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隱私政策

隱私政策

Last update on 2020 03 15

(2020 年 1 月 31 日版)

本隱私政策定出 GoBear 企業集團 (以下統稱為「我們」) 按照香港個人資料 (隱私) 條例 （可能不時修訂）收集、使用、管理和保護可識別個人身份的有關資料的方式，不論資料本身即可用以識別，或須結合我們可取得的其他資料(「個人資料」)方可加以識別。在您通過www.gobear.com/hk（「網站」）向我們提交任何個人資料，又或繼續查看或使用我們的網站或我們網站所提供任何服務之前，請先仔細閱讀本隱私政策。請注意，本隱私政策須結合本網站條款和條件一併閱讀，而「」號內的詞語和詞組，除非另有說明或上下文另有要求，否則均按本網站條款和條件的相應內容來解讀。

 

一、 您的資料 (由我們收集)
 

1.     我們深信，我們的服務對搜尋保險、銀行和其他金融產品（「產品」）的人士有莫大幫助。為了讓您對我們的各種產品進行所需的比較，我們有必要收集和使用某些「個人資料」。

2.     雖然您在本網站提交的特定類型個人資料可能因您尋求比較的產品以及您是否在我們網站有帳戶而有所不同，但基本上我們收集的個人資料有八類： 

  1. 名字。  
  2. 身份資料，包括您的國籍、居住國或地區、身份證件圖像和詳細資訊、照片、年齡、出生日期、婚姻狀況、性別和照片。 
  3. 聯繫資料，包括您的住所/郵寄地址、電郵址和/或電話號碼。 
  4. 社交媒體資料，包括您的個人詳情、姓名、個人資料圖片、年齡範圍、帳戶語言。  
  5. 搜索參數資料，因所選擇的產品不同，可能包括您的(或與您相關人士的) ： 
    • 汽車保險需求(駕駛經驗、年齡、地址、汽車出廠年份、車廠、型號)；
    • 旅行保險需求(目的地和旅行時間)；
    • 健康保險需求(您本人、配偶及家屬的身份資料，以及所需的保險類型)； 
    • 信用卡需求(信用卡類型及年收入範圍)；以及
    • 貸款需求(尋求貸款金額、貸款期限、薪金細節、信用報告以及貸款類型)。 
       
  6. 交易資料，包括所選產品的詳細資料、支付方式、交易參考編號、保單編號、保單詳情，以及我們或您所選產品的提供商所要求的任何額外資料(「所選金融服務提供商」)。
  7. 使用情況資料，包括您使用本網站的情況 (例如您登訪本網站的次數和持續時間、搜索過的產品和服務類型，以及您如何搜索該等產品和服務)。  
  8. 技術資料，包括您的互聯網協議 (IP) 位址、互聯網設備身份或您所用設備的媒體讀取控制 (MAC) 位址、您所用設備的製造商、型號或作業系統的資料以及／或您登訪我們網站所用瀏覽器的資料。  

 

3.     您的個人資料：

  1. 是當您在本網站創建帳戶時收集。  我們將收集您的姓名、身份資料、聯繫資料，以及您在創建帳戶時或之後同意向我們提供的所有其他資料。如果您通過您的 Facebook 帳戶到我們網站創建帳戶，我們也將收集您的社交媒體資料。  為了方便您重複搜索和進行所需的比較，我們還將收集您的使用情況資料以及搜索參數資料。
     
  2. 當您通過本網站進行隨機搜索或請求進行隨機價格比較，而您沒有在本網站創建帳戶時。我們將收集您的使用情況資料、搜索參數資料和技術資料。
     
  3. 當您選擇了產品。我們可能會收集您的姓名、身份資料、聯繫資料，以及交易資料——如果您通過本網站進行交易，又或您選擇的金融服務提供商要求您提供額外資料 (若有此等資料) 以方便您購買、申請或向您提供產品和/或驗證您的身份。

 

二、     GOBEAR + 您的資料 = 價格比較
 

1.     為了比較您搜索的產品，我們有必要收集並使用您的搜索參數資料。   

2.     當您在本網站選擇產品，我們可能提供您的名字、身份資料、聯繫資料、搜索參數資料和交易資料給您所選擇的金融服務提供商及其 (行銷) 代表，以便促成您購買、向該金融服務提供商申請或獲得該產品，又或向您寄發與該金融服務提供商提供給您的產品和服務相關的資料和建議。 

