Terms and Conditions
Last Updated: 06 March 2026
1. Introduction and Acceptance of Terms
These Terms and Conditions (“Terms”) govern your use of the Finsense website located at finsense.com.sg (“Website”), operated by Finsense (“we”, “our”, “us”).
By accessing or using our Website, you confirm that you have read, understood, and agree to be bound by these Terms.
We reserve the right to update or modify these Terms at any time. The “Last Updated” date at the top of this page will reflect any changes. Continued use of the Website after changes are posted constitutes your acceptance of the revised Terms.
2. About Finsense
Finsense is a financial product comparison and referral platform based in Singapore. We help users compare credit cards and other banking products from major financial institutions operating in Singapore, including DBS, OCBC, UOB, Citibank, Standard Chartered, HSBC, and DCS Card Centre.
Address: 123 Penang Road #03-12 Regency House Singapore 238465
Email: enquiry@finsense.com.sg
Phone: +65 6219 3628
3. Nature of Our Service
3.1 Comparison and Information Service Only
Finsense provides general information and comparisons about financial products for informational purposes only.
Nothing on this Website constitutes financial advice, investment advice, or a recommendation to apply for any specific financial product.
You should always conduct your own research and, where appropriate, consult a licensed financial adviser before making any financial decision.
3.2 We Are Not a Bank or Financial Institution
Finsense is not a bank, financial institution, or licensed financial adviser. We do not issue credit cards, approve loan applications, or handle any financial transactions.
All applications are processed directly by the respective bank or financial institution.
3.3 Referral and Affiliate Relationships
Finsense has referral and affiliate relationships with banks and financial institutions featured on this Website.
When you click “Apply Now” and submit an application on a bank’s website, Finsense may receive a referral fee or commission from that institution. This does not affect the accuracy of the information we present or the cost to you.
4. Accuracy of Information
4.1 Best Efforts
We make every reasonable effort to ensure that the information on our Website- including credit card features, fees, interest rates, eligibility requirements, and promotional offers, is accurate and up to date.
4.2 No Guarantee of Accuracy
However, financial product terms change frequently. While we do our best to provide the most accurate information, we cannot guarantee that all information on this Website is current, complete, or error-free at all times.
Product details, fees, rates, and promotions are subject to change by the respective banks without prior notice to us.
4.3 Verify Before Applying
Always verify the current terms, fees, and eligibility requirements directly with the bank or financial institution before submitting any application. Finsense accepts no liability for any decisions made based solely on information found on this Website.
5. Intellectual Property
5.1 Our Content
All original content on this Website- including text, written descriptions, comparisons, site layout, and graphics created by Finsense- is the property of Finsense and is protected by applicable intellectual property laws.
5.2 Third-Party Content and Card Images
Credit card images displayed on this Website are the property of their respective issuing banks and financial institutions.
These images are used for identification and informational purposes only, to help users recognise the products being compared. Their use does not imply ownership by Finsense, nor does it imply any endorsement of Finsense by the respective banks.
If you are a rights holder and believe any content has been used inappropriately, please contact us at enquiry@finsense.com.sg and we will address your concern promptly.
5.3 Restricted Use
You may not reproduce, distribute, modify, publicly display, or create derivative works from any content on this Website without our prior written consent, except for personal, non-commercial use.
5.4 Third-Party Trademarks
Bank names, credit card names, and associated logos displayed on this Website are the property of their respective owners.
Their appearance on this Website does not imply endorsement of Finsense by those institutions.
6. Third-Party Links
Our Website contains links to third-party websites, including the official websites of banks and financial institutions. These links are provided for your convenience.
Finsense does not control, endorse, or take responsibility for the content, privacy practices, or availability of any third-party website. Your use of third-party websites is at your own risk and subject to their own terms and conditions.
7. User Conduct
By using this Website, you agree that you will not:
- Use the Website for any unlawful purpose or in violation of any applicable Singapore law or regulation
- Attempt to gain unauthorised access to any part of the Website or its systems
- Transmit any harmful, offensive, or disruptive content through the Website
- Use automated tools (scrapers, bots, crawlers) to extract data from the Website without our prior written consent
- Misrepresent your identity or affiliation when contacting us
8. Disclaimer of Warranties
To the fullest extent permitted by Singapore law, Finsense provides this Website and its content “as is” and “as available” without any warranties of any kind, either express or implied, including but not limited to:
- Warranties of merchantability or fitness for a particular purpose
- Warranties that the Website will be uninterrupted, error-free, or free of viruses or harmful components
- Warranties regarding the accuracy, completeness, or timeliness of any content
9. Limitation of Liability
To the maximum extent permitted by law, Finsense and its directors, employees, partners, and affiliates shall not be liable for any:
- Direct, indirect, incidental, or consequential loss or damage
- Loss of data, revenue, profit, or opportunity
- Damage arising from your reliance on information found on this Website
- Damage arising from your use of, or inability to use, this Website
This limitation applies regardless of whether the claim is based on contract, tort, negligence, or any other legal theory, even if Finsense has been advised of the possibility of such damages.
10. Indemnification
You agree to indemnify and hold harmless Finsense and its directors, employees, and partners from any claims, damages, losses, liabilities, costs, or expenses (including legal fees) arising out of or related to your use of the Website or your violation of these Terms.
11. Privacy
Your use of this Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our data practices.
12. Governing Law and Dispute Resolution
These Terms are governed by and construed in accordance with the laws of Singapore. Any dispute arising out of or in connection with these Terms, including any question regarding their existence, validity, or termination, shall be subject to the exclusive jurisdiction of the courts of Singapore.
13. Severability
If any provision of these Terms is found to be invalid, unlawful, or unenforceable under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. The remaining provisions shall continue in full force and effect.
14. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Finsense regarding your use of the Website and supersede all prior agreements, understandings, or representations relating to the same subject matter.
15. Contact Us
If you have any questions or concerns about these Terms, please contact us:
Address: 123 Penang Road #03-12, Regency House Singapore 238465
Email: enquiry@finsense.com.sg
Phone: +65 6219 3628