【X Wallet New Welcome Rewards】Get total up to $15,000 Reward Offer for X Loan / X Debt Consolidation Loan

1. The promotion period is valid from 20 June 2024 to 31 December 2024 (inclusive of both days), referred to as the “Promotion Period.
2. By applying for the “X Loan” or “X Debt Consolidation Loan,” the applicant is deemed to have read, understood, and accepted these terms and conditions. The company reserves the right to change the terms and conditions, as well as the loan rates, fees, and other amounts.
3. The provided personal information must be true and accurate. If there are any changes to personal information (including name, residential and mailing addresses, phone number, email address, or work details), the applicant should notify Zero Finance promptly for updates.
4. Approval of the loan and the terms applicable to the loan (including amount, repayment period, and loan interest rate) are at the absolute discretion of Zero Finance and depend on whether the applicant meets the following conditions to the satisfaction of Zero Finance:
   a)Providing all required documents that Zero Finance needs and can verify independently.
   b)Zero Finance reviewing and being satisfied with the applicant’s credit records with credit reference agencies.
5. Zero Finance reserves the right to set the terms and conditions of the loan, including requiring the approved loan amount to be used to fully or partially settle the applicant’s credit card or loan debts. The applicant agrees that upon successful loan application and disbursement:
   (i) The funds will be used to repay the applicant’s full or partial credit card or loan debts.
   (ii) The applicant shall provide relevant repayment/account settlement proof and/or termination records upon Zero Finance’s request (e.g., repayment, account settlement, or credit limit reduction records).
6. The handling fee for loan processing is waived.
7. The applicant agrees to make monthly repayments on the designated repayment date. If the specified date for repayment does not exist in a particular month, the last day of that month will be considered the repayment date.
8. If the applicant fails to repay the amount due on time, interest must be paid according to the loan agreement’s provisions.
9. Zero Finance reserves the right to modify these terms and conditions without prior notice.
10. Zero Finance has the right to take any steps and actions it reasonably deems appropriate to demand repayment of the loan, and interest, and enforce these terms and conditions. This may include hiring lawyers and third-party debt collection agents to recover any debts owed to Zero Finance. The applicant shall be responsible for reimbursing Zero Finance for all reasonable expenses incurred as a result of such steps and actions. The applicant also agrees and authorizes Zero Finance to disclose relevant information to such parties for debt recovery purposes.
11. Any action or omission, delay, or failure to exercise or enforce any right by Zero Finance does not constitute a waiver of that right. The partial or one-time exercise of any right or any improper exercise of any right by Zero Finance does not prevent Zero Finance from exercising that right again or exercising any other rights.
12. Any person who is not a party to these terms and conditions cannot enforce any provision of these terms and conditions under the Contracts (Rights of Third Parties) Ordinance (Chapter 623 of the Laws of Hong Kong).
13. If the customer applies for “X Debt Consolidation Loan” and the loan is successfully approved and disbursed, the Customer is required to repay all or part of the Customer’s outstanding credit card or loan amount after the loan has been successfully applied for and disbursed, and to provide proof of repayment/account settlement and/or termination of record (e.g. repayment, account settlement or credit limit downward adjustment record) upon the Company’s request.
14. A new customer is defined as someone who has not had any form of loan transaction with the company (Zero Finance Hong Kong Limited and X8 Finance) within the preceding 12 months from the application date.
15. Customers can only receive this offer once during the promotion period of this promotion program, and the number of coupon code rewards is limited while stock lasts.
16. To enjoy this offer, customers must first download and install the X Wallet App. Only applications submitted through the X Wallet App will be eligible for this offer. If the loan application is made through other channels, no rewards from this program will be granted.
17. Any rewards under this promotional program cannot be transferred, revoked, or refunded. The company reserves the right to replace them with other electronic cash vouchers of equal value without prior notice.
18. The rewards consist of two parts: X Pay e-cash vouchers and cash rebates and is applicable to eligible customers.

   – Part 1: Eligible customers who repay the installment loan amounts for the first to third installments on time will receive X Pay electronic cash voucher rewards, which will be issued to their X Wallet within 4 weeks.

   – Part 2: Eligible customers who repay the installment loan amounts for the first to thirteenth installments on time will receive cash rebate rewards, which will be issued to their X Wallet within 4 weeks and notified through messages in the X Wallet mobile application.

19. T The use of X Pay e-Cash Coupons is subject to terms and conditions. Please refer to the relevant X Pay e-Cash Coupon or contact the relevant company for the terms and conditions of the X Pay e-Cash Coupon service. https://zero-xpay.com
20. Eligible customers must set up Direct Debit Authorization at the time of loan contract confirmation. If other methods of payment are used, the promotion will not be applicable.
21. Eligible customers must have their accounts in normal active status (overdue payments, frozen accounts, bad accounts, etc.) on or before the promotion posting date to be eligible for the promotion.
22. Eligible Customers who cancel the loan on or before the promotional redemption date will not be entitled to the offers. Customers who choose to repay the loan early will be required to return the cash rebate enjoyed under the applicable promotional offer.
23. The company reserves the right to verify the applicant’s identity information for verification purposes. If the information provided by the applicant is incomplete, unclear, missing, or if the applicant cannot be contacted or their identity cannot be confirmed, the company reserves the right to cancel the eligibility for the promotion without further notice.
24. All collected personal data will be handled in accordance with the company’s privacy policy regarding personal privacy.
25. The company shall not be held legally responsible for any delays or losses in customer-submitted data caused by computer, network, telephone, or technical malfunctions. Customers shall not hold the company liable for any claims.
26. The company reserves the right to revise the terms and conditions of this promotional program or to terminate the loan promotion program at any time without prior notice.
27. If the company discovers during or after the promotional period of the program that any customer has provided false information or failed to comply with the terms and conditions, the company reserves the right to cancel their eligibility for the promotional offer and the benefits received.
28. In case of any discrepancy between the Chinese and English versions of the terms, the Chinese version shall prevail. In case of any dispute, the company reserves the final decision-making authority.