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PRIVACY POLICY

OVERVIEW

Please read the following privacy policy and personal information collection statement (the “Policy”) carefully. It contains important information about how CamClaim Limited and our affiliated companies (collectively, “CamClaim, “LookCard, “we, “us” or “our”) collect, use, handle, store, share, transfer, transmit, delete, or otherwise process (collectively, “process”) Personal Data and other information that are collected and received during our operation of LookCard’s website(s) (“Site(s)”) and services (“Services”) and through your use of the Site(s) or Services. Depending on the jurisdiction in which you are a resident, the relevant data privacy laws and regulations of that jurisdiction may apply including the Personal Data (Privacy) Ordinance (Cap. 486 of the Laws of Hong Kong) (“PDPO”).

1. OUR DATA PRIVACY PRINCIPLES

We are committed to protecting your privacy in accordance with applicable laws and regulations. We adhere to industry standards and will use our best endeavours to protect your Personal Data and other information provided by you in our possession or control from unauthorised and/or accidental processing, access, modification, disclosure, destruction, loss or other use by adopting reasonable security measures.

This Policy sets out our data protection standard and measures in relation to providing adequate protection for your Personal Data and your rights concerning the processing of such information. We shall only process your Personal Data and such other information provided by you in accordance with this Policy and any applicable laws and regulations of any relevant jurisdiction.

In the unlikely event of a data breach pertaining to the unauthorised processing of Personal Data or such other information provided by you that is in our possession or control we will duly submit a data breach notification to the relevant authority(ies) if required by relevant and applicable laws and regulations.

2. DATA TYPES AND DATA COLLECTION

We will by lawful means collect, and you will provide, information that is necessary for your use of the Site(s) or Services:

3. USE OF DATA AND INFORMATION

We may and will only process your Personal Data and such other information provided by you, whether within or outside of your jurisdiction, for one or more of the following stated purposes and any other purposes permitted by you or as permitted by applicable laws and regulations:


4. DATA TRANSFER AND DISCLOSURE

We do not rent, sell, transfer, or disclose your Personal Data or such other information provided by you with non-affiliated companies or other parties. Notwithstanding the preceding, under the following circumstances and to the extent permissible under applicable laws and regulations of the relevant jurisdiction(s), we may, with your consent, share your personal data or such other information provided by you:

Notwithstanding and without prejudice to the above, LookCard is equipped with standard encrypted Secure Sockets Layer (SSL) Certificate and your payment card details are not stored by LookCard but instead managed in a Payment Card Industry Data Security Standard (PCI DSS) compliant network.

5. DIRECT MARKETING

With your consent, we may use your name, phone number, email address, mailing address, your preferred language of communication, and your birthday month information (“Marketing Data”) to provide you with marketing information, including information about products, services and events of LookCard, our affiliates, and our third-party business partners which are in the business of financial and technology services, money services and money lending (“LookCard Business Partners”). These products and services include financial services, money services, money lending, and technology services (“Marketing Subjects”). Our affiliates and LookCard Business Partners may also use Marketing Data to provide you with information about their Marketing Subjects. We may receive compensation in sharing your Marketing Data with our affiliates and LookCard Business Partners. You may opt out of direct marketing at any time, and we will stop sending you such information and providing your personal data to our affiliates and LookCard Business Partners, and will notify our affiliates and LookCard Business Partners to whom your personal data has been so provided to stop using your personal data in direct marketing. Please note that the system may take some time to process your request and you may still receive marketing information in the interim.

If your Marketing Data is used in any direct marketing communications, you have the right to request that we provide you with the source of that Marketing Data. There is no fee for requesting this information. We will provide you with the source of personal data unless it is impracticable or unreasonable to do so.

6. COOKIES AND INFORMATION COLLECTED BY THIRD PARTIES

Use of Cookies

We use cookies to collect information when you use our Site(s) or Services. A cookie is a small data file that we transfer to your device or computer’s hard disk for record-keeping purposes in relation to your use of our Site(s) to improve your Site experience. Allowing cookies does not give us or any other site access to the rest of your device or computer. We utilise persistent cookies to save your login information for future logins to the Site(s) and Account. We utilise session ID cookies to gather information in relation to your usage patterns on the Site(s) to enable certain features of the Site(s) and Account to better understand how you interact with the Site(s) and Account and to monitor aggregate usage by you and web traffic routing on the Site(s). Contrary to persistent cookies, session ID cookies are deleted from your device or computer when you log off from the Site(s), Account and Services and then close your browser. Information collected by cookies is separate from and is not linked to your Personal Data.

