Terms of Use

1. Definitions and interpretation

1.1 In these Terms, unless the context otherwise requires: "AI Tools" means the automated tools made available on the Site from time to time, including the Loan Check-Up, the Term Sheet Scanner and the Rate Check; "Applicable Law" means all laws and regulations of the Republic of Singapore applicable to the Company, the Site or the User; "Company", "we", "us" and "our" mean QuickFund Pte Ltd (UEN 202430137G); "Content" means all text, guides, data, graphics, designs, logos, software, tools, outputs and other materials made available through the Site; "Engagement" means any written engagement letter or terms of business between the Company and a User in respect of the arrangement or introduction of financing; "Lender" means any bank, financial institution, fintech lender, fund, family office, private credit provider or other third party that provides or may provide financing; "Output" means any result, analysis, assessment, score or other material generated by the AI Tools; "Privacy Policy" means the Company's privacy policy published on the Site; "Site" means the website at quickfund.sg including all pages, Content and AI Tools; "Terms" means these Terms of Use as amended from time to time; and "User", "you" and "your" mean any person who accesses or uses the Site, including any business on whose behalf that person acts.

1.2 Clause headings are for convenience only. Words in the singular include the plural and vice versa. "Including" is without limitation. References to a statute include that statute as amended or replaced.

2. Application of these Terms

2.1 These Terms constitute a legally binding agreement between the Company and each User in respect of access to and use of the Site.

2.2 These Terms set out the conditions for using the Site and the AI Tools. They are presented for acceptance before you use an AI Tool or request a service through a form, and by proceeding you agree to be bound by them and by the Privacy Policy. Mere browsing of the Site does not create a financing engagement. If you do not agree to these Terms, you must cease all use of the Site.

2.3 These Terms govern use of the Site only. Where the Company and a User enter into an Engagement, the terms of that Engagement govern the services provided under it and prevail over these Terms to the extent of any inconsistency.

2.4 The Privacy Policy is incorporated into and forms part of these Terms.

3. Nature of the Company's business

3.1 The Company carries on the business of introducing businesses to Lenders and of publishing general information relating to business financing.

3.2 You acknowledge and agree that the Company: (a) is not a lender, does not lend money or extend credit, and does not carry on the business of moneylending within the meaning of the Moneylenders Act 2008; (b) is not a licensed financial adviser and does not provide any financial advisory service within the meaning of the Financial Advisers Act 2001; (c) does not hold a capital markets services licence and does not carry on any regulated activity within the meaning of the Securities and Futures Act 2001; (d) in respect of any securities, equity, convertible, fund-raising or capital-markets transaction, acts on a referral basis only, with any such transaction conducted by appropriately licensed or specialist third parties; (e) is not the agent of any Lender and is not a party to any financing agreement between you and a Lender; and (f) does not provide legal, tax, accounting or investment advice.

3.3 The Site promotes the Company's information, commercial review and introduction services. Its general content and the Outputs are not an offer of finance, a solicitation, or a personal recommendation about any transaction. They do not establish eligibility, affordability or suitability. Services requiring regulatory authorisation are carried out only by appropriately authorised providers.

4. Eligibility, business use and territorial scope

4.1 The Site and the Company's services are directed exclusively at companies, businesses and their authorised officers. The Site is not directed at individuals seeking credit for personal, family or household purposes.

4.2 By using the Site you represent and warrant that you are at least 18 years of age, are acting for or on behalf of a business, and will comply with Applicable Law. If you submit an enquiry for a business, you must be authorised to make that enquiry and to share the information submitted.

4.3 The Site is operated by the Company from the Republic of Singapore. The Company makes no representation that the Site, the Content, the AI Tools or its services are appropriate, available or permitted in any other jurisdiction. Nothing on the Site constitutes an offer or solicitation in any jurisdiction where it would be unlawful or would require a licence the Company does not hold. Users accessing the Site from outside Singapore do so on their own initiative and are solely responsible for compliance with local laws.

