(i) verifying the identity of customers;

(ii) processing of any applications and verifying customers’ eligibility for products;

(iii) executing the daily operation of the products and services provided to customers;

(iv) processing direct debit authorization or credit card payment for customers;

(v) providing customer services;

(vi) collection of outstanding amounts from customers;

(vii) assessing and analyzing any insurance claim and assisting insurance companies to conduct claim checks;

(viii) marketing services, products and other subjects in respect of which TIMES may or may not be remunerated (please see further details in paragraph (f) below;

(ix) communicating with customers via telephone, mail, e-mail, SMS, facsimile or any other communication means;

(x) compiling statistical information and customer profiles;

(xi) allowing an actual or proposed assignee of TIMES, or participant or sub-participant of TIMES’s rights in respect of the customer to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation;

(xii) assisting in the prevention, detection and investigation of crime;

(xiii) complying with the obligations, requirements or arrangements for disclosing and using data that apply to TIMES or any holding companies, associated companies of TIMES or that it is expected to comply according to:

(xiv) complying with  any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information with TIMES and/or any other use of data and information in accordance with any group-wide programmes for compliance with sanctions or prevention or detection of money laundering, terrorist financing or other unlawful activities; and

(xv) purposes relating thereto.

(i) any agent, contractor or third party service provider who provides administrative, telecommunications, computer, payment, securities clearing, debt collection, insurance, professional or other services to TIMES in connection with the operation of its business;

(ii) any insurance company or any other company carrying on insurance or reinsurance related business;

(iii) any intermediary or claims or investigation or other service provider providing services relevant to insurance business;

(iv) any association or federation of insurance companies;

(v) any member of the industry association or federation;

(vi) any of the subsidiaries, holding companies, associated companies or affiliates of TIMES;

(vii) any other person under a duty of confidentiality to TIMES which has undertaken to keep such information confidential;

(viii) any financial institution, charge or credit card issuing companies, securities and investment company with which the customer has or proposes to have dealings;

(ix) any actual or proposed assignee of TIMES or participant or sub-participant or transferee of TIMES’s rights in respect of the customer;

(x) debt collection agencies in the event of default in payment;

(xi) any person to whom TIMES is under an obligation or otherwise required to make disclosure under the requirements of any law binding on or applying to TIMES, or any disclosure under and for the purposes of any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers with which TIMES is expected to comply, or any disclosure pursuant to any contractual or other commitment of TIMES with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers, all of which may be within or outside Hong Kong and may be existing currently and in the future;

(xii) third party financial institutions, insurers, credit card companies, securities and investment service providers;

(xiii) third party reward, loyalty and privileges programme providers;

(xiv) business partners of TIMES (the names of such business partners can be found in the application form(s) for the relevant services and products, as the case may be);

(xv) charitable or non-profit making organisations; and

(xvi) external service providers (including but not limited to mailing houses,  telecommunication companies, telemarketing and direct sales agents, call centres, gift redemption centres, data processing companies and information technology companies) that TIMES engages for the purposes set out in paragraph (d).

Such information may be transferred to a place outside Hong Kong.

(i) the name, contact details, products and services portfolio information, transaction pattern and behavior, financial background and demographic data of a customer held by TIMES from time to time may be used by TIMES or holding companies, associated companies of TIMES in direct marketing;

(ii) the following classes of services, products and subjects may be marketed:

(iii)the above services, products and subjects may be provided or (in the case of donations and contributions) solicited by TIMES and/or:

(iv) In addition to marketing the above services, products and subjects itself, TIMES also intends to provide the data described in paragraph (f)(i) above to all or any of the persons described in paragraph (f)(iii) above for use by them in marketing those services, products and subjects, and TIMES requires the customer’s written consent (which includes an indication of no objection) for that purpose;

(v) TIMES may receive money or other property in return for providing the data to the other persons in paragraph (f)(iv) above and, when requesting the customer’s consent or no objection as described in paragraph (f)(iv) above, TIMES will inform the customer if it will receive any money or other property in return for providing the data to the other persons.

If a customer does not wish TIMES to use or provide to other persons his/her data for use in direct marketing as described above, the customer may exercise his opt-out right by notifying TIMES.

(i) to check whether TIMES holds data about him/her and access to such data;

(ii) to require TIMES to correct any data relating to him/her which is inaccurate; and

(iii) to ascertain TIMES’s policies and practices in relation to data and to be informed of the kind of personal data held by TIMES;