個人資料收集聲明Personal Information Collection Statement (“PICS”)
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Purpose: Your personal data is collected by Macau Insurance Company Limited (“the Company”) for the purpose of:
- processing, administering, implementing and effecting the requests indicated in application form or any documents that you may submit to the Company from time to time;
- providing all services related to the application form (and the relevant insurance policy), including (but without limitation) improving such services or related services provided by the Company or its subsidiaries and affiliates;
- transferring to any person (including agent, contractor or third-party service provider) who provides administrative, telecommunication, computer, payment, data processing or other services in connection with the operation of the Company’s business and provision of products and services to you;
- communicating with you in relation to administrative purposes;
- investigating, processing and paying claims made under your insurance policy;
- co-operating with any investigation and complying with the obligations, requirements, or arrangements for disclosing and/or using data imposed by any legal, regulatory, governmental, tax, law enforcement or other authority or regulatory or industry body within and/or outside the Macau SAR ("Macau") (including without limitation, the Personal Information Protection Law of the People's Republic of China ("PIPL") (insofar as the PIPL is applicable to the Company's process and/or use of your data));
- complying with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information within the group companies of Dah Sing Financial Holdings Limited (“DSFH”) (a Hong Kong company and the parent company of the Company) and/or any other use of data and information in accordance with any groupwide programmes for (1) compliance with applicable legal and/or regulatory requirements issued from time to time by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial service providers in Macau; (2) compliance with sanctions; or (3) prevention or detection of money laundering, terrorist financing or other unlawful activities;
- transferring your personal data to Macau Insurers’ Association and/or any federation or similar organization of insurance companies (“Federation”) and/or any members of the Federation to carry out its regulatory functions;
- statistical or actuarial research; and
- other ancillary purposes which are directly or indirectly related to the purposes set out above.
The personal data provided by you will allow the Company to assess your policy application, provide products and services to you, process claims under insurance policies issued by the Company, or process any other requests, enquiries, or complaints from you in compliance with the Personal Data Protection Act of Macau (“PDPA”) and the PIPL (if applicable).
Some of the data collected by the Company may constitute sensitive personal data under the PDPA and/or the PIPL. The Company will only process sensitive personal data if strict protection measures are put in place and there is sufficient necessity to justify the processing. Insofar as the PIPL is applicable to the Company's process and/or use of your personal data, such sensitive personal data will be processed with your separate consent.
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Transfer: Personal data provided by you to the Company will be kept confidential but, it may be transferred to the parties mentioned below, located within the jurisdictions of Macau, Hong Kong, China and the United States, for the aforementioned purposes and insofar as the PIPL is applicable to the Company’s process and/or use of your data, subject to your separate consent:
- any related company(ies), including parents and/or branches and/or subsidiaries and/or affiliates of the Company for compliance with any legal, regulatory, self-regulatory, industry regulatory and/or information sharing needs within or outside Macau;
- any other unrelated company engaging in the business of audit, actuary, credit rating agency, pension fund, insurance, financial services intermediaries or reinsurance or coinsurance;
- financial service intermediaries that are authorized by the Company for the distribution of products and services provided by the Company;
- claims, investigation or other services provider providing services relevant to your insurance policies with the Company;
- relevant industry association and/or Federation that exist or are formed from time to time;
- any legal, regulatory, governmental, tax, law enforcement or other authorities, or regulatory or industry bodies within or outside Macau;
- any third-party in connection with a transfer or a potential transfer of all or part of the business of the Company and some of the transferees may be located within or outside Macau;
- any third party service providers using the Company's Application Programme Interfaces in accordance with your instructions to the Company or third party service providers engaged by you, for the purposes notified to you by the Company or third party service providers and/or as consented by you in accordance with the PDPA and/or the PIPL (if applicable); and
- your insurance agents, intermediaries or referrer.
Insofar as the PIPL is applicable to the Company's process and/or use of your personal data, the Company will, prior to sharing your personal data with third parties, notify you of the name and contact details of the recipients, the purposes and means of processing and provision of your personal data, and the types of personal data to be provided and shared, and obtain your separate consent to the sharing of your personal data. The foregoing data recipients will use the personal data to the extent necessary for the specific purposes set out in this document and store the personal data for the minimum length of time required to fulfil the purposes, or insofar as the PIPL is applicable to the Company's process and/or use of your personal data, in accordance with the PIPL.
If you do not wish the Company to make the above transfer, please "✓" the box below.
