Lendingpot HK Limited, Platform Terms and Conditions
Last Updated on December 26, 2025

‍1. Definitions and Interpretation

‍1.1. In these T&Cs,

(a) "Account" has the meaning prescribed to it in Clause 3.1;

(b) "Business Day" means a day (other than a Saturday or Sunday or a gazetted public holiday in Hong Kong) on which banks are open for general business in Hong Kong;

(c) "Personal Loan Application Service" means the personal loan application service as described in Schedule 1;

(d) "Personal Loan Offer" means a business financing solution, service or product provided by a RM on behalf of the financial institution or money lender they represent to a User;

(e) "Personal Loan Request" means a request by Users for RMs to provide Personal Loan Offers to them;

(f) "Platform" means the online platform https://app-personal.lendingpot.hk operated by Lendingpot to provide the Personal Loan Application Service;

(g) "Lendingpot" means Lendingpot HK Limited, a member of the IFS Capital group of companies;

(h) "Lendingpot Group" means IFS Capital Ltd and its related corporations and/or affiliates;

(i) “Relationship Managers / RMs” means relationship managers who are representatives of third-party financial institutions and/or money lenders licensed under the Money Lenders Ordinance (Cap. 163) (Hong Kong) in our network who may connect with Users who submit a Personal Loan Request to provide them with a Personal Loan Offer;

(j) "Service" means such service that we may provide from time to time on the Platform subject to the terms set out and as described in Schedule 1; and

(k) "User" means any person who accesses the Platform with the intention to or uses the Personal Loan Application Service.

1.2. The terms “we”, “us” or “our” mean Lendingpot or Lendingpot Group (as the case may be).

1.3. “You” or “your” are references to you in the capacity of a User or potential user of our Service.

1.4. These T&Cs shall be read together with the terms and conditions applicable to use of the website, including the Privacy Policy. If there is any inconsistency between the provisions of these T&Cs and the terms applicable to the website, including the Privacy Policy, these T&Cs shall prevail.

1.5. No rule of law or interpretation to the effect that an ambiguity in a document is to be construed against the party drafting or preparing a document shall apply.

1.6. Any reference to any person includes, where appropriate, a reference to its authorised agents, delegates, successors or nominees; a person includes any individual, firm, company, corporation, government, state or agency of a state, or any association, trust or partnership (whether or not having separate legal entity); and any clauses are to clauses of these T&Cs. Expressions in the singular form include the plural and vice versa.

1.7. All obligations under these T&Cs shall be binding on each person who accesses the Platform and uses or intends to use a Service.

1.8. The headings used in these T&Cs are for convenience of reference only and are not to affect the construction of or to be taken into consideration in interpreting these T&Cs. 


‍2. Intent and Scope

‍2.1. These T&Cs govern the Service made available to you.

2.2. The Services are not made available to any person in any jurisdiction where its use would be contrary to any law. Nothing on the Platform should be considered an offer or solicitation to buy or sell any service or product to any person in any jurisdiction where such offer or solicitation would be unlawful. Please note that having access to our Services cannot be construed as an offer or solicitation where such access, offer or solicitation would be unlawful in any jurisdiction.

2.3. For the avoidance of doubt, we are not a money lender and do not carry on business as a money lender in Hong Kong. The Platform and the Services are provided solely for the purpose of facilitating the submission and transmission of information and Personal Loan Requests by Users to RMs, money lenders and/or financial institutions. We do not provide credit, make lending decisions, approve or reject applications, determine loan terms, or enter into any loan agreement with any User.

3. Registration

‍3.1.    You may be required to register with us to access and use a Service. We have absolute discretion in deciding whether to register you as a User and may in any circumstance reject any registration(s) without having to provide any reason whatsoever. To register with us, you must create an account (the “Account”) on the Platform. 

3.2.     In creating the Account, you must provide accurate, current and complete information that we may require about yourself when creating the Account. If we believe your details are not accurate, current, or complete, we may reject your registration. For the avoidance of doubt, we are not obliged to check if the information submitted is accurate, current or complete. 

