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Terms of Use


The information contained in this website is for general information purposes only. The information is provided by HEYJOLES.COM and while we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

Through this website you are able to link to other websites which are not under the control of HEYJOLES.COM. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

Every effort is made to keep the website up and running smoothly. However, HEYJOLES.COM takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.

What kinds of information do we collect?

Depending on which Services you use, we collect different kinds of information from or about you.

Things you do and information you provide.

We collect the content and other information you provide when you use our Services, including when you message or communicate with our organization. We also collect information about how you use our services and product.

Access and Correction Obligation

We will correct any error or omission in an individual’s personal data upon your request. Unless we are satisfied on reasonable grounds that the correction should not be made, we will correct the personal data as soon as practicable and send the corrected data to other organisations to which the personal data was disclosed within a year before the correction is made (or, with the individual’s consent, only to selected organisations).

Accuracy Obligation

We will make reasonable effort to ensure that personal data collected by or on behalf of Ping Property is accurate and complete, if it is likely to be used to make a decision that affects you, or if it is likely to be disclosed to another organisation.

Protection Obligation

We will make reasonable security arrangements to protect the personal data that we possesses or controls to prevent unauthorised access, collection, use, disclosure or similar risks.

Device information.

We collect information from or about the computers, phones, or other devices where you install or access our Services and product. We may associate the information we collect from your different devices, which helps us provide consistent Services across your devices. Here are some examples of the device information we collect:

  • Attributes such as the operating system, hardware version, device settings, file and software names and types, battery and signal strength, and device identifiers.
  • Device locations, including specific geographic locations, such as through GPS, Bluetooth, or WiFi signals.
  • Connection information such as the name of your mobile operator or ISP, browser type, language and time zone, mobile phone number and IP address.

How do we use this information?

We are passionate about creating engaging and customized experiences for people. We use all of the information we have to help us provide and support our Services. Here’s how:

Provide, improve and develop Services.

We conduct surveys and research, test features in development, and analyze the information we have to evaluate and improve products and services, develop new products or features, and conduct audits and troubleshooting activities.

Communicate with you.

We use your information to send you marketing communications, communicate with you about our Services and let you know about our policies and terms. We also use your information to respond to you when you contact us.

Promote safety and security.

We use the information we have to help verify accounts and activity, and to promote safety and security on and off of our Services, such as by investigating suspicious activity or violations of our terms or policies. We work hard to protect your account using teams of engineers, automated systems, and advanced technology such as encryption and machine learning. We also offer easy-to-use security tools that add an extra layer of security to your account. We use cookies and similar technologies to provide and support our Services.

How is this information shared?

We store data for as long as it is necessary to provide products and services to you and others, including those described above. Information associated with your account will be kept until your account is deleted, unless we no longer need the data to provide products and services. You can delete your account any time.

How do we respond to legal requests or prevent harm?

We may access, preserve and share your information in response to a legal request (like a search warrant, court order or subpoena) if we have a good faith belief that the law requires us to do so. This may include responding to legal requests from jurisdictions outside of the Singapore where we have a good faith belief that the response is required by law in that jurisdiction, affects users in that jurisdiction, and is consistent with internationally recognized standards. We may also access, preserve and share information when we have a good faith belief it is necessary to: detect, prevent and address fraud and other illegal activity; to protect ourselves, you and others, including as part of investigations; or to prevent death or imminent bodily harm.

Upgrading for the First Time

One of the most common cases we constantly work on is with HDB owners who has the intention to upgrade to a larger HDB flat or private condominium.

The conversation often starts with understanding their intentions and the lifestyle they are seeking. Next up, we will plan out a detailed financial tabulation including the CPF and cash necessary that they will acquire after selling their existing property. We also partner with credible bankers to manage any In-Principal Approval (IPA) for their loan should they take up any monthly installment plans.

There are different roadmaps when upgrading to a larger HDB flat vs EC or condominium. We ensure clients have a clear understanding of the mid-to-long term property investment plans before a decision is made.

Second Property Owner

To own a second property is usually for the purpose of passive income and capital appreciation.

When working with clients looking to purchase a second property, it is crucial to explore opportunities to help them reduce any Additional Buyer’s Stamp Duty (ABSD). In addition, there are also various financial strategies that we implement to help them fund the downpayment and get any leverage that will help them out. 

Finally, we help clients to identify a property that is undervalued and have massive upside potential in capital appreciation and rental returns.

Own Multiple Properties

Owners of multiple properties are most concerned with structuring their property portfolio to maximise returns.

It is important to have an in-depth understanding of different segments of the market to be able to provide a sound judgement. 

Apart from residential properties, we also advise them to consider other asset classes. Offices, commercial properties and shophouses are good considerations.

Investors in Commercial Properties

We also work with commercial property owners and shophouse owners.

Many commercial property owners are not familiar with residential property investment. Our experience and understanding of both asset classes allows us to expand my clients’ property portfolio and not be limited to only one asset class.

As there are no Additional Buyer’s Stamp Duty (ABSD) and Seller’s Stamp Duty (SSD), many residential property owners will choose to invest in commercial properties instead of residential properties.

Property Asset Is A Necessity.

HeyJoles is ready to help.

We offer on-the-ground experience and proven strategies that will help you achieve your objectives with a peace of mind.

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