This website is intended for people who access it from within Hong Kong. Products and services referred to in this website are offered only in jurisdictions where and when they maybe lawfully offered by PrimeCredit Limited (“PrimeCredit”) and its affiliated companies(“the Group”). The materials on these pages are not intended for use by persons located in or resident in jurisdictions which restrict the distribution of this material by us. Persons accessing these pages are required to inform themselves about and observe any relevant restrictions.
Any information, products or services supplied in this website maybe withdrawn or amended at any time without advance notice at the discretion of the Group. The eligibility of customers for particular information, products or services is subject to the final and absolute discretion of the Group.
It is your sole responsibility to prevent, safeguard and ensure that no computer virus enters your system and this website.
The Group cannot guarantee the security of the messages sent over the internet and will not be responsible for any damages incurred by users as a result of any delay, loss, diversion, alteration or corruption of any message either sent to or received from the Group at the users’ request, over the internet.
The information contained in this website is provided for reference only. The Group used its best endeavours to ensure that the information is accurate, complete and up-to-date. The Group makes no representation as to its accuracy or completeness and expressly disclaims any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of such information.
The information collected by Cookies is aggregated research data, which contains anonymous personalized setting information such as language preference, behavior and usage patterns. No personal data (such as your name, address or any information that will enable someone to identify and contact you) is stored in Cookies. If you do not wish to be tracked by the Cookies, you can change the settings in the browser by disabling the Cookies. However, by doing so, some features of the website may not function properly.
However, if you accept Cookies on your browser, you agree that PrimeCredit may collect, transmit, store and use technical, location, and other information, including but not limited to technical information about your device such as IP address and/or device ID, system and application software and information regarding your location for the purposes described above.
PrimeCredit may also work with third parties which use applications such as Google, DoubleClick and Facebook, etc. to research certain usage and activities on parts of the website on PrimeCredit’s behalf. Google, DoubleClick and Facebook use tracking tags and Cookies to conduct their research. The information collected through technologies such as tracking tags and Cookies, etc. are used to find out more about PrimeCredit’s users, including the number of the visitors, their behaviour and usage patterns to enable more accurate reporting and to improve the effectiveness of PrimeCredit’s marketing. The information recorded through the use of these applications are aggregated and no personally identifiable information about you is collected or shared by Google, DoubleClick or Facebook with PrimeCredit as a result of such research. Also, no customer personal data is stored through these technologies.
To find out more about the information-gathering practices and opt-out procedures of cookies for Google, DoubleClick and Facebook, please visit Google’s and DoubleClick’s website at http://www.google.com/intl/en/policies/privacy and Facebook’s website at https://www.facebook.com/ads/manage/convtrack/tos.
Should there be any inconsistencies between the English and Chinese versions, the English version shall prevail.
Notice to Customers and other individuals relating to the Personal Data (Privacy) Ordinance (the “Ordinance”) and the Code of Practice on Consumer Credit Data
From time to time, it is necessary for data subjects to supply PCL with data in connection with the following matters such as:
|(i)||(1)||the opening or operation of accounts;|
|(2)||the establishment or maintenance of facilities; and/or|
|(3)||the establishment or operation or provision of products or services offered by or through PCL (which include credit facilities, credit cards, financial and/or insurance as well as products and services relating to these);|
|(collectively, Facilities, Products and Services), and/or|
|(ii)||the receipt of supplies and services to PCL.|
Failure to supply such data may result in PCL being unable to establish, maintain or provide Facilities, Products and Services to data subjects.
It is also the case that data are collected by PCL from data subjectstransacting with or through PCL in the ordinary course of PCL’s business, for example, when data subjects write cheques or deposit money or effect transactions through credit cards.
Data relating to a data subject may be used for any one or more of the following purposes:
Data held by PCL relating to a data subject will be kept confidential but PCL may provide, transfer or disclose such data or information to any one or more of the following parties (whether within or outside the Hong Kong Special Administrative Region) for the purposes set out in paragraph (d) above:
USE OF DATA IN DIRECT MARKETING
PCL intends to use a data subject’s data in direct marketing and PCL requires the data subject’s consent (which includes an indication of no objection) for that purpose. In this connection, please note that:
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:
In the event of any default of payment relating to an account, unless the amount in default is fully repaid or written off (other than due to a bankruptcy order) before the expiry of 60 days from the date such default occurred, the account repayment data (as defined in paragraph (h)(v) above) 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.
In the event any amount in an account is written-off due to a bankruptcy order being made against a data subject, the account repayment data (as defined in paragraph (h)(v) above) may be retained by the credit reference agency, regardless of whether the account repayment data reveal any default of payment lasting in excess of 60 days, until the expiry of five years from the date of final settlement of the amount in default or the expiry of five years from the date of discharge from a bankruptcy as notified by the data subject with evidence to the credit reference agency, whichever is earlier.
In accordance with the terms of the Ordinance, PCL has the right to charge a reasonable fee for the processing of any data access request.
Without limiting the generality of the foregoing, PCL may from time to time access the personal and account information or records of a data subjectheld by the credit reference agency for the purpose of reviewing any of the following matters in relation to the existing credit facilities granted to adata subject or a third party whose obligations are guaranteed by a data subject:
|(m)||PCL may have obtained a credit report on a data subject from a credit reference agency in considering any application for credit. In the event the data subject wishes to access the credit report, PCL will advise the contact details of the relevant credit reference agency.|
|(n)||Data of a data subject may be processed, kept, transferred or disclosed in and to any country as PCL or any person who has obtained such data from PCL referred to in (e) above considers appropriate. Such data may also be processed, kept, transferred or disclosed in accordance with the local practices and laws, rules and regulations (including any governmental acts and orders) in such country.|
|(o)||The person to whom requests for access to data or correction of data held by PCL, or for information regarding PCL’s data policies and practices and kinds of data held by PCL are to be addressed is as follows: –Data Protection Officer
P.O. Box 23207, Wanchai Post Office, Hong Kong
Telephone: 2163 0201
Fax: 2134 3377
|(p)||Nothing in this Notice shall limit the rights of data subjects under the Personal Data (Privacy) Ordinance.|
In this notice, unless inconsistent with the context or otherwise specified, the words in italic shall have the following meanings:
account means, for each Facility, Service or Product which PCL may from time to time make available to the data subjects, the account that is, opened and/or maintained in respect of it from time to time.
data subject(s) includes applicants for Facilities, Products and Services, customers, customers’ spouses, security providers, referees, corporate officers and managers, suppliers, agents, contractors, service providers and other contractual counterparties and any third party transacting with or through PCL.
disclose, disclosing or disclosure, in relation to personal data, includes disclose or disclosing information inferred from the data.
in any capacity means whether as a borrower, mortgagor or guarantor and whether in the data subject’s sole name or joint names with others.
mortgage count means the number of mortgage loans held by the data subject (in any capacity) with credit providers in the Hong Kong Special Administrative Region from time to time.
Should there be any inconsistencies between the English and Chinese versions, the English version shall prevail.
Statement of Policy
PrimeCredit Limited (“PCL”) respects personal data privacy and is committed to fully implementing and complying with the data protection principles and all relevant provisions under the Personal Data (Privacy) Ordinance (“the PDPO”).
When PCL collects personal data from individuals, PCL will provide them with a Personal Information Collection Statement (“PICS”) on or before the collection.
Statement of Practice
1. Kinds of Personal Data Held
1.1 Personal data held by PCL regarding customers include but not limited to identification information, contact details, financial details, employment details etc. which are necessary for customers to supply to PCL from time to time in connection with the opening or continuation of accounts, the establishment or continuation of credit facilities, provision of credit and other financial services, and handling of enquiry/complaint.
2. Main Purposes of Keeping Personal Data
2.1 Data relating to a data subject may be used for any one or more of the purposes listed in section (d) of “Notice to Customers and other individuals relating to the Personal Data (Privacy) Ordinance (the “Ordinance”) and the Code of Practice on Consumer Credit Data”
3.1 PCL may record your visit to this site through the use of “cookies”. Please refer to the section of “Website Declaration” for details.
4. Retention of Personal Data
4.1 PCL maintains and executes retention guideline of records containing personal data to ensure personal data is not kept longer than is necessary for the fulfillment of the purpose for which the data is to be used. Different retention periods apply to the various kinds of personal data collected and held by PCL in accordance with policies in the retention guideline.
5. Protection Measures
5.1 It is the policy of PCL to take all practicable steps to protect the personal data, including sensitive personal data, PCL holds against loss, unauthorized access, use, modification, disclosure, processing or erasure. PCL provides training to its employees to ensure that its employees handle personal data properly.
6.1 PCL may provide, transfer or disclose personal data to any one or more of the parties listed in section (e) of “Notice to Customers and other individuals relating to the Personal Data (Privacy) Ordinance (the “Ordinance”) and the Code of Practice on Consumer Credit Data” for the above-mentioned purposes.
7. Outsourcing Arrangements
7.1 The service providers of PCL are bound by contractual duty to keep confidential any data they come into contact with, if any, against unauthorized or accidental access, processing, erasure, loss, use and retention.
8. Data Access Requests and Data Correction Requests
8.1 You may contact PCL to seek access to or seek to correct personal data which PCL holds about you. There are certain exemptions under the PDPO which may apply to personal data access and correction requests. PCL may require that you the person requesting access or correction provide suitable identification and PCL may charge a reasonable administration fee for complying with a data access request.
8.2 Requests for access to and/or correction of personal data should be addressed to the Data Protection Officer through the contact methods provided in section (o) of “Notice to Customers and other individuals relating to the Personal Data (Privacy) Ordinance (the “Ordinance”) and the Code of Practice on Consumer Credit Data”.
Should there be any inconsistency between the English and the Chinese versions, the English version shall prevail.