Terms & Conditions

The following section lists our Terms and Conditions. As this affects your legal rights, please ensure that you familiarise yourself with this page, as well as the Privacy Policy.

1. Introduction

Please peruse these agreements carefully as they encompass important information about SG Loan Hub Service provided to you, the Terms, future changes to these Agreements, Privacy Information, waiver, limitation of liability, Governing Law etc.

In order to use SG Loan Hub Service, you need to be 1) 18 or older, 2) have the power and capability to enter into a legally binding contract with us and not barred from doing so under any applicable laws and 3) be a resident or legally employed in Singapore.

By clicking “Apply Now” or otherwise applying/engaging SG Loan Hub Pte Ltd. (“SG Loan Hub”, the “Company”, “we”, “us”, “our”) financial service (“SG Loan Hub Service” or “Service” or “Loan”), including via software application or website, you are entering into a binding contract with SG Loan Hub Pte Ltd *insert registration number*. SG Loan Hub Service shall also include our Customer Support and Contact Centre.

Your agreement with us includes these Terms and Conditions (“Terms”) and our Personal Data Protection Policy (“Privacy Policy”). (The Terms, Privacy Policy and any additional terms that you agree to, as discussed in the Entire Agreement section, are collectively referred to as the “Agreements”). If you wish to review the terms of the Agreements, the latest and effective version of the Agreement can be found on SG Loan Hub‘s Website – www.sgloanhub.com. You acknowledge that you have read, understood and accept these agreements and to be bound by them. If you don’t agree with (or cannot comply with), the agreements, then you are not eligible to use SG Loan Hub Service.

By continuing to use the SG Loan Hub service, you signify that you have read, understood and agree to collect, use, retain, dispose, handle, transfer, process and/or disclose your personal data by SG Loan Hub, in accordance with these agreements: You further represent, warrant and promise that any information submitted to SG Loan Hub (including during the application process) is true, accurate, complete to the best of your knowledge and belief. In addition, you understand and is well aware that you may be held liable in the event and of the information you have submitted is found to be false untrue or misleading or misrepresenting.

Any information that you have provided us can be corrected during the application process or otherwise, by contacting us at sgloanhub168@gmail.com.

2. Changes To The Agreements

We reserve the right to modify or amend these Agreements at any time. The effective date will be displayed at the beginning of this policy. Occasionally, we may, at our discretion, make changes to the Agreements. When material changes are made to the Agreements, we will provide you with a notice by 1) notifying you via our software application 2) sending you an email or 3) sending you a text message, at our discretion. We endeavour to notify you at least 14 days in advance or otherwise, as soon as practicable. Your continued use after being served such notice shall constitute your acceptance of the changes. Therefore, please ensure you read any such notice carefully. If you do not wish to continue using our Service, you may terminate these Agreements by contacting us through the Contact us section or *insert contact number* and our Customer Support will reach out to you and advise you accordingly. Alternatively, you may also reach out to us at  sgloanhub168@gmail.com.

3. Intellectual Property & Copyright

All SG Loan Hub trademarks, services marks, trade names, logos, domain names, and any other features of SG Loan Hub (“SG Loan Hub Brand Features”) may not be used in connection with any product or service without the prior written consent of SG Loan Hub. The aforesaid however, may be used by partners and third party in connection with providing the Service so long as they use it in a manner consistent with SG Loan Hub’s requirements.

You shall also not reverse-engineering or modifying the system designs of SG Loan Hub Service.

If you believe that SG Loan Hub has infringed your copyright or constitutes a violation of your intellectual property rights, please submit a notice of the alleged infringement or violation to sgloanhub168@gmail.com.

Ideally, your notice should include as much detail as possible, including, where applicable:

(1) A physical or electronic signature of the owner (or person authorised to act on behalf of the owner) of the copyright/intellectual property that is allegedly infringed or violated;

(2) Specific identification of the copyrighted work or intellectual property claimed to have been infringed or violated;

(3) Specific description of the infringement (please be as detailed as possible);

(4) Contact information for the complaining party, including the exact name, address, telephone number and email address;

(5) A declaration that the complaining party has done it in good faith belief that use of such the copyrighted work of intellectual property that is alleged infringed or violated is not authorised by the proprietary owner, its agent or the law; and

(6) A declaration that the information detailed in the notification is accurate and that the complaining party is the proprietary owner, or an agent for the proprietary owner or authorised to act on behalf of the proprietary owner.