5. AI Tools

5.1 The AI Tools generate Outputs automatically by software and artificial intelligence models, without human review. Outputs may be inaccurate, incomplete, out of date or unsuitable for your circumstances.

5.2 Outputs are provided for general information only. No Output constitutes advice, an assessment of creditworthiness or eligibility, an indication that any Lender will offer financing on any terms, or a recommendation to enter into or refrain from any transaction.

5.3 You shall not rely on any Output as the basis for any financial, borrowing, guarantee or commercial decision, and shall obtain independent legal, financial and other professional advice before entering into any loan, guarantee or financing arrangement.

5.4 In submitting information to the AI Tools you represent and warrant that you have all rights and authority to do so, that the information does not infringe any third party's rights or breach any obligation of confidence, and that it is not unlawful, misleading or fraudulent.

5.5 Information submitted to the AI Tools and the Outputs generated may be stored, retained and used by the Company in accordance with the Privacy Policy, including to respond to your enquiry.

5.6 The AI Tools are subject to fair-use limits. The Company may restrict, suspend or withdraw access to them at any time without notice.

6. No guarantee

6.1 All decisions as to whether to offer financing, and as to its amount, rate, fees, tenure, security, conditions and timing, are made solely by the relevant Lender.

6.2 The Company makes no representation, warranty or guarantee as to the approval, availability, terms, rates, timing or suitability of any financing, or as to the accuracy of any figure, range, timeline or example on the Site, all of which are indicative only.

6.3 All borrowing carries risk, including the loss of any asset pledged as security and personal liability under any guarantee. You are solely responsible for your borrowing decisions and their consequences.

7. Third parties

7.1 Any financing you obtain is provided by the relevant Lender under that Lender's own terms, which you must review and accept independently. The Company has no responsibility or liability for any Lender's products, terms, decisions, acts or omissions.

7.2 The Site may link to third-party websites or services. Such links are for convenience only; the Company does not control or endorse them and is not responsible for their content, availability, privacy practices or security.

8. Fees

8.1 No fee is payable for accessing or using the Site or the AI Tools.

8.2 Any success fee payable to the Company for arranging or introducing financing is agreed with you in writing before you proceed and is payable only after successful disbursement. Separate advisory work may carry an upfront fee agreed in writing before work begins.

9. Intellectual property

9.1 All intellectual property rights in the Site and the Content are owned by or licensed to the Company. All rights not expressly granted are reserved.

9.2 Subject to these Terms, you may access and view the Site and download or print Content solely for your own internal business purposes. Where a downloadable guide expressly permits free forwarding, you may share it in full and unchanged under that permission.

9.3 Except as permitted by clause 9.2 or by Applicable Law, you shall not reproduce, modify, edit, rebrand, publish, distribute, scrape, extract, compile, sell or otherwise exploit any part of the Site or the Content without the Company's prior written consent. Rights allowed by law remain.

9.4 "QuickFund" and the QuickFund logo are marks of the Company. No licence to use them is granted.

10. Acceptable use

10.1 You shall not, and shall not attempt to: (a) use the Site for any unlawful or fraudulent purpose; (b) access or copy the Site by automated means, other than search engines indexing publicly available pages in accordance with the Site's robots directives; (c) submit any instruction or content intended to alter, override, extract or interfere with the operation or instructions of the AI Tools; (d) probe, scan, test or circumvent any security, authentication, rate-limiting or usage-control measure; (e) interfere with the integrity or performance of the Site; (f) submit false, misleading, defamatory, infringing or fraudulent information; or (g) impersonate any person or misrepresent your affiliation.

10.2 The Company may suspend or terminate your access to the Site immediately upon any actual or suspected breach of this clause.

11. Personal data

11.1 The Company collects, uses, discloses and retains personal data in accordance with the Personal Data Protection Act 2012 and the Privacy Policy.

11.2 The Company handles personal data for the purposes explained at the point of collection and in the Privacy Policy, with consent or another basis permitted by law. A request for a guide or an enquiry permits the Company to fulfil that request and respond to it. It is not, by itself, agreement to unrelated marketing. Any separate contact choices you make are recorded and respected.

