities conducted on your account. You: (a) must keep your account information (including your password and other login details) confidential and secure; and (b) must not provide any third party with access to your account. If you know or suspect any unauthorised access to or use of your account, you must promptly notify us.
Accuracy and Availability of Our Content
All information in our Content is for your general reference only. We do not guarantee that our Content is accurate, up-to-date, secure and free from, malware or software viruses. We do not guarantee that the provision of the Content will be uninterrupted and that it will always be available. To the fullest extent permitted by law, we shall not be liable for any loss and/or damage incurred if the Content is unavailable at any time or for any period. We reserve the right to suspend or terminate your account, or cease providing you with all or part of the Content for any reason.
No Warranty
We provide the Content on an “as is” and “as available” basis without warranties of any kind. To the fullest extent permitted by applicable law, we and/or our affiliates make no representation or warranty (express, implied or otherwise), including the implied warranty of merchantability, non-infringement or fitness for a particular purpose. We do not represent and warrant that: (a) the Content is accurate, adequate, current or reliable, or may be used for any purpose other than for general reference; (b) the Content is free of defect, error, omission, virus or anything which may change, erase, add to or damage your software, data or equipment; (c) any message sent via the internet in relation to, or in connection with, the Content will be free from interception, corruption, error, delay or loss; (d) access to the Content will be available or be uninterrupted; (e) the use of the Content will achieve any particular result; and (f) any defects in the Content will be corrected.
Indemnity and Liability
You agree to indemnify us for and keep us indemnified against all liabilities, obligations, actions, suits, claims, demands, losses and damages which we may incur or suffer, and all costs (including legal costs), charges and expenses of reasonable amount and reasonably incurred by us, arising from (a) your use of a Service and Platform, (b) any breach by you of these T&Cs, (c) the exercise of our rights under these T&Cs by us, (d) any claim by any third party against us arising from providing a Service to you, (e) your violation of any applicable law (domestic or foreign), and (f) your access and use of the products or services provided by third parties on our Platform.
License
Unless otherwise stated, Credible.sg and/or it’s licensors own the intellectual property rights for all material on this website. All intellectual property rights are reserved. You may view and/or print pages from https://www.credible.sg for your own personal use subject to restrictions set in these terms and conditions.
You must not republish, sell, rent or sub-license the material; Reproduce, duplicate or copy the material. You must not redistribute content from credible.sg (unless content is specifically made for redistribution).
Reservation of Rights
We reserve the right at any time and in its sole discretion to request that you remove all links or any particular link to our Web site. You agree to immediately remove all links to our Web site upon such request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuing to link to our Web site, you agree to be bound to and abide by these linking terms and conditions.
Governing Law
These Terms shall be governed and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.
Changes
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is a material we will try to provide at least 30 days notice prior to any new terms taking effect. 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 revise terms. If you do not agree to the new terms, please stop using the Service.