Privacy Policy Statement
Click HERE to download the Privacy Policy Statement
This Privacy Policy Statement relates to the policies and practices of China Minsheng Banking Corp., Ltd. Hong Kong Branch (a joint stock limited company incorporated in the People’s Republic of China) (“Bank”) in protecting personal data privacy.
The Bank respects personal data privacy and recognizes the importance of protecting the personal data we hold. It is the policy of the Bank to observe the Personal Data (Privacy) Ordinance of Hong Kong and other relevant laws and regulations in collecting, maintaining and using the personal data we hold. In doing so, the Bank will ensure compliance by the staff with the strictest standards of security and confidentiality.
Kinds of Personal Data Held
There are three broad categories of personal data held in the Bank. They comprise personal data contained in the following:
1. Data subject^ records, which are necessary for data subjects to supply to the Bank from time to time:
(a) in connection with the opening or continuation of accounts and the establishment or continuation of banking facilities or provision of financial, insurance, credit card, securities, commodities, investment, banking and related services and products and facilities;
(b) in the ordinary course of the continuation of the relationship between the Bank and data subjects, for example, when data subjects write cheques, deposit money, effect transactions through credit cards issued or serviced by the Bank or generally communicate verbally or in writing with the Bank.
2. Employee* records, which include but are not limited to the name, address, e-mail address, contact phone number, educational background, curriculum vitae, medical checks records and relevant personal data of family members of employees.
3. Other individuals records, including but not limited to the Bank's web portal visitors/users, service providers, business partners, etc.
^The term “data subject(s)”, wherever mentioned in this Statement, includes the following categories of individuals:-
(a) applicants for or customer/users of financial, insurance, credit card, securities, commodities, investment, banking and related services and products and facilities and so forth provided by the Bank and their authorised signatories;
(b) sureties, guarantors and parties providing or proposing to provide security, guarantee or any form of support for obligations owed to the Bank; and
(c) directors, shareholders, officers, managers and beneficial owners of any corporate applicants and data subjects/users and any other authorised persons of any corporate applicants and data subjects/users as duly authorised by them from time to time.
*The term “employee”, wherever mentioned in this Statement, includes Bank’s employees (including former employees) and/or applicants for any openings offered by the Bank
Purposes of Keeping Personal Data
1. In relation to data subjects:
(a) processing applications for and maintaining the daily operation of the services and credit facilities for the data subjects or related corporates ;
(b) provision of bank reference;
(c) conducting credit checks at the time of application for credit and at the time of regular or special reviews which normally will take place one or more times each year;
(d) creating and maintaining the Bank's credit scoring models and risk rating systems;
(e) maintaining a credit track record of the data subjects (whether or not there exists any relationship between the data subjects and the Bank) for present and future reference;
(f) assisting other credit providers in Hong Kong approval for participation in the Multiple Credit Reference Agencies Model (hereinafter referred to as “credit providers”), credit card issuing companies and debt collection agents to conduct credit checks and collect debts;
(g) ensuring ongoing credit worthiness of the data subjects;
(h) conducting customer surveys and/or designing financial services or related products for the data subjects' use;
(i) marketing services, products and other subjects (please see further details in paragraph 11 of the Bank’s Notice to Customers and Other Individuals Relating to the Collection and Processing of Personal Data (“PICS”));
(j) determining the amount of indebtedness owed to or by the data subjects;
(k) enforcement of the data subjects’ obligation, collection of amounts outstanding from the data subjects and those providing security for the data subjects' obligations;
(l) complying with the obligations, requirements or arrangements for disclosing and using data that apply to the Bank or any of its branches or that it is expected to comply according to:
(1) any law binding or applying to it within or outside 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 financial services providers within or outside Hong Kong existing currently and in the future (e.g. guidelines or guidance given or issued by the Inland Revenue Department including those concerning automatic exchange of financial account information); and
(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 financial services providers that is assumed by or imposed on the Bank or any of its branches 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 authority, or self-regulatory or industry bodies or associations;
(m) complying with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information within the Bank and/or any other use of data and information in accordance with any group-wide programmes for compliance with sanctions or prevention or detection of money laundering, terrorist financing or other unlawful activities;
(n) enabling an actual or proposed assignee of the Bank, or participant or sub-participant of the Bank's rights in respect of the data subjects to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation;
(o) carrying out matching procedures (as defined in the Personal Data (Privacy) Ordinance of Hong Kong); and
(p) any other purposes relating thereto.
2. In relation to employees (as and where applicable):
For recruitment and human resource management purposes, including but not limited to the following purposes: processing employment application, employees’ appointment, salary, employment benefits, termination, performance appraisal and discipline, and conducting reference check with previous employers, etc.