3.     我們還收集、使用和分享諸如統計或人口資料等累積資料，用途不限。累積資料可能取自您的個人資料，但在法律上不被視為個人資料，因為該等資料不論以其本身或與我們可得的其他資料同用，都不能識別出您的個人身份。例如，我們可能累積您的使用情況資料來計算瀏覽某特定服務特色的使用者的百分比。然而，如果我們把累積資料與您的個人資料合併或連接，以致不論可由該累積資料本身又或與我們可得的其他資料同用，都能夠識別出您的個人身份，那麼我們便把合併後的資料視作為個人資料，並將根據本隱私政策來使用。

 

三、     便捷為王 

 
1.    我們盡可能使本網站和服務更簡便好用。我們可能會使用您的個人資料作以下用途： 

  1. 改善本網站用戶體驗 (例如為我們的服務提供更多有用的自定內容，包括更相關的搜尋結果)； 
  2. 管理、優化、監察及研究本網站的使用情況、表現及運作，以及透過本網站提供的服務；
  3. 分析和測量；
  4. 修復本網站 (及其軟體) 的問題； 
  5. 研發新服務；
  6. 進行調查、審計，又或預防犯罪和欺詐以及執行風險管理活動；
  7. 履行法律及監管要求；
  8. 履行任何法院命令或政府或監管當局的指示；
  9. 處理由於我們公司提供的任何服務而引起您提出、針對您提出或涉及您的任何索償；
  10. 執行我們的法律權利和義務；以及
  11. 用於我們已取得您同意的任何其他目的。 

2.    經您同意，我們也可能將您的搜索參數資料、使用情況資料和技術資料用於行銷和推廣目的，包括： 

  1. 根據您的興趣或先前的搜尋結果而投放廣告；和
  2. 給您寄發宣傳材料。

 

四、     「同意很關鍵」 

使用本網站和服務完全出於自願，但如果您決定登訪、讀取、使用或獲取我們網站的任何內容或資料，又或通過我們網站而獲取或使用我們提供的任何服務，您：

a.    即等於同意收集和使用您的個人資料；以及
b.    我們提供服務時，可能必須向您所選擇的金融服務提供商或其 (行銷) 代表以及第五節中所提到的各方披露和轉交您的個人資料，而您知道這一做法，

並在此授權我們根據本隱私政策而進行。

 

五、 仍然由您掌握

1.    我們會在特定方同意並/或承諾遵守相關規定，使此等個人資料受到與個人資料 (隱私) 條例規定下同一程度的保護，方才將您的個人資料提供予該特定方。您在此同意上述資料轉移和傳送。 

2.    這種資料轉移和傳送的例子包括：我們跟與我們有業務關係的特定供應商、代理、服務提供商 (可能位於其他地域) 和金融服務提供商或其 (行銷) 代表分享，又或我們用於優化、監控或研究本網站的使用情況、性能和運作，以及我們通過本網站提供的服務，而您在此同意該等資料分享。

3.    我們亦可能與以下各方分享您的個人資料：

  1. 企業集團、我們的母公司、附屬公司、聯營或關聯公司、我們的總部、任何分公司和代表處，不論其位於香港境內或境外。如欲獲取我們的最新位址清單，請點擊這裡www.gobear.com；
  2. 我們的承保公司和顧問，包括（但不限於）顧問、審計員、會計師和律師； 
  3. 我們的權利或業務的任何實際或擬議受讓人、承讓人、參與者或副參與者；
  4. 任何相關的政府或監管部門、法院或執法部門； 
  5. 由於我們公司提供的任何服務而引起您向其提出、針對您提出或涉及您本人的任何索償所相關的任何人士； 
  6. 因本隱私政策所描述的任何目的而需要向其披露資料的任何其他人士；以及
  7. 您同意我們向其披露您的個人資料的任何其他相關方。 

 

六、     仍然由您管理 
 
1.     這是您的個人資料，因此由您控制方為公道。您的權利和權力如下：

    a. 您可撤回同意，不讓我們使用或披露您的個人資料，為此，請聯繫我們；

    b. 您可讀取您由我們持有的個人資料，也可向我們查詢您的個人資料如何使用和披露，為此，請聯繫我們；以及

    c. 您有權更新、修正或更改您的個人資料，途徑是使用「我的帳戶」頁，又或直接聯繫我們：請點擊這裡。


七、     保護是關鍵
 
1.    我們非常重視保護您的個人資料，防止被他人擅自取閱。我們會有合理的保安措施，防止他人擅自查閱、使用、收集、披露或複製您的個人資料。 

2.    我們可能與其分享您的個人資料的有關各方或許位處香港境內或境外，而您的個人資料可能被轉移到香港境外。您的資料也可能不會儲存在香港。有的國家和地區可能沒有類似《個人資料 (隱私) 條例》、或具有相同目的的保障資料法例。因此，您的個人資料在有關國家和地區所受的保護及其程度可能不同於香港。在此情況下，我們仍會採取合理措施，以確保您的個人資料得到妥善儲存及處理，並符合本隱私政策。

