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Privacy Policy

Personal Information Collection Statement

BY Finance Privacy Principles

BY Finance values your trust. BY Finance is committed to the full implementation and compliance with the six data protection principles and the requirements of the Personal Data (Privacy) Ordinance (Cap. 486, Laws of Hong Kong) (the “Ordinance”). This Statement is intended to assist you in understanding BY Finance's privacy policies and practices in relation to the personal data.


1.In this Statement, the term “data subjects” or “you” shall includea.

a. Visitors to this website, applicants and customers for loan facilities, and bond subscribers or holders issued by other relevant financial institutions

b. Directors, shareholders, executives and managers of any institutional

2. The content of this Statement shall apply to all data subjects and form part of the terms and conditions of the Loan Agreement and/or any agreement or arrangement that the data subjects have or may enter into with BY Finance from time to time. In the event of any inconsistency or discrepancy between this Statement and the relevant agreement or arrangement, this Statement shall prevail insofar as it relates to the protection of the data subject's personal data.

Collection of Personal Data

3. Data subjects must provide personal data to open or renew personal accounts, establish and extend credit and related financial services.

4. Whether apply in personal or through the InternetData subjects will be required to provide personal data to handle the opening or renewal of loan applications, bond subscriptions or other financial services.

5. If the data subjects fail to provide the personal data, BY Finance may not be able to process the loan application for the data subjects, open or update the account, loan services or other financial services.

6. The personal data of data subjects can be obtained from the credit reference agency (you may request the contact information of the agency).

Use of Personal Data

7. The personal data of data subjects may be used by BY Finance for:

a. considering and processing applications for products and services and the daily operation of products and services (including loan facilities and related financial products and services provided to data subjects);

b. conducting credit checks whenever appropriate (including at the time of application for loan and when we review credit which normally takes place one or more times each year);

c. creating and maintaining BY Finance's credit scoring or risk related models;

d. ensuring ongoing credit worthiness and good standing of data subjects;

e. assisting other financial institutions to conduct credit checks and to collect debts;

f. designing and developing loan/credit facilities and related financial products and services for customers' use;

g. conducting marketing research or developing membership programmes;

h. subject to obtaining the consent of data subjects, direct marketing services, marketing products, services and other subjects as described in paragraphs 6 and 7 below;

i. determining the amounts of indebtedness owed to or by data subjects;

j. exercising BY Finance's rights under contracts with data subjects, including collecting amounts outstanding from data subjects;

k. meeting obligations, requirements and arrangements, of BY Finance whether compulsory or voluntary, to comply with or in connection with:

i. any law, regulation, judgement, court order, voluntary code, sanctions regime applicable to BY Finance, existing currently or in the future;

ii. any guidelines, guidance, rules or codes of practice or requests given, published or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, relevant stock exchange, self-regulatory or industry bodies or associations of financial service providers within or outside Hong Kong existing currently or in the future;

iii. any present or future contractual or other commitment with legal, regulatory, judicial, administrative, public or law enforcement body, or governmental, tax, revenue, monetary, court or other authorities, relevant stock exchange, self-regulatory or industry bodies or associations of financial service providers or any of their agents that is assumed by, imposed on or applicable to BY Finance; and

iv. any agreement or treaty between the authorities described in (iii) above;

l. complying with any obligations, requirements, policies, procedures, measures or arrangements of BY Finance for the use of data and information for compliance with sanctions or prevention or detection of money laundering, terrorist financing or other unlawful activities;

m. enabling an actual or proposed assignee or transferee of all or any part of BY Finance's business and/or assets, or participant or sub-participant of BY Finance's rights in respect of loans/credit facilities relating to data subjects, to evaluate the transaction intended to be the subject of the assignment, transfer, participation or sub-participation and enabling the actual assignee or transferee to use such data in the operation of the business or rights assigned;

n. 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 such data subjects;

o. maintaining a credit history of the data subjects (whether or not there exists any relationship between the data subjects and BY Finance) for present and future reference;