12. Disclaimer of warranties

12.1 The Site, the Content, the AI Tools and the Outputs are provided on an "as is" and "as available" basis.

12.2 To the fullest extent permitted by Applicable Law, the Company excludes all conditions, warranties and representations, express or implied, including as to accuracy, completeness, currency, merchantability, satisfactory quality, fitness for purpose and non-infringement.

12.3 The Company does not warrant that the Site will be available, uninterrupted, secure or error-free.

13. Limitation of liability

13.1 Nothing in these Terms excludes or limits the Company's liability for death or personal injury caused by its negligence, for fraud or fraudulent misrepresentation, or for any liability that cannot be excluded or limited under Applicable Law, including under the Unfair Contract Terms Act 1977.

13.2 Subject to clause 13.1 and to the fullest extent permitted by Applicable Law, the Company and its directors, officers, employees, agents and contractors shall not be liable, whether in contract, tort (including negligence), breach of statutory duty, misrepresentation or otherwise, for any loss of profit, revenue, business, contract, opportunity, goodwill or anticipated savings; loss of or damage to data; loss arising from any Lender's decision, terms, act or omission; loss arising from reliance on any Content or Output; or any indirect, consequential, special, exemplary or punitive loss, in each case arising out of or in connection with the Site, the Content, the AI Tools, the Outputs or these Terms, even if advised of the possibility of such loss.

13.3 Subject to clauses 13.1 and 13.2, the Company's aggregate liability to any User arising out of or in connection with the Site, the Content, the AI Tools, the Outputs or these Terms shall not exceed one thousand Singapore dollars (S$1,000).

13.4 The exclusions and limitations in these Terms apply only to the extent permitted by Applicable Law, including any requirement of reasonableness. They do not override clause 13.1 or any rights under an agreed Engagement.

14. Indemnity

14.1 You shall indemnify the Company and its directors, officers, employees and agents against all claims, liabilities, losses, damages, costs and expenses (including reasonable legal fees) arising out of your breach of these Terms, your breach of the warranties in clauses 4.2 or 5.4, or your unlawful or improper use of the Site.

15. Suspension and termination

15.1 The Company may at any time, with or without notice, suspend, restrict, modify, discontinue or withdraw the Site or any part of it, without liability to any User.

15.2 Clauses 3, 5.1 to 5.5, 6, 7, 9, 12, 13, 14, 17 and 18 survive any termination of these Terms or cessation of your use of the Site.

16. Variation

16.1 The Company may amend these Terms by publishing the amended Terms on the Site, and will update the Effective Date accordingly.

16.2 Changes apply prospectively from the stated Effective Date. Material changes will be brought to your attention before you next accept these Terms through a form or use an AI Tool. A change to these Terms does not amend an existing Engagement unless that Engagement permits it.

17. General

17.1 These Terms and the Privacy Policy constitute the entire agreement between you and the Company regarding use of the Site.

17.2 If any provision is held invalid or unenforceable, it shall be severed to that extent and the remaining provisions continue in full effect.

17.3 No failure or delay by the Company in exercising any right is a waiver of it.

17.4 You may not assign or transfer your rights or obligations under these Terms. The Company may assign its rights and obligations to any affiliate or successor.

17.5 Save as expressly provided in clauses 13 and 14, 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 of them.

17.6 Notices to the Company shall be sent to contact@quickfund.sg. Notices to you may be given by publication on the Site or by email to any address you have supplied.

18. Governing law and dispute resolution

18.1 These Terms and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them are governed by the laws of the Republic of Singapore.

18.2 The parties shall attempt in good faith to resolve any dispute by negotiation between senior representatives within thirty (30) days of written notice of the dispute.

18.3 Subject to clause 18.2, the courts of the Republic of Singapore have exclusive jurisdiction over any dispute or claim arising out of or in connection with these Terms, and each party irrevocably submits to that jurisdiction.

19. Contact

19.1 Enquiries about these Terms may be directed to QuickFund Pte Ltd (UEN 202430137G) at contact@quickfund.sg.