1. Introduction
Please peruse these Agreements carefully as they encompass important information about Winz Credit provided to you, the Terms, future changes to these Agreements, Privacy Information, waiver, limitation of liability, Governing Law etc.
In order to use Winz Credit, you need to be (1) 18 or older, (2) have the power and capability to enter into a legally binding contract with us and not barred from doing so under any applicable laws and (3) be a resident or legally employed in Singapore.
By clicking “Apply Now” or otherwise applying/engaging Winz Credit Pte. Ltd. (“Winz Credit”, the “Company”, “we”, “us”, “our”) financial service (“Winz Credit Service” or “Service” or “Loan”), including via software application or website, you are entering into a binding contract with Winz Credit Pte Ltd (UEN No. 201318439W). Winz Credit shall also include our Customer Support and Contact Centre.
Your agreement with us includes these <span”>Terms and Conditions (“Terms”) and our Personal Data Protection Policy (the “Privacy Policy”). (The Terms, Privacy Policy, and any additional terms that you agree to, as discussed in the Entire Agreement section, are collectively referred to as the “Agreements”). If you wish to review the terms of the Agreements, the latest and most effective version of the Agreement can be found on Winz Credit Website – www.winzcredit.com. You acknowledge that you have read, understood, and accepted these agreements and are bound by them. If you don’t agree with (or cannot comply with) the agreements, then you are not eligible to use Winz Credit.
By continuing to use Winz Credit, you signify that you have read, understood, and agree to the collection, use, retain, dispose of, handle, transfer, process, and/or disclose your personal data by Winz Credit, in accordance with these agreements;
You further represent, warrant, and promise that any information submitted to Winz Credit (including during the application process) is true, accurate, and complete to the best of your knowledge and belief. In addition, you understand and are well aware that you may be held liable in the event and that the information you have submitted is found to be false untrue misleading, or misrepresenting.
Any information that you have provided us can be corrected during the application process or otherwise, by contacting us at enquiry@winzcredit.com
2. Changes to the Agreements
We reserve the right to modify or amend these Agreements at any time. The effective date will be displayed at the beginning of this policy. Occasionally, we may, at our discretion, make changes to the Agreements. When material changes are made to the Agreements, we will provide you with a notice by (1) notifying you via our software application (2) sending you an email or (3) sending you a text message, at our discretion. We endeavor to notify you at least 14 days in advance or otherwise, as soon as practicable. Your continued use after being served such notice shall constitute your acceptance of the changes. Therefore, please ensure you read any such notice carefully. If you do not wish to continue using our Service, you may terminate these Agreements by contacting us through the Contact Us section or +65 62896616, and our Customer Support will reach out to you and advise you accordingly. Alternatively, you may also reach out to us at enquiry@winzcredit.com
3. Intellectual Property and Copyright
All Winz Credit trademarks, service marks, trade names, logos, domain names, and any other features of Winz Credit (“Winz Credit Brand Features”) may not be used in connection with any product or service without the prior written consent of Winz Credit. The aforesaid, however, may be used by partners and third parties in connection with providing the Service so long as they use it in a manner consistent with Winz Credit requirements.
You shall also not reverse-engineering or modify the system designs of Winz Credit Service.
If you believe that Winz Credit has infringed your copyright or constitutes a violation of your intellectual property rights, please submit a notice of the alleged infringement or violation to the following address:
Att: Data Protection Officer,
Winz Credit Pte Ltd
153 Serangoon North Ave 1, #01-530
Singapore 550153
Ideally, your notice should include as much detail as possible, including, where applicable:
- A physical or electronic signature of the owner (or person authorized to act on behalf of the owner) of the copyright/intellectual property that is allegedly infringed or violated;
- Specific identification of the copyrighted work or intellectual property claimed to have been infringed or violated;
- Specific description of the infringement (please be as detailed as possible);
- Contact information for the complaining party, including the exact name, address, telephone number and email address;
- A declaration that the complaining party has done it in good faith belief that the use of such the copyrighted work of intellectual property that is allegedly infringed or violated is not authorized by the proprietary owner, its agent, or the law; and
- A declaration that the information detailed in the notification is accurate and that the complaining party is the proprietary owner, an agent for the proprietary owner, or authorized to act on behalf of the proprietary owner.
4. Third Party Applications
Winz Credit is integrated with third-party applications, websites, and services (“Third Party Application”) to enable us to provide you with our Service. The Third Party Application has their own terms and conditions of use and privacy policy of which you will be notified prior to signing your Loan contract with us. Your use of these Third Party Applications will be governed by and subject to such terms and conditions and privacy policies. You understand and agree that Winz Credit does not endorse and is not responsible or liable for the behavior, features, or content of any Third Party Application or any transaction you may enter into with the provider of any such Third Party Application.
5. Our Rights
Winz Credit reserves the right to remove or disable access to any user/applicant for any or no reason, including but not limited to any violation, in Winz Credit sole discretion, of these Agreements or any applicable law. Winz Credit may take these actions without prior notification to you or any third party. Removal or disabling access shall be at our sole discretion.
