Disclaimer

Effective Date: June 2025

1. General Information

The information provided on this website is for general informational purposes only and does not constitute financial, investment, legal, or other professional advice. PropertyEquityLoan.com ("PEL"), owned and operated by Skystone Asset Management Pte. Ltd. ("Skystone"), does not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk.

2. No Offer or Solicitation

Nothing on this website constitutes an offer, solicitation, or recommendation to buy or sell any securities, financial instruments, or other products or services. The content is not intended to be a substitute for professional advice tailored to your specific circumstances.

3. Regulatory Status

Skystone Asset Management Pte. Ltd. (“Skystone”), owns and operates PropertyEquityLoan.com ("PEL"), is a Capital Markets Services (CMS) licence holder, regulated by the Monetary Authority of Singapore (MAS) under the Securities & Futures Act (SFA).

Skystone's authorised fund management activities include venture and project-related debt, and convertible financing structures for corporations and projects. As a regulated entity, Skystone complies with MAS requirements around minimum capital, fit-and-proper staff, risk management, and anti‑money laundering controls.

4. Loan Risk & Borrower Responsibility

Loans provided by Skystone through PEL involve financial obligations and carry significant risks. By accepting a loan, you acknowledge and agree that:

You are solely responsible for ensuring that all repayments — including principal, interest, fees, and charges — are made in full and on time according to the loan agreement;

Interest rates may be fixed or variable, and variable interest rates may increase or decrease during the term of your loan; future repayments may be higher than originally estimated;

Prepayment options (such as early repayment, balloon payments, or prepayment penalties) may apply as specified in your loan agreement;

Defaulting on repayments may result in late fees, legal action, and adverse reporting to credit bureaus, which may affect your credit rating and your ability to secure future credit;

Skystone through PEL does not guarantee any particular financial outcome or relief; the loan is a contractual obligation and not a form of investment or savings plan;

You should carefully assess your financial situation, borrowing capacity, and risk tolerance, and seek independent legal or financial advice where appropriate before entering into any loan agreement.

5. Lender’s Limited Relationship

The Loan Agreement and the provision of any loan or related service by Skystone through PEL:

Is entered into solely between the Borrower and PEL/Skystone, and confers no rights or obligations on any third party;

Does not create any fiduciary relationship, joint venture, partnership, or agency between PEL/Skystone and any borrower or third party;

PEL/Skystone is not liable for any contractor, agent, or third-party services engaged by the Borrower and is under no duty to inspect or monitor such services.

6. Third-Party Content

This website may contain links to third-party websites or content. PEL and Skystone do not control, endorse, or assume responsibility for the accuracy or reliability of any information, products, or services provided by third parties. Accessing such links is at your own risk.

7. Limitation of Liability

To the fullest extent permitted by law, PEL and Skystone disclaim all liability for any loss or damage arising out of or in connection with your use of this website or reliance on any information provided herein.

8. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of PEL and Skystone or its content suppliers and is protected by applicable intellectual property laws. Unauthorized use of any content is prohibited.

9. Changes to the Disclaimer

PEL and Skystone reserve the right to modify this Disclaimer at any time without prior notice. Your continued use of the website constitutes your acceptance of any changes.

10. Governing Law

This Disclaimer shall be governed by and construed in accordance with the laws of Singapore. Any disputes arising from or related to this Disclaimer shall be subject to the exclusive jurisdiction of the courts of Singapore.