客戶向 Oyster Pie Solutions Limited（「本公司」）申請上述私人分期貸款。客戶確認各項資料均屬詳實。客戶明白及接受如其所提供任何不正確或虛假資料，客戶將可能觸犯香港特別行政區有關欺騙及/或虛假資料之刑事罪行。客戶並授權本公司可向任何方面查證或索取更多資料，包括但不限於向任何信貸資料機構索取有關客戶之信貸資料以進行信貸審查。
Customer hereby applies for the personal loan particularised above from Oyster Pie Solutions Limited (the“Company”). Customer confirms that the information given above is true and complete in every material respect and he understands and acknowledges that if he provides any false or incorrect information hereunder, he may commit criminal offences in relation to deception and/or providing false information under the laws of Hong Kong Special Administrative Region. Customer authorises the Company to contact any necessary party for verification or further information at any time, including but without limitation to conduct credit checks on his credit information with any credit reference agency.
Customer hereby further gives his consent to the Company that it may carry out matching procedures such as comparing data of him or other persons for credit checking or data verification, whether or not for the purpose of taking adverse action against him.
Customer agrees that the Company may use information from any credit reference bureau or agency to compare against the data provided by him for credit checking and the Company may verify data by making use of the information provided by any credit reference bureau or agency. Customer agrees that his Loan account is subject to review from time to time and the Company may access his credit report from any credit reference bureau or agency to conduct such review.
Customer confirms that no bankruptcy order is made against him and customer is neither in the process of petitioning for bankruptcy nor has any intention to do so. Customer hereby declares that he is solvent and no litigation or administrative proceedings are currently made or are pending against him.
Customer understands that in the event of any default in payment, unless the amount in default is fully repaid before the expiry date of 60 days from the date such default occurred, he shall be liable to have his account data retained by the credit reference agency for a period of up to 5 years after repayment in full.
Customer acknowledges and understands the contents of the Personal Data (Privacy) Ordinance and agrees that all his personal data may be used by the Company in accordance with the provisions of the Ordinance. Customer authorises the Company to disclose all his personal data to any credit reference bureau or agency or entity which provides for recovery services, and he agrees that any of those entities may use such information in the course of their businesses. Customer shall be responsible for all costs and expenses which may be incurred by the Company for the purposes of appointing any of such entities on each occasion.
Customer understands that for the purposes of providing the loan to him, the Company may transfer his personal data outside of Hong Kong to the Company's agent, contractor, third party service provider or business partners which provides administrative, professional advisory, telecommunications, information service, computer, payment data processing, debt collection or other services to the Company, situated in the People's Republic of China and/or overseas, where there may not be data protection laws which are substantially similar to, or serve the same purposes as, the Personal Data (Privacy) Ordinance (Cap. 486, The Laws of Hong Kong) in place. That means that the customer's personal data may not be protected to the same or similar level as in Hong Kong.
Customer agrees that the Company may use his data and/or provide his data to other person(s) to conduct direct marketing of loan related-products or services. Customer understands that, at any time, if he does not wish the Company to use or provide to any other person any of his personal data for use in direct marketing as described in the Policy, he may exercise his opt-out right by contacting the Data Protection Officer of the Company at: Data Protection Officer – Oyster Pie Solutions Limited, Unit 1705A2, 17/F, Tower 1, Silvercord, 30 Canton Road, Tsim Sha Tsui, Kowloon, Hong Kong Telephone: 3893 9999 Facsimile: 2598 8305
Customer understands and agrees that the Company reserves the sole right to decline this application or approve an amount less than that he has applied for without disclosing any reason. Customer agrees to provide further information and documentation in connection with this application, if deemed necessary by the Company. Customer also understands that this application, together with any other information provided, shall remain the Company's property whether or not this application is approved.
Customer hereby irrevocably requests and authorises the Company to have the approved loan proceeds credited to his designated bank account if this application is successful. Customer agrees and accepts that the approved Loan amount and the applicable interest rate shall be subject to the final approval of the Company and he shall pay the monthly repayment amounts, interest, and any applicable fees and charges in accordance with the Loan terms and conditions. Customer also agrees that the Company reserves the sole right to adjust the Loan interest rate, fees, and charges, and the terms and conditions at any time in accordance with the applicable code of practice.
Customer declares and confirms that he is not referred by a third party in relation to this application. Customer understands that the Company will not accept and proceed this application if it is referred by third party.
Messages sent over the Internet cannot be guaranteed to be completely secure. Customer understands that the Company will not be responsible for any damages incurred as a result of any delay, loss, diversion, alteration or corruption of any message either sent to or received from the Company at his request, over the Internet. The Company is not responsible in any manner for direct, indirect, special or consequential damages arising out of the use of this website.
Customer consents to being given any information by the Company in connection with this loan application in the form of electronic record or by electronic means pursuant to Section 15 of the Electronic Transactions Ordinance (Cap. 553, The Laws of Hong Kong), which information may be required to be given by the Company to him in writing pursuant to Hong Kong law, including but not limited to the Money Lenders Ordinance (Cap 163, The Laws of Hong Kong).
Customer confirms that he has read and understood the Contents of the Declaration, the Personal Data (Privacy) Ordinance and the Privacy Policy Statement related to this loan application and agrees to be bound by the same.