Collecting personal data
We collect personal data from you that you provide to us directly or automatically when accessing or using the Website. We will only use personal data as necessary for the purposes outlined below and in compliance with the applicable laws.
We may request that you provide personal data such as your name, address, phone number, email address, identify proof, bank account information, etc. for the following purposes:
Considering and processing your applications for financial and investment products and services offered by FinEX Asia.
Providing our products and services to you, and giving effect to your instructions in relation to other specific transactions or otherwise that involve you.
Notifying you about changes to our products and services.
Deciding whether or not to provide credit to you or assessing your credit worthiness and good standing. This may include but is not limited to conducting credit checks upon a pending application for consumer credit or to review whether changes need to be made to an existing credit facility.
Marketing financial, investment and other products and services to you, as described in the Direct Marketing Section below;
Enforcing our rights under contracts, including but not limited to collecting amounts outstanding.
Meeting our obligations, requirements or arrangements, to comply with or in connection with the applicable laws, guidelines, guidance or requests given or issued by any local or foreign legal, regulatory, judicial, administrative, public or law enforcement body, or governmental, tax, revenue, monetary, securities or futures exchange, court, central bank or other authorities, or self-regulatory or industry bodies or associations of financial service providers or any of their agents.
Complying with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information and/or any other use of data and information in accordance with any programmes for compliance with sanctions or prevention or detection of crime, money-laundering, terrorist financing or other unlawful activities.
Enabling an actual or proposed assignee of FinEX Asia (including without limitation any person, business or entity with whom it is proposed FinEX Asia will merge or to whom FinEX Asia proposes to dispose of all or any part of its business), or participant or sub-participant of FinEX Asia’s rights in respect of the Customers to evaluate the transaction intended to be the subject of the assignment, merger, disposal, participation or sub-participation.
Purposes directly relating to the purposes listed above.
On or before collection of the personal data that you give us, we will inform you whether it is obligatory or voluntary to supply such personal data. Failure to supply personal data that is marked as obligatory may result in FinEX Asia being unable to provide the relevant products and services fully or at all.
Other data that we collect
When you visit our Website, we may also automatically collect data such as your IP address, geographic data, which browser you are using, information about your computer’s operating system, application version, language settings, etc. This data is collected for the following purposes:
to administer the Website and for internal operations, including troubleshooting, data analysis, testing, research, and statistical purposes;
to improve the Website to ensure that content is presented in the most effective manner for our users;
to allow you to participate in interactive features of our service, when you choose to do so;
as part of our efforts to keep the Website safe and secure;
to measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you;
to make suggestions and recommendations about products or services that may be of interest.
Transfer or disclosure of personal data
Personal data held by us will be kept confidential. We may however provide such data to other parties (whether local or overseas) for the purposes set out above. These include:
Any agent, contractor or third-party service provider (including third party payment providers) of FinEX Asia who provide services in connection with the operation or maintenance of our business, including their employees, officers, agents, contractors, service providers and professional advisers.
Credit reference agencies (CRA) and, in the event of default, to debt collection agencies.
Any financial institution, securities and investment services providers with which you have or propose to have dealings.
Any persons, businesses or entities giving or proposing to give a guarantee or security to guarantee or secure your obligations to us.
Legal, regulatory, judicial, administrative, public or law enforcement body, or governmental, tax, revenue, monetary, securities or futures exchange, court, central bank or other authorities, or self-regulatory or industry bodies or associations of financial service providers or any of their agents.
Any person, business or entity to whom FinEX Asia is under an obligation to make disclosure for the purposes set out above.
Any person, business or entity wishing to provide funds to FinEX Asia for the purposes of financing its business.
Any person, business or entity to whom you have given consent as to the transfer of personal data for direct marketing.
Any actual or proposed assignee of FinEX Asia or any assignee of FinEX Asia’s rights. Analytics and search engine providers that assist us in the improvement and optimisation of the Website.
Any other person, business or entity to whom transfer of personal data has consented to expressly or impliedly by you.
Credit reference agencies (CRA)
As stated above, we may provide your personal data to a CRA (primarily for assessing your credit worthiness) and in the event of a default, we may also provide your personal data to debt collection agencies.
You have the following rights relating to deletion and the retention of that transferred data:
Where you have applied for consumer credit, you can instruct us to make a request to the relevant CRA to delete from its database any account data relating to any credit that has been terminated by full repayment provided that there has not been, within five (5) years immediately before such termination, a default in payment under the credit for a period in excess of sixty (60) days according to our records.
If there is any default in payment, unless the amount in default is fully repaid or written off (other than due to bankruptcy order) before the expiry of sixty (60) days from the date of default, your account data may be retained by the relevant CRA until the expiry of five (5) years from the date of final settlement of the amount in default.
In the event of any amount being written off due to a bankruptcy order being made against you, the relevant CRA may retain your account data until the earlier of (i) the expiry of five (5) years from the date of final settlement of the amount in default, or (ii) the expiry of five (5) years from the date of your discharge from bankruptcy as notified to the CRA by you with evidence.
We may use your personal data to provide you with information about financial and investment products and services. Your name, contact details, information relating to your interest in our products and services, transaction pattern and behaviour, financial background and demographic data held by us from time to time may be used by us for such direct marketing. Direct marketing communications will be through electronic means (e.g. email or SMS) and may be conducted by us or our service providers.
We will only use your personal data for direct marketing as outlined above if we have obtained your consent to do so. You can indicate whether you consent to us using your personal data for direct marketing, for instance by ticking the relevant boxes on the forms on which we collect your data.
If you do not wish for us to use or transfer to third parties your personal data for use in direct marketing as described above, you can unsubscribe anytime free of charge. Please reach out to us using the contract details provided below.
Protecting your personal data
All personal data you provide to us is stored on our secure servers. All payment transactions will be encrypted.
Where we have given you (or where you have chosen) log-in credentials such as a username, password or any other piece of information as part of our security procedures, you will be solely responsible for keeping these log-in credentials confidential and not sharing these with anyone.
Transmission of data via the Internet or other media is not completely secure. Although we will do our best to enhance the security of such transmission, we cannot guarantee the security of your data transmitted to us.
Personal data that we collect from you through the Website will be retained until the fulfilment of the above purposes or as may be required by applicable laws.
Data access requests
You may make a request to us to:
confirm whether we hold your personal data;
be supplied with a copy of such data;
correct any of your personal data held with us that is inaccurate;
inform you of our policies and practices in relation to data and the kind of data held by us.
in relation to consumer credit:
1. inform you which items of data are routinely disclosed to CRAs or debt collection agencies, and be provided with further information to enable the making of an access and correction request to the relevant CRA or debt collection agency;
2. be provided with information of the relevant CRA that provided us with a credit report on you.
Your right of access and correction can be exercised in accordance with the applicable laws. We may charge a reasonable fee for the processing of any data access request.
Requests for access to data or correction of data or for information regarding policies and practices and kinds of data should be directed to:
|Data Protection Officer||:||Greta Kwong
|Address||:||5/F Champion Tower, 3 Garden Road, Central, Hong Kong|
Third party links
Our Website may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.