3.    然而，您知道互聯網資料傳輸沒有百分百完全。雖然我們會按上文所述作出合理的保安措施，以保護您的個人資料，但我們不能擔保或保證您向我們提供的任何資料 (包括個人資料) 的安全，而您亦須自行承擔風險向我們傳送該等資料 (包括個人資料)。


 
八、     COOKIE 政策
 
(A)     GOBEAR COOKIES 
 
我們的網站就是我們的生意，我們以各種工具盡所能讓本網站更有效率和更好。其中一種工具就是您瀏覽我們網站時我們用的 Cookies 。Cookie 是儲存在您的電腦或移動設備上的小資料檔案 (“Cookie”)。我們使用不同的 Cookies 用於不同的目的： 

  1. 技術 Cookie ：用於向您提供我們的服務，幫助我們網站正常運行，並通過社交媒體平台管理您的帳戶和登入。
  2. 功能 Cookie ： 在您下次登訪我們的網站時為您節省時間。我們將識別您的瀏覽器，並記住您的偏好，諸如搜索產品時所提供的資料、登入您的帳戶時所填寫的資料、語言、您使用的網站版本及任何其他偏好。
  3. 分析、定位和跟蹤 Cookies ： 用於追蹤本網站訪客的網上行為，幫助我們改善網站的運作方式，例如確保訪客輕易找到搜索目標，而我們能繼續為訪客提供相關的內容。我們也使用這些 Cookies 來瞭解您的線上偏好，以進行線上廣告促銷。這使得我們可根據您的線上行為去為您提供量身定制的產品和服務。

(B) 接受還是不接受 COOKIE ？

我們的 Cookies 收集您的個人資料，而您可在瀏覽器設定，登訪我們網站時禁用 Cookies。請注意，禁用 Cookies 可能會導致本網站功能喪失和/或延遲或影響本網站運作和/或使您使用本網站時受到一定限制。

 

第九、     請保持聯繫 
 
1.    如果您在我們這裡創建了一個帳戶，或通過 Facebook 註冊，又或如果您沒有創建帳戶，但您提交了您的電郵址，我們便可發送給您：新聞更新、帳戶資料更新以及網站的其他公告。 

2.    如果您想收到更多我們的資訊，即可選擇接收，其中包括我們認為您感興趣的資訊和內容，包括我們有針對性的廣告和行銷資訊。 

3.    若果不想再收到有關額外郵件，您可選擇取消訂閱，只需按照您收到相關電郵的指示，或通過您的帳戶作出設定。


十、     如何聯絡我們

您如對本隱私政策有任何疑問，請把問題發送給我們網站的資料保護主任 （Data Protection Officer） ：[email protected]. 

 

(English version 31 January 2020)

 

This Privacy Policy sets out the manner in which the GoBear group of companies  (collectively “we”) collect, use, manage and protect the data that is capable of identifying you as an individual whether on its own or in conjunction with other data accessible by us (“Personal Data”) in compliance with the Personal Data (Privacy) Ordinance of Hong Kong, as may be amended from time to time. Before you submit any Personal Data to us through www.gobear.com/hk (“Website”) or continue to view or use our Website or any services rendered by us through our Website, please read this Privacy Policy carefully. Please note that this Privacy Policy should be read in conjunction with the Terms and Conditions of the use of our Website and capitalised words and expressions shall, unless otherwise specified or the context otherwise requires, have the corresponding meaning assigned to them in the Terms and Conditions of the use of our Website.

 

I. YOUR DATA (THAT WE COLLECT)

 

1. We believe we provide a great service aimed at making your life easier when you search for insurance, banking and other financial products (“products”). In order for you to us to make the desired comparisons between the various products, it is, however, necessary for us to collect and use certain Personal Data.