Third-party Cookies and “Remarketing” or “Retargeting”

Third-party advertisers on the Site(s) and Account may also place or read cookies on your browser in order to provide you with targeted advertising which is more relevant to you and your interests. After you have visited the Site(s) and/or Account, you may see LookCard’s advertisements on certain participating third-party websites.

Furthermore, LookCard uses third party cookies technology, including but not limited to Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses cookies to help LookCard analyse how you use the Site. The information generated by the cookie about your use of the Site(s) (including your IP address) will be transmitted to and stored by Google on its servers. Google will use this information for the purpose of evaluating your use of the Site(s), compiling reports on website activity for website operators and providing other services relating to website activity and Internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google.

Other Information Collected by Third Parties

In your use of our Site(s) and/or Services, third parties may also collect your Personal Data. For example, when you make payments on our Site, you may be directed to the web pages of a third-party payment gateway services provider which will collect your Personal Data.

We, and third parties, may from time to time make software applications downloads available for your use on or through the Services. These applications may separately access, and allow a third party to view, your Personal Data, your computer’s IP address or other information such as any cookies that you may previously have installed or that were installed for you by a third-party software application or website. Additionally, these applications may ask you to provide additional information directly to third parties. Third-party products or services provided through these applications are not owned or controlled by LookCard.

You are encouraged to read the terms and other policies published by such third parties on their websites or otherwise. We have no control over and shall not be responsible for any third party’s processing of your Personal Data.

Cookies Settings

By changing browser settings, you may disable cookies or instruct the browser to prompt you before accepting a cookie. If you accept cookies during your use of the Site(s), Account or Services, you acknowledge that your information is being processed as described above. However, by disabling or not accepting cookies, you may not be able to enjoy full services and features of the Site(s) or all functionality of the Services. If your Marketing Data is used in any direct marketing communications, you have the right to request that we provide you with the source of that Marketing Data. There is no fee for requesting this information. We will provide you with the source of personal data unless it is impracticable or unreasonable to do so.

7. DATA RETENTION

We will retain your Personal Data and any such other information provided by you for as long as is necessary for providing the Site(s) or Services to you subject to any legal, regulatory or accounting requirements, after which it will be erased or destroyed permanently using all practicable steps.

Unless you have expressly opted out of communications and deactivated or terminated your Account and removed payment details therein, you acknowledge that your Personal Data, payment history, username and password may remain in our system including for the purpose of legal compliance. If your Account is not used for more than 5 years, we will keep your Account alive and may retain non-personal information, but we will erase your other Personal Data.

8. RIGHT TO ACCESS AND UPDATE YOUR INFORMATION

You have the right to request information about the nature of your Personal Data that is processed by us or in our possession or control and how your Personal Data collected by us is processed.

You have the right to request access to and correction of your Personal Data in our possession or control and the right to opt out of direct marketing. If any Personal Data that you have provided changed, for example if you change your name, email address, or payment details, please inform us by editing your Account profile page or by sending an email to our data officer at info@lookcard.io. You may ask us, or we may ask you, to correct information that is deemed inaccurate, and you may also ask us to remove information which is inaccurate.

If you would like to make such requests, please send an email to our data officer at info@lookcard.io.

9. GENERAL

By using our Site(s) or Services and by providing or making available your Personal Data and such other information as described above to us, you acknowledge that such provision is fair and reasonable and you consent to the processing, sharing or disclosure of your Personal Data and/or such other information by us for the purposes of providing the Site(s) or Services to you, improving our Site and features, contacting you, conducting research, and such other purposes as stated in this Policy. Your consent means that LookCard will not be held accountable for any data breach not due to its default. You may withdraw your consent by written notice at info@lookcard.io. Please note that it is mandatory to provide certain Personal Data or such other information to us, otherwise you may not be able to register for an Account and continuously and fully use the Site(s) or Service.

By providing your email address associated with your Account, selecting the check box on the registration page or subscribing to our email list via your Account profile page, you consent to us sending emails to you relating to the Services, including transactional and product updates. You may withdraw your consent to receive electronic marketing communications at any time by opting out on your Profile page, emailing us at info@lookcard.io, or following the unsubscribe procedure contained in any electronic communication you receive from us. LookCard reserves the right to send users that have provided an email address updates that are transactional in nature including, but not limited to payment receipts, updates such as administrative messages, password reset notifications, and other Account related information.

10. CHANGES TO OUR PRIVACY POLICY

This Policy may be revised or updated from time to time and you are advised to check this Policy periodically. We will notify you of significant changes to this Policy through direct email to the address associated with your Account, or a notification prominently displayed on our Site. You are advised to check the Privacy Policy periodically and pay attention to its revision. After the publication of the new version of this Privacy Policy, your continued use of our or your continued relationship with us shall be deemed to be acceptance of and consent to this updated Privacy Policy, as amended from time to time.