Terms & Conditions (EN)

  1. Legal Disclaimer

    1. Before using any service or browsing the website, please read the following terms and conditions.
    2. This document constitutes a legally binding agreement between you and Credit Ko Limited, outlining the terms and conditions of using the website. By using the services or browsing the website or any part thereof, you will be deemed to have agreed to these terms and conditions.
    3. If you do not accept these terms and conditions, please do not use the services or browse the website or any part thereof.
    4. If you continue to use the services or browse the website after these terms and conditions have been amended, you will be deemed to have agreed to the amended terms and conditions.


    1. “Company” refers to Credit Ko Limited.
    2. “Service” refers to browsing the website (https://credit-ko.com/) and using the services provided by the Company through the website.
    3. “Website” refers to the website owned and operated by the Company or operated by the Company, including https://credit-ko.com/ (including computer and mobile versions) and any other websites operated and maintained by the Company from time to time.
    4. “Terms and Conditions” refers to these terms and conditions as well as the Company’s Privacy Policy and Personal Data Collection Statement.
    5. “User” refers to visitors and users who browse the website using electronic devices, including but not limited to computers and mobile phones (“electronic devices”), including borrowers who enter into or confirm loan agreements with the Company through the website.

    Provision of Products and Services

    1. The website provides the latest property value information to assist users in managing their accounts. Users can browse the website at https://credit-ko.com/. If any suspicious activity is detected on the website, please do not log in and immediately cease operations.
    2. The Company only provides services to jurisdictions where it is legally and timely allowed to do so under the Money Lenders Ordinance of Hong Kong, and the information on the website is not intended for individuals located or residing outside the jurisdiction of Hong Kong. Persons browsing the website must understand and comply with all relevant laws and restrictions.
    3. The provision of services by the Company is discretionary and subject to individual terms and conditions for the provision of services. The Company reserves the right to withdraw or modify services at any time without prior notice.
    4. Any loan agreements entered into by any user with the Company through the website shall be conclusively deemed to have been entered into within the territory of Hong Kong. The Company has the ultimate discretion to determine the eligibility of any individual for specific services.

    Trademarks and Copyrights

    1. The Company holds the copyright to all content on the website, including but not limited to text, graphics, links, and audio. Without the prior written consent of the Company, this content may not be modified, reproduced, stored in any accessible manner, transmitted (in any form or by any means), copied, distributed, used to create derivative works, or used for any other purpose.
    2. The content and information contained on the website, as well as the content and information delivered to users regarding the use of the website, are the property of the Company and any other third parties (as applicable). Trademarks, trade names, and logos (“Trademarks”) displayed on the website, including those of the Company and other third parties, are registered and unregistered trademarks. Any content on the website should not be interpreted as granting any license or right to use any trademarks displayed therein. The Company reserves all proprietary rights to the website.
    3. Unless limited by applicable law, by using the website, users hereby grant the Company a perpetual, royalty-free license to use any and all information or materials submitted to the Company by users through the website for any purpose deemed appropriate by the Company, including but not limited to reproduction, transmission, distribution, and publication of such information or materials.
    4. Users agree that, unless otherwise agreed in a separate direct agreement between the user and the Company, or as required by law, the Company shall have no obligation or liability with respect to any information or materials submitted to the Company by the user when using the website.

    Security Warning

    1. Avoid browsing the website through public Wi-Fi networks provided in public areas or without password protection. Especially when dealing with financial transactions, use a configured and reliable internet connection.
    2. When not using any wireless network features (such as Wi-Fi, Bluetooth, Near Field Communication NFC), or payment applications, please turn them off. When using Wi-Fi, choose encrypted networks and delete any unnecessary Wi-Fi connection settings.
    3. Do not connect electronic devices to any computer suspected of being infected with viruses; Additionally, the Company recommends installing antivirus software and setting up firewalls on electronic devices. To avoid any potential security vulnerabilities, do not browse the website on jailbroken iPhones or Android phones with root access, or on any devices whose factory system settings have been modified in unofficial ways. The Company reserves the right to refuse users to browse the website through jailbroken, rooted, or unofficially edited electronic devices.
    4. The Company recommends enabling the screen lock feature on electronic devices. Do not use easily guessable personal information, numbers, or words as passwords, and avoid using the same password as used or browsed on other network services. Do not share usernames or passwords, and do not allow others to view or use usernames and passwords. Do not leave electronic devices unattended. Close the browser after use. For security purposes, some features of the website may be disabled or the account may be logged out after 15 minutes of inactivity.
    5. If a user suspects that their username or password has been disclosed to others, stolen, or used in unauthorized transactions, the user is responsible for notifying the Company immediately; otherwise, the user remains responsible for all transactions.
    6. Regularly download and install updates and patches for mobile operating systems and browsers
    7. The Company strives to ensure the security of user data and documents transmitted through the website using encryption technology. To protect privacy and assets, users should not disclose their account, username, and password to anyone and should avoid sharing electronic devices. Additionally, the Company reminds users not to browse the website through hyperlinks contained in emails. The Company will never request users to provide account information, passwords, or any personal data via email.
    8. Using the website may involve risks, including but not limited to data or electronic device (including its settings) loss or damage, interception, interference, or alteration during transmission of instructions or messages, unauthorized use of passwords due to automatic password saving functions on some electronic devices. The Company shall not be liable for any such risks.

    Use and Disclosure of Personal Data

    1. Unless limited by applicable law, users agree that any and all personal data / information collected by the Company from time to time through the website may be used and disclosed to the persons described therein for the purposes set forth in the Company’s Privacy Policy and Personal Data Collection Statement.
    2. When users visit the website, records are made to analyze website traffic and general usage patterns. Some of this data will be collected in the form of “Cookies.”
    3. “Cookies” files are small pieces of information sent by the website server to the browser, stored on the computer’s hard drive, allowing the website server to read from the browser later, and do not collect data that can identify the user. This helps the website retain certain information about how users use the website, enabling the Company to provide more useful features to users, tailor the content of the website more closely to users’ interests, and (where applicable) provide promotional content and direct marketing to users based on their usage patterns. The Company may obtain information about how users use the website from “Cookies” files.
    4. “Cookies” files are designed to be read only by the issuing website and cannot be used to obtain user’s hard drive data, email addresses, or collect sensitive information from users.
    5. The Company also collaborates with third-party organizations to conduct research on the general use and activities of the website. These third-party organizations include Google, Yahoo, Facebook, and DoubleClick, which use monitoring technologies such as “Cookies,” “Spotlight,” and “Web Beacon” to conduct research. Through these technologies, they collect data (i) to obtain information about website users, including their demographics, behaviors, and usage patterns; (ii) to make more accurate reports; and (iii) to help improve the Company’s marketing effectiveness. They share the collected data with the Company after processing it. However, whether it’s Google, Yahoo, Facebook, or DoubleClick, none of them collect or share any data that can identify users during the research process.
    6. Most browsers are set by default to accept “Cookies” files. If users believe it is necessary, they can stop or set the browser to notify them when “Cookies” files are being set. If users set their web browser’s “Cookies” files to stop working, they may not be able to use financial products and services provided by the Company online. By accepting the use of “Cookies” files, users agree that their data may be collected, stored, read, and used as described above.
    7. If users wish to obtain more information about using and collecting “Cookies” files and choose to opt-out of the process, they can visit the following websites: Google https://policies.google.com/technologies/cookies?hl=en-US, Yahoo http://privacy.yahoo.com/privacy/us/pixels/details.html, Facebook https://www.facebook.com/legal/FB_Work_Cookies, and DoubleClick doubleclick.net.
    8. If users’ electronic devices have SD cards or other storage devices, the Company may use these storage devices to store and access encrypted application data for website operation. If users do not allow the Company to use information in this way, they can change the settings of their electronic devices at any time. In this case, users will not be able to use the website.

    Hyperlinks to Other Websites

    1. In certain circumstances, the Company may provide hyperlinks to other locations or websites through the website. These hyperlinks lead to websites published or operated by third parties with whom the Company has no affiliation or relationship. The inclusion of these hyperlinks on the website is intended to enhance the user experience and is provided for reference only. The Company endeavors to select reputable websites and sources of information to facilitate users in accessing relevant information.
    2. The Company provides hyperlinks but shall not be construed as agreeing, endorsing, approving, guaranteeing, or recommending any third party or the services/products offered on their websites, or entering into any form of cooperation with such third parties and websites.
    3. The Company shall not be responsible in any way for the content of hyperlinks. Users use these hyperlinks at their own risk, and the Company shall not be liable for any damages or losses incurred or suffered by users in connection with or related to the use of hyperlinks. The Company is not a party to any contractual arrangement between users and external website providers. The Company does not investigate, verify, monitor, or endorse the content, accuracy, opinions expressed, or other links provided by these resources.
    4. Hyperlinks to other websites, if containing downloadable software, are provided solely for the convenience of users. The Company assumes no responsibility for any difficulties encountered by users in downloading software or any consequences of such downloads. The use of any software downloaded from the internet may be subject to license agreements, and failure to comply with the terms of such license agreements may result in infringement of the intellectual property rights of the relevant software suppliers, for which the Company shall not be responsible in any way.
    5. When users click on hyperlinks and leave the website, users must comply with the terms of use and privacy policies of the other websites they are about to visit.
    6. The Company may provide hyperlinks to websites of the same group of companies on the website for the convenience of users. These linked websites may have different terms and conditions, so users should inquire about and carefully review the applicable terms and conditions before using these linked websites.