3. In relation to other individuals:
The purposes for which the records relating to other individuals may be used are as follows: engaging, managing, monitoring and assessing the business relationship with the suppliers, contractors, service providers, business partners and their staff who provide services to the Bank; and facilitating the daily operation and administration of the above.
Collection and Use of Personal Data
In relation to the collection of the personal data, the Bank will provide the related individuals with a copy of a personal information collection statement informing them of the purpose of collection, classes of persons to whom the data may be transferred, their rights to access and correct the data, and other relevant information.
In relation to the collection of personal data online, the following practices are adopted:
The Bank collects personal data from the Bank's web portal visitors/users on a voluntary basis. Personal data collected by the Bank will be used for the purposes indicated in the respective screens in which the Bank's web portal visitors/users are invited to provide personal data and in our PICS.
Personal data held by the Bank is kept confidential. The Bank will not use personal data collected from the Bank's web portal visitors/users for any purposes other than those already specified to the Bank's web portal visitors/users herein or in our PICS unless the Bank's web portal visitors/users have expressly agreed to such purposes, or unless such usage is permitted or required by law.
If you are our customer and are using our services on-line, or if you are a visitor and are applying for our services on-line, the Bank may collect information from you. Failure to provide such information to the Bank may result in the Bank being unable to entertain your application for such services or products.
This website (excluding Internet banking and mobile banking) does not use cookie or similar tracking technology. For information on how the Bank’s Internet banking and mobile banking use cookie or similar tracking technology, please refer to the Bank’s E-channels Privacy Policy (only Chinese version is available)
Disclosure and/or Transfer of Personal Data
The Bank follows strict privacy procedures in regard to protection of personal data. No disclosure and/or transfer of personal data to third parties is allowed unless the related individual has been previously consented to, or such disclosure and/or transfer is made in accordance with PICS or (as and where applicable) the relevant notice in connection with the collection of employee records or the disclosure and/or transfer is permitted or required by any law binding on the Bank.
Retention of Personal Data
Personal data collected by the Bank will not be kept longer than necessary for the fulfillment of the purposes for which the personal data and information are or are to be used at the time of the collection and for compliance with the legal, regulatory and accounting requirements from time to time.
Security of Personal Data
All personal data provided to the Bank is secured with restricted access by authorized personnel.
Personal data may be transferred to, or stored at, a location outside of your country of residence. Regardless of where personal data is transferred, the Bank takes all steps reasonably necessary to ensure that personal data is kept securely.
If the Bank engages service providers to handle or process personal data (whether within or outside Hong Kong) on the Bank's behalf, the Bank would adopt contractual or other means to prevent unauthorized or accidental access, processing, erasure, loss or use of the data transferred to the service providers for processing.
You should be aware that the Internet is not a secure form of communication and sending and receiving information over the Internet carries with it risks including the risk of access and interference by unauthorized third parties. Information passing over the Internet may be transmitted internationally (even when sender and recipient are located in the same country) via countries with weaker privacy and data protection laws than in your country of residence. The Bank does not accept responsibility or liability for the confidentiality, security or integrity of your personal data in connection with its transmission over the Internet.
Accuracy of Personal Data
It is the policy of the Bank to ensure that all practicable steps have been taken to maintain the accuracy of all personal data collected and processed by the Bank having regard to the purpose for which the personal data is or is to be used.
Other Terms and Conditions
There may be specific terms and conditions in our banking and product agreements that govern the collection, use and disclosure of your personal data. Such other terms and conditions must be read in conjunctions with this Privacy Policy Statement.
Direct Marketing
If you do not wish us to use or provide to other persons your personal data for use in direct marketing, you may exercise your opt-out right by notifying us.
Personal Information Collection Statement
Please see the Bank’s “Notice to Customers and Other Individuals Relating to the Collection and Processing of Personal Data”.
Changes to the Privacy Policy Statement
The contents of this Statement may be amended from time to time without prior notice. Please approach the Bank or check the Bank's web portal regularly for the latest Privacy Policy Statement.
Data Access Requests and Data Correction Requests
Subject to applicable law, regulations and/or banking industry guidelines, you may have the right to request a copy of the personal data processed in relation to you, the Bank may be allowed by law to charge a fee for a copy of personal data.
Request for access to data or correction of data or for information regarding policies and practices and kinds of data held should be addressed to:
The Data Protection Officer
China Minsheng Banking Corp., Ltd. Hong Kong Branch
40th Floor, Two International Finance Centre, 8 Finance Street, Central, Hong Kong
Telephone: 2281 6800
Fax: 2899 2617
If there is any inconsistency between the English version and the Chinese version of this Statement, the English version shall prevail.
