Terms of Service

Last updated: 1 April 2025

1. Acceptance of Terms

By accessing or using https://smallbusinessloanmy.com ("the Website"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website.

SmallBusinessLoanMY reserves the right to modify these terms at any time. Continued use of the website after any changes constitutes your acceptance of the new terms.

2. Nature of Service

SmallBusinessLoanMY is an information and loan advisory service. We are not a licensed moneylender, bank, or financial institution. We do not:

  • Lend money directly to businesses
  • Guarantee loan approval from any lender
  • Make credit decisions on behalf of financial institutions

We connect businesses with licensed banks and financial institutions and provide general educational content about SME financing options in Malaysia.

3. Disclaimer of Warranties

All content on this website is provided for informational purposes only and does not constitute financial, legal, or professional advice. Loan interest rates, eligibility criteria, and product details are subject to change without notice.

You should always verify current terms directly with the relevant financial institution before making any financial decision.

The website is provided "as is" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

4. User Responsibilities

You agree to:

  • Provide accurate and truthful information when submitting enquiry forms
  • Use the website only for lawful purposes
  • Not attempt to gain unauthorised access to any part of the website or its systems
  • Not use automated tools to scrape or reproduce content without permission
  • Not submit false, misleading, or fraudulent information

5. Lead Referral & Compensation

SmallBusinessLoanMY may receive referral fees or commissions from financial institutions when we successfully connect them with qualified borrowers. This does not affect the objectivity of our content or the quality of our advisory service. Our consultation is free to business owners.

6. Third-Party Links & Services

Our website contains links to third-party websites including banks, government agencies, and financial institutions. These links are provided for convenience only. SmallBusinessLoanMY has no control over the content, privacy practices, or availability of third-party sites and accepts no responsibility for them.

We also use third-party services including Google Analytics and Google AdSense. Your use of the website is subject to their respective terms and privacy policies.

7. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of SmallBusinessLoanMY or its content suppliers and is protected by Malaysian and international copyright laws. You may not reproduce, distribute, or create derivative works without our express written permission.

8. Limitation of Liability

To the fullest extent permitted by Malaysian law, SmallBusinessLoanMY shall not be liable for any indirect, incidental, special, or consequential damages arising from:

  • Your use of or inability to use the website
  • Reliance on any information provided on the website
  • Loan applications being declined by financial institutions
  • Errors or inaccuracies in content, rates, or product information

9. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.

10. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Malaysia. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Malaysia.

11. Contact Us

If you have any questions about these Terms of Service, please contact us: