TERMS OF SUMMARY OF PROVISIONS OF THE ORDINANCE TO BE INCLUDED IN
OR
ATTACHED ATTACHED ATTACHED TO A NOTE OR MEMORANDUM OF A LOAN AGREEMENT
THE MONEY LENDERS ORDINANCE

附於或載於借約提要書或備忘錄的放債人條例摘要
放債人條例

The provisions of the Money Lenders Ordinance summarized below are important for the protection of all the parties to a loan agreement and should be read carefully. The summary is not part of the law, and reference should be made to the provisions of the Ordinance itself in case of doubt.
根據放債人條例摘要，對保障簽訂借約的各方均屬重要，故須小心閱讀。該摘要並非法例的一部份，如有疑難之處，可參閱放債人條例的有關條文。

Summary of Part III of the Ordinance – Money lenders transactions
放債人條例第III部摘要 – 放債人所進行的交易

Section 18 sets out the requirements relating to loans made by a money lender. Every agreement for a loan must be in writing and signed by the borrower within 7 days of making the agreement and before the money is lent. A copy of the signed note of the agreement must be given to the borrower, with a copy of this summary, at the time of signing. The signed note must contain full details of the loan, including the terms of repayment, the form of security and the rate of interest. An agreement which does not comply with the requirements will be unenforceable, except where a court is satisfied that it would be unjust not to enforce it
第18條列載有關放債人所貸款項的規定。凡借約均須以書面訂立，由借款人於訂立借約後七日內簽署，並須在款項借出前辦妥。在簽署借約時，放債人必須給予借款人一份已簽署的借約提要書及本摘要乙份。該提要書須載明貸款詳情，包括還款條件，抵押形式及利率。凡不符合規定的借約，均不能執行，但如法庭認為不執行借約係不公平者，則屬例外。

Section 19 provides that a money lender must, if requested in writing and on payment of the prescribed fee for expenses, give the original and a copy of a written statement of a borrower’s current position under a loan agreement, including how much has been paid, how much is due or will be due, and the rate of interest. The borrower must endorse on the copy of the statement words to the effect that he has received the original of the written statement and return the copy as so endorsed to the money lender. The money lender must retain the copy of the statement so returned during the continuance of the agreement to which the statement relates. If the money lender does not do so he commits an offence. The money lender must also, upon a request in writing, supply a copy of any document relating to the loan or security. But a request cannot be made more than once per month. Interest is not payable for so long as the money lender, without good reason, fails to comply with any request mentioned in this paragraph.
第19條規定如借款人提出書面要求及繳交規定的費用，放債人必須發給該借款人結算書的正本及副本各一份，列明在該借約下借款人目前的債務詳情，包括已還款若干、到期未付或行將到期繳付的款項若干，以及利率等。借款人必須在結算書的副本註明他經已收到結算書的正本，並把已作上述批註的副本交回放債人。放債人必須在有關結算書的合約有效期間收存該份交回的結算書副本。如放債人不這樣做的話，即屬犯法。如借款人提出書面要求，放債人亦須供給有關該項貸款或抵押的任何文件副本。上述每項要求，每月只限提出一次。如放債人無充分理由而拒絕本段提及的任何要求，則借款人可免繳拒絕期內的利息。

Section 20 provides that the surety, unless he is also the borrower, must within 7 days of making the agreement be given a copy of the signed note of the agreement, a copy of the security instrument (if any) and a statement with details of the total amount payable. The money lender must also give the surety, upon request in writing at any time (but not more than once per month), a signed statement showing details of the total sum paid and remaining to be paid. The security is not enforceable for so long as the money lender, without good reason, fails to comply.
第20條規定：除非保證人亦為借款人，否則放債人須在訂立借約後7日內向保證人提供已簽署的借約提要書、有關抵押的文件 (如有的話)，以及詳列還款總額的結算書各一份。如保證人隨時提出書面要求 (每月只限一次)；放債人須供給已簽署的結算書一份，詳列已付還總額及尚欠餘款。放債人如無充分理由而拒絕此項要求，則在拒絕期內，有關抵押的規定不能執行。

Section 21 provides that a borrower may at any time, on giving written notice, repay a loan together with interest to the date of repayment, and no higher rate of interest may be charged for early repayment.
第21條規定借款人如以書面通知，有權隨時將欠款連同計至還款日期止的利息清還放債人，放債人不得因借款人提早還款而收取較高的利息。

This provision, however, will not apply where the money lender is recognized, or is a member of an association recognized, by the Financial Secretary by notice in the Gazette in force under section 33A(4) of the Ordinance.
放債人若為財政司長根據放債人條例第33A(4)條在有效憲報公佈認可的人士或經其認可社團的成員，則上述規定並不適合。

