SmartFunding Pte. Ltd. (“SmartFunding”) is not licensed or regulated by the Monetary authority of Singapore, and is not governed by the Securities and Futures Act (Cap. 289) or the Moneylender’s Act (Cap. 188) or Financial Advisers Act (Cap. 110). SmartFunding in performing its function as an intermediary for both the Investors and Invoice Sellers shall, as it deems fit and reasonable to do so, establish and maintain escrow account(s) to accept and hold monies to be transferred between the parties. Monies held by SmartFunding in the bank account(s) shall only be used for the stated purpose and does not constitute a “deposit” under the Banking Act (Cap. 19). SmartFunding shall not make any guarantee, warranty, representation or undertakings, whether expressly or impliedly, as to the functionality of the Website or the information and materials provided on the website. Information, content and materials on the website are only a form of general information only. Information of this type shall not be interpreted as an offering of any kind to make, induce, attempting to make or attempting to induce any person to enter into an offer. General information on the website shall not be interpreted as an invitation, advice, recommendation or endorsement to buy or sell invoices. It shall also not be construed to be advice of any kind which includes, but not limited to investment(s), legal, risk assessment(s), tax or otherwise. All information collected by SmartFunding shall be used or stored in compliance with the Personal Data Protection Act (Act 26 of 2012).