You shall and are advised to carefully read and understand our terms and  conditions below (hereinafter called the "Terms") before deciding to apply for loan  through our Mobile Application (SHG Mobile App).

1.   PRODUCT FEATURES

• Maximum Loan Amount  : 100USD - 60,000 USD
• Interest rate                          : 18% p.a.
• Term                                       : 6 months - 72 months
• Loan management fee     : 0.1% (minimum 5$)
  

2.  DEFINTION

•   RURAL CREDIT INSTITUTION refers to S.H.G FINANCE PLC., a company  registered under the laws of the Kingdom of Cambodia.
• CREDIT APPLICANT refers to person who applies for personal loan by using  SHG Mobile App and agrees with the process of loan application until loan  is denied or successful. 
• BASIC INFORMATION refers to the information and other necessary  documents provided by Credit Applicant to Rural Credit Institution using  SHG Mobile App for the purpose of credit evaluation, in which the  information may include name, gender, date of birth, place of birth, address,  occupation, financial statements, and other supporting documents. 
• ZILLENNUIM CO., LTD. refers to the companies are subsidiaries and  classified as companies under ZILLENNUIM CO., LTD ., and list of companies  can be changed and modified at any time. 
•   BUSINESS PARTNERS refer to business partners related to ZILLENNUIM CO.,  LTD..
• ZPOIN ACCOUNT refers to S.H.G FINANCE PLC. Account that you are  holding including payroll account, Hattha bank account and other accounts  that you have requested loan at S.H.G FINANCE PLC..
• SHG MOBILE APP refers to application on mobile phone that is exclusively  belonged to Rural Credit Institution, which is a tool that you can use to  apply for loan application.
• KYC (Know Your Client) refers to details information of clients contained in  the Mobile App applicable for loan recognition and approval.

3.  CONDITIONS FOR CREDIT APPLICATION 

You may apply for loan by fulfilling the conditions as follows :

(1) Be at least 18 years old ;

(2) Hold Khmer Nationality;

(3) For foreigners living in Cambodia, have a valid Visa for more than 180 days  (6 months).

(4) Have sufficient documents to fulfill loan requirement.

(5) Have ZPoin Account with S.H.G FINANCE PLC..

(6) Open new Account or have existing Account with Hattha bank account  business partner of S.H.G FINANCE PLC . and such account shall be active.

(7) Be a current employee of ZILLENNUIM CO., LTD. , or its subsidiaries or its  business partner related when applying for loan.

(8) Download and install ZPoin App, Hattha Bank Mobile App and SHG Mobile  App before applying for loan. We reserve the rights to grant or deny loan at our discretion.

4.  CUSTOMER CONSENT

Before using this service, you have agreed as follows:

• You have read and verified the terms and conditions carefully.
• You agreed to accept all the Terms.
• You have assessed and clearly understood about this loan service. You shall  obtain consultation financial or independent taxes expert before applying for  loan. You agreed to comply laws and regulations in force, and other  guidelines related to security procedure as required for credit application.
• You warrant that you have sufficient legal capacity to apply this loan service.
• We reserve rights to modify or update on these Terms at any time by  providing notice via SHG Mobile A pp . In such case, if you continue using our  App, it is assumed that you agree on the modified the Terms.

5.  KNOW YOUR CUSTOMER

You are required to provide information and supporting documents for the  purpose of KYC as required by laws and regulations

6.  CREDIT SIZE

Rural Credit Institution will assess your information provided through SHG  Mobile App and may require some additional information for approving  your credit amount. Such information will be used for credit valuation for a  single application.

7.  SERVICE CHARGE

You agree to pay any service fee set out by S.H.G FINANCE PLC., and allow  the Rural Credit Institution to deduct such fees from your account directly  without any prior notice.

8.  CREDIT DISBURSMENT

Rural Credit Institution agreed to disburse your credit via Hattha Bank  Account or other business partners of Rural Credit Institution in case loan  agreement and credit supporting documents are fully completed. Credit  Disbursement is a one-time and full-time.

9.  DURATION OF CREDIT

Each loan consist of a specified duration. you may choose available options  provided in the SHG Mobile App.

10.  INTEREST RATE 

Y ou agree to repay to the principal and interest to Rural Credit Institution  following the interest rate and conditions that you accepted. 

11.  LOAN REPAYMENT 

Credit repayment including principal amount and interest shall be made on  your salary payday as specified in the repayment schedule (each monthly  repayment is fixed). Rural Credit Institution is entitled to deduct the amount  on the due repayment date directly from your ZPoin account. In case your  balance is not sufficient, you have obligation to deposit credit into your  ZPoin Account.

