ROSHI Terms of Use

Last Updated August 9, 2020

1. Definition

ROSHI* includes its respective websites in Singapore (https://roshi.sg), Hong Kong (https://roshi.hk).

Third-party Provider, hereby referred to as “Providers”, is the bank, financial institution, insurer, loan provider, etc. that provides the products, services, and policies to customers.

“Users”, or customers, are the end-users who use our websites

“Products” refers to the financial products displayed on ROSHI* such as credit cards, personal loans, travel insurances, etc.

Method of access: Users access the above-mentioned websites with their devices, such as desktops, laptops, tablets, mobile phones, etc.

The medium of transaction: For products that redirect users to the Providers’ sites, ROSHI will act as a referrer site only, hence the transaction happens on Providers’ sites is not in ROSHI’s control.

2. Governing Law

Any relationship between ROSHI* and its users in Singapore is governed by the prevailing Singapore law. Any relationship between ROSHI* and its users in Hong Kong is governed by the prevailing Hong Kong law.

3. Terms of use

As an individual who is a user of our website or otherwise as a user of the services provided by ROSHI*, this Term of Use is intended to describe for you:

By accessing, browsing or using this website, and the websites of the below listed companies, divisions or service groups, or any page thereof, through any direct or indirect means (individually or collectively, “Websites” or “Website”), or by using the goods, facilities or services offered in or through the Websites through alternative methods (including, for example, telephone, mail, email or facsimile), you accept and agree to be bound by these Terms of Use (the terms “Website” and “Websites” include use through these alternative methods).

If you do not agree to these terms and conditions, you are not authorized to access or use the Websites and you are to cease accessing or otherwise using the Websites.

ROSHI* operates the Websites and shall have the right at any time to change or discontinue any aspect or feature of the Websites and the right to modify the terms and conditions applicable to users of the Websites, including these Terms of Use, or any part hereof. Such changes, modification, additions or deletions shall be effective immediately upon posting on the Websites. Any use by you of the Websites or the good, facilities or services offered in or through the Websites shall be deemed to constitute acceptance of such changes.

The data and other information you may provide ROSHI* is not, and is not treated as, an application for a loan or a request to be pre-approved, pre-qualified or any similar concept. ROSHI* does not guarantee acceptance into any particular loan program or specific loan terms or conditions with any Lender; loan approval standards are established and maintained solely by individual Lenders. Likewise, ROSHI* does not guarantee that the loan terms or rates offered and made available by Lenders are the best terms or lowest rates available in the market. A Lender’s offer may be subject to market conditions, approval and qualification. The rates and fees actually provided by Lenders may be higher or lower depending on your complete credit profile, collateral/property considerations including but not limited to location, equity and value and income/asset consideration including but not limited to loan to value and debt to income ratios. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement.

ROSHI* is paid a fee by Lenders for the goods, facilities and services provided. Regardless of which lender you obtain your loan from, you will be responsible for paying for any settlement or closing costs associated with your loan (such as loan processing, underwriting, or funding fees, title insurance premiums, notary fees, etc.).

ROSHI* does not charge you a fee for its service in matching you with Lenders unless otherwise stated.

All effort is taken to derive the most accurate interest and payment calculations, however, the information is provided for estimation purposes only and should not be considered as 100% accurate.

We try to include the most comprehensive online database of mortgage and home loan packages, however, not all of the lenders packages may be included in ROSHI*.

All copyrights are held by ROSHI*, any attempts to copy or reproduce any portion of this site (including information, styles, graphics, scripts) in part or in whole is protected by the copyright law. Anyone found in violation will be prosecuted to the fullest extent of the law.

All the price stated on ROSHI Singapore website (https://roshi.sg) is in Singapore Dollars (SGD), unless otherwise stated. All the price stated on ROSHI Hong Kong website (https://roshi.hk) is in Hong Kong Dollars (HKD), unless otherwise stated.

Thank you for using ROSHI.sg and we hope you find it useful!

*Cross Asia Pacific Limited