I hereby give my consent to and authorize TransUnion Limited to access all or part of my consumer credit data which may be held in its database from time to time (“My Credit Data”) and to
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- match all or part of My Credit Data against the information I provided and transferred by Kcash.hk to TransUnion Limited; and
- generate questions directly or indirectly from any or all of the information contained in My Credit Data whether on its own or in conjunction with other source of information, collect responses to such questions from me and match such responses against any information contained in My Credit Data
for the purpose of verifying my identity as part of assessment of my credit related risks in relation to my Loan application and thereafter to process, use and transfer the result of the verification or any data arising therefrom to Kcash.hk; and
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use or process My Credit Data whether on its own or in conjunction with other source of information; and transfer My Credit Data to Kcash.hk for the purpose of assessment of my credit related risks in relation to my Loan application.
I further acknowledge and agree that the access and use of My Credit Data by TransUnion Limited in the manner described above shall not be made the basis for any complaint, claim, suit, demand or cause of action or other proceedings against TransUnion Limited by me.
Loan Application Declaration and Guidance Notes
Please note that in order to protect your rights, you must read this declaration carefully (“Declaration”).
Guidance Notes on Loan Application:
Misrepresentation or Fraud
The information and declaration provided by applicant or Borrower on the loan application form will be considered to be the basis of which the loan is advanced. Any misrepresentation or false declaration made by the applicant or Borrower will lead to the termination of the loan applied for or of the related contract. Moreover, if Kcash.hk suffers any loss from any misrepresentation or false declaration, Kcash.hk reserves the right to recover the loss from applicant or borrower pursuant to, including but not limited to, the Misrepresentation Ordinance (Cap 284).
Declaration of Loan Application
I hereby declare that the statements and particulars given in my application are true and complete to the best of my knowledge and belief. I agree that this contract is based on the content of the loan application form, including but not limited to my statement and declaration, and this loan contract will be effective as specified only after the acceptance of the application by Kcash.hk and the signing of the contract. I declare that I have not withheld any material facts from Kcash.hk (such as any facts relevant to Kcash.hk’s decision whether or not to accept my loan application) and that if I have withheld any material facts, this loan application shall be terminated and/or the signed contract (if any) shall be revoked, and any sums of money which have been advanced to me under the loan application or signed contract (if any) shall be transferred back to Kcash.hk. I further declare that I am not subject to any bankruptcy order and I am not in the process of petitioning for bankruptcy nor have I any intention to do so.
I hereby acknowledge and agree that:
The personal data and information provided by me in respect of this application include but are not limited to the following:
- The information about the applicant completed on the application form is my personal information including but not limited to my name, identity card number, property information; and
- There is no act of forgery, fabrication, or the stealing of another person’s identity and information in the application for this loan; and
- I understand that forging identity card information for the purpose of making a loan application is a criminal offence which may contravene Section 18 of the Theft Ordinance (Cap 210), and possessing or stealing another person’s Hong Kong identity card or other identity document and information is also a criminal offence which may contravene Section 7A of the Registration of Persons Ordinance (Cap 177) and will render me liable to be sentenced to imprisonment if convicted of the offence.
客戶向K CASH LIMITED (下稱「本公司」)申請參與此「太陽能光伏系統工程月供計劃」(此貸款)，必需同意下述條款及細則約束。
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貸款性質
● 此貸款是由本公司提供的無抵押純私人貸款產品，目標客戶為因需要安裝太陽能供電系統而需要資金的業主。
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月供計劃 及 分期付款期：
● 月供計劃是指由本公司提供的無抵押純私人貸款的貸款月供計劃，即此貸款為一項貸款月供計劃；
● 如本公司成功批核此貸款，貸款的償還將會以每月供款方式分期償還；
● 貸款月供計劃的分期付款期(還款期)，客戶可申請由最少12個月至最長60個月。最終客戶獲批核的還款期，本公司將按市場狀況、個別客戶之實際情況及客戶個人信貸報告紀錄而決定。
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貸款額度：
● 此貸款可獲批的貸款額度最高為港元100萬；或工程費之90%，以較低者為準;
● 客戶最終獲批核的貸款額度，本公司將按市場狀況、個別客戶之實際情況及客戶個人信貸報告紀錄而決定；
● 貸款申請須符合信貸紀錄要求，而客戶提供之申請資料須與信貸報告所列之紀錄相同，有關資料亦會影響客戶最終獲批核的貸款額度。
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免責聲明：
● K CASH LIMITED只是提供私人貸款產品予客戶，並不涉及客戶與任何安裝太陽能供電系統承辦商的任何合約及協議，有關客戶安裝太陽能供電系統的一切事宜K CASH LIMITED均不會負上任何責任；
● K CASH LIMITED只是提供私人貸款產品予客戶，並不涉及客戶與任何電力供應公司的任何合約及協議，有關客戶太陽能供電系統與電力供應公司的一切回報協議事宜K CASH LIMITED均不會負上任何責任。
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保留權利：
本公司保留一切有關批核此貸款申請之權利，有權隨時終止或更改以上條款和細則之權利而毋須另行通知。
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如有任何爭議：
● 以本公司紀錄為準；
● 本公司保留最終決定權。
- 上述優惠受此條款及細則約束，詳情請向客戶服務主任查詢，電話 :2111 1211。
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Summary of the Money Lenders Ordinance Provisions
