Privacy Policy

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 our insurance products and services, including but not limited to requests for addition, alteration or deletion of insurance benefits or insured members, 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 the Company’s 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 the Company's service
7. preparing statistics and conducting research
8. marketing services, products and other subjects (please see further details in paragraph (4) of this Statement)
9. complying with the obligations, requirements and/or arrangements for disclosing and using data that bind on or apply to the Company or that it is expected to comply according to:
   1. any law binding or applying to it within or outside the Hong Kong Special Administrative Region (“Hong Kong”) existing currently and in the future;
   2. 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
   3. 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 the Company 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 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 or sub-participation; and
12. any other purposes relating to the purposes listed above.

1. any agent, contractor or third party service provider who provides services to the Company in connection with the operation of 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 the Company (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 the Company;
3. reinsurance companies with whom the Company has or proposes to have dealings;
4. any person or entity to whom the Company is under an obligation or otherwise required to make disclosure under the requirements of any law or rules, regulations, codes of practice, 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 binding on or applying to the Company or with which the Company is expected to comply, or any disclosure pursuant to any contractual or other commitment of the Company 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 the Company’s rights or business;
6. third party reward, loyalty, co-branding and privileges program providers; and
7. external service providers that the Company engages for the purposes set out in paragraph (2)(viii) of this Statement.Such information may be transferred to a place outside Hong Kong.

1. the name, contact details, products and services portfolio information, transaction pattern and behavior, financial background and demographic data of you held by the Company from time to time may be used by the Company in direct marketing;
2. the following services, products and subjects may be marketed:
   1. insurance, financial and related services and products; and
   2. reward, loyalty or privileges programs and related services and products;
3. the above services, products and subjects may be provided by the Company and/or third party reward, loyalty, co-branding or privileges program providers

You also have the right, by writing to the Company at the address or fax number provided in paragraph (5) of this Statement, to request for the Company's policies and practices in relation to personal data and to be informed of the kinds of personal data held by the Company.

The Company keeps 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 the Company at 2543 4893.

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

The Company retains the right to change this Statement.