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
私隱政策聲明
請按此下載私隱政策聲明
本私隱政策聲明是闡述中國民生銀行股份有限公司香港分行（於中華人民共和國注冊成立的股份有限公司）（「本行」）對於致力保障個人資料私隱的政策及實務。
本行尊重個人資料私隱及深明保護個人資料之重要性。於收集、紀錄維護及使用本行持有的個人資料時恪守香港《個人資料(私隱)條例》及相關法律法規是本行之政策。為履行此承諾，本行會確保屬下職員依從保安及保密方面最嚴格的規定。
所持個人資料的類別
本行持有的個人資料主要分為三大類。他們分別由以下各項所含個人資料組成：
1. 關於資料當事人^記錄，資料當事人需不時向本行提供有關資料：
(a) 在開立或延續賬戶、建立或延續銀行授信或提供金融、保險、銀行卡、證券、商品、投資、銀行及相關服務和產品及授信；
(b) 在資料當事人與本行延續正常業務往來期間，例如，當資料當事人簽發支票、存款或透過本公司發出的或提供的銀行卡進行交易或在一般情況下以口頭或書面形式與本公司溝通時。
2. 關於雇員*記錄，包括但不限於本行雇員的姓名、地址、電郵地址、聯絡電話號碼、教育背景、履歷、體檢記錄及家屬的相關個人資料等。
3. 其他人士的記錄，包括但不限於本行網頁的瀏覽人士或使用者、服務提供商、商業伙伴等。
^「資料當事人」一詞，不論於本聲明何處提及，包括以下為個人的類別：
a. 本行提供的金融、保險、信用卡、證券、商品、投資、銀行及相關服務和產品及授信的申請人或客戶/用戶及其被授權人；
b. 基於對本行負有的責任而出任擔保人、保證人及提供抵押、擔保或任何形式的支持的人士；及
c. 任何公司申請人及資料當事人/用戶的董事、股東、高級職員、經理及實際受益人以及不時獲任何公司申請人及資料當事人/用戶正式授權的任何公司申請人及資料當事人/用戶的任何其他獲授權人士。
*「雇員」一詞，不論在本聲明何處提及，包括本行的雇員（包括前雇員）及/或申請本行任何職位的申請人。
保存個人資料的主要目的
1. 關於資料當事人：
(a) 處理資料當事人或相關公司就服務和信貸融通提出的申請，及為前述人士或公司提供服務和信貸融通所涉及的日常運作；
(b) 提供銀行證明書；
(c) 於資料當事人申請信貸時及於每年(通常一次或多於一次)的定期或特別信貸復核時，進行信用檢查；
(d) 設立及維持本行的信貸評分模式及風險評分系統；
(e) 保存資料當事人的信貸紀錄（不論資料當事人與本行是否存在任何關系），以作現在或將來參考之用；
(f) 協助其他在香港獲準加入多家個人信貸資料服務機構模式的信貸提供者、信用卡發行公司及催收欠款公司進行信用檢查及追討欠債；
(g) 確保資料當事人持續維持可靠信用；
(h) 進行客戶意見調查及/或設計供資料當事人使用的金融服務或有關產品；
(i) 推廣服務、產品及其他標的（詳情請參閱本行「關於收集和處理個人資料致客戶及其他個別人士的通知」(「個人資料收集聲明」)的第11段）；
(j) 確定本行對資料當事人或資料當事人對本行的結欠債務金額；
(k) 強製執行資料當事人的責任、向資料當事人及為資料當事人債務提供抵押的人士追討欠款；
(l) 履行根據下列適用於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資料的義務、規定或安排：
(1) 不論於香港境內或境外及不論目前或將來存在的對其具法律約束力或適用的任何法律；
(2) 不論於香港境內或境外及不論目前或將來存在的任何法律、監管、政府、稅務、執法或其他機關，或金融服務供應商的自律監管或行業組織或協會作出或發出的任何指引或指導(例如，稅務局作出或發出的指引或指南，包括關於自動交換財務帳戶資料的指引或指南)；及
(3) 本行或其任何分行因其位於或跟相關本地或外地的法律、監管、政府、稅務、執法或其他機關，或自律監管或行業組織或協會的司法管轄區有關的金融、商業、業務或其他利益或活動，而向該等本地或外地的法律、監管、政府、稅務、執法或其他機關，或金融服務供應商的自律監管或行業組織或協會承擔或被彼等施加的任何目前或將來的合約或其他承諾；
(m) 遵守本行為符合製裁或預防或偵測清洗黑錢、恐怖分子融資活動或其他非法活動的任何方案就於本行內共享資料及信息及/或資料及信息的任何其他使用而指定的任何義務、要求、政策、程序、措施或安排；
