Privacy Policy

Privacy Policy

HongKongCard and Universal Alliance Group Limited (together "we") collect Personal Data through the HongKongCard website ("Website").

The following Privacy Policy explains how we protect your Personal Data in compliance with the Personal Data (Privacy) Ordinance ("The Ordinance"). This Privacy Policy explains why and the way we will collect, use and disclose your Personal Data and the measures being, and to be, taken to ensure that your data stays secure and confidential.

In this Privacy Policy, the term "Personal Data" means any data relating directly or indirectly to a living individual which is capable of being used to identify that individual.

Information We Collect in this Website

During the course of registration on and/or use of our Website (for example, to get comparative quotes for personal loans), your Personal Data may be collected.

The following are examples (without limitation) of the circumstances in which we collect Personal Data:

  • When you subscribe to receive updates from us, we will ask for your email address;
  • When you register an account on our Website, we may ask for your name, email address, telephone number and/or mobile number;
  • When you request quotes for certain products, we may ask for information like your age and income, so that we can obtain accurate quotes;
  • When you contact us by telephone, we may ask for your name, email address and/or phone number, so that we can contact you regarding your enquiry;
  • When you apply for a product or a service on our website, we will collect contact details, identification information and financial information on the application form; and
  • When you ask us to obtain a credit score for you, we collect your name, address and certain other data, which we will send to a consumer credit reference agency ('CRA') to obtain a credit score.

  • The Personal Data we may ask you to provide includes (without limitation):

  • name
  • address
  • email address
  • telephone number
  • age
  • nationality
  • any messages if you write to us using the "contact us" form
  • your saving goals
  • your reseidency status
  • your income
  • details of the products you are looking for (for example, the size of loan)
  • passport number or HKID (where required for purchasing a product)
  • education history
  • assets
  • employment status
  • employer or company details
  • payment details (when purchasing a product) and
  • information related to any of the above.

  • In addition, when you use the Website, we may automatically collect certain data which may, when combined with other information about you, constitute Personal Data. For example:

  • attributes of the equipment or device you are using, such as the operating system, hardware version, device settings, software and device identifiers
  • device locations, including specific geographic locations identified through GPS, Bluetooth or WiFi signals or other means
  • connection information such as the name of your mobile operator, ISP or other service provider, browser type and IP address
  • the website from which you have reached the Website
  • the Website pages viewed
  • details of the products and services on the site that you look at, information, tools and content available on our site that you use
  • links from our site that you click on
  • quotes you request from our Website
  • your transactions on our Website and details of any payments made by you (including bank account and credit card details and any other account identification information) and
  • information related to any of the above.

  • Finally, when you use the Website, we may, pursuant to your request, receive information about you from third party providers of Partner Products and, where you request a credit score through us, from CRAs.

    Accuracy of Personal Data

    By providing us with your Personal Data, you warrant that this is true and accurate and undertake to notify us as soon as practicable of any change or alteration to the same. Any loss or damage caused to the Website or to the person responsible for the Website or to any third person through the provision of erroneous, inexact or incomplete information will be your exclusive and absolute responsibility.

    Purposes for which we use your data

    We may use your Personal Data for some or all of the following purposes:

  • To set up and administer your account with HongKongCard;
  • To answer your queries and to communicate with you;
  • To allow you to access and use our free comparison services and to provide quotes to you;
  • To enable you to access online application forms on third party external sites;
  • To process applications for Partner Products on your behalf (see below section "Partner products" for further information);
  • To apply for and obtain a credit score on your behalf (see below section "Obtaining credit scores for you") in support of providing comparison services to you;
  • To analyse customer behaviour, market trends and client demographics so that we can improve our services and to enable us to provide a more personalised service and more relevant communications to you;
  • To enable us to save your Personal Data so that you do not have to re-enter it each time you request a quote or apply for a product;
  • To enable us to obtain a credit score for you, upon your request (see below for further information);
  • To enable us to store data and manage our business operations efficiently;
  • With your consent, for direct marketing purposes (see "Direct marketing" below);
  • To comply with our legal and regulatory obligations; and
  • To enable us to provide services and products related to the above and/or otherwise related to your use of the Website.

  • Disclosures of Personal Data

    We will keep your Personal Data confidential and will not disclose or transfer such Personal Data to third parties, except as follows:

    In connection with the above purposes, we may share your Personal Data with:

    our affiliates that provide services to, or share services with, HongKongCard;

  • our partners who are banks, brokers, lenders, insurance companies, broadband companies, and other money and financial service providers whose products may be displayed on our Website from time to time ("Partners"); and
  • service providers that support our business, for example (without limitation) our IT and analytics service providers, back office support, business consultants, legal service providers and marketing service providers.
  • We use Stripe for payment, analytics, and other business services. Stripe collects identifying information about the devices that connect to its services. Stripe uses this information to operate and improve the services it provides to us, including for fraud detection. You can learn more about Stripe and read its privacy policy at

    We and/or any of the third parties listed above may also be required to disclose your Personal Data to any court, law enforcement body, government department, regulator or industry body of any country where required by the laws of Hong Kong or any other jurisdiction, or in response to a lawful request in Hong Kong or elsewhere. We may also need to disclose your Personal Data in order to identify, contact or bring legal action against any person who may be causing damage to or interfere with our and/or any third party's rights or property (whether intentionally or otherwise).

