私隱政策

最後更新日期：2026 年 3 月 15 日

📄 中文版

1. 引言

此聲明乃採納 HKPDCA 香港專業清數協會（下稱「本公司」）的「私隱政策聲明」（下稱「本聲明」）。訂立本聲明的目的，是為確立本公司全力執行及遵守保障資料原則的政策及實務，以遵守個人資料（私隱）條例（下稱「該條例」）的各項條款及條文，及施行由香港持牌放債人公會就該條例而頒布的指引。本公司會依從本聲明訂立的原則及最低標準。

2. 本公司持有的個人資料的種類

2.1 本公司持有的客戶個人資料可能包括下列各項：

(a) 客戶及其配偶的姓名和地址、職業、聯絡詳情、出生日期和國籍、其身份證及／或護照號碼及證件發出日期和地點；
(b) 客戶諮詢人的姓名和聯絡詳情；
(c) 客戶及其配偶現時的僱主、職位性質、年薪及其他福利；
(d) 客戶及其配偶持有的物業、資產或投資的詳情；
(e) 客戶及其配偶所有的其他資產或負債（實有或或然）的詳情；
(f) 本公司在延續與客戶正常業務關係中獲得的資料（例如，當客戶在一般情況下以口頭或書面形式與本公司溝通時，本公司亦會收集客戶的資料，當中可能以文書形式或電話錄音或網上系統收集）；
(g) 就要求追收任何客戶拖欠本公司款項而由諮詢人、信貸資料服務機構或收數公司提供的信用狀況資料；及
(h) 可透過公開渠道取得的資料。

2.2 本公司或會持有鑑於經驗及其業務特別性質所需的其他種類的個人資料。

3. 使用個人資料的目的

3.1 客戶在開立或延續信貸戶口、建立或延續信貸或分期貸款或提供其他財務服務時，需要不時向本公司提供有關的資料。

3.2 客戶與本公司在延續正常業務運作中，本公司亦會收集客戶的資料。

4. 個人資料的披露

本公司會對持有的個人資料保密，但可能會將該等資料提供予下列各方（無論在香港境內或境外）：

(a) 任何向本公司提供行政、電訊、電腦、付款、追收欠款、信貸參考、專業或其他服務的代理人、承辦商或第三方服務提供者；
(b) 任何對本公司負有保密責任的人士，包括承諾保密該等資料的關聯公司；
(c) 根據對本公司具法律約束力的規定，或為了符合監管或其他主管機構所頒布並期望本公司遵守的任何指引，本公司須向其作出披露的任何人士；
(d) 本公司的任何實際或建議承讓人或受讓人。

5. 個人資料的保留

本公司將只會為履行收集資料的目的而保留個人資料。在該等目的達成後，本公司會銷毀或刪除該等個人資料，除非該等資料的保留是根據任何適用法律或合約規定所要求。

6. 資料保安

本公司致力確保個人資料受到保障，免受未經授權或意外的查閱、處理、刪除、遺失或使用。本公司會採取適當的實質、電子及管理措施，以保障個人資料的安全。

7. 查閱及更正個人資料

根據該條例，任何個人有權：

(a) 查詢本公司是否持有其個人資料，並查閱該等資料；
(b) 要求本公司更正任何不準確的個人資料；
(c) 查詢本公司有關個人資料的政策及實務，並獲告知本公司所持有的個人資料類別。

如欲查閱或更正個人資料，或查詢本公司的個人資料政策，請以書面形式向本公司提出：

HKPDCA 香港專業清數協會
電郵：cjinggeng@gmail.com
地址：尖沙咀加連威老道92號幸福中心4樓408室

8. 修訂

本公司有權隨時修訂本私隱政策。如我們修訂本政策，我們會將最新版本上載於本網站，建議您定期查閱，以了解最新修訂內容。

📄 English Version

1. INTRODUCTION

This policy is adopted as the Privacy Policy (“Policy”) of HKPDCA Hong Kong Professional Debt Consolidation Association (the “Company”). The purpose of this Policy is to establish the policies and practices of the Company’s commitment to protect the privacy of personal data and to act in compliance with the provisions of the Personal Data (Privacy) Ordinance (the “Ordinance”) and implementation of the guidelines thereon issued by the Licensed Money Lenders Association. The Company will adhere to the governing principles and minimum standards set forth in this Statement.

2. KINDS OF PERSONAL DATA HELD BY THE COMPANY

2.1 Personal data held by the Company regarding customers may include the following:

(a) name and address, occupation, contact details, date of birth and nationality of customers and spouses of customers and their identity card and/or passport numbers and place and date of issue thereof;
(b) name and contact details of referees of customers;
(c) current employer, nature of position, salary and other benefits of customers and spouses of customers;
(d) details of properties, assets or investments held by customers and their spouses;
(e) details of all other assets or liabilities (actual or contingent) of customers and their spouses;
(f) information obtained by the Company in the ordinary course of the continuation of the business relationship (for example, when customers generally communicate verbally or in writing with the Company, by means of documentation or telephone recording system or on-line facility, as the case may be);
(g) information as to credit standing provided by a referee, credit reference agency or debt collection agency in connection with a request to collect a debt due from any customer to the Company; and
(h) information which is in the public domain.

2.2 The Company may hold other kinds of personal data which it needs in the light of experience and the specific nature of its business.

3. PURPOSES OF THE PERSONAL DATA HELD

3.1 It is necessary for customers to supply the Company with data in connection with the opening or continuation of loan accounts and the establishment or continuation of credit facilities or credit instalment or provision of other financial services.

3.2 It is also the case that data are collected from customers in the ordinary course of the continuation of credit facilities or credit instalment or other financial relationship.

4. DISCLOSURE OF PERSONAL DATA

The Company will keep the personal data held by it confidential, but may provide the same to the following parties (whether within or outside Hong Kong):

(a) any agent, contractor or third party service provider who provides administrative, telecommunications, computer, payment, debt collection, credit reference, professional or other services to the Company;
(b) any person who is under a duty of confidentiality to the Company, including any affiliated company which has undertaken to keep such information confidential;
(c) any person to whom the Company is required to make disclosure under any legally binding obligation, or for the purposes of any guidelines issued by regulatory or other authorities which the Company is expected to comply; and
(d) any actual or proposed assignee or transferee of the Company.

5. RETENTION OF PERSONAL DATA

The Company will retain personal data only for so long as is necessary for the fulfilment of the purposes for which it was collected. After such purposes are fulfilled, the Company will destroy or delete the personal data, unless its retention is required under any applicable law or contractual obligations.

6. DATA SECURITY

The Company is committed to ensuring that personal data is protected against unauthorized or accidental access, processing, erasure, loss or use. The Company will take appropriate physical, electronic and managerial measures to safeguard the security of personal data.

7. ACCESS AND CORRECTION OF PERSONAL DATA

Under the Ordinance, any individual has the right to:

(a) check whether the Company holds personal data relating to him and to have access to such data;
(b) require the Company to correct any inaccurate personal data; and
(c) ascertain 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.

Requests for access to or correction of personal data, or for information regarding the Company’s personal data policies, should be made in writing to:

HKPDCA Hong Kong Professional Debt Consolidation Association
Email: cjinggeng@gmail.com
Address: Room 408, 4/F, Happy Centre, 92 Granville Road, Tsim Sha Tsui

8. AMENDMENTS

The Company reserves the right to amend this Privacy Policy from time to time. If we revise this Policy, we will post the latest version on this website and you are advised to review it periodically to stay informed of any updates.