(n) 讓本行的實際或建議承讓人，或就本行對資料當事人享有的權利的參與人或附屬參與人評核其擬承讓、參與或附屬參與的交易；
(o) 進行核對程序(如香港《個人資料（私隱）條例》所定義的) ；及
(p) 與上述有關的任何其它用途。
2. 關於雇員 (如適用)：
用作招聘及人力資源管理用途，包括但不限於處理工作申請、有關雇員的聘任、薪酬、福利、解雇、工作表現評估、紀律、向前雇主進行推薦檢查等事宜。
3. 關於其他人士的個人資料可能被用作以下用途：聘用、管理、監察及評估與向本行提供服務的供應商、承包商、服務提供者、業務伙伴及其職員之業務關系；及便利上述各項的日常運作及行政管理。
收集及使用個人資料
關於收集個人資料，本行會向有關人士提供一份關於個人資料收集的聲明，述明收集資料的目的、將獲轉交資料的人士的身份類別、查閱及改正資料的權利，以及其他有關資料。
關於網上收集個人資料，本行會采納以下實務：
本行是在本行網站瀏覽者/使用者自願提供的情況下收集其個人資料。本行會將資料用於本行網站瀏覽者/使用者被邀請提供個人資料之個別畫面及在「個人資料收集聲明」所指示之用途上。
本行會把本行網站瀏覽者/使用者個人資料保密。本行不會將個人資料使用於已在此或在「個人資料收集聲明」上述明的用途以外的其他用途上, 除非本行已獲得本行網站瀏覽者/使用者明確的許可, 或在法例容許或要求下。
如 閣下是本行客戶並使用本行網上服務，或如 閣下正瀏覽本網站並於網上申請使用本行服務，本行可能向 閣下收集有關資料。如 閣下不提供該等資料，可能導致本行不能處理 閣下使用該等服務或產品的申請。
本網站（網上銀行及手機銀行除外）沒有使用cookie或類似追蹤技術。關於本行網上銀行及手機銀行如何運用cookie或類似追蹤技術，請參閱本行電子渠道隱私政策（只提供中文版本）。
個人資料的披露及/或轉移
本行依從嚴謹之保障私隱程序以處理個人資料。除非有關個人事前同意，或在本行根據「個人資料收集聲明」，或(如適用)就有關雇員記錄是根據相關通知，或須遵守的任何法例所容許或要求下，否則本行是不會將個人資料披露及/或轉移予第三者。
個人資料的保留
本行收集的個人資料的保存時間不超過將其保存以貫徹該資料於被收集時而被使用於或會被使用於的目的所需的時間及不時為符合法定、監管及會計的規定。
個人資料的保安
所有提供予本行之個人資料將受到保障，只準許獲授權之員工查閱。
個人資料可能會傳輸或儲存在您所居住國家外的地方。不管個人資料於何處傳輸，本行會采取一切合理的必要措施以確保個人資料被安全的保存。
如本行聘用(不論是在香港或香港以外聘用) 資料處理者，以代本行處理個人資料，本行將采用合約規范方法或其他方法，以防止轉移予該資料處理者作處理的個人資料未獲準許或意外地被查閱、處理、刪除、遺失或使用。
您應該知悉，網際網路並非安全之通訊方式。透過網際網路發送和接收資訊有其風險，包括未獲授權的第三方侵入及幹擾的風險。透過網際網路傳送之資訊可能是經由對於隱私及資料保護較為薄弱之國家(與您所居住國家相比)進行國際傳輸(即使發送者和接收者位於同一個國家)。您的個人資料如透過網際網路傳輸，對其保密性、安全性及完整性，本行並不承擔責任或義務。
個人資料的準確性
本行的政策是采取所有切實可行的步驟以確保所有經由本行收集及處理的個人資料在顧及有關的個人資料被使用於或會被使用於的目的下均為準確。
其他條款和條件
在本行銀行及產品合約中可能有特定的條款及條件規管您的個人資料搜集、使用及披露。這些條款及條件應與本私隱政策聲明一並閱讀。
直接促銷
如閣下不希望本行使用閣下之個人資料或將閣下之個人資料提供予其他人士作直接促銷用途，閣下可通知本行行使閣下之選擇權拒絕促銷。
個人資料收集聲明
請參閱中國民生銀行股份有限公司香港分行的「關於收集和處理個人資料致客戶及其他個別人士的通知」
私隱政策聲明的變更
本聲明的內容可不時予以修訂，而毋須事先通知。請與本行聯絡或定期瀏覽本行的網站，以查詢最新的私隱政策聲明。
查閱及改正資料
根據適用法律、法規及/或業界準則之規定，您有權要求本行提供您個人資料的復製本，而本行依法可收取提供復製本之費用。
任何關於個人資料查閱或更正、或索取關於個人資料政策及守則或所持有個人資料類別的要求，應向下列人士提出：
資料保護主任
中國民生銀行股份有限公司香港分行
香港中環金融街8 號國際金融中心二期40 樓
電話：2281 6800
傳真：2899 2617
此中文版本只供參考用，本聲明的英文版本與中文版本如有歧異，以英文版本為準。
2025年2月