Terms of Use
HC Capital Group Limited ("we", "us", or "our"), a licensed money lender in Hong Kong (License No. [0778/2024]), provides these Terms of Use to govern your access and use of our official website. By accessing or using our website, you acknowledge that you have read, understood, and agreed to be bound by these terms, which incorporate our Privacy Policy and Personal Data Collection Statement. Our website is designed to provide information about our licensed money lending services and facilitate legitimate loan applications from qualified individuals in Hong Kong.
The website may only be used for lawful purposes related to obtaining information about our lending services or submitting genuine loan applications. You are expressly prohibited from engaging in any fraudulent activities, automated data scraping, attempts to circumvent our security measures, or any commercial use of the website content without our prior written consent. When using our online application system, you warrant that all information provided is complete and accurate, and you authorize us to verify your information with relevant credit reference agencies. Please note that any preliminary quotes or approvals are subject to final verification and compliance with all applicable regulations.
We implement robust security measures including encryption protocols and two-factor authentication to protect your information. As a user, you are responsible for maintaining the confidentiality of your login credentials and must immediately report any unauthorized access. All content on our website, including text, graphics, loan calculators, and proprietary tools, is our exclusive intellectual property and protected under applicable laws. While we strive to provide accurate information, we do not guarantee uninterrupted website access or loan approval, and we disclaim liability for technical issues beyond our control or third-party content linked from our site.
These Terms of Use comply with all relevant Hong Kong regulations including the Money Lenders Ordinance (Cap. 163), Personal Data (Privacy) Ordinance (Cap. 486), and Anti-Money Laundering and Counter-Terrorist Financing Ordinance. We reserve the right to modify these terms at any time, with changes becoming effective upon posting to our website. Your continued use of the website after such changes constitutes acceptance of the revised terms. These terms shall be governed by and construed in accordance with the laws of Hong Kong, with any disputes subject to the exclusive jurisdiction of Hong Kong courts. For any questions regarding these Terms of Use, please contact us at vincent.cheung@hccapitalltd.com.