February 2025
私隐政策声明
请按此下载私隐政策声明
本私隐政策声明是阐述中国民生银行股份有限公司香港分行（于中华人民共和国注册成立的股份有限公司）（「本行」）对于致力保障个人资料私隐的政策及实务。
本行尊重个人资料私隐及深明保护个人资料之重要性。于收集、纪录维护及使用本行持有的个人资料时恪守香港《个人资料(私隐)条例》及相关法律法规是本行之政策。为履行此承诺，本行会确保属下职员依从保安及保密方面最严格的规定。
所持个人资料的类别
本行持有的个人资料主要分为三大类。他们分别由以下各项所含个人资料组成：
1. 关于资料当事人^记录，资料当事人需不时向本行提供有关资料：
(a) 在开立或延续账户、建立或延续银行授信或提供金融、保险、银行卡、证券、商品、投资、银行及相关服务和产品及授信；
(b) 在资料当事人与本行延续正常业务往来期间，例如，当资料当事人签发支票、存款或透过本公司发出的或提供的银行卡进行交易或在一般情况下以口头或书面形式与本公司沟通时。
2. 关于雇员*记录，包括但不限于本行雇员的姓名、地址、电邮地址、联络电话号码、教育背景、履历、体检记录及家属的相关个人资料等。
3. 其他人士的记录，包括但不限于本行网页的浏览人士或使用者、服务提供商、商业伙伴等。
^「资料当事人」一词，不论于本声明何处提及，包括以下为个人的类别：
a. 本行提供的金融、保险、信用卡、证券、商品、投资、银行及相关服务和产品及授信的申请人或客户/用户及其被授权人；
b. 基于对本行负有的责任而出任担保人、保证人及提供抵押、担保或任何形式的支持的人士；及
c. 任何公司申请人及资料当事人/用户的董事、股东、高级职员、经理及实际受益人以及不时获任何公司申请人及资料当事人/用户正式授权的任何公司申请人及资料当事人/用户的任何其他获授权人士。
*「雇员」一词，不论在本声明何处提及，包括本行的雇员（包括前雇员）及/或申请本行任何职位的申请人。
保存个人资料的主要目的
1. 关于资料当事人：
(a) 处理资料当事人或相关公司就服务和信贷融通提出的申请，及为前述人士或公司提供服务和信贷融通所涉及的日常运作；
(b) 提供银行证明书；
(c) 于资料当事人申请信贷时及于每年(通常一次或多于一次)的定期或特别信贷复核时，进行信用检查；
(d) 设立及维持本行的信贷评分模式及风险评分系统；
(e) 保存资料当事人的信贷纪录（不论资料当事人与本行是否存在任何关系），以作现在或将来参考之用；
(f) 协助其他在香港获准加入多家个人信贷资料服务机构模式的信贷提供者、信用卡发行公司及催收欠款公司进行信用检查及追讨欠债；
(g) 确保资料当事人持续维持可靠信用；
(h) 进行客户意见调查及/或设计供资料当事人使用的金融服务或有关产品；
(i) 推广服务、产品及其他标的（详情请参阅本行「关于收集和处理个人资料致客户及其他个别人士的通知」(「个人资料收集声明」)的第11段）；
(j) 确定本行对资料当事人或资料当事人对本行的结欠债务金额；
(k) 强制执行资料当事人的责任、向资料当事人及为资料当事人债务提供抵押的人士追讨欠款；
(l) 履行根据下列适用于本行或其任何分行或本行或其任何分行被期望遵守的就披露及使用资料的义务、规定或安排：
(1) 不论于香港境内或境外及不论目前或将来存在的对其具法律约束力或适用的任何法律；
(2) 不论于香港境内或境外及不论目前或将来存在的任何法律、监管、政府、税务、执法或其他机关，或金融服务供应商的自律监管或行业组织或协会作出或发出的任何指引或指导(例如，税务局作出或发出的指引或指南，包括关于自动交换财务帐户资料的指引或指南)；及
(3) 本行或其任何分行因其位于或跟相关本地或外地的法律、监管、政府、税务、执法或其他机关，或自律监管或行业组织或协会的司法管辖区有关的金融、商业、业务或其他利益或活动，而向该等本地或外地的法律、监管、政府、税务、执法或其他机关，或金融服务供应商的自律监管或行业组织或协会承担或被彼等施加的任何目前或将来的合约或其他承诺；
(m) 遵守本行为符合制裁或预防或侦测清洗黑钱、恐怖分子融资活动或其他非法活动的任何方案就于本行内共享资料及信息及/或资料及信息的任何其他使用而指定的任何义务、要求、政策、程序、措施或安排；
(n) 让本行的实际或建议承让人，或就本行对资料当事人享有的权利的参与人或附属参与人评核其拟承让、参与或附属参与的交易；
