個人資料聲明修訂版主要包含關於香港一項重要發展的變更：

1. 多家個人信貸資料服務機構營運模式

多家個人信貸資料服務機構（「MCRA」）營運模式是由香港銀行公會、香港有限制牌照銀行及接受存款公司公會及香港持牌放債人公會制訂的一項重要新措施。

當你提出按揭、貸款或其他信貸產品或服務的申請時，本公司將向個人信貸資料服務機構（「信貸資料服務機構」）索取關於你的信貸報告。信貸資料服務機構收集關於你現時及過往從各家向你提供貸款的債權人借貸的資料，然後將該等資料提供予潛在新貸款人，助其評估你的信貸能力。香港現時只有一家信貸資料服務機構。MCRA營運模式將讓貸款人得以透過多於一家信貸資料服務機構分享及使用個人信貸資料，有關信貸資料服務機構資料如下：

根據MCRA營運模式的規定，獲選信貸資料服務機構不得在未經客戶同意的情況下將信貸資料轉移至香港境外。

以下為個人資料聲明修訂版所作重要變更的概要，其中包括在MCRA營運模式下對客戶信貸資料進行收集披露的變更：

1.1 第(2)段 — 向信貸資料服務機構收集個人資料
個人資料聲明修訂版第(2)段涉及我們從信貸資料服務機構（作為其個人信貸報告服務一部分）接收個人資料的事宜。

1.2 第(6)(e)段 — 向平台營運商披露資料
我們於第(6)(e)段清晰說明作為MCRA營運模式的一部分，你的個人信貸資料可能會被轉移至構成MCRA一部分的中央平台之營運商。

1.3 第(7)至(9)段及第(15)段 — 信貸資料服務機構的複數表述

個人資料聲明修訂版第(7)至(9)段及第(15)段以複數形式表述信貸資料服務機構一詞，以表示你的個人信貸資料將在MCRA營運模式下被轉移至多家（而非僅一家）信貸資料服務機構。

2. 關於開放API合作的變更

個人資料聲明修訂版亦收納了一段新內容，即第(10)段，其中涉及你對本公司或其委托的第三方服務供應商 (TSP) 使用透過API所取得的資料而向你提供服務的選項。若你有所指示，我們將根據你所給予的特定同意向相關 TSP披露你的客戶資料。 請注意，第(10)段包含關於將你的資料披露予TSP的一般條款。若你就作為相關服務一部分對你的個人資料所作的使用有任何疑問，敬請聯絡我們。

有關已修訂之個人資料（私隱）條例政策致客戶及其他個別人士的通告，詳情請瀏覽以下連結: https://www.wfcredit.com.hk/tc/privacy.php

With effective from November 2023, the Notice of Wing Fung Credit Limited (“the Company”) will be updated. The updated Notice explains how we collect, use, process and share your personal data as part of our services to you. We are required to handle and use your personal data in accordance with the Personal Data (Privacy) Ordinance (the“PDPO”).

The updated Notice includes changes that relate to two important developments in Hong Kong:

1. Multiple Credit Reference Agencies Model

The Multiple Credit Reference Agencies (“MCRA”) model is an important new initiative developed by the Hong Kong Association of Banks, the DTC Association and the Hong Kong S.A.R. Licensed Money Lenders Association.

When you apply for a mortgage, loan or other credit product or service, the lender will seek a credit reference report about you from a consumer credit reference agency (“CRA”). CRAs collect information about your past and present borrowing from various creditors who have made loans to you, and then provide this information to potential new lenders to help them assess your creditworthiness. At present, there is only one CRA in Hong Kong. The MCRA model enables lenders to share and use consumer credit data through more than one CRA, the contact information of credit reference agency(ies) are as follows:

Selected CRAs will not be allowed to transfer credit data outside Hong Kong without customer's consent under the requirements of the MCRA model.

We have set out an overview of key changes in the updated Notice below, which includes changes concerning the collection and disclosure of consumer credit data under the MCRA model:

1.1 Paragraph (2) – Collection of Personal Data from CRAs
Paragraph (2) of the updated Notice refers to our receipt of personal data from CRAs as part of their consumer credit reporting services.

1.2 Paragraph (6)(e) – Disclosure of Data to Platform Operator
We have made it clear in paragraph (6)(e) that as part of the MCRA model, your consumer credit data may be transferred to the operator of the centralized platform forming part of MCRA.

1.3 Paragraph (7) to (9) and (15) — references to CRAs in plural

Paragraph (7) to (9) and (15) of the updated Notice refer to CRAs in plural, reflecting that transfers of your consumer credit data will be made to multiple CRAs under the MCRA model instead of just to one CRA.

2. Changes in respect of Open API collaborations

The Updated PICS also incorporates a new paragraph (10), which refers to your choice to engage TSPs to provide services to you using data obtained from us using APIs. If instructed by you to do so, we will make a disclosure of your customer data to the TSP in accordance with the specific consent that you have given. Please note that the wording of paragraph (10) refers to disclosures of your data to TSPs in very general terms. Please contact us or your TSP if you have any questions about the use of your personal data as part of such services.

Regarding the revised Notice to Customers and Other Individuals Relating to the Personal Data (Privacy) Ordinance, please visit the following website for more details: https://www.wfcredit.com.hk/en/privacy.php