Last updated: January 2026 · Registration Number: 33672200 · Sha Tin Group, Hong Kong SAR
These Terms and Conditions govern your access to and use of Sha Tin Group's website, borrower portal, broker portal, and direct private lending services. By registering an account, submitting a loan application, or using any of our digital platforms, you agree to these terms in full. If you do not agree, you must not use our services.
1. Services. Sha Tin Group provides direct private lending to individuals and companies at 3% per annum interest. We offer LOAN products to Private Individuals and Companies. All lending decisions remain at our sole discretion based on underwriting, documentation verification, risk assessment, and compliance review. Conditional approval does not guarantee final approval or disbursement.
2. Eligibility. Applicants must be at least 18 years of age, provide accurate and complete information, and possess viable projects with demonstrated repayment capacity. Companies must provide valid registration documents. False, misleading, or incomplete information constitutes grounds for rejection, account suspension, and potential legal action.
3. Registration & Application. Borrowers complete six registration stages; brokers complete five. You must upload required documents including passport (Stage 5 for borrowers), utility bill, executive summary, and company registration where applicable. Progress is saved automatically. You may log out and resume later. Submission constitutes a formal loan application.
4. Fees. Upon conditional approval, government registration fees of USD 20,250 apply for document validation, legalisation, and treasury registration in Hong Kong and China. Legal representation fee of USD 8,000 applies for remote loan closure. Fees cannot be deducted from approved loan balances. Broker commission of 2% applies to successfully funded referrals.
5. Repayment. Borrowers must repay principal and interest per the agreed schedule in the executed loan agreement. Late payments incur penalties specified in individual agreements. Default may trigger collateral enforcement, legal proceedings, and reporting to relevant authorities.
6. Account Conduct. You are responsible for safeguarding login credentials. Notify us immediately of unauthorised access. We may suspend accounts for suspicious activity, incomplete registration, or regulatory requirements.
7. Confidentiality. Both parties agree to maintain confidentiality of proprietary information exchanged during the lending relationship, subject to legal and regulatory disclosure obligations.
8. Intellectual Property. All website content, branding, logos, and materials are property of Sha Tin Group. Unauthorised reproduction or distribution is prohibited.
9. Limitation of Liability. Sha Tin Group's liability is limited to fees paid directly to us. We are not liable for indirect, consequential, or incidental damages arising from service use, third-party delays, or force majeure events.
10. Governing Law. These terms are governed by the laws of Hong Kong SAR. Disputes shall be resolved through binding arbitration in Hong Kong unless otherwise agreed in writing. Contact: info@shatin-hk.com | 39/F Wang Kwong Rd, Kowloon Bay | www.shatin-hk.com
