Thank you for visiting the MortgageKaki.com website (henceforth known as “Web Site”). By accessing and using this Web Site, you shall be deemed to have accepted to be legally bound by these Terms of Use. If you do not agree to these Terms of Use, please do not use this Web Site.
General
These Terms of Use may be changed from time to time. Changes will be posted on this page and your use of this Web Site after such changes have been posted will constitute your agreement to the modified Terms of Use and all of the changes.
Proprietary Rights
This Web Site is maintained by the The Three Top Pte Ltd.
The materials located on this Web Site including the information and software programs (the Contents), are protected by copyright, trademark and other forms of proprietary rights. All rights, title and interest in the Contents are owned by, licensed to or controlled by The Three Top Pte Ltd.
Restrictions on use of Materials
Except as otherwise provided, the Contents of this Web Site shall not be reproduced, republished, uploaded, posted, transmitted or otherwise distributed in any way, without the prior written permission of the The Three Top Pte Ltd.
Modification of any of the Contents or use of the Contents for any other purpose will be a violation of the The Three Top Pte Ltd ‘s copyright and other intellectual property rights. Graphics and images on this Web Site are protected by copyright and may not be reproduced or appropriated in any manner without written permission of the The Three Top Pte Ltd.
Disclaimer of Warranties and Liability
The Contents of this Web Site are provided on an “as is” basis without warranties of any kind. To the fullest extent permitted by law, the The Three Top Pte Ltd does not warrant and hereby disclaims any warranty:
as to the accuracy, correctness, reliability, timeliness, non-infringement, title, merchantability or fitness for any particular purpose of the Contents of this Web Site;
that the Contents available through this Web Site or any functions associated therewith will be uninterrupted or error-free, or that defects will be corrected or that this Web Site and the server is and will be free of all viruses and/or other harmful elements.
The Three Top Pte Ltd shall also not be liable for any damage or loss of any kind caused as a result (direct or indirect) of the use of the Web Site, including but not limited to any damage or loss suffered as a result of reliance on the Contents contained in or available from the Web Site.
From time to time, MortgageKaki.com might have not received the latest rates updates from banks, and henceforth the rates available on website might not be the most updated. User has to check with the a MortgageKaki.com representative.
Loan approval standards are established and maintained solely by individual banks. MortageKaki does not guarantee that the loan terms or rates offered and made available by banks are the best terms or lowest rates available in the market.
From time to time, banks might end the loan package early, and henceforth the rates on website might not be the most updated package. User has to check with the a MortgageKaki.com representative.
The data and other information you may provide MortageKaki.com does not guarantee acceptance into any particular loan packagage with any bank or specific loan terms or conditions with any bank.
A bank’s offer may be subject to market conditions, individual credit ratings, and income qualifications and others. The bank rates and fees provided by banks might be higher or lower depending on your complete credit profile, collateral/property considerations including but not limited to location, equity and value and income/asset consideration including but not limited to loan to value and debt to income ratios.
MortgageKaki.com is paid a fee by the banks for the goods, facilities and services provided.
Regardless of which lender you obtain your loan from, you will be responsible for paying for any settlement or closing costs associated with your loan (such as legal fees, loan processing, fire insurance, underwriting, or funding fees, title insurance premiums, notary fees, etc.).
MortgageKaki.com does not charge you a fee for its service in matching you with bankers unless otherwise stated.
All effort is taken to derive the most accurate interest and payment calculations, however, the information is provided for estimation purposes only and should not be considered as 100% accurate.
We try to include the most comprehensive online database of mortgage and home loan packages, however, not all of the bank loan packages may be included in MortgageKaki.com.
Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement.
Right of Access
The Three Top Pte Ltd reserves all rights to deny or restrict access to this Web Site to any particular person, or to block access from a particular Internet address to this Web Site, at any time, without ascribing any reasons whatsoever.
Links from this Web Site to other web sites
This Web Site contains hyperlinks to web sites which are not maintained by the The Three Top Pte td. The Three Top Pte Ltd is not responsible for the contents of those web sites and shall not be liable for any damages or loss arising from access to those web sites. Use of the hyperlinks and access to such web sites are entirely at your own risk.
Hyperlinks to other web sites are provided as a convenience. In no circumstances shall the The Three Top Pte Ltd be considered to be associated or affiliated with any trade or service marks, logos, insignia or other devices used or appearing on web sites to which this Web Site is linked.
Links to this Web Site from other web sites
Except as set forth below, caching and links to, and the framing of this Web Site or any of the Contents are prohibited.
You must secure permission from The Three Top Ptd Ltd prior to hyperlinking to, or framing, this Web Site or any of the Contents, or engaging in similar activities. The Three Top Ptd Ltd reserves the right to impose conditions when permitting any hyperlinking to, or framing of this Web Site or any of the Contents.
Your linking to, or framing any part of this Web Site or its Contents constitute acceptance of these Terms of Use. This is deemed to be the case even after the posting of any changes or modifications to these Terms of Use. If you do not accept these Terms of Use, you must discontinue linking to, or framing of this Web Site or any of the Contents.
In no circumstances shall The Three Top Ptd Ltd be considered to be associated or affiliated in whatever manner with any trade or service marks, logos, insignia or other devices used or appearing on web sites that link to this Web Site or any of the Contents.
The Three Top Ptd Ltd reserves all rights to disable any links to, or frames of any site containing inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topics, names, material or information, or material or information that violates any written law, any applicable intellectual property, proprietary, privacy or publicity rights.
The Three Top Pte Ltd reserves the right to disable any unauthorised links or frames and disclaims any responsibility for the content available on any other site reached by links to or from this Web Site or any of the Contents.
Governing Law
These Terms of Use shall be governed and construed in accordance with laws of the Republic of Singapore.
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