Section 22 states that a loan agreement is illegal if it provides for the payment of compound interest, or provides that a loan may not be repaid by instalments. A loan agreement is also illegal if it charges a higher rate of interest on amounts due but not paid, although it may provide for charging simple interest on that part of the principal and interest outstanding at a rate not exceeding the rate payable apart from any default. The illegal agreement may, however, be declared legal in whole or in part by a court if the court is satisfied that it would be unjust if the agreement were illegal because it did not comply with this section.
第22條規定凡收取複利或訂明不准分期攤還借款的借約均屬不合法，此外，對到期未還的款項收取較高利息的借約亦屬不合法，但該等借約可規定對到期未還的本金及利息加收單利，所收利率不得超過原來借款的利率。如果法庭認為因合約不符合本條條文規定而列作不合法屬不公平做法的話，則法庭可以宣佈該不合法合約合法，或部份內容合法。

Section 23 declares that a loan agreement with a money lender and any security given for the loan will not be enforceable if the money lender was unlicensed at the time of making the agreement or taking the security. The loan agreement or security may, however, be declared enforceable in whole or in part by a court if the court is satisfied that it would be unjust if the agreement or security were unenforceable by virtue of this section.
第23條規定：在訂立借約或接受貸款抵押時，如放債人未領有牌照，有關借約及抵押不能予以執行。但是，假若法庭認為由於本條規定而不能執行有關借約或抵押的規定會造成不公平，法庭可宣告整份或部份借約或抵押規定可予執行。

Summary of Part IV of the Ordinance – Excessive interest rates
放債人條例第IV部摘要 – 過高的利率

Section 24 fixes the maximum effective rate of interest on any loan at 48% per annum (the “effective rate” is to be calculated in accordance with the Second Schedule to the Ordinance). A loan agreement providing for a higher rate will be unenforceable and the lender will be liable to prosecution. This maximum rate may be changed by the Legislative Council but not so as to affect existing agreements. This section does not apply to any loan made to a company which has a paid up share capital of not less than $1,000,000 or in respect of any such loan, to any person who makes the loan.
第24條規定：貸款的最高實際利率為年息48厘 (「實際利率」)須按放債人條例第二附表的規定計算)。凡借約所訂實際利率超過此限制，皆不能執行，且放債人更可被檢控。此最高利率可由立法會予以修訂，但已簽訂的借約則不受影響。 對於向實收股本不少於$1,000,000的公司作出的任何貸款或作出該等貸款的任何人士，本條規定並不適用。

Section 25 provides that where court proceedings are taken to enforce a loan agreement or security for a loan or where a borrower or surety himself applied to a court for relief, the court may look at the terms of the agreement to see whether the terms are grossly unfair or exorbitant (an effective rate of interest exceeding 36% per annum or such other rate as is fixed by the Legislative Council, may be presumed, on that ground alone, to be exorbitant), and, taking into account all the circumstance, it may alter the terms of the agreement in such a manner as to be fair to all parties. This section does not apply to any loan made to a company which has a paid up share capital of not less than $1,000,000 or, in respect of any such loan, to any person who makes that loan.
第25條規定：在有關執行借約或抵押規定的法律訴訟中，或在借款人或保證人向法庭求助時，法庭可考慮借約的條件是否不公平或利率是否過高 (如實際利率超過年息3分6厘或立法會所訂定的其他利率即可視為過高的利率)。法庭在考慮一切情形後，可將借約的條件修改，使其對立約各方均屬公平。 對於向實收股不少於$1,000,000的公司所作出的任何貸款或作出該等貸款的任何人士，本條規定並不適用。

PRIVACY POLICY
私隱政策聲明

1. INTRODUCTION
引言

1.1 This policy is adopted as the Privacy Policy (“Policy”) of HONG KONG CREDIT FINANCE LIMITED (the “Company”) and all its direct and indirect subsidiaries in the Hong Kong Special Administrative Region (“Hong Kong”). This policy form part of the account terms and conditions and/or the agreement or arrangements that a data subject enters into with the Company. If any inconsistency is found, the provisions of this Policy shall prevail. Nothing in this Policy shall limit the rights of the data subjects under the Personal Data (Privacy) Ordinance (the “Ordinance”).
此聲明乃採納為香港信用財務有限公司（下稱「本公司」）及其所有在香港特別行政區(「香港」)的直接及間接附屬公司的「私隱政策聲明」（下稱「本聲明」）。本聲明的條文構成資料當事人所持有的本公司帳戶的條款及細則及 / 或資料當事人與本公司訂立的協議或安排的一部分。如有任何歧義，概以本聲明的條文為準。本聲明並不限制資料當事人在《個人資料(私隱)條例》(「該條例」)下之權利。

