Referral Program Terms and Conditions is a platform operated by Fundomni Pte Ltd that facilitate and enable its End-users a fast and easy manner to get quotes, compare and obtain various financing, loans products without the hassle of having to approach various Finance Providers one by one or incur a cost such as from using a broker.

Access to our Referral Program is subject to the following Referral Program Terms & Conditions which should be read in conjunction with our Platform’s Terms of Use, Privacy Policy and related policies. We reserve the right to amend these Terms & Conditions without notice by amending this page, which you should check them whenever you use this Platform and/or its services. By signing up to the referral program as well as your continued use of this Platform and/or its services will constitute your acceptance of the Terms & Conditions as well as you possessing the legal right, age and the ability to do so.

Nothing in this Terms & Conditions shall be construed as making each Party an agent, representative, joint venture, partner, or employee of the other party. Each Party shall not have any form of authority to enter into binding agreements with third parties on behalf of the other Party, including to incur any financial obligation on behalf of the other.
Except as otherwise expressly stated herein, the copyright and all other intellectual property in the contents of our platform (including, but not limited to, all design, text, sound recordings, images, links, logos, business names, trading names, service marks, trademarks, or internet domain names) are the property of Fundomni Pte Ltd and/or its subsidiaries and as such, may not be reproduced, transmitted, published, performed, broadcast, stored, adapted, distributed, displayed, licensed, altered or otherwise used in whole or in part in any manner without prior written consent from us. You agree not to copy, modify, distribute, sell, lease, loan or trade any access to the Platform or any data or information on it nor modify, make derivative works of, disassemble, decrypt, reverse compile or reverse engineer any part of the platform.
The boldface paragraph headings are included for ease of reference only and have no binding effect.


The terms, “we”, “us”, "our", “FindTheLoan.Com” means Fundomni Pte Ltd, its officers, and employees or its related companies and/or affiliates.
Platform refers to Website, Webapp, App or any medium we use to facilitate the service.

“Financing Partners”, refer to companies we connect End-users to, such as Banks, financial institutions, fund manager, asset managers, finance companies, excluded moneylenders, licenced moneylenders, factoring companies or their officers and employees.

“You”, “Referrer”, “Referring Party”, “Affiliate Partners” refers to participants of our Referral Program. For avoidance of doubt, a Referrer refers to someone inviting their friends, “referral", "referred person", “referee” to try out our product/services, while an Affiliate Partners, also known as partnership marketing/marketers refers to a third-party brand advocate participating in the Referral Program.

Expressions in the singular form include the plural and vice versa.

In carrying out the referral, the Referrer agrees he or she is not a representative of Fundomni Pte Ltd and is only sharing about the platform and/or the company and/or it services. Unless qualified to in your own capacity, you agree you are not conducting a professional service in loan introduction and that any personal information you may come across as a participant of our program is held in confidentiality and it is your duty to disclose any conflict of interest you may have with the referee, to the referee. And unless qualified to, you agree you are not giving advice, inputs or rendering recommendations, directions or suggestions on any investment or loan, marketing or promoting any such schemes or carrying out any initiatives or activities which would therefore violate any prevailing laws and/or regulations, decrees, rulings or policies of any government institutions.

The term “loan” is used only for simplicity even when referring to products such as Invoice Financing which may be considered as sale of a portion of future credit and may not be considered as a loan in many jurisdictions.

These Terms & Conditions shall be governed by and construed under the laws of Singapore.

Eligible Referrer

To qualify for the referral incentives, unless otherwise specified for a specific Referral Program, the referred user must be a new customer signing up using your unique Referral Link. A subsequent enquiry or a 2nd loan obtained from the same enquiry, within or out of that campaign period will be considered by from an existing customer. You agree may not make self-referrals and when referring a company, you may not be a director/officer of the company listed in ACRA. In the event of a breach of the terms and conditions, you agree we may pursue to reverse all referral fees paid or due.

Referral Fee Terms

Unless otherwise specified for a specific Referral Program, all quantum and incentives are specified in Singdollars.

Unless otherwise specified for a specific Referral Program, a successful referral is based on the referred successfully obtaining a loan. Where “Referral Incentives” that are dependent on the lenders’ category, it is based on the lenders’ declaration to us.

As a loan process can span across a long period such as e.g property loans where drawdown can happen months or years later from the day of enquiry. In determining which campaign period, you are entitled to and therefore the suitable incentive, unless otherwise specified for a specific Referral Program, the determination of which campaign period and therefore which campaign period’s incentive applies, it is based on the date the referred sent the enquiry and not any other dates, such as signing up on a particular date where the incentive could be higher or lower and not making any enquiries or obtaining the loan until much later.

