Privacy Policy
Privacy Policy Statement
1. Commitment to Personal Data Protection
1.1 This Privacy Policy Statement (“Statement”) applies to all products and/or services (the “Services”) provided by BBMSL Limited and/or its subsidiaries, its affiliates, its associate companies (“BBMSL”, “we”, and “us”).
1.2 In handling personal data, BBMSL is committed to protecting your personal data privacy in accordance with the Personal Data (Privacy) Ordinance, Cap. 486 of the laws of Hong Kong (the “Ordinance”).
1.3 To enable you to make informed decisions about providing us with your personal data (“Data”) when using our Services, we outline in this Statement our policies and practices and the choices you have concerning the collection and use of your Data. This Statement sets out the kinds of Data which may be collected, the main purposes for which your Data may be used, and who you may contact for making data access requests and data correction requests.
1.4 We may update this Statement from time to time. You are advised to review this Statement from time to time.
2. Types of Data we collect
2.1 The types of Data we collect from you will depend on (i) the nature of your relationship with BBMSL and (ii) the specific types of services, products, facilities, or privileges as requested by or provided to you. The types of Data we collect may include:
(a) your personal information (e.g. your name, gender, date of birth, nationality, family status, passport or other identification number, the particulars of your registered status with any of BBMSL or its business associates);
(b) your contact information (e.g. your telephone number, mailing address, email address, and fax number);
(c) your business information (e.g. the name of your company, employer or principal, and your business title);
(d) your credit card or other charge card information (e.g. name of cardholder, card number, billing address, and expiry date);
(e) information about your use of our websites, services, or products, your personal preferences and comments, and responses to promotional offers and surveys.
2.2 We stress that it is not obligatory for you to provide the Data to us. However, if you elect not to provide the Data, we may not be able to supply or continue to supply you with the relevant information, services, or products.
3. Purposes for which the Data is collected and used
3.1 Depending on (i) the nature of your relationship with BBMSL and (ii) the specific types of services, products, facilities, or privileges as requested by or provided to you, BBMSL may use the Data for one or more of the following purposes from time to time:
(a) to process your application or request for services, products, facilities, or privileges (including assessing and investigating your ability to perform your obligations and, where appropriate, your creditworthiness, financial status, and repayment ability);
(b) to provide services, products, facilities, or privileges to you, and handle the necessary arrangements and matters (including legal, administrative and other matters) for maintaining and managing such services, products, facilities, or privileges.
(c) to verify your identity and the accuracy of the Data;
(d) to appraise and review your ability to perform your obligations and, where appropriate, your creditworthiness, financial status, and repayment ability from time to time;
(e) to calculate any amount payable by you or to you in connection with the relevant services, products, facilities, or privileges;
(f) to collect or recover any amount or indebtedness owing by you in any capacity;
(g) to enforce the terms of any contract or arrangement between you and BBMSL and to take suitable action to protect or preserve the rights or benefits of BBMSL;
(h) to communicate with you and for overall relationship management and maintenance;
(i) to investigate, handle, and respond to any comments, messages, requests, enquiries, complaints, or incidents made by you, made against you, or involving you in any manner;
(j) to assist banks, financial institutions, and credit providers from which you obtain or apply for credit facilities to conduct credit checks about you or collect debts owing by you;
(k) to design, arrange, provide, or procure services, products, facilities, privileges, activities, or events for you or customers generally, through our websites or other telecommunications channels or electronic means;
(l) to conduct surveys, research, and analysis to facilitate the provision of services, products, facilities, privileges, activities, or events to you or to customers generally;
(m) to market and promote services, products, development projects, facilities, events and/or activities offered or organized by BBMSL or any business partner (including any joint venture companies in which BBMSL has an interest) or selected company that has made any co-branding or cooperative arrangement with;
(n) to comply with any obligations or requirements for using or disclosing personal data that are imposed BBMSL by any law or regulations, or by any governmental agency, regulatory authority, law enforcement agency, court, or judicial body, whether in or outside of Hong Kong;
(o) to comply with any policies and measures for using or disclosing personal data implemented by BBMSL for the prevention or detection of money laundering, terrorist financing, or other unlawful activities;
(p) to match or compare the Data held by BBMSL from time to time in order to or intending to produce or verify data which may be used for taking adverse action against you;
(q) (where BBMSL believes in good faith that the use or disclosure of personal data is necessary) to protect the rights or properties of BBMSL, or to identify, contact, or bring legal action against any person who may be causing damage to or interference with the rights or properties of BBMSL (whether intentionally or otherwise), or when any other person could be harmed by such activities;
(r) to fulfill other purposes directly related to any of the above purposes or other purposes which you may agree to from time to time.
