CrowdFund Talks rules and regulations

  • Funding Societies

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

    Be descriptive and clear in your topic names

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    Help me, Hello, Very urgent, I have a question or anything similar to these.
    Here is a good example of a way to post a question

    How does auto invest work? or Are there any fees or charges involved?

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    General Forum Questions

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    Do not reveal parties' details in your discussion
    As part of investors' contracts with borrowers, you may not reveal any information which may identify the parties involved.

    Only upon signing this contract, can a registered investor (on either Singapore or Malaysia) have access to notes or fact sheets. Not everyone on CrowdFund Talks, which is a free-for-all community which non-qualified investors are also allowed access to have signed this contract. This renders the sharing of such information by any user, publicly on CrowdFund Talks, in breach of this contract.

    Information as above, is defined as: Name, Identity, Data, Information, Screenshots which may or may not be traced to originate from a fact sheet (including through paraphrasing of existing data or information)

    In abidance to a consistent approach, this restriction shall not be strictly limited to Funding Societies' notes, but also be applied to information pertaining to issuers of other P2P platforms based in either Malaysia or Singapore.

    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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