In consideration of the Service provided to you under the Agreement, you grant us the rights to:
(1) allow Winz Credit to use the processor, bandwith, and storage hardware on your Device in order to facilitate the operation of the Service;
(2) To provide advertising and other information to you, contact you via telephone and email for the loan application purpose;
(3) Collect, use, retain, dispose, handle, transfer, process and/or disclose your personal data, in accordance with our privacy policy; and
(4) To allow our affiliates to do the same for the foregoing.
However, should you opt to not receive any advertising or other information fromWinz Credit or its affiliates, kindly convey your intentions to enquiry@winzcredit.com
You hereby acknowledge, agree and consent to the provisions of Clause 5 above and will not hold Winz Credit liable for effecting the foregoing.
6. Customer Support
For customer support or any queries related to our Winz Credit Service, kindly submit a ticket to our Customer Support via our Contact Us section of our website or call us at +65 62896616.
We will attempt to respond to all customer support queries within 5 working days. However, in the event the nature or subject of the query is deemed by us to be complicated, we will inform you that the matter has been escalated and to provide you an interim report or an expected time for us to resolve/attend to your queries, where possible. However, we make no guarantees or warranties of any kind that your queries will be responded within the aforesaid timeframe.
7. Term and Termination
This Agreement will continue to apply until it has been terminated by you or Winz Credit. Winz Credit reserves the rights to terminate this Agreement for any or no reason. However, in the event you wish to terminate this Agreement, you may do so by contacting us by sending us an email at enquiry@winzcredit.com and we will attend to your request accordingly.
Clauses 3, 6, 7, 9, 10, 11, 12, 13, 14, 15, 16 as well as any other sections of the Agreements that, either explicitly or by their nature, must remain in effect even after termination of the Agreements, shall survive the termination.
8. Warranty and Disclaimer
We endeavour to provide the best service we can, but you understand and agree that Winz Credit is provided “as available”, without express or implied warranty or condition of any kind. You use our service at your own risk and at your own accord. To the fullest extent permitted by applicable law, Winz Credit and all owners of the content makes no representations and disclaim any warranties or conditions of satisfactory quality, merchantability, fitness for particular purpose, or non- infringement. In addition, Winz Credit makes no representation nor does it warrant, guarantee or assume responsibility for any third party applications or any other product or service advertised or offered by a third party on or through the Winz Credit or any hyperlinked website, or featured in any banner or other advertising. You understand and agree that Winz Credit is not responsible or liable for any transaction between you and third party providers of third party applications or products or services advertised through the Winz Credit service. You should use your judgement and exercise caution where appropriate. No advice or information whether oral or in writing obtained by you from Winz Credit shall create any warranty on behalf of Winz Credit in this regard.
9. Limitation
To the fullest extend permitted by law, in no event will Winz Credit, its officers, shareholders, employees, agents or directors, subsidiaries, affiliates, successors, assigns, suppliers or licensors will be liable for (1) any indirect, special, incidental, punitive, exemplary, or consequential damages; or (2) any loss of use, data, business or profits (whether direct or indirect), in all cases arising out of the use or inability to use the Winz Credit and/or third party application.
10. Entire Agreement
These Agreements constitutes all the terms and conditions agreed upon between you and Winz Credit and supercede any prior agreements in relation to the subject matter of these Agreements, whether written or oral.
Please note, however, that other aspect of your use of the Winz Credit may be governed by additional agreements. For instance, when you are entering into a loan agreement with Winz Credit. At such, you will be presented with any related additional agreement, and you will have the opportunity to agree to the additional terms. To the extent that there is any irreconcilable conflict between any additional terms and these Terms, the additional terms shall prevail.
11. Severability and Waiver
Unless as otherwise stated in these Agreements, should any provision of the Agreements be held invalid or unenforceable for any reason or to any extent, such invalidity and enforceability shall not in any manner affect or render invalid or unenforceable the remaining provisions of the Agreements, and the application of that provision shall be enforced to the fullest extent permitted by law.
Any failure by Winz Credit to enforce the Agreement or any provision thereof shall not waive Winz Credit’s rights to do so.
12. Assignment
Winz Credit may assign the Agreements or any part of them and Winz Credit may delegate any of its obligations under these Agreements. You may not assign the Agreements or any part of them, nor transfer your rights and obligations under these Agreements to any third party.
13. Indemnification
To the fullest extent permitted by applicable law, you agree to indemnify and hold Winz Credit harmless and free from all damages, losses and expenses of any kind (including reasonable legal fees and costs) arising out of:
(1) your breach of this agreement; and
(2) your violation of any law.
14. Counterparts
These Agreements may be executed in separate counterparts, each such counterpart being deemed to be an original instrument, and all such counterparts shall together constitute the same agreement.
15. Governing Law and Jurisdiction
These Agreements and all matters arising herein shall be governed by and construed in accordance with the law of the Republic of Singapore and the Parties agree to submit to the exclusive jurisdiction of the Singapore Courts.
16. Contact Us
If you have any questions concerning Winz Credit or the Agreements, please contact us at enquiry@winzcredit.com
Thank you for reading our Terms and Conditions. We hope you will enjoy our Service.
