The Bank of East Asia

Privacy Notice

If you do not wish for your personal information to be used in the ways described within this Privacy Notice then you should not access or use the website that we make available for your use (“Website”) and/or use the services we offer (“Services”).

Our commitment to protecting your privacy and personal information

We are committed to ensuring that your personal information is used properly, your privacy is protected and the confidentiality of any personal information that you provide to us is safeguarded. This Privacy Notice explains how we use and protect the information we collect about you when you use this website, how you can instruct us if you prefer to limit the use of that information and the procedures that we have in place to safeguard your privacy.

The controller of your personal data is The Bank of East Asia, Limited, registered in England and Wales under UK establishment number BR001344 and with its registered office address at:

75 Shaftesbury Avenue
London
W1D 5BB

("BEAUK","we","our",or"us")

 

Information we collect about you

Information you give us

This is information about you that you give us by:

  • applying for products and services;
  • filling in the online form or using the message service on the Website; or
  • corresponding with us by phone, e-mail or otherwise.

This may include personal information such as your name, email address, postal address, employer, financial details and any additional details that you may provide us with.

Special categories of data

We do not collect any special categories of personal information about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data).

How we use the information collected about you

Information you give us

If you send us information via our online form or message service, e.g. to obtain any further information about our services or if you have any suggestions for us, you will be requested to provide information about yourself. A padlock symbol on the page will inform you that the transmission of the messages will be encrypted for your protection.

We and other members of the Bank of East Asia Group (“BEA Group”) will use your information (which may include your personal information) to manage your account, give you statements and provide our services, for assessment and analysis (including credit and/or behaviour scoring, market and product analysis), and to develop and improve our products and services. Any research and statistical analysis we use will not include information that can be used to identify any individual. We may also use the information to trace your whereabouts to recover debts and to help prevent fraud and/or money laundering.

We and BEA Group may also wish to provide you with information about special features of our Website or any other products or services we think may be of interest to you. If you would rather not receive this information, please write to us at our address provided below, you can contact us at one of our branches or send us a message via our online form or service.

We may use other members of the BEA group, service providers and/or agents in another country to provide services on our behalf which may include the processing of your personal information.

We will treat your personal information as private and confidential (even if you are no longer a customer) and we will not disclose any such information outside of the BEA Group, service providers and/or agents (to provide services on our behalf) other than in the exceptional cases permitted by law specified below.

Purpose

We may use the information we collect about you to deliver the Services effectively and for internal operations, including technical administration, troubleshooting, data analysis, testing, research and statistical.

In addition, we may use such information to provide you with a better experience, to improve the quality, value, functionality and general user friendliness of the Website, and as part of our efforts to keep the Services safe and secure.

How we protect your information

We follow strict standards of security and confidentiality to protect any personal information you provide to us. To safeguard your use of our online services, we use encryption when transmitting your information between your browser and BEAUK.

Unfortunately, the transmission of information via the internet is not completely secure. While we do our best to protect your personal information, we cannot guarantee the security of your information transmitted to us over the email or through the Website; any such transmission is at your own risk.

Disclosure of your information

We will disclose your personal information only in the following exceptional cases permitted by law:

  • where we are required or legally compelled to disclose, or to apply our Website Terms of Use and other agreements;
  • where there is a duty to the public to disclose;
  • where our interest requires disclosure (i.e. to prevent fraud), but this will not be used as a reason for disclosing information about you or your accounts to anyone else, including other companies in our group, for marketing purposes;
  • where disclosure is made at your request or with your explicit consent;
  • where we have a legitimate interest in transferring it to any member of the BEA Group; and
  • where it is necessary to disclose it to our service providers.

We may give information about the debts that you owe us to Credit Reference Agencies ("CRA") if:

  • you have fallen behind with your payments;
  • the amount owed is not in dispute; or
  • you have not made satisfactory proposals to us for repaying your debt, following our formal demand.

In these cases, we will give you at least 28 days' notice that we plan to give such information. At the same time, we will explain to you the role of a CRA and the effect the information they provide can have on your ability to obtain credit.

