IMPORTANT – PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEBSITE AND/OR USING THE ONLINE SERVICES, YOU AGREE TO BE BOUND BY THE FOLLOWING TERMS AND CONDITIONS. IF YOU DO NOT ACCEPT ANY OF THESE TERMS OR CONDITIONS, YOU MUST IMMEDIATELY DISCONTINUE YOUR ACCESS OF THIS WEBSITE AND/OR USE OF THE ONLINE SERVICES.
You understand and agree that your use of the Website is at your own risks and we shall not be responsible or liable to you for any expenses, losses, costs damages, liabilities or other consequences of whatsoever nature (collectively “Losses”) suffered or incurred directly or indirectly by you, including without limitation, any Losses suffered or incurred directly or indirectly by you arising from or in connection with or caused by:
Loan Application & in-principal-approval of loan
In-principal-approval does not constitute a guaranteed approval in your loan. Golden Credit reserves the right to lower the loan amount applied for or reject the loan at our sole discretion.
When you apply for a loan or using our online services you confirm that all the information you have given is true and complete.
Personal information you provide to us through online services / applying a loan services.
You authorise us to do a relevant Credit Bureau Check or 3rd party check & provide necessary information to third parties who provide services to Golden Credit in connection with the provision of the services which you have sought from Golden Credit.
We may be required from time to time to disclose your personal information to Governmental or judicial bodies or agencies or our regulators, but we will only do so under proper authority.
Overdue & outstanding loan
You authorise us if outstanding loan overdue & not settled with Golden Credit, Golden Credit have the right to engage a external debt collector to recover the money & others means to recover the money.
Continued failure to repay a loan will also mean credit reference agencies (CRAs) will record the outstanding debt. This information may be supplied to other organisations by CRAs and fraud protection agencies to perform similar checks and to trace your whereabouts and recover debts that you owe.
Records remain on file for seven years after they are closed, whether settled by you or defaulted.
Finally, your trust rating will be hit hard and you probably won’t be able to borrow again.
None of these things are worth risking, so if you have doubts about whether you’ll be able to comfortably repay a loan, please don’t apply in the first place.
Collection of Personal Information
Your visit to this site may be recorded for analysis on the number of visitors to the site and general usage patterns.
Marketing Promotions of your personal information we collected from this site.
Such information collected from individuals who voluntarily provide us with their personal information.
We may use this information to advise them of services and other marketing materials, which we think, may be of interest to them.
If you do wish to receive email or promotional sms, you will always have an opportunity to opt-out.
Please contact our Customer Service Hotline. We will then, at no cost to you, act on your request within 14 days and ensure that you are not included in the marketing promotions.
If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention authorities.
Law enforcement authorities may access and use this information.
These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of Singapore.
By accessing this website and/or using the online services, you agree that such access and/or use, as well as these Terms and Conditions of Access shall be governed by, and construed in accordance with, the laws of Singapore and you agree to submit to the non-exclusive jurisdiction of the Singapore courts.
Credit Bureau Check Refer to :-
1. Credit Bureau Singapore, Dun & Bradstreet (Singapore) Pte Ltd.
2. Quest net , DP Information Group
Fraud prevention authorities refer to:
The Police Force, CPIB or Government Authorities of Singapore.
3rd parties refer to :- such as www.sml999.com , www.moneylenders.com.sg.
Golden Credit reserves the right, at its sole discretion, to change, modify, add or remove any part (terms & conditions ) of this site in whole or in part, at any time.