Access to and correction of data

A Relevant Person is entitled:

(a) to ask whether Guoco holds data on them and to request access to and the correction of any incorrect data held;

(b) to ascertain Guoco's policies and practices in relation to data and to be informed of the kind of personal data held by Guoco; and

(I) to request to be informed which items of data are routinely disclosed to credit reference agencies or debt collection agencies;

(II) to be provided with further information to enable an access and correction request to be made to the relevant credit reference agency or debt collection agency; and

(III) to ask Guoco to request the relevant credit reference agencies to delete his consumer credit data once the credit has been fully repaid, if there is no payment default in excess of 60 days in the past 5 years. If the Relevant Person has any such payment default, it is liable to have its consumer credit data retained by the relevant credit reference agencies until 5 years from the final settlement date of the default amount.

A reasonable fee will be charged for processing each data access request.

Requests for access to or correction of data or for information regarding policies and practices and kinds of data held by Guoco, should be addressed to The Data Protection Officer, Guoco Group Limited, 50th Floor, The Center, 99 Queen’s Road Central, Hong Kong.

To help us to provide a better service to you, please ensure that your contact details including your home and office addresses, your telephone numbers (including your mobile telephone number), e-mail address and other details registered with us are up to date.

If you do not want to receive any direct marketing or follow up regarding products and special promotions from Guoco, please notify us in writing. No fee will be charged.

The provisions of this policy may form part of the account terms and conditions and/or the agreement or arrangements that you have or may enter into with Guoco. If any inconsistency is found, the provision of this policy shall prevail. Nothing herein shall limit the rights of Relevant Persons under the Personal Data (Privacy) Ordinance.

This policy is subject to change from time to time and any changes will be posted on Guoco’s website at www.guoco.com.

In this policy, “subsidiary” and “holding company” shall bear the same meanings given to them under the Companies Ordinance of Hong Kong and “associated company” shall in relation to a company mean any company in the equity capital of which not less than twenty percent but not more than fifty percent of its shareholdings is held by the foregoing company.

In case of discrepancies between the English and Chinese versions, the English version shall prevail.

February 2016