Terms of Service
Last updated: 13 July 2025
Scope of Services
We operate as a mortgage brokerage providing general information on mortgage-related products, tools such as mortgage calculators, indicative property valuations, and matching services with third-party lenders. We are not a lender. All mortgage applications and approvals are subject to the terms and conditions of the respective financial institutions. Use of this Site does not constitute a mortgage application, pre-approval, or pre-qualification.
Accuracy of Information
While we aim to provide up-to-date and accurate information, all content including mortgage rates, payment estimates, and property valuations is indicative and for informational purposes only. We do not warrant that the information is complete, accurate, or current. Users are encouraged to seek professional advice tailored to their financial situation.
Calculation Tools
Calculation tools including but not limited to the mortgage calculator and automated valuation model are provided as estimates only and do not represent a formal assessment or offer. Results may vary depending on user input and market conditions. We do not guarantee the accuracy or suitability of these tools for your financial decisions.
Third-Party Links and Services
This Site may contain links to third-party websites, lenders, or service providers. These links are provided for convenience only. We do not control, endorse, or take responsibility for the content, terms, or privacy practices of any third-party sites or services.
Fees and Compensation
We may receive fees or commissions from third-party lenders for services rendered. Unless explicitly stated, we do not charge users a fee for using our matching or advisory services. Any fees related to your mortgage application (e.g. legal, valuation, processing) are borne by you.
No Guarantee of Approval or Rates
We do not guarantee that you will be approved for a mortgage or receive the most competitive rate. All mortgage terms, conditions, and approvals are determined solely by the respective lenders based on their own criteria, including your creditworthiness, income, assets, and property details.
User Obligations
You agree to use this Site lawfully and for its intended purpose. You must not misuse, disrupt, or attempt to gain unauthorized access to the Site or its systems.
Intellectual Property
All content on this Site, including text, graphics, logos, and tools, is the property of Aseta Pte. Ltd. or its licensors and is protected under intellectual property laws. You may not copy, reproduce, or distribute content from the Site without our prior written consent.
Limitation of Liability
To the fullest extent permitted by law, we shall not be liable for any loss or damage arising from your use of or reliance on the Site, including the use of calculators, valuation tools, or information provided.
Privacy
Your use of the Site is also subject to our Privacy Policy, which explains how we collect, use, and protect your personal data in compliance with the Personal Data Protection Act (PDPA) of Singapore.
Changes to These Terms
We may update these Terms from time to time. Any changes will be posted on this page with the updated effective date. Continued use of the Site after such updates constitutes your acceptance of the revised Terms.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of Singapore. Any disputes arising from your use of the Site shall be subject to the exclusive jurisdiction of the courts of Singapore.
Contact Us
For any questions regarding these Terms, please contact via the email below: callme@heyphillip.com
Icon Attribution
The following icons used on this site were created by Freepik and sourced from Flaticon: