Terms & Condition

Last Updated

February 15, 2026

IMPORTANT: PLEASE READ THESE TERMS CAREFULLY BEFORE USING OUR WEBSITE OR SERVICES. BY ACCESSING OR USING OUR WEBSITE OR SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.

1. Definitions and Interpretation

In these Terms and Conditions:

"Zetl", "we", "us", "our" refers to Zetl and its subsidiaries, affiliates, and related companies operating in Singapore and Hong Kong.

"You", "your", "user" refers to any individual or entity accessing our Website or using our Services.

"Website" refers to www.zetl.com and any associated mobile applications or digital platforms operated by Zetl.

"Services" refers to the accounts services, lending services, and any other financial or related services provided by Zetl.

"Account" refers to the user account you create to access our Services.

"Content" refers to all text, images, data, information, and other materials available on our Website or through our Services.

2. Acceptance of Terms

2.1 By accessing our Website or using our Services, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions, together with our Privacy Policy, which is incorporated by reference.

2.2 If you do not agree to these Terms, you must not access our Website or use our Services.

2.3 We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our Website. Your continued use of our Website or Services after any changes constitutes acceptance of the modified Terms.

2.4 Additional terms may apply to specific Services. Such terms will be presented to you before you use those Services and are incorporated into these Terms by reference.

3. Eligibility

To use our Services, you must:

3.1 Be at least 18 years of age (or the age of majority in your jurisdiction).

3.2 Have the legal capacity to enter into binding contracts.

3.3 Be a resident of or have a registered business in Singapore, Hong Kong, or other jurisdictions where we are authorised to provide Services.

3.4 Not be prohibited from receiving financial services under any applicable laws or regulations.

3.5 Provide accurate, current, and complete information as required for registration and ongoing use of our Services.

4. Account Registration and Security

4.1 To access certain Services, you must create an Account by providing accurate and complete information. You agree to update your information promptly if it changes.

4.2 You are responsible for maintaining the confidentiality of your Account credentials, including your password and any security codes. You agree to notify us immediately of any unauthorised access to or use of your Account.

4.3 You are responsible for all activities that occur under your Account. We will not be liable for any loss or damage arising from your failure to protect your Account credentials.

4.4 We reserve the right to suspend or terminate your Account if we suspect fraudulent activity, violation of these Terms, or non-compliance with applicable laws.

5. Our Services

5.1 Payment Services

We work with third parties to provide payment processing and related financial services subject to applicable regulatory requirements. Third party payment services are provided in accordance with the Singapore Payment Services Act 2019 and other applicable regulations.

5.2 Lending Services

We provide lending and credit services subject to applicable regulatory requirements, including the Hong Kong Money Lenders Ordinance (Cap. 163) and Singapore Moneylenders Act. All lending is subject to credit assessment, eligibility criteria, and applicable terms and conditions.

5.3 Use of AI and Automated Systems

We use artificial intelligence and automated decision-making systems in the provision of our Services, including for credit assessment, fraud detection, and customer service. For more information, please refer to our Privacy Policy.

5.4 Service Availability

While we strive to maintain continuous availability of our Services, we do not guarantee uninterrupted access. We may suspend Services for maintenance, upgrades, or other operational reasons, and will endeavour to provide advance notice where practicable.

6. Know Your Customer and Anti-Money Laundering

6.1 You agree to provide all information and documentation we reasonably require to comply with our Know Your Customer (KYC), Customer Due Diligence (CDD), Anti-Money Laundering (AML), and Counter-Terrorist Financing (CTF) obligations.

6.2 You warrant that all information and documents provided are true, accurate, and not misleading, and that all funds used with our Services are from legitimate sources.

6.3 We reserve the right to refuse, suspend, or terminate Services if we cannot satisfactorily verify your identity or if we have concerns about the source of funds or compliance with applicable laws.

6.4 You acknowledge that we may be required to report suspicious transactions to regulatory authorities without prior notice to you.

7. Your Obligations

You agree to:

7.1 Use our Website and Services only for lawful purposes and in accordance with these Terms.

7.2 Not use our Services for any illegal, fraudulent, or unauthorised purpose, including money laundering, terrorist financing, or any other financial crime.

7.3 Not attempt to gain unauthorised access to our systems, servers, or networks, or interfere with the proper working of our Website or Services.

7.4 Not transmit any viruses, malware, or other harmful code through our Website or Services.

7.5 Not use any automated means (bots, scrapers, etc.) to access our Website or Services without our prior written consent.

7.6 Comply with all applicable laws and regulations in your use of our Services.

7.7 Pay all applicable fees, charges, and repayments in accordance with the terms of your specific Service agreements.

8. Fees and Charges

8.1 Fees for our Services will be disclosed to you before you use the relevant Service. By using a Service, you agree to pay all applicable fees.

8.2 For lending services, interest rates, repayment terms, and all associated fees will be clearly set out in your loan agreement. You acknowledge that failure to make timely repayments may result in additional charges, reporting to credit bureaus, and legal action.

8.3 We reserve the right to change our fees upon reasonable notice. Continued use of Services after fee changes constitutes acceptance of the new fees.

8.4 All fees are exclusive of applicable taxes unless otherwise stated.

9. Intellectual Property

9.1 All intellectual property rights in our Website, Services, and Content (including but not limited to trademarks, logos, software, designs, text, and graphics) are owned by or licensed to Zetl.

9.2 You are granted a limited, non-exclusive, non-transferable licence to access and use our Website and Services for their intended purposes, subject to these Terms.

9.3 You may not copy, modify, distribute, sell, lease, or create derivative works from any part of our Website, Services, or Content without our prior written consent.

9.4 The Zetl name, logo, and all related names, logos, and slogans are trademarks of Zetl. You may not use these without our prior written permission.

10. Third-Party Links and Services

10.1 Our Website may contain links to third-party websites or services. These links are provided for your convenience only. We have no control over, and accept no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

10.2 Your use of third-party websites or services is at your own risk and subject to the terms and conditions of those third parties.

11. Disclaimers

11.1 Our Website and Services are provided "as is" and "as available" without warranties of any kind, either express or implied, to the fullest extent permitted by law.

11.2 We do not warrant that our Website or Services will be uninterrupted, error-free, secure, or free from viruses or other harmful components.

11.3 We do not provide financial, investment, tax, or legal advice. You should seek independent professional advice before making financial decisions.

11.4 Information on our Website is for general information purposes only and may not be complete, accurate, or up-to-date.

12. Limitation of Liability

12.1 To the maximum extent permitted by applicable law, Zetl and its directors, officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or goodwill, arising out of or in connection with your use of our Website or Services.

12.2 Our total aggregate liability for any claims arising out of or in connection with these Terms or your use of our Services shall not exceed the total fees paid by you to us in the twelve (12) months preceding the claim, or SGD 1,000, whichever is greater.

12.3 Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded or limited by applicable law.

13. Indemnification

You agree to indemnify, defend, and hold harmless Zetl and its directors, officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

(a) Your use of our Website or Services;

(b) Your violation of these Terms;

(d) Your infringement of any third-party rights; or

(e) Any inaccurate or misleading information provided by you.

14. Termination

14.1 You may terminate your Account at any time by contacting us, subject to settlement of any outstanding obligations.

14.2 We may suspend or terminate your access to our Website or Services, or close your Account, at any time and for any reason, including but not limited to:

(a) Breach of these Terms;

(b) Suspected fraudulent or illegal activity;

(d) Regulatory requirements or legal obligations;

(e) Extended period of inactivity.

14.3 Upon termination, all outstanding amounts owed by you to us shall become immediately due and payable. Provisions that by their nature should survive termination shall remain in effect.

15. Dispute Resolution

15.1 If you have any complaints or disputes regarding our Services, please contact us at complaints@zetl.com. We will endeavour to resolve your complaint within 30 business days.

15.2 If a dispute cannot be resolved through our internal complaints process, you may refer the matter to the relevant regulatory authority or dispute resolution body in your jurisdiction.

15.3 Any disputes that cannot be resolved amicably shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre (SIAC) in accordance with the SIAC Rules. The seat of arbitration shall be Singapore and the language of arbitration shall be English.

16. Governing Law and Jurisdiction

16.1 These Terms and any dispute arising out of or in connection with them shall be governed by:

(a) The laws of the Republic of Singapore, for Services provided in or from Singapore; or

(b) The laws of the Hong Kong Special Administrative Region of the People's Republic of China, for Services provided in or from Hong Kong.

16.2 Subject to Section 15.3, you agree to submit to the non-exclusive jurisdiction of the courts of the relevant jurisdiction.

17. General Provisions

17.1 Entire Agreement: These Terms, together with our Privacy Policy and any Service-specific terms, constitute the entire agreement between you and Zetl regarding the use of our Website and Services.

17.2 Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

17.3 Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

17.4 Assignment: You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations without your consent.

17.5 Force Majeure: We shall not be liable for any failure or delay in performing our obligations due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemic, strikes, or shortages of transportation, facilities, fuel, energy, labour, or materials.

17.6 Language: These Terms are prepared in English. In the event of any conflict between the English version and any translation, the English version shall prevail.