| (a) |
From time to time, it is necessary for customers and other persons (whether corporate or otherwise) ("Third Parties") to supply the Bank with data, including, without limitation, copies of Hong Kong Identity Cards ("ID Cards") and ID Card numbers in connection with (i) the opening, maintaining or continuing of accounts, (ii) the establishment or continuation of banking facilities or provision of banking services and (iii) the provision of guarantees and security for customers' obligations. |
| (b) |
Failure to supply such data may result in the Bank being unable to open, maintain or continue accounts or establish or continue banking facilities or provide banking services. |
| (c) |
It is also the case that data are collected from customers or Third Parties in the ordinary course of the banking relationship, for example, when customers write cheques, deposit money or gain access to or otherwise use the Bank's services or facilities. |
| (d) |
The purposes for which data relating to customers and Third Parties may be used, stored, disclosed, transferred and / or exchanged by the Bank are as follows:
- the daily provision and operation of, or gaining of access to, banking services and credit facilities provided to customers, including the provision of automatic teller machine ("ATM") services, credit card, charge card facilities and services provided via the Internet;
- 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) and collecting debts;
- creating and maintaining the Bank's credit scoring models;
- assisting other financial institutions and credit reference agencies to conduct and provide services to the Bank and any other person on credit checks, data updates, credit reports and debts collection;
- ensuring ongoing credit worthiness of customers and / or Third Parties;
- researching, designing, launching, promoting and marketing services or products of the Bank and / or selected companies for the use by customers and / or Third Parties (including but not limited to, provision and exchange of non-financial information with selected business institutions);
- determining the amount of indebtedness owed to or by customers or Third Parties, as the case may be;
- providing to and / or complying with requests for information from sureties, guarantors and other security providers of the customers;
- the enforcement of the customers' or Third Parties' obligations, including, without limitation, the collection of amounts outstanding from customers and those providing security for customers' obligations;
- complying with requests for data, items and information from the regulator (local or foreign) of, or any other competent government authority or agency regulating the Bank, its ultimate holding company, any subsidiary and affiliate of the Bank or of its ultimate holding company and all associated companies / affiliate (being companies in which an equity interest is held by the foregoing) (collectively "Bank Group Members") or meeting the requirements to make disclosure or treat the data under the requirements of any law, regulation, guideline, code, rule, manual, direction, agreement or contract which is applicable to or binding on the Bank or any of its Bank Group Members;
- enabling an actual or proposed assignee of the Bank or participant or sub-participant or transferee of the Bank's rights in respect of the customers and the Third Parties or purchaser of all or part of the Bank's business, assets or its shares to evaluate the transaction intended to be the subject of the assignment, participation, sub-participation, transfer or purchase;
- purposes specifically provided for in any particular service or facility offered by the Bank or any Bank Group Member; and / or
- purposes relating or incidental to any of the above;
and the Bank may carry out "matching procedures" (as such expression is defined in the Ordinance) in respect of all such purposes. |
| (e) |
Data held by the Bank relating to customers and Third Parties will be kept confidential but the Bank may provide such information to the following persons for any of the purposes set out in paragraph (d) and the purposes otherwise specifically provided for:
- any person when the Bank is compelled or obliged to make disclosure under the requirements of any law, regulation, guideline, code, rule, manual, direction, agreement or contract which is applicable to or binding on it or any Bank Group Members, including without limitation, tax authorities, police authorities, the Hong Kong Monetary Authority, The Stock Exchange of Hong Kong Limited, the Securities and Futures Commission, Office of the Privacy Commissioner for Personal Data and / or any other legal, governmental or regulatory authorities, whether within or outside Hong Kong;
- any person with the express or implied consent of the customers or the Third Parties;
- any person where the interests of the Bank or any Bank Group Member require disclosure;
- any person where the public interest requires disclosure;
- any agent, contractor or third party service provider who provides administrative, data processing, telecommunications, computer, payment, debt collection or securities clearing or other services to the Bank or any Bank Group Member in connection with the operation of its business, whether in or outside Hong Kong for the purposes of such services;
- any other branch of the Bank, any Bank Group Member or Liu Chong Hing Investment Limited ("LCHI"), LCHI's ultimate holding company, any subsidiary and affiliate of LCHI or of its ultimate holding company, and all LCHI's associated companies / affiliate (being companies in which an equity interest is held by LCHI);
- any other person under a duty of confidentiality to the Bank;
