Terms and Conditions (“Terms”)

Last updated: January 29, 2016

Please read these Terms and Conditions (“Terms”, “Terms and Conditions”) carefully before using the www.housingloanadvisors.com.sg website and the housingloanadvisors mobile application (the “Service”) operated by Housing Loan Advisors Pte Ltd (the “Company”).
Your access to and use of the Website & Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Website & Service.
By accessing or using the Website & Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Website & Service.

Intellectual Property
The Website & Service and their original content, features and functionality are and will remain the exclusive property of Housing Loan Advisors Pte Ltd and its licensors. The Website & Service are protected by copyright, trademark, and other laws of both the Singapore and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Housing Loan Advisors Pte Ltd.

Links To Other Web Sites
Our Website & Service may contain links to third-party web sites or services that are not owned or controlled by Housing Loan Advisors Pte Ltd.
Housing Loan Advisors Pte Ltd has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that Housing Loan Advisors Pte Ltd shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.
The Company strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

The Company may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the Website & Service will immediately cease.

Limitation Of Liability
In no event shall Housing Loan Advisors Pte Ltd, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Website or Service; (ii) any conduct or content of any third party on the Website or Service; (iii) any content obtained from the Website or Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not the Company has been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

Your use of the Website & Service are at your sole risk. The Website & Service are provided on an “AS IS” and “AS AVAILABLE” basis decided by the individual bank and financial institute at its sole discretion. The Website & Service are provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.
Housing Loan Advisors Pte Ltd, its subsidiaries, affiliates, and its licensors do not warrant that a) the Website or Service will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Website or Service is free of viruses or other harmful components; or d) the results of using the Website or Service will meet your requirements.

Governing Law
These Terms shall be governed and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions.
The Company’s failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between the Company and you regarding our Website & Service, and supersede and replace any prior agreements the Company might have between the Company and you regarding the Website & Service.

The Company reserve the right, at its sole discretion, to modify or replace these Terms at any time. If a revision is material the Company will try to provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at the Company’s sole discretion.
By continuing to access or use our Website or Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Website & Service.

Contact Us
If you have any questions about these Terms, please contact the Company.