X Wallet Selected Customers Application Offer & Referral Rewards Details
Interest-free For The First Month, Extra Referral Rewards Of $200 HKTVmall E-Gift voucher For Referrer

First Month Interest-Free Offer Promo code: MEM04
Promotion Period: From Now On to 30 April 2022

 Promotion Detail

• Existing designated customers (hereinafter referred to as "customers") will receive an invitation message (Inbox/Push Notification), will enjoy two offers as below:

1. Login to X Wallet and apply for the loans (hereinafter referred to as "X Wallet Loan") at the first time in the promotion period, will receive the first month interest-free offer when he/she is successfully accepted X Wallet Loan contract. Starting from 37 days upon the promotion period, the account of the designated customer must always remain in a normal and active state (overdue repayments, bad debts, etc. are all regarded as abnormal accounts), and cannot be settled to enjoy the reward.

2. Participated in “X Wallet Member Get Member Program” (Program Link: https://zerofinance.hk/en/member-get-member-program),customers recommend his/her relatives and friends to apply for X Wallet Loan : Once the referee successfully applied for and accepted the X Wallet Loan contract, referrer can enjoy extra HKD200 HKTVmall E-Gift voucher apart from receiving HKD500 cash rewards. Each referee can enjoy HKD500 cash reward. Starting from 37 days upon the promotion period, the account of the referee must always remain in a normal and active state (overdue repayments, bad debts, etc. are all regarded as abnormal accounts), and cannot be settled, the customer is eligible to enjoy the reward.

How to Use

• To enjoy the first month interest-free offer mentioned above in Point 1 of “Promotion Detail “part, customers must enter the above promo code during the loan application process and confirm the loan contract within the promotion period.
• All the interest of X Wallet loan that are generated on the first month will be deducted automatically. The detail of the interest payment and interest deduction will be shown on the monthly statement.
• To participate in “X Wallet Member Get Member Program”, referrer can check their unique personal referral code displayed on the “Personal Referral Code” under 'Reward Program' Page. Referrer share the referral code with English letters, or the QR code, or share the link of the recommendation code to recommend the relatives or friends applying for X Wallet Loan. Referrer will be eligible to enjoy the awards if he/she applies for the loan successfully, confirms the loan contract and fulfill the requirements mentioned above in Point 2 of “Promotion Detail” part.

Terms and Conditions

1. This offer is only applicable to X Wallet customers who are designated to be invited and notified to participate.
2. Member is required to apply or recommend X Wallet Loan within the promotion period. The time of successful loan withdrawal is subject to the computer records of successful drawdown time from Zero Finance Hong Kong Limited (the company). Late withdrawal of the loan amount will not be accepted.
3. 3. Each customer can only enjoy once the first month interest-free offer mentioned above in Point 1 of “Promotion Detail” part during the promotion period.
4. The number of interest-free days in the first month is calculated based on the total number of days in April 2022 (i.e., 30 days).
5. HKTVmall $200 E-Gift voucher will be distributed to eligible customers by email from 1 June 2022 to 15 June 2022.
6. HKTVmall $200 E-Gift voucher will be sent out with a voucher redemption code. The voucher redemption code will be valid until 8 February 2023.
7. For how to redeem and use HKTVmall E-Gift voucher, please refer to: https://hktvmall.force.com/cs/s/article/How-to-download-and-redeem-a-e-Gift-Voucher?language=en_US , please contact HKTVmall directly for enquiries.
8. The redemption code of HKTVmall E-Gift voucher is only applicable to www.hktvmall.com or HKTVmall. Related terms and conditions are based on the announcement of HKTVmall without prior notice.
9. For "X Wallet Member Get Member Program" terms and conditions, please refer to https://zerofinance.hk/en/member-get-member-program for details.
10. The company reserves the right to verify the customer's identity. Customer will be disqualified from the offer if the personal information provided is found to be unknown, unclear or missing and unable to contact the customer or verify the customer's identity.
11. All the personal information collected will follow the personal data privacy policies of the company.
12. 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.
13. 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.
14. The company reserves the right to disqualify the eligibility of the customer if the personal information provided is found to be fake or any actions breach of the terms and conditions.
15. The offer cannot be used in conjunction with other discounts or promotion offers. Any matter or dispute regarding the offer or the terms and conditions, the company reserves the right of final decision.
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 customer, and withdraw the offer and to proceed legal action, if any breach of terms and conditions.
17. To enjoy the offer, the customer must register a bank account on the " Reward Program " page for receiving cash reward and ensure that the bank account entered is true, correct, and valid and is the customer's own account. The company will not be responsible for any failure to transfer the rebate rewards to the account if it is discovered or caused under any circumstances.
18. Within 30 days after the customer successfully confirms the loan contract, if he/she fails to provide the correct bank account, it will be deemed to automatically give up the relevant reward.
19. If the customer closes, cancels or settle his/her X Wallet loan account before the reward is issued, all rewards will be cancelled immediately.