Use of Information and Materials

All information and materials provided in this Web Site, whether provided by the institution or any other information provider, are not intended to provide professional advice to its users. All investment products and services are not obligations of or guaranteed by our institution and are subject to investment risks.

No Guarantee

All information and materials provided in this Web Site, whether provided by our institution or any other information provider, are provided for general information purposes only and are subject to change without prior notice to its users. While our institution has exercise every effort to ensure the accuracy, no guarantee regarding the accuracy or completeness is given in connection with this information and materials.

Internet Communications

The Customer is aware that the Internet may not be a reliable channel of communication due to unpredictable traffic congestion, the openness and public character of the Internet, and other factors, and that such unreliability is outside of our institution's control. As a result, Transactions may be subject to transmission delays, incorrect data transmission, execution delays or execution of Instructions at prices other than those in effect at the time of the Instruction, miscommunication and errors in any communication between our institution and the Customer, transmission blackouts, interruptions, and other issues.

Limitation of Liability

In no event shall the institution or any of its members be responsible or liable for any loss or damages of any kind, whether direct, indirect, special, incidental, or consequential losses, resulting from access to, use of, or inability to use, this Web Site by any person. Links to other websites are provided for users' interest and convenience. The institution does not check, monitor, or support the information, viewpoints stated, accuracy, or any other link given by these connected web sites, and will not assume any liability or obligation for any linking to any other website within this Web Site.

Copyright

The ownership of all information and materials provided in this Web Site is belonged to our institution or any other information provider and subject to the Copyright. Without the prior written approval by the institution, neither party could copy, reproduce or distribute any of the information or materials provided in this Web Site.

1. Introduction

The ownership of all information and materials provided in this Web Site is belonged to our institution or any other information provider and subject to the Copyright. Without the prior written approval by the institution, neither party could copy, reproduce or distribute any of the information or materials provided in this Web Site.

2. Kinds of Personal Data Held by The Institution

There are two broad categories of personal data held by the Institution. They comprise personal data contained in the following:

• Personal data of customers It is necessary for customers to supply the institution with personal data from time to time in connection with the opening or continuation of accounts and the establishment or continuation of banking facilities or provision of banking services.

•Personal data of employees Employee records, which include but are not limited to the name, contact details, date of birth, nationality, their identity card and / or passport numbers and place and date of issue, application forms, references, appraisal and disciplinary records, remuneration details and educational background

3. Collection of Personal Data

In relation to the collection of personal data, the institution will provide the individuals and employees with a Notice to Customers relating to Customers' Data ("Notice") and Notice relating to the Personal Data (Privacy) Ordinance respectively, informing them the purpose of collection, classes of persons to whom the data may be transferred, their rights to access and correct the data and other relevant information.

When you visit the institution's website or click on our online advertisements, cookies would be stored in your device. "Cookies" is a small-text file retrieved by the site, as part of our interaction with your browser. The institution uses "cookies" to capture the information of your web pages visited, session identifiers and language preferences of login site while no personal information is captured in the cookies. The information gathered by cookies may be used for session management, storing user preferences and tracking of web traffic statistics in which web visitors have visited and are interested in. Most web browsers are initially set up to accept cookies. You can choose to "not accept" by changing the settings on your web browsers. If you disable cookies in your web browsers, you will not be able to login and access some of the site functions. No personally identifiable information will be transferred to third party..

4. Retention of Personal Data

The personal data provided by customers and/or the employees will not be kept longer than necessary for the fulfilment of the purposes for which the personal data are or are to be used at the time of the collection and for compliance with the legal, regulatory and accounting requirements from time to time.

5. Disclosure of Personal Data

With the exception of disclosures made in accordance with the Notice and/or Notice relating to the Personal Data (Privacy) Ordinance in connection with the collection of employee records, personal data would not be made available to third parties unless such disclosure was allowed or mandated by a law that the institution is bound by.

6. Revision of Privacy Policy Statement

This Statement is subject to review and amend from time to time. Please approach the institution and/or visit the institution's website regularly for the institution's latest Statement.

We aim to ensure customer satisfaction in our niche market.