Privacy Policy

Personal Information Collection Statement · Last updated: October 2026

High Credit Limited ("we", "us") is a money lender licensed under the Money Lenders Ordinance (Cap. 163), Licence No. 0746/2025. We respect your privacy and handle personal data in accordance with the Personal Data (Privacy) Ordinance (Cap. 486) of Hong Kong ("PDPO"). This policy explains what personal data we collect, why we collect it, and your rights.

1. Personal data we collect

• Details you give us in the enquiry form or by email: your name, company name, email address, phone number, the type and amount of finance you are interested in, and any other information you choose to include.
• If you apply for a loan: identity and contact details of directors, shareholders and guarantors, company registration documents, financial statements, bank statements and trade documents.
• Basic technical information that our website host processes automatically when you visit (such as IP address, browser type and pages viewed), used for security and to keep the site running.

2. Why we collect it

• To respond to your enquiry and communicate with you.
• To assess loan applications, including credit checks, identity verification and "know your customer" checks.
• To prepare, manage and administer loan agreements, and to collect amounts due.
• To comply with legal and regulatory requirements, including the Money Lenders Ordinance and anti-money laundering laws.
• To protect the security of our website and systems.

Providing personal data is voluntary. However, if you do not provide the information we ask for, we may not be able to respond to your enquiry or process your application.

3. Direct marketing

We will not use your personal data for direct marketing, or provide it to anyone else for direct marketing, unless we have first obtained your consent as required by the PDPO. You may withdraw consent at any time by emailing us.

4. Who we may share it with

We keep your personal data confidential. Where needed for the purposes above, we may transfer it to:

• credit reference agencies, and, in the event of default, debt collection agencies;
• our professional advisers, such as lawyers, auditors and accountants;
• service providers who support our business (for example IT, email and website hosting providers), who are required to keep it confidential;
• any person to whom we are required to disclose it by law, regulation or court order, including government and regulatory authorities.

Some of our service providers may store data on servers outside Hong Kong. We take reasonable steps to make sure your data is protected to a standard comparable to the PDPO.

We do not sell your personal data.

5. How long we keep it

We keep personal data only for as long as necessary for the purposes for which it was collected, and to meet our legal and record-keeping obligations. Enquiry details that do not lead to an application are deleted when no longer needed.

6. Security

We use reasonable technical and organisational measures to protect personal data against unauthorised or accidental access, processing, erasure, loss or use. Our website is served over encrypted HTTPS connections.

7. Cookies and browser storage

Our website does not use advertising or tracking cookies. It stores your language choice (English or Chinese) in your own browser so the site remembers it on your next visit. The site loads fonts from Google Fonts, which may receive your IP address in order to deliver them.

8. Your rights

Under the PDPO you have the right to:

• check whether we hold personal data about you, and request a copy of it;
• ask us to correct any personal data about you that is inaccurate;
• find out our policies and practices on personal data and the kinds of personal data we hold.

We may charge a reasonable fee for processing a data access request, as allowed by the PDPO.

9. Contact us

Requests for access to or correction of personal data, or questions about this policy, should be sent to:

Data Protection Officer, High Credit Limited
T068, 3/F, The Capital, Retail Area of Park Hotel, 61–65 Chatham Road South, Tsim Sha Tsui, Kowloon, Hong Kong
Email: info@highcredithk.com

10. Changes to this policy

We may update this policy from time to time. The latest version will always be posted on this page. If there is any inconsistency between the English and Chinese versions, the English version shall prevail.

私隱政策

收集個人資料聲明 · 最後更新：2026年10月

高信信貸有限公司（「本公司」或「我們」）為根據《放債人條例》（第163章）持牌的放債人，牌照號碼 0746/2025。我們尊重您的私隱，並按照香港《個人資料（私隱）條例》（第486章）（「私隱條例」）處理個人資料。本政策說明我們收集哪些個人資料、收集的目的，以及您享有的權利。

1. 我們收集的個人資料

• 您透過查詢表格或電郵提供的資料：姓名、公司名稱、電郵地址、電話號碼、有意申請的融資類別及金額，以及您選擇提供的其他資料。
• 如您申請貸款：董事、股東及擔保人的身份及聯絡資料、公司註冊文件、財務報表、銀行月結單及貿易單據。
• 您瀏覽本網站時，網站寄存服務商自動處理的基本技術資料（例如 IP 地址、瀏覽器類型及瀏覽頁面），用於保安及維持網站運作。

2. 收集目的

• 回覆您的查詢及與您聯絡。
• 評估貸款申請，包括信貸審查、身份核實及「認識你的客戶」審查。
• 擬備、管理及執行貸款協議，以及追收到期款項。
• 遵守法律及監管要求，包括《放債人條例》及打擊洗錢法例。
• 保障本網站及系統的安全。

提供個人資料屬自願性質。但如您未能提供我們要求的資料，我們可能無法回覆您的查詢或處理您的申請。

3. 直接促銷

除非已按私隱條例的規定取得您的同意，否則我們不會使用您的個人資料作直接促銷，亦不會將其提供予他人作直接促銷。您可隨時電郵通知我們撤回同意。

4. 資料轉移對象

我們會將您的個人資料保密。在上述目的有需要時，我們可能將資料轉移予：

• 信貸資料服務機構，以及在拖欠還款的情況下，收數公司；
• 本公司的專業顧問，例如律師、核數師及會計師；
• 為本公司提供支援服務的服務商（例如資訊科技、電郵及網站寄存服務商），彼等須對資料保密；
• 根據法律、規例或法庭命令要求我們披露資料的任何人士，包括政府及監管機構。

部分服務商可能將資料儲存於香港以外的伺服器。我們會採取合理步驟，確保您的資料獲得與私隱條例相若的保障。

我們不會出售您的個人資料。

5. 保留期限

我們只會在達致收集目的及履行法律與紀錄保存責任所需的期間內保留個人資料。未有進一步申請的查詢資料，在不再需要時會被刪除。

6. 資料保安

我們採取合理的技術及管理措施，保障個人資料不會未經授權或意外地被查閱、處理、刪除、喪失或使用。本網站透過加密的 HTTPS 連線提供。

7. Cookies 及瀏覽器儲存

本網站不使用廣告或追蹤 Cookies。網站只會在您的瀏覽器內記錄您所選的語言（英文或中文），以便下次瀏覽時沿用。本網站使用 Google Fonts 字型，Google 可能因提供字型而接收您的 IP 地址。

8. 您的權利

根據私隱條例，您有權：

• 查核我們是否持有您的個人資料，並要求取得該等資料的複本；
• 要求我們更正任何不準確的個人資料；
• 查詢我們在個人資料方面的政策及實務，以及我們持有的個人資料種類。

我們可按私隱條例的規定，就處理查閱資料要求收取合理費用。

9. 聯絡我們

如要求查閱或更正個人資料，或對本政策有任何疑問，請聯絡：

高信信貸有限公司 資料保障主任
香港九龍尖沙咀漆咸道南61–65號 Park Hotel 商場 The Capital 3樓 T068室
電郵：info@highcredithk.com

10. 政策更新

我們可能不時更新本政策，最新版本會刊登於本頁。如中英文版本有任何歧異，概以英文版本為準。