本通知為知會客戶有關 EZ Lend 好易借財務 的資料政策。
(a)
客戶在申請開立戶口，延續戶口及建立或延續信貸、或要求本公司提供其他服務時，需要不時向本公司提供有關的資料。
(b)
若未能向本公司提供有關資料會導致本公司無法開立或延續戶口或建立或延續信貸或提供本公司其他服務。
(c)
在客戶與本公司的正常金融業務往來過程中，本公司亦會收集到或接收有關的客戶的資料，該等資料包括但不限於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。
(d)
有關的客戶資料將可能會被本公司或該等資料的接收人用於下列用途：
-
(i)
為提供或處理服務，信貸授信的申請及為客戶提供服務和信貸便利所涉及之日常運作；
-
(ii)
在客戶申請信貸時及於每年（通常一次或多於一次）的定期或特別信貸覆核時，進行信用檢查；
-
(iii)
協助其他放債人及/或財務機構、信用卡或消費卡發行公司及收數公司作信貸檢查及追討債務；
- (iv) 確保客戶的信用維持良好；
- (v) 為客戶設計財務服務或有關產品；
-
(vi) 推廣服務、產品及其他標的（詳情請參閱以下（f）段）；
-
(vii) 計算客戶與本公司之間的賬項及／或債務；
-
(viii)
向客戶及為客戶提供擔保或抵押的人仕或與客戶以共同借款人身份所獲貸款而追收欠款；
-
(ix)
履行根據下列適用於本公司或其任何分行或為依循及施行任何預期本公司會遵從的監管或其他機構所發出的指引作出披露及使用資料的義務、規定或安排：
-
(1)
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；
-
(2)
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；
-
(3)
本公司或其任何分行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；
-
(x)
遵守與本公司同一集團的公司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本公司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、要求、政策、程序、措施或安排；
-
(xi)
使本公司的實在或建議承讓人，或本公司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；
- (xii) 進行核對程序；
-
(xiii) 編制及維持本公司的信貸評分模式；及
- (xiv) 與上述有關的用途。
(e)
本公司會把客戶的資料保密，但本公司可能會把有關資料提供給下述各方（包括在香港特別行政區以內或以外的地方）作第
(d) 段列出的用途：
-
(i)
任何中間人、承包商、或提供行政、電訊、電子資金轉帳服務、電腦、付款、收賬或其他和本公司業務運作有關的服務的第三者服務供應商；
-
(ii)
本公司的任何分行、附屬公司、控股公司、有聯繫公司或相關聯成員；
-
(iii)
任何對本公司有保密責任的人，包括對本公司有保密資料承諾的及與本公司同一集團的公司；
-
(iv)
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追款公司或律師行；
-
(v)
本公司或其任何分行根據對本公司或其任何分行具法律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其任何分行遵守的任何指引或指導，或根據本公司或其任何分行向本地或外地的法律、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（以上不論於香港特別行政區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；
-
(vi)
提供或擬提供擔保或第三方保證以擔保或保證客戶的責任的任何一方，及客戶如在某一項向本公司申請貸款時是與其他人仕以共同借款人身份所作出的該等其他人仕；
-
(vii)
本公司的任何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；及
- (1) 本公司的集團成員；
-
(2)
第三方金融機構、保險商、信用卡公司、證券及投資服務供應商；
- (3) 第三方回贈、客戶獎勵或優惠計劃供應商；
-
(4)
本公司及聯營夥伴（該等聯營夥伴的名稱載於相關服務及產品的申請表及／或宣傳單張／海報中）；
- (5) 慈善或非牟利機構；及
-
(6) 本公司為 (d)(vi)
段所列出的任何用途而聘用的外聘服務供應商（包括但不限於代客寄件中心、電訊公司、電話推廣及直銷公司、通訊中心、資料處理公司及資訊科技公司）。該等資料可轉傳至香港以外的地方。
(f)
在直接促銷中使用資料：客戶資料用於直接促銷，而本公司為該用途須獲得客戶同意（包括表示不反對）。就此，請注意：...（原文未改，繼續原樣）
(g)
任何關於資料查閱或改正資料，或關於資料政策及實際應用或資料種類的要求，請聯絡：
資料保障主任 EZ Lend 好易借財務
旺角西洋菜南街2A-2H號銀城廣場22樓01室
傳真: (852) 5560 0026
(h)
本公司可為考慮任何信貸申請，向信貸資料服務機構索取客戶的信貸報告。如客戶欲查閱信貸報告，本公司可在收取合理費用下，告知相關機構的聯絡資料。
(i)
「客戶」一詞包括借貸人及擔保人，其本人或該公司 (
及後者之董事、股東或公司人員)或非屬法人團體(獨資者或合夥人)。「信貸」意指個人信貸及商業信貸
( 包括分期租購或租用
)。文中提及之單一性別包括其他性別，而單數詞包括雙數詞。
(j) 本公司或如前文第 (e)
條所指的任何人士可在或可向其本身認為合適的國家處理、保存及轉移或披露客戶的資料。有關資料亦可根據該國當地的慣例和法律、法規和規定
( 包括任何政府行政措施和政令 ) 而作出發放或披露。
(l)
當客戶收悉本通知，本通知將被視作客戶已或企圖與本公司簽訂的合約、協議、信貸／貸款協議書及其他具約束力文件等的其中一部份。
(m)
客戶可隨時及在不收任何費用下選擇不收取本公司之直接促銷物品或資訊，請通過第(g)段提供的地址或傳真號碼以書面形式通知資料保障主任。
This notice is to inform customers of the data policy of EZ Lend
Financial Services.
(a)
When customers apply to open an account, renew an account,
establish or extend credit, or request other services from our
company, they will need to provide relevant data from time to
time.
(b)
Failure to provide such data may result in our company being