1.2 For the purposes of this Policy, “HKCF Group” means Hong Kong Credit Finance Limited, its subsidiaries, associates and affiliates (including branches or offices of such subsidiary or affiliate).
就本聲明的目的而言，「香港信用集團」指 香港信用財務有限公司及其附屬公司及聯屬機構(包括該等附屬公司或聯屬機構的分行或辦事處)。

2. DATA SUBJECTS
資料當事人

The “data subjects” in this Policy means the customers of the Company and various other persons, including without limitation, applicants for or customers/users of credit facilities and related financial services and products and facilities and so forth provided by a Company and their authorized signatories, sureties and persons providing security or guarantee or any form of support for obligations owed to a Company, shareholders, directors, corporate officers and managers, sole proprietors, partners, suppliers, contractors, service providers and other contractual counterparties supplying data (including personal data as defined in the Ordinance to the Company.
本聲明內對「資料當事人」的提述指本公司客戶及向本公司提供資料(包括「該條例」)所界定的個人資料)的其他類型人士，包括但不限於本公司提供的信貸及相關貸款服務和產品及授信的申請人或客戶/用戶及其被授權人、基於對本公司負有的責任而出任擔保人及提供抵押、擔保或任何形式的支持的人士、股東、董事、公司職員及經理、獨資經營者、合夥人、供應商、承包商、服務供應商及其他合約對手。

3. PURPOSES OF THE PERSONAL DATA HELD
使用個人資料的目的

3.1 From time to time, it is necessary for data subjects to supply the Company with data in connection with the opening or continuation of accounts and the establishment or continuation of credit facilities or provision of credit facilities and related financial services and products and facilities which included without limitation to personal loan, revolving loan, property mortgage and property valuation services.
資料當事人在開立或延續賬戶、建立或延續本公司信貸或要求本公司提供信貸及相關服務和產品及授信時（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）需不時向本公司提供有關的資料，以作為處理及審批該項申請。

3.2 Failure to supply such data may result in the Company being unable to open or continue accounts or establish or continue credit facilities or provide credit facilities and related financial services and products and facilities.
若資料當事人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賬戶或建立或延續本公司信貸或要求本公司提供信貸及相關服務和產品及授信。

3.3 It is also the case that data are collected from data subjects in the ordinary course of the business for the purpose of processing of new or renewal of loan application or services either application in person, through telephone or internet. This includes information obtained from credit reference agency.
資料當事人與本公司在延續正常業務運作中，本公司亦會收集資料當事人的資料，例如，親身或以電話或網上申請貸款或延續貸款賬戶、包括經信貸資料服務機構所獲得的資料。

3.4 The purposes for which data relating to the data subjects may be used will vary depending on the nature of the data subjects’ relationship with the Company. Broadly, they may comprise any or all of the following purposes:
資料當事人之資料的用途將視乎其與本公司的關係性質有所不同，大致而言，可包括下列任何或所有用途：

(a) considering, assessing and processing of applications for credit facilities and/or other financial services and facilities;
考慮、評估及處理信貸及/或其他金融財務服務及借貸授信申請；
(b)the daily operation of the services and credit facilities provided to data subjects;
提供服務和信貸便利給資料當事人之日常運作；
(c)conducting credit check and other status checks;
進行信貸及其他狀況審查；
(d)creating and maintaining the Company’s credit scoring models;
編制及維持本公司的信貸評分模式；
(e)assisting other financial institutions to conduct credit checks and collect debts;
協助其他財務機構作信用檢查及追討債務；
(f)ensuring ongoing credit worthiness of data subjects;
確保資料當事人信用維持良好；
(g)designing credit facilities and related financial services and products and facilities for data subjects’ use;
設計為資料當事人使用的信貸及相關貸款服務和產品及授信；
(h)marketing services, products and other subjects (please see further details in Paragraph 4 below);
為推廣財務服務、產品及其他項目（詳見下述第4段）；
(i)operating internal controls including determining the amounts of indebtedness owed to or by data subjects;
執行內部監控措施，包括確定本公司與資料當事人相互間的債務；
(j)provision of references (status enquiries);
提供信用查詢備考書(狀況查詢)；
(k)for operational purposes, credit assessment, credit scoring model or statistical analysis (including in each case, behaviour analysis and evaluation on overall relationship with the HKCF Group which includes using such data to comply with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information within HKCF Group 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), whether on the data subjects or otherwise;
為資料當事人或非資料當事人作營運用途、信貸評估、信貸評分模式或統計分析(包括在前述各情況下，作行為分析及評估與香港信用集團的整體關係，當中包括將資料用於遵守香港信用集團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香港信用集團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、規定、政策、程序、措施或安排；
(l) collection of amounts outstanding from data subjects and those providing security for data subjects’ obligations;
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；
(m) maintaining a credit history or otherwise, a record of data subjects (whether or not there exists any relationship between data subjects and the Company) for present and future reference;
作為維持資料當事人的信貸紀錄或其他紀錄，不論資料當事人與本公司是否存在任何關係，以作現在或將來參考用；
(n) complying with the obligations, requirements or arrangements for disclosing and using data that apply to the Company or that it is expected to comply according to:
為符合根據下述適用於本公司或期望本公司遵從的有關披露及使用資料之責任、規定或安排：
i. any law binding or applying to it within or outside 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對其具法律約束力或適用的任何法律；
ii. 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;
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；
iii. 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 the Company or any other member of HKCF Group 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;
本公司或任何其他香港信用集團成員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；

(o) comparing data of data subjects or other persons for credit checking, data verification or otherwise producing or verifying data, whether or not for the purpose of taking action against the data subjects;
與資料當事人或其他人士的資料作比較以進行信貸調查，資料核實或以其他方法產生或核實資料，不論有關比較是否為對該資料當事人採取不利的追討行動；
(p)enabling an actual or proposed assignee of the Company or any other member of HKCF Group, or participant or sub-participant of the rights of the Company or those of any other member of HKCF Group in respect of the data subject, to evaluate, enter into and administer the transaction intended to be the subject of the assignment, participation or sub-participation; and
讓本公司或任何其他香港信用集團成員的實際或建議承讓人或本公司或任何其他香港信用集團成員對資料當事人的權利的參與人或附屬參與人可評估、訂立及處理涉及有關該轉讓、參與或附屬參與的交易；及
(q) purposes specifically provided for in any particular service or facility offered by the Company. Such procedures include matching procedures (as defined in the Ordinance, but broadly includes comparison of two or more sets of the data subject’s data, for purposes of taking actions adverse to the interests of the data subjects, such as declining an application); and
本公司在提供特定服務或授信時特別設立的用途。有關程序包括配對程序(如該條例所界定，但大致包括比較資料當事人的兩組或更多資料，以決定採取不符合資料當事人利益的行動，例如否決申請)；及
(r)all other incidental and associated purposes relating to any of the above, including seeking professional advices.
一切與上述有關繫、有附帶性或有關的用途，包括尋求專業意見。
The Company keeps data only for as long as is reasonably required for the above purposes or as required by applicable law. This includes keeping, for as long as reasonably required, such data as required for handling enquiries relating to any of the above purposes.
本公司僅於上述用途上合理地需要或適用法律規定的期間保存有關資料。這包括在處理與以上任何用途有關的查詢而合理地需要的期間內保存有關資料。

3.5 Data held by the Company relating to data subjects will be kept confidential but the Company may provide such information to the following parties (whether within or outside Hong Kong) for any of the purposes set out in Paragraph 3.4:
本公司對其所持的資料當事人資料將會保密，但本公司可以因第3.4段所列的用途而把有關料提供予下列人士(不論是否在香港境內)：

(a) any member of HKCF Group, agent, contractor or third party service provider (or a subsidiary, holding company or related company thereof) who provides administrative, telecommunications, computer, payment, debt collection or securities clearing, data processing or other services to the Company or any other member of HKCF Group in connection with the operation of its business;
任何香港信用集團成員、代理人、承包商，或向本公司或任何其他香港信用集團成員提供與本公司或任何其他香港信用集團成員業務運作上有關的行政、電訊、電腦、支付、債務追收或證券結算、資料處理或其他服務的第三方服務供應商(或其附屬公司、控股公司或關連公司)；

(b)any other person which has undertaken expressly or impliedly to the Company or any other member of HKCF Group to keep such information confidential:
曾向本公司或任何其他香港信用集團成員明示或默示地承諾將有關資料保密的任何其他人士；