 

2. While the specific types of Personal Data you submit through our Website may vary depending on the product you require a comparison for and whether you maintain an account with us, there are 8 broad categories of Personal Data which are collected by us:

  1. Name. 
  2. Identity Data, which includes your nationality, country of residence, identification document image and details, photos, age, date of birth, marital status, gender and photos. 
  3. Contact Data, which includes your home/mailing address, email address and/or telephone number. 
  4. Social Media Data, which includes your profile details, name, profile picture, age range, account language.  
  5. Search Parameter Data, which, depending on the type of product you select, may include your (or the persons’ related to you):
    • car insurance requirements (driving experience, age, address and car’s year of manufacture, make, and model);
    • travel insurance requirements (destination and period of travel);
    • health insurance requirements (Identity Data of yourself, spouse and dependents, and type of insurance required); 
    • credit card requirements (type of credit card and annual income range); and
    • loan requirements (desired loan amount, desired loan period, salary details, credit report and type of loan). 
  6. Transactional Data, which includes details of the chosen product, payment method, transaction reference number, policy number, policy details as well as any extra information required by us or your provider of your selected product (“Selected Financial Services Provider”).
  7. Usage Data, which includes information about how you use our Website (such as the number of times and duration you visit our Website, the types of products and services searched for and how you search for the products and services).  
  8. Technical Data, which includes your Internet Protocol (IP) address, the internet device identity or media access control (MAC) address of your device, information regarding the manufacturer, model or operating system of the device that you use and/or information about the web browser that you use to access our Website.  

 

3. We collect your Personal Data:

  1. When you create an account through our Website. We will collect your Name, Identity Data, Contact Data and all other information you agree to provide us at the time of creating your account or subsequently. If you create an account with us through your Facebook account, we will also collect your Social Media Data. In order for you to easily repeat your searches and desired comparisons we will also collect your Usage Data and Search Parameter Data.
  2. When you perform an ad-hoc search or request for an ad-hoc price comparison through our Website without creating an account with us. We will collect your Usage Data, Search Parameter Data and Technical Data. 
  3. When you have selected a product. We may collect your Name, Identity Data, Contact Data and also Transactional Data if you transact through the Website or in cases where your Selected Financial Services Provider requires extra information from you (if any) to facilitate the purchase, application or provision of the product and/or to verify your identity.

 

II. GOBEAR + YOUR DATA = PRICE COMPARISON

 

1.  For the purpose of making the product comparison that you are searching for, it is necessary for us to collect and use your Search Parameter Data.   

 

2.  When you select a product our Website, we may provide your Name, Identity Data, Contact Data, Search Parameter Data and Transactional Data to the Selected Financial Services Provider and their (marketing) representatives for the purposes of: facilitating your purchase, application or the provision of the product from the Selected Financial Services Provider or sending you relevant information and recommendations about the products and services offered by the Selected Financial Services Provider. 

 

3.  We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data may be derived from your personal data but is not considered Personal Data in law as this data does not identify you as an individual, whether on its own or in conjunction with other data accessible by us. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific service feature. However, if we combine or connect Aggregated Data with your Personal Data so that it can identify you as an individual, whether on its own or in conjunction with other data accessible by us, we treat the combined data as personal data which will be used in accordance with this Privacy Policy.

 

III. CONVENIENCE IS KING

 

1. We try to make the use of our Website and services as easy and convenient as possible. We may use your Personal Data: 

  1. to improve the user-experience of our Website (such as to help our services deliver more useful, customized content, including more relevant search results); 
  2. to manage, optimize, monitor and research the usage, performance and operation of our Website and the services provided through our Website;
  3. to conduct analytics and measurements;
  4. to fix problems with our Website (and its software); 
  5. to develop new services;
  6. to conduct investigations, audits, or carry out crime and fraud prevention and risk management activities;
  7. to comply with legal and regulatory requirements;
  8. to comply with any court orders or directions from government or regulatory authorities;
  9. in connection with any claims made by, against or otherwise involving you in respect of any services provided by us;
  10. enforcement of our legal rights and obligations; and
  11. for any other purpose for which we have obtained your consent. 

 

2. With your consent, we may also use your Search Parameter Data, Usage Data and Technical Data for marketing and promotional purposes, including: 

  1. delivering advertisements based on your interests or previous searches that you have performed; and
  2. sending you promotional materials.

 

IV. CONSENT IS CRUCIAL

 

The use of our Website and our services is entirely voluntary but if you decide to visit, access, use or obtain any content or data from our Website or by obtaining or using any of the services rendered by us through our Website, you:

 

  1. consent to the collection and use of your Personal Data; and
  2. in order to provide our services, we may be required to disclose and forward your Personal Data to the Selected Financial Services Provider or their (marketing) representatives and the parties mentioned in Section V, for which you understand and hereby authorize us to do so,

 

in accordance with this Privacy Policy.

 

V. IT’S STILL YOUR KINGDOM

 

1. We will not provide your Personal Data to any party unless such party agrees and/or undertakes to be bound by provisions that subject the Personal Data to a level of protection that is comparable to what is required under the Personal Data (Privacy) Ordinance. You hereby agree to such transfer and transmission. 

