Privacy Policy

HKMoneys ("we", "our" or "us") is committed to protecting your personal privacy. This Privacy Policy explains how we collect, use, disclose and protect your personal data.

By using our services, you consent to the data processing practices described in this Privacy Policy. We recommend that you read this policy carefully to understand how we handle your personal data.

1. Information We Collect

1.1 Information You Provide

When you use our services, we may collect the following information:

• Personal identification information: Name, date of birth, Hong Kong ID number
• Contact information: Email address, phone number, residential address
• Financial information: Income, employment status, loan requirements, bank account details
• Property information: Property type, property status, address
• Other information: Any additional information you provide in application forms or communications with us

1.2 Automatically Collected Information

When you visit our website, we may automatically collect:

• Device information: IP address, browser type, operating system
• Usage data: Access times, pages viewed, links clicked
• Cookies and tracking technologies: See our Cookie Policy for details

2. How We Use Your Information

We use your personal data for the following purposes:

• Processing loan applications: To assess your credit application and match you with suitable loan products
• Providing services: To manage your account and provide customer support
• Credit assessment: To conduct credit checks and fraud prevention verification
• Communications: To contact you regarding your application status, service updates or marketing information
• Service improvement: To analyze usage patterns and improve our website and services
• Legal compliance: To comply with legal obligations and regulatory requirements
• Risk management: To detect and prevent fraud, money laundering and other illegal activities

3. Information Sharing

We may share your personal data in the following circumstances:

3.1 Lenders and Financial Partners

To process your loan application, we share your information with licensed lenders and financial institutions in our network. These institutions are regulated under Hong Kong's Money Lenders Ordinance and are bound by strict confidentiality obligations.

3.2 Service Providers

We may engage third-party service providers to assist us in providing our services, including:

• Credit reference agencies (such as TransUnion)
• IT systems and hosting service providers
• Customer service and communications service providers
• Marketing and analytics service providers

3.3 Legal Requirements

We may disclose your information to government agencies, regulators or law enforcement agencies if required by law or to protect our rights.

3.4 Business Transfers

If we undergo a merger, acquisition or sale of assets, your information may be transferred as part of the business transaction.

4. Data Security

We implement appropriate technical and organizational measures to protect your personal data from unauthorized access, disclosure, alteration or destruction:

• Use of SSL/TLS encryption to protect data transmission
• Restricted access to personal data for employees and partners
• Regular security audits and vulnerability assessments
• Implementation of firewalls and intrusion detection systems
• Data protection training for employees

However, please note that no method of transmission over the Internet is completely secure. While we strive to protect your personal data, we cannot guarantee absolute security.

5. Data Retention

We will retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, or as required by law. Generally:

• Approved loan applications: 7 years after loan settlement
• Rejected loan applications: 2 years after application
• Marketing communications: Until you unsubscribe
• Legal and regulatory requirements: As specified by applicable law

After the retention period expires, we will securely destroy or anonymize your personal data.

6. Your Rights

Under Hong Kong's Personal Data (Privacy) Ordinance, you have the following rights:

• Right of access: To request access to your personal data held by us
• Right of correction: To request correction of inaccurate or incomplete personal data
• Right of erasure: To request deletion of your personal data in certain circumstances
• Right to object: To object to the processing of your personal data for direct marketing purposes
• Right to restriction: To request restriction of processing your personal data in certain circumstances
• Right to data portability: To request your personal data in a structured, commonly used and machine-readable format

To exercise any of the above rights, please contact us through:

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to improve your browsing experience, analyze website traffic and provide personalized content.

Types of Cookies We Use:

• Essential Cookies: Required for the website to function properly
• Functional Cookies: Remember your preferences and choices
• Analytics Cookies: Help us understand how visitors use our website
• Marketing Cookies: Used to deliver relevant advertisements

You can manage or disable cookies through your browser settings. However, please note that disabling certain cookies may affect the functionality of the website.

8. Third-Party Links

Our website may contain links to third-party websites. Please note that we are not responsible for the privacy practices of these websites. We encourage you to read their privacy policies when providing any personal information to these websites.

9. Marketing Communications

With your consent, we may send you marketing communications about our products and services. You can opt out of receiving marketing communications at any time by:

• Clicking the "unsubscribe" link in emails
• Contacting our customer service team
• Updating your account preference settings

Please note that even if you opt out of marketing communications, we may still send you important notices related to your account or application.

10. Children's Privacy

Our services are not directed to children under 18 years of age. We do not knowingly collect personal data from persons under 18. If you believe we may have information from a person under 18, please contact us immediately.

11. International Data Transfers

Your personal data may be transferred to and processed in locations outside of Hong Kong. In such cases, we ensure appropriate safeguards are in place to protect your personal data, including the use of standard contractual clauses or other legally recognized data transfer mechanisms.

12. Changes to Privacy Policy

We may update this Privacy Policy from time to time. We will post any changes on this page and update the "Last Updated" date. If we make material changes, we will notify you by email or by posting a prominent notice on our website. We recommend that you review this policy regularly to stay informed about how we protect your data.

13. Contact Us

If you have any questions, comments or complaints about this Privacy Policy, please feel free to contact us:

If you are not satisfied with how we handle your complaint, you have the right to lodge a complaint with the Hong Kong Privacy Commissioner for Personal Data: