By accessing or using the Loan City website or platform (“Service”), you agree to comply with and be bound by these Terms & Conditions, our Privacy Policy, and any additional terms disclosed to you.
1. Our Service
Loan City is a digital loan comparison platform that simplifies the loan process by connecting borrowers in Singapore with an extensive network of loan providers.
We are not a lender and do not make credit decisions or provide loans directly. Instead, we act as an intermediary by transmitting your loan application details to suitable third-party financial institutions based on your profile and eligibility. All loan offers, terms, and approvals are solely at the discretion of the respective loan providers following their credit assessment.
2. User Responsibilities
By accessing and using the Loan City platform, you agree to the following:
- Provide accurate, current, and complete information when submitting a loan application.
- Use the platform only for lawful purposes and not engage in any activity that is fraudulent, misleading, or otherwise violates applicable laws.
- Maintain the confidentiality and security of your account credentials and promptly notify Loan City if you suspect any unauthorized access or activity.Improve our services and user experience
3. Intellectual Property
All content and materials on the Loan City platform, including text, graphics, logos, software, design, trademarks, trade names, and logos, are the intellectual property of Loan City Pte. Ltd. and are protected under Singapore’s copyright, trademark, and other applicable intellectual property laws. Unauthorised use is strictly prohibited.
4. Termination of Access
Loan City reserves the right, at its sole discretion and without prior notice, to suspend, restrict, or terminate your access to all or part of the platform and its services under the following circumstances:
- Breach of Terms: You violate, or are reasonably suspected to have violated, any provision of these Terms & Conditions, our Privacy Policy, or any other applicable policies.
- Misrepresentation: You provide false, inaccurate, incomplete, or misleading information during the application process or at any point while using our platform.
- Security or Legal Risk: Your actions or use of the platform are deemed to pose a threat to the security, integrity, or lawful operation of the platform, or are suspected to involve fraud, abuse, or any illegal activity.
Upon termination, your access to the platform will be revoked immediately, and Loan City shall have no obligation to retain or provide access to your submitted data, except as required by applicable laws or regulations. We also reserve the right to take appropriate legal action, including referral to law enforcement or regulatory authorities, if warranted.
5. Limitation of Liability
Loan City shall not be held liable for any loss or damage that may arise from your use of the platform, including but not limited to the submission of loan applications or the use of any features provided through our services.
6. Updates to This Policy
We may update this Terms & Conditions from time to time to ensure consistency with legal and regulatory requirements. This terms & conditions shall be governed by and construed in accordance with the laws of Singapore.