Disclosure of personal data

8. All personal data held by BY Finance will be kept confidential but BY Finance may disclose or transfer such information to the following parties for the purposes set out in paragraph 7 above:

a. any third-party service provider who provides administrative, professional, advisory, telecommunication, information service, computer, payment, data processing, debt collection or other services to BY Finance in connection with the operation or maintenance of its business;

b. any other person who is under a duty of confidentiality to BY Finance and has undertaken to keep such information confidential

c. credit reference agencies and, in the event of default, debt collection agencies;

d. any rules, guidelines or codes of practice enacted or formulated in accordance with the requirements of the legally binding requirements for the BY Finance, or the judicial, regulatory, taxation, law enforcement, government, corporate/institutional establishment of the regulatory authority/financial services organization , or the current or future compliance with the local or overseas judicial, regulatory, taxation, law enforcement, government, corporate/industry, regulatory, financial services organizations, contracts or commitments required by BY Finance to comply with the guidelines for any person Disclosure responsibility;

e. any actual or proposed transferee or BY Finance's customer rights participant or affiliated participant or assignee of BY Finance

f. according to BY Finance's consent from the data subject, BY Finance may provide and disclose the personal data to below:

i) third party financial institution, insurer, credit card company, securities and investment service provider;

ii) a third party service provider (including but not limited to valet mailing center, telecommunications company, telephone marketing and direct sales agent, call center, data processing company) for the above (7) (h) And information technology company); the information is either transferred outside Hong Kong

Direct Marketing

9. BY Finance intends to use a data subject's data to conduct direct marketing of products or services and requires the data subject's consent (which includes an indication of no objection) for that purpose. In this connection, please note that:

a. the name, contact details, products and other service portfolio information, transaction pattern and behaviour, financial background and demographic data of data subject held by BY Finance from time to time may be used by BY Finance in direct marketing;

b. the classes of services, products and subjects which may be marketed includes credit/loan facilities and other financial services and products, membership programmes and related products and services, products and services offered by our co-branding partners;

c. the above services, products and subjects may be provided by BY Finance, third party financial institutions, insurers, securities and investment services providers, third-party membership programme providers or our co-branding partners;

d. in addition to marketing the above services, products and subjects itself, BY Finance also intends to provide the data described in sub-paragraph (a) above to all or any of the persons described in sub-paragraph (c) above for use by them in marketing those services, products and subjects, and BY Finance requires the data subject's consent (which includes an indication of no objection) for that purpose; and

e. BY Finance may receive money or other property in return for providing the data to the other persons in sub-paragraph (c) above and, when requesting data subject's consent or no objection as described in (9) (d) above, BY Finance will inform the data subject if we will receive any money or other property in return for providing the data to the other persons.

Use of Cookies

11. Cookies are small data files which are placed on data subject's device when data subject visits BY Finance's website, or clicks on BY Finance's online advertisements. Cookies or similar technologies are used for the following purposes:

a. statistical analysis of your on-site behaviour such as number of visits to our site, page views, length of time spent on each page. These are aggregated and therefore anonymous.

b. provide enhanced user experience, remember your preference within our website, enable easy navigation between public section and member owner section of our web property.

c. promote personalized products using your visited pages, and the website links you have followed to:

i. make BY Finance's website more relevant to your interests;

ii. provide online advertisements or offers on BY Finance's website or third-party websites which are most likely to interest you;

iii. evaluate the effectiveness of BY Finance's online marketing and advertising programs.

The above cookies may be placed on data subject's device by BY Finance or by third parties on BY Finance's behalf (for example, advertising networks and providers of external services like web traffic analysis services). Information recorded through the use of cookies by third parties are aggregated and then shared with BY Finance as anonymous aggregated research data. No personal contact information about data subjects is collected or shared by third parties with BY Finance as a result of the use of cookies.

Most web browsers are initially set up to accept cookies. Should you wish not to be tracked by this kind of technology, you can choose to ‘not accept’ cookies by changing the settings on your web browser. However, if you block all cookies, including strictly necessary cookies, you may not be able to use the BY Finance website properly.

Retention of personal data

12. The personal data provided by the data subject will be retained as long as it is still available for the intended purpose of collecting the information. In general, the retention period is up to 7 years.

Access and Correction of personal data

13. Under and in accordance with the terms of the Ordinance and the Code of Practice on Consumer Credit Data (the “Code”), you have the right:

a. to check whether BY Finance holds personal data about you and to access such data;

b. to require BY Finance to correct any personal data relating to you which is inaccurate;

c. to ascertain BY Finance's policies and practices in relation to personal data and to be informed of the kind of personal data held by BY Finance;

d. in relation to consumer credit data, to be informed, upon request, which items of personal 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

e. in relation to consumer credit data, upon termination of your account by full repayment and on condition that there has not been, within 5 years immediately before account termination, any material default on your account, to instruct BY Finance to make a request to the credit reference agency to delete from its database any account data relating to your terminated account.

