• 客戶須於推廣期內，在貸款申請過程中輸入優惠碼(優惠碼為FLOW)及確認貸款合約可享優惠。
• HK$100現金回贈及HK$100 Flow Dollars將於客戶成功提交申請當日起計30天後，透過現金回贈和電子優惠碼方式發放於X Wallet內，並透過X Wallet手機應用程式內的訊息通知合資格客戶。
• HK$800現金回贈將於確認貸款合約當月的最後一天起計90日後，自動發放於X Wallet的「推薦及獎賞」錢包內，並透過X Wallet 手機應用程式內的訊息通知合資格客戶。
• 客戶登入X Wallet，在「推薦及獎賞」頁面點擊「銀行資料」，填入你的香港銀行戶口資料，方可提取獎賞，轉賬以轉數快(FPS)過數，需約兩個工作天存入指定的香港銀行戶口(公眾假期或星期六、日，不被視為工作天)。

條款及細則

1. 本優惠計劃為2023年5月1日至2023年6月30日(包括首尾兩日) (「 推廣期」)。
2. 全新客戶首次申請X Wallet秒批私人貸款(X Wallet貸款)，不論成功批核與否，即送HK$100現金回贈及$HK100 Flow Dollars。此優惠不適用於客戶在本推廣優惠的過去12個月內(亦即2022 年5月1 日起)曾經申請 X Wallet的全新客戶。
3. 本優惠計劃只適用於X Wallet新客戶在推廣期內首次成功批核X Wallet 貸款，貸款額達HK$20,000或以上且確認貸款合約，或在確認貸款合約當日的12個月內沒有貸款賬戶的客戶。
4. 「新客戶」是指新賬戶之所有賬戶持有人，於開戶前 12 個月內未曾持有X Wallet之任何類型賬戶。
5. 新客戶須於推廣期內輸入優惠碼「FLOW」並提交X Wallet貸款申請，獲享HK$100現金回贈及HK$100 Flow Dollars。優惠碼必須在貸款申請過程中輸入，恕不接受任何後補或更改。
6. 使用Flow Dollars須受條款及條件約束。有關Flow Dollars服務之條款細則，請參閱相關Flow Dollars或向相關公司查詢。 https://app.flowtheroom.com/hk/zh/top-up。
7. 新客戶須於推廣期內成功批核X Wallet貸款達HK$20,000或以上且確認貸款合約，確認貸款合約日起計90天，每日貸款結欠維持已批貸款額50%或以上，可獲享HK$800現金回贈。例子請參閱上述「推廣詳情」例子。
8. 提交貸款申請的時間以Zero Finance Hong Kong Limited (本公司)的電腦紀錄為準，逾期申請，恕不接受。
9. 本優惠計劃推廣期內，客戶只能獲得此優惠乙次。不可與其他優惠同時使用。
10. 本優惠計劃的任何獎賞均不得轉讓、撤銷或退回。本公司有權以其他同等價值之Flow Dollars取代，⽽毋須另行通知。本公司並非Flow Dollars之供應商，恕不負責有關Flow Dollars之責任。一切有關Flow Dollars之責任，一概由供應商負責。客戶如對有關Flow Dollars有任何查詢、意見或投訴，請直接與有關供應商聯絡。
11. 本公司保留核實申請者身份證明資料的權利以核實身份。如申請者提供的資料不詳、不清楚、遺漏、無法聯絡申請者或無法確認其身份，本公司將保留取消該優惠資格的權利而不另行通知。
12. 所有收集之個人資料依照本公司有關個人私隱的資料政策處理。
13. 如因任何電腦、網絡、電話、技術故障而導致客戶所遞交的資料有延誤或遺失，本公司並不負上任何法律責任，客戶也不得向本公司作任何追究。
14. 本公司保留一切修訂本優惠計劃條款及細則之權利，或於任何時候停止本貸款推廣優惠計劃並無須另行通知。
15. 如本公司於優惠計劃的推廣期內或其後發現任何客戶虛報資料或不遵守本條款及細則的行為，本公司有權取消其參加本推廣優惠的資格及所獲得的優惠。
16. 新客戶參加本貸款推廣優惠計劃，即代表接受並同意本條款所有約束。如有違反，本公司有權取消其參加活動或得獎資格，並對任何破壞活動之行為保留追究法律權利。
17. 如新客戶在獎勵發放前關閉、取消或賬戶結餘少於零，其X Wallet貸款賬戶，所有獎賞亦會隨即被取消。
18. 如中英文條款有所差異，一概以中文版本為準。如有任何爭議，本公司保留最終決定權。

【Exclusive Offer for Flow members】X Wallet New Customers Enjoy up to $1,000 Cash Rebate

Promotion Code: FLOW

Promotion Period: From 01 May 2023 to 30 June 2023

Promotion Detail:

(1)    Eligible new customers who successfully apply for X Wallet Express Loan (“X Wallet loan”) for the first time, entering the promotion code “FLOW” during the application process, regardless of the application is approved or not, he/she can obtain $100 Cash Rebate + $100 Flow Dollars.

