Terms of Service

• "Platform" refers to the InterestRates.sg website and all related services
• "User" or "You" refers to any individual or entity accessing our platform
• "Services" refers to all features, tools, and content provided through our platform
• "Financial Institutions" refers to banks, lenders, and other financial service providers
• "Content" refers to all information, data, text, graphics, and materials on our platform

These Terms of Service constitute a legally binding agreement between you and InterestRates.sg. By using our platform, you confirm that:

• You have read and understood these terms
• You agree to be bound by these terms and our Privacy Policy
• You are at least 18 years old or have parental consent
• You have the legal capacity to enter into this agreement
• Your use of our services complies with applicable laws

Our Platform Provides

• Rate Comparisons: Real-time comparison of interest rates across financial institutions
• Product Information: Details about banking products, terms, and conditions
• Calculators: Financial calculation tools for loans, deposits, and investments
• Educational Content: Guides, articles, and resources about financial products
• Application Services: Facilitation of applications to financial institutions

Service Limitations

• We are a comparison platform, not a financial institution
• We do not guarantee approval for any financial products
• Final terms and conditions are determined by financial institutions
• Service availability may vary and is subject to change

Permitted Uses

• Use our platform for personal, non-commercial purposes
• Provide accurate and truthful information
• Comply with all applicable laws and regulations
• Respect intellectual property rights
• Use our services in good faith

Prohibited Activities

• Fraudulent Use: Providing false information or impersonating others
• Commercial Exploitation: Using our data for commercial purposes without permission
• System Interference: Attempting to disrupt or hack our platform
• Data Scraping: Automated extraction of data without authorization
• Spam or Abuse: Sending unsolicited communications or abusive content
• Illegal Activities: Using our platform for any unlawful purposes

No Financial Advice

• Our content is educational and informational only
• We do not provide personalized financial advice
• Consult qualified financial advisors for specific guidance
• We are not responsible for financial decisions based on our information

Data Accuracy

• We strive for accuracy but cannot guarantee error-free information
• Interest rates and terms change frequently
• Always verify current information with financial institutions
• We are not liable for decisions based on outdated information

Third-Party Services

• We facilitate connections to financial institutions but are not responsible for their services
• Application approval and terms are determined solely by financial institutions
• We do not control third-party websites or services linked from our platform
• Your relationship with financial institutions is independent of our services

Our Rights

• All content, features, and functionality are owned by InterestRates.sg
• Our trademarks, logos, and branding are protected intellectual property
• Users may not reproduce, distribute, or create derivative works without permission
• We reserve all rights not expressly granted to users

User Content

• You retain ownership of content you submit to our platform
• You grant us a license to use, display, and distribute your content
• You represent that you have the right to grant such licenses
• We may remove user content that violates these terms

Your privacy is important to us. Our collection, use, and protection of your personal data is governed by our Privacy Policy, which is incorporated into these terms by reference.

By using our services, you consent to our privacy practices as described in our Privacy Policy. Please review our Privacy Policy to understand how we handle your information.

To the maximum extent permitted by Singapore law, InterestRates.sg and its affiliates, directors, employees, and agents shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, revenue, data, or business opportunities
• Errors, omissions, or inaccuracies in information provided
• Actions or decisions made by financial institutions
• Technical issues, interruptions, or service unavailability
• Loss or damage resulting from third-party services

Our total liability for any claims arising from these terms or your use of our services shall not exceed SGD $100 or the amount you paid for our services, whichever is greater.

You agree to indemnify, defend, and hold harmless InterestRates.sg and its affiliates from any claims, liabilities, damages, losses, costs, or expenses arising from:

• Your violation of these Terms of Service
• Your use of our platform in violation of applicable laws
• Content you submit or actions you take on our platform
• Your relationships with financial institutions facilitated through our platform
• Any breach of representations or warranties made by you

We reserve the right to modify these Terms of Service at any time. When we make changes:

• We will update the "Effective Date" at the top of this page
• Material changes will be communicated via email or platform notifications
• Continued use of our platform after changes constitutes acceptance
• If you disagree with changes, you must stop using our services

By You

You may stop using our services at any time. Termination does not relieve you of obligations incurred prior to termination.

By Us

We may suspend or terminate your access to our platform at any time, with or without cause, including for violations of these terms.

Effect of Termination

• Your right to use our platform immediately ceases
• Sections regarding liability, indemnification, and governing law survive termination
• We may retain certain information as required by law or our privacy policy

These Terms of Service are governed by the laws of Singapore. Any disputes arising from these terms or your use of our platform shall be subject to the exclusive jurisdiction of the Singapore courts.

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.