These Terms and Conditions (“Terms”) govern your access to and use of helloloansg.com and the loan-matching services provided through the website.
The website is operated by and trading as “Hello Loans” (“Hello Loans”, “we”, “us” or “our”).
By accessing our website or submitting a loan-matching request, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the website or submit your information.
Hello Loans operates an online loan-matching platform that helps users connect with participating third-party lenders in Singapore.
Hello Loans:
Any loan offered to you is provided directly by the relevant lender and is subject to a separate agreement between you and that lender.
You may use our loan-matching service only if you:
Submitting a request through Hello Loans does not mean that you satisfy a lender’s eligibility requirements.
When you submit a request, we may use the information provided to identify one or more participating lenders whose stated criteria may be relevant to your circumstances.
We may then disclose relevant information to selected participating lenders so that they can:
A match is not a recommendation, endorsement, approval or guarantee. We do not promise that every request will be referred to multiple lenders or that any lender will contact you.
You are not required to accept an offer merely because you submitted a request through Hello Loans.
Each participating lender is solely responsible for:
If you accept a loan, your legal relationship will be directly with the lender. Hello Loans will not be a party to the loan agreement and will not be responsible for either party’s performance of that agreement.
Completing our form or being matched with a lender does not guarantee:
Approval is subject to each lender’s assessment, eligibility requirements and applicable laws.
We reserve the right not to process, match or refer a request without being required to provide a reason, subject to applicable law.
Information displayed on the website, including possible loan amounts, interest rates, annual percentage rates, repayment periods, monthly repayments, fees and representative examples, is provided for general information only.
Actual terms may differ depending on factors such as:
Calculations and representative examples may be rounded or based on assumptions. They do not constitute a binding quotation or offer.
Before accepting a loan, you should obtain and carefully review the lender’s final written terms, repayment schedule, interest charges, fees and consequences of late or missed payments.
You agree to:
You must not submit false documents, misleading financial information or information belonging to another person without proper authority.
We may suspend or refuse to process a request if we reasonably suspect fraud, impersonation, unlawful conduct, misuse or inaccurate information.
Participating lenders are independent third parties. Their inclusion on our platform does not constitute a guarantee of their services or suitability for your circumstances.
Where a participating lender is described as a licensed moneylender, you should independently verify its current status against the official Registry of Moneylenders’ list before entering into a loan agreement.
You should not proceed if a person claiming to represent a lender:
Report suspicious or potentially unlawful activity to the relevant authorities.
Information on the website is general in nature and does not constitute financial, credit, legal, tax or debt-management advice.
Hello Loans does not assess whether taking a loan is suitable for your personal financial circumstances. You are responsible for evaluating:
If necessary, obtain independent professional advice before entering into a loan agreement.
Use the following clause if Hello Loans does not charge applicants:
Hello Loans does not charge users a fee for submitting a loan-matching request through the website. A participating lender may impose interest, administrative fees or other charges if you enter into a loan agreement. These charges must be explained by the lender.
Optional referral-fee clause:
Hello Loans may receive a referral, marketing or service fee from a participating lender when we introduce a user or when a referred user enters into a loan agreement. This arrangement does not guarantee approval and does not make Hello Loans a party to the loan agreement.
By submitting a loan-matching request, you agree that Hello Loans and the participating lenders to whom your request is referred may contact you concerning that request through:
These service-related communications may include requests for additional information, application updates and explanations of possible loan options.
Marketing communications are governed by your separate marketing consent and our Privacy Policy. You may withdraw optional marketing consent without withdrawing the information required to process an existing request.
Our collection, use, disclosure, storage and protection of personal data are governed by our Privacy Policy.
By submitting a request, you acknowledge that personal data relevant to the request may be disclosed to selected participating lenders for assessment and follow-up.
After receiving your personal data, a participating lender may process it under its own privacy policy and legal obligations.
Our website may contain links to participating lenders, service providers or other third-party websites.
These links are provided for convenience only. We do not control and are not responsible for:
Accessing a third-party website is at your own discretion and subject to that party’s terms and privacy policy.
You must not:
We may restrict or block access where we reasonably believe these Terms have been breached.
Unless otherwise stated, all rights in the website and its content, including its branding, logo, design, text, graphics, software and arrangement, belong to Hello Loans or its licensors.
You may view and use the website for your personal, non-commercial use. You may not copy, modify, publish, distribute, sell, license or commercially exploit any part of the website without our prior written permission.
Third-party names, logos and trademarks remain the property of their respective owners.
We aim to keep the website available and accurate, but we do not guarantee that:
We may modify, suspend, restrict or discontinue any part of the website or matching service at any time.
If your financial need is urgent, you should not rely solely on the availability or operation of this website.
To the fullest extent permitted by law, Hello Loans will not be liable for loss or damage arising from:
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded, including liability arising from fraud or fraudulent misrepresentation.
To the extent permitted by law, you agree to indemnify Hello Loans against claims, losses, liabilities and reasonable expenses arising directly from:
This clause does not require you to indemnify us for loss caused by our own fraud, wilful misconduct or liability that cannot be excluded by law.
We may suspend or terminate your access to the website or stop processing a request if:
Provisions intended to continue after termination, including those concerning intellectual property, liability, indemnity and governing law, will remain effective.
We may update these Terms to reflect changes to our services, business practices or legal obligations.
Updated Terms will be published on this page with a revised “Last updated” date. Changes will apply from the date of publication unless otherwise stated.
Your continued use of the website after an update constitutes acceptance of the revised Terms.
If any provision of these Terms is found to be invalid, unlawful or unenforceable, that provision will be modified to the minimum extent necessary or treated as removed.
The remaining provisions will continue in full force and effect.
If we do not immediately enforce a provision of these Terms, this does not mean that we have waived our right to enforce it later.
These Terms and the Privacy Policy constitute the entire agreement between you and Hello Loans concerning your use of the website and loan-matching service.
They do not replace or modify any separate loan agreement entered into between you and a participating lender.
A person who is not a party to these Terms has no right under the Contracts (Rights of Third Parties) Act 2001 to enforce any provision of these Terms.
These Terms are governed by the laws of Singapore.
Any dispute arising from or relating to these Terms, the website or our loan-matching service will be subject to the exclusive jurisdiction of the courts of Singapore.
