Privacy Policy:
In some cases, this website may require visitors to provide some personal data, the purposes for which will be set out in the relevant sections of this website. SocioBridge Limited (collectively referred to as the “Company”) undertakes to ensure that all personal data is handled in accordance with the requirements of the Personal Data (Privacy) Ordinance. Under the Personal Data (Privacy) Ordinance, any person has the right to request access to or correction of personal data concerning him or her by contacting us by email admin@sociobridge.world or by telephone at 2603 1233.
Information Policy:
1. This Notice sets out the information policy of the Group, including SocioBridge Limited (hereinafter collectively referred to as the “Company”).
2. For the purposes of this Notice, “the Group” means the Company and its holding companies, branches, subsidiaries, representative offices and affiliates, regardless of their location. Subsidiary members include branches, subsidiaries, representative offices and affiliated members of the Company’s holding company, regardless of their location.
3. Data subjects, wherever referred to in this Notice, include the following categories of individuals:
a. Applicants or customers and their licensees of loans and related services and products and credit facilities provided by the Company.
b. acting as guarantor, retainer and person providing mortgage, guarantee or any form of support based on its obligations to the Company; and
c. directors, shareholders, officers and managers of any corporate applicant and client;
In the event of any discrepancy or disagreement between this Notice and the relevant contract, this Notice shall prevail for the protection of the data subject’s personal data. Nothing in this Notice limits the rights of data subjects under the Personal Data (Privacy) Ordinance (Cap. 486) (the “Ordinance”).
4. Data subjects are required to provide relevant information to the Company from time to time when opening or continuing credit accounts and related services and products.
5. Failure to provide such information to the Company may result in the Company being unable to open or continue credit accounts and related services and products.
6. The Company may collect or receive data about data subjects from time to time. Such information includes, but is not limited to, information collected from the data subject during the normal course of business with the Company.
7. Data relating to the data subject may be used for the following purposes:
a. providing day-to-day operational services and credit facilities to data subjects;
b. conducting credit checks (including but not limited to customer credit applications and periodic credit reviews);
c. establishing and maintaining the Company’s credit and risk-related standards;
d. assisting other financial institutions in credit screening and debt collection;
e. ensure that the data subject’s credit is in good standing;
f. designing financial services or related products for data subjects;
g. promoting loans and other services (see paragraph 9 below);
h. determining the Company’s obligations to the Data Subject or the Data Subject to the Company;
i. enforcing the obligations owed by the data subject to the Company, including but not limited to recovery of amounts owed to the data subject and to persons who provide mortgages or security for the data subject’s obligations;
j. making disclosures as required by law to which the Company or any of its branches are subject;
k. enabling the Company’s substantial or proposed transferee, or the Company’s participation or sub-participant in the interests of the data subject, to evaluate the transaction in relation to the transfer, participation or ancillary participation;
l. In the event of any default in repayment, the credit reference agency shall have the right to retain the borrower’s account information for a period of five years from the date of final settlement of the arrears unless the amount in arrears can be repaid within 60 days from the due date;
m. Use in connection with the above.
8. The Company will keep the data subject’s data confidential but the Company may provide the data to the following parties for the purposes described above: i. any agent, contractor or third party service provider providing administrative, telecommunications, computer, bill payment, debt collection or other services in connection with the operation of the Company’s business; ii. any person under a duty of confidentiality to the Company, including companies or firms or associated organizations belonging to the same group as the Company in respect of such information; iii. credit reference agencies or, in the event of default by the data subject, to debt collection agents; iv. any person to whom disclosure is made pursuant to a legal requirement to which the Company or its branches are subject; and v. any actual or proposed transferee of the Company, or any participant or sub participant or transferee of the Company’s interests in the data subject.
9. Direct Marketing
The Company wishes to use the following types of data for direct marketing purposes in the manner specified in this paragraph – The Company uses personal data in direct marketing for voluntary purposes only. This means that customers have the right to choose whether or not the Company may use their data for such purposes. In this regard:
a. The Company may, from time to time, use the full name, contact details (e.g. telephone number, email address or correspondence address) and SocioBridge account number of the Customer or the relevant data provider held by the Customer or the relevant data provider for direct marketing purposes;
b. The Company may promote various services and credit facilities;
Customers have the right to choose whether their personal data is used for direct marketing purposes. If at any time the Client consents to the use of his or her personal data in direct marketing but subsequently changes his/her mind, he or she has the right to write to the Data Protection Officer at the address or fax number provided below free of charge or in any other manner acceptable to the Company, to inform the Company that he/she no longer wishes the Company to use his/her personal data in direct marketing.
10. Under the Ordinance and in accordance with the Code of Practice on Consumer Credit data, any person has the right to:
a. enquire whether the Company holds personal data about him or her and has the right to access such data;
b. require the Company to correct inaccurate personal data;
c. (when any person’s application for credit does not involve a mortgage loan) whether the borrower terminates the loan due to full repayment; or if there is no default of more than 60 days in the account within five years from the date of full repayment of all payments during the loan term, the Borrower has the right to request the Company to apply to the credit reference agency to delete the account information of the Borrower that has been terminated;
d. to ascertain the Company’s policies and practices in relation to such data and to be informed of the categories of personal data held by the Company; and
e. in relation to consumer credit, request to know what information will be disclosed regularly to credit reference agencies or debt collection agents, and may request further information for the purpose of making data access and correction requests to the relevant credit reference agencies or debt collection agents.
11. Where any amount in the account is written off as a result of a bankruptcy order being made by a data subject, regardless of whether there is any amount owed in the account repayment data for more than 60 days, the credit reference agency shall have the right to retain the borrower’s account data until the final settlement date of the arrears or for the data subject to provide evidence notifying the credit reference agency that the bankruptcy order has been released for a period of five years, whichever occurs first.
12. Subject to the terms of the Ordinance, the Company reserves the right to charge a reasonable fee for the processing of any data access request.
13. Any request for data access or correction, or information policies and practices or types of data, should be made available to:
SocioBridge Limited
Data Protection Officer
Unit 501, 5/F, Fullerton Centre, 19 Hung To Road, Kwun Tong, Kowloon
Tel: (852) 2603 1233
 
Personal information collection statement:
SocioBridge Limited and subsidiaries (“the Company”, “our”, “us” or “we”) recognizes its responsibilities in relation to the collection, holding, processing, use and/or transfer of personal data under the Personal Data (Privacy) Ordinance (Cap. 486) (“PDPO”). Personal data will be collected only for lawful and relevant purposes and all practicable steps will be taken to ensure that personal data held by the Company is accurate. The Company will take all practicable steps to ensure security of the personal data and to avoid unauthorized or accidental access, erasure or other use.
The term “data subject(s)”, wherever mentioned in this Notice, includes the following categories of individuals:-
• applicants for or customers/users of credit facilities and related financial services and products and so forth provided by the Company and/or their authorized signatories;
• sureties, guarantors and parties providing security, guarantee or any form of support for obligations owed to the Company;
• directors, shareholders, officers and managers of any corporate applicants and data subjects/users;
• users of the Company’s Website, Mobile Application and any other electronic means and procedures as provided or approved by the Company to access to the services of the Company; and
• suppliers, contractors, service providers and other contractual counterparties of the Company.
For the avoidance of doubt, “data subjects” shall not include any incorporated bodies. The contents of this Notice shall apply to all data subjects and form part of the terms and conditions of the Loan Agreement and/or the agreement or arrangement and any contracts for services that the data subjects have or may enter into with the Company from time to time. If there is any inconsistency or discrepancy between this Notice and the Loan Agreement and/or any other relevant service agreement (as the case may be), this Notice shall prevail insofar as it relates to the protection of the data subjects’ personal data and the Loan Agreement and/or such other relevant service agreement (as the case may be) shall prevail in respect of the remaining aspects all of which concerning the use of loan and/or other relevant services. Nothing in this Notice shall limit the rights of the data subjects under the Ordinance.
Part 1: Purpose and Use
As our customer, it is necessary for you to provide us with your personal data occasionally to enable the provision and administering of products and services. Failure to supply such data may result in our being unable to provide or continue to provide these products and services.
The purposes for which data relating to you may be used by us as follows:
1. Considering and processing applications for products and services and the daily operation of products and services;
2. Conducting credit checks whenever appropriate (including upon an application for consumer credit and upon periodic review of the credit);
3. Creating and maintaining the Company’s credit and risk related models;
4. Ensuring your ongoing creditworthiness and good standing;
5. Designing financial products and services for you;
6. Marketing loan services or products of the Company;
7. Determining the amount of indebtedness owed to or by you;
8. Exercising our rights under contracts with you, including collecting amount outstanding;
9. Engaging Debt Collection Agencies to collect debts;
10. Meeting the Company’s obligations, requirements or arrangements or those of our subsidiaries / affiliates, whether compulsory or voluntary, to comply with or in connection with any law, regulation, court order, guidelines and internal policies;
11. Assisting other credit providers in Hong Kong approved for participation in the Multiple Credit Reference Agencies Model (“credit providers”) to conduct credit checks and collect debts.
It is also the case that data are collected from data subjects in the ordinary course of business for the purpose of processing of new or renewal of loan application or services (including reviewing, re-considering, assessing, examining, inspecting, scrutinizing, auditing, analyzing, monitoring complying and ensuring compliance with laws, rules and regulations), or writing cheques, depositing money or effecting transactions, either application in person, through telephone, internet, Mobile Application, VTM (or other means). This includes information obtained from credit reference agencies approved for the participation in the Multiple Credit Reference Agencies Model (“credit reference agencies”) and/or contractors providing electronic identity authentication services.
