Terms of Use

The Juggar Terms of Use (“Terms”) govern each user’s use of the website at www.juggar.co (the “Website”) and any services accessible via the Website (together, the “Services”). Please read these Terms of Use carefully. By using the Services in any manner, including but not limited to visiting or browsing the Website, you agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, our Privacy Policy or any other documents referred to by these Terms of Use, you are not permitted to, and should not use the Services. You also undertake to familiarise yourself with and comply with the Terms of Use and Privacy Policy relevant to your use of our Website and the Services provided (as may be amended from time to time). Each time you use our Services, you represent, warrant and undertake (i) to accept, comply with and be bound by these Terms of Use and (ii) to comply with all applicable laws, regulations and rules in relation to your access to and use of the Website and the Services.

The Services are owned and operated by Juggar Capital Pte Ltd. (‘Juggar’, ‘we’, ‘our’, or ‘us’) is a private limited company incorporated in Singapore under the Companies Act having its registered address at: 7 Temasek Boulevard, Suntec Tower One, #12-07, S(038987) which is engaged in the business of investment holding and such other businesses as may be incidental to or in connection with the business including facilitating loans for the investment.

Juggar retains the right to disable or cancel your User Account (as defined below), at any time and without notice, if it deems that you have failed to comply with any of the provisions of these Terms of Use.


If you are a natural person, you acknowledge that you have read and understood these Terms and that you are at least 18 years old. Users under 18 years of age are not eligible to use the Services without the consent and supervision of a parent or legal guardian who is at least 18 years old, provided such parent or legal guardian also agrees to be bound by the Terms of Use and agrees to be responsible for such use of our Services.

If you are using our Services on behalf of a legal entity (e.g. a company interested in lending money to borrowers or a company interested in raising funds to buy shares), you warrant that you have the right to enter into agreements on behalf of such legal entity.

Users suspended from using the Services are not eligible to use the Services. Juggar reserves the right to refuse use of the Services to anyone and to reject, cancel, interrupt, remove or suspend any services at any time and without notice for any reason without liability.


Some pages of this Website are open to all Users and may be browsed by any visitor. However, access to and use of password-protected and/or secure areas of the Website is restricted to authorised users who have created a user account on the Website (“User Account“) and been verified, approved and accepted as a member by Juggar (“Member”) in accordance with the instructions set forth on the Website.

To participate in the platform of Juggar, you agreed to subscribe to the preference shares of Juggar for One Singapore Dollar (SGD 1) in accordance with the terms and conditions of the Shareholders’ Agreement which is downloadable from our Website.

There are two classes of preference shares, Preference Shareholders Class A and Preference Shareholders Class B (collectively “Preference Shareholders”) designated for lenders and borrowers respectively. Juggar will maintain in its books and record a separate account(s) for the Preference Shareholders (the “Preference Shareholder’s Account”) and segregate all Preference Shareholders moneys from ours so that at no time will your money be affected by claims of our creditors.

The Preference Shareholders shall have no right to nominate or designate directors of Juggar and carry no rights to dividend declared by Juggar from Juggar’s earnings. The preference shares are not transferable.

If the Preference Shareholder do not have any existing Shareholder Loan Agreement that are binding both the Preference Shareholder and Juggar can chose to exercise its Put / Call option to sell / buy the preference shares at the subscription price. Juggar will transfer all existing funds back to the Preference Shareholder and the Preference Shareholder will cease all its relationship with Juggar.

All the loans on the platform will be governed by the Shareholder Loan Agreement which stipulates the terms of the loan.

The Website provided by Juggar is a meeting platform for both borrowers seeking funds to buy listed shares and investors interested in lending monies. Juggar does not provide any advice or take any part in the investment process. Juggar shall never be liable for any non-payment of any investment amount, and Juggar shall never be liable for any Borrower’s non-repayment of loan (principal and interest).


Upon completion of a successful borrowing on the Website, Juggar levies a 0.2% p.a. success fee of the total sums raised on the Borrower.

Cash can be deposited by Internet Banking Transfer (Fast Payments only) to Maybank account no. 04021073385
Please quote your Juggar userid as the payment reference
Go to http://juggar.co/marketplace/cashtrans/deposit and key in the deposit amount and bank reference for faster processing of your funds

Trades must be done via the Juggar platform and Borrower will be charged the standard market transaction cost including brokerage fees and clearing fees

All trades will be “all or nothing” trade i.e. You will either get all the shares you wanted to buy at the limit price or no shares at all (there will be no partial fill)

The initial loan is 70% of the purchase price of the shares (excluding transaction costs)
Borrower will determine when buying the shares, the interest rates and the duration of the loan

Once the trade has been executed, Juggar will list the loan requirement on its Marketplace
Before the loan is funded by a Lender, Juggar will lend the money to the Borrower at an interest rate of [2.88%]

When a Lender funds a loan, the Lender will execute the Form of Joining Agreement to become a party to the Shareholder Loan Agreement

The margin ratio in percentage is calculated as:

Margin Ratio = (Market Value of Shares + Cash) / Outstanding Loan

The maintenance Margin Ratio is 140%

Margin call will be triggered when Margin Ratio drops below 135% and Borrower will have 2 trading days to top-up the Margin

Juggar will at its sole discretion force sell all or part of the shares at any time if no top-up is made or if the Margin Ratio drops below 130%

Juggar will have the right to top-up the margin if there is cash in the Borrower’s account and no top-up has been made by the Borrower

It is the Borrower responsibility to monitor their margin ratio and make the margin call. Juggar will but is not obliged to inform the Borrower via email in the event of margin call. 

