VII. How you could manage your personal information
In accordance with the relevant laws, regulations and standards of the People’s Republic of China as well as the common practices in other countries and regions, we guarantee that you may exercise the following rights in relation to your personal information:
(A) Access and correct your personal information
If you are our customer, you may view or update your personal information by logging in our online banking at www.sc.com/cn, mobile banking, telephone banking or at any of our counters, unless otherwise provided by laws, regulations or regulatory policies.
You have the right and obligation to update your personal information in a timely manner to ensure that such information is accurate. To protect the safety of your account, you may need to access and correct certain personal information through online banking or at our counters. When you change any of your information through our online banking service, we will send a one-time SMS verification code to the mobile number you register with SCB China for the safety of your account.
If you are not our customer, or are unable to access and correct your personal information in the ways described above, please contact us using the contact information provided at the bottom of this Policy.
(B) Obtaining a copy of your personal information
If you wish to obtain a copy of your personal information, please contact us using the contact information provided at the bottom of this Policy.
(C) Delete your personal information
If you are our customer, for part of your personal information provided in your use of online banking, mobile banking and other electronic channels, you can delete it by logging in our online banking at www.sc.com/cn and mobile banking and other electronic channels. If you are not our customer, or are unable to access and correct your personal information in the ways described above, please contact us using the contact information provided at the bottom of this Policy
If you find that our collection or use of your personal information is in violation of laws and regulations or the agreement between you and us, you may request us to delete your personal information in accordance with the law. We will delete your personal information when permitted by laws or regulations (e.g., after the expiration of the legal retention period).
When you delete information, we may not immediately delete the information from our backup system but we will delete such information at the time of next update of our backup.
(D) Withdraw authorization and change the scope of your authorization and consent
If you are our customer, for electronic channels such as online banking and mobile banking, you may change the scope of your authorization for us to collect your personal information or withdraw your consent by deleting some information or turning off certain functions on your device. If you are not our customer, or if you are unable to change the scope of your authorization or withdraw your authorization by the above means, please contact us using the contact information provided at the bottom of this Policy. However, please be aware that your decision to withdraw your consent will not affect any collection of personal information based on your consent prior to such withdrawal.
(E) Transfer your personal information
You have the right to request us to transfer the personal information you provide to us to the third party of your choice. However, this right may only be exercised in certain circumstances as provided by Chinese law. You may contact us by using the contact information at the bottom of this Policy for more information about your relevant rights.
(F) Refuse to receive commercial promotion information
To introduce you the products or services that you may be interested in, we may, in the future, send you commercial promotion information through certain channels on a moderate basis. You may refuse to receive such information by clicking skip, rejecting, or replying unsubscribe. You may also contact us using the contact information provided at the bottom of this Policy to learn more about your relevant rights.
(G) Constraint automated decision making
In some services, we may make decisions based solely on non-human and automated decision-making mechanisms, including information systems, algorithms, etc. If these decisions significantly affect your legal rights, you have the right to request an explanation from us, and we will also provide appropriate remedies.
(H) Cancel your account
If you wish to report the loss of your debit card, credit card or cancel your credit card, you may do so at a branch or sub-branch of SCB China or by calling our customer service hotline (956083 or (0755)33382730). Please note that if you wish to cancel your personal deposit account, you may only do so by going to a branch or sub-branch of SCB China. Please follow the instructions to complete the verification of your identity at the branch or sub-branch or in the service call and, after the verification is completed, you may submit an application for cancelling your account. We will verify and process your application within 15 working days after receiving it.
After you meet all the conditions for cancellation according to law and your account is cancelled, you will no longer use our service through this account. Unless otherwise provided in laws, regulations, regulatory requirements or the terms and conditions of separate agreements or engagements that you have entered into with us when using our services or contacting us, or for the purpose of settling certain specific debtor-creditor relationships, the information relating to your account will also be deleted. We will no longer collect or use the personal information relating to such account through any channel. In addition, we still need to retain the information provided by you or generated during the term of your use of our service for a period of time as required by regulatory authorities and to cooperate with inquiries or other requirements of relevant authorities in accordance with law during such retention period.
(I) Response to your requests above
For your security, you may need to submit a written request or identify yourself through other ways. We may ask you to verify your identity before processing your request. Unless otherwise specifically provided in laws and regulations, we will, in principle, review and process your requests for correcting your personal information, deleting or cancelling your account submitted in accordance with the procedures described in this Policy within 15 working days:
In principle, we do not charge a fee for your reasonable requests, but we will charge a cost fee for repeated requests that exceed reasonable limits, as appropriate. We may reject requests that are unwarrantedly repetitive, require excessive technical means (for example, requiring the development of new systems or fundamental changes to current practices), pose a risk to the legal rights of others, or are highly impractical.
According to the requirements of applicable laws and regulations, we will not be able to respond to your request under the following circumstances:
- Where it directly relates to the performance of our obligations under laws and regulations;
- Where it directly relates to national security and national defense security;
- Where it directly relates to public security, public health or major public interest;
- Where it directly relates to criminal investigations, prosecutions, trials or execution of rulings, etc.;
- Where there is sufficient evidence showing that you are intentionally malicious or abuse your rights;
- Where it is required to protect your or others’ life, property or other material legitimate rights and interests while it is difficult to obtain your consent;
- Where responding to your request will cause serious damage to the legitimate rights and interests of yours or of other individuals or organizations;
- Where the request involves any trade secret.