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Terms & Conditions
For the purpose of these T&Cs, the terms defined in this Clause, and elsewhere in these T&Cs, will have the following meanings:
Borrower means a small and medium enterprise that is seeking a facility via Funding Societies’ platform;
Business Days means a day (other than a Saturday, Sunday, or gazette public holiday in Singapore) when commercial banks are open for business in the Republic of Singapore;
Funding Societies Account means an account in which a Lender will be required to place the principal amount;
Law means all applicable laws, rules, regulations, constitution, rulings, interpretations, customs, usages, protocols of governmental bodies and self-regulatory organisations of Singapore;
Lender means a corporate, institution or individual that will fund the facility to a Borrower;
Loan means a sum of money that has been lent by a Lender to a Borrower through the use of the Funding Societies platform;
Loan Request shall have the meaning specified in Clause [6.4] below;
Officer, in relation to Funding Societies means any director, officer, or employee of Funding Societies; and
T&C means these Terms and Conditions, as may be revised, amended or supplemented from time to time, which expression shall where the context so admits, include any one of them.

If there is any inconsistency between the provisions of these T&Cs and any agreement entered into by Funding Societies, the agreement shall prevail.
In these T&Cs, any reference to any legal entity or individual person includes, where appropriate, a reference to its authorised agents, delegates, successors or nominees. Expressions in the singular form include the plural and vice versa.
No rule of law (or interpretation to the effect) that an ambiguity in a document is to be construed against the party drafting or preparing such document shall apply in respect of these T&Cs.
Any reference to any law, statute or regulation or enactment shall include references to any statutory modification or re-enactment thereof, or to any regulation or order made under such law, statute or enactment (or under such a modification or re-enactment).
The headings used in these T&Cs are for convenience of reference only and are not to affect the construction of, or to be taken into consideration in, interpreting these T&Cs.

These T&Cs set out the T&Cs under which Funding Societies Pte Ltd (“Funding Societies”) will provide the services (“Services”) to you on (the “Website”). You agree that Funding Societies shall have sole and absolute discretion to determine whether the Services are to be provided by Funding Societies, and Funding Societies may refuse to provide any Services without giving any reason or incurring any liability to you as a result.
Funding Societies’ provision of Services shall be subject at all times to the Law and these T&Cs, and Funding Societies will not be liable as a result of any actions taken by any party to comply with the Law and these T&Cs.
Unless otherwise specified, the Services provided by Funding Societies may involve arranging for a Loan, or such other services as Funding Societies may introduce from time to time.

You understand, acknowledge and agree that Funding Societies does not and will not:
take a deposit;
take capital risk;
take a side in a lending agreement;
engage in activities regulated under the SFA;
provide credit rating services; or
provide custodial services.
You understand, acknowledge and agree that Funding Societies’ role is merely administrative in nature in arranging for Borrower to enter into a facility and such that Funding Societies is not regulated under the Monetary Authority of Singapore (“MAS”) and laws including but not limited to the Moneylenders Act, Finance Companies Act and others.
You understand, acknowledges and agree that Funding Societies does not and will not assume any advisory, fiduciary or similar or other duties or act as an investment adviser to you. You understand, acknowledge and agree that you have taken, or will take, the necessary independent legal, tax, financial or other advice before Funding Societies provides Services to you.

You hereby agree that Funding Societies may collect, store, process, disclose, access, review and/or use personal data (including sensitive personal data) about you, whether obtained from you or from other sources in accordance with the Personal Data Protection Act 2012. You further acknowledge and agree to the Personal Data Notice as described below.

Upon receipt of an application for Services, Funding Societies’ credit underwriters will conduct due diligence on the Borrower. During this process, Funding Societies may contact any relevant authorities, private companies, or individuals to ascertain, verify and confirm relevant information about the Borrower, including (but not limited to) its legal or credit history. The Borrower hereby gives Funding Societies its express permission to do so.
Unless Funding Societies is required by Law, or has received prior written permission from the Borrower, Funding Societies will not reveal or disclose documents provided by the Borrower to any third party.
Upon Funding Societies’ satisfaction of the due diligence results, Funding Societies will inform the Borrower of the proposed terms and conditions of the Services via Email.