unable to open or renew accounts, establish or extend credit,
or provide other services.
(c)
In the course of normal financial business dealings with
customers, our company will also collect or receive relevant
customer data. Such data includes but is not limited to
personal, telephone, or online applications for loans or loan
account renewals, including data obtained from credit
reference agencies.
(d)
The relevant customer data may be used by our company or the
recipients of such data for the following purposes:
-
(i) Provision or processing of services, credit
authorization applications, and daily operations related to
providing services and credit facilities to customers;
-
(ii) Credit checks when customers apply for credit, and
during regular or special credit reviews (usually once or
more per year);
-
(iii) Assisting other money lenders and/or financial
institutions, credit or charge card issuers, and debt
collection companies in conducting credit checks and
recovering debts;
-
(iv) Ensuring customers maintain good credit standing;
-
(v) Designing financial services or related products for
customers;
-
(vi) Promoting services, products, and other subjects (see
section (f) below for details);
-
(vii) Computing accounts and/or debts between customers and
our company;
-
(viii) Collecting outstanding amounts from customers, from
persons who have provided guarantees or security for
customers, and from co-borrowers;
-
(ix) Fulfilling disclosure and data use obligations,
requirements, or arrangements under applicable laws or
guidance issued by regulatory or other bodies, including:
-
(1) Any laws currently or in the future binding or
applicable to our company, whether within or outside the
Hong Kong Special Administrative Region ("Hong Kong");
-
(2) Any guidelines or guidance currently or in the
future issued by any legal, regulatory, governmental,
tax, enforcement, or other authorities, or
self-regulatory or industry organizations or
associations of financial service providers, whether
within or outside Hong Kong;
-
(3) Any current or future contractual or other
commitments assumed by or imposed upon our company or
any of its branches with local or foreign legal,
regulatory, governmental, tax, enforcement, or other
authorities, or self-regulatory or industry
organizations or associations of financial service
providers;
-
(x) Complying with any obligations, requirements, policies,
procedures, measures, or arrangements specified by group
companies for sharing data and information within the group
for compliance with sanctions or prevention or detection of
money laundering, terrorist financing, or other unlawful
activities;
-
(xi) Enabling actual or proposed assignees of our company,
or participants or sub-participants in our company's rights
against customers, to evaluate intended assignments,
participations, or sub-participations;
- (xii) Conducting matching procedures;
-
(xiii) Compiling and maintaining our company's credit
scoring models; and
- (xiv) Purposes related to the above.
