What Credit Clarity is, and is not

1. We explain, we do not advise.

Credit Clarity (CC) is a tool that translates Credit Bureau Singapore (CBS) credit report content into plain English. CC does not provide financial, credit, legal, or investment advice of any kind, and nothing on this site or in any output should be treated as such.

2. We are not a licensed financial adviser.

CC is not licensed, registered, or regulated by the Monetary Authority of Singapore (MAS) as a financial adviser or financial institution. If you need financial advice, consult a MAS-licensed financial adviser or a recognised non-profit such as Credit Counselling Singapore (CCS).

3. We are not CBS, and we are not your bank.

CC is an independent service. We are not affiliated with, endorsed by, or operating on behalf of Credit Bureau (Singapore) Pte Ltd, the Monetary Authority of Singapore, or any bank or financial institution. CBS is the sole authoritative source for the content of your credit report.

4. Our explanations are AI-generated.

Explanations are produced by an AI system based on rules published by CBS and the content of the report you upload. While we aim for accuracy, AI-generated output can contain errors. We do not independently verify the data CBS has recorded about you, and we are not responsible for inaccuracies, omissions, or outdated information in the underlying CBS report.

5. No outcome is promised.

Nothing in our explanation implies, predicts, or guarantees any outcome, including but not limited to loan approval, credit score improvement, or any lender's decision. Estimated dates (such as when a record may stop displaying) are estimates only, based on CBS-published display rules, and may not match the exact date CBS applies internally.

6. Your data: feedback submissions.

If you use the Feedback page, your message is required, but your name and email are both optional. This is different from how we handle your CBS credit report: report content is processed and discarded, and is never stored (see Section 4 and How It Works). Feedback submissions, by contrast, are stored only for as long as needed to read and, where you've asked for one, reply to them.

We use any name or email you provide only to:

• Reply to you, if you've asked a question or requested help and left contact details

We do not sell or share your name, email, or message with any third party, bank, or lender. You may ask us to delete a submission at any time by contacting hello@credit-clarity.com.

7. When in doubt, go to the source.

For questions about the content of your credit report, contact CBS directly at 6565 6363 or consumer_services@creditbureau.com.sg. For questions about a specific account, contact your lender directly.