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Disclaimer
Products and services described herein are not available to all persons in all geographic locations. Only persons who are permitted by applicable law may browse the information and/or accept the services and product offered on this website. Persons accessing these pages are required to ensure that they are aware of and observe all relevant restrictions that apply to them and are responsible for satisfying themselves that they may do so under the laws or the jurisdiction from which access is obtained to this site.
- The information contained on this website is for general information only and is provided on an "as is" basis without warranty of any kind and may be changed at any time without prior notice.
- No information contained in this website should be regarded as an offer to sell, to subscribe to, or provide any recommendation to any browser. Browsers should consult their own professional adviser before making any investment, financial decision or purchasing any product.
- To the extent permitted by applicable law, the Company disclaims liability for any error, omissions or inaccuracies in the information and material provided on this website and for any loss or damages incidental or consequential, resulting from its use or inability to use by any party, or in connection with any error, interruption, delay in operation or incomplete transmission, line or system failure.
- All materials on this website are protected by copyright. No part of the materials may be modified, reproduced, transmitted and distributed in any format for commercial or public use without the Company's prior written consent.
- Use of hyperlinks to other internet sites or resources are at the browser's own risks. The Company expressly disclaims any responsibility for the accuracy or availability of the information provided by those sites or for the safety of information which the browser may provide to any third party.
- The viewer should be aware that any information regarding stock prices presented on this website is on a delayed basis. The Company will endeavour to ensure the accuracy and reliability of the information provided but do not guarantee its accuracy or reliability and accept no liability (whether in tort or contract or otherwise) for any loss or damage arising from any inaccuracies or omissions.
- By using this website, the viewer agrees to be bound by the content of this disclaimer as it may be amended by the Company from time to time and posted on this website.
- The only viewer information currently collected by us records the viewer's domain name server part of the e-mail address and the pages visited. The aggregate information about the number and types of visitors will be used by the Company only for preparing statistics on the use of the website. Some additional information may be gathered through the use of "cookies". Cookies are small bits of information that are automatically stored on a person's web browser in his/her computer that can be retrieved by this site. Should you wish to disable these cookies you may do so by changing the setting on your browser.
- Our duty of confidentiality to our customers is our focus and we do, at all times, observe all the applicable law including Personal Data (Privacy) Ordinance in collecting, maintaining and using the data of our customers. For details, please peruse the Data Policy Notice below.
Data Policy Notice
- This Notice sets out the data policies of Bank of China (Hong Kong) Limited, Nanyang Commercial Bank Limited, Chiyu Banking Corporation Limited and BOC Credit Card (International) Limited (each a "Company") in respect of their respective data subjects (as hereinafter defined). The rights and obligations of each Company under this Notice are several and not joint. No Company shall be liable for any act or omission by another Company.
- The term "data subject(s)", wherever mentioned in this Notice, includes the following categories of individuals:-
- applicants for or customers/users of banking/financial services and facilities provided by a Company and their referees;
- sureties and parties providing security, guarantee or any form of support for obligations owed to a Company;
- directors, shareholders, officers and managers of any corporate applicants and customers/users; 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 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 relevant contract, this Notice shall prevail insofar as it relates to the protection of the data subjects' personal data. Nothing in this Notice shall limit the rights of the data subjects under the Personal Data (Privacy) Ordinance (the "Ordinance").
- From time to time, it is necessary for the data subjects to supply the Company with data in connection with various matters such as the opening or continuation of accounts and the establishment or continuation of banking facilities or provision of banking or other services by the Company, or the provision of supplies or services to the Company.
- Failure to supply such data may result in the Company being unable to open or continue accounts or establish or continue banking facilities or provide banking or other services.
- Data relating to the data subjects are collected or received by the Company from time to time. Such data may include, but not limited to, data collected from data subjects in the ordinary course of the continuation of the relationship between the Company and data subjects, for example, when data subjects write cheques, deposit money, effect transactions through credit cards issued or serviced by the Company or generally communicate verbally or in writing with the Company.
