The Personal Data (Privacy) Ordinance -

Personal Information Collection (Customers) Statement

 

In compliance with the Personal Data (Privacy) Ordinance (the “Ordinance”), ENLIGHTEN GROUP, including Enlighten Securities Limited, Enlighten Futures Limited, Enlighten Financial Advisory Limited, Enlighten Capital Limited, its holding company and any of its fellow subsidiaries and affiliates (collectively, the “Group”) would like to inform you of the following:

 

(1)       From time to time, it is necessary for customers to supply the Group with data in connection with the opening or continuation of accounts and the establishment or continuation of guarantee and credit facilities or provision of other related credit facility services.

 

(2)       Failure to supply such data may result in the Group being unable to open or continue accounts or establish or continue guarantee and credit facilities or provision of other related credit facility services.

 

(3)       It is also the case that data are collected from customers in the ordinary course of the continuation of the guarantee and credit financial relationship, for example, when customers write cheques or deposit money or generally communicate verbally or in writing with the Group, by means of documentation or telephone recording system as the case may be.

 

(4)       The purposes for which data relating to a customer may be used are as follows:

(i)         the daily operation of the services and credit facilities provided to customers;

(ii)       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;

(iii)     creating and maintaining the Group’s credit scoring models;

(iv)      assisting other financial institutions to conduct credit checks and collect debts;

(v)        ensuring ongoing credit worthiness of customers;

(vi)      designing financial services or related products for customers’ use;

(vii)    marketing services or products of the Group and/or selected companies;

(viii)  determining amounts owed to or by customers;

(ix)      collection of amounts outstanding from customers and those providing security for customers’ obligations;

(x)        meeting the requirements to make disclosure under the requirements of any law binding on the Group or under and for the purposes of any guidelines issued by regulatory or other authorities with which the Group is expected to comply;

(xi)      enabling an actual or proposed assignee of the Group, or participant or sub-participant of the Group’s rights in respect of the customer to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation; and

(xii)    purposes relating thereto.

 

(5)       Data held by the Group relating to a customer will be kept confidential but the Group may provide such information to the following parties for the purposes set out in paragraph (4):-

(i)         any agent, contractor or third party service provider who provides administrative, telecommunications, computer, payment or securities clearing or other services to the Group in connection with the operation of its business;

(ii)       any other person under a duty of confidentiality to the Group including a group company of the Group which has undertaken to keep such information confidential;

(iii)     credit reference agencies, and, in the event of default, to debt collection agencies;

(iv)      any person to whom the Group is under an obligation to make disclosure under the requirements of any law binding on the Group or under and for the purposes of any guidelines issued by regulatory or other authorities with which the Group is expected to comply;

(v)        any actual or proposed assignee of the Group or participant or sub-participant or transferee of the Group’s rights in respect of the customer; and

(vi)      selected companies for the purpose of informing customers of services which the Group believes will be of interest to customers.

 

(6)       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 individual has the right:

(i)         to check whether the Group holds data about him and of access to such data;

(ii)       to require the Group to correct any data relating to him which is inaccurate;

(iii)     to ascertain the Group’s policies and practices in relation to data and to be informed of the kind of personal data held by the Group;

(iv)      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

(v)        In relation to data which has been provided by the Group to a credit reference agency, to instruct the Group upon termination of an account by full payment 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 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 5 years from the date of final settlement of the amount in default or 5 years from the date of discharge from a bankruptcy as notified to the Group, whichever is earlier.

 

(7)       In accordance with the terms of the Ordinance, the Group has the right to charge a reasonable fee for the processing of any data access request.

 

(8)       The person to whom requests for access to data or correction of data or for information regarding the Group’s Privacy Policy Statement and kinds of data held are to be addressed is as follows:

 

Ms. Josie Chan

The Group Data Protection Officer

ENLIGHTEN GROUP

6/F., 15/F., and 24/F., Golden Centre,

188 Des Voeux Road Central,

Sheung Wan, Hong Kong

 

Telephone : +852 2152 3388/3756 1330

Fax : +852 2854 1109

Email: services@enlighten.com.hk

Website : www.enlighten.com.hk

 

(9)       The Group 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, the Group will advise the contact details of the relevant credit reference agency.

