1.  From time to time, it is necessary for you to supply Asia Insurance Company Limited (the "Company") with personal information and particulars in connection with our services and products. Failure to provide the necessary information and particulars may result in the Company being unable to provide or continue to provide these services and products to you. 

2.  The Company may also generate and compile additional personal data using the information and particulars provided by you.  All personal data collected, generated and compiled by the Company about you from time to time is collectively referred to in this PICS as "Your Personal Data". 

3.  "Your Personal Data" will also include personal data relating to your beneficiaries, dependents, authorised representatives and other individuals in relation to which you have provided information.  If you provide personal data on behalf of any person you confirm that you are either their parent or guardian or you have obtained that person's consent to provide that personal data for use by the Company for the purposes set out in this PICS. 

4.  As detailed in this PICS, Your Personal Data may also be processed by the Company's subsidiaries, holding companies, associated or affiliated companies and companies controlled by or under common control with the Company (collectively, "the Group").

Transfer of Personal Data

5.  Your Personal Data will be kept confidential, but to facilitate the purposes set out in paragraph 7 below, the Company may transfer, disclose, grant access to or share Your Personal Data with the following:

(i)    other members of the Group;

(ii)   any person or company carrying on insurance-related and/or reinsurance-related business which is engaged by the Company in connection with the Company's business; 

(iii)  any physicians, hospitals, clinics, medical practitioners, laboratories, technicians, loss adjustors, risk intelligence providers, claims investigators, legal advisors and/or other professional advisors engaged in connection with the Company's business; 

(iv)  any agent, contractor or service provider providing administrative, distribution, credit reference, debt collection, telecommunications, computer, call centre, data processing, payment processing, printing, redemption or other services in connection with the Company's business; and/or

(v)   any official, regulator, ministry, law enforcement agent or other person (whether within or outside Hong Kong) to whom the Company or another member of the Group is under an obligation or otherwise required or expected to make disclosures under the requirements of any law, rules, regulations, codes of practice or guidelines (whether applicable in or outside Hong Kong).

6.   Your Personal Data may be transferred or disclosed to any assignee, transferee, participant or sub-participant of all or any substantial part of the Company's business.

Purpose for Collecting Personal Data

7.  The purposes for which Your Personal Data may be used are as follows: 

(i)    providing our services and products to you, including administering, maintaining, managing and operating such services and products; 

(ii)   processing, assessing and determining any applications or requests made by you in connection with our services or products and maintaining your account with the Company;

(iii)  processing payment instructions;

(iv)  developing insurance and other financial services and products;

(v)   developing and maintaining credit and risk related models;

(vi)  determining any indebtedness owing to or from you, and collecting and recovering any amount owing from you or any person who has provided any security or other undertakings for your liabilities;

(vii) exercising any rights that the Company may have in connection with our services and/or products; 

(viii)carrying out and/or verifying any eligibility, credit, physical, medical, security, underwriting and/or identity checks in connection with our services and products;

(ix)  any purposes in connection with any claims made by or against or otherwise involving you in respect of any of our services or products, including, making, defending, investigating, analysing, processing, assessing, determining, responding to, resolving or settling such claims;

(x)   performing policy reviews and needs analysis (whether or not on a regular basis); 

(xi)  meeting disclosure obligations and other requirements imposed by or for the purposes of any laws, rules, regulations, codes of practice or guidelines (whether applicable in or outside Hong Kong) binding on the Company or any other member of the Group, including making disclosure to any legal, regulatory, governmental, tax, law enforcement or other authorities (including for compliance with sanctions laws, the prevention or detection of money laundering, terrorist financing or other unlawful activities) or to any self-regulatory or industry bodies such as federations or associations of insurers; 

(xii) for statistical or actuarial research undertaken by the Company or any member of the Group; and

(xiii)fulfilling any other purposes directly related to (i) to (xii) above. 

8.     To facilitate the purposes set out in paragraph 7, the Company may transfer, disclose, grant access to or share Your Personal Data with the parties set out in paragraph 5 and you acknowledge that those parties may be based outside Hong Kong and that Your Personal Data may be transferred to places where there may not be in place data protection laws which are substantially similar to, or serve the same purposes as, the Personal Data (Privacy) Ordinance. 

Data Access and Correction Right

9.     Under the Personal Data (Privacy) Ordinance you have the right to request access to Your Personal Data held by the Company and request correction of any of Your Personal Data which is incorrect and the Company has the right to charge you a reasonable fee for processing and complying with your data access request.

10.    Requests for access to or correction of Your Personal Data should be made in writing to the Corporate Data Protection Officer of the Company at the address below. For any questions, please do not hesitate to call our Customer Service Hotline on 3606 9933.

Corporate Data Protection Officer

Asia Insurance Company Limited,

8/F, 118 Connaught Road West,

Sheung Wan, Hong Kong

11.    In case of any discrepancies between the English and Chinese versions of this PICS, the English version shall apply and prevail. 

12.    The Company reserves the right, at any time effective upon notice to you, to add to, change, update or modify this PICS.