Website Declaration, Personal Information Collection Statement & Privacy Policy

By accessing this website and any of its pages, you are agreeing to the terms set out below.

Website Declaration

This website is intended for people who access it from within Hong Kong. Products and services referred to in this website are offered only in jurisdictions where and when they may be lawfully offered by PrimeCredit Limited ("PrimeCredit") and its affiliated companies (the "Group"). The materials on these pages are not intended for use by persons located in or resident in jurisdictions which prohibit or restrict the distribution of this material by the Group. Persons accessing these pages are required to inform themselves about and observe any relevant prohibitions and restrictions.

Any information, products or services supplied in this website may be withdrawn or amended at any time without advance notice at the discretion of the Group. The eligibility of customers for particular information, products or services is subject to the final and absolute discretion of the Group.

It is your sole responsibility to prevent, safeguard and ensure that no computer virus enters your system and this website.

The Group cannot guarantee the security of the messages sent over the internet and will not be responsible for any damages incurred by users as a result of any delay, loss, diversion, alteration or corruption of any message either sent to or received from the Group at the users’ request, over the internet.

The information contained in this website is intended to provide general information and is for reference only. The Group has used its best endeavours to ensure the information is accurate, complete and up-to-date. The Group makes no representation, either express or implied, as to the accuracy and completeness of the information and expressly disclaims any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of such information.

To provide you with a better online experience, your visits to this website may be recorded to compile statistical reports and diagnose problems of this website to improve its stability. Certain information may be collected through the use of “cookies”, which are small pieces of information that are automatically stored on your web browser of your computer, and be retrieved by this website. The use of cookies, tags, web logs and other remote scanning technologies in this website (“Cookies”) may be used to understand your preferences on particular websites, provide you with personalized content and information, monitor the effectiveness of the website, including the collection of aggregate metrics such as total number of visitors, traffic, and demographic patterns, and diagnosis of or repair of any problems related to the website. Cookies may also be used for security enhancement, fraud prevention and other possible restriction of access, such as improving user experience or restricting connection to this website for security concerns. Where permitted by your browser or device settings, PrimeCredit may use Cookies to select of which PrimeCredit’s advertisements or offers are most likely to appeal to you and display them when you access this website.

The information collected by Cookies is aggregated research data, which contains anonymous personalized setting information such as language preference, behaviours and usage patterns. No personal data (such as your name, address or other information that may enable someone to identify and contact you) will be stored in Cookies. You may disable cookies on your web browser settings if you do not wish to be tracked by Cookies. However, you understand that by doing so, some features of this website may not function properly.

If you accept Cookies, you confirm and agree that PrimeCredit may collect, transmit, store and use technical information, location and other information, including but not limited to IP address and/or device identification code, system and application software and information regarding your location for the aforesaid purposes.

PrimeCredit may also use Cookies, tags and web logs to track your responses to its online advertisements and to evaluate its marketing campaign performance.

PrimeCredit may also work with third parties which use certain applications such as Google, DoubleClick and Meta, etc. to conduct researches on certain usage and activities on parts of the website on PrimeCredit’s behalf. Google, DoubleClick and Meta use Cookies and tags to conduct such researches. The information collected through technologies such as tracking tags and Cookies, etc., may use to find out more about PrimeCredit’s users in order to help PrimeCredit understand its customers, including the number of visitors, visitors’ behaviour and usage patterns to enable accurate reporting, and thereby improving PrimeCredit’s marketing performance. The collected data is aggregated; and no personally identifiable information about you is collected or shared by Google, DoubleClick or Meta as a result of such research. In addition, no customer personal data will be stored through these technologies.

To find out more about the information-collecting practices and opt-out procedures of Google, DoubleClick and Facebook, please visit http://www.google.com/intl/en/policies/privacy , https://support.google.com/admanager/answer/2839090 , https://www.facebook.com/about/privacy/ and https://www.facebook.com/policies/cookies .

