HappyHomeLoan Terms of Use

Please review this Terms of Use Agreement
HappyHomeLoan respects the privacy of our consumer users and has developed this Privacy Policy to demonstrate its commitment to protecting your privacy.
As an individual who is a user of our website or otherwise as a user of the services provided by HappyHomeLoan, this Privacy Policy is intended to describe for you:

By accessing, browsing or using this website, and the websites of the below listed companies, divisions or service groups, or any page thereof, 
through any direct or indirect means (individually or collectively, "Websites" or "Website"), or by using the goods, 
facilities or services offered in or through the Websites through alternative methods (including, for example, telephone, mail, 
email or facsimile), you accept and agree to be bound by these Terms of Use (the terms "Website" and "Websites" include use through 
these alternative methods).

If you do not agree to these terms and conditions, you are not authorized to access or use the Websites and you are to cease accessing or otherwise using the Websites.

HappyHomeLoan operates the Websites and shall have the right at any time to change or discontinue any aspect or feature of the 
Websites and the right to modify the terms and conditions applicable to users of the Websites, including these Terms of Use, or any 
part hereof. Such changes, modification, additions or deletions shall be effective immediately upon posting on the Websites. Any use 
by you of the Websites or the good, facilities or services offered in or through the Websites shall be deemed to constitute acceptance 
of such changes.

The data and other information you may provide HappyHomeLoan 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. HappyHomeLoan does not guarantee acceptance into any particular loan program 
or specific loan terms or conditions with any Lender; loan approval standards are established and maintained solely by individual Lenders.
Likewise, HappyHomeLoan does not guarantee that the loan terms or rates offered and made available by Lenders are the best terms or 
lowest rates available in the market. A Lender's offer may be subject to market conditions, approval and qualification. 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. Unless expressly stated in writing, nothing contained herein shall constitute an offer or 
promise for a loan commitment or interest rate lock-in agreement.

HappyHomeLoan is paid a fee by Lenders 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 loan 
processing, underwriting, or funding fees, title insurance premiums, notary fees, etc.).

HappyHomeLoan does not charge you a fee for its service in matching you with Lenders 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. For more accurate details regarding the schemes, please 
speak to a HappyHomeLoan Mortgage Specialist.

We try to include the most comprehensive online database of mortgage and home loan packages, however, not all of the lenders packages 
may be included in HappyHomeLoan.

All copyrights are held by Unity System Solutions Pte. Ltd., any attempts to copy or reproduce any portion of this site 
(including information, styles, graphics, scripts) in part or in whole is protected by the copyright law. Anyone found in violation will 
be prosecuted to the fullest extent of the law.

Now that we’re done with the formalities, thank you for using HappyHomeLoan.com.sg and we hope you find it useful!