 

2. Examples of such transfer/transmission include sharing your Personal Data with certain suppliers, agents, service providers (who may be located in other territories) and Financial Services Providers or their (marketing) representatives whom we have a business relationship with or that we use for optimizing, monitoring or researching the usage, performance and operation of our Website as well as the services we provide through our Website, and you hereby agree to such sharing.

 

3. We may also share your Personal Data with the following parties:

  1. the GoBear group of companies, our parent company, subsidiaries, associated or affiliated companies, our head office and any branches and representative offices, whether located within or outside of Hong Kong. For the latest list of our locations, please click here www.gobear.com;
  2. our insurers and advisors, including without limitation consultants, auditors, accountants and lawyers; 
  3. any actual or proposed assignee, transferee, participant or sub-participant of our rights or business;
  4. any relevant governmental or regulatory authorities, courts or law enforcement agencies; 
  5. any person in connection with any claims made by or against or otherwise involving you in respect of any services provided by us; 
  6. any other person to whom disclosure is necessary for any of the purposes described in this Privacy Policy; and
  7. any other party to whom you have consented for us to disclose your Personal Data. 

 

VI. MANAGE YOUR KINGDOM

 

1.  Since it is your Personal Data it is only fair that you have control of what happens to it. These are your rights and powers:

  1. a. You are entitled to withdraw your consent to any use or disclosure of your Personal Data by contacting us here;
  2. b. You have access to the Personal Data we hold and you can ask us about the ways in which your Personal Data is used or disclosed by contacting us here; and
  3. c. You have the right to update, rectify or make corrections to your Personal Data using the ‘my account’ page or by contacting us directly here.

 

VII. PROTECTION IS KEY

 

 

1. We take the protection of your Personal Data from unauthorised access by others seriously. We shall make reasonable security arrangements to prevent the unauthorised access, use, collection, disclosure or copying of your Personal Data. 

 

2. The parties to whom we may share your Personal Data may be situated within or outside Hong Kong and your Personal Data may be transferred outside Hong Kong. We may also store your data outside Hong Kong. In some of these countries, 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. That means your Personal Data may not be protected to the same or similar level as in Hong Kong. In such cases, we will nevertheless make reasonable measures to ensure that your Personal Data is stored and processed securely and in accordance with this Privacy Policy.

 

3. However, you acknowledge that no data transmission over the internet is completely secure. While we will have in place reasonable security arrangements to protect your Personal Data as outlined above, we cannot guarantee or warrant the security of any data, including Personal Data, that you provide to us and you transmit such data, including Personal Data, to us at your own risk.

 

VIII. COOKIE POLICY

 

(A) GOBEAR COOKIES 

 

Our Website is our business and we use all kind of tools to operate it as efficiently and optimally as possible. One of the ways we do that is by using cookies when you browse our Website. A cookie is a small data file that is stored on your computer or on your mobile device (“Cookie” or “Cookies”). There are different kinds of Cookies that we use for different kinds of purposes: 

 

  1. Technical Cookies: are necessary to provide you with our services, help our Website function properly and to manage your account and login through social media platforms.
  2. Functional Cookies: are aimed to make your next visit to our Website less time-consuming. We will recognise your browser and remember your preferences such as data provided for product searches, login information to your account, language, the version of the Website you use and any other preferences.
  3. Analytical, Targeting and Tracking Cookies: are used to track the online behaviour of our visitors and allow us to help improve the way our Website works, for example, by ensuring that our visitors easily find what they are looking for and that we can continue to provide our visitors with relevant content. We also use these Cookies to understand your online preferences for online advertisement purposes. This allows us to present you with tailor made offers based on your online behaviour.

 

(B) TO COOKIE OR NOT TO COOKIE

 

In so far as your Personal Data is being collected by our Cookies, you have the personal option to disable the use of such Cookies in your browser settings when accessing our Website. Please note that disabling such Cookies may however result in loss of functionality of our Website and/or delay or affect the way our Website operates and/or (partially) restrict your use of the Website.

 

IX. WE’D LIKE TO STAY IN TOUCH

 

1. If you create an account with us, sign-up through Facebook, or if you don’t create an account but you do submit your email address we can send you: news updates, account information updates and other Website announcements. 

 

2. If you want to hear more from us you can opt to receive more information which will include messages and content we think would be interesting for you including targeted advertisements and marketing messages from us. 

 

3. As soon as you’re no longer interested in these extra mailings, you can choose to unsubscribe from our mailing list by following the instructions in the email you received or through the settings in your account.

 

X. HOW TO CONTACT US

 

If you have any questions about this Privacy Policy, you can direct your question to our Data Protection Officer at [email protected].