Privacy Policy Statement

As a customer oriented company, HS Finance & Credit Company Limited (HS) is committed to comply with the requirements the Personal Data (Privacy) Ordinance of the Hong Kong Special Administrative Region ('the Ordinance') and all applicable data privacy laws in Hong Kong.

  1. In the course of business, it is necessary for customers and other individuals (including without limitation the references or guarantors of loans) to supply HS with Personal Data which includes name, contact information, date of birthday, Hong Kong Identity card and travel document numbers, employment contract numbers and employment records. Failure to supply such Personal Data may result in HS being unable to offer or provide loan product or services.
  2. All personal data collected by HS in the ordinary course of business are for:-
    1. Communicating with customers and processing applications for loan products;
    2. Designing financial services or related products for customers' use;
    3. Verifying customers' identities, through internal credit check system or credit reference agencies;
    4. The establishment of maintenance of customer profile;
    5. Maintaining customer loyalty or reward program;
    6. Maintaining the credit history of customer for present and future reference;
    7. Direct marketing purpose to customers who have given consent (which includes an indication of no objection);
    8. Conducting service quality survey;
    9. Enforcing customers' obligations, collection of amounts outstanding from customers;
    10. Meeting the requirements to make disclosure under the requirements of any law binding on HS or under and for the purposes of any guidelines issued by regulatory or other authorities with which HS is expected to comply;
  3. HS undertakes to keep all Personal Data confidential; but HS may provide such data to the following parties (whether within or outside Hong Kong):-
    1. Any person or governmental entity or judicial bodies or regulators to whom HS is under an obligation or is required to make disclosure under the requirements of any law;
    2. Credit reference agencies and, in even of default, to debt collection agencies;
  4. Under and in accordance with the terms of the Ordinance, any individual has the right to:
    1. check whether HS holds Personal Data of such individual and/or access to such data;
    2. require HS to correct Personal Data of such individual which is inaccurate;
    3. ascertain HS's policies and practices in relation to data and to be informed of the kind of personal data held by HS;
    4. to be informed on request which items of data are disclosed to credit reference agencies or debt collection agencies, and be provided with further information to enable the making of an access and correction request to the relevant credit reference agency or debt collection agency; and;
    5. Upon satisfactory termination of the credit by full repayment, to make request to the credit reference agency to delete such data from its database.
    6. HS may from time to time obtain a credit report on the customer from a credit reference agency in considering any loan
    7. Any request for access to Personal Data or correction of Data can be addressed to:-
      Data Privacy Officer
      HS Finance & Credit Co. Ltd.
      17/F, CFC Tower,
      28 Mody Road,
      Tsim Sha Tsui
    8. Nothing in this notice shall limit the rights of data subjects under the Ordinance.
    9. In accordance with the terms of the Ordinance, HS has the right to charge a reasonable fee for the processing of any data access request.
    10. If you choose to opt out to stop promotional calls or SMS to your mobile, please contact our representatives by calling (852) 34763100 for Indonesian customers, or (852) 34763200 for Philippines customers. We will act on your opt out request within 30 days.

Information in this website maybe amended at any time without advance notice at the discretion of HS Finance In case of discrepancies between the English and Bahasa versions, the English version shall apply and prevail.

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