有關個人資料(私隱)條例(下稱「條例」)致客戶通知
Notice to Customers relating to the Personal Data (Privacy) Ordinance (the "Ordinance")
 
 
  • 客戶及其他個別人士(包括但不限於信貸的申請人、保證人、諮詢人、擔保人、抵押品提供人、股東、董事及公司客戶或申請 人之高級職員或管理人員及合約其他的一方) (統稱「客戶」)在申請開立賬戶或延續賬戶及建立或延續財務信貸或要求運籌財富管理有限公司(下稱「運籌」)提供信貸服務或其他理財服務時,需要不時向” 有盈”提供有關的資料。From time to time, it is necessary for customers and various other individuals (including without limitation applicants for credit facilities, sureties, referees, guarantors, providers of security, shareholders, directors, officers and managers of corporate customers or applicants, and other contractual counterparties) (collectively “customers”) to supply Profit Wealth Management Limited. (“WINNING”) with data in connection with the opening or continuation of accounts and the establishment or continuation of credit facilities or provision of credit and other financial services.
  • 客戶若未能提供有關資料將導致”運籌”無法開立或延續賬戶或建立或延續財務信貸或提供信貸或其他理財服務。Failure to supply such data may result in WINNING being unable to open or continue accounts or establish or continue credit facilities or provide credit or other financial services.
  • 在客戶與”運籌”的正常業務往來過程中,”“運籌”“亦會收集客戶資料,例如在客戶申請信貸或與”“運籌”“進行溝通時透過文字或電話錄音系 統之文書或對話。 It is also the case that data are collected from customers in the ordinary course of the continuation of the relationship between WINNING and customers, for example, when customers apply for credit or generally communicate in writing or verbally with ““WINNING”“by means of documentation or telephone recording system.
  • 有關客戶資料將可作以下用途:The purposes for which data relating to a customer may be used are as follows:

    審批信貸及/或理財服務及備用額之申請; the processing of applications for credit and/or other financial services and facilities;

    日常業務運作及為客戶提供信貸備用額;the daily operation of the services and credit facilities provided to customers;

    於申請信貸及每年一次或多次的定期或特別覆核時作信貸查核及進行核對程序(按條例闡釋); conducting credit checks at the time of application for credit and at the time of regular or special reviews which normally take place one or more times each year and carrying out matching procedures (as defined in the Ordinance);

    建立及維持”“運籌”“之信貸評分模式; creating and maintaining WINNING’s credit scoring models;

    協助其他金融機構作信貸查核及債務追收; assisting other financial institutions to conduct credit checks and collect debts;

    確保客戶的信用維持良好;ensuring ongoing credit worthiness of customers;

    為客戶設計財務及理財服務或有關產品;designing credit and financial services or related products for customers’ use;

    推廣服務、產品及其他促銷標的(“運籌”可能會或不會因此而獲得報酬)(詳情請參閱下述第(g)段); marketing services, products and other subjects in respect of which ““WINNING”“may or may not be remunerated (please see further details in paragraph (g) below);

    確定”“運籌”“對客戶或客戶對”“運籌”“的債務; determining the amount of indebtedness owed to or by customers;

    向客戶及為客戶提供抵押的人士追收欠款;collection of amounts outstanding from customers and those providing security for customers’ obligations;

    評估及分析任何保險索償及協助保險公司進行保險索償查核;assessing and analyzing any insurance claim and assisting insurance companies to conduct claim checks;

    履行根據下列適用於”“運籌”“或被期望遵守的就披露及使用資料的義務、規定或安排: complying with the obligations, requirements or arrangements for disclosing and using data that apply to ““WINNING”“or that it is expected to comply according to:

    不論於香港特別行政區(「香港」)境內或境外及不論目前或將來存在的對其具法律約束力或適用的任何法律; any law binding or applying to it within or outside the Hong Kong Special Administrative Region (“Hong Kong”) existing currently and in the future;

