安全宣告與注意事項

Notice to Customers and Other Individuals relating to Customer Information, the Personal Data (Privacy) Ordinance (the “Ordinance”) and the Code of Practice on Consumer Credit Data (the “Code”)
關於個人資料﹝私隱﹞條例(“條例”)致客戶的通知

1. From time to time, it is necessary for customers and other individuals (including but not limited to the applicants for banking/financial services and facilities, sureties and persons providing security or guarantee for banking facilities, shareholders, directors, officers and managers of corporate customers, and other contractual counterparties) (collectively the “Data Subjects”) to supply the Bank with data in connection with the establishment and continuation of relationships including but not confined to the opening or continuation of accounts, the establishment or continuation of bankingor credit facilities, or the provision of banking, securities and, financial and other services.
   為維繫銀行與客戶關係（包括（但不限於）開立或延續賬戶、建立或延續銀行信貸、信用信貸或其它證券及財務服務），客戶需要不時向本銀行提供有關其本人的資料。
   
2. Failure to supply such data may result in the Bank being unable to open or continue accounts or establish or continue banking or credit facilities or provide banking, securities, financial and other services.
   若未能向銀行提供該等資料可能會導致銀行無法開立或延續戶口或建立或延續銀行信貸便利或提供銀行服務。
3. It is also the case that data are collected from the Data Subjects in the ordinary course of the continuation of relationships, for example, when the Data Subjects write cheques, deposit money, give instructions to, gain access to or otherwise use the Bank’s services (including phone banking services).
   客戶與銀行在延續正常業務運作中，銀行亦會收集客戶的資料，例如：當客戶開出支票、存款或電話理財服務時。
4. The purposes for which data relating to a Data Subject may be used are as follows:
   客戶的資料可能會用於下列用途：

   (1)	the daily operation, management and provision of, or gaining of assess to the Bank’s services, including but not limited to the banking, securities, financial and other services, [automatic teller machine services, credit card, charges card facilities] [to client: please confirm if your bank provides the above services] and banking or credit facilities provided to the Data Subjects via the internet; 提供服務和信貸便利給客戶之日常運作；
   (2)	the processing of applications for Bank’s services and facilities, conducting credit or other status checks when such applications are made by the Data Subjects, and performing regular and special credit or other status assessments; 在申請信貸時或在一般每年作出一次或數次的定期性或特別審查時作出的信用調查或信用評核；
   (3)	the creation and maintenance of the Bank’s credit scoring models; 編制及維持銀行的信貸評分模式；
   (4)	assisting other financial institutions in conducting credit or status checks and collecting debts; 協助其他財務機構作信用檢查及追討債務；
   (5)	ensuring ongoing credit worthiness of the Data Subjects; 確保客戶維持信用良好；
   (6)	researching, designing, launching, marketing and promoting banking, securities, financial or other services and/or related products for the Data Subject’s use (including but not limited to exchange of non-financial information with selected business partners); 設計為客戶使用的財務服務或有關產品；
   (7)	determining the amounts of indebtedness owed to or by the Data Subjects; 計算銀行與客戶之間的債務；
   (8)	collection of amounts outstanding from the Data Subjects and those providing security for the Data Subjects’ obligations; 向客戶及為客戶的責任提供抵押的人士追收欠款；
   (9)	meeting the requirements to make disclosure under the requirements of any law binding on the Bank or any of its branches; 銀行或其任何分行為履行任何對其有約束力的法例的規定而作出披露；
   (10)	enabling an actual or proposed assignee of the Bank, or participant or sub-participant or transferee of the Bank's rights in respect of the the Data Subjects or purchaser of all or any part of the Bank’s business or its shares to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation or purchase; 使銀行的實在或建議承讓人，或銀行對客戶的權利的參與人或附屬參與人評核意圖成為轉讓、參與或附屬參與的交易；
   (11)	the enforcement of the Data Subjects’ obligations, including but not limited to the collection of amounts outstanding from the Data Subjects and those providing security for the Data Subjects’ obligations;
   (12)	purposes within the ordinary course of banking business, including but not limited to the provision of administrative and data processing services by the Bank;
   (13)	purposes specifically provided for in any particular service or facility offered by the Bank;
   (14)	conducting matching procedures (as defined in the Ordinance) or data comparison in respect of all or any of the purposes mentioned above; and 進行核對；及
   (15)	all other related, incidental or associated purposes relating to the above. 一切與上述有聯繫、有附帶性及有關的用途。

