Terms of Service

1. What Singapore Home Services does

SHS provides information and enquiry support relating to mortgages, refinancing, home-loan comparison, property information, property-publication enquiries and new property launches in Singapore.

2. Mortgage and refinancing enquiries

Mortgage information is not an approval

Information on the website about home loans, refinancing, interest-rate structures, LTV, TDSR, MSR, CPF usage, loan tenure or other financing matters is provided for general information and comparison support.

A bank or lender decides whether to accept an application, what income or documents it will recognise, the property valuation, approved loan amount, interest rate, fees, conditions and final loan terms.

Rates and packages can change

Mortgage rates, promotional packages, lock-in periods, subsidies, fees, eligibility rules and lender conditions can change without notice. Unless a page clearly states otherwise, website content should not be treated as a live bank quotation.

You must review the lender's documents

Before accepting a mortgage, you should read the lender's Letter of Offer and other contractual documents carefully. If the website summary and the lender's contractual documents differ, the lender's final contractual documents govern the loan relationship.

3. Property listings, launch information and market content

Published property information can become outdated

Property prices, developer incentives, sales status, unit availability, launch dates, completion dates and other project information may change after publication.

You should confirm current transaction-specific details with the appropriate developer, property owner, appointed licensed sales representative, lawyer or other relevant party before relying on the information for a purchase or sale.

SHS does not provide estate-agency representation

Unless expressly stated otherwise under a legally compliant arrangement, website property content is provided as published information or enquiry-routing support. It does not create an estate-agency relationship between SHS and a buyer, seller, landlord, tenant or developer.

Third-party property information

Some information may be based on publicly available material, developer information, government sources, property-market sources or information submitted by third parties. SHS aims to use reasonable care but cannot guarantee that third-party information remains complete, accurate or current at all times.

4. Information you submit to SHS

When you submit a mortgage enquiry, property brief, publication request, contact form or other information, you agree that:

• the information you provide is accurate to the best of your knowledge;
• you have the right to provide the information and any files, images or links you submit;
• you will not knowingly submit false, misleading, defamatory, unlawful or infringing content;
• you will not submit another person's confidential information without an appropriate basis to do so; and
• SHS may contact you about the enquiry or submission using the contact information you provide.

Publication submissions

If you submit property information for publication, SHS may review, edit, decline, remove or request clarification before publishing it. Submission does not create an obligation for SHS to publish the material.

By providing content specifically for publication, you grant SHS a non-exclusive permission to reproduce, format and display that submitted content on singaporehomeservices.com and related SHS channels for the purpose for which it was supplied. You remain responsible for ensuring you have the necessary rights to provide that material.

5. Acceptable use of the website

You must not use the website in a way that:

• breaks applicable law or encourages unlawful conduct;
• attempts to gain unauthorised access to the website, server, accounts or systems;
• introduces malware, harmful code, automated attacks or unreasonable technical load;
• scrapes, copies or republishes substantial website content in a way that infringes SHS or third-party rights;
• impersonates another person or organisation;
• uses website forms to send spam, fraudulent enquiries or abusive communications; or
• interferes with the normal operation or security of the website.

SHS may restrict access, block abusive activity or remove submitted content where reasonably necessary to protect the website, other users or SHS.

6. Intellectual property

Unless otherwise stated, the original text, design, branding, graphics and website materials created for singaporehomeservices.com are owned by or licensed to SHS.

Third-party trademarks, bank names, project names, photographs, logos or other materials remain the property of their respective owners. Reference to a third party does not by itself imply sponsorship, endorsement or partnership.

You may view and use the website for personal and legitimate business-enquiry purposes. You may not reproduce substantial parts of the site for commercial republication without permission where permission is legally required.

7. Third-party links and services

The website may link to banks, government agencies, WhatsApp, property sources, developers, service providers or other third-party websites.

SHS does not control those websites and is not responsible for their content, availability, privacy practices, terms or security. A link is provided for convenience or reference and should not automatically be understood as an endorsement.

8. Website availability, disclaimers and liability

Website information

We aim to keep website information useful and accurate, but some information may become outdated, incomplete or unavailable. The website is provided on an "as available" basis and may occasionally be interrupted for maintenance, updates, technical issues or circumstances outside our control.

Your decisions remain your responsibility

Property and mortgage decisions can involve significant financial commitments. Website content is intended to support research and comparison, not replace your own due diligence or professional advice where needed.

Limitation of liability

To the fullest extent permitted by applicable law, SHS will not be liable for indirect, incidental, consequential or special losses arising solely from reliance on general website information, third-party content, third-party website availability or a user's failure to verify transaction-specific information.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is not permitted by law.

9. Privacy

Personal data submitted through the website is handled in accordance with our Privacy Policy, together with any specific notice provided when data is collected.

10. Changes to the website or these Terms

SHS may update website content, services or these Terms from time to time. The latest version will be published on this page with an updated date.

If a change materially affects a service you are actively using, we may provide additional notice where appropriate.

11. Governing law

These Terms are governed by the laws of Singapore. Any dispute arising from the use of the website or these Terms will be subject to the jurisdiction of the Singapore courts, unless applicable law requires otherwise or the parties agree to another lawful dispute-resolution process.

12. Contact Singapore Home Services

If you have a question about these Terms or how a website service operates, contact us using the details below.