(e)
Our company will keep customer data confidential, but may
provide such data to the following parties (including within
or outside the Hong Kong Special Administrative Region) for
the purposes listed in section (d):
-
(i) Any intermediary, contractor, or third-party service
provider providing administrative, telecommunications,
electronic funds transfer, computer, payment, collection, or
other services related to our company's operations;
-
(ii) Any branch, subsidiary, holding company, associated
company, or related member of our company;
-
(iii) Any person with a duty of confidentiality to our
company, including those who have committed to keeping data
confidential and companies in the same group as our company;
-
(iv) Credit reference agencies; and in the event of customer
default, debt collection agencies or solicitors' firms;
-
(v) Any person to whom our company or any of its branches is
required or otherwise obligated to disclose data under
applicable laws, regulations, or guidelines issued by legal,
regulatory, governmental, tax, enforcement, or other
authorities, or self-regulatory or industry organizations or
associations of financial service providers;
-
(vi) Any party providing or proposing to provide guarantees
or third-party security for customer liabilities, and
co-borrowers on any loan application to our company;
-
(vii) Any actual or proposed assignee, participant,
sub-participant, or transferee of our company's rights
against customers; and
- (1) Group members of our company;
-
(2) Third-party financial institutions, insurers, credit
card companies, securities and investment service
providers;
-
(3) Third-party rebate, customer reward, or loyalty
scheme providers;
-
(4) Our company and joint venture partners (names listed
in application forms and/or promotional materials for
relevant services and products);
- (5) Charitable or non-profit organizations; and
-
(6) External service providers engaged by our company
for the purposes listed in section (d)(vi) (including
but not limited to mailing centers, telecommunications
companies, telemarketing and direct sales companies,
communication centers, data processing companies, and IT
companies). Such data may be transferred outside Hong
Kong.
(f)
Use of data in direct marketing: Customer data used for direct
marketing requires customer consent (including no objection).
In this regard, please note the applicable terms and
conditions governing such use.
(g)
For any request regarding data access or correction, or
regarding data policies, practical applications, or types of
data, please contact:
Data Protection Officer, EZ Lend Financial Services
Room 01, 22/F, Silver City Plaza, 2A-2H Sai Yeung Choi Street
South, Mong Kok
Fax: (852) 5560 0026
(h)
Our company may approach credit reference agencies to obtain
customers' credit reports for the purpose of considering any
credit application. If customers wish to view their credit
reports, our company can, upon payment of a reasonable fee,
provide the contact information of the relevant agency.
(i)
The term "customer" includes borrowers and guarantors, whether
individuals or companies (and the directors, shareholders, or
officers of the latter), or unincorporated bodies (sole
proprietors or partners). "Credit" refers to personal credit
and commercial credit (including hire purchase or leasing).
References to one gender include all genders, and singular
terms include plural terms.
(j)
Our company, or any person referred to in section (e) above,
may process, hold, transfer, or disclose customer data in or
to any country it deems appropriate. Such data may also be
disclosed in accordance with the local customs, laws,
regulations, and requirements of that country (including any
government administrative measures and decrees).
(k)
This notice does not limit customers' rights under the
Ordinance.
(l)
Upon receipt of this notice, it shall be deemed to form part
of any contract, agreement, credit/loan agreement, and other
binding documents that customers have entered into or intend
to enter into with our company.
(m)
Customers may at any time and at no cost choose to opt out of
receiving direct marketing materials or information from our
company by notifying the Data Protection Officer in writing
via the address or fax number provided in section (g).