1. Terms of Use

1.1 These terms govern your access to and usage of our services, encompassing our website(s), applications, application programming interfaces (APIs), notifications, and any content or information displayed therein (collectively referred to as “our Platform”).

1.2 By utilizing our Platform, you agree to these terms, regardless of whether you are a paying user or a non-paying visitor. If you are accessing our Platform on behalf of an entity, you are confirming your agreement to these terms on behalf of that entity.

1.3 We recommend reviewing our Privacy Policy, which outlines how we collect and use your personal information.

2. About Us and Contact Information

2.1 We are Mr Loan., a registered company in Singapore. Our Unique Identity Number is UEN 202346901M , and our registered office is located in Singapore.

2.2 For any inquiries or issues related to our Platform, our products or services, or these terms, please feel free to contact our customer service team at enquiry@mrloan.com.sg

2.3 In the course of providing the Platform, we may need to send you specific communications, such as service updates or administrative messages. If you wish to opt out of receiving such communications, which may impact your Platform usage, please get in touch with our customer service team.

2.4 If we need to reach out to you, we will do so via telephone or email, using the contact information you provided.

2.5 In these terms, references to “writing” or “written” also encompass communication via email.

3. Changes to Terms

3.1 We reserve the right to modify these terms at our discretion and without prior notice. Any alterations will be posted on our Platform. By continuing to use our Platform and services after these changes take effect, you agree to abide by the updated terms and policies.

4. Availability of Our Services

4.1 We continually enhance and refine our Platform and the products or services we offer. This may entail occasional alterations, discontinuations, additions, or removals of functionalities or features. We may also suspend or terminate particular products, services, functionalities, or features. If we discontinue specific offerings, we will provide advance notice whenever possible.

4.2 Occasionally, we may introduce products, services, functionalities, or features that are still in testing or evaluation phases. Such services will be clearly labeled, such as “beta,” “preview,” “early access,” or “trial,” to indicate their experimental nature. Please note that these beta services may be less reliable than our established offerings.

4.3 We reserve the right to restrict, suspend, or terminate your account, as well as limit your use of our Platform and services, if we suspect you are in violation of these terms or are misusing our Platform or services.

4.4 While we make every effort to ensure the availability of our Platform, we cannot guarantee uninterrupted or continuous access. Our Platform may experience interruptions for maintenance, repairs, upgrades, or due to network or equipment issues.

4.5 It is your responsibility to configure your information technology, computer programs, and systems to access our Platform. We do not guarantee that our Platform will be free from bugs or viruses.

5. Platform Usage

5.1 You must comply with our policies, all applicable laws, and regulatory requirements, including privacy and intellectual property laws when accessing or using the Platform. Additionally, you agree to act in good faith when engaging in any activity related to submitting a loan application.

5.2 In consideration of providing information and data for purposes related to your Platform usage and the services we offer, we grant you a personal, non-transferable, non-exclusive, revocable license to access and utilize our Platform. This license enables you to use our Platform and enjoy its benefits as provided by us and as permitted by these terms.

5.3 This Platform usage license will be terminated if you fail to comply with these terms or any additional terms or conditions we may impose.

5.4 You are prohibited from copying, modifying, distributing, selling, leasing, lending, or trading access to the Platform or any data or information within it.

6. Your Rights

6.1 You retain ownership of any information or content you submit, post, or display on our Platform (“Your Content”). By submitting, posting, or displaying such content, you grant us a worldwide, non-exclusive, royalty-free license (with the right to sublicense) to use, process, copy, reproduce, adapt, modify, publish, transmit, display, and distribute Your Content across all media and distribution channels (existing or developed in the future), subject to applicable provisions in our Privacy Policy.

6.2 You are responsible for Your Content and its consequences, including its use by other users or third parties. We bear no responsibility or liability for the use of Your Content or any content or information submitted or posted by other users or visitors.

6.3 You warrant that Your Content will not infringe upon the rights of third parties, and you possess all necessary rights, authority, and permissions to fulfill your obligations regarding Your Content under these terms.

6.4 If you believe your intellectual property rights have been violated, please contact us.

7. Our Rights

7.1 All intellectual property rights associated with the Platform or the products and services we provide are either owned by us or have been lawfully licensed to us. We reserve all rights under applicable laws. You are prohibited from uploading, posting, publishing, reproducing, transmitting, or distributing any content or component of our Platform or creating derivative works based on such content or component.

7.2 We may, at our discretion (but without obligation), review content or information submitted or posted by users on our Platform. We retain the right to remove any content we consider offensive, harmful, deceptive, discriminatory, defamatory, misleading, or that we believe may infringe upon the rights of third parties. We do not endorse or support the views expressed by users on our Platform.

7.3 Our names, marks, and logos are our trademarks (whether registered or unregistered) and cannot be used without our prior written consent.

8. Integrations

8.1 We integrate with third-party software to offer a comprehensive range of functionalities to our users. We are not responsible for any issues or losses arising from the use of third-party software. Your access and use of such third-party software are governed by the terms of service or user agreements provided by the respective software providers.

9. Feedback

9.1 We value and appreciate feedback regarding our Platform. By providing us with feedback and information (including ideas, concepts, proposals, suggestions, or comments), you grant us the freedom to use, disclose, adopt, and modify that feedback and information in connection with our Platform or any products or services we offer, without any payment to you.

9.2 You hereby waive and agree to waive any claims for fees, royalties, charges, or other payments related to our use, disclosure, adoption, and modification of your feedback.

10. Limitation of Liabilities

10.1 In some jurisdictions, the disclaimers in this clause may not be applicable. In such cases, these disclaimers do not affect your rights.

10.2 To the maximum extent permitted by law, we (including our parent company(ies), subsidiaries, affiliates, directors, officers, employees, agents, representatives, partners, and licensors, collectively referred to as “Our Entities”) expressly limit our liabilities arising from or related to the provision of the Platform as follows:

(a) We provide the Platform and any products or services on an “as is” and “as available” basis, and your access to and use of our Platform are at your own risk.

(b) We make no assurances, representations, or warranties of any kind, whether explicit or implicit, regarding the Platform and any products or services we provide.

(c) We do not guarantee the accuracy, truthfulness, completeness, or currency of the information or content found on the Platform.

(d) We explicitly disclaim all warranties and representations, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

(e) We are not responsible for any delays, interruptions, or disruptions to our Platform, or for defects, viruses, bugs, or errors.

(f) We are not liable for the actions of other users on our Platform or for any content or information submitted or posted by users, whether online or offline.

10.3 To the maximum extent permitted by law, Our Entities are not responsible for:

(a) any indirect, incidental, special, exemplary, consequential, or punitive damages; or

(b) any loss of data, business, opportunities, reputation, profits, or revenues related to the use of our Platform or any products or services we offer.

10.4 We do not exclude or limit our liability where it would be illegal to do so. This includes our liability for fraud or fraudulent misrepresentation in operating the Platform or providing the products or services we offer.

10.5 If you use the Platform as a consumer, in some jurisdictions, you may have specific legal rights as a consumer. In such cases, these terms do not restrict your legal rights as a consumer that cannot be waived by contract.

10.6 Apart from the types of liabilities that we cannot limit by law, the aggregate liability of Our Entities to you is limited to the amount you have paid us (if any) for the use of our Platform or for any products or services we offered in the past twelve (12) months.

11. Your Representation

11.1 Our Platform is not intended for and may not be used by minors. By using our Platform, you confirm that you are of legal adult age and have the ability to enter into contractual agreements.

11.2 If you are using the Platform on behalf of an entity, you represent that you have the necessary rights and authority to agree to these terms (and our Privacy Policy, Acceptable Use Policy, and other referenced documents) on behalf of that entity.

12. Indemnity

12.1 You agree to indemnify and hold Our Entities harmless from all liabilities, damages, claims, costs (including legal fees and costs), and expenses related to or arising from (i) your breach of these terms, (ii) your use of our Platform, and/or (iii) any misrepresentation made by you.

12.2 You also agree to fully cooperate with us in the defense or settlement of any claim related to or arising from our Platform or these terms.

13. Termination

13.1 These terms will remain in effect until terminated by you or us in the following manner:

13.2 You may cease using the Platform at any time by deactivating your account.

13.3 We reserve the right to suspend or terminate your access to our Platform if we reasonably believe:

(a) You are in serious or repeated breach of these terms (including a prolonged failure to settle any payment if applicable);

(b) You are using the Platform in a manner that poses a real risk of harm or loss to us, other users, or the public;

(c) We are legally required to do so by government or regulatory authorities or as mandated by applicable laws, regulations, or legal processes; or

(d) Continuing to provide the Platform to you is no longer feasible or commercially viable. In any of these scenarios, we will notify you via the email address linked to your account or the next time you attempt to access your account, unless legal restrictions prevent us from doing so.

13.4 Upon termination of your access, these terms will also terminate except for Clauses 11 to 18.

13.5 If deemed necessary or appropriate, we may report any breaches of these terms to law enforcement authorities and cooperate with them by disclosing your identity and providing any information about you stored in our systems.

14. Entire Agreement

14.1 These terms constitute the entire agreement between any user and us regarding the use of the Platform or any transactions conducted on the Platform. These terms supersede and replace all prior agreements, promises, assurances, warranties, representations, and understandings, whether written or oral, regarding the use of the Platform or any transactions on the Platform.

14.2 You acknowledge that you have no remedies for any statement, representation, assurance, or warranty (whether made innocently or negligently) that is not explicitly set out in these terms.

15. Other Important Terms

15.1 We may transfer our rights and obligations under these terms to another organization. We will notify you if we intend to do so. If you do not wish to continue the contract with the transferee, you may contact us to terminate the contract within one (1) calendar month of our notification, and we will refund any prepaid payments for products not provided.

15.2 You may only transfer your rights or obligations under these terms to another person if we provide written consent.

15.3 If any part of this contract is found to be illegal by a court, the rest of the contract will remain in force. Each paragraph of these terms operates independently. If any court or relevant authority determines that any part of these terms is unlawful, the remaining paragraphs will remain valid and enforceable.

15.4 Even if we delay enforcing this contract, we can still enforce it later. If we do not immediately require you to fulfill your obligations under these terms or if we delay taking action against you for breaching this contract, it will not constitute a waiver of those obligations, and we can still enforce them at a later date.

16. Contact

16.1 If you have any questions or concerns about these terms, please reach out to us.

17. Governing Law and Dispute Resolution

17.1 These terms are governed by and interpreted in accordance with the laws of the Republic of Singapore.

17.2 Alternative dispute resolution is a process where an independent entity examines the facts of a dispute and seeks to resolve it without involving the courts. If you are dissatisfied with our handling of any complaint, you may wish to contact the alternative dispute resolution provider we recommend. You can file a complaint with the Law Society through their website.