14. If you default in repayment, unless the amount in default is fully repaid or written off (otherwise than due to a bankruptcy order) before the expiry of 60 days from the date such default occurred, your account repayment data (as defined at paragraph (11) (e)) may be retained by the credit reference agency until the expiry of 5 years from the date of final settlement of the amount in default.

16. If any amount owed by you is written off due to a bankruptcy order being made against you, your account repayment data (as defined at paragraph (11) (e)) may be retained by the credit reference agency, regardless of whether the account repayment data reveals any material default, until the expiry of 5 years from the date of final settlement of the amount in default or the expiry of 5 years from the date of your discharge from bankruptcy as notified to the credit reference agency by you with evidence.

17. In accordance with the terms of the Ordinance, BY Finance has the right to charge a reasonable fee for the processing of any data access request.

18. You should send any requests for access to personal data or correction of personal data or for information regarding our policies and practices.

19. Nothing in this Notification shall limit the rights of the data subjects under the Ordinance.

20. In case of discrepancies between the English and Chinese versions, the English version shall prevail.




寶元財務有限公司, (以下稱為" 寶元") 非常重視你的信任,寶元會遵守六條資料保護原則及個人資料(私隱)條例(香港法律第四八六章) (條例) 全力執行並確守個人資料私隱條例,此通知乃擬助你了解寶元收集並使用你的個人資料及你相關的權益。


1. 在這通告內,"資料當事人"一詞將涵蓋以下個別人士類別,包括::

a. 網頁訪客(如適用)丶貸款申請人及客戶和寶元及其他相關金融機構或設施發出之債券認購人或持有人,

b. 任何機構申請人之董事丶股東丶行政人員及經理

2. 此通知之內容將適用於所有資料當事人及借貸協議內其中一部份的條款及細則,及/或現在及將來所有寶元合約或安排所涉及的資料當事人。若此通告與合約有關保障個人資料部份出現不符或差異,所有有關保障資料當事人的個人資料以此通告為準。


3. 為了提供寶元業務,資料當事人必須提供個人資料以開立或續用個人帳戶,建立及延續信貸及相關金融服務。

4. 在執行寶元一般業務時,資料當事人無論通過親身或互聯網申請,均會被要求提供個人資料以處理開立的或更新貸款申請丶債券認購或其他金融服務。

5. 若資料當事人未能提供該個人資料,寶元可能無法為資料當事人處理借貸申請,開立或更新帳戶丶借貸服務或其他金融服務。

6. 資料當事人的個人資料可從信貸參考機構中取得(可要求提供該機構聯絡資料)。


7. 依從個人資料當事人是貸款申請人或客戶丶債券認購人或申請人,個人資料可被用作以下用途:

a. 取得貸款或相關金融服務申請人的評級,及/或處理和批核新及更新的申請及取消服務;

b. 為提供服務和信貸服務所涉及的日常運作;

c. 在客戶申請信貸時進行的信貸調查,及通常每年進行一次或以上的定期或特別信貸覆核;

d. 設立及維持寶元的的信貸評分模式;

e. 確保客戶持續維持可靠信用;

f. 協助其他金融機構作信用檢查及追討債務;

g. 設計供客戶使用的金融服務或有關產品;

h. 推廣服務丶產品及其他標的(詳情請參閱以下第(9) 段及(10) 段

i. 決定客戶對公司或公司對客戶的拖欠款額;

j. 確使客戶執行自己的責任,包括向客戶收集未償還的欠款;

k. 履行根據下列適用於寶元被期望遵守的就披露及使用資料的義務丶規定或安排:

i. 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對其具法律約束力或適用的任何法律;

ii. 寶元因其位於或跟相關本地或外地的法律丶監管丶政府丶稅務丶執法或其他機關,或自律監管或行業組織或協會的司法管轄區有關的金融丶商業丶業務或其他利益或活動,而向該等本地或外地的法律丶監管丶政府丶稅務丶執法或其他機關,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;及