    In connection with the purposes set out in this Personal Information Collection Statement, your Personal Data may be transferred outside Hong Kong. That means your Personal Data may not be protected to the same or similar level as it would in Hong Kong. However, we will take all reasonable measures to ensure that your data is processed and stored securely, regardless of the country in which it is processed or stored.

    Keeping you updated regarding our services & direct marketing

    After you register or otherwise use our services, and provided you give your explicit consent, we may use your Personal Data (including your name, address, email address and telephone number) to contact you about news, offers, events, and promotional campaigns in relation to price comparison services and/or financial services, insurance, communications, online content and other products and services that we feature on the Website from time to time.

    For example this may include credit cards, mortgages, personal loans, insurance products, broadband services etc. We may use other data collected about you, including but not limited to your age, location, income bracket, employment, browsing history, purchases and quotes requested in order to provide materials that are customised and relevant to you.

    With your explicit consent, we may also provide your Personal Data (including your name, address, email address and telephone number) to our Partners so that they may contact you with news, offers, events, and promotional campaigns in relation to price comparison services and/or financial services, insurance, communications, online content and other products and services that we feature on the Website from time to time.

    We may provide other data collected about you, including but not limited to your age, location, income bracket, employment, browsing history, purchases and quotes requested in order to enable these third parties to provide materials that are customised and relevant to you. We may provide your Personal Data to these third parties for gain.

    You can opt out of direct marketing, free of charge, at any time (see "Your Rights" below).

    Third party providers

    If you opt to enter into a contract with a third party through this Website, the data you provide to the third party will be transferred to that third party and controlled by the third party in accordance with that third party provider's privacy policy. Therefore, you should contact them directly for additional information in relation to their privacy policies and read all of them before entering a contract. We are not responsible for how third party providers use your Personal Data.

    Cookies & Collection of Computer Data

    We strive to provide you with the best possible service, and to help us do this we use cookies. When users visit the Website, our servers will record information that browsers send. This includes but not limited to:

  • IP Address;
  • Browser type;
  • Website visited before user came to the Website;
  • What page user viewed on the Website; and/or
  • Time spent on the Website.

  • These cookies enable us to:

  • provide you with a more personalized experience on the Website. It allows us to remember you when you revisit this Website. You can also access your previously saved quotes;
  • study browsing habits on this Website. The more we understand what products you are interested in, the greater our ability to offer you customized solutions and targeted advertisements and other marketing materials; and
  • obtain information regarding the number of visitors to this Website and the pages viewed.

  • In most cases, cookies are deleted when you close your browser; these are referred to as session cookies. However, persistent cookies stay on your browsing device either until such time you delete them or they expire. By using this Website, you consent to us using cookies. Such use of data does not disclose any of your Personal Data, and we will not collect, process or use any of your Personal Data in this regard.

    You can alter your computer browser settings to block or delete cookies. If you opt to block or delete cookies of the Website, you may not be able to access certain products or services and this could have an effect on the performance of the Website on your system (for example, banner ads may not display properly).

    Using the above, HongKongCard may use Google Analytics and Google Display Network features including advertising and remarketing. Please visit if you want to opt out of these features.

    Storage, Security and Retention

    Keeping your data secure is important to us. This Website is a "VeriSign Secure Website" and thus offers a high level of data protection. However, no information transmission over the internet is 100% secure. Highly sensitive data, such as your credit card details, are encrypted to minimize the danger of interception during transit.

    When you register an account with us, you will be asked to choose a password. It is your responsibility to keep your password safe, and not share it with anyone. We are not responsible for any transactions conducted by a third party that has logged in to your account using your password. If you suspect that your account has been used by someone other than you, please notify us straight away.

    All Personal Data that has been collected from you will only be stored for a duration that is relevant to the purpose for which it was processed and for as long as permissible by applicable law(s), in any event no longer than necessary for purposes mentioned in the "Purposes for which we use your data" section above.

    Your Rights

    You have the right to check whether we hold Personal Data about you and to require access,correction or deletion of your Personal Data of your Personal Data, and can also opt out of receiving direct marketing or promotional communications from us, our affiliates, and any of our Partners.

    If you wish to exercise the above mentioned rights, or you have any inquiries or complaints in respect of your Personal Data, please kindly address your enquiries to:

    Personal Data Protection Officer

    CC information Limited

    26/F, Two Harbour Square, 180 Wai Yip Street,

    Kwun Tong, Kowloon, Hong Kong

    Changes to this Privacy Policy

    We might revise this Privacy Policy in the future. By continuing to access or use the Website and/or our services when such changes are made, you agree to the revised privacy policy. This Privacy Policy was last updated on 27 September 2021.