Terms & Conditions
Welcome to EMVERTEX CREDIT’s Website (“the Site”), located at emvertexcredit.com.
By accessing or using the Site, you agree to comply with these Terms and Conditions. If you do not agree, please refrain from using the Site.
1. Definitions
1.1 “Client,” “You,” and “Your”: Refer to any individual accessing or using this Site, whether as a visitor or a registered user.
1.2 “Company,” “We,” “Us,” and “Our”: Refer to EMVERTEX CREDIT Pte Ltd, a licensed moneylender operating in Singapore.
1.3 “Services”: Refer to the loan products and other financial services offered by EMVERTEX CREDIT through its website or physical office.
1.4 “Content”: Refers to all materials on this Site, including text, graphics, logos, images, videos, and software.
2. Acceptance of Terms
2.1 By using this Site, you confirm that you have read, understood, and agreed to these Terms.
2.2 If you do not agree to these Terms, you must cease using the Site immediately.
3. Website Use
3.1 The Site is intended for users aged 21 and above. By accessing the Site, you confirm that you meet this age requirement.
3.2 You agree to use the Site only for lawful purposes and in compliance with these Terms.
3.3 Prohibited activities include, but are not limited to:
3.3.1 Using the Site for fraudulent or illegal activities.
3.3.2 Attempting to gain unauthorized access to any part of the Site or its related systems.
3.3.3 Uploading or transmitting viruses, malware, or harmful software.
3.3.4 Misrepresenting your identity or providing false information.
4. Loan Application and Services
4.1 Online Application:
4.1.1 The Site allows you to submit inquiries and applications for loan products.
4.1.2 Submission of an application does not guarantee approval. Approval is subject to our internal assessment, verification of submitted information, and compliance with legal and regulatory requirements.
4.2 Eligibility Criteria:
4.2.1 Borrowers must meet the age, income, and residency requirements specified in the loan agreement.
4.2.2 Required documents include, but are not limited to: proof of identity, proof of residence, proof of income, and bank statements.
4.3 Loan Terms:
4.3.1 Approved loans will be governed by a separate loan agreement, which outlines the repayment schedule, interest rates, fees, and penalties.
4.3.2 Borrowers are responsible for reviewing the loan agreement before signing.
5. Privacy Policy
5.1 All personal data collected through the Site is handled in accordance with our Privacy Policy.
5.2 By using the Site, you consent to the collection, use, and disclosure of your data as described in the Privacy Policy.
6. Intellectual Property Rights
6.1 All Content on the Site, including text, graphics, logos, and software, is the intellectual property of EMVERTEX CREDIT Pte Ltd or its licensors.
6.2 Copyright Notice:
6.2.1 Unless explicitly stated otherwise, all copyrights related to the Site and its Content are owned by EMVERTEX CREDIT Pte Ltd.
6.2.2 Unauthorized use of copyrighted materials without prior written consent is strictly prohibited.
6.3 User License for Content Access:
6.3.1 Users are granted a limited, non-exclusive, and revocable license to:
6.3.2 Access and view the Content for personal, non-commercial use.
6.3.3 Download or print materials for personal reference, provided no modifications are made.
This license does not transfer any ownership rights to users.
6.4 Prohibited Uses:
6.4.1 Users may not:
6.4.1.1 Copy, reproduce, modify, or distribute any Content for commercial purposes without prior written consent from EMVERTEX CREDIT Pte Ltd.
6.4.1.2 Frame or mirror any part of the Site or its Content without express authorization.
6.4.1.3 Use any of our trademarks, logos, or proprietary content in a manner that misrepresents sponsorship, affiliation, or endorsement.
6.5 Reservation of Rights:
6.5.1 EMVERTEX CREDIT Pte Ltd reserves all rights not expressly granted under these Terms.
7. Hyperlinking to Our Content
7.1 The following organizations may link to our website without prior written approval:
7.1.1 Government agencies.
7.1.2 Search engines.
7.1.3 News organizations.
7.1.4Online directory distributors in the same manner as they hyperlink to other listed businesses.