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    1. Hyperlinks Linking to This Website from External Websites
    2. Users must seek the prior written approval of the Company before establishing any form of hyperlink linking to this Company’s website from third-party websites. The Company has absolute discretion to decide whether to approve the establishment of hyperlinks. In normal circumstances, the Company will only approve hyperlinks that clearly display the name or website address of the Company. Unless in very exceptional circumstances, the Company will not approve third parties to use or display our logos, product names, and trademarks as hyperlinks, and the Company has absolute discretion to charge a certain fee for this.
    3. The Company shall not be responsible for the establishment of hyperlinks from third-party websites to the Company’s website. Any such established hyperlinks shall not constitute any form of cooperation between the Company and the third-party website or constitute the Company’s endorsement of the third-party website. Any hyperlinks linking to this website must always be active and direct hyperlinks, and may only directly link to the homepage of this website, without “framing” or “deep linking” this website or its content.
    4. The Company shall not be liable for any losses or damages incurred or suffered by users or any third party as a result of such hyperlinks. The Company reserves the right to exercise its absolute discretion to cancel any approvals granted and/or request the removal of any such links at any time without further notice or compensation.
    5. No Warranty
    6. While the Company has exercised extreme care in preparing the information and data contained on the website, such information and data are provided to users “as is” without any form of express or implied warranty (including but not limited to merchantability, ownership, suitability for a particular purpose, absence of computer viruses, non-infringement of third-party rights, compatibility, security, accuracy, and completeness), and may be changed or withdrawn at any time without prior notice.
    7. The information and data contained on the website may be provided or obtained from third-party sources believed by the Company to be reliable. The Company does not verify or warrant the accuracy, completeness, or fairness of the above information and data, and economic, statistical, financial, and valuation data are presented in approximate, summary, or simplified form, and may be changed without notice.
    8. Users should understand that any information on rates, indices, values, and property values contained on the website may be subject to time delays. The Company will endeavor to ensure but does not guarantee the accuracy and reliability of the information provided, and shall not be liable for any loss or damage caused by any inaccuracy or omission, whether in tort, contract, or other liability.
    9. The information and data contained on the website should not be construed as an offer to anyone or a solicitation of offers to sell, subscribe to, or provide any advice or opinions. The above information and data are not intended for users to rely on to make any decisions. Users should consult their own professional advisors before making any financial decisions or using services.
    10. Limitation of Legal Liability and Disclaimer Terms
    11. To the maximum extent permitted by law: – i. If any person directly or indirectly incurs any direct, indirect, consequential, special, or incidental damages, losses, or expenses through the use or reliance on any information or data contained on any website owned and/or operated by any third party with whom the Company has no connection or relationship, whether through references, hyperlinks, bookmark suggestions, or otherwise, whether due to negligence or otherwise, and in all such cases, regardless of whether the Company has been informed of the possibility of such damages, losses, or expenses, the Company disclaims all liability. The inclusion of hyperlinks does not imply endorsement by the Company of any information or data contained on the linked website. ii. The Company assumes no responsibility for any errors, omissions, or inaccuracies in the information and data contained on the website and is not responsible for any loss or damage resulting from the use or inability to use the above information and data, or any errors, interruptions, delays, or incomplete transmissions during operation, transmission without encryption or encryption failure during transmission (including downloading or uploading data), transmission not received or only partially received, transmission interruption, transmission delay, line or system failure, or computer viruses. The Company shall not be liable in any way for any direct, indirect, special, incidental, or consequential damages arising therefrom. iii. The Company neither assumes nor accepts any (whether direct or indirect) liability for any defects, errors, flaws, faults, negligence, failure to provide, or inaccuracies in the website, its content, or associated services caused in any way by viruses, trojans, worms, software bombs, or similar items or programs, and in each case, the occurrence of the above events is beyond the reasonable control of the Company. iv. In no event shall the Company be responsible for the performance, system, server, or connection failures, errors, omissions, interruptions, security vulnerabilities, viruses, malicious code, gibberish, or data errors, delays, transmissions not received or only partially received, or transmission errors related to user browsing of the website, even if the Company has been informed of the possibility of such occurrences.
    12. Users bear all risks associated with using the service. The Company does not guarantee that no viruses or other destructive properties will be transmitted to the user’s electronic devices or that the user’s electronic devices will not be damaged or make any representations in this regard. Users are responsible for establishing adequate protection and backing up data and/or devices, and taking reasonable and appropriate preventive measures to scan for viruses or other destructive properties to prevent, protect, and ensure that no viruses enter the user’s electronic devices. The Company does not guarantee the accuracy, functionality, or performance of any third-party software that may be used in conjunction with or as a result of using the service, or make any representations in this regard.
    13. The use of the service will involve the use of SMS and/or email. The use of the service, SMS, and/or email will involve the use of internet data, and users shall bear any internet data charges, including all cross-network, roaming, and/or data roaming charges. Continuously allowing the global positioning system to operate in the background will significantly reduce battery life.