(o) 进行核对程序(如香港《个人资料（私隐）条例》所定义的) ；及
(p) 与上述有关的任何其它用途。
2. 关于雇员 (如适用)：
用作招聘及人力资源管理用途，包括但不限于处理工作申请、有关雇员的聘任、薪酬、福利、解雇、工作表现评估、纪律、向前雇主进行推荐检查等事宜。
3. 关于其他人士的个人资料可能被用作以下用途：聘用、管理、监察及评估与向本行提供服务的供应商、承包商、服务提供者、业务伙伴及其职员之业务关系；及便利上述各项的日常运作及行政管理。
收集及使用个人资料
关于收集个人资料，本行会向有关人士提供一份关于个人资料收集的声明，述明收集资料的目的、将获转交资料的人士的身份类别、查阅及改正资料的权利，以及其他有关资料。
关于网上收集个人资料，本行会采纳以下实务：
本行是在本行网站浏览者/使用者自愿提供的情况下收集其个人资料。本行会将资料用于本行网站浏览者/使用者被邀请提供个人资料之个别画面及在「个人资料收集声明」所指示之用途上。
本行会把本行网站浏览者/使用者个人资料保密。本行不会将个人资料使用于已在此或在「个人资料收集声明」上述明的用途以外的其他用途上, 除非本行已获得本行网站浏览者/使用者明确的许可, 或在法例容许或要求下。
如 阁下是本行客户并使用本行网上服务，或如 阁下正浏览本网站并于网上申请使用本行服务，本行可能向 阁下收集有关资料。如 阁下不提供该等资料，可能导致本行不能处理 阁下使用该等服务或产品的申请。
本网站（网上银行及手机银行除外）没有使用cookie或类似追踪技术。关于本行网上银行及手机银行如何运用cookie或类似追踪技术，请参阅本行电子渠道隐私政策（只提供中文版本）。
个人资料的披露及/或转移
本行依从严谨之保障私隐程序以处理个人资料。除非有关个人事前同意，或在本行根据「个人资料收集声明」，或(如适用)就有关雇员记录是根据相关通知，或须遵守的任何法例所容许或要求下，否则本行是不会将个人资料披露及/或转移予第三者。
个人资料的保留
本行收集的个人资料的保存时间不超过将其保存以贯彻该资料于被收集时而被使用于或会被使用于的目的所需的时间及不时为符合法定、监管及会计的规定。
个人资料的保安
所有提供予本行之个人资料将受到保障，只准许获授权之员工查阅。
个人资料可能会传输或储存在您所居住国家外的地方。不管个人资料于何处传输，本行会采取一切合理的必要措施以确保个人资料被安全的保存。
如本行聘用(不论是在香港或香港以外聘用) 资料处理者，以代本行处理个人资料，本行将采用合约规范方法或其他方法，以防止转移予该资料处理者作处理的个人资料未获准许或意外地被查阅、处理、删除、遗失或使用。
您应该知悉，网际网路并非安全之通讯方式。透过网际网路发送和接收资讯有其风险，包括未获授权的第三方侵入及干扰的风险。透过网际网路传送之资讯可能是经由对于隐私及资料保护较为薄弱之国家(与您所居住国家相比)进行国际传输(即使发送者和接收者位于同一个国家)。您的个人资料如透过网际网路传输，对其保密性、安全性及完整性，本行并不承担责任或义务。
个人资料的准确性
本行的政策是采取所有切实可行的步骤以确保所有经由本行收集及处理的个人资料在顾及有关的个人资料被使用于或会被使用于的目的下均为准确。
其他条款和条件
在本行银行及产品合约中可能有特定的条款及条件规管您的个人资料搜集、使用及披露。这些条款及条件应与本私隐政策声明一并阅读。
直接促销
如阁下不希望本行使用阁下之个人资料或将阁下之个人资料提供予其他人士作直接促销用途，阁下可通知本行行使阁下之选择权拒绝促销。
个人资料收集声明
请参阅中国民生银行股份有限公司香港分行的「关于收集和处理个人资料致客户及其他个别人士的通知」
私隐政策声明的变更
本声明的内容可不时予以修订，而毋须事先通知。请与本行联络或定期浏览本行的网站，以查询最新的私隐政策声明。
查阅及改正资料
根据适用法律、法规及/或业界准则之规定，您有权要求本行提供您个人资料的复制本，而本行依法可收取提供复制本之费用。
任何关于个人资料查阅或更正、或索取关于个人资料政策及守则或所持有个人资料类别的要求，应向下列人士提出：
资料保护主任
中国民生银行股份有限公司香港分行
香港中环金融街8 号国际金融中心二期40 楼
电话：2281 6800
传真：2899 2617
此中文版本只供参考用，本声明的英文版本与中文版本如有歧异，以英文版本为准。
2025年2月