    不論於香港境內或境外及不論目前或將來存在的任何法律、監管、政府、稅務、執法或其他機關,或金融服務供應商的自律監管 或行業組織或協會作出或發出的任何指引或指導; any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers within or outside Hong Kong existing currently and in the future;

    運籌”因其位於或跟相關本地或外地的法律、監管、政府、稅務、執法或其他機關,或自律監管或行業組織或協會的司法管轄 區有關的金融、商業、業務或其他利益或活動,而向該等本地或外地的法律、監管、政府、稅務、執法或其他機關,或金融服務供應商的自律監管或行業組織或協會 承擔或被彼等施加的任何目前或將來的合約或其他承諾; any present or future contractual or other commitment with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers that is assumed by or imposed on ““WINNING”“ by reason of its financial, commercial, business or other interests or activities in or related to the jurisdiction of the relevant local or foreign legal, regulatory, governmental, tax, law enforcement or other authority, or self- regulatory or industry bodies or associations

    遵守為符合制裁或預防或偵測清洗黑錢、恐怖分子融資活動或其他非法活動的任何方案就於”“運籌”“公司內共用資料及資訊及/ 或資料及資訊的任何其他使用而指定的任何義務、要求、政策、程序、措施或安排; complying with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information within ““WINNING”“ and/or any other use of data and information in accordance with any group-wide programmes for compliance with sanctions or prevention or detection of money laundering, terrorist financing or other unlawful activities;

    讓”“運籌”“的確實或建議承讓人,或就”“運籌”“對客戶享有的權利的參與人或附屬參與人評核其擬承讓、參與或附屬參與的交 易; enabling an actual or proposed assignee of WINNING, or participant or sub-participant of WINNING’s rights in respect of the customer to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation;

    編製統計數據資料及客戶概況;compiling statistical information and customer profiles;

    比較客戶及其他人士的資料以作信貸查核,資料核實或提供或核實資料,不論目的是否為採取不利於客戶的行動; comparing data of customers and other persons for credit checking, data verification or otherwise producing or verifying data, whether or not for the purpose of taking adverse action against the customers;

    保留客戶的信貸紀錄(不論客戶與”“運籌”“之間有否存在任何關係)以作現在和未來之參考; maintaining a credit history of customers (whether or not there exists any relationship between the customer and WINNING) for present and future reference;

    協助防止、偵查及調查罪行;及assisting in the prevention, detection and investigation of crime; and

    與上述有關的用途。purposes relating thereto.