(c)any authorized institution (as such term is defined in the Banking Ordinance) or other authorized or regulated entity of similar nature in another jurisdiction with which the data subject has or proposes to have dealings;
任何認可機構(定義見《銀行業條例》)或於另一司法管轄區與資料當事人進行或擬進行交易的其他類似性質的認可或受規管實體；
(d)the drawee bank providing a copy of a paid cheque (which may contain information about the payee) to the drawer;
付款銀行向出票人提供已付款支票的副本（而期中可能載有關於收款人的資料）；
(e)third party service providers with whom the data subject has chosen to interact with in connection with the data subject’s application for the Company’s credit facilities and/or other financial products and services;
資料當事人因申請本公司的信貸授信及 / 或其他金融產品及服務而選擇接觸的第三方服務供應商；
(f)credit reference agencies, including but not limited to TE Credit Reference System, and in the event of default, to debt collection agencies;
信貸資料服務機構，包括但不限於TE信貸資料庫；而在資料當事人欠賬時，則可將該等資料提供給收數公司；
(g)any person receiving payment from the data subject, the banker of such person and any intermediaries which may handle or process such payment;
任何從資料當事人收取付款的人士、其收款銀行及任何處理或辦理該付款的中介人士；
(h)any person to whom the Company or any other member of HKCF Group is under an obligation or otherwise required to make disclosure under the requirements of any law binding on or applying to the Company or any other member of HKCF Group, or any disclosure under and for the purposes of any guidelines 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 the Company or any other member of HKCF Group is expected to comply, or any disclosure pursuant to any contractual or other commitment of the Company or any other member of HKCF Group 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 the Hong Kong Special Administrative Region and may be existing currently and in the future;
本公司或任何其他香港信用集團成員根據對本公司或任何其他香港信用集團成員具約束力或適用的任何法律規定，或根據及為符合任何法律、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並期望本公司或任何其他香港信用集團成員遵守的任何指引或指導，或根據本公司或任何其他香港信用集團成員與本地或外地的法律、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的任何合約或其他承諾(以上不論於香港境內或境外及不論目前或將來存在的)，而有義務或以其他方式被要求向其披露該等資料的任何人士；
(i) any actual or proposed assignee of the Company or any other member of HKCF Group, or participant or sub-participant or transferee of the rights of the Company or any other member of HKCF Group in respect of the data subject; and
本公司或任何其他香港信用集團成員的任何實際或建議承讓人，或本公司或任何其他香港信用集團成員對資料當事人的權利的參與人或附屬參與人或承讓人；及
i. any member of the HKCF Group;
任何香港信用集團成員;

ii. third party financial institutions, insurers, credit card companies, securities and investment services providers;
第三方金融機構、承保人、信用卡公司、證券及投資服務供應商；

iii. third party reward, loyalty, co-branding and privileges programme providers;
第三方奬賞、年資奬勵、聯名合作及優惠計劃供應商；

iv. joint-venture partners, business partners, service providers, co-branding partners of the Company (the name of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be);
本公司的合資公司、商業伙伴、服務供應商、合作品牌夥伴 (該等合作品牌夥伴名稱會於有關服務及產品的表格上列明)

v. charitable or non-profit making organisations; and
慈善或非牟利組織；及

vi. external service providers (including without limitation to mailing houses, telecommunication companies, telemarketing and direct sales agents, call centers, data processing companies and information technology companies) that the Company engages for the purposes set out in Paragraph 3.4(h) above, wherever situated.
就上述第3.4(h)段而獲本公司任用之第三方服務供應商（包括但不限於代寄郵件公司、電訊公司、電話促銷及直銷代理人、電話服務中心、數據處理公司及資訊科技公司），不論其所在地。

3.6 For the purpose of Paragraph 3.4(c) above, the Company may from time to time access and obtain consumer credit data of the data subject from a credit reference agency for reviewing any of the following matters in relation to the credit facilities granted:
就上述第3.4(c)段之目的，本公司可不時向信貸資料服務機構查閱及提取資料當事人的個人信貸資料，以檢討任何與信貸安排相關的下述事項：
(a) an increase in the credit amount;
增加信貸額；
(b)the curtailing of credit (including the termination of credit or a decrease in the facility amount); or
縮減信貸額（包括取消信貸或降低信貸額）；或
(c)the putting in place or the implementation of a schedule of arrangement with the data subject.
與資料當事人制訂或推行債務安排計劃。

When the Company accesses consumer credit data about a data subject held with a credit reference agency, it must comply with the Code of Practice on Consumer Credit Data approved and issued under the Ordinance (the “Code”) and other relevant regulatory requirements.
本公司向信貸資料服務機構查閱資料當事人的個人信貸資料時，必須符合根據該條例核准和發出之《個人信貸資料實務守則》(「該規定」) 及其他相關的監管的規定。