- The purposes for which the data relating to the data subjects may be used will vary depending on the nature of the data subjects' relationship with the Company, they may include (without limitation) the following:-
- assessing the merits and suitability of the data subjects as actual or potential applicants for banking / financial services and facilities and/or processing their applications;
- enabling the Company to ensure the daily operation of the services and credit facilities provided to the data subjects;
- conducting credit checks whenever appropriate (including, without limitation, upon an application for consumer credit and upon periodic review of the credit) and carrying out matching procedures (as defined in the Ordinance);
- creating and maintaining the Company's credit scoring models;
- providing reference;
- assisting other financial institutions to conduct credit checks and collect debts;
- ensuring ongoing credit worthiness of data subjects;
- researching and/or designing financial services or related products for data subjects' use;
- marketing financial services or related products;
- determining amount of indebtedness owed to or by data subjects;
- enforcing data subjects' obligations including without limitation the collection of amounts outstanding from data subjects;
- meeting the requirements to make disclosure under the requirements of any law binding on the Company or any of its branches or under and for the purposes of any guidelines issued by regulatory or other authorities with which the Company or any of its branches are expected to comply;
- enabling an actual or proposed assignee of the Company, or participant or sub-participant of the Company's rights in respect of the data subjects to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation;
- comparing data of data subjects or other persons for credit checking, data verification or otherwise producing or verifying data, whether or not for the purpose of taking adverse action against the data subjects;
- maintaining a credit history or otherwise, a record of data subjects (whether or not there exists any relationship between data subjects and the Company) for present and future reference; and
- purposes incidental, associated or relating thereto.
- Data held by the Company relating to data subjects will be kept confidential but the Company may provide and disclose (as defined in the Ordinance) such data to the following parties for the purposes set out in paragraph 6:
- the Company's holding companies, branches, subsidiaries, representative offices and affiliates, wherever situated;
- the other Companies and their respective holding companies, branches, subsidiaries, representative offices and affiliates, wherever situated;
- any agent, contractor or third party service provider who provides administrative, telecommunications, computer, payment or securities clearing or other services to the Company in connection with the operation of its business;
- any other person under a duty of confidentiality to the Company or who has undertaken to keep such data confidential;
- the drawee bank providing a copy of a paid cheque (which may contain information about the payee) to the drawer;
- any person making payment into a data subject's account;
- any person receiving payment from a data subject, the banker of such person and any intermediary(ies) which may handle or process such payment;
- credit reference agencies, and, in the event of default, to debt collection agencies;
- any financial institution and charge or credit card issuing companies with which the data subjects have or propose to have dealings;
- any other person who has established or proposes to establish any business relationship with the Company or recipient of the data;
- any person to whom the Company is under an obligation to make disclosure under the requirements of any law binding on the Company or any of its branches or under and for the purposes of any guidelines issued by regulatory or other authorities with which the Company or any of its branches are expected to comply;
- any actual or proposed assignee of the Company or participant or sub-participant or transferee of the Company's rights in respect of data subjects; and
- selected parties for the purpose of informing data subjects of services and/or products which the Company reasonably believes will be of interest to the data subjects; notwithstanding that any of such parties' place of business is outside the places where the Company has operations, or that such data following disclosure will be collected, held, processed, used or further disclosed by such parties in whole or part outside the places where the Company has operations in accordance with the applicable local practices, laws, rules and regulations.
- Under and in accordance with the terms of the Ordinance and the Code of Practice on Consumer Credit Data approved and issued under the Ordinance, any data subject has the right:
- to check whether the Company holds data about him and has access to such data;
- to require the Company to correct any data relating to him which is inaccurate;
- to ascertain the Company's policies and practices in relation to data and to be informed of the kind of personal data held by the Company;
- 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
- in relation to consumer credit data which has been provided by the Company to a credit reference agency (except where the consumer credit applied for involves a residential mortgage loan), to instruct the Company upon termination of an account by full repayment to make a request to the credit reference agency to delete such data from its database, as long as the instruction is given within 5 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 in excess of 60 days, the data may be retained by the credit reference agency until the expiry of 5 years from the date of final settlement of the amount in default or 5 years from the date of discharge of the individual's bankruptcy as notified to the credit reference agency whichever is earlier.
- The Company has the right to charge a reasonable fee for the processing of any data access request.
- The Company may have obtained credit report on the data subjects from credit reference agency(ies) in considering any application for credit. In the event that the data subjects wish to access the credit report, the Company will advise them the contact details of the relevant credit reference agency(ies).
- 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 is as follows:
Bank of China (Hong Kong) Limited
The Data Protection Officer
Bank of China (Hong Kong) Limited
13/F, Bank of China Tower
1 Garden Road
Hong Kong
Facsimile: (852) 2899 2613
| Nanyang Commercial Bank Limited
The Data Protection Officer
Nanyang Commercial Bank Limited
151 Des Voeux Road Central
Hong Kong
Facsimile: (852) 2815 3333
| Chiyu Banking Corporation Limited
The Data Protection Officer
Chiyu Banking Corporation Limited
78 Des Voeux Road Central
Hong Kong
Facsimile: (852) 2810 4207
| BOC Credit Card (International) Limited
The Data Protection Officer
BOC Credit Card (International) Limited
13/F, Bank of China Tower
1 Garden Road
Hong Kong
Facsimile: (852) 2899 2613
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- If there is any inconsistency between the English version and the Chinese version of this Notice, the Chinese version shall prevail in relation to any matters arising in the Mainland China exclusive of Hong Kong, the English version shall prevail in relation to any matters arising in Hong Kong and elsewhere.