Upon the Borrower’s consent to the proposed terms and conditions of the Services, the Borrower shall submit a loan request application, which will indicate the Required Sum (the “Loan Request”). For the avoidance of doubt, the submission of a Loan Request is deemed to be an affirmative consent by the Borrower to the proposed terms and conditions of the Services. 1 Activities regulated under the SFA include:
dealing in securities;
trading in futures contracts;
engaging in leveraged foreign exchange trading, advising on corporate finance;
engaging in fund management;
engaging in relate estate investment trust management; and
engaging in securities financing.
The Loan Request does not constitute an agreement by anyone to extend capital to the Borrower. It is only a request for a commit of funds to a Loan. For the avoidance of doubt, the Request is not an offer; it constitutes an invitation to treat.
The maximum facility amount that can be granted to the Borrower is the amount in the Loan Request.
Upon the Borrower’s issuance of the Loan Request, the Borrower agrees to enter into relevant agreements and any related documents for the Facility, if any, within the timeframe stipulated by Funding Societies. The herein Borrower agrees that failure to enter into the relevant agreement or any related documents on its part within such timeframe obligates the Borrower to pay a sum of the facility amount to Funding Societies, with such a penalty amount to be specified in a loan agreement to be signed by the parties to such a facility.

Repayment of the Loan, with interest, shall be payable on a periodic basis. Where the Borrower fails to repay, Funding Societies shall issue a notice to the Borrower within 7 business days of non-payments. In the event the Borrower fails to repay the third consecutive payment, the Borrower shall be declared default. In the event of default, Funding Societies will attempt to restructure the Borrower’s Loan repayment scheme and may enforce legal action in the process.
The Borrower is aware of, and agrees to pay all of, the relevant arrangement, miscellaneous fees to Funding Societies and/or any other relevant parties for arranging and papering of the facility and the relevant agreement. In addition, the Borrower agrees to pay for all penalty fees, handling fees for late payments, collection fees and any other fees due to Funding Societies as a result of activities Funding Societies undertakes as part of the Services.

Funding Societies may from time to time modify the Borrower’s data (“Modifications”) stored in the Website’s database. This may include, but is not limited to, updating the Borrower’s information, and uploading any additional documents pertaining to the Borrower’s data. The Borrower will be given fourteen (14) calendar days’ notice (the “Notice Period”) to approve or reject the Modifications. The Borrower shall be deemed to consent to the Modifications if no response is given to Funding Societies within the Notice Period.

The Borrower represents and warrants to Funding Societies that:
it is a Singapore-incorporated entity in good standing;
it is solvent, and there are no reasonable grounds to suspect that it is unable to pay its debts as and when they become due and payable;
it has the legal capacity to enter into, perform and deliver these T&Cs and to perform its obligations under these T&Cs and the relevant agreements. Furthermore, that Borrow has taken all necessary actions to authorise its entry into, performance and delivery of any obligations created under these T&Cs and the relevant agreements;
the obligations assumed by the Borrower in these T&Cs and the relevant agreements constitute the legal, valid, binding, and enforceable obligations of the Borrower;
any information provided by the Borrower to Funding Societies is true and accurate in all material respects on and as at the date it was provided or as at the date (if any) at which it is stated; and
there is no action, suit, or proceeding at law, equity, or before any court, tribunal, governmental body, agency or official or any arbitrator (whether pending or threatened) that is likely to affect the legality, validity or enforceability of these T&Cs or the relevant agreements, or affect the Borrower’s ability to perform its obligations.

The Borrower authorises Funding Societies to:
conduct credit checks on the Borrower;
obtain and verify any information about the Borrower as Funding Societies may, in its sole and absolute discretion, deem fit;
use all relevant sources, which Funding Societies may apply to, to provide any information which Funding Societies may require in connection with the facility;
disclose any information and/or data relating to the Borrower and its account(s), and/or credit cards (if any) to Funding Societies, or any other information as Funding Societies may deem necessary to:
any of the Borrower’s head office, representative and branch offices and/or any related company or associated company of the Borrower, in any jurisdiction;
any government or regulatory agency or authority;
any of the Borrower’s potential assignee or transferee or to any person who has or may enter into contractual relations with the Borrower in relation to the facility application;
any credit bureau, including members of such credit bureau;
any other third parties, service provider, agents or business partners (including, without limitation, credit reference or evaluation agencies) wherever situated for any purpose whatsoever; and
any other person to whom disclosure is permitted or required by the Law.

The Borrower agrees to indemnify Funding Societies and its Officers against all losses, taxes, expenses, costs, legal fees, and liabilities (present, future, contingent or otherwise on an indemnity basis), which may be suffered or incurred by Funding Societies as a result of or in connection with the Borrower’s breach of the T&Cs or the relevant agreements and/or any steps taken by Funding Societies’ in the event of a breach of these T&Cs or the relevant agreements.

Neither Funding Societies nor any of its Officers shall be liable in contract, tort (including negligence or breach of statutory duty) or otherwise, for (i) any loss of profit, business or revenue, (ii) any costs or expenses, or any special, indirect or consequential damages of any nature whatsoever, suffered or incurred by the Borrower as a result of or in connection with the provision of the Services.

No person has any right under the Contracts (Rights of Third Parties) Act (Cap. 53B) of Singapore to enforce any provision of these T&Cs.

