個人資料收集聲明

 

依從個人資料（私隱）條例（下稱「條例」），瑞和物業按揭有限公司（下稱「本公司」）現通知貴客戶以下細則︰-

 

1. 客戶在開立或延續信貸戶口、建立或延續信貸或分期貸款或要求本公司提供其他財務服務時 (包括但不限於本公司之私人貸款、循環貸款、樓宇按揭及樓宇估價服務等)，需要不時向本公司提供有關的資料，以作處理及審批該項申請。

 

2. 若客戶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戶口或建立或延續信貸或分期貸款或提供其他財務服務。

 

3. 客戶與本公司在延續正常業務運作中，例如，當客戶在一般情況下以口頭或書面形式與本公司溝通時，本公司亦會收集客戶的資料，當中可能以文書形式或電話錄音或網上系統收集。

 

4. 客戶的資料可能會用於下列用途︰
5. 處理信貸及/或其他財務服務申請；
6. 提供服務和信貸便利給客戶之日常運作；

• 在客戶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，及由本公司進行核對程式（根據條例之定義）；

1. 編制及維持本公司的信貸評分模式；
2. 協助其他放債人及/或財務機構作信用檢查及追討債務；
3. 確保客戶信用維持良好；

• 設計提供客戶使用的金融服務或有關產品；
• 為本公司或特選公司推廣財務服務及產品；

1. 計算本公司與客戶之間的債務；
2. 進行保險索賠或分析；
3. 為營運需要而進行之公司信貸評估或資料分析；

• 向客戶及為客戶之貸款提供抵押的人士追收欠款以維持當時人之信貸檔案以作本公司現在或將來之參考(不論當時人與本公司存在關係與否) ；
• 維持客戶之信貸檔案以作本公司現在或將來之參考(不論客戶與本公司存在關係與否)；
• 根據本公司須遵守的任何適用法例、規則、法院指令的要求，或預期本公司應遵從的監管機構的指引，向監管機構、警方或法院作出所需披露；

1. 使本公司的實在或建議承讓人，或本公司對客戶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。

 

5. 本公司可不時查閱客戶存放於信貸資料服務機構之個人及賬戶資料或記錄以就本公司給予客戶之信貸服務作出以下檢討：
6. 增加信貸金額；
7. 削減信貸(包括取消信貸或減低信貸金額)；

• 提供客戶進行或實施貸務重組安排。

 

6. 本公司會對其持有的客戶資料保密，但本公司可能會把該等資料提供給下述各方（不論在香港特別行政區內外）作第(4) 段列出的用途︰
   1. 向本公司提供行政、電訊、電腦、支付、債務追收或證券結算、資料處理或其他與其業務運作有關的服務的代理人、承包商或第三者服務供應商；
   2. 曾向本公司明文或指示承諾將有關資料保密的任何其他人士(包括本公司之集團公司)；

• 付款銀行向出票人提供已付款支票的副本（而其中可能載有關於收款人的資料）；

1. 信貸資料服務機構；而在客戶欠賬時，則可將該等資料提供給收數公司；
2. 本公司根據對本公司具有約束力的任何法例、規則、法院指令或預期其應遵從的監管機構的指引，須向其作出披露的任何人士；及
3. 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。

• 本公司或本公司選定的其他公司，目的是為提供本公司相對其客戶有興趣的服務。

 

7. 根據條例中的條款及根據條例核准發出的個人信貸資料實務守則，任何個人有權︰
   1. 查核本公司是否持有他的資料及查閱該等資料；
   2. 要求本公司改正有關其不準確的資料；

• 查明本公司對於資料的政策及實務和獲知會本公司持有的個人資料類別；

1. 查詢並獲回覆，本公司例行向有關信貸資料服務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，以客戶向有關信貸資料服務機構或收數公司提出查閱和改正資料的要求；及
2. 於悉數清償欠款而結束賬戶時，指示本公司要求該信貸資料服務機構，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5年內發出，而該賬戶在緊接結束之前5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，信貸資料服務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。

 

8. 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。

 

9. 任何關於查閱或改正資料，或索取關於本公司的私隱政策聲明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

瑞和物業按揭有限公司

                                 香港灣仔軒尼詩道337號聯和大廈一字樓

                                 電話：2110 9646

傳真：2110 9502

 

10. 本聲明不會限制客戶在個人資料（私隱）條例下所享有的權利。

 

11. 本文義如有歧異，以英文本為準。
    PERSONAL DATA COLLECTION STATEMENT

 

In compliance with the Personal Data (Privacy) Ordinance (the “Ordinance”), Surewin Credit Limited (the “Company”) would like to inform you the following:

 

1. From time to time, it is necessary for customers to supply the Company with data in connection with the opening or continuation of loan accounts and the establishment or continuation of credit facilities or credit instalment or provision of other financial services.

 

2. Failure to supply such data may result in the Company being unable to open or continue loan accounts or establish or continue credit facilities or credit instalment or provide other financial services.

 

3. It is also the case that data are collected from customers by the Company in the ordinary course of the continuation of the business relationship; for example, when customers process of new or renewal of loan application or other financial services, by means of written documentation, verbal conversation or online communication.

 

4. The purposes for which data relating to a customer may be used are as follows:
5. processing of applications for credit facilities and / or other financial services;
6. the daily operation of the services and credit facilities provided to customers;

• conducting credit or other status 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, and carrying out matching procedures (as defined in the Ordinance) by the Company;

1. creating and maintaining the Company’s credit scoring system;
2. assisting other money lenders and/or financial institutions to conduct credit checks and collect debts;
3. ensuring ongoing credit worthiness of customers;

• designing financial services or related products for customers’ use;
• marketing financial services or related products of the Company and/or selected companies;

1. determining the amounts owed to or by customers;
2. conducting insurance claims or analysis;
3. for operational purposes, credit assessment or statistical analysis of the Company;

• collection of amounts outstanding from customers and those providing security for customers’ obligations;
• maintaining a credit history of customers (whether or not there exists any relationship between customers and the Company) for present and future reference of the Company;
• meeting the requirements to make disclosure to the relevant supervisory or regulatory authorities, policy or court of law under the requirements of any law, regulation or court order binding on the Company, or under and for any guidelines issued by regulatory or other authorities with which the Company is expected to comply;

1. enabling an actual or proposed assignee of the Company, or a participant, sub-participant or transferee of the rights of the Company in respect of the customer, to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation; and

• purposes relating thereunto.

 

5. The company may from time to time access and obtain a credit report on the customer from a credit reference agency for reviewing any of the following matters in relation to the credit facilities granted:
6. an increase in the credit amount;
7. the curtailing of credit (including the cancellation of credit or a decrease in the credit amount);

• the putting in place or the implementation of a scheme of arrangement with the customer.

 

6. Data held by the Company relating to a customer will be kept strictly confidential; however, the Company may disclose such data to any or all of the following parties and may do so notwithstanding that the recipient’s place of business is outside Hong Kong, including Mainland China and Macau or that such information following disclosure will be collected held, processed or used by such recipient in whole or part outside Hong Kong, for the purposes set out in paragraph (4):
7. any agent, contractor or third party service provider who provides administrative, telecommunications, computer, payment or securities clearing, data processing or any other services to the Company in connection with the operation of its business;
8. any other person including the Company’s affiliated company(ies) under a duty of confidentiality to the Company which has undertaken to keep such information confidential;

• the drawee bank providing a copy of a paid cheque (which may contain information about the payee) to the drawer;

1. credit reference agencies, and, in the event of default, to debt collection agencies;
2. any person to whom the Company is under an obligation to make disclosure under the requirements of any law, regulation or court order binding on the Company or any guidelines issued by regulatory or other authorities with which the Company is expected to comply;
3. any actual or proposed assignee of the Company or participant or sub-participant or transferee of the Company’s rights in respect of the customer; and

• to selected companies for the purpose of informing customers of services which the Company believes will be of interest to customers.

 

7. 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 customer has the right:-
   1. to check whether the Company holds data about him and of access to such data;
   2. 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;

1. 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 a data access and correction request to the relevant credit reference agency or debt collection agency; and
2. in relation to data which has been provided by the Company to a credit reference agency, to instruct the Company upon termination of an account 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 the account have a default of payment lasting in excess of 60 days within 5 years immediately before account termination. In the event the account 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.

 

8. 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.

 

9. The person to whom requests for access to data or correction of data or for information regarding the Company’s Privacy Policy Statement and kinds of data held are to be addressed is as follows:-

The Data Protection Officer

Surewin Credit Limited
1/F, Luen Wo Building, 337 Hennessy Road, Wan Chai, Hong Kong.
Tel:       2110 9646

Fax:       2110 9502

 

10. .Nothing in this Statement shall limit the rights of customers under the Personal Data (Privacy) Ordinance.

 

11. In the event of any inconsistency between the English and Chinese versions of this Statement, the English version shall prevail.