4. Third Party Applications

SG Finance Expert Service is integrated with third party application, websites and services (“Third Party Application”) to enable us to provide you with our Service. The Third Party Application has their own terms and conditions of use and privacy policy of which you will be notified prior to signing your Loan contract with us. Your use of these Third Party Application will be governed by and subject to such terms and conditions and privacy policies. You understand and agree that SG Loan Hub does not endorse and is not responsible or liable for the behaviour, features, or content of any Third Party Application or any transaction you may enter into with the provider of any such Third Party Applications.

5. Our Rights

SG Loan Hub reserves the right to remove or disable access to any user/applicant for any or no reason, including but not limited to any violation, in SG Loan Hub’s sole discretion, of these Agreements or any applicable law. SG Loan Hub may take these actions without prior notification to you or any third party. Removal or disabling access shall be at our sole discretion.

In consideration of the Service provided to you under the Agreement, you grant us the rights to:

(1) Allow SG Loan Hub Service to use the processor, bandwidth, and storage hardware on your Device in order to facilitate the operation of the Service;

(2) Provide advertising and other information to you, contact you via telephone and email for the loan application purpose;

(3) Collect, use, retain, dispose, handle, transfer, process and/or disclose your personal data, in accordance with our privacy policy; and

(4) Allow our affiliates to do the same for the foregoing.

However, should you opt to not receive any advertising or other information from SG Loan Hub or its affiliates, kindly convey your intentions to  sgloanhub168@gmail.com.

You hereby acknowledge, agree and consent to the provisions of Clause 5 above and will not hold SG Loan Hub liable for effecting the foregoing.

6. User Guidelines

To ensure you experience the best user experience with SG Loan Hub Service and to ensure compliance with the applicable laws of Singapore, SG Loan Hub has set the following guidelines which you must strictly observe:

(1) you MUST NOT provide or share your SG Loan Hub login and account details or Myinfo/Singpass/device/email account registered with SG Loan Hub with a third party or any person other than yourself in order to apply or engage SG Loan Hub Service;

(2) you shall not use any automated means (including bots, spiders etc.) to collect information from or to gain unauthorised access (including by means of malware, virus, hacking etc.) to SG Loan Hub system;

(3) you shall not impersonate another user, person, or entity, or is otherwise fraudulent, false, deceptive, or misleading;

(4) you shall be solely responsible to ensure your SG Loan Hub account login details/Myinfo/Singpass/device/email is kept confidential and secure. If any of the aforesaid is lost/stolen or if you believe there has been unauthorised access to your account by third parties, please notify us immediately at  sgloanhub168@gmail.com.

(5) you shall not interfere with or in any way disrupts the SG Loan Hub Service, tampers with, breaches, or attempts to probe, scan, or test for vulnerabilities in the Service or SG Loan Hub systems, network, usage rules, or any of SG Loan Hub’s security components, authentication measures or any other protection measures applicable to the Service or any part thereof; or

(6) you shall not contravene the Agreements, as determined by SG Loan Hub.

You acknowledge and agree that contravening any of the above may result in the immediate termination or suspension of your user account.

7. Service Limitations & Modifications

SG Loan Hub will make reasonable efforts to keep SG Loan Hub Service operational. However, certain technical difficulties or maintenance may, from time to time, result in temporary interruptions. To the extent permissible under the applicable law, SG Loan Hub reserves the sole right at any time, to modify or discontinue, temporarily or permanently, functions and features of the SG Loan Hub Service, with or without notice, all without liability to you, except where prohibited by law, for any interruption, modification, or discontinuance of the SG Loan Hub Service or any function or feature thereof. You understand, agree and accept that SG Loan Hub has no obligation to maintain, support, upgrade, update other service or to notify you of the foregoing.

8. Customer Support

For customer support or any queries related to our SG Loan Hub Service, kindly submit a ticket to our Customer Support via our Contact Us section of our website or call us at *insert contact number*

We will attempt to respond to all customer support queries within 5 working days. However, in the event the nature or subject of the query is deemed by us to be complicated, we will inform you that the matter has been escalated and to provide you an interim report or an expected time for us to resolve/attend to your queries, where possible. However, we make no guarantees or warranties of any kind that your queries will be responded within the aforesaid timeframe.

