By accessing the Debt Clear website, submitting the application form, or engaging our services in any way including by phone, WhatsApp, video call, or in person you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use this website or our services.
These terms apply alongside our [Privacy Policy], which explains how we handle the personal and financial information you share with us.
Debt Clear (“we,” “us,” “our”) is a debt advisory service. We help individuals in Singapore understand their debt situation and explore ways to manage it, including assessing whether Singapore’s Debt Repayment Scheme (DRS) may be an option for you.
We are not:
A bank or financial institution
A licensed moneylender; we do not lend money, and we do not charge interest
A law firm; we do not provide legal representation, and nothing we say constitutes legal advice
The Official Assignee or any part of the Ministry of Law; we do not decide whether you are approved for DRS or any other scheme
Our role is to help you understand your options and prepare to engage with the appropriate process or authority. Final decisions on matters such as DRS eligibility rest solely with the Official Assignee and the Singapore courts, not with us.
To use our services, you must be at least 18 years old and have the legal capacity to enter into an agreement. By submitting our application form, you confirm that you meet these requirements.
Nothing on this website, in our marketing, or in any conversation with our advisors is a promise or guarantee that:
You will be found eligible for DRS, a Debt Management Programme, or any other scheme;
Any creditor will agree to a proposed repayment plan;
Your debts will be reduced by any specific amount or percentage.
Debt relief outcomes depend on your individual financial circumstances, the decisions of the Official Assignee or courts, and the agreement of your creditors none of which we control. We will never encourage you to borrow money, take on new debt, or file for bankruptcy for the purpose of qualifying for a discount or benefit under any scheme. If any advisor ever suggests this to you, please contact us immediately using the details in Section 15 this is directly against our policy.
Our application form and consultations ask about matters including your income, employment status, existing debts, and bankruptcy or DRS history. This information helps us understand which options may be realistic for you.
You are responsible for providing accurate, complete, and truthful information. If information you provide turns out to be inaccurate or incomplete, this may affect the advice we give and any subsequent application to a scheme and we will not be responsible for outcomes that result from inaccurate information you supplied.
Consultations by video call (Google Meet) and phone call are provided free of charge.
A home visit, or meeting at a location of your choice, is subject to a $50 fee. This fee is waived you will not be charged if you go on to engage our services.
All fees will be clearly communicated to you before you agree to pay them. We do not add hidden charges.
If you need to cancel or reschedule a confirmed appointment, please let us know at least [24 hours] in advance via WhatsApp or phone. For home visits, cancellations made with less than [X hours’] notice may still be subject to the $50 fee, at our discretion.
Information provided through this website, our application form, or in conversation with our advisors is for general guidance only. It is not a substitute for independent legal, financial, or tax advice specific to your situation. We encourage you to seek advice from a qualified lawyer or financial advisor before making significant financial decisions, including whether to file for bankruptcy.
We understand that the information you share with us including your financial situation, employment status, and bankruptcy history is sensitive. We handle it in accordance with Singapore’s Personal Data Protection Act 2012 (PDPA) and our [Privacy Policy].
We will not share your information with your employer, family members, or any third party without your consent, except where required by law.
By submitting our application form, you consent to us collecting, using, and storing your personal data for the purposes of assessing your situation, contacting you, and providing our services, as further described in our [Privacy Policy].
By providing your phone number, WhatsApp number, or email, you consent to us contacting you through these channels regarding your enquiry and our services. You may withdraw this consent at any time by contacting us using the details in Section 15.
If we assess that DRS or our services may not be the right fit for your situation, we may refer you to other resources, such as Credit Counselling Singapore (CCS). We do not control, endorse, or take responsibility for the services provided by third-party organisations we refer you to.
All content on this website including text, graphics, logos, and the Debt Clear name and branding is the property of Clear Consultancy Pte. Ltd. and is protected by applicable intellectual property laws. You may not reproduce, distribute, or use this content without our prior written permission.
To the fullest extent permitted by law, Clear Consultancy Pte. Ltd. shall not be liable for any direct, indirect, incidental, or consequential loss or damage arising from:
Your reliance on general information provided on this website;
Decisions made by the Official Assignee, courts, or your creditors;
Your engagement with any third party we refer you to.
Nothing in these terms excludes liability that cannot be excluded under Singapore law.
We may update these Terms of Use from time to time. The “Last Updated” date at the top of this page reflects the most recent revision. Continued use of our website or services after changes are posted constitutes your acceptance of the revised terms.
If you have questions about these Terms of Use, please contact us:
Email: de*********@***il.com
Company: Debt Clear Consultancy Pte. Ltd.
These Terms of Use are governed by the laws of Singapore. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Singapore.