3.3.    We may at any time require you to provide us with additional information and documents for the purposes of verifying your identity if we deem it necessary. 

3.4.    While you are registered with us as a User, you must keep the information provided to us up to date and notify us of any changes.


‍4. Accounts

‍4.1.    We will only create an Account for you if you meet our procedures for opening of Account, including our user verification procedures. 

4.2.    You must not create more than one Account for yourself by using different email addresses or other identifying information. 

4.3.    The Account can only be used for your own transaction. You cannot use the Account to transact on behalf of any person. 

4.4.    We may suspend or terminate the Account at any time and for any reason immediately upon written notice to you. You may terminate the Account by giving at least 3 Business Days prior notice in writing to us. 


‍5. Platform Services

‍5.1.     We may from time to time provide Services on the Platform. The relevant terms and description specific to a Service will be set out in Schedule 1.

5.2.     Any Personal Loan Offer and any loan or credit facility is provided solely by the relevant RM, money lender or financial institution on their own terms and conditions. We act solely as a platform operator and facilitator and do not act as lender, creditor or principal in relation to any loan or credit facility. 


6. Representations and Warranties

‍6.1. You represent and warrant to us that:    


(a)      the obligations expressed to be assumed by you under these T&Cs constitute legal, valid, binding and enforceable obligations on you;    

(b)      the entry into and performance of these T&Cs by you do not and will not conflict with (i) any laws or regulations applicable to you, or (ii) your constitutional documents;     

(c)      you are solvent and there are no reasonable grounds to suspect that you are unable to pay your debts as and when they become due and payable;    

(d)         you will not access the Platform to use the Services if the laws of your jurisdiction prohibit you from doing so in accordance with these T&Cs;    

(e)        you will not be using the Platform for any illegal activity, including but not limited to, money laundering and the financing of terrorism;    

(f)       you are a resident of a jurisdiction in which the Services are legally allowed;    

(g)         any information contained in or provided by you is true and accurate in all material respects as at the date it was provided or as at the date (if any) at which it is stated; 

6.2.    You will promptly inform us in writing of any changes in the information provided. 

6.3.    The representations and warranties made in Clause 6.1 are deemed to be made by you by reference to the facts and circumstances each time you use a Service. 

6.4.    You acknowledge that you have made these representations and warranties with the intention of inducing us to enter into these Terms and that we have entered into these Terms on the basis of and in full reliance on such representations and warranties. 


‍7. Storage of Information

‍7.1. Information we collect may be stored in servers in Hong Kong, Singapore or other countries that may have different levels of privacy protection. To the extent allowed by any applicable law (domestic or foreign), you consent to such transfer and processing of the information in such other countries.

7.2.     We will use reasonable measures and to the extent permitted by applicable law (domestic or foreign), to maintain the security of all information collected against any loss, theft, unauthorised use, disclosure, or modification and to ensure the integrity of the information. 

7.3.    Clause 7 is not, and shall not be deemed to constitute, an express or implied agreement between us for a higher standard of security measure than that prescribed in any applicable law (domestic or foreign). 


‍8. Written Communications

‍8.1.    Any written communication to be made between us must be in writing and in English or Chinese (Traditional). Such communication may be made by mail or email. 

8.2.     Written communication from us to you will be sent to your address and email address recorded in our system; and from you to us, must be sent to our registered address or our email address at ask@lendingpot.hk. They will be deemed effective if:    

(a)       sent by mail, on the date it is delivered; and    

(b)      sent by email, on the date it is delivered (unless otherwise notified that the electronic mail was not delivered). 


‍9.    Assignment and Transfer 

9.1. We may, at any time after giving notice to you of our intention of doing so, assign or transfer any of our rights and obligations under these T&Cs to any person. You shall not assign or transfer any of your rights or obligations under these T&Cs to any person. 


