Personal Information Collection Statement

Tahoe Life Insurance Company (Macau) Limited(“The Company”) recognizes its responsibilities in relation to the collection, holding, processing or use and/or transfer of personal data. The provision of your personal data is voluntary; you may choose not to provide us with the requested data, but failure of providing such data may result in the Company being unable to provide products and services, or establish or continue the business relationship with you.

Purpose: The personal data collected from you by the Company is collected for the purpose of:

1. processing, administering, implementing and effecting the requests indicated in this document or any documents that you may submit to the Company from time to time;
2. providing all services related to this document and the Policy, including promoting or improving such services or related services by the Company or its subsidiaries and affiliates;
3. communicating with you in relation to the administrative purposes;
4. any purposes in connection with any claims made by or against or otherwise involving customers in respect of any products and/or services including but not limited to making, defending, analysing, investigating, processing, assessing, determining or responding to such claims;
5. designing new or enhancing existing products and services provided by the Company;
6. conducting identity and/or credit checks and/or debt collection;
7. statistical or actuarial research;
8. conducting matching procedures;
9. co-operating with any investigation and meeting any disclosure requirements imposed by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies within or outside Macau Special Administrative Region (“Macau SAR”);
10. transferring your Personal Data to any federation or similar organization of insurance companies (“Federation”) and any members of the Federation to carry out its regulatory functions and/or in the interest of insurance industry or any members;
11. carrying out other services in connection with the operation of the Company’s business;
12. other ancillary purposes which are directly related to the purposes set above.

For using the personal data provided by you for promotional / marketing purposes, please refer to the section titled “Use of Personal Data in Direct Marketing”.

Transfer: Personal data provided by you to the Company will be kept in confidentiality but it may be transferred to parties mentioned below for the purposes set above:

1. any related company(ies), including subsidiaries or affiliates of the Company;
2. any financial services intermediaries that are authorized by the Company for the distribution of products and services provided by the Company;
3. any person (including private investigators and claims investigation companies) in connection with any claims made by or against or otherwise involving you in respect of any products/services provided by the Company and/or our subsidiaries/affiliates;
4. any person (including agents, contractors or third party service providers) who provides administrative, telecommunications, computer, payment, data processing, debt collection or securities clearing, technology outsourcing or other services in connection with the operation of the Company’s business and provision of products and services to you;
5. any agent, contractor or third party service providers including companies to help deliver the services of the Company, such as reinsurance companies, medical service providers, investment management companies, industry associations or federations;
6. any actual or proposed assignee, transferee, participant or sub-participant of the rights or business of the Company;
7. credit reference agencies or, in the event of default, debt collection agencies;
8. any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies within or outside Macau SAR;          

Your personal data may be provided to any of the above parties who may be located in Macau or outside of Macau.

Use of Personal Data in Direct Marketing:

Apart from the aforementioned purposes, the Company may use your personal data including name, contact details, products and services portfolio information, transaction pattern and behavior, financial background and demographic data for direct marketing by mail, fax, email, telephone or SMS that may include the following classes of services, products and subjects: (a) insurance, banking, securities, financial and related services and products; (b) reward, loyalty or privileges programmes and related services and products; and (c) services and products offered by the Company’s co-branding partners (the names of such co-branding partners can be found in the application form(s) and/or advertising leaflet(s)/poster(s) for the relevant services and products, as the case may be). Your personal data may also be provided to third party providers of financial, insurance, medical/health, call centre, marketing or research services, rewards, loyalty or privileges program services and/or related services for their use in direct marketing.

Before using your personal data for the purposes of direct marketing conducted by the Company or any third parties indicated in this section, the Company must obtain your consent and only after your consent is received by the Company, the Company may use or provide your personal data for direct marketing purpose.

You may, in future, withdraw your consent to the use of your personal data by the Company and any third parties on direct marketing purposes. Such request can be made to the Data Protection Officer of the Company at Avenida Doutor Mario Soares, FIT Center of Macau, 14 Andar H, Macau and the Company shall cease to use your personal data for direct marketing purposes.

Access: You have the right to ascertain what type of personal data the Company holds, whether the Company holds your personal data and, if so, the right to request access to and to request correction of any personal data concerning you held by the Company. Such request can be made to the Data Protection Officer of the Company at Avenida Doutor Mario Soares, FIT Center of Macau, 14 Andar H, Macau.  The Company has the right to charge a reasonable fee for processing a request to access your personal data access request.

Amendment to the PICS

The Company reserves the right to anytime, with or without notice, amend this PICS which will be found in our website or in writing to notify you how the Company will collect, use and transfer your personal data. Should there be any amendment to this PICS in the future, such amendment will become effective with immediate effect.

June 2018