融富信貸有限公司(“本公司”)將不時根據適用的香港法律及條例盡力保護資料的私隱。本通告乃知會各客戶及其他個別人仕有關本公司的資料政策。
A. 資料當事人在開立或延續戶口、建立或延續信貸或要求本公司提供服務時，需要不時向本公司提供有關的資料。
B. 若未能向本公司提供該等資料可能會導致本公司無法開立或延續信貸或提供財務服務。
C. 資料當事人與本公司在正常業務往來過程中，本公司亦會收集資料當事人的資料。例如，申請貸款或延續貸款戶口。
D. 資料當事人的資料可能會用於下列用途：
- 提供服務和信貸便利給客戶之日常運作；
- 在資料當事人申請信貸時進行的信貸調查，及每年進行一次或以上的定期或特別審查；
- 編制及維持本公司的信貸評分模式；
- 協助其他財務機構作信用檢查及追討債務；
- 確保資料當事人維持可靠信用；
- 設計為資料當事人使用的財務服務或有關產品；
- 推廣財務服務或有關產品及其他促銷標題(詳情請參考下列G段)；
- 計算本公司與資料當事人之間的債務；
- 向資料當事人及為資料當事人的責任提供抵押的人士追收欠款；
- 本公司為履行任何對其有約束力的法例的規定而作出披露；
- 使本公司的實在或建議承讓人，或本公司對資料當事人的權利的參與人或附屬參與人評核意圖成為轉讓，參與或附屬參與的交易；及與上述有關的用途。
E. 本公司會對其持有的資料當事人資料保密，但本公司可能會把該等資料提供給下述各方作第(D)段列出的用途：
- 任何代理人、承包人、或向本公司提供行政、電訊、電腦、付款或其他與本公司業務運作有關的服務的第三方服務供應者；
- 任何對本公司有保密責任的人，包括本公司集團內已承諾保持該資料保密的公司；
- 信貸資料機構；而在客戶欠賬時，則可將該等資料提供給收數公司；
- 本公司在根據對本公司具法律約束力的規定下而有責任對任何人作出披露；及
- 本公司的任何實在或建議承讓人或就本公司對客戶的權利的參與人或附屬參與人或受讓人。
F. 根據條例中的條款及根據條例核准和發出的個人信貸資料實務守則，任何資料當事人有權：
- 查核本公司是否持有他的資料及查閱該等資料；
- 要求本公司改正任何有關他的不準確的資料；
- 查明本公司對於資料的政策及慣例和獲告知本公司持有的個人資料種類；
- 查詢並獲本公司回覆，例行向信貸資料機構或收數公司披露的個人資料類別，及獲本公司提供進一步資料，以便向有關信貸資料機構或收數公司提出查閱和改正資料的要求；及
- 在結束賬戶時，如賬戶已悉數清償，可指示本公司要求該信貸資料機構，從資料庫刪除本公司曾經提供的賬戶資料，惟是項指示須於結束賬戶後五年內發出，而該賬戶在緊接結束之前五年內，並無拖欠超過60天的記錄。假如該賬戶有拖欠超過60天的記錄，信貸資料機構可以保留有關記錄，直至欠款悉數清償之日起計滿5年為止，或本公司接獲的解除破產令生效日期起計滿5年為止，以較早發生者為準。
G. 使用資料作直接促銷
本公司擬使用資料當事人的資料作直接促銷及本公司須為此目的取得資料當事人同意(包括資料當事人不反對之表示)。因此，請注意以下：
- 本公司持有資料當事人的姓名、聯絡詳情、產品及服務投資組合信息、交易模式及行徑、財務背景及統計資料可不時被本公司用於直接促銷；
- 以下服務類別可作推廣：
- 信貸及相關服務和產品及授信；
- 獎賞、年資獎勵或優惠計劃及相關服務和產品；
- 本公司的聯名合作夥伴提供之服務和產品(有關服務和產品的申請表上列明)；及
- 為慈善及或非牟利的用途之捐款及資助；
- 上述服務、產品及促銷標的可能由本公司及/或下述人士提供或徵求(如涉及捐款及資助)：
- 本集團之任何成員；
- 第三方金融機構；
- 第三方獎賞、年資獎勵、聯名合作及優惠計劃供應商；
- 本公司及本集團之聯名合作夥伴(有關服務和產品的申請表上會提供聯名合作夥伴的名稱(視屬何情況而定)；及
- 慈善或非牟利組織；
- 除本公司推廣上述服務、產品及標的外，本公司同時擬提供列明於上述第(G1).段之資料至上述第(G3.)段的所有或其中任何人士，該等人士藉以用於推廣上述服務、產品及標的，而本公司須為此目的取得資料當事人同意(其中包括資料當事人不反對之表示)；
- 本公司如以上第(G4.)段所述將資料提供予其他人士可能會獲得金錢或其他財產的回報。如本公司會因為提供資料予其他人士而獲得任何金錢或其他財產的回報，本公司會於以上第(G4.)段所述徵求資料當事人同意或不反對時如是通知資料當事人。
若資料當事人不願意本公司使用或提供其資料予其他人士，藉以用於以上所述之直接促銷，資料當事人可通知本公司以行使其不同意此安排的權利。
H. 根據條例的條款，本公司有權就處理任何查閱資料的要求收取合理費用。
I. 任何關於查閱或改正資料，或索取關於資料政策及慣例或所持有的資料種類的要求，應向下列人士提出：
資料保障主任
融富信貸有限公司
香港灣仔港灣道26號華潤大廈43字樓4303室
電話：28777726
傳真：28777736
J. 本公司在批核信貸申請時，可能參考由信貸資料機構提供有關客戶的信貸報告。假如客戶有意索取有關報告，可要求本公司提供有關信貸資料機構的聯絡詳情。
K. 本通知不會限制資料當事人在個人資料（私隱）條例下所享有的權利。
中英文本如有岐異，應以英文本為準。
Notice to Customers relating to the Personal Data (Privacy) Ordinance (the "Ordinance")
Delta Wealth Credit Limited (the “Company”) from time to time is committed to protecting data privacy in accordance with applicable Hong Kong legal and regulatory requirements.
A. From time to time, it is necessary for data subjects to supply the Company with data in connection with the open or continuation of accounts and the establishment or continuation of credit facilities or provision other financial services.