3.7 With respect to data in connection with unsecured loans or mortgage applied by the data subject (if appliable, and whether as a borrower, mortgagor or guarantor and whether in the data subject’s sole name or in joint names with others), the following data relating to the data subject (including any updated data of any of the following data from time to time) may be provided by the Company, on its own behalf and/or as agent, to a credit reference agency:
有關資料當時人無抵押貸款或按揭申請之資料（不論作為借款人、按揭人或擔保人及不論以資料當事人單名或與其他人士聯名方式），本公司（以其自身及/或代理人身份）可向信貸資料服務機構提供下述關於資料當事人的資料（包括任何下述資料中不時更新之任何資料）：

(a) full name;
全名；

(b) capacity in respect of each unsecured loans or mortgage (as borrower, mortgagor or guarantor, and whether in the data subject’s sole name or in joint names with others);
就每宗無抵押貸款或按揭的身份（即作為借款人、按揭人或擔保人，以及不論以資料當事人單名或與其他人士聯名方式）；

(c) identity card number or travel document number;
身分證號碼或旅遊證件號碼；

(d) date of birth;
出生日期；

(e) contact number;
聯絡電話；

(f) correspondence address;
通信地址；

(g) unsecured loans or mortgage account number in respect of each unsecured loans or mortgage;
就每宗無抵押貸款或按揭的按揭賬戶號碼；

(h) type of the facility and the amount in respect of each unsecured loans or mortgage;
就每宗無抵押貸款或按揭的信貸種類及金額；

(i) unsecured loans or mortgage account status in respect of each unsecured loans or mortgage (e.g. active, closed, write-off (other than due to a bankruptcy order), write-off due to a bankruptcy order); and
就每宗無抵押貸款或按揭的按揭賬戶狀況（如生效、已結束、撇賬（因破產命令除外）、因破產命令的撇賬）；及

(j) if any, unsecured loans or mortgage account closed date in respect of each unsecured loans or mortgage.
就每宗無抵押貸款或按揭的按揭賬戶結束日期（如適用）。

The credit reference agency will use the above data supplied by the Company for the purposes of compiling a count of the number of unsecured loans or mortgages from time to time held by a data subject with credit providers in Hong Kong, as borrower, mortgagor or guarantor respectively and whether in the data subject’s sole name or in 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).
信貸資料服務機構會使用上述由本公司提供的資料，統計資料當事人（分別以借款人、按揭人或擔保人身份、及不論其以單名或與其他人士聯名方式）不時與香港的信貸提供者持有之無抵押貸款或按揭宗數，於信貸資料庫內讓信貸提供者共用（須受該守則的規定所限）。

4. USE OF DATA IN DIRECT MARKETING
在直銷推廣中使用資料

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:
本公司擬把資料當事人的資料用於直銷推廣，而本公司爲該用途須獲得資料當事人同意(包括表示不反對)。就此，請注意：就此，請注意:

4.1 the name, contact details, products and services portfolio information, transaction pattern and behavior, 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;
本公司或會將本公司不時持有的資料當事人姓名、聯絡資料、產品及服務組合資料、交易模式及行為、財務背景及人口統計數據用於直銷推廣；

4.2 information relating to the data subjects’ use of the Company’s websites, mobile apps from time to time, whether through cookies or otherwise may be used by the Company in direct marketing;
資料當事人不時使用網站、流動應用程式的相關資料，不論是透過「曲奇」檔案或其他方式收集用於直銷推廣;

4.3 the following classes of services, products and subjects may be marketed:
可用作促銷下列類別的服務、產品及促銷標的:

(a) credit facilities and related financial services and products and products;
信貸及相關服務和產品及授信；

(b) reward, loyalty or privileges programmes and related services and products;
奬賞、年資奬勵或優惠計劃及相關服務和產品；

(c) services and products offered by joint venture partners, business partners, service providers, co-branding partners 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
本公司的合資公司、商業伙伴、服務供應商、合作品牌夥伴 (該等合作品牌夥伴名稱會於有關服務及產品的表格上列明)提供之服務及產品；及

(d) donations and contributions for charitable and/or non-profit making purpose.
為慈善及或非牟利的目的之捐款及資助。

4.4 the above services, products and subjects may be provided or (in the case of donations and contributions) solicited by the Company and/or:
上述服務、產品及促銷標的可由本公司及/或下述人士提供或（如涉及捐款及資助）募捐：

(a) any other member of HKCF Group
任何其他香港信用集團成員;

(b) joint venture partners, business partners, service providers, co-branding partners of the Company (the name of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be);
本公司的合資公司、商業伙伴、服務供應商、合作品牌夥伴 (該等合作品牌夥伴名稱會於有關服務及產品的表格上列明)；

