私隱政策

資本集團（「資本集團」或「我們」」）高度重視您的私隱，故此制定了本私隱政策（「本政策」），以根據適用資料私隱法維護您向我們所披露資料的私隱。
 

本政策闡明我們如何收集、使用、共享及以其他方式處理您的個人資料，包括
 

  1. 與您作為訪客瀏覽本網站有關；

  2. 與您投資於下列資本集團基金（「基金」）有關：
    • 由Capital International Management Company Sàrl提呈發售的盧森堡註冊可轉讓證券集體投資計劃（UCITS）基金；或
    • 由Capital Group Investment Management Limited（「CGIML」，ABN 73 164 174 501）提呈發售的澳洲註冊基金。
       
  3. 與下列投資服務有關：
    • 由Capital Group Investment Management Pte. Ltd.（「CGIMPL」）於新加坡提供的服務；
    • 由Capital International, Inc. （「CIInc」）於香港提供的服務；或
    • 由CIInc（ARBN 148 215 570）於澳洲提供的服務；
       
  4. 與股東及基金地方代表服務有關：
    • CGIMPL及CIInc分別作為盧森堡註冊UCITS基金於新加坡及香港的代表；或
       
  5. 根據適用法律法規，有關您與資本集團的業務關係。就本政策而言，CIInc、CGIMPL、CGIML、基金及／或與您有關係的任何其他資本集團公司將是資料控制者或聯合控制者。
     

 

本政策將進一步闡明，當我們使用您的個人資料時，您擁有哪些權利及選擇。

本政策中使用「個人資料」一詞，是指與您個人相關，並且可識別您身份的任何資料（無論以電子或其他方式記錄）。

我們僅收集就我們提供產品及服務合理所需的個人資料。若您未提供我們要求的資料，我們可能無法提供您要求的產品或服務。

我們可能會出於下述目的收集及使用您的個人資料，而該等資料視乎相關情況可分為以下類別：

  • 聯絡資料：您的姓名與聯絡方式，包括電話號碼、電郵地址、郵寄地址及／或業務聯絡資料。
  • 與監管要求相關的資料：特別是反洗錢（「AML」）／了解您的客戶（「KYC」）資料，其中可能包括您的聯絡資料、出生日期、護照或身份證、家庭賬單副本，以及適用法律法規規定的任何其他資訊或資料。
  • 有關您與我們的關係的資料：透過協議、申請表（以書面或電子方式填寫）收到的資料，其中可能包括您的聯絡資料與納稅識別號碼、您的當前及過往投資（包括交易史及賬戶史）、投資偏好及投資金額、有關您投資的通訊、與您的資本集團賬戶或您使用資本集團網站相關的任何資訊、資料或紀錄。
  • 當您瀏覽我們的網站時收集的資料：您的網上識別碼（IP位址），以及您在網上註冊我們的任何活動或服務時提供的聯絡詳情。

資本集團及我們的分銷商與子分銷商以及基金的過戶及行政管理代理將設法直接向您收集在您使用我們的服務、您投資於基金的過程中，以及瀏覽我們的網站時向我們提供的個人資料。資本集團亦可能收集由您的僱主、您投資於基金時的資本集團過戶代理提供，或透過社交媒體、訂閱服務、道瓊斯資料庫、制裁清單、集中投資者資料庫及公開登記冊等公開來源獲得的個人資料。

若您進入我們網站的「機構」或「中介」區域，我們將限於在管理業務及為您提供最優質服務所需的範圍內，收集及使用您的個人資料。除非屬下文特別指明的限定情況，否則我們不會披露任何個人資料。披露予資本集團的任何個人資料將在向您履行任何合約義務或服務，或遵守外部施加的法律／監管義務所需的時間內保留。

我們不會設法收集及／或處理您的敏感個人資料，除非對於遵守法律義務屬必需及必要、您已公開提供有關資料或我們已取得您的明確同意。

We may collect your Personal Data for the following purposes and processes:

 

 Purpose for processing  

Legal basis for processing

Servicing of clients and/ or shareholders in our Funds: provide sales reporting and account statements, perform account openings/ closures and invoicing, monitor cash-flows, reporting to clients/ shareholders etc.

For Australia

  •  Processing is in accordance with the stated purpose as notified to you, and is reasonably necessary for, or directly related to, one or more of our functions or activities.

For Hong Kong

  • Processing is in accordance with the stated purpose as notified to you.

