Finance

Our business is built on trust between our customers and ourselves. To preserve the confidentiality of all information you provide to us, we maintain the following privacy principles:
1.	We only collect personal information that we believe to be relevant and required to understand your financial needs and to conduct our business.
2.	We use your personal information to provide you with better customer services and products.
3.	We may pass your personal information to other Essential Group companies or affiliates, as permitted by law.
4.	We will not disclose your personal information to any external organisation unless we have your consent or are required by law.
5.	We may be required from time to time to disclose your personal information to Governmental or judicial bodies or agencies and to our regulators, the Securities and Futures Commission and the Hong Kong Confederation of Insurance Brokers.
6.	We aim to keep your personal information on our records accurate and up-to-date.
7.	We maintain strict security systems designed to prevent unauthorised access to your personal information.
8.	All Essential Group staff are specifically required to observe our confidentiality obligations.
Your Privacy Matters to Us This section provides specific details of how we treat any personal information you might wish to provide us when you visit this site. Data Security Security is a main priority. The Essential Finance group of companies (“Essential Group”) will use reasonable endeavours at all times to ensure that your personal data will be protected against unauthorised or accidental access, processing or erasure. We maintain this commitment to data security by implementing appropriate physical, electronic and managerial measures to safeguard and secure your personal data. The secure area of our website supports the use of 128-bit Secure Socket Layer (SSL) encryption technology - an industry standard for encryption over the Internet to protect data. When you provide sensitive information, it will be automatically converted into codes before being securely dispatched over the Internet. Our web servers are protected behind "firewalls" and our systems are monitored to prevent any unauthorised access. We will not send personal information to you by ordinary email. As the security of ordinary email cannot be guaranteed, you should only send confidential email to us using the secure email facility on our website. All practical steps will be taken to ensure that personal data will not be kept longer than necessary and that Essential Group will comply with all statutory and regulatory requirements in the Hong Kong Special Administrative Region concerning the retention of personally identifiable information. Security Assurance You should safeguard your unique User ID and password by keeping it secret and confidential. Never write them down or share these details with anyone. Essential Group will never ask you for your password, in order to ensure that you are the only person who knows this information. When choosing your unique User ID and password for the first time, do not create it using easily identifiable information such as your birthday, telephone number or a recognisable part of your name. If you think your User ID and/or password has been disclosed to a third party, is lost or stolen and unauthorised transactions may have been conducted, you must inform us immediately. Collection of Personal Information Use of Cookies, Spotlight Tags and Web Beacons Your visit to this site may be recorded for analysis on the number of visitors to the site and general usage patterns. Some of this information will be gathered through the use of "cookies". Cookies are small bits of information that are automatically stored on a person's web browser in their computer that can be retrieved by this site. Cookies can make the site more useful by storing information about your preferences on particular sites, thus enabling website owners to provide more useful features for their users. The information collected by "cookies" is anonymous aggregated research data, and contains no name or address information or any information that will enable anyone to contact you via telephone, e-mail or any other means. Most browsers are initially set to accept cookies. If you would prefer, you can set your browser to disable cookies or inform you when they are set. However, by disabling them, you may not be able to take full advantage of our website. Essential Group may also work with third parties (such as Google and Yahoo!) to research certain usage and activities on parts of our web site on our behalf. Google and Yahoo! include user demographics and behaviour and usage patterns for more accurate reporting and to improve the effectiveness of our marketing. Information recorded through the use of these devices is aggregated and then shared with us. No personally identifiable information about you is collected or shared by Google and Yahoo! with Essential Group as a result of this research. Should you wish to disable the cookies associated with these spotlight tags and/or web beacons, you may do so by changing the setting on your browser. However, you may not be able to enter certain part(s) of our website.
To find out more about the use of cookies and the information-gathering practices and opt-out procedures of Yahoo! and/or Google, please visit Yahoo!'s website at: http://privacy.yahoo.com/privacy/us/pixels/details.html and/or Google’s website at www.google.com.
Marketing Promotions Occasionally we may collect personal information from visitors to this site and those individuals that participate in a contest or promotion (online or over the telephone, or at one of our branches). Such information is only collected from individuals who voluntarily provide us with their personal information. We may use this information to advise them of products, services and other marketing materials, which we think, may be of interest to them. We may also invite visitors to this site to participate in market research and surveys and other similar activities. You can choose to receive marketing and other promotional materials by email. If you do receive email or promotional direct mailings, you will always have an opportunity to opt-out. If at any time you would like us to desist from sending you direct mailings, please contact our us at (852) 2893 3200. We will then, at no cost to you, act on your request within 30 days and ensure that you are not included in future direct marketing promotions. If we do ask you to provide personal information, we will always specify the purpose for which such personal information is collected and ensure that it is only used for the purpose specified at the time of collection. Notice to Customers Relating to the Personal Data (Privacy) Ordinance This Statement is made by Essential Group in accordance with the Personal Data (Privacy) Ordinance of the Hong Kong Special Administrative Region, Chapter 486 Laws of Hong Kong ('the Ordinance'). The Statement notifies you why your personal data are collected, how they will be used and to whom data access requests are to be addressed.
1.	From time to time, we collect your personal information to carry out and administer our services to you and in an effort to improve your customer experience.
2.	Without such data Essential Group may be unable to provide you with its services.
3.	Data relating to a customer may be used to:
	i.	facilitate the daily operation of Essential Group’s services;
	ii.	design financial services or related products for customers' use;
	iii.	market financial services or related products;
	iv.	meet the disclosure requirements of any law binding Essential Group;
4.	Information held by Essential Group relating to a customer will be kept confidential but Essential Group may provide such information to the following parties (whether within or outside the Hong Kong Special Administrative Region) for the purposes set out in paragraph (d):
	i.	any agent, contractor or third party service provider who provides administrative, telecommunications, computer or other services to Essential Group in connection with the operation of its business;
	ii.	any other person under a duty of confidentiality to Essential Group;
	iii.	any person to whom Essential Group is under an obligation to make disclosure under the requirements of any law binding on Essential Group, and
	iv.	any actual or proposed assignee of Essential Group or participant or sub-participant or transferee of Essential Group's rights.
5.	Under the terms of the Ordinance and the Code of Practice on Consumer Credit Data approved and issued under the Ordinance, any individual has the right:
	i.	to check whether Essential Group holds data about them and of access to such data;
	ii.	to require Essential Group to correct any data relating to them which is inaccurate;
	iii.	to ascertain Essential Group’s policies and practices in relation to data and to be informed of the kind of personal data held by Essential Group;
6.	In accordance with the terms of the Ordinance, Essential Group has the right to charge a reasonable fee for the processing of any data access request.
7.	Nothing in this Statement shall limit the rights of customers under the Personal Data (Privacy) Ordinance.

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