Tiptop Credit Website - "Personal Data (Privacy) Ordinance"

Legal Disclaimer
Tiptop Credit Limited (hereinafter referred to as "the Company" or "Tiptop Credit") respects the privacy of each and every customer using the Tiptop Credit website and mobile application (hereinafter referred to as "this website" and "this application" respectively). We adhere to the six basic principles of the Personal Data (Privacy) Ordinance (Chapter 486) ("the Privacy Ordinance") and collect, store, process, use, and transfer this data in compliance with legal requirements. We ensure that the collection, transmission, storage, and use of personal data will be handled in accordance with the provisions of the Personal Data (Privacy) Ordinance (Chapter 486) of the Hong Kong Special Administrative Region.

Categories of Personal Data Collected
The personal data collected by Tiptop Credit may include: If you use the Tiptop Credit website and/or mobile application, we may collect and store the following information directly provided by you or collected when you use Tiptop Credit services:
1. Your personal information and contact details, such as name, gender, date of birth, identification number, phone number, social media links, email address, mailing address, and/or billing address;
2. Information used within the application, such as menu selections and settings, and features used;
3. Information related to your computer or mobile device, such as IP address, real-time location data, browser settings, browsing history, and/or other internet records.

Purposes of Personal Data Collection
The Company will use the collected personal data for the following purposes, in accordance with the guidelines of the Personal Data (Privacy) Ordinance - Code of Practice on Personal Data Protection for the purpose of direct marketing: i. Direct marketing of the Company's products or services; ii. Communicating with customers regarding promotional offers, events, and updates related to the Company's products or services; v. Conducting market research and analysis to improve the Company's products or services; vi. Fulfilling any legal or regulatory requirements imposed on the Company; x. Any other purposes directly related to the above. Please note that the personal data collected will be used in accordance with the Personal Data (Privacy) Ordinance and its related regulations.

Disclosure of Collected Personal
Data Any data you transmit or enter on this website and/or this application is considered non-confidential and voluntarily provided to the Company. This data may be shared with any affiliated companies for purposes such as service development, promotion, and fulfilling customer needs, among others. For more information, please refer to Clause 5 of the Code of Practice on Personal Data Protection for details regarding the Personal Data (Privacy) Ordinance.

Security of Personal Data
1. The Company makes all reasonable efforts to ensure the security and confidentiality of your personal data. However, please understand that the Company cannot guarantee the security of transmitted data.
2. The servers of the Company's website are protected by firewalls, and the Company regularly monitors its systems to prevent unauthorized access.
3. The Company does not send personal data through regular email. Please use the secure email facilities provided on the Company's website when contacting the Company.
4. The Company reminds you not to share your username, password, and/or biometric data with others, and to ensure that such data is not shared or used by unauthorized individuals. The Company strives to maintain a high standard of security to protect your personal privacy.
5. Tiptop Credit Limited will only retain personal data for the purpose of providing products and services to customers or for purposes related to them.

Transfer of Personal Data to Locations Outside Hong Kong
If there is a need for operational purposes, the Company may transfer personal data to locations outside the Hong Kong Special Administrative Region. Any such data transfer will be carried out in accordance with the provisions and obligations of the applicable regulations.

Promotion and Advertising
1. Tiptop Credit intends to use the personal data collected from you for direct marketing purposes and for this, we require your consent. The Company holds your name, contact details such as phone number and address, social media links, service portfolio information, browsing history, and personal interests. We may use this information for direct marketing of Tiptop Credit services, rewards, offers, as well as products and services co-operated with our business partners.

2. The Company may contact you through mail, telephone, social media links, SMS, text/image/video messages, fax, or email. If you do not wish to receive any direct marketing communications from the Company, you may request to unsubscribe at any time via email. Upon receiving your notification, the Company will cease using your personal data for direct marketing purposes.

Use of Cookies
1. In order to enhance customers' online experience and assist the Company in improving its services, certain data will be collected through "cookies" files when you use the Company's website and/or application.
2. The data obtained through the use of cookies by the Company does not include your personal information. Although the Company may collect data from your computer or other electronic devices (such as IP address, browser settings, browsing history, and/or other internet records), it may not necessarily identify your identity. As non-personal data may mix with personal data, the Company treats such data as personal data for privacy policy purposes.
3. The Company also collaborates with business partners, including Google, Yahoo, Facebook, and DoubleClick, to conduct research on the general usage and activities of this website. They collect data on website users, including individual behavior and usage patterns, for (i) more accurate reporting, (ii) improving the effectiveness of market promotions, and (iii) analyzing user data to enhance the Company's marketing efforts. However, during this research process, whether by Google, Yahoo, Facebook, or DoubleClick, no data that can identify your identity will be collected or shared with the Company.

Most browsers are set to accept "cookies" files by default. If you feel necessary, you can stop or set your browser to notify you when "cookies" are being set. If you choose to disable "cookies" in your web browser, you may not be able to use the financial products and services provided by the Company online and/or through the mobile application. By accepting the use of "cookies" files, you signify your consent for the collection, storage, retrieval, and use of your data.

4. How to Delete Your Information
When you delete the Tiptop Credit website and/or mobile application, the information stored on your device will be deleted. However, any information collected by us will still be retained on our Tiptop Credit servers. Additionally, by authorizing us to share your data with our business partners, whether they continue to store your information or not will depend on their respective privacy policies.

By selecting "I agree," you confirm that you have carefully read and understood all the terms and conditions of this Privacy Statement, and agree to the collection, use, storage, sharing, disclosure, and transfer of your personal data in accordance with the provisions of this Privacy Policy. For any inquiries or requests regarding accessing or correcting your data, please contact the following individuals:

Data Protection Officer
Tiptop Credit Limited
2/F, Hua Chiao Commercial Centre, 678 Nathan Rd, Mongkok, Kowloon
Telephone: (852) 2912 7929
Fax: (852) 2912 7980

According to regulations, the Company reserves the right to charge reasonable fees for any requests regarding accessing information.
Last updated: February 29, 2024.