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



Notice to Customers relating to the Personal Data (Privacy) Ordinance (the “PDPO”) (“Notice”)

PrimeCredit Limited, its holding companies, subsidiaries and other subsidiaries of its holding companies (together the “Group”) (and each being the “Company”, “we”, “us”, “member of the Company”, “Group Members” or “member of the Group”, where as appropriate) recognize their responsibilities in relation to the collection, holding, processing, use and/or transfer of personal data under the PDPO. Personal data will be collected only for lawful and relevant purposes and all practicable steps will be taken to ensure that personal data held by the Group is secure and accurate. We will take all practicable steps to ensure the security of the personal data and to avoid any unauthorized or accidental access, erasure or other uses.

Customers and individuals who provide their personal data to the Company should read this Notice in conjunction with the Online Security Tips, Website Declaration, Mobile App Conditions of Use, and any other policy and/or notice related to the collection and use of personal data by the Group, issued from time to time. Customers and such individuals should ensure that they understand how their personal data will be collected and used as well as their rights with regards to such data.

I. Purpose and Use of Personal Data Collection

You need not supply any personal data in order to access this website or mobile application. When you participant in our activities, access, sign up or subscribe to any of our services or online content, personal data is collected from you to enable the Company to provide you with the services. You may decline to provide us with the requested personal data, but in such case, we may not be able to provide the services to you. By submitting your personal data, it shall be deemed to your consent to the use of that personal data by the Company as set out in this Notice.

Personal Data collected from you may be used by the Company for the following purposes, without limitation:

  1. Processing membership applications, termination and renewal applications;
  2. Providing you with relevant services, promotions, offers or rewards points (if applicable);
  3. Processing registration or verification of your account;
  4. Handling your order(s), payment instructions or other requests related to the services;
  5. Analyzing, verifying and/or checking payment details and/or the payment status in relation to the services;
  6. Designing services in accordance to customers’ needs;
  7. Offering customer services;
  8. Conducting marketing research, statistics analysis and behaviour analysis, to enable us to better understand your characteristics and buying behaviour and to provide other services better tailored to your needs;
  9. Understanding users’ demographic statistic of the company;
  10. Conducting statistical analysis and behavioral analysis of the customers and to understand their shopping preferences;
  11. Making suggestions and recommendations to you and other users of our services or goods and services that may interest you or them;
  12. Conducting audits (in order to comply with relevant internal and external audit requirements and standards);
  13. Making such disclosures as required by applicable laws, rules and regulations;
  14. Direct-marketing of the products and services of the Company, the Group or other business partners (please see further details as set out in clause IV below); and
  15. Complying with the obligations, requirements or arrangements that apply to the Group Members (on both voluntary and mandatory basis) or that it is expected to comply, in connection with:

(1) any law, regulation, judgment, court order, voluntary code, sanctions regime binding on or applying to it within or outside the Hong Kong Special Administrative Region (“Hong Kong”), existing currently or in the future;

(2) any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement bodies or other authorities, or self-regulatory or industry bodies or associations (the “authorities”) within or outside the Hong Kong existing currently and in the future;

(3) Any present or future contractual or other commitment or any other authorities with jurisdiction over all or any part of the Group that is assumed by or imposed on or applicable to any member of the Company; or

(4) Complying with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information within the Group and/or any other use of data and information in accordance with any programs for compliance with sanctions or prevention or detection of money laundering, terrorist financing or other unlawful activities.

II. Types of Personal Data Collected


Personal Data collected by the Company may include, without limitation:

1.     Your personal information and contact details, such as your name, gender, date of birth, mobile number, social media accounts, email address, address, mailing and/or delivery address;

2.     Your business information, such as company name and business title;

3.     Your account information, such as the first 6 digits and/or the last 4 digits of your credit card number, or your user accounts, user name, password and security questions for authentication;

4.     Your payment transaction details with the Company;

5.     Technical and customer support, where we may ask you to provide your contact information and information related to the issue that you contact the Company. We may also record the calls and conversations between you and the Company;

6.     Your personal hobbies and leisure activities; and

7.     Your IP address, real-time geographic location data, browser settings, browsing history or other Internet log information of your computer or mobile devices.


We may access, use and/or process your biometric data including but not limited to fingerprints and facial images stored on your mobile devices or other device for the purpose of conducting identity verification (if applicable). However, we will not collect nor store such data.


