CrowdFund Talks rules and regulations


  • Funding Societies

    Welcome to CrowdFund Talks. Here are some general guidelines for using this forum:

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    Do not reveal parties' details in your loan discussion
    As part of investors' contracts with borrowers of Business Term Loans or Invoice financing, you may not reveal any information which may identify the parties involved.

    Do not discuss any loan before or during crowdfunding
    As part of the regulations in Singapore, discussion of any upcoming or ongoing investment opportunity is not allowed on the forum.


  • Contributor

    Hi, i'm new here. Could I clarify the below please?


    [For Singapore only] Do not discuss any loan before or during crowdfunding
    As part of the regulations in Singapore, discussion of any upcoming or ongoing investment opportunity is not allowed on the forum.

    Just curious why the regulations would prevent discussion of investment opportunities? This does not seem to encourage transparency. I would understand there are some limitations in sharing specific details on the company names and investors etc, but if it was a general discussion in regards to the loan (or more likely default scenario) why are we not allowed to discuss it? (Or to ask from another angle, how can we discuss scenarios such as defaults which would interest many investors in a safe manner?)


  • Funding Societies

    @dc - Hey! The regulations on this is akin to why we need Investors to clear the relevant pre-qualification checks (Generic Questionnaire / Suitability Assessment / Risk Disclosure) on the platform before being able to view the opportunities and invest in the loans.

    With regards to discussing a particular loan / borrower - as this is a public forum, we are required to protect their identities as a form of Data Protection based on due diligence requirements under the PDPA.



  • @sean-fs Old topic - but i think it's important to re-highlight. This creates a moral hazard problem - if it's a data protection issue, then perhaps you should build in a waiver at the onset. This waiver would require the borrower, in event of default, to consent to disclosing certain details about the borrower to prevent people from coming back (e.g. payment history and anonymised borrower id). Default should have consequences.


 

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