Last Updated 7 February 2022.
This web page represents a legal document that serves as our Terms of Use and it governs the legal terms of our website, MoneyIQ.com.sg, sub-domains, and any associated web-based and mobile applications (collectively, “Website”), as owned and operated by Notion Age Pte. Ltd.
Capitalised terms, unless otherwise defined, have the meaning specified within the Definitions section below. This Terms of Use, along with our Privacy Policy, any mobile license agreement, and other posted guidelines within our Website, collectively “Legal Terms”, constitute the entire and only agreement between you and MoneyIQ.sg, and supersede all other agreements, representations, warranties and understandings with respect to our Website and the subject matter contained herein.
We may amend our Legal Terms at any time without specific notice to you. The latest copies of our Legal Terms will be posted on our Website, and you should review all Legal Terms prior to using our Website. After any revisions to our Legal Terms are posted, you agree to be bound to any such changes to them. Therefore, it is important for you to periodically review our Legal Terms to make sure you still agree to them.
By using our Website, you agree to fully comply with and be bound by our Legal Terms. Please review them carefully. If you do not accept our Legal Terms, do not access and use our Website. If you have already accessed our Website and do not accept our Legal Terms, you should immediately discontinue the use of our Website.
Definitions
The terms “us” or “we” or “our” refer to MoneyIQ.sg., the website.
A “Visitor” is someone who merely browses our Website but has not registered as Member.
A “Member” is an individual that has registered with us to use our Service.
Our “Service” represents the collective functionality and features as offered through our Website to our Members. MoneyIQ is an independent and free fintech platform which uses loan-matching technology that allows user to find personal loans and business loans. Also, we provide factual information, valuable tips, and list of various products and services in Singapore. We are not a loan provider, a licensed moneylender nor a financial company. By using our platform to find for loan offers, you will be dealing directly with the loan provider and not with us.
Our loan-matching platform is free, we earn money by charging a concerned third-party provider with a fee and/or commission for the leads.
A “User” is a collective identifier that refers to either a Visitor or a Member.
All text, information, graphics, audio, video, and data offered through our Website are collectively known as our “Content”.
Legal Compliance
You agree to comply with all applicable domestic and international laws, statutes, ordinances, and regulations regarding your use of our Website. Notion Age Pte. Ltd. reserves the right to investigate complaints or reported violations of our Legal Terms and to take any action we deem appropriate, including but not limited to canceling your Member account, reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to your profile, email addresses, usage history, posted materials, IP addresses and traffic information, as allowed under our Privacy Policy.
Intellectual Property
Our Website may contain our service marks or trademarks as well as those of our affiliates or other companies, in the form of words, graphics, and logos. Your use of our Website does not constitute any right or license for you to use such service marks/trademarks, without the prior written permission of the corresponding service mark/trademark owner. Our Website is also protected under international copyright laws. The copying, redistribution, use or publication by you of any portion of our Website is strictly prohibited. Your use of our Website does not grant you ownership rights of any kind in our Website.
No Unlawful or Prohibited Use of Our Website
You acknowledge and agree that, as a condition of your access and use of our Website, you will not use our Website or the Materials for any purpose that is unlawful or prohibited by these Conditions. You may not use our Website in any manner that could damage, disable, overburden or impair any our server, or the networks connected to any our server, or interfere with any other party’s access and use of our Website.
You may not attempt to gain unauthorised access to our Website, or any services provided via our Website, other accounts, computer systems or networks connected to any our server or to any of the services provided via our Website, through hacking, password mining or any other means. You may not obtain, or attempt to obtain, any Materials or other information through any means not intentionally made available on or through our Website.
Limited Linking and Framing of Our Website
Unless otherwise stated, you may not link (including, but not limited to, hyperlink, in-line link or deep-link) (hereinafter collectively referred to as “Link”), mirror or frame our Website or any part thereof from any other web page, website, server or other electronic information retrieval system. Except with our prior written permission none of the Materials may be used as a Link or to mark any Link from our Website or any part thereof to any other web page, website, server or other electronic information retrieval system.
Subject to the restrictions below, you are allowed to hyperlink to our home page at https://moneyiq.sg or to deep-link to certain of the web pages of our Website:
- You may not deep-link to our Website or any part thereof which has been dynamically created by our system and customised for particular usage sessions.
- You may not hyperlink or deep-link to our Website or any part thereof from any web page, website, server or other electronic information retrieval system which contains materials or information which is inappropriate, profane, defamatory, infringing, obscene, indecent, vulgar, harassing, privacy invading, abusive, threatening, harmful, tortious, objectionable, unlawful or violates any applicable intellectual property laws or proprietary rights.
Notwithstanding anything to the contrary in these Conditions, we reserve all rights to terminate any Link from any web page, website, server or other electronic information retrieval system to our Website for any reason. Upon our instructions, you must disable, remove and terminate any Link from any web page, website, server or other electronic information retrieval system to, or any mirroring or framing of, our Website or any part thereof immediately.
We have no responsibility for the content available on any web page, website, server or other electronic information retrieval system which Links to, mirrors or frames our Website or any part thereof. In no circumstances will we be considered to be associated or affiliated in whatever manner with any designs, trademarks, trade names, service marks, product names, logos, insignias or other materials used or appearing on websites that Link to, mirror or frame our Website or any part thereof.
Links to Other Websites
Our Website may contain links to third party websites. These links are provided solely as a convenience to you. By linking to these websites, we do not create or have an affiliation with, or sponsor such third party websites. The inclusion of links within our Website does not constitute any endorsement, guarantee, warranty, or recommendation of such third party websites. We have no control over the legal documents and privacy practices of third party websites; as such, you access any such third party websites at your own risk.
Third Party Advertising
We may allow third party advertisers to place advertisements on our Website or any part thereof. Such advertisements will be clearly identified as originating from third parties. We do not endorse or recommend, and will not be held responsible for, the contents of such advertisements or for your access, use, reliance, sale, purchase, or other action with respect to the contents or subject matter of such third party advertisements. The section entitled “Links to other websites” of these Conditions shall apply in respect of any Link contained in any third party advertisement.
General Terms
Our Legal Terms shall be treated as though it were executed and performed in Singapore and shall be governed by and construed in accordance with the laws of Singapore without regard to conflict of law principles. In addition, you agree to submit to the personal jurisdiction and venue of such courts. Any cause of action by you with respect to our Website, must be instituted within one (1) year after the cause of action arose or be forever waived and barred. Should any part of our Legal Terms be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. To the extent that any Content in our Website conflicts or is inconsistent with our Legal Terms, our Legal Terms shall take precedence. Our failure to enforce any provision of our Legal Terms shall not be deemed a waiver of such provision nor of the right to enforce such provision. The rights of Notion Age Pte. Ltd. under our Legal Terms shall survive the termination of our Legal Terms.
