Personal Data Collection Statement

Personal data relating to you may be used for the following purposes:


  1. processing applications for insurance products and services;

  2. providing insurance products and services to you and processing requests made by you in relation to ourinsurance products and services, including but not limited to requests for addition, alteration or deletion of insurance coverage, setting up of direct debit facilities as well as cancellation, renewal, or reinstatement of insurance policies;

  3. processing, adjudicating and defending insurance claims as well as conducting any incidental investigation;

  4. performing functions and activities incidental to the provision of insurance products and services such as identity verification, data matching and reinsurance arrangement;

  5. exercising our rights in connection with the provision of insurance products and services to you from time to time,  for example, to recover indebtedness from you;

  6. designing insurance products and services with a view to improving our service;

  7. preparing statistics and conducting research;

  8. marketing services, products and other subjects as detailed in this Statement;

  9. complying with the obligations, requirements and/or arrangements for disclosing and using data that binds on or applies to us or that it is expected to comply according to:

    • ​any law binding or applying to it within or outside the Hong Kong Special Administrative Region (hereinafter referred to as "Hong Kong") existing currently and in the future;

    • any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement or  other authorities, or self-regulatory or  industry bodies or associations of insurance or financial services providers within or outside Hong Kong existing currently and in the future; or

    • any present or future contractual or other commitment with local or foreign legal, regulatory, governmental, tax, law enforcement or other  authorities, or self- regulatory or industry bodies or associations of insurance or financial services providers that is assumed by or imposed on us by reason of its financial, commercial, business or other interests or activities in or related to the jurisdiction of the relevant local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations;

  10. ​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 programs for compliance with sanctions or prevention or detection of money laundering,  terrorist financing or other unlawful activities;

  11. enabling an actual or proposed assignee, transferee, participant or sub-participant of the Company's rights or business to evaluate the transaction intended to be the subject of the assignment, transfer, participation orsub-participation; and

  12. any other purposes relating to the purposes listed above.


Personal data held by us relating to you will be kept confidential but we may provide such data to the following parties for the purposes set out in this Statement:


  1. any agent, contractor or third party service provider who provides services to is in connection with the operationof its business including  administrative, telecommunications, computer, payment, data processing, storage, investigation and debt collection services as well as other services incidental to the provision of insurance products and services by us (such as loss adjusters, claim investigators, debt collection agencies,  data processing companies and professional advisors);

  2. any other person or entity under a duty of confidentiality to us which has undertaken to keep such dataconfidential;

  3. reinsurance companies with whom we have or propose to have dealings;

  4. any person or entity to whom we are under an obligation or otherwise required to make disclosure under therequirements of any law or rules, regulations, codes of practice, guidelines or guidance given or issued by anylegal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of insurance or financial services providers binding on or applying to us or with which we are expected to comply, or any disclosure pursuant to any contractual or other commitment of us with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of insurance or financial services providers, all of which may be within or outside Hong Kong and may be existing currently and in the future;

  5. any actual or proposed assignee, transferee, participant or sub-participant of our rights or business;

  6. third party reward, loyalty, co-branding and privileges program providers;

  7. our co-branding partners; and

  8. external service providers (including but not limited to mailing houses, telecommunication companies, telemarketing and direct sales agents, call centres, data processing companies and information technology companies) that we engage for the purposes set out in this Statement.

Such information may be transferred to a place outside Hong Kong.


We may use your personal data in direct marketing.  Save in the circumstances exempted in the Ordinance,we cannot so use your personal data without your consent (which includes an indication of no objection). In this connection, please note that:


  1. the name, contact details, products and services portfolio information, transaction pattern and behavior, financial background and demographic data of you held by us from time to time may be used by us in direct marketing;

  2. the following services, products and subjects may be marketed:

    • ​insurance and related services and products

    • reward, loyalty or privileges programs and related services and products; and

    • services and products offered by our co-branding partners;

  3. ​the above services, products and subjects may be provided by us and/or:

    • ​third party reward, loyalty, co-branding or privileges program providers; and/or

    • our co-branding partners.

If you do not wish us to use your personal data in direct marketing as described above, youmay exercise your opt-out right by notifying us.  You may write to our Data Protection Officer by mail or by fax, or provide us with your opt-out choice in the relevant application form (if applicable).


In accordance with the Ordinance, you have the right to check whether we hold personal data about you and to require us to provide a copy of such data (data access right) and to correct the data which is inaccurate.  Such requests can be made in writing to our Data Protection Officer by mail or by fax. 


You also have the right, by writing to our Data Protection Officer by mail or by fax to request for the kinds of Personal Data held by us.

We keep your Personal Data only for a period reasonably necessary for any of the above purposes or as prescribed by the applicable laws or regulations.


Should you have any query with this Statement, please do not hesitate to contact our Data Protection Officer.


According to the Ordinance, we have the right to charge a reasonable fee for the processing of any data access request.


Nothing in this Statement shall limit the rights of the customers under the Ordinance.


We retain the right to change this Statement.