We protect your privacy. Read bellow to find out how we collect, store, use and share your personal data.
HOW WE COLLECT AND STORE YOUR DATA
We collect your data:
- when you interact with us and use our products and services
- when you visit our websites
- from other people and companies, including our partner companies
We may store your data locally or overseas, including in the cloud. We apply our global data standards and policies wherever your data is stored.
We’re responsible for keeping your data safe in compliance with Hong Kong law.
You can access your data
You can request access to the data we store about you. We may charge a fee for this.
You can also ask us to:
- correct or update your data
- explain our data policies and practices
We may collect
- your geographic data and location data based on your mobile or other electronic device
- data from people who act for you or who you deal with through our services
- data from public sources, fraud prevention agencies, and other aggregators
If you don’t give us data then we may be unable to provide products or services.
We may also generate data about you
- by combining information that we and other partner companies have collected about you
- based on the analysis of your interactions with us
- through the use of cookies and similar technology when you access our website or apps
WHAT WE USE YOUR DATA FOR
We use your data:
- to send you direct marketing if you’ve consented to it
- to improve our products, services and marketing
- to help us comply with laws, regulations and requirements, including our internal policies, in or outside Hong Kong
- to detect, investigate and prevent financial crimes
- for the other purposes set out in section B
You control your marketing preferences
You control what marketing you receive from us and how you receive it.
You can change this at any time by contacting us or updating your preferences on internet banking.
We use your data to:
- provide products and services to you
- provide personalised advertising to you on third party websites (this may involve us aggregating your data with data of others)
- help us to comply with requirements or requests that we have or receive such as legal or regulatory in or outside Hong Kong. Sometimes we may have to comply and other times we may choose to voluntarily comply
- manage our business, including exercising our legal rights
- other uses relating to the above or to which you have consented
If you provide data to us about another person, you should tell that person how we will collect, use and share their data as explained in this notice.
WHO WE SHARE YOUR DATA WITH
We share your data with:
- third parties who help us to provide services to you or who act for us
- third parties who you consent to us sharing your data with
- local or overseas bodies or authorities such as legal, regulatory, law enforcement, government and tax and any partnerships between law enforcement and the financial sector
- any person who you hold a joint service with, people who can give instructions for you and anyone who is giving (or may give) security for your loans
- any third party who we may transfer our business or assets to so it can evaluate our business and use your data after any transfer
- partners and providers of reward, co-branding or loyalty programs, charities or non-profit organisations
- social media advertising partners
- third party service providers engaged by you using our application programming interfaces for the purposes notified to you by us or such third party service providers and/or as consented to by you, in accordance with your instructions to us or third party service providers you engaged
- other third parties
We may share your data locally or overseas. We may share your anonymised data with other parties not listed above. If we do this, you won’t be identifiable from this data.
USE OF BIG DATA & ARTIFICIAL INTELLIGENCE ("BDAI")
Big data technologies and artificial intelligence (“BDAI”) enable companies to process and analyse a depth and breadth of data which has never been possible before. At Harbor Nexus, we are using big data and AI to, for example:
- Bring benefits to our customers, for example, by improving customer service
- Manage risks for ourselves and our customers
- Better identify and offer relevant products and services to customers
- Improve operational efficiencies