3.2 We will not knowingly or intentionally use, disclose, sell, or rent the Data provided to us for purposes other than or that are unrelated to those set out above without your consent.
4. Disclosure and Transfer of Data
4.1 BBMSL will keep the Data confidential but may disclose or transfer the Data to one or more of the following classes of persons from time to time for the purposes set out in this Statement:
(a) any members of BBMSL in connection with the provision of services, products, facilities, or privileges;
(b) any agents, sub-agents, suppliers, contractors, sub-contractors, or service providers (including their employees, directors, officers, agents, and service providers) who provide services or support to BBMSL in connection with sales or marketing or with its business or operations in general. These services or support may include sales and marketing, data storage, data processing, administrative, telecommunications, or computer services. These agents, sub-agents, suppliers, contractors, sub-contractors, or service providers may or may not be members of BBMSL;
(c) any bank, financial institution, or credit provider from which you obtain or apply for credit facilities;
(d) any person to whom BBMSL is under any obligation or requirement to disclose personal data in compliance with law, regulation or court order, or in response to lawful request by any governmental agency, regulatory authority, law enforcement agency, court or judicial body, or in case BBMSL believes in good faith that disclosure is necessary for (including but not limited to) protection of its rights or properties, or to identify, contact or bring legal action against any person who may be causing damage to or interference with its rights or properties (whether intentionally or otherwise), or when any other person could be harmed by such activities;
(e) any person to whom BBMSL is required to disclose personal data by any policies and measures implemented by BBMSL for prevention or detection of money laundering, terrorist financing or other unlawful activities;
(f) any person who owes a duty of confidentiality to BBMSL, including accountants, auditors, legal advisers and other professional advisers;
(g) any independent contractor or agent appointed by BBMSL to conduct assessment and investigation of your ability to perform your obligations and, where appropriate, your creditworthiness, financial status and repayment ability;
(h) any debt collection agency, where you default in paying any amount or indebtedness; and
(i) any actual or potential purchaser or assignee of BBMSL or its business and assets (or any part of them including any mortgage loans granted by the member).
4.2 The Data may be transferred in or out of Hong Kong to any of the persons set out above. By providing the Data to BBMSL, you agree that BBMSL may transfer the Data outside Hong Kong.
4.3 Where the Data is transferred outside Hong Kong, we will take reasonably practicable steps to ensure that the Data transferred outside Hong Kong is protected by standards in line with the requirements of the Ordinance, subject to any other requirements and limitations applicable in the relevant overseas jurisdiction.
5. Data Retention
The Data you provide to us will be kept by us only for as long as it is necessary to fulfill the purposes set out in the Statement. The Data after which it will be destroyed in accordance with the Ordinance after the purposes have been fulfilled.
6. Use of Cookies
In order to provide you with better user experience and customizable and personalized services on our websites, “cookies” may be created and saved on your computer. Cookies are small text files that are automatically created and stored on your web browser in your computer or other access device (e.g. a smart phone or tablet) which can be retrieved by our websites. Cookies will store information about your site preferences (e.g. if you inquire about rates and availability, the site might create a cookie that contains the details you entered), navigation pattern, your login name, etc and be used to track visits to our websites but will not collect or store any information by accessing the rest of your computer. For example, our websites cannot determine your name, address, telephone number or any similar information unless you choose to type it on any of our websites. Most web browsers automatically accept cookies, but if you prefer, you can at any time disable the cookies in your web browser. However, by disabling the cookies, you will be unable to use some of the features of our websites.
7. Log Files
We may also collect information regarding your IP address, browser type, domain name and access time (“Log Files”). Log Files are primarily used for our own research purposes and are kept separately from the Data. In certain circumstances permitted by the Ordinance, IP addresses may be used to assist in investigating, deterring and/or preventing abusive or criminal activity on our websites.