iii. 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任何法律丶監管丶政府丶稅務丶執法或其他機關,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;

l. 遵守寶元集團為符合製裁或預防或偵測清洗黑錢丶恐怖分子融資活動或其他非法活動的任何方案就於寶元共用資料及資訊及/或資料及資訊的任何其他使用而指定的任何義務丶要求丶政策丶程序丶措施或安排;

m. 讓寶元的實際或建議承讓人,或就寶元對客戶享有的權利的參與人或附屬參與人評核其擬承讓丶參與或附屬參與的交易;

n. 比較資料當事人提供的資料及其他人士提供的信貸審批丶資料核證及製作或核實資料,無論這是否為資料當事人而作出的;及

o. 維持資料當事人的信貸紀錄(無論資料當事人與寶元的關係是否經已存在) 作現在或未來參考。


8. 寶元持有的個人資料將予保密,但寶元可能會把該等資料提供給下列各方作第(7) 段所述的用途(不論在香港特別行政區內外):

a. 任何代理人丶承包商丶或向寶元提供行政丶電訊丶電腦丶付款或證券結算或其他與寶元業務運作有關的其他服務的第三方服務供應商;

b. 任何對寶元有保密責任及已承諾保密該等資料的人;

c. 信貸調查機構,以及在欠帳時,將該等資料提供給收數公司;

d. 在根據對寶元具法律約束力的規定,或因司法丶監管丶稅務丶執法機構丶政府丶團體丶行業成立之監管局丶金融服務組織,所頒行或擬定的任何規則丶指引或實務守則,或現時或未來與本地或海外的司法丶監管丶稅務丶執法機構丶政府丶團體丶行業成立之監管局丶金融服務組織達成的合約或承諾所要求寶元遵守的指引,履行對任何人士的披露責任;

e. 寶元的任何實際或建議承讓人或寶元的客戶權利參與人或附屬參與人或受讓人;

f. 根據寶元獲得資料當事人的同意,寶元可提供及披露其持有個人資料予以下人士:

i. 第三者財務機構丶承保人丶信用卡公司丶證券及投資服務供應商;及

ii. 為達至以上(7) (h)項而被寶元僱用之第三者服務供應商(包括但不限於代客寄件中心丶電訊公司丶電話行銷及直銷代理人丶電話中心丶數據處理公司及資訊科技公司);有關資料或被轉移至香港境外。


9. 寶元擬把當事人的資料用於直接促銷,唯該用途須獲得客戶同意(包括表示不反對)。就此,請注意:

a. 寶元可能把寶元不時持有的客戶姓名丶聯絡資料丶産品及其他服務組合資料丶交易模式及行爲丶財務背景及人口統計數據用於直接促銷;

b. 可用作促銷下列類別的服務丶産品及標包括信用/財務及相關服務及產品;

c. 上述服務丶産品及標的可能由寶元及/或第三者財務機構丶承保人丶證券及投資服務供應商所提供;

d. 除由寶元促銷上述服務丶産品及標的以外,寶元亦擬將以上(9) (a)段所述的資料提供予以上(9) (c)段所述的全部或任何人士,以供該等人士在促銷該等服務丶産品及標的中使用,而寶元爲此用途須獲得客戶書面同意(包括表示不反對);

e. 寶元可能因如以上(9) (d)段所述將資料提供予其他人士而獲得金錢或其他財産的回報。寶元會通知資料當事人如寶元會因提供資料予其他人士而獲得任何金錢或其他財産的回報。


10. 資料當事人可在任何時間,無須付出任何費用,以書面通知私隱保護主任不接收任何由寶元發出的推廣資料及訊息。


11. Cookies 是在資料當事人瀏覽寶元網站特定部份或按一下寶元的網上廣告時放置在資料當事人設備上的小資料檔案。 Cookies 及類似技術用於為以下目的識別資料當事人的設備:-

a. 絕對必要的 Cookies。這些必要性Cookies 遍布寶元的整個網站,是寶元網站運作達到以下目的不可或缺的:

i. 允許寶元的網絡伺服器確定閣下網絡瀏覽器的Cookies 設定是否已啟用。寶元可藉此了解是否可從資料當事人的網絡瀏覽器中收集資料;

ii. 臨時允許資料當事人在寶元網站各頁面之間保留資料,以避免重新輸入該資料;

iii. 在資料當事人登入寶元網站的一個安全頁面後,臨時識別資料當事人的設備,以便寶元的網絡伺服器可以與資料當事人的網絡瀏覽器保持對話,使資料當事人能夠開展特定活動。

b. 分析性/表現性Cookies。這些Cookies 用於透過以下方式幫助寶元改善網站:

i. 追蹤閣下對寶元網站的瀏覽,並在資料當事人再度瀏覽時識別資料當事人的網絡瀏覽器,以便寶元能夠收集有關新訪客及現有訪客的統計資料,用以評估網站效率。

c. 功能Cookies。這些Cookies 用於在資料當事人返回寶元網站時對資料當事人進行識別。使寶元能夠:

i. 向資料當事人提供個人化內容,並記住閣下的喜好(例如,閣下對語言及地區的選擇);

ii. 儲存資料當事人的登入及其他喜好,以便在資料當事人返回本網站時不必重新輸入該資料。

d. 目標/廣告Cookies。這些Cookies 記錄資料當事人對寶元網站的瀏覽以及資料當事人對寶元網上廣告的回應,追蹤資料當事人曾瀏覽的頁面及打開的網站連結。寶元使用該資料來達到以下目的:

i. 使寶元的網站更符合資料當事人的興趣;

ii. 在寶元的網站或第三方網站發布最可能令資料當事人感興趣的網上廣告或要約邀請;

iii. 評估寶元網上推廣及廣告方案的效率。

以上Cookies 可能會由寶元或由第三方(例如,廣告性網絡以及網絡流量分析服務等外部服務的供應商)代表寶元放置到資料當事人的設備上。概不會因此收集或與第三方共用關於資料當事人的個人可識別資料。




12. 資料當事人所提供的個人資料,只要仍可用於收集資料的擬定目的,將予以保留。一般而言,保留期間最長為 7 年。


13. 根據條例中的條款及根據條例核准發出的個人信貸資料實務守則,任何個人有權∶

a. 查核寶元是否持有他的資料及查閱該等資料;

b. 要求寶元改正任何有關他的不准確的資料;

c. 查明寶元對於資料的政策及實務和獲告知寶元持有的個人資料種類;

d. 要求獲告知那些資料會被例行披露予信貸資料服務機構或追討欠款公司,及獲寶元提供進一步資料,以便向有關信貸資料服務機構或追討欠款公司提出查閱和改正資料的要求;及

e. 於悉數清償欠款而結束帳戶時,指示寶元要求該信貸資料服務機構,從資料庫刪除寶元曾經提供的任何帳戶資料(包括但不限於任何還款資料),惟是項指示須於結束帳戶後5年內提出,而該帳戶在緊接結束之前5年內,並無拖欠的記錄。帳戶還款資料包括上次到期的還款額,上次報告期間(即緊接寶元上次向信貸資料服務機構提供帳戶資料前不多於31日的期間)所作還款額,剩馀可用信貸額或未償還數額及欠款資料(即過期欠款額及逾期還款日數,清還過期欠款的日期,及全數清還拖欠為期超過60日的欠款的日期(如有))。

14. 如帳戶出現任何拖欠還款情況,除非拖欠金額在由拖欠日期起計60日屆滿前全數清還或已撇帳(因破產令導致撇帳除外),否則帳戶還款資料(定義見以上第(11) (e)段)會在全數清還該拖欠還款後被信貸資料服務機構繼續保留多5年。

15. 如客戶因被頒布破產令而導致任何帳戶金額被撇帳,不論帳戶還款資料有否顯示任何拖欠為期超過60日的還款,該帳戶還款資料(定義見以上第(11) ( e)段)會在全數清還該拖欠還款後被信貸資料服務機構繼續保留多5年,或由客戶提出證據通知信貸資料服務機構其已獲解除破產令後保留多5年,以較早出現的情況為準。

16. 根據條例的條款,寶元有權就處理任何查閱資料的要求收取合理費用。

17. 任何關於查閱或改正資料,或索取關於寶元的私隱政策及守則或所持有的資料種類的要求,請以書面形式聯絡寶元的私隱保障主任:

18. 本聲明不會限制資料當事人在個人資料(私隱)條例下所享有的權利。

19. 若中文與英文版本出現差異或爭議,將以英文版本為準。


寶元財務有限公司  Hong Kong