5. Data held by the Bank relating to a customer will be kept confidential but the Bank may provide such information properly to the following parties, whether within Hong Kong or elsewhere, for the purposes set out in paragraph (4), the purposes otherwise specifically provided for or the purposes considered by the Bank appropriate and necessary to :
   銀行會對其持有客戶資料保密，但銀行在認為有需要或適當時可把該等資料提供給下述各方作第(4)段列出的用途：

   (1)	any agent, contractor or third party service provider who provides administrative, telecommunications, computer, payment, securities clearing or other services to the Bank in connection with the operation and provision of the Bank’s internet banking services or other businesses of the Bank, whether in or outside Hong Kong for the purpose of such services; 任何代理人、承包人、或向銀行提供行政、電訊、電腦、付款或證券結算或其他與銀行網路銀行服務及其他業務運作有關的服務的第三方服務供應者，無論該服務供應者位處香港特別行政區、中國或其他海外地區；
   (2)	the holding company of the Bank or any subsidiary, associated company or affiliate of the group of companies of which the Bank is a member any where in the world for various purposes set out in Paragraph 4 and for the purpose of providing administrative and data processing services to the Bank in particular; 本行總行及所有的其他分行或辦事處，包括附屬公司、關聯或聯繫公司；
   (3)	any other branch of the Bank;
   (4)	any person with the express or implied consent on the Data Subjects;
   (5)	any person where the interests of the Bank require disclosure;
   (6)	any person where the public interest requires disclosure;
   (7)	any person who is engaged to provide services in the normal course of the Bank’s business;
   (8)	any other person under a duty of confidentiality to the Bank including a group company of the Bank which has undertaken to keep such information confidential; 任何對銀行有保密責任的人，包括銀行集團內已承諾保持該資料保密的公司；
   (9)	any nominee, trustee, co-trustee, centralized securities depositary, registrar, custodian, brokers or dealers or other persons who are involved in, and for the purposes of, the provision of banking services, facilities, or products to the data subject;
   (10)	auditors or legal advisors of the Bank;
   (11)	any financial institution with which the Data Subject has or proposes to have dealings; 任何與客戶已有或擬有往來的財務機構；
   (12)	any actual or proposed assignee of the Bank or participant or sub-participant or transferee of the Bank’s rights in respect of the Data Subjects including, without limitation, The Hong Kong Mortgage Corporation ("HKMC") or such other person as may be required or necessary pursuant to the contractual arrangements with HKMC in respect of the sale of mortgages or other security by the Bank or any purchaser of all or any part of the Bank’s business or its shares;
   (13)	the banks of drawers of cheques made payable to the Data Subjects, for the purpose of confirming to such drawers payments to the Data Subjects under such cheques, including the provision of the copies of the relevant cheques to the drawers (which may contain information about the Data Subjects); 付款銀行向出票人提供已付款支票的副本（而其中可能載有關於收款人的資料）；
   (14)	any person who requests the Bank to provide references in respect of the Data Subjects upon producing proof the relevant of Data Subjects’ prescribed consent;
   (15)	credit reference agencies, and, in the event that the Data Subjects has defaulted in payment to the Bank or otherwise, to debt collection agencies; 信貸資料機構；而在客戶欠賬時，則可將該等資料提供給收數公司；
   (16)	any person to whom the Bank is under an obligation to make disclosure under the requirements of any law or regulatory regime binding on the Bank, its head office or any of its branches, including supervisory or regulatory authority, police or court of law under the requirements of any law, regulation or court order binding on the Bank and its group companies; 銀行在根據對銀行或其任何分行具法律約束力的規定下而有責任對任何人作出披露
   (17)	any actual or proposed assignee of the Bank or participant or sub-participant or transferee of the Bank's rights in respect of the customer; and 任何銀行確實或建議中的承讓人、參與人、附屬參與人或銀行對客戶的權利轉讓時的承讓人及；
   (18)	meeting the requirements to make disclosure to the 根據銀行，包括銀行集團內需遵守的任何適用法例、法則或法院指令的要求向監管機構、警方或法院作出所需披露。