7.1.5 Accredited businesses (except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups).
7.2 Links to our website must comply with the following conditions:
7.2.1 They must not be misleading or deceptive.
7.2.2 They must not falsely imply sponsorship, endorsement, or approval by EMVERTEX CREDIT.
7.2.3 They must fit within the context of the linking party’s website.
7.3 We reserve the right to request the removal of any hyperlink to our website that does not comply with these terms.
7.4 If you wish to link to our website and your organization is not automatically authorized under clause 7.1, please send a request to [email protected] with the following details:
7.4.1 Your organization name and contact information.
7.4.2 The URLs you intend to link from and to.
7.4.3 A description of your website’s purpose.
7.5 Approved links may use the following:
7.5.1 The Company’s name: EMVERTEX CREDIT Pte Ltd.
7.5.2 The uniform resource locator (URL) of the content being linked.
7.5.3 Any other description that fits within the context of the linking party’s content.
7.6 No use of EMVERTEX CREDIT’s logo or other artwork is permitted for linking without a trademark license agreement.
8. User-Generated Content
8.1 Certain areas of the Site may allow users to post and exchange opinions, comments, or other forms of user-generated content (“Content”). By submitting Content, you agree to comply with the following:
8.1.1 You must have the necessary rights, licenses, or permissions to post such Content.
8.1.2 Your Content must not infringe any intellectual property, privacy, or other rights of third parties.
8.1.3 Your Content must not contain defamatory, libelous, offensive, obscene, or otherwise unlawful material.
8.2 Prohibited Uses of User-Generated Content:
8.2.1Content must not solicit or promote any business or commercial activities outside the Site’s intended use.
8.2.1 Content must not include spam, phishing links, malware, or any material that disrupts or harms the Site.
8.3 Moderation and Monitoring:
8.3.1 While we do not pre-screen Content, EMVERTEX CREDIT reserves the right to monitor, edit, or remove any Content that violates these Terms or is deemed inappropriate.
8.3.2 We are not responsible for the opinions, views, or accuracy of Content posted by users.
8.4 Liability for User-Generated Content:
8.4.1 You are solely responsible for the Content you post and any consequences resulting from your submissions.
8.4.2 To the fullest extent permitted by law, EMVERTEX CREDIT disclaims any liability arising from user-generated Content.
8.5 Grant of License:
8.5.1 By submitting Content, you grant EMVERTEX CREDIT a non-exclusive, royalty-free, perpetual, irrevocable, and worldwide license to use, reproduce, edit, distribute, and display your Content in connection with the operation and promotion of the Site.
8.5.2 This license includes the right to sublicense these rights to third parties if necessary for the Site’s operation or legal compliance.
8.6 User Warranties:
8.6.1 You warrant that you own or have the necessary rights and permissions to grant the above license.
8.6.2 You further warrant that your Content does not infringe any third-party intellectual property rights or violate applicable laws.
9. Disclaimers
9.1 No Financial Advice: The information on this Site is provided for general informational purposes only and should not be considered as financial advice.
9.2 The Site and its Content are provided “as is” and “as available” without warranties of any kind, whether express or implied.
9.3 To the fullest extent permitted by law, EMVERTEX CREDIT disclaims all warranties, including but not limited to:
9.3.1 The accuracy, completeness, or reliability of the Site’s Content.
9.3.2 The uninterrupted or error-free operation of the Site.
9.3.3 The suitability of the Site’s Content for any particular purpose.
9.4 We are not liable for any damages or losses arising from the use of the Site, including but not limited to indirect, incidental, or consequential damages.
10. Reservation of Rights
10.1 We reserve the right to:
10.1.1 Modify, suspend, or terminate the Site or its Content at any time without prior notice.
10.1.2 Restrict access to certain parts or all of the Site at our discretion.
10.1.3 Update these Terms periodically, with changes taking effect immediately upon posting.
10.2 Your continued use of the Site after any updates to these Terms constitutes acceptance of the revised Terms.
11. Limitation of Liability
11.1 To the fullest extent permitted by law, EMVERTEX CREDIT shall not be liable for:
11.1.1 Losses or damages resulting from the use of or reliance on the Site.
11.1.2 Unauthorized access to your data due to malicious actions.
11.1.3 Technical issues or disruptions affecting the availability of the Site.
12. Governing Law and Jurisdiction
12.1 These Terms are governed by the laws of Singapore.
12.2 Any disputes arising from these Terms or your use of the Site shall be resolved exclusively in the courts of Singapore.