8. Our Commitment to Data Security
To maintain the accuracy of the Data, as well as preventing unauthorised access and ensuring the correct use of the Data, we have carried out appropriate measures to safeguard and secure the Data we collect. We use an industry standard for encryption over the Internet known as Secure Socket Layer (SSL) protocol, to protect the Data.
We install a firewall on our websites to protect the Data against unauthorised or accidental access. However, complete confidentiality and security is not possible over the Internet, and data privacy cannot be absolutely assured in your communications with us. You acknowledge and accept the risk of unauthorised or accidental access of the Data. This may result in, among others, you receiving unsolicited messages from other parties. We are not responsible in any manner for direct, indirect, special or consequential damages that you may incur or suffer caused by or arising from your communications with us. You are advised to take precautionary measures against unauthorised access to any passwords and financial information such as credit card details. You should make sure you sign out or log out from your account after use particularly when using a shared computer.
The Data may include personally identifiable information (“PII”), we agree to comply with all applicable laws and regulations in protecting the confidentiality of PII and shall not use PII for any unlawful purpose. We further agree not to transfer any PII to another jurisdiction if such a transfer would violate applicable data protection laws or regulations.
9. Our Commitment to Children’s Data Privacy
We treat data privacy of children seriously. Our services are general audience services not directed at children under the age of 18. We do not knowingly collect, share, or sell any information from children under the age of 18. If we learn that any information we collect has been provided by a child under the age of 18, we will promptly delete that information.
10. Other Websites
10.1 Our websites may contain links to external third party websites (“external websites”). Your access to and use of an external website is at your own risk and subject to the terms and conditions, and privacy policies and practices applicable to the external website.
10.2 All external websites are independent from our websites. BBMSL has no control over the external websites, their contents or the terms and conditions governing their use, or their privacy policies and practices. We do not give any warranty or representation for the quality or security of any external websites. You should therefore be fully aware that the provision of the link to an external website does not constitute an endorsement, approval, recommendation or any form of cooperation or association by or with BBMSL. You should therefore remain alert when you click on a link to leave any of our websites and enter an external website, and you should read the terms and conditions and privacy policies of that external website.
11. Use of Data in Direct Marketing
11.1 From time to time, we may use the Data to send you news, offers, promotions and joint marketing offers and we require your consent for that purpose. We may contact you by email, in-app notifications, social media, SMS, text/picture/video message, telephone or mail.
11.2 Your name, email address, telephone number, contact address, social media contact, date of birth, products and services portfolio information, transaction patterns and behaviors, browsing records, content viewing habits and personal interests held by us may be used by BBMSL in direct marketing of our services and the following products or services offered by our business partners, advertising partners or the registered merchants.
11.3 If you prefer not to receive any direct marketing communications from us or our marketing partners, you can opt out at any time with written notice to us. Upon receipt of your request, we shall cease to use your Data as soon as possible without charge to you.
12. How to access or correct your Data or contact us
12.1 You are entitled to ascertain whether we hold your Data, request access to your Data and correction of any of your Data which is inaccurate. If you wish to obtain a copy of any of your Data or to correct your Data, please issue a request in writing to the following contact details:
Attention: Compliance Department
Address: Suite 1703-04, 17/F, Tower 2, Nina Tower, 8 Yeung Uk Road, Tsuen Wan, N.T., HK
12.2 In accordance with the provisions of the Ordinance, we have the right to charge a reasonable fee for the processing of any data access request.
13. Use of Personal Data in legal proceedings
If it becomes necessary that we have to take action against you for any reason whatsoever including recovering from you any money you owe us, you expressly agree that the Personal Data provided by you can be relied upon in identifying and taking legal action against you.
14. Access to Privacy Policy Statement
14.1 You may access and obtain a copy of this Statement, as amended from time to time from our websites. Nothing in this Statement shall limit your rights as a data subject under the Ordinance.
14.2 This Statement is written in the English language and may be translated into other languages. In the event of any inconsistency between the English version and the translated version of this notice, the English version shall prevail.
Last Modified: 30 April 2025