Borrower can sell the Shares anytime before the maturity of the Loan

Proceeds from the early sale of Shares will be used to repay the Loan based on the proportion of the Shares sold

There will be a penalty of 10% of unearned interest in the event of early repayment of Loan
Juggar will at its sole discretion sell off remaining shares on maturity date if not done so by borrower. This is to return ensure the timely delivery of principal and interest earned to the lender.

Our services are executed through internet and you are encouraged at all times to protect access to your account.

The Shareholders’ Agreement shall be governed by and construed in accordance with the laws of Singapore.


You are solely responsible for your conduct and activities on the Website and regarding Juggar and any and all data, text, information, graphics, images, photographs, profiles, audio, video, items, and links (together, “Content”) that you submit, post, and display on the Website.

Your Content and your use of Juggar shall not:

  • Be false, inaccurate or misleading
  • Be fraudulent or involve the sale of illegal, counterfeit or stolen items
  • Promote or encourage any form of illegal activity
  • Infringe upon any third-party’s copyright, patent, trademark, trade secret or other proprietary or intellectual property rights or rights of publicity or privacy
  • Violate these Terms of Use, any site policies, any community guidelines, any project guidelines, or any applicable laws, statute, ordinance or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, antidiscrimination or false advertising)
  • Be defamatory, trade libelous, unlawfully threatening, unlawfully harassing, or impersonate or intimidate any person, or falsely state or otherwise misrepresent your affiliation with any person, through for example, the use of similar email address, nicknames, or creation of false account(s) or any other method or device
  • Be offensive and/or promote violence, degradation, subjugation, discrimination or hatred against individuals or groups based on race, ethnic origin, religion, disability, gender, age, veteran status, sexual orientation, or gender identity
  • Be obscene or contain sexually explicit material or show people or animals being hurt or degraded
  • Contain any malicious code, data or set of instructions that intentionally or unintentionally causes harm or subverts the intended function of the Website, including, but not limited to viruses, Trojan horses, worms, time bombs, cancelbots, easter eggs or other computer programming routines that may damage, modify, delete, detrimentally interfere with, surreptitiously intercept, access without authority or expropriate any system, data or personal information;
  • Host images not part of a listing


Juggar reserves the right to terminate User Accounts for such activities.


Juggar is the owner or the licensee of all intellectual property rights in its Website, and in the material published copyright laws and treaties around the world. Such content include at any given time text, graphics, logos, icons, images, sound clips, video clips and data compilations, and together with the Website’s page layout, underlying code and software. All such rights are reserved. You agree to respect all intellectual property rights, including but not limited to copyright, trademarks, trade names (whether registered or not) contained or displayed on the Website or which you gain access to in connection with using our Services.


Services on the Website are provided on an “as is” and “as available” basis and makes no warranty, guarantee, or representation (express or implied) that the Website will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will produce any specific results, that it will not infringe the rights of third parties, that it will be compatible with all systems, that it will be secure, or that all information provided will be accurate.

We accept no liability for any disruption or non-availability of the Website resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, power failure, natural events, acts of war, or legal restrictions and censorship. No part of the Website, including commentary and other materials, is intended to constitute advice, and the content of this Website should not be relied upon when making any decisions or taking any action of any kind. Juggar is not responsible or liable for any content, for example, data, text, information, graphics, images, photographs, profiles, audio, video, items, and links posted by you, other Members, or outside parties on the Website. You should be aware that you use the Website and its content at your own risk.

To the maximum extent permitted by law, we accept no liability for any direct or indirect loss or damage, foreseeable or otherwise, including any indirect, consequential, special or exemplary damages arising from your use of the Website or any information contained in it, including but not limited to loss of profit, loss of income, loss of revenue, business interruption and goodwill losses arising out of or in connection with the Terms of Use or the use or inability to use our Services or Website.


We have made every effort to ensure that these Terms of Use adhere strictly with applicable laws. These Terms of Use are the entire agreement between each User and Juggar regarding its subject matter. If any provision of these terms are deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity and enforceability of the remaining provisions of the remaining Terms of Use, which shall remain in full force and effect. This clause on “Severability” shall apply only within jurisdictions where a particular term is illegal.


Juggar reserves the right to update the Terms of Use to take account of changes in law or for any other reason. If we update the Terms of Use, we will post a new version on the Website. We will also post a notice of the changes on our Website or notify you by email (sent to the email address specified in your User Account). You are bound by changes to the Terms of Use when you use the site after those changes have been posted. We encourage you to periodically review this page for the latest information on our privacy practices. If there is a conflict between two versions of the Privacy Policy to which you have agreed or been deemed to agree, the more recent version shall take precedence unless it is expressly stated otherwise.


In the event of a conflict between the English language version of the Terms of Use and any foreign language translation versions thereof, the English language version shall govern and control. All disputes, claims and causes of action (and related proceedings) will be communicated in English.


These Terms of Use shall be governed by and construed in accordance with the laws of the Republic of Singapore. You agree to submit to the exclusive jurisdiction of the courts of the Republic of Singapore.


If you wish to communicate with us about anything related to these Terms of Use, you may contact us by email at charlotte@juggar.co