Copyright, Trade Marks
The Bank and other parties own the trade marks, logos and service marks displayed on this site and users are prohibited from using the same without written permission of the Bank or such other parties.
The materials on this site are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without the Bank's prior written consent.
Statement on Fraudulent Websites
Customers are reminded to be vigilant of any fraudulent websites which seek to pass off as the website of Nanyang Commercial Bank ("NCB") www.ncb.com.hk Unless you are certain that you are connected to NCB's website (www.ncb.com.hk), particulars of your e-banking accounts should not be provided.
Under no circumstances would NCB send out any emails to ask for or verify customers' personal information, including but not limited to account number, personal identification number (PIN), account balance, HKID card number or passport number. You should not access your e-banking account(s) through hyperlinks embedded in emails sent to you from any unknown source. It is always prudent to type in NCB's web address into the browser address bar or have it bookmarked in order to ensure the security of your personal information.
Your enquiries relating to the statements herein can be directed to NCB's customers service (852) 2622 2633 or BOC Credit Card (852) 2853 8828.
Security Information
Individual Customer:
Corporate Customer:
Hyperlink Policy
Hyperlinks from NCB to Websites outside Bank of China (Hong Kong) Limited and its subsidiaries
For your convenience, our website may provide hyperlinks to other websites on the Internet. These hyperlinks lead to websites of third parties who are in no way affiliated with or related to Nanyang Commercial Bank Ltd. ("NCB"). NCB is not responsible for verifying the contents of such third party websites. You use such hyperlinks and third party websites at your own risk and NCB is not responsible for any consequences arising out of or in connection with your doing so. Unless otherwise expressly stated by NCB, the provision of hyperlinks to third party websites does not represent any form of endorsement, recommendation, approval, guarantee or introduction by NCB of any third parties or their products or services, or any form of co-operation between NCB and any third parties. Further, NCB is not a party to any contractual arrangement entered into between you and the provider of a third party website or any third party unless otherwise expressly specified or agreed to by NCB.
NCB may also provide hyperlinks to third party websites which contain downloadable software for your convenience. NCB is in no way responsible for any difficulties you may encounter in downloading or installing such software or for any consequences arising out of or in connection with your doing so. Please note that the use of any software downloaded from the Internet is governed by a license agreement specific to that software. Without any obligation or responsibility on NCB's part, you are reminded to observe the terms of such software license agreement. Your failure to do so may result in an infringement of the intellectual property rights of the relevant software provider.
Please note that when you leave NCB's website, you will be subject to the terms and privacy policies of the websites you are visiting.
Hyperlinks from NCB to Websites of Bank of China (Hong Kong) Limited and its subsidiaries
NCB may provide hyperlinks to websites of Bank of China (Hong Kong) Limited ("BOCHK") and its subsidiaries. The products and services offered on such websites may be limited to persons located or residing in that particular jurisdiction and the contents of such websites may not be intended for persons located or residing in other jurisdictions where the distribution of such contents is restricted. In addition, there may be difference in the terms governing the use of the NCB websites and the websites of BOCHK and its subsidiaries and you are reminded to read the applicable terms carefully before using the websites.
Hyperlinks from External Websites to NCB Websites
Before you create a hyperlink to any NCB website, you must obtain the prior written approval of NCB. NCB may, at its absolute discretion, give or refuse to give such approval. In normal circumstances, NCB may only approve a hyperlink which only displays NCB's name or website address. Except in very exceptional circumstances and possibly subject to the payment of a fee which NCB may in its absolute discretion determine, NCB will not approve any use or display of NCB's logos, trade names, trademarks or whatever that can be reasonably inferred as NCB. Any link to NCB's website must be made directly to the homepage of NCB's website and "framing" or "deep-linking" of NCB's website or content is prohibited. NCB may at its absolute discretion rescind any approval granted and require the removal of any link to NCB websites at any time.
NCB is not responsible for the setup of any hyperlinks from third party websites to any NCB websites or for the accuracy of the contents of such third party websites. By the setup of such links, NCB shall not be deemed to approve or endorse any third party websites or co-operate with any third parties. NCB is not responsible for any consequences arising out of or in connection with such links.
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