B. Failure to supply such data may result in the Company being unable to provide or continue credit facilities or provide financial services.
C. It is also the case that data are collected from data subjects in the ordinary course of the continuation of the business relationship. For example, when the data subjects process of new or renewal of loan application or other financial services.
D. The purposes for which data relating to the data subjects may be used are as follows: -
- the daily operation of the services and credit facilities provided to the data subjects ;
- conducting credit checks at the time of application for credit and at the time of regular or special reviews which normally will take place one or more times each year;
- creating and maintaining the Company’s credit scoring models;
- assisting other financial institutions to conduct credit checks and collect debts;
- ensuring ongoing credit worthiness of data subjects;
- designing financial services or related products for data subjects ' use;
- marketing financial services or related products and other subjects (please see further details in paragraph (g) below;
- determining amounts owed to or by data subjects;
- collection of amounts outstanding from the data subjects and those providing security for data subject’s obligations;
- meeting the requirements to make disclosure under the requirements of any law binding on the Company;
- enabling an actual or proposed assignee of the Company, or participant or sub-participant of the Company's rights in respect of the data subjects to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation; and
- purposes relating thereto.
E. Data held by the Company relating to the data subjects will be kept confidential but the Company may provide such information to the following parties for the purposes set out in paragraph (D): -
- any agent, contractor or third party service provider who provides administrative, telecommunications, computer, payment or other services to the Company in connection with the operation of its business;
- any other person under a duty of confidentiality to the Company including a group company of the Company which has undertaken to keep such information confidential;
- credit reference agencies, and, in the event of default, to debt collection agencies;
- any person to whom the Company is under an obligation to make disclosure under the requirements of any law binding on the Company; and
- any actual or proposed assignee of the Company or participant or sub-participant or transferee of the Company's rights in respect of the data subjects.
F. Under and in accordance with the terms of the Ordinance and the Code of Practice on Consumer Credit Data approved and issued under the Ordinance, any data subject has the right: -
- to check whether the Company holds data about him and of access to such data;
- to require the Company to correct any data relating to him which is inaccurate;
- to ascertain the Company 's policies and practices in relation to data and to be informed of the kind of personal data held by the Company ;
- to be informed on request which items of data are routinely disclosed to credit reference agencies or debt collection agencies, and be provided with further information to enable the making of an access and correction request to the relevant credit reference agency or debt collection agency; and
- n relation to data which has been provided by the Company to a credit reference agency, to instruct the Company upon termination of an agreement by full repayment to make a request to the credit reference agency to delete such data from its database, as long as the instruction is given within five years of termination and at no time did he agreement have a default of payment lasting in excess of 60 days within 5 years immediately before agreement termination. In the event the agreement has had a default of payment lasting in excess of 60 days the data may be retained by the credit reference agency until the expiry of five years from the date of final settlement of the amount in default or five years from the date of discharge from a bankruptcy as notified to the Company whichever is earlier.
G. Use of data in direct marketing
The Company intends to use the data subject's data in direct marketing and the Company requires the data subject's consent (which includes an indication of no objection) for that purpose. In this connection, please note that:
- the name, contact details, products and services portfolio information, transaction pattern and behaviour, financial background and demographic data of the data subject held by the Company from time to time may be used by the Company in direct marketing;
- the following classes of services, products and subjects may be marketed:
- credit facilities and related financial services and products and facilities;
- reward, loyalty or privileges programmes and related services and products;
- services and products offered by the Company's co-branding partners (the names of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be); and
- donations and contributions for charitable and/or non-profit making purposes;
- the above services, products and subjects may be provided or (in the case of donations and contributions) solicited by the Company and/or:
- any member of the group companies of the Company;
- third party financial institutions;
- third party reward, loyalty, co-branding or privileges programme providers
- co-branding partners of the Company and the group companies of the Company (the names of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be); and
- charitable or non-profit making organisations;
- in addition to marketing the above services, products and subjects itself, the Company also intends to provide the data described in Paragraph (G1.) above to all or any of the persons described in Paragraph g(G3.) above for use by them in marketing those services, products and subjects, and the Company requires the data subject's written consent (which includes an indication of no objection) for that purpose;
- the Company may receive money or other property in return for providing the data to the other persons in Paragraph (G4.) above and, when requesting the data subject’s consent or no objection as described in Paragraph (G4.) above, the Company will inform the data subject if it will receive any money or other property in return for providing data to the other persons.
If a data subject does not wish the Company to use or provide to other persons his/her data for use in direct marketing as described above, the data subject may exercise his/her opt-out right by notifying the Company.
H. In accordance with the terms of the Ordinance, the Company has the right to charge a reasonable fee for the processing of any data access request.
I. The person to whom requests for access to data or correction of data or for information regarding policies and practices and kinds of data held are to be addressed is as follows:
The Data Protection Officer
Delta Wealth Credit Limited
Room 4303, 43/F, China Resources Building,
26 Harbour Road, Wan Chai, Hong Kong
Telephone : 2877 7726
Fax : 2877 7736
J. The Company may have obtained a credit report on the data subjects from a credit reference agency in considering any application for credit. In the event the data subjects wishes to access the credit report, the Company will advise the contact details of the relevant credit reference agency.
K. Nothing in this Notice shall limit the rights of data subjects under the Personal Data (Privacy) Ordinance.
In the event of any inconsistency between the English and Chinese version of this Notice, the English version shall prevail.
4/2013 |
