FindTheLoan.com is all about making financing, transparent and easy to understand - thus we shall not bore you with lengthy and confusing terms and but still please take a minute to read the following:

Access to the use of this Platform is subject to these Terms & Conditions which should be read in conjunction with our Privacy Policy and other related such terms. We reserve the right to amend these Terms & Conditions without notice by amending this page, which you should check whenever you use this Platform.

General

The terms, “we”, “us”, "our", and “FindTheLoan.com” mean 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 managers, asset managers, finance companies, excluded moneylenders, licenced moneylenders, factoring companies or their officers and employees, whom we may receive a fee for the usage of the platform.

“You”, refers to all End-users of our Platform, FindTheLoan.Com.

“Referrer” refers to participants of our Referral Program.

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

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

FindTheLoan.com is a platform operated by Fundomni Pte Ltd that facilitates and enables its End-users a fast and easy manner to get quotes, compare and obtain various financing, and loan products without the hassle of having to approach various credit providers one by one or incur a cost such as from using a broker.

The Financing Partners retain the right not to offer any credit facilities and are not under any obligation whatsoever to render you any reason or explanation. The quotes, if any, while personalized, are directly from these Financing Partners and at their final discretion. We make no representation of its completeness and accuracy of it. Always clarify with them before making any decisions that hinge on you getting financing.

The boldface paragraph headings are included for ease of reference only and have no binding effect.

Reliance on information

This website is for information only and should not be construed as advice, offer or recommendation of any product or service. You should always check the suitability, adequacy, and appropriateness of the product or service that is of interest to you and it is your sole decision whether to obtain or refrain from obtaining any product or service. If in doubt as to the suitability, adequacy or appropriateness of any product or service referred to on this Platform, we suggest that you seek professional advice.

Intellectual Property

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.

User-Generated Content & Feedback

You agree you are responsible for the content such as reviews, feedback and rating that you generate which may be viewable publicly. This includes ensuring that you have the rights needed for you to post that content and that your content does not violate the legal rights of another party or any applicable laws. You also grant us the rights and license to use these contents which may include your name for the limited purpose of identifying you as a customer of ours on our platform and in our promotional materials, such as press releases. When reading content generated by other End-users, please note that the experiences are personal to those particular users and not necessarily be representative of all users.

You further agree and warrant that you shall not submit any content:

•             that is known by you to be false, inaccurate or misleading;

•             that infringes any third party’s copyright, patent, trademark, trade secret or other proprietary rights or rights of publicity or privacy;

•             that violates any law, statute, ordinance or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising);

•             that is, or may reasonably be considered to be, defamatory, libellous, hateful, racially or religiously biased or offensive, unlawfully threatening or unlawfully harassing to any individual, partnership or corporation;

•             for which you were compensated or granted any consideration by any third party;

•             that includes any information that references other platforms, addresses, email addresses, contact information or phone numbers.

You agree that all feedback, idea and suggestion given, and anything created as a result of that feedback (including new material, enhancements, modifications or derivative works), are owned solely by us and we reserve the right in its sole discretion and for any reason to remove any user-generated without notice to you.

No Endorsement or Verification

FindTheLoan.com may contain access to third-party content, products and services which does not amount to an endorsement or verification by us. You agree the use of the links and third-party platforms is at your own risk.

Promotions

We may, from time to time, include contests, promotions, sweepstakes, or other activities (“Promotions”). Please note that all Promotions may be governed by separate terms and conditions. You agree you are responsible to read all Promotions rules to determine whether or not you are eligible to participate, and if you enter any Promotion, you agree to abide by and to comply with all Promotions terms and conditions.

Disclosure and obligation

You agree that all information provided is accurate to the best of your ability and all necessary permissions have been collected.

You agree you permit us to disclose, reveal and divulge any and all information and particulars, submitted by you voluntarily, relating to your enquiry and in connection to you, on a need-to-know basis, to the Financing Partners for the purpose of credit assessment; which you also agree to and when applicable, authorising and permitting them to perform any necessary credit check and verification of any information provided, with all sources they may deem fit. Please note that such checks are independent of whether you approached them directly or via us. See an example of POSB's policy here.

