Terms of Use

1. About these terms

These terms govern your use of kapvoy.sg and any financing advisory service provided by KAPVOY Advisory (“KAPVOY”, “we”, “us”). By using this site or engaging us, you accept them. If you do not accept them, please do not use the site.

Where we agree a separate written engagement with you, that agreement takes precedence over these terms to the extent of any conflict.

2. What KAPVOY is, and what it is not

KAPVOY Advisory is an independent financing advisor. We assess your situation, identify the lenders most likely to approve your profile, and help you prepare and submit applications to them.

To be unambiguous about the limits of that role:

• •We are not a bank, a finance company, or a licensed moneylender. We do not lend money and we do not hold client funds.
• •We do not approve loans. Every credit decision is made solely by the lender, under its own criteria.
• •We are not a licensed financial adviser, and nothing we provide is financial advice, investment advice, or a personal recommendation regulated under the Financial Advisers Act 2001.
• •We are not your accountant, lawyer, or tax adviser. For advice on the tax, accounting or legal consequences of any financing, please consult a qualified professional.

We hold no referral arrangement with any lender and are not paid by lenders. Our fee is paid by you, and only on success. That is what keeps our recommendations independent.

3. Who can use our service

Our service is for business owners, directors and property owners aged 18 or above. By engaging us, you confirm that you are authorised to provide the information you give us and to instruct us on behalf of the business concerned.

4. Our fee

Our fee is 3–5% of the approved loan amount, charged only when your loan is successfully disbursed. The exact percentage within that range depends on the complexity of the placement and is confirmed with you before we submit any application.

• •Nothing is payable upfront. There is no consultation fee, application fee, retainer, or monthly charge.
• •If we do not secure financing for you, you owe us nothing.
• •The fee is invoiced once, after disbursement. There are no renewal or ongoing charges.
• •Our fee is separate from any interest, processing fee, or other charge imposed by the lender itself.

Where you proceed with a lender we introduced you to, our fee remains payable on disbursement whether the final agreement is concluded through us or directly with that lender.

5. No guarantee of approval or terms

We cannot and do not guarantee that any application will be approved, that financing will be offered on particular terms, or that funds will be disbursed within a particular timeframe. Approval, loan amount, interest rate, tenure and conditions are determined entirely by the lender.

Eligibility results from our quiz, indicative rates, and the outputs of our loan calculator are estimates for general guidance only. They are not offers, not pre-approvals, and not a commitment by us or by any lender.

6. Information you give us

Our advice is only as good as the information it is based on. You agree that the information and documents you provide are accurate, complete and not misleading, and that you will tell us promptly if your circumstances change materially while an application is in progress.

Submitting false or misleading information to a lender may constitute an offence and may result in withdrawal of an offer. We reserve the right to stop acting for you if we believe information provided to us is untrue.

7. Dealing with lenders

Any financing you take up is a contract between you and the lender. Its terms are set by that lender. That includes interest, fees, security, covenants and what happens if you default, and it is your responsibility to read and understand them before signing.

We are not a party to that agreement and are not liable for the conduct, decisions, processing times, products or terms of any lender.

8. Website content

The guides, comparisons, scheme summaries and calculators on this site are general information about financing in Singapore. They are not tailored to your circumstances and should not be relied on as advice.

Lending criteria, government scheme parameters and rates change frequently. While we work to keep this site accurate and current, we do not warrant that all content is complete or up to date at the time you read it. Always confirm current terms with us or with the lender.

9. Intellectual property

All content on this site belongs to us or our licensors. That covers text, design, graphics, logos and the KAPVOY Advisory name. You may read, share and print it for your own reference. You may not republish, copy at scale, or use it commercially without our written permission.

10. Limitation of liability

To the fullest extent permitted by Singapore law, we are not liable for indirect or consequential loss, or for loss of profit, revenue, business or opportunity, arising from your use of this site or our service.

Where we are found liable in connection with our service, our total liability is limited to the amount of the fee you have actually paid us in respect of the matter giving rise to the claim.

Nothing in these terms excludes or limits liability for fraud, or for anything that cannot lawfully be excluded or limited.

11. Ending the engagement

You may stop working with us at any time by telling us. We may also decline or discontinue an engagement. That might be where we cannot identify a suitable lender, where information provided to us is inaccurate, or where continuing would be inappropriate.

Where an application has already been submitted and subsequently proceeds to disbursement with a lender we introduced, clause 4 continues to apply.

12. Privacy

How we handle your personal data, including who we share it with and how to withdraw your consent, is set out in our Privacy Policy.

13. Changes to these terms

We may update these terms from time to time. The current version is always on this page with the date it took effect. Continuing to use the site after a change means you accept the updated terms.

14. Governing law

These terms are governed by the laws of Singapore, and you agree to the exclusive jurisdiction of the Singapore courts.

15. Contact us

Questions about these terms, or about how we work: