Terms Of Service Agreement

This agreement (the “Agreement”) applies to users of SAOLA TECH SOLUTIONS PTE. LTD. (“Saola”, “we”, “us”, “our”) services within Singapore, including users of Saola’s apps, websites, features, or other services (the “Customers”, “you”, “your”).
The Agreement provides information about your use and/or access to Saola’s apps, websites, features, or other services (“services”).
Your access to and use of services is conditioned on your acceptance of and compliance with this Agreement. Your using the services constitutes your agreement to all the terms, conditions, and notices contained in this Agreement.
It is your responsibility to ensure that you have read and understood this Agreement and any accompanying risks, obligations and responsibilities.
By accessing and using any part of services, you unconditionally agree and accept to be bound by this Agreement. If you do not accept or do not agree to be bound by this Agreement, please discontinue your access to services and do not use services.
Each of the provisions of this Agreement is severable from the other. If any such provision or part thereof is or becomes invalid, unenforceable, or illegal in any respect, such provision or part thereof shall, to the extent that such term is invalid, be deemed not to form part of this Agreement but the validity, enforceability or legality of the remaining provisions hereunder shall not in any way be affected or impaired thereby.


The services are owned and operated by Saola.
The materials located on Saola’s websites and apps (collectively known as the “Contents”) or any part thereof, including but not limited to information, logos, text, graphics, images, photographs, music, sound recordings, scripts, software programs, technology, designs, data compilations, and other works are protected by copyright and other forms of intellectual property rights. All titles to and rights and interest in the Contents are owned by Saola.


By using and/or accessing Saola’s services, you acknowledge that you have read and agree to our Privacy Policy, which forms a part of this Agreement, and you consent to our collection, use and/or disclosure or handling of your Personal Data for the purposes set out in the Privacy Policy.


Except as otherwise provided, the Contents of Saola’s websites and apps shall not be reproduced, republished, uploaded, posted, transmitted, or otherwise distributed in any way without the prior written permission of Saola.
Modification of any of the Contents or use of the Contents for any other purpose will be a violation of Saola’s copyright and other intellectual property rights. Graphics and images on Saola’s websites and apps are protected by copyright and may not be reproduced or appropriated in any manner without the written permission of their respective copyright owners.
In carrying out any transactions with us on or in relation to the services or registering an account with us on Saola’s websites and apps, you warrant that:
  • you are above 18 years of age;
  • you are using your actual identity;
  • the personal data that you have provided to us are true, accurate, complete, and current.
  • Notwithstanding any other rights or restrictions in this Agreement, you may not use Saola’s websites and apps to:
  • introduce viruses, worms, Trojan horses and/or harmful code;
  • obtain unauthorized access to any computer system;
  • invade the privacy or violate any personal or proprietary right (including intellectual property rights) of any person or entity;
  • tamper with or obtain access to Saola’s websites and apps or other services;
  • conduct fraudulent activities.
The data and other information you may provide Saola is not, and is not treated as, an application for a loan or a request to be pre-approved, pre-qualified, or any similar concept. Saola does not guarantee acceptance into any particular loan program or specific loan terms or conditions with any Lender.
The rates and fees actually provided by Lenders may 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.
Saola’s websites and apps may contain links to third party websites that are not affiliated with or owned, operated, or controlled by us, including third party payment system providers. You acknowledge and agree that we are not responsible for the content, privacy policies, or practices of third-party websites or the companies that own them. By using the services, you expressly relieve us from any and all liability arising from your access and use of any third-party website.


Saola reserves all rights to deny or restrict access to the services to any particular person or to block access from a particular Internet address to the services, at any time, without ascribing any reasons whatsoever.
Saola may at any time suspend the operation of websites and apps or all or the Contents or any part thereof for any period of time without any prior notice, whether for the purposes of website updating and upgrading, system maintenance, or otherwise.


Saola may amend this Agreement from time to time without prior notice. The amended Agreement will be posted on Saola’s websites and apps, and upon accessing or using this Saola’s websites and apps after the amended Agreement have been posted, you shall be deemed to have accepted and agreed to be bound by the amended Agreement. All references in Saola’s websites and apps to “Agreement” shall mean this Agreement as amended from time to time and posted on Saola’s websites and apps.


The Contents are provided without warranties of any kind. To the fullest extent permitted by law, Saola does not warrant and hereby disclaims any warranty:
  • as to the accuracy, correctness, completeness, reliability, timeliness, non-infringement, or fitness for any particular purpose of the Contents;
  • that the Contents, or any functions of or available through Saola, will be error-free or available without delay or interruption, or that defects will be corrected, or that Saola and the server hosting Saola are and will remain free of all viruses and/or other harmful elements.
Saola shall also not be liable for any damage, loss, or liability of any kind (whether actual, anticipated, consequential, special, economic, or otherwise) caused as a result (direct or indirect) of the use of, or inability to access or use, Saola, including but not limited to any damage, loss or liability suffered as a result of reliance on the Contents.
You expressly agree that your use and/or access to the services is at your sole risk.


You hereby agree to indemnify Saola and hold Saola harmless from and against any and all claims, losses, liabilities, costs, and expenses (including but not limited to legal costs and expenses on a full indemnity basis) made against or suffered or incurred by Saola arising directly or indirectly out of:
  • your access to or use services and the Contents or any part thereof, as the case may be;
  • your breach of any of this Agreement.


This Agreement shall be governed and construed by Singapore law.