    1. Users hereby agree to indemnify and hold harmless the Company from and against any lawsuits, legal liabilities, costs, claims, losses, damages, legal proceedings, or expenses (including legal fees, litigation costs, and expenses on a full indemnity basis) suffered or incurred by the Company directly or indirectly arising from or relating to the following matters:
      i. User browsing and/or using the website, and/or anyone else using the service or website, while such person or entity is able to use the user’s username and/or password to browse the service or website; or
      ii. Users or any other person or entity violating or not complying with any of these terms and conditions, while such person or entity is able to use the user’s username and/or password to browse the service or website.


    1. The Company reserves the right, at its sole discretion, to change any information or data contained in the website and the terms and conditions of use of the website without prior warning or notice.

    2. The Company may terminate user access to the website at any time, with or without cause, and without necessarily giving notice to the user.

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    1. Language
      A. The Chinese version of these terms and conditions is provided for reference only. In the event of any conflict or ambiguity between the Chinese and English versions, the English version shall prevail.
    2. Others A. Users acknowledge that these terms and conditions shall not limit any specific provisions stated in the individual terms and conditions of any particular products and services provided on the website or through the website. B. These terms and conditions are supplementary to the terms of the loan agreement established between the Company and the user.
    3. Jurisdiction and Choice of Law A. The Company operates and maintains services in Hong Kong. Although the website may be accessed or used outside of Hong Kong, all services provided through the website and all contracts entered into based on the website are deemed to be provided and entered into within Hong Kong and cannot be overturned. The Company operates the website in Hong Kong and the operation of the website is governed by Hong Kong law. B. The Company makes no representations as to whether the information and data contained on the website are appropriate or permitted for use in jurisdictions outside Hong Kong. These terms and conditions are governed by Hong Kong law, and users agree that any disputes shall be subject to the non-exclusive jurisdiction of the courts of Hong Kong.
    4. Beware of Fraudulent Employee Sales of Loan Products A. The Company occasionally receives complaints about receiving calls from individuals claiming to be employees of the Company, selling loan services. If customers and/or the public refuse the sales, they may face verbal abuse. The Company’s policy is as follows: – i. All employees have received professional training in customer service and product knowledge, and will serve customers and potential customers politely and sincerely; ii. If potential customers are not eligible for the Company’s loan services or services within the group of companies, employees will only refer such customers to other companies related, affiliated, or subsidiary to the Company with the customer’s consent; iii. The Company reserves the right to take legal action against individuals who impersonate employees of the Company or its affiliates or subsidiaries; iv. All sales calls are made directly by customer service officers of the Company, sales representatives of its branches or direct sales departments, or through authorized distributors (collectively referred to as “sales representatives”), and the calls also display telephone numbers; v. All sales representatives should have their own employee numbers. They are willing to disclose their employee numbers, branch names, department names, or the names of authorized distributors and their contact telephone numbers. B. If customers or potential customers receive any suspected fraudulent calls as described above or have any doubts, please call the Company’s customer service hotline: 2388 8530.