6. Without prejudice to the rights of and protection to the Data Subjects under the Ordinance and the Code, the Bank may from time to time transfer the data of customers outside Hong Kong for the purposes of, in addition to those set out under paragraph 4 hereof, processing and storing data.
   銀行或會將客戶資料轉移至香港以外作其他用途，包括資料處理及保存。
7. The Hong Kong Monetary Authority (“HKMA”) has issued guidelines on the sharing and use of consumer credit data through the credit reference agencies. The HKMA expects that all authorised institutions ( including the Bank) which services includes the provision of credit to the Data Subjects to participate as fully as possible in the sharing and use of consumer credit data through the credit reference agencies within the framework of the Code. Under and in accordance with the provisions of the Ordinance and the Code, all Data Subjects has the rights to:
   香港金融管理局（「金管局」）已就通過資料庫提供服務的個人信貸資料共享及使用編訂了守則。金管局期望所有向客戶提供個人信貸的獲授權機構（包括本銀行）盡量參與根據該條例及該守則透過資料庫共享客戶個人信貸資料。根據條例中的條款及根據條例核准和發出的個人信貸資料實務守則，任何客戶有權：

   (1)	check whether the Bank holds data about him/her and may request access to such data; 查核銀行是否持有他/她的資料及查閱該等資料；
   (2)	require the Bank to correct any data relating to him/her which is inaccurate; 要求銀行改正任何有關他/她的不準確的資料；
   (3)	request the Bank to ascertain its policies and practices in relation to data and to be informed of the kind of personal data held by the Bank; 查明銀行對於資料的政策及慣例和獲告知銀行持有的個人資料種類；
   (4)	object to the use of his/her personal data for marketing purposes; the Bank will not use his/her personal data for such purposes if he/she communicates his/her objection to the Bank in writing;
   (5)	request the Bank to inform him/her which items of data are routinely disclosed to credit reference agencies and debt collection agencies, and to provide further information to enable the making of access and correction requests to the relevant credit reference agencies or debt collection agencies; and 查詢並獲銀行回覆，例行向信貸資料機構或收數公司披露的個人資料類別，及獲銀行提供進一步資料，以便向有關信貸資料機構或收數公司提出查閱和改正資料的要求；及；
   (6)	(in relation to data which has been provided by the Bank to a credit reference agency) instruct the Bank to make a request to the credit reference agency upon termination of an account by full repayment to delete such data from its database which relates to his/her credit data , as long as the instruction is given within five years of termination and at no time did the account have a default of payment lasting in excess of 60 days within 5 years immediately before account termination. In the event the account has had a default of payment lasting over 60 days the data may be retained by the credit reference agency until the expiry of five years from the date of final settlement of the amount in default or five years from the date of discharge from a bankruptcy as notified to the Bank, whichever is earlier. 於悉數清償欠款以結束賬戶時，指示銀行要求該信貸資料機構從其資料庫中刪除銀行曾經提供的帳戶資料，惟是項指示須於結束賬戶後5年內發出，且該賬戶在緊接賬戶終止之前5年內，並無超過60天的拖欠還款紀錄。假如該賬戶有拖欠還款逾60天的紀錄，信貸資料機構可以保留有關紀錄，直至欠款悉數清償之日起計滿5年為止，或銀行接獲解除破產令生效日期起計滿5年為止，以較早發生者為準。

8. In accordance with the terms of the Ordinance, the Bank has the right to charge a reasonable fee for the processing of any data access requests.
   根據條例的條款，銀行有權就處理任何查閱資料的要求收取合理費用。
9. The person to whom requests for access to data or correction of data or for information regarding policies and practices and kinds of data held are to be addressed to the Bank in writing to:
   任何關於查閱或改正資料，或索取關於資料政策及慣例或所持有的資料種類的要求，應向下列人士提出：
   The Data Protection Officer 資料保護主任
   E.sun Commercial Bank, Ltd.……玉山銀行股份有限公司, 香港分行
   地址：香港九龍尖沙咀廣東道9 號港威大廈第六座28樓2805 室
   　　　2805, 28/F, Tower 6, The Gateway, 9 Canton Road, Tsimshatsui, Kowloon, Hong Kong
   電話號碼：852-34056168
   傳真號碼：852-25118788
10. From time to time, the Bank may have obtained credit reports relating to the Data Subjects from credit reference agencies for the purpose of considering an application for credit by the relevant Data Subjects. In the event that the relevant Data Subject wishes to have access to the credit report, the Bank will provide the contact details of the relevant credit reference agency upon request.
    當客戶申請信貸時，銀行可能要求有關信貸資料機構提供客戶信貸資料報告。若客戶希望得到有關報告，銀行將會提供信貸資料機構的聯絡資料。
11. Nothing in this Notice shall limit the rights of the Data Subjects under the Ordinance.
    本通知不會限制客戶在個人資料(私隱)條例下所享有的權利。
12. If there is any conflict between the English and Chinese versions of this Notice, the English Version shall prevail for all purposes.