For Singapore

  • We have obtained your prior consent to the processing; or
  • We have assumed deemed consent from you (i) where, without actually giving consent, you voluntarily provide your Personal Data for the stated purpose, and/or (ii) where it is reasonable that you would have voluntarily provided such Personal Data to us, and the collection, use or disclosure of your Personal Data is reasonably necessary for the conclusion and/or performance of a contract between you and us or any other organization entered into at your request.

Provision of our Funds and services: administering relationships and related services; performance of tasks necessary for the provision of the requested services; communicating with you in relation to those services.

For Australia

  •  Processing is in accordance with the stated purpose as notified to you, and is reasonably necessary for, or directly related to, one or more of our functions or activities.
     

For Hong Kong

  • Processing is in accordance with the stated purpose as notified to you.

For Singapore

  • We have obtained your prior consent to the processing; or
  • We have assumed deemed consent from you (i) where, without actually giving consent, you voluntarily provide your Personal Data for the stated purpose, and/or (ii) where it is reasonable that you would have voluntarily provided such Personal Data to us, and the collection, use or disclosure of your Personal Data is reasonably necessary for the conclusion and/or performance of a contract between you and us or any other organization entered into at your request.

Offering investment in shares and performing the related services as described in the relevant Fund’s prospectus, account opening forms and any other agreement with other CG companies and third parties, including but not limited to: the opening of your account with the Funds, the management and administration of your holdings and any related account on an on-going basis, and the operation of the Funds’ investment in sub- funds, including processing subscriptions and redemptions, conversion, transfer and additional subscription request, the administration and payment of distribution fees (if any), payments to shareholders, updating and maintaining records and fee calculation, maintaining the register of shareholders, providing financial and other information to the shareholders.

For Australia

  •  Processing is in accordance with the stated purpose as notified to you, and is reasonably necessary for, or directly related to, one or more of our functions or activities.


For Hong Kong

  • Processing is in accordance with the stated purpose as notified to you.


For Singapore

  • We have obtained your prior consent to the processing; or
  • We have assumed deemed consent from you (i) where, without actually giving consent, you voluntarily provide your Personal Data for the stated purpose, and/or (ii) where it is reasonable that you would have voluntarily provided such Personal Data to us, and the collection, use or disclosure of your Personal Data is reasonably necessary for the conclusion and/or performance of a contract between you and us or any other organization entered into at your request.

On-boarding of clients and/ or shareholders in our Luxembourg, Australian and United Kingdom Funds: Your Personal Data might be collected for the establishment of AML/ KYC files, to perform sanctions screenings, compliance with our internal compliance requirements, policies and procedures.

For Australia/Hong Kong

  • Processing is in accordance with the stated purpose as notified to you, and is necessary for compliance with a legal or regulatory obligation.


For Singapore

  • Processing is necessary for compliance with a legal or regulatory obligation; or
  • We have assumed deemed consent from you (i) where, without actually giving consent, you voluntarily provide your Personal Data for the stated purpose, and/or (ii) where it is reasonable that you would have voluntarily provided such Personal Data to us, and the collection, use or disclosure of your Personal Data is reasonably necessary for the conclusion and/or performance of a contract between you and us or any other organization entered into at your request.

Direct or indirect marketing activities and prospecting: preparation of mailings (information about CG, promotion of new funds/ products, etc.), events, market research, communicating with you via any means (including via email, telephone, text message, social media, post or in person), subject to ensuring that such communications are provided to you in compliance with applicable laws and regulations; and maintaining and updating your contact information where appropriate.

For Australia/Hong Kong

  • We have obtained your prior consent to the processing where it is entirely voluntary, not necessary or compulsory in any way, and in accordance with the stated purpose as notified to you.


For Singapore

  • We have obtained your prior consent to the processing where it is entirely voluntary and not necessary or compulsory in any way; or
  • We have assumed deemed consent from you (i) where, without actually giving consent, you voluntarily provide your Personal Data for the stated purpose, and/or (ii) where it is reasonable that you would have voluntarily provided such Personal Data to us, and the collection, use or disclosure of your Personal Data is reasonably necessary for the conclusion and/or performance of a contract between you and us or any other organization entered into at your request. 

Publishing: promotional material/ reports for use with clients and prospects.

For Australia/Hong Kong

  • We have obtained your prior consent to the processing where it is entirely voluntary, and not necessary or compulsory in any way; or
  • Processing is in accordance with the stated purpose as notified to you.


For Singapore

  • We have obtained your prior consent to the processing where it is entirely voluntary and not necessary or compulsory in any way; or
  • We have assumed deemed consent from you (i) where, without actually giving consent, you voluntarily provide your Personal Data for the stated purpose, and/or (ii) where it is reasonable that you would have voluntarily provided such Personal Data to us, and the collection, use or disclosure of your Personal Data is reasonably necessary for the conclusion and/or performance of a contract between you and us or any other organization entered into at your request.