(c) charitable or non-profit making organisations;
慈善或非牟利組織；

(d) third party financial institutions, insurers, credit card companies, securities, commodities and investment services providers; and
第三方金融機構、承保人、信用卡公司、證券、商品及投資服務供應商；

(e) third party reward, loyalty, co-branding or privileges programme providers.
第三方奬賞、年資奬勵、聯名合作及優惠計劃供應商。

4.5 in addition to marketing the above services, products and subject itself, the Company also intends to provide the data described in Paragraph 4.1 above to all of any of the persons described in Paragraph 4.4 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;
除本公司推廣上述服務、產品及項目外，本公司同時擬提供列明於上述第4.1段之資料至上述第4.4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、產品及項目，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）；

4.6 the Company may receive money or other property in return for providing the data to the other persons in Paragraph 4.5 above and, when requesting the data subject’s consent or no objection as described in Paragraph 4.5 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.
本公司如以上第4.5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4.5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。

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 at any time and without charge.
如資料當事人不希望本公司如上所述將其資料用於或提供予其他人士作直銷推廣用途，資料當事人可隨時通知本公司以行使其拒絶直銷推廣的權利，此安排並不收取任何費用。

5. SECURITY OF PERSONAL DATA
個人資料的保安

It is the policy of the Company to ensure an appropriate level of protection for personal data in order to prevent unauthorised access, processing or other use of that data, commensurate with the sensitivity of the data and the harm that would be caused by unauthorised access to that data. It is the practice of the Company to achieve appropriate levels of security protection by restricting physical access to data by providing secure storage facilities, and incorporating security measures into equipment in which data is held. Measures are taken to ensure the integrity, prudence, and competence of persons having access to personal data. Data is only transmitted by secure means.
本公司的政策為按照該條例的規定，為確保個人資料的保安程度，資料的敏感程度及因擅自查閱所造成的損害程度而提供適當的保障，以防止資料被擅自查閱、處理或作其他用途。為達到適當程度的保安，本公司的一貫做法為透過提供安全的儲存設施，以及在資料存置設備實施保安措施，來嚴格限制資料被查閱。本公司亦會採取措施以確保處理該等資料的人士具備良好操守、審慎態度及辦事能力。資料只會以妥善保安的方式傳送。

6. COLLECTION OF PERSONAL DATA
個人資料的收集

In relation to the collection of personal data on-line, the following practices are adopted:
有關本公司從互聯網收集個人資料，本公司會採納以下實務：

(a) On-line Security
網上保安

The Company will follow strict standards of security and confidentiality to protect any information provided to The Company online. Encryption technology is employed for sensitive data transmission on the Internet to protect individuals’ privacy.
本公司會按照嚴格的保安及保密標準保障在互聯網提供給本公司的任何資料。並已採用加密法在互聯網上傳輸敏感性的資料，以保障個人的私隱。

(b) Cookies
「曲奇」檔案
Cookies are small pieces of data transmitted from a web server to a web browser. Cookie data is stored on a local hard drive such that the web server can later read back the cookie data from a web browser. This is useful for allowing a website to maintain information on a particular user.
Cookies are designed to be read only by the website that provides them. Cookies cannot be used to obtain data from a user’s hard drive, get a user’s e-mail address or gather a user’s sensitive information.
The Company will only use cookies as a session identifier and will not store user’s sensitive information in cookies. Once a session is established, all the communications will use the cookies to identify a user. The cookies will expire once the session is closed. If users try to disable cookies from their web browsers, they may not be able to access the Company’s Internet and other financial services.
「曲奇」檔案是由網站伺服器傳送至瀏覽器的小段資訊，這些資料儲存於電腦硬碟中，使網站伺服器能於稍後再從瀏覽器內讀取。這有助網站保存某些使用者的資料。
「曲奇」檔案被設計成只可讓發出的網站讀取，但不能用作取得使用者的硬碟資料、電郵地址或收集使用者的敏感性資料。
本公司只利用「曲奇」檔案來鑑定特定期間的使用者，而不會把使用者的敏感性資料存置於「曲奇」檔案內。當使用者瀏覽本公司網站時，所有聯系將會利用「曲奇」檔案去鑑定使用者身份。當使用者結束瀏覽本公司網站時，「曲奇」檔案亦會無效。倘若使用者嘗試將其網絡瀏覽器的「曲奇」檔案設定為停止運作，便未必能使用本公司的網上及其他金融服務。

(c) On-line Correction
網上改正資料
Personal data provided to the Company through an on-line facility, once submitted, it may not be facilitated to be deleted, corrected or updated on-line. If deletion, correction and updates are not allowed online, users should approach relevant departments or branches.
透過網上設施提供給本公司的個人資料一經呈交，便未必能在網上取消、改正或更新。使用者如未能在網上作出取消、改正或更新，便須聯絡本公司有關部門或分行。