Financing Partners are contractually bound not to misuse the personal data outside the scope of their role as a Financing Partner on FindTheLoan.com for the purpose of facilitating your enquiry and to comply and remain in compliance with privacy laws such as the Personal Data Protection Act. But if a Financing Partner breaches any obligation to you, you agree you are solely responsible for enforcing any rights that you may have, should any action we take to uphold the experience of all users against them is not to your satisfaction.

Legal and Investigative Purposes

We may disclose information about you to the government or law enforcement officials or private parties in our sole discretion if we believe it necessary or appropriate to respond to claims and legal process (including but not limited to subpoenas), or, at the request of governmental authorities or other third parties conducting an investigation where we determine in our sole discretion the disclosure is necessary to (a) protect the property and rights of us or a third party, (b) protect the safety of the public or any person, or (c) prevent or stop activity we may consider to be, or pose a risk of being, illegal, fraudulent, unethical or legally actionable activity.

Warranty

You are responsible for configuring your information technology, computer programmes and or system in order to access our Platform and you agree that while utmost effort would be made to preserve the smooth running of the platform/services, it is no warranty that your use of the platform/services will be uninterrupted and error-free including unplanned outages and other malfunctions. Under no circumstances will Fundomni Pte Ltd be liable for any failure of performance system, server or connection failure, error, omission, interruption, loss of data, breach of security, computer virus, malicious code, corruption, delay in operation or transmission, transmission error or unavailability of access in connection with your accessing this Platform.

Fundomni Pte Ltd like many technology companies uses carefully selected third-party service providers such as e.g Amazon Web Services for hosting and Facebook for easy logins; to host, store, transmit, and process our data. All measures reasonably necessary will be taken to ensure any data is kept secure and private but their organization practices beyond what is publicly shared may be beyond our control. By using our platform, you acknowledge that you understand and agree to assume the risk.

While we may advertise as being able to reach many lenders with just one submission, your actual experience may differ. Depending on e.g your credit profile, loan type chosen, and the parameters set by our Financing Partners individually on what sort of enquiries they wish to receive, our platform’s algorithm may show you more or less suitable Financing Partners to select from.

Tools such as digital name cards and calculators are provided only for the convenience of our users. We make no warranty of it and may discontinue them at any time.

Indemnity, Governing Law and Jurisdiction

You agree that such access and/or use, as well as these Terms & Conditions, shall be governed by and construed under the laws of Singapore. Accessing this platform from territories where its contents are deemed illegal or unlawful is prohibited. If you choose to access this platform from elsewhere other than Singapore, you do so of your own volition and are responsible for compliance with local laws in the territory of access. You also agree to indemnify and hold harmless Fundomni Pte Ltd and/or its subsidiaries, and their officers, directors, and employees from and against any claims, causes of action, damages, obligations, losses, liabilities, costs or debt, and expenses arising from or relating to, breach of these Terms and Conditions. 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.

Prohibited use & suspending or terminating your access without any prior notice.

We reserve all rights to modify the content, features, and functionality of this platform, to shut down this platform and deny or restrict access to this platform to any particular user, or to block access from a particular internet address to this platform, at any time and without any prior notice, without ascribing any reasons whatsoever. But in general, if you do the following: we don’t want to friend you anymore.

  • You are seeking financing for the purpose of the development, design, manufacture, or production of nuclear, chemical, or biological weapons. (We want to live long and prosper)
  • You breach or threaten or intend to breach these terms & conditions.
  • We are required to do so to comply with a legal requirement or a court order.
  • We reasonably believe that your conduct causes harm or liability to a user, third party, or us — for example, by sublicensing, hacking, phishing, harassing, spamming, misleading others, or scraping content that does not belong to you.
  • Selling, trading, or giving an account to another person.
  • If your account is inactive for 12 or more months. This is to protect your account and we will send you a reminder to log in to your account prior to any deletion of your account.