5.50 %    
 
 
 
 
 
 
  免責聲明
   
 

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私隱政策聲明

[English]
   
 
搜集資料的目的
本公司為以下目的搜集及運用(不論於香港或香港以外地區)由客戶提供的個人資料:
  1. 為客戶提供服務和信貸便利方面之日常運作;
  2. 為符合私隱條例所規定之互相配對程序;
  3. 作信貸資料檢查;
  4. 協助其他財務機構作信貸檢查及追收欠款;
  5. 對客戶不時作出的信貸評估;
  6. 設計財務服務或有關產品(包括但不限於保險服務或產品),以供客戶選用;
  7. 宣傳財務服務或有關產品;
  8. 確定客戶所欠或被欠的債務;
  9. 對客戶的責任行使本公司的權利,包括但不限於向客戶及為客戶提供抵押或擔保的人仕追收欠款;
  10. 維持及紀錄客戶的信貸紀錄以作為現有及將來的參考;
  11. 本公司或其分行、控股公司或附屬公司根據任何政府組職(不論於香港或香港以外地區)之任何法律、規則或指引作出披露;
  12. 讓任何本公司的實在或建議承讓人,或就本公司對客戶之權利的參與者或附屬參與者(或其代理)對所欲作出轉讓、參與或附屬參與之交易作出評估;及
  13. 與上述事宜有關的用途。
如客戶未能提供所需資料,本公司將可能無法為客戶開立或繼續提供任何信貸便利。
 
保密
 
  1. 任何代理、承辦商、或提供行政、電訊、電腦、保險、支付或抵押結算、信用備諮、信貸調查或其他與本公司業務運作有關的第三者服務供應商;
  2. 本公司的任何分行;
  3. 任何對本公司有保密責任並承諾將有關資料保密的人仕,包括與本公司同一 集團內的公司;
  4. 提供支票副本(可能包含受款人之資料)予開票人的收取支票銀行;
  5. 任何和客戶已進行或將進行交易的財務機構,以便它們對該客戶進行信貸調查;
  6. 根據任何對本公司或其分行、控股公司、附屬公司有約束力的法例,而向有關人仕披露資料,該等人仕包括但不限於擁有監督本公司或其分行、控股公司、附屬公司之任何政府部門;及
  7. 任何本公司的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。
本公司亦可向信貸資料服務機構、本公司認可的收賬公司及其他認可組織披露所需的客戶個人資料,以便收取款項、追討欠款及採取與向客戶追收欠款有關的合法行動或措施。
 
信貸資料服務機構保留之資料

除非逾期欠款金額由欠款日起計60日內被全數清還,否則,閣下的相關信貸資料有可能被信貸資料服務機構保留,直至該欠賬金額最終獲全數清還之日起計5年之期屆滿為止。

 
客戶權益
根據私隱條例及受制於私隱條例項下的例外情況,任何人仕:
  1. 有權查核本公司是否擁有其資料及有權獲得該等資料;
  2. 有權要求本公司改正與其有關但與事實不符的資料;
  3. 有權知道本公司處理資料的政策和常規,以及要求本公司透露持有其何種個人資料;
  4. 有權要求被通知定期向信貸資料服務機構或收賬公司披露之資料項目,及提供更多的資料,使其能夠向有關信貸資料服務機構或收賬公司提出獲取及更正有關資料之要求;及
  5. 除住宅樓宇按揭貸款外,當賬戶全數結清而終止時並符合在賬戶終止前5年內沒有嚴重欠款的條件下,客戶有權向本公司發出指示,要求信貸資料服務機構刪除已終止賬戶的有關資料。
我們保留收取手續費之權利,用以支付處理資料查詢所引致的行政費用。
 
如有任何查詢,請以書面形式致函:

香港九龍彌敦道515-517號好收成商業大廈14樓
資料保護主任

 
 
 
 
以上條款及細則將以英文版本為準。
 
Privacy Policy [中文]
 
Purpose for collection of data
All personal data provided by customers are collected and used by Centaline Finance Limited (CFL)(whether inside or outside Hong Kong) for:
  1. the daily operation of the services and credit facilities provided to customers;
  2. purposes in connection with matching procedures as defined in the Privacy Ordinance;
  3. conducting credit checks;
  4. assisting other financial institutions to conduct credit checks and collect debts;
  5. ensuring ongoing credit worthiness of customers;
  6. designing financial services or related products (including but not limited to services or products in respect of insurance policies) for customers' use;
  7. marketing financial services or related products;
  8. determining the amount of indebtedness owed to or by customers;
  9. the enforcement of customers' obligations, including but not limited to the collection of amounts outstanding from customers and from those providing security or guarantee for customers' obligations;
  10. maintaining and recording credit history of customers for present and future reference;
  11. meeting the requirements to make disclosure under any laws, regulations or guidelines issued by any governmental authorities (whether inside or outside Hong Kong) binding on CFL or any of its branches, holding companies or subsidiaries;
  12. enabling any actual or proposed assignees of CFL or participants or sub-participants (or their agents) of the CFL's rights in respect of customers to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation; and
  13. purposes relating thereto.
Failure to supply any data requested may result in CFL not being able to open or continue or provide any credit facilities for customers.
 
Confidentiality
CFL will treat all personal data of customers confidentially in accordance with the principles laid down in the Privacy Ordinance. However, disclosure of such data may be made and such data may be transferred or provided, for the above mentioned purposes, to such persons (whether inside or outside Hong Kong) as may be in accordance with CFL's policies on use and disclosure of personal data set out in statements, circulars, notices or terms and conditions made available by CFL to its customers from time to time, including:
  1. any agent, contractor or third party service provider who provides administrative, telecommunications, computer, insurance, payment or securities clearing, collection credit reference or checking or other services to CFL or its customers in connection with the operation of CFL's business;
  2. any branches of CFL;
    any other person under a duty of confidentiality to CFL including a group company of CFL which has undertaken to keep such information confidential;
  3. the drawee bank providing a copy of a paid cheque (which may contain information about the payee) to the drawer;
  4. any financial institution with which the customer has or proposes to have dealings to enable such financial institution to conduct credit checks on the customer;
  5. any person to whom CFL or any of its branches, holding companies, subsidiaries is under an obligation to make disclosure under the requirements of any law binding on CFL or any of its branches, holding companies or subsidiaries, including but not limited to any governmental agency having authority under any laws to supervise CFL and any branches, holding companies or subsidiaries of CFL; and
  6. any actual or proposed assignee of CFL or participants or sub-participants or transferees (or their agents) of CFL's rights in respect of the customer.
 
CFL may also disclose such personal data to credit reference agencies, and CFL's authorised debt collection agencies and other authorised parties for the purpose of collection, recovery and any other actions or remedies available legally to CFL for outstanding debt due to CFL.
 
Retention of data by Credit Reference Agency
In relation to consumer credit, in the event of any default in payment, unless the amount in default is fully repaid by the customer before the expiry of 60 days from the date such default occurred, the customer shall be liable to have his/her account data retained by credit reference agencies until the expiry of 5 years from the date of final settlement of the amount in default.
 
Customer's right
In accordance with the terms of the Privacy Ordinance and subject to the exemptions set out therein, any individual:
  1. has the right to check whether CFL holds any data about him and the right of access to such data;
  2. has the right to require CFL to correct any data relating to him which is inaccurate;
  3. has the right to ascertain CFL's policies and practices in relation to data and to be informed of the kind of personal data held by CFL;
  4. has the right to request to be informed 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
  5. regarding any credit (other than residential mortgage loan) granted or to be granted to such individual, upon termination of the account for such credit by full repayment and on condition that there has not been, within 5 years immediately before such account termination, any material default on the account, such individual has the right to instruct CFL to make a request to the relevant credit reference agency to delete from its database any account data relating to the terminated account.
 
We do reserve the right to charge a modest fee to cover our administrative costs of complying with such requests.
 
Any requests should be made in writing to:
The Data Protection Officer
Centaline Finance Limited
14/F, Good Harvest Commercial Building, 515-517 Nathan Road, Kowloon
 
The Chinese translation of these Terms and Condition is provided for convenience only and the English version shall prevail for all purposes.