 

(10)   Customers may, at any time, request the Group cease using their personal data for direct marketing purposes by writing to the Group Data Protection Officer at the address or fax number provided in paragraph (8).

 

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

 

 

 

個人資料（私隱）條例 - 個人資料收集（客戶）聲明

 

依從個人資料（私隱）條例（以下簡稱「條例」），名匯集團，包括名匯證券有限公司、名匯期貨有限公司、名匯理財有限公司、名匯融資有限公司、其控股公司、附屬公司及關聯公司（以下統稱「本集團」）現通知貴客戶以下細則︰

 

(1)       客戶在開立或延續戶口、建立或延續客戶的信貸擔保或提供其他信貸服務時，需要不時向本集團提供有關的資料。

 

(2)       若未能向本集團提供該等資料可能會導致本集團無法開立或延續戶口或建立或延續信貸擔保或提供其他信貸服務。

 

(3)       客戶與本集團在延續正常業務運作中，例如，當客戶開出支票或存款或在一般情況下以口頭或書面形式與本集團溝通時，本集團亦會收集客戶的資料，當中可能以文書形式或電話錄音系統收集。

 

(4)       客戶的資料可能會用於下列用途：

(i)         提供服務和信貸便利給客戶之日常運作；

(ii)       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；

(iii)     編制及維持本集團的信貸評分模式；

(iv)      協助其他財務機構作信用檢查及追討債務；

(v)        確保客戶維持可靠信用；

(vi)      設計為客戶使用的財務服務或有關產品；

(vii)    推廣本集團及/或經挑選之公司的服務或產品；

(viii)  計算本集團與客戶之間的債務；

(ix)      向客戶及為客戶的責任提供抵押的人士追收欠款；

(x)        本集團或其任何分行為履行任何對其有約束力的法例的規定而作出披露；或為依循及施行任何預期本集團或其任何分行會遵從的監管或其他機構所發出的指引而作出披露；

(xi)      使本集團的實在或建議承讓人，或本集團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

(xii)    與上述有關的用途。

 

(5)       本集團會對其持有的客戶資料保密，但本集團可能會把該等資料提供給下述各方作第(4) 段列出的用途：

(i)         任何代理人、承包人、或向本集團提供行政、電訊、電腦、付款或證券結算或其他與本集團業務運作有關的服務的第三方服務供應者；

(ii)       任何對本集團有保密責任的人，包括本集團內已承諾保持該資料保密的公司；

(iii)     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；

(iv)      本集團在根據對本集團或其任何分行具法律約束力的規定下或為依循及施行任何預期本集團或其任何分行會遵從的監管或其他機構所發出的指引而有責任對任何人作出披露；

(v)        本集團的任何實在或建議承讓人或就本集團對客戶的權利的參與人或附屬參與人或受讓人；及

(vi)      經挑選之公司，用作知會客戶有關本集團相信該客戶會感興趣的服務。

 

(6)       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︰

(i)         查核本集團是否持有他的資料及查閱該等資料；

(ii)       要求本集團改正任何有關他的不準確的資料；

(iii)     查明本集團對於資料的政策及慣例和獲告知本集團持有的個人資料種類；

(iv)      查詢並獲本集團回覆，例行向有關信貸資料服務機構或收數公司披露的是哪些個人資料，及獲本集團提供進一步資料，以便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

(v)        於悉數清償欠款而結束賬戶時，指示本集團要求該信貸資料服務機構，從資料庫刪除本集團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，或本集團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。

 

(7)       根據條例的條款，本集團有權就處理任何查閱資料的要求收取合理費用。

 

(8)       任何關於查閱或改正資料，或索取關於本集團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︰

 

香港上環德輔道中188號金龍中心

6樓、15樓及24樓

名匯集團

集團資料保障主任陳小姐

 

電話︰+852 2152 3388/3756 1330

傳真︰+852 2854 1109

電郵︰services@enlighten.com.hk

網址︰www.enlighten.com.hk

 

(9)       本集團在批核信貸申請時，可能參考由信貸資料服務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，可要求本集團提供有關信貸資料服務機構的聯絡詳情。

 

(10)   客戶可隨時向本集團要求停止使用其個人資料於直接促銷活動，有關要求可根據第(8)段的地址或傳真號碼向集團資料保障主任提出。

 

(11)   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。

 

 

（文義如有歧異，以英文本為準。）