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Access and Rectification: You have the right to ascertain whether the Company holds your personal data and what type of personal data the Company holds. We may ask for proof of your identity in such relations. On receipt of such request, we will endeavor to respond to you as soon as possible. You have also the right to request that we amend any personal data which is incorrect or requires updating. Insofar as the PIPL is applicable to the Company's process and/or use of your personal data, you have the right to request the Company to delete your personal data, object to certain uses of your personal data, request an explanation of the rules governing the processing of your personal data, ask the Company to transfer personal data that you have provided to the Company to a third party of your choice under circumstances as provided under the PIPL, withdraw any consent for the collection, processing or transfer of your personal data (you should note that withdrawal of your consent may result in the Company being unable to provide you with insurance, pension and related services) and/or have decisions arising from automated decision making ("ADM") processes explained and refuse to such decisions being made solely by ADM. If you are concerned about the manner in which we have collected and used your data, please contact us and we will do the best to help. Your requests can be made to the Data Protection Officer of the Company at Avenida da Praia Grande No. 594, Edf. BCM, 11/F, Macau. The Company has the right to, within the permission of laws and regulations of Macau, (and insofar as the PIPL is applicable to the Company's process and/or use of your personal data, as permitted under the PIPL) charge a reasonable fee for processing a request to access your personal data.
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Direct Marketing: Apart from the aforementioned purposes, the Company intends to use your personal data in direct marketing and the Company requires your consent (which includes an indication of no objection) for that purpose. In this connection, please note that:
- your name, contact details, products and services portfolio information, transaction pattern and behaviour, financial background and demographic data held by the Company may from time to time be used by the Company in direct marketing;
- the following classes of services, products and subjects may be marketed:
- financial, insurance, pension fund, credit card, banking and related services and products;
- reward, loyalty or privileges programmes and related services and products;
- services and products offered by the Company’s co-branding partners (the names of such co-branding partners can be found in the application form(s) and/or advertising leaflet(s)/poster(s) for the relevant services and products, as the case may be); and
- donations and contributions for charitable and/or non-profit making purposes;
- the above services, products and subjects may be provided or (in the case of donations and contributions) solicited by the Company and/or:
- group companies of DSFH;
- third party financial institutions, insurers, pension fund companies, credit card companies, securities and investment services providers;
- third party reward, loyalty, co-branding or privileges programme providers;
- co-branding partners of the Company and the group companies of DSFH (the names of such co-branding partners can be found in the application form(s) and/or advertising leaflet(s)/poster(s) for the relevant services and products, as the case may be); and
- charitable or non-profit making organisations;
- in addition to marketing the above services, products and subjects by the Company, the Company also intends to provide the data described in paragraph (D)(i) above to all or any of the persons described in paragraph (D)(iii) above for use by them or any of those persons in marketing those services, products and subjects, and the Company requires your consent (which includes an indication of no objection) for that purpose;
- The Company may receive money or other property in return for providing the data to the other persons in paragraph (D)(iv) above and, when requesting your consent or no objection as described in paragraph (D)(iv) above, the Company will inform you if it will receive any money or other property in return for providing the data to the other persons.
If you do not wish the Company to use or provide to other persons your data for their use in direct marketing as described above, you may exercise your opt-out right by notifying the Company. Please "✓" the appropriate box(es) below.
You may, in future, withdraw your consent to the use of your personal data by the Company and/or any third parties in direct marketing. Such request can be made to the Data Protection Officer of the Company at Avenida da Praia Grande No. 594, Edf. BCM, 11/F, Macau and the Company shall cease to use your personal data in direct marketing.
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Amendment of the PICS: To the extent permitted by law, the Company reserves the right to, at any time with or without notice, amend the PICS by publishing such amendments on the website of the Company. However, the Company may (but is not obliged to), in addition to the aforesaid, notify you in writing of such amendments. Should there be any amendment to the PICS, such amendment will become effective with immediate effect.
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Any service/ product provided by the Company is not targeted at customers in the European Union.
In the event of any discrepancy between the Chinese and English versions of this document, the Chinese version shall prevail.
聲明
Declaration
本人/吾等謹此聲明:
I/We hereby declare:
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本人/吾等已細閱並同意受個人資料收集聲明的約束。
I/We have read and agree to be bound by the PICS.
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本人/吾等明白並同意提供申請書上要求的個人資料是必需的，本人/吾等未能提供所需資料可導致貴公司不能處理本人/吾等的申請。
I/We understand and agree that the provision of the personal data requested in the application form is mandatory, and my/our failure to provide all data requested may mean the Company is unable to process my/our application.
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本人/吾等同意如本人/吾等提供予本公司的任何個人資料因任何理由變得不準確、不完整或需要作出更新，本人/吾等須儘快將任何變更通知貴公司。
I/We agree that should any of my/our personal data provided to the Company, for whatever reason, become inaccurate, incomplete, or not up-to-date, I/we shall inform the Company of any such changes at the earliest opportunity.