Part 2: Transfer of Personal Data
Data held by us will be kept confidential but we may provide such data to the following parties (whether inside or outside the Hong Kong Special Administrative Region) for the purposes set out above:
i. Any of our subsidiaries / affiliates for the purposes specified above;
ii. Any agent, contractor or third-party service provider who provides administrative, telecommunications, computer, payment, data processing or storage, or other services to is in connection with the operation of our business;
iii. Any credit reference agencies (including the operator of any centralized database used by credit reference agencies) or, in the event of default, any debt collection agencies;
iv. Any actual or proposed assignee, transferee, participants or sub- participant of our rights or business; and
v. Any person to whom we are under an obligation to make disclosure under the requirements of any law, rules, regulations, code of practice or guidelines binding on us including, without limitation, any applicable regulators, governmental bodies, or industry recognized bodies, and where otherwise required by law.
The information we collect about you will not be disclosed to any other party without your prior consent.
Regarding to data in connection with mortgages applied by the customer, (if applicable, and whether as a borrower, mortgagor or guarantor and whether in the data subject’s sole name or in joint names with others) on or after 1 April 2011, the following data relating to the customer (including but not limited to any updated data of any of the following data from time to time) may be provided by the Company, on its own behalf and/or as agent, to a credit reference agency.
i. full name;
ii. capacity in respect of each loan (as borrower or guarantor, and whether in the data subject’s sole name or in joint names with others);
iii. Hong Kong Identity Card Number or travel document number;
iv. date of birth;
v. correspondence address;
vi. loan account number in respect of each loan;
vii. type of the facility in respect of each loan;
viii. loan account status in respect of each loan (e.g., active, closed, write-off (other than due to a bankruptcy order), write-off due to a bankruptcy order); and
ix. if any, loan account closed date in respect of each loan.
The credit reference agency will use the above data supplied by the Company for the purposes of compiling a count of the number of loan from time to time held by the data subject with credit providers in Hong Kong Special Administrative Region, as borrower or guarantor respectively and whether in the data subject’s sole name or in joint names with others, for sharing in the consumer credit database of the credit reference agency by credit providers (subject to the requirements of the Code of Practice on Consumer Credit Data approved and issued under the Ordinance). The Company may from time to time access such loan count of you held by the credit reference agency in the course of:
i. the consideration of any application for grant of a loan to the data subject;
ii. the review and/or renewal of existing loan(s) granted or to be granted to the data subject;

Part 3: Use and Provision of Personal Data in Direct Marketing
As our valued customer, we are happy to provide you with information regarding our latest products, services and promotions. For this purpose, we may use your personal data in direct marketing which requires your consent. Please note that:
The Company may provide such information to the following parties:
a. the Company’s partners (the Company will from time to time list and/or update the Company’s partner list on the homepage of the Application and/or the Company’s website);
b. any person who has obtained the agreed consent of the Client;
For the following purposes: In this regard, please note:
1. The Client’s name, contact information, including but not limited to: full name in Chinese and English, held by the Company from time to time; Date of birth; residential and/or correspondence address; Phone/mobile phone number; Email address; and other or further information, product and service portfolio information, transaction patterns and behaviour, financial background and demographic data that the Company deems necessary for direct marketing;
2. May be used to promote the following categories of services, products and promotions:
i. reward, loyalty or privilege programmes and related services and products;
ii. products and services of above mentioned companies and person including latest news, offers, promotions, coupons and coupons on loan services, referral services and blockchain technology, technology, real estate, food and beverage industry services, products and programs, and products. The business of the Company’s partners includes finance-related services and products, electronic products, computers and accessories, audio-visual products, clothing and accessories, food and beverage, entertainment, cinemas, shopping mall consumption and promotion, furniture, home appliances and supplies, transportation, retail, fuel, tourism, hotels, education, stationery, health care, toys, watches and jewellery, hair products, beauty and cosmetics, logistics, membership, banking, credit cards, insurance, telecommunications, e-commerce and other consumer products and services; and
iii. Finance-related services, products, events or seminars.

Part 4: Access and Correction of Personal Data
Under and in accordance with the terms of the PDPO, you have the following rights:
• To check whether we hold data relating to you and to access such data;
• To request us to correct any data relating to you which is inaccurate;
• In relation to any account data (including, for the avoidance of doubt, any account repayment data) which has been provided by the Company to a credit reference agency, upon satisfactory termination of the credit by full repayment and on condition that there has been, within 5 years immediately before such termination, no material default under the credit as determined by the Company, to instruct the Company to make a request to the relevant credit reference agency to delete from its database any account data relating to the terminated credit;
• In relation to consumer credit, to request to be informed which items of data are routinely 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
• To ascertain our policies and practices in relation to personal data and to be informed of the kind of personal data held by us.
Requests for access and correction should be addressed in writing to:
Data Protection Officer
SocioBridge Limited,
Unit 501, 5/F, Fullerton Centre, 19 Hung To Road, Kwun Tong, Kowloon
Tel: (852) 2603 1233
In accordance with the Personal Data (Privacy) Ordinance (Cap. 486 of the Laws of Hong Kong), we have the right to charge a reasonable fee for the processing of any data access request.
This statement is subject to Chinese version. In the event of any conflict between the language versions of this statement in the future, the Chinese version shall prevail. (Last updated April 2024)