12.  VIOLATION OF THE TERMS

You are considered to have violated the Terms if:

(1) You materially violate the provision of the Terms.

(2) Any repayment of interests, administration fees, and/or any installments  was not made on the due date.

(3) Rural Credit Institution has reasonable evidence that you carry out  fraudulent act, falsify the information or other supporting documents  purposely in order to obtain loan approval. In case that you violate the  condition provided above , Rural Credit Institution reserves rights to take  administrative measures and legal actions against you. In addition, Rural  Credit Institution will no longer allow you to apply for any loan at S.H.G  FINANCE PLC.

13.  VALID PERIOD

This Terms shall be entered into forced when you agreed in the box below.

14.  ACCOUNT CEASURE AND DELETION

You may delete your account by yourself at the office of Rural Credit  Institution.  Your account may also be deleted in accordance with the provision of laws.  Before your account is deleted, you shall withdraw all remaining amount  from account, otherwise the remaining amount will be disposed in  accordance with the provision of laws.

15.  LIMITED LIABILITY

Rural Credit Institution will make an effort to ensure the security and  integrity of SHG Mobile App. However, in the event of technical error or  default, Rural Credit Institution will commit to adjust as fast as possible. It is  wise to acknowledge that any transfer, storage and data record may be  disturbed or stolen by a third party. In such a case, Rural Credit Institution  will take immediate administrative action; however, we will not be  responsible for any loss occurred on the customer arising from any  interruption, technical error, violation made by any third party or infected  from any computer viruses. 

1 6.  CUSTOMER RESPONSIBILITY

When using this mobile app, you shall carefully verify the information. You  are responsible for any pressing the button in this mobile App.

17.  E-SIGNATURE RECOGNITION 

You fully understand and acknowledge that entering the code via (SMS) or  password (PIN) from your ZPoin Account is an electronic signature valid  under law. In addition, you shall visit our office to conclude a separate loan  agreement, if required.

18.  INFORMATION USAGE AND SHARING

You hereby allow Rural Credit Institution to check and extract your personal  and credit information from CREDIT BUREAU (CAMBODIA) CO., LTD. (“CBC”) and share such information to other credit institution partners. You  also agreed that Rural Credit Institution may keep your information and  data for business transaction at present and in the future.

19.  DISCLAIMER

You agree to use SHG Mobile App and loan service by accepting all Terms  stated herein. Our directors, staffs, and subsidiaries of SHG Mobile App,  service provider, information provider, and other related person/entity shall  not be held liable for any loss or claim directly or indirectly, at present or in  the future, arising from usage or dependency on information or contents on  SHG Mobile App, its production, distribution, display, modification, deletion,  default, or malfunction etc. In case, our disclaimer does not comply with any  law or regulation in the Kingdom of Cambodia or if our warranties lead to  any prejudices, we will at our best effort attempt to adjust our warranty  terms accordingly. In case any claim against us shall not be exempted, we  will only take responsibility in the minimum extent as required by law.

20.  APPLICABLE LAW AND DISPUTE RESOLUTION

The usage of our SHG Mobile App, and the application of the entire Terms  here in shall be governed by the laws of the Kingdom of Cambodia. If a  dispute arises between you and Rural Credit Institution regarding any of  these Terms, at first, an amicable discussion shall be made between Parties  in an attempt to reach an appropriate solution that is efficient and  cost-effective within three (3) months. Parties shall negotiate and exercise  maximum restraints to compromise and rectify the acts, in a spirit of  cooperation and friendship, without having to resort to a third-party.  However, if the dispute cannot be resolved after three (3) months, any Party  can eventually be referred to the applicable jurisdiction of the Courts in  Cambodia.

21.  OTHER CONDITIONS

Invalidity or inapplicability of any provision in these Terms shall not affect  other  provisions. This  Terms herein shall create obligations for the successor or  representative, and assignor of both the borrower and Rural Credit  Institution. This  Terms were made in Khmer and English Languages with equal value.  In the event of controversy between the two languages, Khmer language  shall prevail.

22.  SEVERABILI TY

All provisions, conditions, and obligations referred herein represent as the  entire agreement between you and Rural Credit Institution. Any prior  agreement or understanding, if any, which is not included in these  conditions shall not be enforceable. In the case, there is any discrepancy  between the newer terms and the older terms, the newer terms shall  prevail.

23.  INQUIRIES, SPECIAL REQUESTS, OR ASSISTANCE NEEDED

If you have any inquiry, special request, or assistance with regard to any of  these terms, please feel free to contact Rural Credit Institution via (+855) 85 272 926.  Our team will promptly respond to and/or take appropriate measures to respond  to your request in a reasonable period of time.