Privacy Policy & Personal Information Collection Statement

Fidelidade Macau – Insurance Company Limited and Fidelidade Macau Life – Insurance Company Limited (hereafter referred to as “the Companies”), being providers of insurance products and services, are required to collect and use the personal information of our customers to perform the relative business operations. The Companies are committed to comply with the requirements of Personal Data Protection Act of Macau and strictly protect your personal data in accordance with this Personal Information Collection Statement (“PICS”).

1. Purpose: Your personal information collected by or held by the Companies may be used for the purposes of:

(i)  processing, administering, implementing, and effecting the requests or transactions indicated in this document or any other related documents you may submit to the Companies from time to time;

(ii)  providing services related to this document and the relevant insurance policy, including but not limited to promoting and improving such services or related services provided by the Companies or affiliates;

(iii)  analysing, investigating, processing, and paying claims made under your insurance policy;

(iv)  designing new or enhancing existing products and services provided by the Companies;

(v)  complying with applicable law, rules, regulations, codes of practice or guidelines or assisting with law enforcement purposes, investigations by policy or other government or regulatory authorities in Macau or elsewhere; including but not limited to FATCA and CRS;

(vi)  communicating with you for any of the above purposes;

(vii)  other purposes which are directly or indirectly related to the purposes set out above.

Failure to provide the personal data by you may result in the Companies being unable to provide products and services, process claims under insurance policies issued by the Companies, or process any other requests, enquiries, or complaints from you.

2. Transfer: Personal data provided by you to the Companies will be kept confidential but where it is necessary to satisfy the aforementioned purposes, it may be transferred to the parties mentioned below, which may be located within or outside Macau:

(i)  any related companies, including parents and/or branches and/or subsidiaries and/or affiliates of the Companies;

(ii)  any agent, contractor or third party service provider who provides administration, data Companies processing, claims, investigation, medical, external audit, actuarial, technology outsourcing, call centre service, mailing and printing service or other services in connection with the operation of the Companies’ business and provision of our services to you;

(iii)  any companies who help gather your information or communicate with you, such as research companies and ratings agencies, in order to enhance the services, the Companies provide to you; and

(iv)  financial service intermediaries that are authorized by the Companies for the distribution of products and services provided by the Companies;

(v)  relevant industry association and/or Federation that exist or are formed from time to time;

(vi)  any government, regulatory or industry bodies within or outside Macau;

(vii)  your insurance agents, intermediaries, or referrer.

3. Access: You have the right to ascertain whether the Companies hold any personal data about you and to access data and have the right to require the Companies to correct any personal data relating to you which is inaccurate. Requests for access, correction or other queries relating to your personal data can be addressed to the Data Protection Officer of the Companies at Avenida da Praia Grande No. 567, Edf. BNU, 14/F, Macau. The Companies have the right to charge a reasonable fee for processing a request to access your personal data.

4. Direct Marketing: The Companies intend to use your personal data in direct marketing of the following classes of services, products, and subjects:

(i)  financial, insurance, annuity, pension fund, credit card, banking and related services and products;

(ii)  reward, loyalty or privileges programmes and related services and products;

(iii)  services and products offered by the Companies’ co-branding partners (the names of such co-branding partners may be found in the application form and/or leaflets for the relevant services and products); and

(iv)  charitable / non-profitable causes

and your name, contact details, products and services portfolio information, transaction pattern and behaviour, financial background and demographic data held by the Companies may be used in direct marketing.

If you do not wish the Companies to use or provide to other persons your data for their use in direct marketing as described above, you may exercise your opt-out right by notifying the Companies.

You may, in future, withdraw your consent to the use of your personal data by the Companies and/or any third parties in direct marketing. Such request can be made to the Data Protection Officer of the Companies at Avenida da Praia Grande No. 567, Edf. BNU, 14/F, Macau and the Companies shall cease to use your personal data in direct marketing.

5. Amendment to the PICS: To the extent permitted by related laws and regulations in Macau, the Companies reserve the right, at any time with or without notice, to amend the PICS, by publishing such amendments on the website of the Companies or in writing to you. Any such amendment will be effective immediately upon posting.