III. Disclosure of Personal Data

All personal data collected and held by the Company will be kept confidential but in accordance with the conditions, we may, for the purpose(s) and usage set out in paragraph I above, provide, transfer or disclose such personal data to any one or more of the following parties (whether within or outside of Hong Kong):

1.   Any Group member or its affiliates;

2.   Any agent, distributor, contractor, supplier, business partner or third party service provider who provides administrative, professional, consultation, telecommunications, computer, payment, data processing or other services to us;

3.   Any authority with jurisdiction over all or any part of the Group;

4.   Any actual or proposed assignee of the Company or participant or sub-participant or transferee of the Company's rights in respect of the Data Subject;

5.   Subject to the conditions set out in paragraph IV, and for the purpose(s) and usage set out in clause 14 under paragraph I:

(1)    any member of the Group;

(2)    third party financial institutions, insurers, credit card companies and related services providers;

(3)    third party reward, loyalty, co-branding and privileges programme providers;

(4)    co-branding partners of the Company; and

(5)    charitable or non-profit making organizations.


IV. Direct Marketing


1.     Your personal data may be used for direct marketing purposes, and the Company requires your consent for this purpose (including no objection).

2.     Your Name, contact details, purchase and spending history, transaction patterns and payment behaviour may be used in direct marketing.

3.     The following classes of services, products and subjects may be marketed:

(1)   financial, insurance, credit card, health welfare and related services and products;

(2)   reward, loyalty or promotion programs and related services and products; and

(3)   donations and contributions for charitable and/or non-profit making purposes.

4.     The above services, products and subjects may be provided or solicited by us and/or the party(ies) described in clause 5 under paragraph III.

5.     In addition to marketing the above services, products and subjects itself, we also intend to provide the data described in clause 2 under paragraph IV above to all or any of the persons described in clause 5 under paragraph III above for use by them in marketing those services, products and subjects, and we require your written consent (which includes an indication of no objection) for that purpose.

6.     We may receive money or other property in return for providing your personal data to the other persons described in clause 5 under paragraph III above. When requesting your consent or no objection as described in clause 7 under paragraph IV above, we will inform you if we will receive any money or other property in return for providing such data to the other persons.

7.     If you do not wish us to use or provide to other persons your personal data for use in direct marketing as described above, you may exercise your opt-out right by notifying us.


V. Data Access Requests and Data Correction Requests

1.     Under and in accordance with the PDPO, you have the right to:

(1)   check whether we hold data relating to you and/or access to such personal data;

(2)   require us to correct any data relating to you which is inaccurate; and

(3)   ascertain our policies and procedures in relation to data and to be informed of the kind of personal data held by us.


2.     You should send requests for access to data or correction of data or for information regarding policies and practices and kinds of data held to:

The Data Protection Officer

PrimeCredit Limited

P.O. Box 23207, Wanchai Post Office, Hong Kong

Telephone: 2163 0201

Fax: 2134 3377

3.     There are certain exemptions under the PDPO which may apply to personal data access and correction requests. We may require that you the person requesting access or correction provide suitable identification and we may charge a reasonable administration fee for complying with a data access request.

4.     Nothing in this Notice shall limit your rights as a data subject under the PDPO.




By accessing this website and/or application and any of its pages, you agree and consent to the terms set out above.

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



Privacy Policy Statement

Statement of Policy


PrimeCredit Limited (“PrimeCredit”) respects personal data privacy and is committed to fully implementing and complying with the data protection principles and all relevant provisions under the Personal Data (Privacy) Ordinance (the “PDPO”).

When PrimeCredit collects personal data from individuals, PrimeCredit will provide them with the Notice to Customers relating to the Personal Data (Privacy) Ordinance (“Notice”) on or before the collection.


Statement of Practice

1.     Types of Personal Data Held

Your personal data held by PrimeCredit include but not limited to identification information, contact details, account information etc. Such personal data is necessary for you to supply to PrimeCredit from time to time in connection with the opening or continuation of accounts, provision of services, and handling of enquiry or complaint.