In determining which is the 1st loan obtained by the referred, should he or she managed to obtain multiple eligible loans types from one lender in that enquiry, the highest incentive will be the only awarded and in the event he or she managed to obtain loans from multiple lenders, the incentive would be based on the 1st lender to instruct us. In the event of any discrepancy, we reserve the right to make the appropriate determination.

Other Provisions

You agree we reserve the rights to extend/adjust/terminate at any point in time the duration of the campaign period.

The Financing Partners remain the right not to offer any credit facilities and is not under any obligation whatsoever to render the prospective borrower or us any reason or explanation. You agree we therefore have the sole discretion to the approval to your participation of the program and to determine the success and entitlement of the referral incentives.

When entering the Program, and unless prohibited by law, you agree that under no circumstances will you be entitled to any awards for any losses or damages, and hereby waive all rights to claim punitive, incidental, consequential and any other damages from their choice to take part in the program. You agree if we cannot resolve any dispute by informal negotiation, any other effort to resolve the dispute will be conducted exclusively by binding arbitration and you give up the right to litigate. Any and all legal, accounting, and other costs, fees, and expenses incurred by the prevailing party shall be borne by the non-prevailing party. To the extent our liability cannot be excluded but can be limited, our liability is limited to USD100.

You agree the referral incentives are calculated as described in the “Referral Incentives” of the “Referral Program” which we reserve the rights to vary, amend or discontinue at any time and that we may replace the incentives in the form of cash, gift card, gift certificate or voucher of an equivalent value as we deem fit in rare occasions.

While most disbursement usually happens within hours or days of the loan approval and/or the signing of the letter of offer, depending on the Financing Partners’ process. As some of our Financing Partners can take days to update us of a successful loan referral and take up to 45 days to make payment to us, you agree that we may therefore take more than 45 days to transfer your qualified referral incentives.

You also agree and declare to us that in taking part in the Referral Program, you are not under sanction passed by Singapore, the United Nations Security Council, the European Union and the U.S. Department of the Treasury's Office of Foreign Assets Control.

Accuracy of Details

During or after your sign up of the program. should any details, such as banking account or mobile number, are wrongly entered during such time when we attempt to make the transfer, you agree that we are not held responsible if you had not modified/update them to the correct one prior to the transfer.

Referrer’s Responsibility

You agree to assume responsibility and to comply with all up-to-date “SPAM”, Data Privacy laws and marketing regulations, which may include the laws where the intended referred user lives. For example, emails must be created and distributed in a personal manner and bulk email distribution is prohibited without the recipient’s’ prior consent. Any distribution of the Referral Link that could constitute unsolicited commercial email or "spam" under any applicable law or regulation is expressly prohibited. You agree you are responsible for determining if taxes are payable on such transaction, and if so, self-remitting taxes to the appropriate tax authorities.

Affiliate Partner’s Responsibility

The main distinctions between the two types of referrers are the type of referrals you like to do. Our referral program is where you invite people you know personally, like friends and family, to become a user while the Affiliate Partner program allows you to promote us publicly online – such as on your website, social media or to your customers.

In doing so, you agree that is it not represented in any manner that may be construed as making each Party an agent, representative, joint venture, partner, or employee of the other party. Each Party shall not have any form of authority to enter into binding agreements with third parties on behalf of the other Party, including to incur any financial obligation on behalf of the other.

You agree only upon written/email confirmation, you may then act as an Affiliate Partner and use our trademark which will be sent to you, hereby granting to the Affiliate Partner, a limited, revocable, non-exclusive, non-sublicensable and non-transferable license to display the trademark solely as necessary to perform the Affiliate Partner’s obligations under this Agreement. until such time as notified by us or a significant change in your business activity to which you agree to update us and re-seek confirmation.

You agree we may mention you as our affiliate partners in our marketing materials and/or platform granting us a limited, revocable, non-exclusive, non-sublicensable and non-transferable license to use and display in any manner the Affiliate’s trademarks, service marks, logos, trade names, unless otherwise specified and agreed by us.

In becoming a referrer as an Affiliate Partner, in additional to the above terms and conditions, you agree you will make sure our logo is legible, and to maintain its integrity, keep the area surrounding it free of other elements. Do not modify it apart from resizing it to match the theme of your website. In any writing whenever possible, to use the word in full with the letters, F,T and L in capital. When using any domain or sub-domains you agree that any variations or misspellings of our name is not allowed and whenever possible, to use the word or FindTheLoan in full.

You agree you are responsible for determining if taxes are payable on such transaction, and if so, self-remitting taxes to the appropriate tax authorities.