- any nominee, trustee, co-trustee, centralised securities depositary, registrar, custodian, brokers or dealers or other persons who are involved in, and for the purposes of, the provision of banking services or products to customers or any auditor or legal / professional advisor of the Bank;
- any financial institution with which the customers or the Third Parties have or propose to have dealings;
- Joint Electronic Teller Services Limited ("JETCO"), Electronic Payment Service Co. (Hong Kong) Ltd., ("EPSCO"), the operator of any ATM or point of sale terminal within the JETCO and EPSCO network, other issuers of ATM cards within the JETCO Network and any other operators or service providers of any ATM or point of sale terminal located in Hong Kong or the People's Republic of China;
- banks of drawers of cheques made payable to the customer for the purpose of confirming to such drawers payment to the customer under such cheques;
- credit reference agencies, debt collection agencies, consumer credit grantors, credit bureaux, financial institutions, accountants, legal advisors, governments (including all overseas governments and the government of the People's Republic of China) and departments thereof, and quasi governmental authorities, courts and tribunals (including those of overseas countries) of competent jurisdiction;
- any actual or proposed assignee of the Bank or participant or sub-participant or transferee of the Bank's rights in respect of the customers and the Third Parties and any other company with which the Bank is to merge or which may be seeking to acquire all or any part of the Bank's business or shares;
- any third party whose name or logo appears on the credit cards or debit cards of customers;
- any surety, guarantor or any other person providing or considering to provide security for the customers; and / or
- selected companies for the purpose of informing customers and / or Third Parties of services which the Bank believes will be of interest to customers and / or Third Parties.
|
| (f) |
Data held by the Bank relating to customers and Third Parties may be transferred to, stored and processed at places (including places outside Hong Kong) at any time and from time to time where the Bank deems necessary. |
| (g) |
Under and in accordance with the terms of (among others) the Ordinance and the Code of Practice on Consumer Credit Data ("Consumer Code") approved and issued under the Ordinance, any individual has the right :
-
to check whether the Bank holds data about him and of access to such data;
- to require the Bank to correct any data relating to him which is inaccurate;
- to ascertain the Bank's policies and practices in relation to data and to be informed of the kind of personal data held by the Bank;
- 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
- in relation to data which has been provided by the Bank to a credit reference agency, to instruct the Bank 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 Bank, whichever is earlier.
|
| (h) |
In accordance with the terms of the Ordinance, the Bank has the right to charge a reasonable fee for the processing of any data access request. |
| (i) |
Data of customers or Third Parties may also be provided by customers or Third Parties to the Bank by telephone. Customers and Third Parties are aware that telephone calls with Bank staff may be recorded and used as evidence by the Bank without further notice. |
| (j) |
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 as follows: -
The Data Protection Officer
Chong Hing Bank Limited
15/F Chong Hing Bank Centre
24 Des Voeux Road Central
Hong Kong |
| (k) |
Nothing in this Notice shall limit the rights of customers or Third Parties under the Ordinance and the Consumer Code. |
| *Note |
For the purpose of this Notice, "person" includes an individual, a sole proprietor, a firm, a company, a corporation, a society and an unincorporated body of persons. |
2006 December
|
| (1) |
The personal data collected in your application will be used by Chong Hing Bank Limited (the 'Bank') to assess your suitability to assume the job duties of the position for which you have applied and to determine the preliminary remuneration and benefits package in discussion with you in case you are short-listed for the position. All personal data provided herewith will be kept in strict confidence. |
| (2) |
Your personal data will be disclosed to any third parties who have legitimate interests in your application. When there are any suitable vacancies of similar nature in any group member of the Liu Chong Hing Group, we may transfer your application to them for consideration of employment. |
| (3) |
If your application is unsuccessful, all personal data and documents that you have provided will not be returned but will be destroyed twelve months after the Bank's completion of the whole recruitment process. |
| (4) |
If you wish to request access to, and to request correction of, your personal data in relation to your application, please send your written request to the Bank's Human Resources Department. According to the Personal Data (Privacy) Ordinance, the Bank may charge you a reasonable fee for the processing of any data access request. |
| (5) |
The Bank reserves the right, with your written consent, to contact your past employers, referees and / or other related persons to seek confirmation or further information. |
| (6) |
You agree and authorize the Bank to arrange for your pre-employment medical examination and to obtain such report in case you are offered for employment. |
| (7) |
You agree that the Bank is entitled to obtain from you your personal credit information and / or report in case you are offered for employment. |