Operating our website and ensuring the security of our website: operation and maintenance of websites, provision and update of website content, tracking and profiling of website visitors, log-in area for institutional clients, advertising and/ or other information to you.

For Australia

  • Processing is reasonably necessary for or directly related to the proper administration of our funds, business and website.


For Hong Kong

  • Processing is in accordance with the stated purpose as notified to you.


For Singapore

  • We have obtained your prior consent to the processing where it is entirely voluntary and not necessary or compulsory in any way; or
  • We have assumed deemed consent from you (i) where, without actually giving consent, you voluntarily provide your Personal Data for the stated purpose, and/or (ii) where it is reasonable that you would have voluntarily provided such Personal Data to us, and the collection, use or disclosure of your Personal Data is reasonably necessary for the conclusion and/or performance of a contract between you and us or any other organization entered into at your request.

Compliance with legal and regulatory obligations as per applicable laws: to carry out any form of cooperation with, or reporting to, public authorities including, but not limited to, legal obligations under applicable fund and company law, prevention of terrorism financing, anti-money laundering law, prevention and detection of crime, tax law (such as reporting to the tax authorities under FATCA and CRS Law to prevent tax evasion and fraud), and to prevent fraud, bribery, corruption and the provision of financial and other services to persons subject to economic or trade sanctions on an on-going basis in accordance with relevant internal anti-money laundering policies and procedures, as well as to retain your AML and other records for the purpose of screening in relation to other funds or clients.

For Australia/Hong Kong/Singapore

  • Processing is in accordance with the stated purpose as notified to you, and is necessary for compliance with a legal or regulatory obligation.

Managing our business relationship: communicating with you regarding your services.

For Australia

  • Processing is in accordance with the stated purpose as notified to you, and is reasonably necessary for, or directly related to, one or more of our functions or activities.


For Hong Kong

  • Processing is in accordance with the stated purpose as notified to you.


For Singapore

  • We have obtained your prior consent to the processing; or
  • We have assumed deemed consent from you (i) where, without actually giving consent, you voluntarily provide your Personal Data for the stated purpose, and/or (ii) where it is reasonable that you would have voluntarily provided such Personal Data to us, and the collection, use or disclosure of your Personal Data is reasonably necessary for the conclusion and/or performance of a contract between you and us or any other organization entered into at your request.

The purposes listed above may continue to apply even in situations where your relationship with us (for example, pursuant to a contract) has been terminated or altered in any way, for a reasonable period thereafter (including, where applicable, a period to enable us to enforce our rights under any contract with you).

分析是指自動處理個人資料（例如使用cookie）來評估有關網站使用者的若干資訊。分析可以是自動化決策過程的一部分，意味著決策完全透過自動化方式作出，無需任何人手干預。
 

僅當對於與您訂立的合約或履行該合約屬必要，或您已明確同意或經法律授權時，我們才會進行分析及自動決策。若有關決定將產生法律影響或在其他方面同樣對您產生重大影響，您可以隨時就完全基於自動化處理（包括分析）作出的決定提出意見或異議。使用自動化決策時，我們將為您提供有關所涉及邏輯、對您的重要性及預期造成後果的更多資訊。
 

當使用我們網站的公共區域時，我們可藉由cookie追蹤瀏覽網站公共區域的使用者人數，亦可記錄您的電腦在網絡上的位置，用於系統管理、故障排除以及報告匯總資訊。我們可能會收集及儲存若干導覽及交易資訊，例如您所瀏覽頁面的點擊率與PDF文件，以及您使用本網站的時間及方式。我們使用導覽資訊實現網站個人化，用於編程、編輯與金融研究，並提供使用者可能喜愛的新內容。關於在我們網站上使用cookie，亦請參閱我們的Cookie政策。

我們可能基於本政策所載目的及法律依據，在合理必要的範圍內向其他資本集團公司（即我們的最終控股公司及其所有子公司）披露您的個人資料。
 

為提供客戶及股東賬戶服務，您的個人資料可能會在資本集團內部披露或傳輸，以及在若干情況下，視乎法律法規允許，會向第三方及服務供應商披露或傳輸。為執行法定或審慎審計，或基於管理風險、獲取專業建議，或提出、行使法律申索或為法律申索進行抗辯（無論是在法庭程序或是在行政或庭外程序中），我們可能需要在合理必要範圍內向我們的核數師及／或專業顧問披露您的個人資料。
 

