【🍎 Limited-Time Surprise】Successful Loan Draw Down Gives You a Chance to Win the Latest Flagship Duo Smart Phone
Promotion Period: 16 September 2026 to 15 October 2026 (subject to loan draw down time)
Promotion Details:
The latest hot tech topic has arrived at X Wallet! During the promotion period, simply confirm your X Cash.AI loan contract and draw down the loan, then complete the Q&A mission. If your answer is creative enough, you will have a chance to win the latest flagship Duo smart phone (valued at $17,499) or a $6,000 Apple Gift Card. Whether or not you entered a promo code upon application, you are eligible to participate!
3 Simple Steps to Join:
- Successful Loan Draw Down: Confirm your X Cash.AI Loan contract and draw down the loan between September 16, 2026, and October 15, 2026.
- Answer the Question: On or before October 15, 2026, answer one simple question at the bottom of this promotion page:
“If the dual screens of the latest flagship Duo smart phone could handle two things for you simultaneously, what dream would you most want it to help you realize on one screen, while solving your financial challenges on the other?”
(Each eligible customer may submit once during the promotion period. Repeated submissions will be disregarded and only the first submission will be counted.)
- Win Rewards: X Wallet will select the winners with the most creative answers to win fabulous rewards corresponding to their tier! The winner list will be announced on this promotion page on or before November 30, 2026, and winners will be notified via message in the X Wallet App.
Reward Details：
- Participants are categorized into tiers based on their loan draw down amount:
Tier | Loan Amount | Most Creative Answer Reward | Reward Quota |
1 | $100,000 or above | Latest Flagship Duo Smart Phone 256GB x 1 (Valued at $17,499) | 1 |
2 | $20,000 – $99,999 | $6,000 Apple Gift Card x 1 | 1 |
- Maintain a normal and active X Cash.AI loan account (delayed repayment, bad debt, account freezes, etc., will be perceived as abnormal account) from the X Cash.AI Loan contract effective date till rewards redemptionday, and ensure the account is not yet settled or closed.
Reward Redemption Details:
- After receiving the reward redemption notification, winners must fill out an online form to register the date and time for redemption, and redeem the reward in person at the redemption location designated by The Company.
- Winners must present the redemption notification and sign an acknowledgement of receipt in order to redeem the reward. Failure to redeem within the registered date and time will not be entertained. If the registered date or time needs to be changed, the winners must contact The Company at least three (3) business days prior to the original registered date. Any revised redemption date and time may only be selected for time slots after the original date and time.
- Rewards can only be redeemed in person at designated locations, and cannot be given by post nor collecting on behalf of others.
- The brand, model, color, and specifications of the reward are subject to the actual item provided.
Terms and Conditions:
- This Promotion is valid from 16 September 2026 to 15 October 2026 (both dates inclusive) (“Promotion Period”).
- The draw down time of the loan for this Promotion is subject to the system record of Zero Finance Hong Kong Limited (“The Company”). Late draw down will not be accepted.
- Only valid HKID cardholders aged 18 or above are eligible to participate in this Promotion.
- To avoid any conflict of interest, employees of The Company are prohibited from participating in this Promotion.
- A Customer must, within the Promotion Period: (1) confirm the X Cash.AI Loan contract; (2) successfully draw down the loan under such contract; and (3) submit responses to the question on this promotion page, in order to be deemed to have participated in this P
- During the Promotion Period, customers may submit their answers once; repeated submissions will be disregarded and only the first submission will be counted.
- Winner will be selected by The Company based on an overall assessment of the creativity, relevance to the topic, and overall presentation of the answers. The Company reserves its absolute right on the winner list, rewards issuance decision or any disputes.
- Customers must keep their X Cash.AI loan account normal and active (delayed repayment, bad debt, account freezes, etc., will be perceived as abnormal account) from the X Cash.AI Loan contract effective date till rewards redemption day. If they close, cancel the X Cash.AI loan account, or settled the loan before the rewards release, all the rewards awarded under this Promotion will be forfeited.
- The Rewards under this Promotion are non-transferrable, non-reversible and non-refundable. If a reward cannot be provided due to circumstances beyond the Company’s control, the Company reserves the right to substitute it with a reward of equal or similar value without prior notice. The brand, model, color, and specifications of the reward are subject to actual item provided. The Company will not be responsible for any expenses, inconvenience, or costs resulting from campaign delays, postponements, or cancellations.
- The Company is not the supplier of the rewards. The information, images, or stated values of the relevant prizes included in promotional materials are for reference only. The Company is not responsible for any differences between their stated values and their actual market retail Any disputes relating to the rewards are not related to the Company.
- The Company has no responsibility for any transportation, shipping, or similar costs incurred in relation to redeeming the rewards. Winners must understand and agree that regardless of the reasons, if winner is unable to enjoy any gift or suffer personal injury or loss of property during the process of enjoying the rewards, The Company shall not be liable.
- The Company reserves the right to check the Proof of Identity to verify the identity of the Winner. If the information provided by the Winner is incomplete, unclear, missing, or if the Winner cannot be contacted or their identity cannot be verified, The Company reserves the right to disqualify their eligibility to this Promotion without prior notice.
- The Company reserves the right to disqualify the eligibility of any customer and forfeit their rewards for any provision of false information or breach of the Terms and Conditions within or after the Promotion Period.
- All personal data collected will be processed in accordance with the Privacy Policy of The Company.
- The Company will not accept any liability for any delays or losses of application data submitted by customers due to any computer, network, telephone, and other technical issues. Customers shall not hold The Company accountable.
- The Company reserves the right to amend these Terms and Conditions or suspend this Promotion at any time without any prior notice.
- By participating in this Promotion, customers accept and agree to be bounded by these Terms and Conditions. The Company reserves the right to disqualify the eligibility of participation or to the rewards of customers for any breach of these Terms and Conditions, and to pursue legal action against any behavior that disrupts the event.
- The Company reserves its absolute right on any loan approval decision, rewards issuance decision or any disputes.
In the event of any discrepancies between the English version and the Chinese version of these Terms and Conditions, the Chinese version shall prevail.
