1. COMPANY INFORMATION

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JC MORTGAGE ADVISORY PTE. LTD.

UEN: 202529070Z

114 Lavender Street, #01-62, CT Hub 2, Singapore 338729

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2. DEFINITIONS

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“Company”, “we”, “us” or “our” refers to JC MORTGAGE ADVISORY PTE. LTD.

“You”, “Your” or “User” refers to any person accessing or using the Website or Services.

“Services” refers to mortgage advisory, home loan comparison, refinancing advisory, commercial loan advisory,

insurance referral services and related consultation services provided by the Company.

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3. NATURE OF SERVICES

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The Company is a mortgage advisory business operating in Singapore. We assist Users in comparing and

understanding mortgage financing products offered by banks and financial institutions.

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Our Services may include: Home loan advisory Mortgage refinancing advisory Commercial property loan advisory

Loan comparison assistance Insurance referrals General mortgage consultation services The Company is not a

bank, lender or insurer. All mortgage approvals, financing terms, interest rates and credit decisions are

determined solely by the relevant Financial Institution.

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The Company may receive referral fees, commissions or other compensation from Financial Institutions when

Users successfully obtain products or services through referrals made by the Company.

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4. NO FINANCIAL OR LEGAL ADVICE

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All information provided on the Website is for general informational purposes only and does not constitute:

financial advice; legal advice; tax advice; or investment advice. You should independently evaluate all financing

options and seek professional advice where necessary before making any financial decision.

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The Company does not guarantee: loan approval; refinancing savings; lowest market rates; eligibility for any

product; or suitability of any financial product.

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5. USER ELIGIBILITY

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By using the Website or Services, You represent and warrant that: You are at least eighteen (18) years old; You

possess legal capacity to enter into binding agreements; All information submitted by You is true, accurate and

complete; and You will comply with all applicable laws and regulations. 

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6. USER OBLIGATIONS

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You agree that You shall not: use the Website for unlawful or fraudulent purposes; submit false or misleading

information; attempt to gain unauthorized access to the Website or servers; interfere with the operation or security

of the Website; copy, reproduce or distribute Website content without written permission; or use the Website in

any manner that may damage the Company’s reputation or operations.

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7. PERSONAL DATA AND PRIVACY

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By submitting information through the Website, You consent to the collection, use, processing and disclosure of

Your personal data by the Company for purposes including: responding to enquiries; mortgage assessment and

advisory; loan comparison; referrals to Financial Institutions; insurance referrals; customer support; and

compliance with legal obligations.

 

The Company may collect information including but not limited to: name;

contact number; email address; property information; loan requirements; and income range. The Company may

disclose Your information to banks, lenders, insurers and Financial Institutions for the purpose of evaluating or

processing Your financing or insurance enquiries.

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8. THIRD-PARTY SERVICES

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The Website may contain links to third-party websites or services. The Company is not responsible for: the

content of third-party websites; products or services offered by third parties; accuracy of third-party information; or

any losses arising from dealings with third parties. Your dealings with Financial Institutions are solely between You

and the respective Financial Institution.

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9. INTELLECTUAL PROPERTY

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All content on the Website, including text, graphics, logos, branding, layouts and materials, are owned by or

licensed to the Company and protected under applicable intellectual property laws.

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You may not reproduce, distribute, modify or commercially exploit any content without prior written consent from

the Company.

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10. DISCLAIMERS

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The Website and Services are provided on an “as is” and “as available” basis.

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To the fullest extent permitted by law, the Company makes no representations or warranties regarding: accuracy;

completeness; reliability; availability; security; or suitability of the Website or Services. Interest rates, financing

packages and lending criteria are subject to change by Financial Institutions without notice.

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11. LIMITATION OF LIABILITY

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To the fullest extent permitted under Singapore law, the Company shall not be liable for any: indirect losses;

consequential losses; loss of profits; loss of opportunity; business interruption; loss of data; or reputational

damage. The Company’s total aggregate liability shall not exceed SGD 100.

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12. INDEMNITY

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You agree to indemnify and hold harmless the Company, its directors, employees and affiliates from and against

all claims, liabilities, losses, damages and expenses arising from: Your use of the Website or Services; Your

breach of these Terms of Use; Your violation of applicable laws; or Your infringement of third-party rights.

 

13.SUSPENSION OR TERMINATION

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The Company reserves the right to suspend or terminate access to the Website or Services at its sole discretion

without prior notice.

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14. FORCE MAJEURE

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The Company shall not be liable for any delay or failure to perform obligations arising from events beyond its

reasonable control.

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15. GOVERNING LAW

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These Terms of Use shall be governed by and construed in accordance with the laws of Singapore.

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You agree to submit to the exclusive jurisdiction of the Courts of Singapore.

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16. CONTACT US

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JC MORTGAGE ADVISORY PTE. LTD.

114 Lavender Street, #01-62, CT Hub 2, Singapore 338729

Email: admin@jcmortgage.com.sg

Website: www.jcmortgage.com.sg