(d) On-line Retention
網上保留資料
Personal data collected on-line will be transferred to the Company’s relevant departments or branches for processing. Personal data will not be retained in web server’s database of the Company.
在網上收集的個人資料會被轉送到本公司有關部門或分行處理。個人資料一般不會存置於網站伺服器。

7. DATA ACCESS REQUESTS AND DATA CORRECTION REQUESTS
查閱資料要求及改正資料要求

7.1 Under and in accordance with the terms of the Ordinance and the Code, any data subject has the right:
根據及按照該條例及該守則的條款，任何資料當事人有權：

(a) 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;
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；

(b) to check whether the Company holds data about him/her and of access to such data;
查核本公司是否持有他的資料及查閱該等資料；

(c) to require the Company to correct any data relating to him/her which is inaccurate;
要求本公司改正任何有關他的不準確的資料；

(d) 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
按要求獲告知那些是會例行向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

(e) in relation to any account data (including, for the avoidance of doubt, any account repayment data) which has been provided by the Company to a credit reference agency, to instruct the Company, upon termination of the account by full repayment, to make a request to the credit reference agency to delete such account data from its database, as long as the instruction is given within five 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 five 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 the Company 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)).
對於本公司向信貸資料服務機構提供的任何賬戶資料（為免生疑問，包括任何賬戶還款資料），於悉數清償欠款以終止賬戶時，指示本公司要求有關信貸資料服務機構從其資料庫中刪除該等賬戶資料，惟是項指示必須於賬戶終止後5年內發出，且該賬戶在緊接賬戶終止之前5年內，並無超過60天的拖欠還款記錄。賬戶還款資料包括最後一次到期的還款額、最後一次報告期間所作出的還款額（即緊接本公司向信貸資料服務機構提供最後一次賬戶資料前不超過31天的期間）、剩餘可用信貸額、或未償還款額及欠款資料（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超過60天的欠賬之日期（如有））。

7.2 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 bankruptcy order) before the expiry of 60 days from the date such default occurred, the account repayment data (as defined in Paragraph 7.1(e) above) may be retained by the credit reference agency until the expiry or five years from the date of final settlement of the amount in default.
在賬戶出現任何欠款的情況下，除非欠款金額在由出現拖欠日期起計60天屆滿前全數清還或撇賬（因破產命令除外），信貸資料服務機構所可由全數清還欠款金額之日期起計5年保留賬戶還款資料（請見上述第7.1(e)段的定義）。

7.3 In the event any amount in an account is written-off due to a bankruptcy order being made against the data subject, the account repayment data (as defined in Paragraph 7.1(e) above) may be retained by the credit reference agency, regardless of whether the account repayment data reveal any default 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.
當資料當事人因被頒布破產命令而導致賬戶中的任何金額被撇賬，不論賬戶還款資料（請見上述第7.1(e)段的定義）是否顯示存有任何超過60天的欠款，信貸資料服務機構可由全數清還欠款金額之日期起計5年或由資料當事人提供證據通知信貸資料服務機構其已獲解除破產命令的日期起計5年保留賬戶還款資料（以較先出現者為準）。

7.4 The Company may obtain a credit report on or access the database of the data subject from a credit reference agency in considering any application for credit or conducting credit reviews from time to time. In the event the data subject wishes to access the credit report, the Company will advise the contact details of the relevant credit reference agency.
本公司考慮任何信貸申請或不時進行信貸審查時，可向信貸資料服務機構提取有關資料當事人的信貸報告或查閱資料當事人的資料庫。假如資料當事人希望查閱該信貸報告，本公司會提供有關信貸資料服務機構的聯絡詳情。

7.5 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.
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。

7.6 In accordance with the Ordinance, data subjects may make data access or data correction requests or request information regarding policies and practices and kinds of data held. Such requests should be addressed to:
根據該條例，資料當事人可要求查閱或更正資料，或索取資料以了解本公司的資料政策和慣例及所持有的資料種類。此等要求應向下列人士提出：

The Data Protection Officer 資料保障主任
Hong Kong Credit Finance Limited 香港信用財務有限公司
Room D, 3/F, Valiant Commercial Building, 22-24 Prat Avenue, Tsimshatsui, Kowloon

Tel 電話: 2803 2210
Fax 傳真: 2803 2050

8. In the event of any inconsistency between the English and Chinese versions of this Policy, the English version shall prevail.
本文義如有歧異，以英文本為準。