This policy statement is made in accordance with the rules and regulations set in the Personal Data (Privacy) Ordinance (Cap. 486) of HKSAR.

Privacy Policy Statement

We pledge to comply with the obligations and requirements of the Personal Data (Privacy) Ordinance (the “Ordinance”). Our staff shall respect the confidentiality of all personal data collected and/or stored and/or used and/or handled by our Company and endeavor to protect all the personal data of customers.

Personal Data Collection and Use

For the purpose of provision of mortgage referral service by our Company and arrange free property valuation, mortgage pre-approval and express mortgage service for the customers, personal data of the customers will be collected upon:

a. signing a mortgage referral form;
b. filling in the online mortgage referral application form of our Company;
c. contacting our Company for enquiry;
d. participating in marketing and promotion activities, competitions, prize lucky draws launch by our Company.

Failure to supply such personal data may result in our Company being unable to provide mortgage referral service. Consent will be obtained from data subjects for the use of personal data for a new purpose other than Mortgage Referral and relevant services.

Types of Personal Data

The Personal Data which may be collected and held by our Company from time to time include but not limited to the following:

a. the name of customers (both Chinese and English);
b. a copy of customer’s identity card or passport, visa types and numbers for identity verification:
c. telephone number, email and/or correspondence address;
d. mortgage property address;
e. completion date of mortgage property (applicable to new mortgage);
f. other information of mortgage property, includes transaction price, area, age of property, LTV ratio, loan tenor, category of property market and type of loan.

Retention of Personal Data

Subject to any legal, statutory, regulatory or taxation requirements, the
Personal Data you provided to us shall be kept i n the appropriate for m only for
as long as is necessary to fulfill the purposes as mentioned above.

Security of Personal Data

Our electronic security system is designed on the account of the Ordinance’s requirements and all personal information of customers will be maintained securely in our system.

All personal data of customers will be restricted for access by our staff who need to contact and/or provide service to the customers or in reasonable needs.

Use of Personal Data

We may use and analyze the data of customers for the following purposes including but not limited to:

a. verifying the identity of customers and mortgage property address;
b. handling the mortgage referral application by the customers;
c. providing and following up the services for customers;
d. keeping record for reference;
e. marketing and promoting of any of our services;
f. assisting our Company to prevent fraud and crime;
g. contacting the customers whenever necessary;
h. disclosure as permitted or required by law.

Disclosure and Distribution of Personal Data

All personal data held by our Company will be kept confidential but we may disclose the data of customers to the following parties:

a. affiliates, subsidiaries or associated companies of Ricacorp Properties Limited and Centaline Group;
b. banks or financial institutions;
c. other services providers;
d. law-enforcement organizations, government departments, courts, and/or other regulatory institutions;
e. professional consultants (including lawyers and auditors)

Access and Correction of Personal Data

a. In accordance with the Ordinance and save from the exemptions specified in the Ordinance, customers have the right to:

  • check whether we keep any personal data of you and request for a copy of the data;
  • require our Company to correct any inaccurate personal data of you;
  • access our policies and practices regarding personal data and be informed of the kinds of personal data held by our Company.

b. In accordance with the terms of the Ordinance, we have the right to charge a reasonable fee for processing of data access request;
c. You are advised to ascertain our policies and practices in relation to your personal data, which are those policies and practices set out herein. If you would like to exercise any of your rights or obtain a copy of any of your personal data, or if you believe that any of your personal data which we collect and maintain is inaccurate or would like to request for information regarding our policies and practices and the kinds of personal data held by us . You may be required to provide personal information for the verification of your identity. Please contact us by post to the following address or by fax:

The Data Protection Officer
Ricacorp Mortgage Agency Limited
Room 1805, 18/F, Olympia plaza, 255 King’s Road, North Point. Hong Kong
Fax: 2117 1795

Direct Marketing

If we intend to use your personal data (including your name and contact details) collected from you for direct marketing of estate agency service and/or providing service information of Ricacorp, we shall not so to use your personal data without your consent.

If we intend to provide your Personal Data (including your name and contact details) collected from you to third parties for their use in direct marketing, we shall first obtain your written consent (or an indication of no objection) before doing so.

If you do not wish to receive direct marketing promotional information from us with respect to the estate agency and/or other categories of services mentioned above, or do not wish us to disclose, transfer or use your personal data for the aforesaid direct marketing purposes, please contact our Customer Service Hotline 3103 5656 or by post to the above address or by fax: 2117 1795 or by email to mortgage@ricacorp.com.

This Privacy Policy Statement may revise from time to time, all the changes will be published in our website www.ricamortgage.com/en-hk/ .