‍10.    Intellectual Property 

10.1. Except as otherwise expressly stated herein, the copyright and all other intellectual property in the contents of the Platform (including, but not limited to, all design, text, sound recordings, images, links, logos, business names, trading names, service marks, trademarks, or internet domain names) are the property of the Lendingpot Group. As such, they may not be reproduced, transmitted, published, performed, broadcast, stored, adapted, distributed, displayed, licensed, altered, hyperlinked or otherwise used in whole or in part in any manner without the prior written consent of the Lendingpot Group. 


‍11.    Indemnity 

11.1. You agree to indemnify us for and keep us indemnified against all liabilities, obligations, actions, suits, claims, demands, losses and damages which we may incur or suffer, and all costs (including legal costs), charges and expenses of reasonable amount and reasonably incurred by us, arising from (a) your use of a Service and Platform, (b) any breach by you of these T&Cs, (c) the exercise of our rights under these T&Cs by us, (d) any claim by any third party against us arising from providing a Service to you, (e) your violation of any applicable law (domestic or foreign), and (f) your access and use of the products or services provided by third parties on our Platform. 


‍12. Disclosure and Disclaimer

‍12.1. The material herein prepared and the Services are for informational purposes only without regard to any particular User's investment objectives, financial situation or means and should not be relied upon solely or in isolation. You should always check the suitability, adequacy and appropriateness of the product or service that is of interest to you and it is your sole decision whether to obtain or refrain from obtaining any product or service, offered through this Platform or otherwise. If you are in doubt as to the suitability, adequacy or appropriateness of any product or service referred to on this Platform, we suggest that you seek independent professional advice before you obtain any product or service via this Platform. 

12.2. Nothing on this Platform is or shall be considered or construed as, advice, an offer, solicitation or recommendation by us or any third party to sell, buy, issue, allot or transfer, offer, advice on any product or service (including financial assistance or personal loans) or representation that any product or service is suitable for you. 

12.3. Any discussion of the risks contained herein with respect to any product or service should not be considered to be a disclosure of all risks or complete discussion of the risks which are mentioned. You should neither construe any of the material contained herein or on the Platform as business, financial, investment, hedging, trading, legal, regulatory, tax or accounting advice nor make this service the primary basis for any decisions made by or on behalf of you, your accountants, or your managed or fiduciary accounts, and you may want to consult your attorney and tax and accounting advisors concerning any contemplated transactions. 

12.4. Any views, opinions, advice or assistance which is given or provided to you by a third party after you have used this Platform do not represent our views, opinions, advice or assistance and are not checked, monitored, reviewed, verified or endorsed by us. We do not endorse, recommend or take responsibility for any third party who provides you with any views, opinions advice or assistance. You act or refrain from acting on any third party’s views, opinions, advice or assistance at your sole risk and sole discretion and you are solely responsible for any decision to act or refrain from acting on such views, opinions, advice or assistance. We are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice or assistance. 

12.5. Under no circumstances shall Lendingpot Group be liable regardless of the form of action for any failure of performance system, server or connection failure, error, omission, interruption, breach of security, computer virus, malicious code, corruption, delay in operation or transmission, transmission error or unavailability of access in connection with your accessing this Platform and/or using the Services even if the Lendingpot Group has been advised as to the possibility. 

12.6. In no event shall Lendingpot Group be liable to you or any other party for any damages, losses, expenses, costs whatsoever (including without limitation, any direct, an indirect, special incidental or consequential damages, loss of profits or loss opportunity) arising in connection with your use of this Platform and services or reliance on any information, materials or online services provided at this Platform, regardless of the form of action and even if the Lendingpot Group had been advised as to the possibility of such damages.

12.7.  Without limiting the foregoing, nothing on the Platform shall be construed as a recommendation, endorsement or selection by us of any RM, money lender, financial institution or loan product, nor as any guarantee that any Personal Loan Offer will be made available or that any loan will be approved or drawn down. 


‍13. Exclusion and Limitation of Liability

‍13.1. To the extent permissible under applicable law (domestic or foreign), we have no liability for any damages of any kind (including, without limitation, indirect, special, incidental, consequential or tort damages, or loss of profit, principle or revenue) in connection with your use of the Platform and Service even if we have been advised or are aware of the possibility such damages. 