Your rights

You have a number of rights in relation to how we process your personal information. These include:the right to access the personal information that we may hold about you;

  • the right to rectify any inaccurate personal information that we may hold about you;
  • the right to have your personal information erased in certain circumstances, for example, where it is no longer necessary for us to process your personal information to fulfil our processing purposes; or where you have exercised your right to object to the processing;
  • the right to restrict the processing of your personal information where, for example, the information is inaccurate or it is no longer necessary for us to process such information or where you have exercised your right to object to our processing;
  • the right to object to the processing of your personal information which may be exercised in certain circumstances, for example, where we are processing your personal information for direct marketing purposes, or where your own legitimate interests outweigh ours; and
  • the right to have your data ported to a new service provider if you no longer wish to use the Services.

You may exercise these rights by contacting us using the details provided at the end of this Privacy Notice.

No fee usually required

You will not have to pay a fee to access your personal information (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.

What we may need from you

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal information (or to exercise any of your other rights). This is a security measure to ensure that personal information is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

Time limit to respond

We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.

Changes to our Privacy Notice

We may make changes to this Privacy Notice at any time. The most updated version of this Privacy Notice will always be posted on this webpage. We recommend that you revisit this page regularly in order to remain up to date on our policy.

Links to other websites

Our websites contains hyperlinks to other websites. It does not mean that we endorse their contents. We recommend you read the Privacy Notice on any external websites you visit. We have no control over external websites and therefore are not liable for your use of them.

Where we store your personal information

The data that we collect from you will be transferred to, and stored at, a destination within the European Economic Area(“EEA”). We will take all steps reasonably necessary to ensure that your personal information is treated securely and in accordance with this Privacy Notice.

Owing to the global nature of the internet infrastructure, the information you provide may be transferred in transit to countries outside the EEA that do not have similar protections in place regarding your data and its use as set out in this Privacy Notice. If this occurs, we will ensure that adequate procedures are put in place to protect your personal information.

In circumstances where we transfer your personal information to a BEA Group member, service provider or agent, we will ensure that the BEA Group member, service provider or agent will apply the same levels of protection as we are required to apply to information held in the UK.

Cookies

We use cookies to distinguish you from other users of the Website. This helps us to provide you with a smooth experience when you visit the Website, and also allows us to improve the Website. A cookie is a small text file that can be placed on your computer or other device when using the Website.

What do we use cookies for?

The cookies on this website may be from any of two categories:

  1. Strictly Necessary cookies - these cookies are used for technical reasons and are necessary to enable the Website to operate efficiently so that you can navigate the Website with ease and use specific features. These include, for example, cookies that help us to debug any errors. If these cookies are blocked or disabled, some of the Website may not operate effectively.
  2. Functionality cookies - these cookies are used to improve the functionality of the Website and make it easier to use. They help us to identify you as a repeat user of the Website and help us remember your preferences (for example, your choice of language or region), improving your user experience.

How do I control my cookie settings on my computer or device?

Please be aware that if you decide to disable or block cookies, parts of the Website may not function correctly, or at all.

Should you choose however to disable or block our cookies on your computer or other device you will need to do this through your browser. Click on the 'Help' menu on your particular browser to learn how to manage your cookie preferences. Alternatively, you can visit www.aboutcookies.org or www.youronlinechoices.eu for comprehensive information on how to manage cookies.

How to contact us

You must notify us of any changes to your details as soon as possible to safeguard the security of your information. We may request documentary evidence to support the changes. You should notify us of any change by writing to the address below.

We welcome your views about our website and our Privacy Notice. If you would like to contact us with any queries or comments, please write to:

Data Protection Officer
The Bank of East Asia, Limited
75 Shaftesbury Avenue
London W1D 5BB

Should you have any concerns about how we handle your personal information, please contact us in the first instance. We will do our best to resolve your concern. For further information about your rights, or to make a direct complaint, please contact the Information Commissioner’s Office.