9. Term & Termination

This Agreement will continue to apply until it has been terminated by you or SG Loan Hub. SG Loan Hub reserves the rights to terminate this Agreement for any or no reason. However, in the event you wish to terminate this Agreement, you may do so by contacting us by sending us an email at sgloanhub168@gmail.com and we will attend to your request accordingly.

Clauses 3, 6, 7, 9, 10, 11, 12, 13, 14, 15, 16 and 17 as well as any other sections of the Agreements that, either explicitly or by their nature, must remain in effect even after termination of the Agreements, shall survive the termination.

10. Warranty & Disclaimer

We endeavour to provide the best service we can, but you understand and agree that SG Loan Hub Service is provided “as available”, without express or implied warranty or condition of any kind. You use our service at your own risk and at your own accord. To the fullest extent permitted by applicable law, SG Loan Hub and all owners of the content makes no representations and disclaim any warranties or conditions of satisfactory quality, merchantability, fitness for particular purpose, or non- infringement. In addition, SG Loan Hub makes no representation nor does it warrant, guarantee or assume responsibility for any third party applications or any other product or service advertised or offered by a third party on or through the SG Loan Hub Service or any hyperlinked website, or featured in any banner or other advertising. You understand and agree that SG Loan Hub is not responsible or liable for any transaction between you and third party providers of third party applications or products or services advertised through the SG Loan Hub Service. You should use your judgement and exercise caution where appropriate. No advice or information whether oral or in writing obtained by you from SG Loan Hub shall create any warranty on behalf of SG Loan Hub in this regard.

11. Limitation

To the fullest extent permitted by law, in no event will SG Loan Hub, its officers, shareholders, employees, agents or directors, subsidiaries, affiliates, successors, assigns, suppliers or licensors will be liable for 1) any indirect, special, incidental, punitive, exemplary, or consequential damages; or 2) any loss of use, data, business or profits (whether direct or indirect), in all cases arising out of the use or inability to use the SG Loan Hub Service and/or third party application.

12. Entire Agreement

These Agreements constitute all the terms and conditions agreed upon between you and SG Loan Hub and supersede any prior agreements in relation to the subject matter of these Agreements, whether written or oral.

Please note, however, that other aspect of your use of the SG Loan Hub Service may be governed by additional agreements. For instance, when you are entering into a loan agreement with SG Loan Hub. At such, you will be presented with any related additional agreement, and you will have the opportunity to agree to the additional terms. To the extent that there is any irreconcilable conflict between any additional terms and these Terms, the additional terms shall prevail.

13. Severability & Waiver

Unless as otherwise stated in these Agreements, should any provision of the Agreements be held invalid or unenforceable for any reason or to any extent, such invalidity and enforceability shall not in any manner affect or render invalid or unenforceable the remaining provisions of the Agreements, and the application of that provision shall be enforced to the fullest extent permitted by law.

Any failure by SG Loan Hub to enforce the Agreement or any provision thereof shall not waive SG Loan Hub’s rights to do so.

14. Assignment

SG Loan Hub may assign the Agreements or any part of them and SG Loan Hub delegate any of its obligations under these Agreements. You may not assign the Agreements or any part of them, nor transfer your rights and obligations under these Agreements to any third party.

15. Indemnification

To the fullest extent permitted by applicable law, you agree to indemnify and hold SG Loan Hub harmless and free from all damages, losses and expenses of any kind (including reasonable legal fees and costs) arising out of:

(1) your breach of this agreement; and

(2) your violation of any law.

16. Counterparts

These Agreements may be executed in separate counterparts, each such counterpart being deemed to be an original instrument, and all such counterparts shall together constitute the same agreement.

17. Governing Law & Jurisdiction

These Agreements and all matters arising herein shall be governed by and construed in accordance with the law of the Republic of Singapore and the Parties agree to submit to the exclusive jurisdiction of the Singapore Courts.

18. Contact Us

If you have any questions concerning SG Loan Hub Service or the Agreements, please contact us at  sgloanhub168@gmail.com.

Thank you for reading our Terms and Conditions. We hope you will enjoy our Service.