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1. Interpretation and Definitions: Defines key terms used throughout the terms and conditions, including 'Application', 'Services', 'Personal Data', and other relevant terminology
2. Application Process: Details the steps for submission, processing, and acceptance/rejection of applications
3. Personal Data Collection Statement: Explains how personal data will be collected, used, stored, and shared, in compliance with the PDPO
4. Representations and Warranties: Statements from the applicant confirming the accuracy of information provided and their capacity to enter into the agreement
5. Rights and Obligations: Outlines the rights and responsibilities of both the service provider and the applicant
6. Fees and Charges: Details any applicable fees, payment terms, and methods
7. Terms of Service: Core terms governing the provision and use of services once application is approved
8. Termination: Circumstances and procedures for termination of the agreement
9. Liability and Indemnity: Limitations of liability and indemnification provisions
10. Governing Law and Jurisdiction: Confirms Hong Kong law as governing law and jurisdiction for disputes
1. Electronic Submissions: Required when applications can be submitted electronically, covering digital signatures and online processes
2. Credit Assessment: Needed for financial services applications, detailing credit check procedures and requirements
3. Special Product Terms: Required for specific products or services with unique requirements or regulatory obligations
4. Direct Marketing Consent: Optional section for obtaining consent for direct marketing activities
5. Third Party Rights: Required when third parties may have enforceable rights under the agreement
6. Joint Applicants: Needed when applications can be made jointly by multiple parties
7. Assignment and Transfer: Required when rights under the agreement may be assigned or transferred
1. Schedule 1: Fee Schedule: Detailed breakdown of all applicable fees, charges, and payment terms
2. Schedule 2: Required Documents: List of documents required to be submitted with the application
3. Schedule 3: Processing Timeline: Expected timeframes for application processing and approval
4. Appendix A: Application Form: The actual application form template with required fields
5. Appendix B: Privacy Policy: Detailed privacy policy and personal data handling procedures
6. Appendix C: Supporting Document Checklist: Checklist of required supporting documents and verification requirements
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