Individual & Business Loans

Terms & Conditions

These terms and conditions set out the rules and regulations for using QuickLoan Pte Ltd’s website.

By accessing this website, we assume that you accept these terms and conditions in full. Please do not continue to use QuickLoan Pte Ltd’s website if you do not accept all of the terms and conditions on this page.

Terminology

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements: “Client”, “You” and “Your” refers to you, the person accessing this website and accepting the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves, or either the Client or ourselves.

All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services/products, in accordance with and subject to the prevailing law of Singapore. Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring to the same.

Cookies

We use cookies. By using QuickLoan Pte Ltd’s website, you consent to the use of cookies in accordance with QuickLoan Pte Ltd’s privacy policy. Most modern day websites utilise cookies to allow the retrieval of user details for each visit. Cookies are used in some parts of our site to enable this functionality and to allow ease of use. Some of our affiliate/advertising partners may also use cookies.

Licenses

Unless otherwise stated, QuickLoan Pte Ltd and/or its licensors own the intellectual property rights for all material on QuickLoan Pte Ltd, and all intellectual property rights are reserved. You may view and/or print pages from

https://quickloan.com.sg

for your personal use, but subject to the restrictions set out in these terms and conditions.

You must not:

Republish material from

https://quickloan.com.sg

Sell, rent or sub-license material from

https://quickloan.com.sg

Reproduce, duplicate or copy material from

https://quickloan.com.sg

Redistribute content from QuickLoan, unless the content is specifically created for distribution.

Comments by Users

Certain parts of this website offer users the opportunity to post and exchange opinions, information, material and data (‘Comments’). QuickLoan does not screen, edit, publish or review Comments prior to their appearance on the website, and Comments do not reflect the views or opinions of QuickLoan Pte Ltd, its agents or affiliates.

Comments reflect the view and opinion of people who post them. To the extent permitted by applicable laws, QuickLoan Pte Ltd shall not be responsible or liable for the Comments or for any loss cost, liability, damages or expenses caused and or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.

QuickLoan Pte Ltd reserves the right to monitor all Comments and remove any Comment that it considers in its absolute discretion to be inappropriate, offensive or in breach of these Terms and Conditions.

You warrant and represent that:

You are entitled to post Comments on our website and have all necessary licenses and

consents to do so;

The Comments do not infringe any intellectual property right, including without limitation

copyright, patent or trademark, or other proprietary right of any third party;

The Comments do not contain any defamatory, libelous, offensive, indecent or unlawful

material or material that’s an invasion of privacy;

The Comments will not be used to solicit or promote business or custom or present

commercial activities or unlawful activity.

You hereby grant to QuickLoan Pte Ltd a non-exclusive royalty-free license to use, reproduce, edit and authorise others to use, reproduce and edit any of your Comments in any and all forms, formats or media.

Content Hyperlinking

The following organisations may link to our website without prior written approval: Government agencies; search engines; news organizations; online directory distributors, when these organisations list us in the directory and may link to our website in the same manner as how they link to the websites of other listed businesses; and Systemwide Accredited Businesses except soliciting non-profit organisations, charity shopping malls and charity fundraising groups which may not hyperlink to our website. These organizations may link to our home page, to publications or to other website information as long as the link: (a) is not misleading in any way; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.

We may consider and approve in our sole discretion other link requests from the following types of organizations: commonly-known consumer and/or business information sources such as dot.com community sites; associations or other groups representing charities including charity giving sites, online directory distributors; internet portals; accounting, law and consulting firms whose primary clients are businesses; and educational institutions and trade associations.

We will approve link requests from these organisations if we determine that: (a) the link would not reflect unfavorably on us or our accredited businesses (for e.g. trade associations or other organisations representing inherently suspect types of business such as work-at-home opportunities shall not be allowed to link); (b) the organization does not have an unsatisfactory record with us; (c) the benefit to us from the visibility associated with the hyperlink outweighs the absence of; and (d) where the link is in the context of general resource information or is otherwise consistent with editorial content in a newsletter or similar product furthering the mission of the organisation.

These organizations may link to our home page, to publications or to other website information so long as the link: (a) is not misleading in any way; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.

If you are among the organizations listed above, you must notify us. Please include your name, your organisation name, contact information (such as a phone number and/or e-mail address) as well as the URL of your site, a list of any URLs from which you intend to link to our website, and a list of the URL(s) on our site to which you would like to link. Please allow two to three weeks for a response from us.

Approved organizations may hyperlink to our website as follows: By use of our corporate name; or by use of the uniform resource locator (web address) being linked to; or by use of any other description of our website or material being linked to that makes sense within the context and format of content on the linking party’s site. No use of QuickLoan Pte Ltd’s logo or other artwork will be allowed for linking absent a trademark license agreement.

Use of Frames

Without prior approval and express written permission, you may not create frames around our web pages or use other techniques that change in any way our website’s visual presentation or appearance.