  • 運籌”對客戶資料將絕對保密,然而”“運籌”“可根據條款(d)所列明之目的提供及披露資料予下列各方(不論其位於香港境內或以 外):Data held by ““WINNING”“ relating to a customer will be kept confidential but ““WINNING”“ may provide and disclose such information to the following parties (whether within or outside Hong Kong) for the purposes set out in paragraph (d):
    • 任何提供行政、電訊、電腦、支付、證券結算、資料處理、欠款追討、保險、與”“運籌”“業務運作有關的專業 或其他服務之中介人、承包商或第三者服務供應商;any agent, contractor or third party service provider who provides administrative, telecommunications, computer, payment, securities clearing, data processing, debt collection, insurance, professional or other services to ““WINNING”“ in connection with the operation of its business;
    • 任何”“運籌”“之附屬公司、控股公司、聯營公司或關聯公司; any of the subsidiaries, holding companies, associated companies or affiliates of WINNING;
    • 任何對”“運籌”“有保密責任的人士; any other person under a duty of confidentiality to WINNING;
    • 任何和客戶已作或建議作交易的金融機構、簽帳卡或信用卡發行公司、保險公司、證券及投資公司; any financial institution, charge or credit card issuing companies, insurance company, securities and investment company with which the customer has or proposes to have dealings;
    • 任何”“運籌”“的確實或建議承讓人或就”“運籌”“對客戶享有的權利的參與人或附屬參與人或受讓人;any actual or proposed assignee of ““WINNING”“ or participant or sub-participant or transferee of WINNING’s rights in respect of the customer;
    • 信貸資料服務機構,及如有拖欠債務,則交予債務追收公司;credit reference agencies and, in the event of default, to debt collection agencies;
    • 任何提供或建議提供擔保或第三者抵押以擔保或保證客戶的責任的人士;any party giving or proposing to give a guarantee or third party security to guarantee or secure the customer’s obligations;
    • 任何”“運籌”“對其有責任之人士或因法律約束或需行使於”“運籌”“而作出披露,或因法律、監管、政府、稅務、執法或其他機關或金融服 務供應商的自律監管或行業組織或協會所提供或發出之任何指引或指導之目的而作出披露並期望”“運籌”“遵守,或根據”“有盈”“跟本地或外地之法律、監 管、政府、稅務、執法或其他機關或金融服務供應商的自律監管或行業組織或協會所訂之合約或承諾而作出披露。而此等機構或位於香港或以外或現在或將來存在; any person to whom ““WINNING”“ is under an obligation or otherwise required to make disclosure under the requirements of any law binding on or applying to WINNING, or any disclosure under and for the purposes of any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers with which ““WINNING”“ is expected to comply, or any disclosure pursuant to any contractual or other commitment of ““WINNING”“ with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers, all of which may be within or outside Hong Kong and may be existing currently and in the future;
    • 第三者金融機構、保險公司、信用卡公司、證券及投資服務提供者; third party financial institutions, insurers, credit card companies, securities and investment service providers;
    • 第三者獎賞、年資獎勵、聯營及專享計劃供應者;third party reward, loyalty, co-branding and privileges programme providers;
    • 運籌”的聯營夥伴(視乎情況而定,該聯營夥伴的名稱可載於有關服務及產品的申請表格); co-branding partners of ““WINNING”“ (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);
    • 慈善或非牟利的機構 ; 及charitable or non-profit making organisations; and
    • 根據(d)條款所列出之目的,與”“運籌”“有關的外部服務供應者(包括但不局限於郵遞公司、電訊公司、電話銷售及直銷中介人、電話服務 中心、禮品換領中心、數據處理公司及資訊科技公司) 。external service providers (including but not limited to mailing houses, telecommunication companies, telemarketing and direct sales agents, call centres, gift redemption centres, data processing companies and information technology companies) that ““WINNING”“ engages for the purposes set out in paragraph (d).
    • 有關資料有可能被傳送至香港以外的地方。Such information may be transferred to a place outside Hong Kong.
  • 根據已核准及發出的條例及個人信貸資料實務守則(下稱「守則」)之條款,任何關於客戶的按揭申請(不論作為單獨或與人聯名之供款者、按揭者或 擔保者)並由”“運籌”“批核的按揭之資料,WINNINF及/或其他信貸提供者可在取得客戶明確的同意下將提供此等資料予信貸資料服務機構。若客戶拒絶 給予明確的同意,該等資料將不會提供予信貸資料服務機構。 With respect to data in connection with mortgages applied by a customer (whether as a borrower, mortgagor or guarantor, and whether in the customer’s sole name or in joint names with others), the following data relating to the customer (including any updated data of any of the following data from time to time) may be provided by WINNING, on its behalf and/or as agent, to a credit reference agency:
    • 客戶的全名;full name;
    • 關於每宗按揭的貸款者身份(即作為借款人、按揭人或擔保人,及以客戶本人單名或與其他人士聯名方式);capacity in respect of each mortgage (as borrower, mortgagor or guarantor, and whether in the customer’s sole name or in joint names with others);
    • 香港身份證號碼或旅遊證件號碼;Hong Kong Identity Card Number or travel document number;
    • 出生日期;date of birth;
    • 通訊地址;correspondence address;
    • 每宗按揭的賬戶號碼;mortgage account number in respect of each mortgage;
    • 每宗按揭的備用信貸類別;type of facility in respect of each mortgage;
    • 每宗按揭的按揭賬戶狀況(如有效、已結束、已撇賬(因破產令導致除外)、因破產令導致已撇賬);及mortgage account status in respect of each mortgage (e.g. active, closed, write-off (other than due to a bankruptcy order), write-off due to a bankruptcy order); and
    • 每宗按揭的賬戶結束日期(如適用)。if any, mortgage account closed date in respect of each mortgage.信貸資料服務機構將使用以上”“運籌”“所提供的資料用以不時計算客戶於消費信貸資料庫內(不論作為單獨或與他人聯名之供款者、按揭者或擔保者)與香港信 貸提供者所持有之總按揭數目以供信貸提供者使用(須受根據私隱條例核准及發出的個人信貸資料實務守則的規定所限)。The credit reference agency will use the above data supplied by ““WINNING”“ for the purposes of compiling a count of the number of mortgages from time to time held by the customer with the credit providers in Hong Kong, as borrower, mortgagor or guarantor respectively, and whether in the customer’s sole name or joint names with others, for sharing in the consumer credit database of the credit reference agency by credit providers (subject to the requirements of the Code of Practice on Consumer Credit Data approved and issued under the Ordinance).
  • 在直接促銷中使用資料USE OF DATA IN DIRECT MARKETING“運籌”擬把客戶資料用於直接促銷,而”“運籌”“爲該用途須獲得客戶同意(包括表示不反對)。就此,請注意: ““WINNING”“ intends to use a customer’s data in direct marketing and ““PROFIT”“ requires the customer’s consent (which includes an indication of no objection) for that purpose. In this connection, please note that:. 客戶之姓名、聯絡資料、産品及服務組合資料、交易模式及行爲、財務背景及人口統計等”“運籌”“不時持有之數據可供”“運籌”“用於直接促銷;the name, contact details, products and services portfolio information, transaction pattern and behaviour, financial background and demographic data of a customer held by ““WINNING”“ from time to time may be used by ““WINNING”“ in direct marketing;可用作促銷下列類別的服務、産品及促銷標的: the following classes of services, products and subjects may be marketed:

    財務、保險、信用卡、預付卡、信貸及有關服務和產品;financial, insurance, credit card, prepaid card, credit and related services and products;

    獎賞、年資獎勵、聯營或專享計劃及有關服務及產品;reward, loyalty, co-branding or privileges programmes and related services and products;

    運籌”聯營夥伴提供之服務及產品(視乎情況而定,該聯營夥伴的名稱可載於有關服務及產品的申請表格);及services and products offered by WINNING’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

    爲慈善及/或非牟利用途的捐款及捐贈; donations and contributions for charitable and/or non-profit making purposes;

    上述服務、産品及促銷標的可能由”“有盈”“及/或下列各方提供或(如涉及捐款及捐贈)募捐:the above services, products and subjects may be provided or (in the case of donations and contributions) solicited by ““WINNING”“ and/or:

    運籌”集團之任何成員;any member of the group companies of WINNING;

    第三者金融機構、承保人、信用卡公司、證券及投資服務供應商;third party financial institutions, insurers, credit card companies, securities and investment service providers;

    第三者獎賞、年資獎勵、聯營或專享計劃提供者;third party reward, loyalty, co-branding or privileges programme providers;

    運籌”及/或”“運籌”“集團公司之聯營夥伴 (視乎情況而定,該聯營夥伴的名稱可載於有關服務及產品的申請表格);及co-branding partners of ““WINNING”“ and/or ““WINNING”“ Group Companies ( 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