(2)    Eligible new customers who successfully apply for X Wallet Loan (for the first time with approved loan amount of HK$20,000 or above, they will entitle for HK$800 cash rebates (“cash rebate”):

The loan account must be in normal and active status (overdue, write off, frozen are all regarded as abnormal accounts), and the daily loan balance need to maintain 50% or above within 90 days upon loan contract confirmation day to entitle HK$800 cash rebate.

Examples for cash rebates:

New customers who confirmed the loan contract on 1st May 2023

30th July 2023 will be the 90th day upon the loan contract confirmation day

• To enjoy the promotional offer, the above promotion code “FLOW” must be entered during the loan application, and no subsequent supplements or changes will be accepted.
• The HK$100 cash rebate & HK$100 Flow Dollars will be issued 30 days after the date of successful submission of the application. The cash rebates & Flow Dollars promo code will be issued automatically to X Wallet and will have an in-app message to notify eligible customers about the completion of the rewards distribution.
• The HK$800 cash rebate will be automatically credited to the X Wallet "Referral and Rewards" wallet 90 days after the last day of the month in which the loan agreement is confirmed and will have an in-app message to notify eligible customers about the completion of the rewards distribution.
• To withdraw the rewards, customers can login to X Wallet, click on "Bank Details" on the "Referral & Rewards" page and fill in your Hong Kong bank account details. The rewards will be credited to the designated Hong Kong bank account in about two working days (public holidays or Saturdays and Sundays are not considered as working days).

TERMS AND CONDITIONS:

1. This promotional offer (the “Promotion”) is valid from 1 May 2023 to 30 June 2023, both dates inclusive (the “Promotion Period”).
2. Eligible new customers who successfully apply for X Wallet Personal Loan (X Wallet Loan) for the first time, regardless of whether the loan successfully approved or not, they are entitled to receive a HK$100 Cash Rebates & HK$100 Flow Dollars. This offer is not applicable to new customers who have applied for X Wallet within the past 12 months (i.e. 1 May 2022 onwards) of this promotion.
3. The promotion is only applicable to new eligible customers who successfully apply and confirm the X Wallet loan contract for the first time during the promotion period, with a loan amount of HK$20,000 or more, where customers who do not have a loan account within 12 months from the date of confirmation of the loan contract.
4. “New customer” refers to those who are not holding X Wallet loan account in past 12 months from the date of confirming the loan contract.
5. To enjoy the promotion, the promotion code "FLOW" must be entered during the loan application process, and no subsequent supplements or changes will be accepted.
6. Use of the Flow Dollars is subject to terms and conditions. For Flow Dollars Terms and Conditions of the service, please refer to https://app.flowtheroom.com/hk/zh/top-up.
7. New customers who successfully apply for X Wallet Express Loan for the first time with approved loan amount of HK$20,000 or above, and the daily loan balance need to maintain 50% or above within 90 days upon loan contract confirmation day to entitle HK$800 cash rebate. Refer to Promotion Details section with Examples as above.
8. The time for submitting loan applications is subject to the computer records of Zero Finance Hong Kong Limited (the company). Late applications will not be accepted.
9. Customer will only entitle this offer once during the promotion period. The offer cannot be used in conjunction with other promotion offers.
10. The offer is neither transferable, cancellable nor returnable. The Company reserves the right to replace the Flow Dollars with another of equal value without prior notice. The Company is not the supplier of the Flow Dollars and is not responsible for the Flow Dollars. The supplier is solely responsible for any liability in relation to the Flow Dollars. If you have any queries, comments or complaints regarding the Flow Dollars, please contact the supplier directly.
11. The company reserves the right to verify the customers’ identity. Customers will be disqualified from the offer without prior notice if the personal information provided is found to be unknown, unclear or missing and unable to contact the customers or verify the customer's identity.
12. All the personal information collected will follow the personal data privacy policies of the company.
13. The company will not accept any liability for any problems due to computer, network, telephone, and other technical issues which cause the customer to delay or miss for submitting an application. The customers cannot make any legal action or investigation to the company.
14. The company reserves the right to amend the terms and conditions of this offer or stop this loan promotion program at any time without prior notice. Any matter or dispute regarding the offer or the terms and conditions, the company reserves the right of final decision.
15. The company reserves the right to disqualify the eligibility of the customers and withdraw the rewards if the personal information provided is found to be fake or any actions breach of the terms and conditions.
16. By participating in the offer, each customer agrees to be bounded by these terms and conditions. The company reserves the rights to disqualify the eligibility of customers, and withdraw the offer and to proceed legal action, if any breach of terms and conditions.
17. If the customer closes, cancels or settle his/her X Wallet loan account before the reward is issued, all rewards will be cancelled immediately.
18. If there is any inconsistency or ambiguity between the English version and the Chinese version, Chinese version shall prevail. In case of any dispute, the company reserves the right of final decision.