It is a fundamental term of the relationship between the parties that the Borrower will perform its obligations on time.

A failure or delay in exercising any right, power or privilege in respect of these T&Cs will not be presumed to operate as a waiver, and a single or partial exercise of any right, power or privilege will not be presumed to preclude any subsequent or further exercise of that right, power or privilege or exercise of any other right, power or privilege.

Funding Societies may at any time, give the Borrower notice of any amendment, variation, revision, supplement or any other change to these T&Cs by post, Email or such other means as Funding Societies shall deem fit. Changes shall take place on and from the date specified in the notice or if no such date is specified, on and from the date of such notice. Without prejudice to the foregoing, the entry into or continued entry into the Services after such change shall be deemed as the Borrower’s acceptance and agreement to the same.

These T&Cs will be governed and construed in accordance with laws of Singapore.
With respect to any suit, action or proceedings (each, a “Proceeding”) relating to any dispute arising out of or in connection with these T&Cs, each party submits to the non-exclusive jurisdiction of the courts of Singapore.


From time to time, Funding Societies may collect from the following information and data:
personal data about the Borrower’s beneficial owners, partners, directors, officers or authorised signatories, employees, Borrowers, payors, payees, guarantors, other security providers, and other natural persons related to the Borrower (collectively all of the foregoing who are natural persons, “Relevant Individuals”). Such personal data may include names, identification particulars, date of birth, contact details and other relevant personal information; and
information and data generated in the ordinary course of the relationship with Funding Societies. Such personal data may include signatures, answers to questions intended for security verification, emergency contact numbers or call back contact details.
We collect information from or about the computers, phones, or other devices where you install or access our Services, depending on the permissions you’ve granted. We may associate the information we collect from your different devices, which helps us provide consistent Services across your devices. This includes, but are not limited to: 1.) Attributes such as the operating system, hardware version, device settings, file and software names and types, battery and signal strength, and device identifiers; 2.) Device locations, including specific geographic locations, such as through GPS, Bluetooth, or WiFi signals., 3.) Connection information such as the name of your mobile operator or ISP, browser type, language and time zone, mobile phone number and IP address.
We collect information about the people and groups you are connected to and how you interact with them, such as the people you communicate with the most. We also collect contact information you provide if you upload, sync or import this information (such as an address book) from a device.

Personal data of a Relevant Individual may be processed, kept, transferred or disclosed in accordance with the Personal Data Protection Act 2012.

Deemed Consent

The Borrower will be deemed to have consented (or obtained the consent of the Relevant Individuals) to the collection, use and disclosure of the above mentioned personal data of Relevant Individuals by the Borrower’s continued dealing, use of Funding Societies’ services, and/or acceptance of the terms and conditions contained herein.

All other parties, including the Lender, any guarantor or any institution providing escrow services to Funding Societies, agrees to the collection, use and disclosure of the personal data by such persons continued dealing, use of Funding Societies’ services, and/or acceptance of the terms and conditions contained herein.

Purposes for which Information is Used and Disclosed

Information and data may be used and disclosed, including to places in or outside Singapore for the following purposes (collectively, “Permitted Purposes”):
to make decisions relating to the arranging for the Borrower for facility and maintaining accurate “know your Borrower” information; and
to verify the identity or authority of representatives who contact Funding Societies, or may be contacted by Funding Societies, and to carry out or respond to requests, questions or instructions from verified representatives or other individuals pursuant to the current security procedures.
We conduct surveys and research, test features in development, and analyze the information we have to evaluate and improve products and services, develop new products or features, and conduct audits, reviews and troubleshooting activities.

Personal data may be disclosed, where permitted by applicable law, to the entities (inside or outside Singapore) below (please note this is not an exhaustive list) for the Permitted Purposes or for processing in accordance with any Permitted Purposes on a need to know basis:
any agent, contractor, or third party services provider who provides banking, remittance, administrative, mailing, telecommunications, call centres, business process, travel, visa, knowledge management, human resource, data processing, information technology, computer, payment, debt collection, credit reference checks or securities clearing or other services to Funding Societies in connection with the operation of business of Funding Societies;
any person or entity which is part of Funding Societies and is under a duty of confidentiality to the disclosing Funding Societies entity although only to the extent necessary to fulfil the relevant Permitted Purposes;
any person or entity to whom Funding Societies is under and obligation or otherwise required to make disclosure pursuant to legal process, or any other foreign or domestic legal and/or regulatory obligation, including disclosure to courts, tribunals, and/or legal, regulatory, tax and government authorities;
any actual or proposed assignee of Funding Societies or transferee of Funding Societies’ rights in respect of Borrower, or all or any part of the assets or business of Funding Societies; or
any party giving or proposing to give a guarantee or third party security to guarantee or secure the obligations of the Borrower.