Reservation of Rights

We reserve the right at any time and in its sole discretion to request that you remove all links or any particular link to our website. You agree to immediately remove all links to our website upon such request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuing to link to our website, you agree to be bound to and abide by these linking terms and conditions.

Requests to Remove Links From Our Website

If you find any link on our website or any linked website objectionable for any reason, you may let us know. We will consider requests to remove links, but are not obliged to do so or to respond directly to you.

While we endeavour to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up to date.

Content Liability

We are not responsible or liable for any content appearing on your website. You agree to indemnify and defend us against all claims arising out of or based upon your website. No link(s) may appear on any page on your website or within any context containing content or materials that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of any third party rights.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will: limit or exclude our or your liability for death or personal injury resulting from negligence; limit or exclude our or your liability for fraud or fraudulent misrepresentation; limit any of our or your liabilities in any way that is not permitted under applicable law; or exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty. To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

Links To External Websites

Our Service may contain links to third-party websites or services that are not owned or controlled by QuickLoan Pte Ltd.

QuickLoan 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 QuickLoan 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 the use of or reliance on any such content, goods or services available on or through any such websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

Governing Law

These Terms shall be governed and construed in accordance with the law of Singapore, without regard to its conflict of law provisions.

Our 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 us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.

Modifications to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we 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 our sole discretion.

By continuing to access or use our 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 Service.

Please

contact us

if you have any questions about these Terms.

Privacy Policy

QuickLoan Pte Ltd (“us”, “we”, or “our”) operates the

website (the “Service”).

This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible from

Collection of Information and its Use

We collect different types of information for various purposes to provide and improve our Service to you.

Data We Collect

Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:

Email address

First name and last name

Phone number

Address, State, Province, Postal code, City

Cookies and Usage Data

Usage Data

We may also collect information on how the Service is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s IP address, browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

Tracking & Cookies Data

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information.

Cookies are files with small amounts of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyse our Service.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Examples of Cookies we use:

Session Cookies:

We use Session Cookies to operate our Service.

Preference Cookies:

We use Preference Cookies to remember your preferences and various settings.

Security Cookies:

We use Security Cookies for security purposes.

How Data is Used

QuickLoan Pte Ltd uses the collected data for various purposes:

To provide and maintain the Service

To notify you about changes to our Service

To allow you to participate in interactive features of our Service when you choose to do so

To provide customer care and support

To provide analysis or valuable information so that we can improve the Service

To monitor the usage of the Service

To detect, prevent and address technical issues

Transferring Of Data

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those from your jurisdiction.

If you are located outside Singapore and choose to provide information to us, please note that we transfer the data, including Personal Data, to Singapore and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

QuickLoan Pte Ltd will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure Of Data

Legal Requirements

QuickLoan Pte Ltd may disclose your Personal Data in the good faith belief that such action is necessary to:

To comply with a legal obligation

To protect and defend the rights or property of QuickLoan Pte Ltd

To prevent or investigate possible wrongdoing in connection with the Service

To protect the personal safety of users of the Service or the public

To protect against legal liability

Data Security

The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Service Providers

We may employ third party companies and individuals to facilitate our Service (“Service Providers”), to provide the Service on our behalf, to perform Service-related services or to assist us in analysing how our Service is used.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

We may use third-party Service Providers to monitor and analyse the use of our Service.

Analytics

We may use third-party Service Providers to monitor and analyse the use of our Service.

Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualise and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page:

https://policies.google.com/privacy?hl=en

Links To External Websites

Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Privacy of Children

Our Service does not address anyone under the age of 18 (“Children”).

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children have provided us with Personal Data, please contact us.

If we become aware that we have collected Personal Data from children without verification of parental consent, we will take steps to remove that information from our servers.

Modifications To This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the “effective date” at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Website Visitors

Like most website operators, We collect non-personally-identifying information that web browsers and servers typically make available, such as browser type, language preference, referring site, and the date and time of each visitor request.

Our purpose of collecting non-personally identifying information is to better understand how QuickLoan Pte Ltd’s visitors use its website. From time to time, QuickLoan Pte Ltd may release non-personally-identifying information in the aggregate, e.g. by publishing a report on trends in the usage of its website.

QuickLoan Pte Ltd also collects potentially personally-identifying information like IP addresses for form submission. QuickLoan only discloses logged in user and form submission IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that the form submission IP addresses and email addresses are visible and disclosed to the administrators of the blog/site where the comment was left.

Personally-Identifying Information

Certain visitors to QuickLoan Pte Ltd’s website choose to interact with QuickLoan Pte Ltd in ways that require QuickLoan Pte Ltd to gather personally-identifying information. The amount and type of information that QuickLoan gathers depend on the nature of the interaction. For example, we ask visitors who sign up at QuickLoan.com.sg to provide a username and email address. Those who engage in transactions with QuickLoan Pte Ltd are asked to provide additional information, including as necessary the personal and financial information required to process those transactions.