    慈善或非牟利的機構charitable or non-profit making organisations;
    iii. 除由”“
    運籌”“促銷上述服務、産品及促銷標的外,”“運籌”“亦擬將以上(g)(i)段所述的資料提供予以上(g)(iii)段所述的全部或任何人士, 以供該等人士在促銷該等服務、産品及促銷標的中使用,而”“運籌”“爲此用途須獲得客戶書面同意(包括表示不反對);In addition to marketing the above services, products and subjects itself, ““WINNING”“ also intends to provide the data described in paragraph (g)(i) above to all or any of the persons described in paragraph (g)(iii) above for use by them in marketing those services, products and subjects, and ““WINNING”“ requires the customer’s written consent (which includes an indication of no objection) for that purpose;
    iv. “
    運籌”可因以上(g)(iv)段所述將資料提供予其他人士而獲得金錢或其他財産的回報。如”“運籌”“會因提供資料予其他人士而獲得任何金錢或其他財産 的回報,”“運籌”“會於以上(g)(iv)段所述徵求客戶同意或不反對時如實通知客戶。WINNING may receive money or other property in return for providing the data to the other persons in paragraph (g)(iv) above and, when requesting the customer’s consent or no objection as described in paragraph (g)(iv) above, ““WINNING”“ will inform the customer if it will receive any money or other property in return for providing the data to the other persons.
    如客戶不希望”“
    運籌”“如上所述使用其資料或將其資料提供予其他人士作直接促銷用途,客戶可通知”“運籌”“行使其選擇權拒 絕促銷。If a customer does not wish ““WINNING”“ to use or provide to other persons his/her data for use in direct marketing as described above, the customer may exercise his opt-out right by notifying WINNING.