13.2. Should you choose to obtain any product or service provided to you by a third party on their own terms and conditions, Lendingpot Group will not be responsible or liable for any loss or damage you may suffer or incur in connection with the terms and conditions applying to any contract entered into by you with any third party in relation to any product or service or for any acts, omissions, errors or defaults of any third party in connection with those terms and conditions. Further, Lendingpot Group will not be responsible or liable for any loss or damage you may suffer or incur in connection with the terms and conditions of use or the privacy policy applying to any third party website or for any acts, omissions, errors or defaults of any third party in connection with those terms and conditions of use and/or privacy policy.

13.3.  For any liability which cannot be legally excluded, and to the extent permissible under applicable law, in no event will our liability incurred in a contract year for money damages exceed:
(a)HK$500;or
(b) any fees received within that contract year.  


‍14.    Amendments 

14.1. We may amend these T&Cs at any time by notifying you by post, electronic mail, updating the T&Cs on the Platform or by such means as we may think fit. You are deemed to accept and agree to such amendments by your access to the Platform and use of the Service.  


‍15.    Severability

‍15.1. If any of the provisions in these T&Cs shall be deemed invalid, unlawful or unenforceable in any respect under any applicable law (domestic or foreign), the validity, legality and enforceability of the remaining provisions of these T&Cs shall not in any way be affected or impaired. 


‍16. Third Party Rights

‍16.1.  No person has any right under the Contracts (Rights of Third Parties) Ordinance (Cap. 623) (Hong Kong) to enforce any provision of these T&Cs. 


‍17. No Waiver of Rights

‍17.1. A failure or delay in exercising any right, power or privilege in respect of these T&Cs will not be presumed to operate as a waiver, and a single or partial exercise of any right, power or privilege will not be presumed to preclude any subsequent or further exercise of that right, power or privilege or exercise of any other right, power or privilege.


‍18. Governing Law and Enforcement

‍18.1.  These T&Cs and any non-contractual obligations arising out of or in connection with these T&Cs will be governed by and construed in accordance with the laws of Hong Kong, and you agree to submit to the non-exclusive jurisdiction of the Hong Kong courts. 


‍19.    Miscellaneous 

19.1. The information and materials herein are subject to change (including without limitation, modification, deletion or replacement thereof) without notice. The Lendingpot Group may terminate your access to the Platform and/or your use of the services on the Platform at any time without notice and without assigning any reason therefor. 


‍Schedule 1 – Personal Loan Application Service

‍1.1. The Personal Loan Application Service allows Users to submit information to be shared with RMs in order for the RMs to assess and provide a quote (if applicable) for the provision of a personal loan by a money lender or financial institution. The Personal Loan Application Service allows Users to conduct research, compare and obtain competitive quotes from multiple RMs.

1.2. Users acknowledge and confirm:
(a)        that RMs and the money lenders or financial institutions the RMs represent are not in any way affiliated or connected to us; and
(b)        that any Personal Loan Offer and any loan agreement is entered into solely between the User and the relevant money lender or financial institution.

1.3.    To submit a Personal Loan Request, you may be required to submit the following documents:    

(a)       Credit Bureau Reports;    

(b)      Payslips for the past three (3) months immediately preceding the date of a Loan Request    

(c)      Copy of your HKID;    

(d)        Address proof    

(e)       Such other information or document that we may prescribe or request at the point of application or any other time. 

1.4.    For the purposes of making a Personal Loan Request, you authorise us to disclose all relevant information that may have been provided to us to the RMs in order to receive a Personal Loan Offer in any manner we deem necessary (including but not limited to emails or through the Platform). 

1.5.    In the event that you successfully obtain a personal loan using the personal Loan Application Service with the lender in Lendingpot’s network: (a) you agree to allow and authorise the RM to disclose the loan details, such as the loan’s quantum, tenor, interest rates and any other details specific to the loan, to Lendingpot.