Terms of Usage
Last Updated and Effective: 12 October, 2023
1.1 These terms and conditions regulate your interaction with and use of our services, including our website, mobile applications, APIs, notifications, and any content or information therein (collectively referred to as our “Platform”).
1.2 By utilising our Platform, you consent to these terms, irrespective of whether you are a paid subscriber or a free visitor. If you are accessing our Platform on behalf of an organisation, you are consenting to these terms on behalf of said organisation.
2. Who We Are and How to Reach Us
2.1 We are Loanstreet®, a marketing lead generator owned by Starstruck Marketing Pte. Ltd., a company registered in Singapore. Our UEN is 201821068H, and our registered office is located at 60 Paya Lebar Rd, #13-10 Paya Lebar Square, Singapore 409051.
2.2 For any queries or issues related to our Platform, products, or services, or these terms, you can reach out to our customer support team at firstname.lastname@example.org.
2.3 As part of our service provision, we may need to send you specific communications, such as service updates and administrative notices. To opt out of receiving such messages, which may affect your Platform usage, please contact our customer support team.
2.4 Should we need to get in touch with you, we will do so either by phone or by writing to you at the email you’ve provided.
2.5 In these terms, the words “writing” or “written” include emails.
3. Amendments to Terms
3.1 We reserve the right to modify these terms periodically by updating the terms on our Platform. Should significant changes occur, we will inform you before they take effect. Your continued use of our Platform and services after such changes signifies your acceptance of the updated terms.
4. Service Availability
4.1 Our Platform and the services we offer are continually evolving. We may alter, suspend, or discontinue any products or services, or add or remove features at our discretion. Should we cease offering certain services or features, we will provide reasonable advance notice where possible.
4.2 We may introduce services that are in a “beta” or “trial” phase. Please be aware that such services may not be as reliable as our other offerings.
4.3 We hold the right to limit your access to our Platform and services, including the right to suspend or terminate your account, should we find you in violation of these terms or misusing our Platform.
4.4 While we strive for continuous availability, we cannot guarantee uninterrupted access to our Platform, which may be affected by maintenance, upgrades, or network issues.
4.5 You are responsible for setting up your IT systems to access our Platform, and we cannot guarantee that our Platform will be bug-free or virus-free.
5. Account and Security
5.1 When creating an account on our Platform, you must furnish accurate, current, and complete information. It’s crucial to select a robust and secure password, which you should keep confidential.
5.2 You agree not to disclose your account details or allow others to access your account. Should we detect multiple users sharing an account, we may consider this a security breach and take appropriate action, including account suspension or termination.
5.3 We reserve the right to disable any password, whether chosen by you or assigned by us, if we reasonably believe you have violated these terms.
5.4 You are obliged to adhere to our Acceptable Use Policy, detailed at the end of these terms.
5.5 You bear responsibility for all activities conducted through your account unless you report misuse.
6. Platform Usage
6.1 You are required to adhere to all applicable laws and regulations in Singapore, including privacy and intellectual property laws, when using our Platform. Additionally, you agree to act in good faith when submitting any loan applications.
6.2 In exchange for providing us with relevant information for your use of our Platform, we grant you a limited, non-exclusive, revocable license to access and use our Platform. This license is solely for the purpose of enabling you to benefit from our Platform as intended by these terms.
6.3 Failure to comply with these terms or any additional terms we impose may result in the termination of your license to use our Platform.
6.4 You are prohibited from copying, modifying, or distributing any part of our Platform or its content.
7. Your Rights and Responsibilities
7.2 You are accountable for Your Content and any repercussions arising from its use by other users or third parties. We are not liable for the use of Your Content or any content submitted by other users.
7.3 You warrant that Your Content does not infringe upon the rights of third parties and that you possess the necessary authority to grant us the rights to Your Content under these terms.
7.4 If you believe your intellectual property rights have been violated, please contact us.
8. Our Intellectual Property
8.1 All intellectual property rights in the Platform and our services are either owned by us or legally licensed to us. You may not use any part of our Platform or its content for purposes not explicitly permitted by these terms.
8.2 We reserve the right to review and remove any user-submitted content that we deem inappropriate or potentially infringing upon third-party rights.
8.3 Our names, marks, and logos are our registered or unregistered trademarks and may not be used without our explicit written consent.
9. Third-Party Integrations
9.1 Our Platform may integrate with third-party software to enhance user experience. We are not liable for any issues arising from the use of such third-party software, which is governed by their respective terms of service.
10.1 We appreciate and welcome your feedback regarding our Platform. By providing feedback, you agree that we may use, modify, or incorporate it into our services without any obligation to compensate you.
11. Limitations of Liability
11.1 To the extent permitted by Singaporean law, we disclaim all liability for any indirect or consequential damages or losses related to your use of our Platform.
11.2 Our total liability to you is limited to the amount you have paid us for our services in the last twelve months, except where such limitations are prohibited by law.
12. Your Representations
12.1 By using our Platform, you affirm that you are of legal age (21 and above) and have the authority to enter into these terms, either as an individual or on behalf of an entity.
13.1 You agree to indemnify us against any liabilities, damages, or costs arising from your violation of these terms or misuse of our Platform.
14.1 These terms remain in effect until terminated by either party. You may deactivate your account at any time, and we reserve the right to suspend or terminate your account for violations of these terms.
15. Entire Agreement
15.1 These terms constitute the entire agreement between you and Loanstreet® concerning your use of our Platform.
16.1 These terms are governed by the laws of Singapore, and any disputes will be resolved through alternative dispute resolution methods or through the courts of Singapore.