Terms of Service
Effective Date: September 22, 2025
These Terms of Service (“Terms”) set out the conditions governing your access to and use of the website operated by 1-Cash (“Company,” “we,” “us,” or “our”) at https://www.1-cash.sg/ (“Site”).
By visiting or using this Site, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. If you do not agree, you must immediately discontinue use of the Site.
1. Loan Enquiries and Applications
1.1 Submitting a loan enquiry or application through the Site does not constitute an offer of credit, a commitment to lend, or a guarantee of approval.
1.2 All applications are subject to internal assessment procedures, which may include background checks, credit reviews, and verification of supporting documentation.
1.3 Should your application be approved, the specific terms and conditions of financing—including loan amount, interest rate, repayment schedule, and any applicable fees—will be set out in a separate written agreement.
1.4 We reserve the absolute right to reject any application at our discretion without providing reasons.
2. No Advisory Relationship
2.1 All material made available on this Site is provided for informational purposes only. It does not constitute financial, legal, investment, or professional advice.
2.2 You are solely responsible for obtaining independent advice from qualified professionals before making any financial or business decisions.
2.3 Nothing on this Site creates any fiduciary, agency, or trustee relationship between you and 1-Cash.
3. Intellectual Property Rights
3.1 All content, branding, design, and other intellectual property displayed on this Site are owned by or licensed to 1-Cash.
3.2 You may not reproduce, modify, distribute, or otherwise exploit any part of the Site or its contents without our prior written approval.
4. Collection and Use of Personal Data
4.1 By using the Site or submitting information, you consent to our collection, use, and handling of personal data in line with the Personal Data Protection Act 2012 (PDPA) and these Terms.
4.2 Information we may collect includes:
- Personal and contact details (such as name, phone number, email, and address).
- Business details and corporate records (including UEN, ACRA documents, and related filings).
- Data provided in connection with loan applications (financial history, supporting documents, and disclosures).
- Technical information automatically transmitted by your device (such as IP address, browser type, and usage activity).
4.3 Your data may be processed for purposes including:
- Reviewing and processing applications;
- Communicating with you regarding services or applications;
- Conducting due diligence, risk assessments, and compliance checks;
- Meeting legal and regulatory obligations;
- Improving and operating the Site and our services.
5. Disclosure of Data
5.1 We may share personal data with:
- Our staff and authorised representatives;
- Service providers who support our operations;
- Licensed credit bureaus, banks, or financial institutions for application processing and risk management;
- Government authorities, regulators, or law enforcement where disclosure is required by law.
5.2 We take reasonable steps to ensure third parties handle your information in compliance with applicable data protection standards.
6. Data Protection and Retention
6.1 We adopt administrative, technical, and physical safeguards designed to protect your information from unauthorised access, alteration, or disclosure.
6.2 Despite our efforts, no electronic transmission or storage system is entirely secure, and we cannot guarantee absolute protection.
6.3 Personal data will be retained only for as long as necessary to fulfil the purposes stated above or as required by law. Once no longer needed, data will be securely destroyed or anonymised.
7. Your Rights under the PDPA
7.1 Subject to applicable law, you have the right to:
- Access the personal data we hold about you;
- Request corrections to inaccuracies;
- Withdraw consent for the use of your personal data, provided such withdrawal does not affect our legal or contractual obligations.
7.2 Requests should be submitted to us in writing.
8. Cookies and External Links
8.1 Our Site may use cookies or similar technologies to enhance your browsing experience. You may disable cookies in your browser, though certain functions of the Site may be limited.
8.2 The Site may contain links to third-party websites. We are not responsible for the practices, content, or security of those external sites, and you access them at your own risk.
9. Limitation of Liability
9.1 The Site and its contents are provided on an “as is” and “as available” basis. We do not warrant uninterrupted access, freedom from errors, or security of the Site.
9.2 To the fullest extent permitted by law, 1-Cash shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of the Site or reliance on its content.
9.3 We are not responsible for the acts, omissions, or services of third-party partners, providers, or linked websites.
10. Amendments to These Terms
10.1 We may amend these Terms at any time. Updates will be posted on this page with the “Effective Date” revised accordingly.
10.2 Continued use of the Site after changes are published constitutes your acceptance of the updated Terms.
11. Suspension or Termination
11.1 We reserve the right to suspend, restrict, or terminate your access to the Site at our sole discretion, without prior notice.
11.2 Sections relating to intellectual property, limitation of liability, governing law, and other provisions intended to survive termination will remain in effect.
12. Governing Law and Jurisdiction
12.1 These Terms shall be governed by and construed under the laws of the Republic of Singapore.
12.2 Any disputes arising in relation to these Terms shall be subject to the exclusive jurisdiction of the courts of Singapore.
13. Contact Information
For questions about these Terms, or to make a request concerning your personal data, please send us a message.