  • 根據私隱條例規定及按其認可及發出的個人信貸資料實務守則,任何客戶有權: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:
    • 查詢”“運籌”“是否持有其個人資料及查閱有關資料;to check whether ““WINNING”“ holds data about him/her and access to such data;
    • 要求”“運籌”“更正有關其個人不正確的資料;to require ““WINNING”“ to correct any data relating to him/her which is inaccurate;
    • 查明”“運籌”“關於資料的政策及實務及獲告知”“運籌”“持有關於其個人資料之類別;to ascertain WINNING’s policies and practices in relation to data and to be informed of the kind of personal data held by WINNING;
    • 要求獲告知何種資料將按慣例向信貸資料服務機構或債務追收代理披露,及要求提供進一步資料向有關信貸資料服務機構或債務追收代理提出查閱 和更改其個人資料;及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
    • 要求關於”“運籌”“提供予信貸資料服務機構的任何賬戶資料(爲免生疑問,包括任何賬戶還款資料),於其全數清還欠款及取消賬戶時,並由 取消賬戶當日起計五年內及過去五年內並無於其有關賬戶内有欠賬超過六十天之情況下,指示”“有盈”“要求信貸資料服務機構於資料數據庫中刪除該賬戶資料。 賬戶還款資料包括上次到期的還款額,上次報告期間(即緊接”“運籌”“上次向信貸資料服務機構提供賬戶資料前不多於31日的期間)所作還款額,剩餘可用信 貸額或未償還數額及欠款資料(即過期欠款額及逾期還款日數、清還過期欠款的日期及全數清還拖欠爲期超過60日的欠款的日期(如有))。in relation to any account data (including, for the avoidance of doubt, any account repayment data) which has been provided by ““WINNING”“ to a credit reference agency, to instruct ““WINNING”“ upon termination of the 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 5 years of termination and at no time was there any default of payment in relation to the account, lasting in excess of 60 days within 5 years immediately before account termination. Account repayment data include amount last due, amount of payment made during the last reporting period (being a period not exceeding 31 days immediately preceding the last contribution of account data by ““WINNING”“ to a credit reference agency), remaining available credit or outstanding balance and default data (being amount past due and number of days past due, date of settlement of amount past due, and date of final settlement of amount in default lasting in excess of 60 days (if any))
  • 若客戶於其賬戶欠賬,除非在欠賬日起計六十天或以內已全數清還欠款或被註消(除破產令外),賬戶還款資料(定義見以上(h)(v)段)將被信 貸資料服務機構保留至由最後清還所有欠款的日期起計五年屆滿為止。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 5 years from the date of final settlement of the amount in default.
  • 若客戶因破產令而導致其賬戶被註消,不論賬戶還款資料(定義見以上(h)(v)段)有否顯示超過六十天的欠賬,賬戶還款資料將被信貸資料服務 機構保留至由最後清還所有欠款的日期起計五年屆滿為止或由該客戶持證據並告知信貸資料機構其解除破產令生效日期起計五年屆滿為止,以較早發生為準。In the event any amount in an account is written off due to a bankruptcy order being made against a customer, 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 5 years from the date of final settlement of the amount in default or the expiry of 5 years from the date of discharge from a bankruptcy as notified with evidence to the credit reference agency, whichever is earlier.
  • 運籌”可就下列有關事項,不時向信貸資料服務機構提取一份有關客戶之個人及賬戶資料或客戶之紀錄(包括擁有按揭數目資料),對已批出之信貸 安排或為第三者作擔保作出檢討: ““WINNING”“ may from time to time access the personal and account information or records of a customer (including information about the number of mortgage count) held by a credit reference agency for the purpose of reviewing any of the following matters in relation to the existing credit facilities granted to the customer or a third party whose obligations are guaranteed by the customer:
    • 增加信貸額;an increase in the credit amount;
    • 縮減信貸(包括取消或減低信貸額);或the curtailing of credit (including the cancellation of credit or a decrease in the credit amount); or
    • 與客戶或第三者制訂或實行計劃。the putting in place or the implementation of a scheme of arrangement with the customer or the third party
  • 當考慮客戶之信貸申請時,”“運籌”“可能從信貸資料服務機構提取一份有關客戶之信貸報告。如客戶欲查閱該報告,”“有盈”“將提供有關信貸 資料服務機構的聯絡資料。WINNING may have obtained a credit report on the customer from a credit reference agency in considering any application for credit. In the event the customer wishes to access the credit report, ““WINNING”“ will advise the contact details of the relevant credit reference agency.
  • 若”“運籌”“或任何根據條款(e)從”“運籌”“得到資料之人士認為情況合適,客戶之資料將會被處理、儲存、傳送或披露到或在任何國家內。 此等資料亦將會按當地之實務、法律、規則及條例而處理、儲存、傳送或披露。Data of a customer may be processed, kept, transferred or disclosed in and to any country as ““WINNING”“ or any person who has obtained such data from ““WINNING”“ referred to in paragraph (e) considers appropriate. Such data may also be processed, kept, transferred or disclosed in accordance with the applicable local practices, laws, rules and regulations in such country.
  • 根據條例的規定,”“運籌”“有權就處理任何查閱資料的要求收取合理費用。In accordance with the terms of the Ordinance, ““WINNING”“ has the right to charge a reasonable fee for the processing of any data access request.
  • 任何要求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,應向下列人士提出: 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:資料保護主任The Data Protection Officer運籌財富管理有限公司 WINNING Management Limited九龍渡船街38號建邦商業大廈1001室 Office 01, 10/F, Keybond Comm. Bldg, 38 Ferry st, Kowloon.傳真fax:3582 4490
  • 本通知不會限制客戶在個人資料(私隱)條例下所享有的權利。Nothing in this Notice shall limit the rights of customers under the Ordinance.
  • 客戶可隨時及在不收任何費用下選擇不收取”“運籌”“之直接促銷物品或資訊,請以書面形式通知資料保護主任。A customer may, at any time and without charge, choose not to receive any direct marketing material or message from ““WINNING Management Limited有盈財富管理有限公司”“ by informing the Data Protection Officer in writing.
  • 上列譯文如與英文原文有歧異,概以英文原文為準。If there is any inconsistency between the English and Chinese versions of this Notice, the English version shall prevail.

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