Personal Data Privacy and Personal Information Collection Statement

Personal data means any information relating to an individual from which the identity of the individual can be ascertained, directly or indirectly. In order to enable Cashing Pro to provide better services, it is necessary from time to time for customer to provide Cashing Pro with personal data when opening or continuing loan accounts, establishing or continuing loan facilities or receiving other financial services. We may collect the following data relating to you, which may become personal data from time to time, including but not limited to:

a. Name;

b. HKID number or passport number, including copies of the identity card and travel document and data embedded in the integrated circuits in such documents;

c. Nationality or residency status;

d. Birth date;

e. Biometric data; including but not limited to facial image(s) and data embedded in biometrically enabled identity and/or travel documents whether obtained through biometric sensor moduled on the electronic devices of the data subject(s) or otherwise;

f. Telephone/mobile phone number(s);

g. Personal financial status;

h. Income or assets information;

i. Employment information;

j. Residential information;

k. Bank account or stored value facility account details;

l. The content of all conversations between you and Cashing Pro, including your browsing and use of the Cashing Pro’s website, the content of the conversation data of Cashing Pro’s official WhatsApp, and the content of the call, is for the purpose of identifying the individual who uses the Company’s services, assisting in the investigation and handling of complaints, and resolve any disputes that may arise in the future;；

m. Any other or further information regarding loan application approval, loan account management or maintenance that Cashing Pro deems necessary.

The personal data of data subjects may be used by Cashing Pro for the following purposes:

a. processing and approving applications for products and daily operation related to providing loan services to customers;

b. conducting credit checks for new application, re-application or renewal application of data subjects;

c. Cashing Pro shall have the right to inquire data subject’s credit information for the purposes of processing loan application and assessing future repayment within the credit reference agencies. Credit Information includes information in whole or in part such as amount applied for, instalment periods, approval, rejection, payout, overdue payment, arrears, debt collection agencies, bad debt, and interest arrears.

d. In order to obtain data subject’s credit assessment, Cashing Pro is entitled to upload data subject’s credit data and subsequent repayment status data to the credit reference agencies to facilitate the approval of the loan application and/or the provision of the related financial services;

e. credit data uploaded by data subject, may be used as credit reference by other companies and organizations of the credit reference agencies;

f. creating and maintaining the Cashing Pro’s credit scoring or risk related models;

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

h. updating the personal information of data subjects from time to time for assisting the Company and other credit providers in the Hong Kong approved for participation in Credit Data Smart (Multiple Credit Reference Agencies Model) to conduct credit checks and collect debts;

i. designing and developing loan/credit facilities and related financial products and services for data subjects’ use;

j. determining the amounts of indebtedness owed by data subjects to Cashing Pro;

k. exercising the Company’s rights under contracts with data subjects including collecting amounts outstanding from data subjects;

m. complying with any obligations, requirements, policies, procedures, measures or arrangements of Cashing Pro or group company for the use of data and information in accordance with sanctions or prevention or detection of money laundering, terrorist financing or other unlawful activities;

n. enabling an actual or proposed assignee or transferee of all or any part of the Cashing Pro’s business and/or assets, or participant or sub-participant of the Cashing Pro’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;

o. 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;

p. maintaining a credit history or otherwise, a record of data subjects (whether or not there exists any relationship between data subjects and the Company) for present and future reference;

q. managing, upgrading, maintaining or providing Cashing Pro’s official WhatsApp and processing or responding to any data subjects’ enquiries or requests through Cashing Pro’s official WhatsApp;

r. conducting marketing research or internal study for providing better loan services;

s. subject to the consent of data subjects, direct marketing services, marketing products, services and related matters as described in paragraph 8 below; and

t. purposes incidental, associated or relating thereto. In relation to personal data of customers, the purposes listed in paragraphs (a) to (q) (inclusive) and any purposes related thereto are “obligatory” purposes, meaning that customers must permit Cashing Pro to use their personal data for these purposes if they wish to use Cashing Pro’s services. The purposes listed in paragraph (r) and (s) and any purposes related thereto are “voluntary” purposes, meaning that customers have a choice whether Cashing Pro can use their personal data for these purposes and if a customer does not want Cashing Pro to use his/her personal data for those purposes, he/she can tell Cashing Pro and Cashing Pro will not use his/her personal data for those purposes.
In relation to personal data of Third Parties, the purposes listed in paragraphs (a) to (s) and any purposes related thereto are “voluntary” purposes, meaning that Third Parties have a choice whether Cashing Pro can use their personal data for these purposes and if a Third Party does not want Cashing Pro to use his/her personal data for these purposes, he/she can tell Cashing Pro or the customer of his/her wish not to disclose such personal data to Cashing Pro, and the customer shall not thereafter provide such personal data to Cashing Pro and Cashing Pro will not use his/her personal data for those purposes if Cashing Pro is aware that Third Party does not consent to the use of such personal data for such purposes.

“Cookies”
When users visit our website may be recorded for analysis on the number of visitors to the website and Mobile Application and general usage patterns. Some of this information will be gathered through the use of “Cookies”. “Cookies” are designed to be read only by the sending website, but cannot be used to obtain a user’s hard drive data, email address or to collect sensitive information of user. Small data files are placed on data subject’s device when data subject visits Cashing Pro’s website, engages with Cashing Pro’s official WhatsApp, or clicks on the Company’s online advertisement such that the web server can later read back the cookie data from a web browser. This is useful for allowing a website to maintain information on a particular user. “Cookies” or similar technique applied to the purposes below:

a. Cashing Pro only uses “Cookies” to identify users in a specific period, and does not store sensitive information of users in “Cookies”. When users browse the Cashing Pro website, all contacts will use “Cookies” to identify users.

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

c. In order to improve the user experience, remember your preferences when using the Cashing Pro website so that you can easily navigate both the public and member part; and

d. Use of pages visited by the data subject and links to websites opened to promote personalized products:

– make Cashing Pro’s website more relevant to the interests of you;

– provide online advertisements on Cashing Pro’s website or third-party websites that are most likely to interest you; and

– evaluate the effectiveness of Cashing Pro’s online marketing and advertising programs.

The above cookies may be placed on data subject’s device by the Company or by third parties on the Company’s behalf (for example, advertising networks and providers of external services like web traffic analysis services). These cookies will be managed by big, recognizable advertising networks and providers of external services, including but not limited to Google or Facebook. Information recorded through the use of cookies by third parties are aggregated and then shared with the Company as anonymous aggregated research data. No personal contact information about data subjects is collected or shared by third parties with the Company as a result of the use of cookies. The cookies will expire once the session is closed.

To find out more about the information-gathering practices and opt-out procedures of cookies for Google and Facebook, please visit at:

Google：

Facebook：

Should there be any inconsistencies between the English and Chinese versions, the English version shall prevail.

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 ‘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 Cashing Pro’s website and Cashing Pro’s official WhatsApp properly.

e. Data correction online

Personal data may not be changed, deleted or updated once submitted online. If user cannot change, delete or update data online, you should call Cashing Pro at 2366-8859.

f. Online retention of information

Personal data collected online will be sent to related departments, contractors or service providers for processing. Personal data will not be stored in Cashing Pro website’s server normally.

the following classes of services, products and subjects to be used in direct marketing:

a. Finance-related services and products;

b. Rewards, loyalty or privilege programs and related services and products;

c. Third party reward, loyalty, co-branding or privileges programme providers; co-branding partners of Cashing Pro (the names of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be).

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 Cashing Pro holds personal data about you and to access such data.

b. to require Cashing Pro to correct any personal data relating to you which is inaccurate;

c. to ascertain Cashing Pro’s policies and practices in relation to personal data and to be informed of the kind of personal data held by Cashing Pro;

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 (including, for the avoidance of doubt, any account repayment data), upon termination of your account by full repayment and on condition that there has not been, to instruct the Company to make a request to the credit reference agencies to delete from its database any account data relating to your terminated account, as long as the instruction is given within five years of termination and at no time was there any default of payment in relation to the account, lasting in excess of sixty (60) days within five years immediately before account termination.
Account repayment data include amount last due, amount of payment made during the last reporting period (being a period not exceeding thirty-one (31) days immediately preceding the last contribution of account data by Cashing Pro to credit reference agencies), remaining available credit or outstanding balance and default data (being amount past due and number of days past due, date of settlement of amount past due, and date of final settlement of amount in default lasting in excess of sixty (60) days (if any)).

If any amount owed by you is written off due to a bankruptcy order being made against you, your account repayment data (as defined in the Code) may be retained by the credit reference agencies, regardless of whether the account repayment data reveals any material default, until

i. the expiry of 5 years from the date of final settlement of the amount in default; or

ii. the expiry of 5 years from the date of your discharge from bankruptcy as notified to the credit reference agencies by you with evidence, whichever is earlier.。