TERMS OF USE

Updated as of 08 June 2024

 

  1. ACCEPTANCE OF TERMS

SUT Consulting Pte. Ltd. (“SUT”) own and operate this website (“Site”) at https://refinanceguru.net.

Your access to this Site is subject to the Terms of Use stipulated herewith. Your access to and use of the Site is conditioned on your acceptance of and compliance with these Terms of Use. These Terms of Use apply to all visitors, users and others who access this Site.

If you do not agree to these terms and conditions, you are not authorized to access or use the Site and you are to cease accessing it immediately.

The data and other information you may provide to us is not an application for a loan or a request to be pre-approved or pre-qualify for a loan. We do not guarantee acceptance into any particular loan program or its terms & conditions with any lending bank/ institute. The approval of any loan is solely by the individual lending bank/ institute. As interest rate may change on a daily basis, we do not guarantee that the loan terms or offer rate(s) made available by any lending bank/ institute are the best terms or lowest rates available in the market. The offer from a lending bank/ institute may also be subjected to the application’s profile and market conditions. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement.

While we take efforts to derive the most accurate interest and payment calculations, the information is provided for estimation purposes only and should not be considered as 100% accurate. For more accurate details regarding the loan packages, please speak with us.

We are not licensed to provide financial advice. Therefore all contents on the Site are not to be taken as financial advice. These include the blog or news that the Site may post from time to time by different authors. You are to seek further financial advice if deemed necessary, or seek further professional bodies to make your own decision or judgement.

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. A material revision, determined solely at our discretion, will be provided at least 30 (thirty) days’ notice prior to any new terms taking effect.

 

  1. ABILITY TO ACCEPT TERMS OF USE

By using this Site, you affirm that you are more than 18 years of age, or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these terms of use, and to abide by and comply with these terms of use.

 

  1. THIRD PARTY WEBSITES

Our Service may contain links to third-party web sites or services that are not owned or controlled by SUT Consulting Pte Ltd.

SUT 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 SUT 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.

We allow back link to our Site, provided

  • the link is appropriate and legal and does not:
    (a) mislead or suggest any type of association, approval or endorsement unless legally agreed, or
    (b) harm our reputation or the reputation of any of our affiliates;
  • you have the legal right and technical ability to immediately remove the link at any time, following a request by us to do so.

However, we reserve the right to require you to immediately remove any link to the Site at any time and you shall immediately comply with any request by us to remove any such link.

 

  1. INTELLECTUAL PROPERTY

The intellectual property (IP) rights in the Site including texts, pictures, images, videos, graphics, user interfaces, trademarks, logos, applications, programs, computer code and other content made available on it are owned by us and our licensors. You may not print or otherwise make copies of any such content without the expressed consent from us.

 

  1. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT ALLOWABLE BY LAW, SUT’S TOTAL LIABILITY ON ALL CLAIMS, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE OR BREACH OF STATUTORY DUTY), STRICT LIABILITY, INDEMNITY, CONTRIBUTION, OR OTHERWISE, SHALL NOT EXCEED THE PRICE YOU PAID DIRECTLY TO CSPL SPECIFICALLY TO DESIGN AND DEVELOP YOUR WEBSITE AND NOT EXCEEDING SGD100.00.

 

  1. INDEMIFICATION

You hereby indemnify to the fullest extent SUT Consulting Pte Ltd from and against any and all liabilities, costs, demands, causes of action, damages and expenses (including reasonable attorney’s fees) arising out of or in any way related to your breach of any of the provisions of these Terms of Use.

 

  1. COLLECTION OF PERSONAL INFORMATION

We may collect and use information about you in accordance with our privacy policy.

 

  1. DURATION & TERMINATION

These Terms of Use are effective until terminated. We may terminate or suspend your access to our Site, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

 

  1. GOVERNING LAW

These Terms of Use will be governed by and construed in accordance with the laws of Singapore, and the courts of Singapore will have non-exclusive jurisdiction over any claim or dispute arising under or in connection with these Terms of Use.