「8折轉會清數貸款優惠」之條款及細則
 - 
          The promotion period for "20% Off Transfer Loan Offer" (“this
          Offer") provided by K Cash Limited and K Cash Express Limited
          (collectively referred to as "the Company") is from 1 January 2025,
          to 31 December 2025, inclusive of both start and end dates (“the
          Promotion Period").
        
- 
          This Offer is only applicable to K Cash personal loan new
          customer ("Qualified Customer") who agrees to repay a specified
          amount of their existing loans from other banks and/or financial
          companies (“the Existing Loan") with the full or partial amount of a
          loan approved by the Company (“the Loan"). New customer is defined
          as an applicant who does not have any valid loan account with the
          Company within one month prior to the application date.
        
- 
          Qualified Customer can obtain the Loan with an annual interest
          rate equals to 80% or more of the Existing Loan's annual interest
          rate through this Offer. The final annual interest rate for the Loan
          granted to Qualified Customer will be determined based on the
          individual credit status and may vary, subject to the Company’s
          final approval.
        
- 
          During the Promotion Period, regardless of the number of
          successful applications, each Qualified Customer can only receive
          this Offer once.
        
- 
          This Offer is subject to verification and confirmation of
          eligibility by the Company (with sole and absolute discretion).
        
- 
          The Company reserves the right to grant this Offer to customers
          who meet the following conditions from the effective date of
          agreement of the Loan:
          - 
              The agreement of the Loan remains effective within three
              months;
            
- 
              No principal has been repaid early within three months; and
            
- 
              No violations of any terms of the agreement of the Loan
              occur.
            
 Otherwise, the Company reserves the right to withdraw this Offer
          from the customer and reclaim an amount equivalent to the value of
          this Offer issued as an administrative fee without prior notice.
- 
          The Company reserves the right to change the above terms and
          conditions at any time without further notice. In case of any
          disputes, the Company retains the final decision regarding this
          Offer.
        
- 
          Persons who are not parties to this Agreement shall have no right
          to enforce any provisions of this Agreement under the Contracts
          (Rights of Third Parties) Ordinance (Cap. 623 of the Laws of Hong
          Kong) or to enjoy any benefits under any provisions of this
          Agreement.