In each case, QuickLoan Pte Ltd collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor’s interaction with QuickLoan Pte Ltd. QuickLoan Pte Ltd does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

Aggregated Statistics

QuickLoan Pte Ltd may collect statistics about the behavior of visitors to its websites. QuickLoan Pte Ltd may display this information publicly or provide it to others. However, we do not disclose personally-identifying information other than as described below.

Protection of Certain Personally-Identifying Information

QuickLoan Pte Ltd discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors, and affiliated organisations that (i) need to know that information in order to process it on QuickLoan Pte Ltd’s behalf or to provide services available at QuickLoan Pte Ltd’s websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organisations may be located outside of your home country; by using QuickLoan Pte Ltd’s websites, you consent to the transfer of such information to them. QuickLoan Pte Ltd will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, QuickLoan Pte Ltd discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when we believe in good faith that disclosure is reasonably necessary to protect the property or rights of QuickLoan Pte Ltd, third parties or the public at large.

If you are a registered user of the QuickLoan Pte Ltd’s website and have supplied your email address, QuickLoan Pte Ltd may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what’s going on with QuickLoan Pte Ltd and our products. If you send us a request (for example via email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. QuickLoan Pte Ltd takes all measures reasonably necessary to protect against the unauthorised access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.

Please

contact us

if you have any questions about this Privacy Policy.

Data Protection Policy

Introduction

1.1  QuickLoan Pte Ltd (hereinafter “QuickLoan”, “we”, “us”, “our”) is committed to protecting the privacy and security of personal data that we collect from our customers.

1.2  This Data Protection Policy sets out how we collect, use, disclose, store, and protect personal data collected through our website

www.quickloan.com.sg

(hereinafter “website”), including Myinfo Singpass information and other information submitted through our online loan application or through the Contact Us page.

1.3  This Policy is in accordance with the Personal Data Protection Act 2012 (PDPA) of Singapore and any other applicable laws and regulations.  

Types of Personal Data Collected

2.1  We may collect the following types of personal data:

Name, contact details, identification number, and other personal particulars

Financial information, employment details, and credit history

Information about your transactions with us

Any other information that you voluntarily provide to us through our website or other means of communication

Purposes of Collection, Use, and Disclosure of Personal Data

3.1  We may collect, use, and disclose your personal data for the following purposes:

To verify your identity, eligibility, and creditworthiness for loan applications

To provide, process, and manage our loan products and services to you

To respond to your inquiries and requests submitted through the Contact Us page

To comply with applicable laws and regulations, including but not limited to Anti-Money Laundering and Countering the Financing of Terrorism requirements

To conduct research, analysis, and audits to improve our products and services

To market our products and services to you, subject to your consent

Consent

4.1  By submitting your personal data to us through our website or other means of communication, you consent to our collection, use, and disclosure of your personal data for the purposes set out in this Policy.

4.2 We will only collect, use, or disclose your personal data for additional purposes with your consent, unless required or authorized by law.

Protection of Personal Data

5.1  We will take reasonable steps to protect your personal data from unauthorized access, use, disclosure, modification, or destruction.

5.2 We will use appropriate security measures, including physical, technical, and administrative safeguards, to ensure the confidentiality, integrity, and availability of your personal data.

5.3 We will retain your personal data for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable laws and regulations.

Disclosure of Personal Data

6.1 We may disclose your personal data to the following parties:

Our affiliates, subsidiaries, and related entities

Our service providers and vendors who provide services to us, such as IT support and debt collection agencies

Credit bureaus, regulatory authorities, and law enforcement agencies, as required by law

Any other person to whom you have authorized us to disclose your personal data

Myinfo Singpass Information

7.1  If you choose to use Myinfo Singpass to apply for our loan products and services, we will collect and use your personal data in accordance with the Myinfo Terms of Use and the PDPA.

7.2  We will only collect Myinfo Singpass information that is necessary for the purposes of verifying your identity, eligibility, and creditworthiness for loan applications.

7.3  We will not use your Myinfo Singpass information for any other purposes without your consent, unless required or authorized by law.

7.4 We will retain your Myinfo Singpass information only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable laws and regulations.

Rights of Individuals

8.1  You have the right to access and correct your personal data held by us, subject to certain exceptions and restrictions under the PDPA.

8.2 You may also withdraw your consent for us to collect, use, or disclose your personal data at any time, subject to legal and contractual restrictions. However, if you do so, we may not be able to provide you with our loan products and services.

8.3 If you have any questions or concerns regarding our collection, use, or disclosure of your personal data, or if you wish to exercise your rights under the PDPA, please contact our Data Protection Officer at

info@quickloan.com.sg

.

Updates to the Policy

9.1 We may revise this Policy from time to time to reflect changes in our business practices, legal and regulatory requirements, or industry standards.

9.2 The updated Policy will be posted on our website and will be effective upon posting.

9.3 Your continued use of our website and our loan products and services after the effective date of the updated Policy constitutes your acceptance of the updated Policy.

Contact Us

10.1  If you have any questions or concerns about this Policy or our data protection practices, please contact our Data Protection Officer at

info@quickloan.com.sg

.