請注意，若法律要求，或我們合理認為有關使用或披露對保護我們的權利及／或遵守司法或監管程序、法院命令或其他法律程序屬必要，則我們可能使用或披露您的個人資料。除了本節中所載個人資料的特定披露外，若有關披露對於遵守我們所承擔的法律義務屬必要，則我們亦可能披露您的個人資料。
 

我們僅限獲授權僱員存取您的非公開個人資料。我們採取實體、電子以及程序保障措施，保護您的非公開個人資訊。雖然我們努力保護客戶及使用者的個人資料與私隱，但無法保證您在網上所披露任何資訊的安全。我們概不就未經授權瀏覽本網站而獲得的資訊承擔任何責任。
 

我們可能需要基於上述目的，將您的個人資料傳輸給位於原先收集您的個人資料所在國家以外地方的資本集團聯屬公司或第三方。為使我們成為一體化的全球企業，您的個人資料可能會傳輸到歐洲經濟區（「EEA」）、英國、新加坡、香港、澳洲或美國，或保護級別與資料來源地不同的其他司法管轄區。但是我們將確保根據本政策以及適用法律與標準合約條款，採取充分的安全措施。資本集團進一步確保與我們共享您的個人資料的第三方承擔合約義務，對您的個人資料保密，以及僅會將其用於提供我們授權彼等的服務。

 

我們只會在滿足收集及處理資料之目的所需的時間內保留您的個人資料，包括基於履行合約義務，以及法律、監管、會計、稅務或其他報告要求。若我們根據適用法律法規（例如AML／ KYC），為遵守法律與監管義務而保留您的個人資料，則我們僅會在必要時並在適用法律及法規要求的期限內保留您的個人資料。

請注意，資本集團內部受到適用的當地法律法規約束，其資料保留義務不盡相同。

根據適用法律，您作為個人享有以下權利，而這些權利可在我們持有您的個人資料的若干情況下行使：

  • 您有權存取我們保存的您的個人資料。但是您的存取權可能會受到適用法律法規、其他個人私隱保護，以及我們業務措施考量的限制。
  • 您有權索取您的個人資料副本及與其處理相關的若干資訊。
  • 您有權以結構化、常用以及機器可讀的格式收取您的個人資料（資料可攜性權利）。
  • 您有權要求我們修正、修改、刪除或從我們的資料庫中完全移除您的個人資料。基於特定法律原因，我們可能無法經常滿足您的刪除要求，我們將在回覆時告知您（如適用）相關原因。
  • 您有權反對及／或要求限制處理您的個人資料。
  • 您亦有權就資料保護問題向我們或主管監管機構提出投訴。
  • 若您已同意收集、處理及／或傳輸個人資料，您有權全面或部分撤回同意。  收到您撤回同意的書面要求後，我們可能需要合理的時間（視乎要求的複雜程度及其對雙方關係的影響）來處理您的要求，並向您告知我們同意該要求的後果，包括可能影響您對我們所享有權利及承擔責任的任何法律後果。請注意，撤回同意並不影響我們繼續收集、使用、披露或以其他方式處理個人資料的權利，只要適用法律允許或要求我們可不經同意而收集、使用、披露或處理個人資料。  

 

在披露您要求的個人資料之前，我們可能會為了確認您的身份以及出於安全目的，而要求您提供其他資訊。除非有關要求被視為不必要或過度，否則我們不會收取任何行政費用。

若您對本政策有任何疑問、希望行使上述權利，或對我們處理您的個人資料的方式感到不滿，可透過電子郵件dataprotectionofficer_Asia@capgroup.com聯絡我們。
 

本政策的日期為2024年5月。

我們將來對本政策所作的任何更改都將於本頁面發佈，並透過電子郵件向您告知（如適用）。
 

  • 僅適用於澳洲
     

若您有意就與本政策相關的任何目的聯絡我們，包括對我們處理您的個人資料的方式（包括您認為我們違反了《私隱法》）提出投訴，您可向資本集團的資料保護主任提出，以書面形式郵寄至Gateway Suite 4201, Level 42, 1 Macquarie Place, Sydney NSW 2000，或發送電郵至dataprotectionofficer_Asia@capgroup.com。聯絡我們時，請提供您的電郵地址、姓名、地址以及電話號碼，並清楚說明您的投訴。資料保護主任將盡快調查投訴並回覆閣下。若您認為我們未能圓滿解決投訴，且您是身處澳洲的個人，則可以向澳洲資訊專員公署（Office of the Australian Information Commissioner）提出投訴。