2.     Main Purposes of Keeping Personal Data

Your personal data may be used for any one or more of the purposes listed in paragraph I of the Notice.

3.     Use of Cookies

PrimeCredit may record your visit to this website through the use of “cookies”. Please refer to the “Website Declaration” for details.

4.     Retention of Personal Data

4.1 PrimeCredit maintains and executes retention guideline of records containing personal data to ensure personal data is not kept longer than is necessary for the fulfillment of the purpose for which the data is to be used. Different retention periods apply to the various kinds of personal data collected and held by PrimeCredit in accordance with policies in the retention guideline.

4.2 If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. If your mobile number is used for account login, you shall ensure that a timely update is made to PrimeCredit by sending an email to [email protected] when your mobile number is to be changed or returned to your mobile operator. This is important to ensure that your account information will not be accessed by a third party who may have acquired the right to use your discarded mobile number. You are solely responsible for securing your account in this particular way. We shall have no liability to you for any loss or damage in this regard.


5.     Protection Measures

PrimeCredit takes all practicable steps to protect all personal data, including sensitive personal data, PrimeCredit holds against loss, unauthorized access, use, modification, disclosure, processing or erasure. PrimeCredit provides training to its employees to ensure that its employees handle personal data properly.

6.       Disclosure

PrimeCredit may provide, transfer or disclose personal data to any one or more of the parties for the purpose(s) listed in paragraph III of the Notice.

7.     Outsourcing Arrangements

The service providers of PrimeCredit are bound by contractual duty to keep confidential any data they come into contact with, if any, against unauthorized or accidental access, processing, erasure, loss, use and retention.

8.     Data Access Requests and Data Correction Requests

8.1    Under and in accordance with the PDPO, you have the right to:

(1)   check whether PrimeCredit holds data relating to you and/or access to such personal data;

(2)   request PrimeCredit to correct any data relating to you which is inaccurate; and

(3)   ascertain PrimeCredit’s policies and procedures in relation to data and to be informed of the kind of personal data held by us.

8.2 You should send requests for access to data or correction of data or for information regarding policies and practices and kinds of data held to:

The Data Protection Officer

PrimeCredit Limited

P.O. Box 23207, Wanchai Post Office, Hong Kong

Telephone: 2163 0201

Fax: 2134 3377

8.3  There are certain exemptions under the PDPO which may apply to personal data access and correction requests. PrimeCredit may require that you, the person requesting access or correction, provide suitable identification and PrimeCredit may charge a reasonable administration fee for complying with a data access request.

8.4  Any enquiries regarding personal data privacy policy and practice may be addressed to the Data Protection Officer by the aforesaid contact methods.


9.     Links to other websites

This Privacy Policy Statement only applies to the PrimeCredit’s website/mobile application. Such website/mobile application may contain links to other sites and pages. By activating any link, such as by clicking on the banner of an advertiser, you leave our website and the Company does not exercise control over any personal data or any other information you give to any other entity after you have left our website. Access to and use of such other websites is at your own risk. You shall read and refer to the terms in relation to privacy, privacy policy and statement on such sites and pages.


10.    Children’s Information

We are committed to respecting children's privacy. We will not collect personal information from anyone we have actual knowledge is under the age of 18 if you are a Hong Kong resident.

11.    Sensitive personal data

Certain personal data such as biometric data and the information in relation to your financial status or location can be particularly sensitive. You should be aware that in providing our products and services, we may use, handle or transfer such information, and that you do not have the choice to have such personal data held by us erased prior to it having severed purposes (including any directly related purpose) for which data was collected nor to express your choice not to have such data shared or transferred. Such personal data shall be held, processed, transferred and erased by us in accordance with the Notice and other parts of this Privacy Policy Statement.


12.  Amendment of Privacy Policy Statement

We may amend the terms of this Privacy Policy Statement from time to time. The amendments form part of this Privacy Policy Statement. You may access and obtain a copy of this Privacy Policy Statement, as amended from time to time at our website so that you are always informed of the ways we collect and use personal data. By continuing to use our website, you agree to be bound by this Privacy Policy Statement as amended from time to time.

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

June 2023



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