Introduction

This cookie policy explains how Standard Chartered Bank (Hong Kong) Limited (“SCBHK”, “we” or “our”) use cookies, and similar technologies, such as pixels, beacons, and tags (together “cookies”) on our websites, including www.sc.com/hk (“Websites“) and our apps, including our mobile banking app (“Apps“), other online services and your choices in this regard.

This cookie policy applies to your use of our Websites and/or our Apps and should be read in conjunction with our Privacy policy (www.sc.com/hk/website-privacy-statement ) and the information regarding cookies as set out in the Privacy policy.

By using our Websites and/or our Apps, you agree to our use of cookies in accordance with this cookie policy. If you do not agree to our use of cookies, please disable cookies on your computer or other devices (see “How to disable cookie” section below), and cease using our Websites and Apps.

What are cookies and why do we use them?

Cookies are small data files which are placed on your device when you access certain parts of our Websites or Apps or click on our online advertisements.

Cookies do other very useful jobs, such as tell us which pages you visited the most, understand how effective our website has been to you, and improve our communication to you on our products and services. We do not use cookies to collect information that directly identifies you as an individual.

What types of cookies do we use?

To help you better understand what cookies we apply to our websites, we have classified our cookies in four categories: Strictly Necessary, Performance, Functional and Analytical and Targeting/advertising.

We use the following cookies:

(a) Strictly necessary cookies

These cookies are essential for the operation of our Websites, Apps, your browsing experience and they are also used to enable authentication and security.

We use the information collected by these cookies to:

• Allowing our web server to determine whether the cookie settings on your browser have been enabled or disabled. This allows us to determine whether data can be collected from your web browser;
• Monitor that our websites are operating correctly and deliver content to you reliably;
• If necessary, carry your information across pages to avoid re-entering;
• Temporarily identifying your device after you have logged in to a secure page on our Websites and Apps so that our web server can maintain a dialogue with your browser or device in order for you to carry out certain activities.

As strictly necessary cookies are essential for our website to work, they cannot be disabled at our end. You can set your browser to block or alert you about these cookies but opting out of them may cause some parts of our websites to not work.

(b) Performance cookies

These cookies collect information on how you use our website. For example, which pages you have visited and whether you have experienced any errors during your visit. They may also be used to perform website analytics. This data collected by these cookies is stored in an aggregate form and will not directly identify you as an individual.

We use the information collected by these cookies to:

• For more accurate reporting.
• Understand how our website is being used and how effective our campaigns are;
• Test different versions of our website so that we can make improvements

If you limit these cookies on your browser, your browsing experience on our websites may be impacted.

(c) Functionality Cookies

These cookies are used to recognise you when you return to our Websites or Apps, so that we can improve, enhance and personalise your visit to our website.

We use the information collected by these cookies to:

• Personalise our website’s content for your preferences
• Provide you various web services, including ability to watch a video
• Remember the choices you make (such as your username, language and region) so you do not have to re-enter that information when you return to our Websites or Apps;

If you limit these cookies on your browser, our website cannot remember choices you’ve previously made or personalise your browsing experience.

(d) Analytical and Targeting/advertising cookies

These cookies are used to research a customer’s interest, usage and activities in relation to the Websites and Apps by implementing analytical cookie technology and platforms. These cookies may be placed on your device by us or by third parties on our behalf, including Doubleclick, Yahoo!, Google, Adobe, Quantcast, Httpool, Criteo, Teamwork, Delvify, Bidmath, Appier, DSPs and programmatic partners, and we may share the data stored in such cookies with third parties. These cookies also include universal floodlight tag, pixels and SDK. These cookies allow us to tailor our marketing to you and your interests.

Targeting cookies are not used to directly identify you. They record information like your visit to our websites, details of other websites that directed you to our websites, your responses to our online advertisements and pages you have visited, so that we and our partners can gain insights in to what communications, products and services you or other potential customers may
be interested in.

In order to gain these insights, sometimes we may analyse your cookies to create a profile of your interests and preferences so that we can communicate information relevant to you and your interests. We also may make use of additional information about you when it is available from internal and external third party sources.

We use the information collected by these cookies to:

• tailor our advertisements or offers to you (including those on our or third party websites, such as social media networks or otherwise);
• make our websites more relevant to your interests based on your past visits to our websites;
• evaluate the effectiveness of our marketing and advertising activities;
• improve the effectiveness of our online marketing and advertising campaigns;
• help us identify customers similar to our audience;
• serve relevant adverts to you on third party websites and apps;
• find out about users of the Websites and Apps, including user demographics and behaviour and usage patterns;
• record your use of our Websites and/or Apps and your responses to our online advertisements posted on our Websites and Apps as well as other social media platforms (such as Facebook, Instagram, Twitter and Linkedln) to deliver personalised content to you, including ads relevant to your interests;

Data collected by these cookies is not used to send direct marketing messages to you. Therefore, disabling these cookies will not necessarily stop you from receiving marketing communications from us. You are able to opt out of receiving marketing material from us at any time and you can find more details about this in our Personal Information Collection Statement.

Our third party partners who place cookies on our website on our behalf will only apply those cookies or process any of your data in accordance with the purposes described in this Cookie Policy.

Please also note that opting out of our first-party or third-party targeting/advertising cookies does not necessarily mean that you will not see our ads, only that these ads will not be target to you through the use of such cookies.

Fraud prevention

We may also use the abovementioned cookies to assist us in fraud prevention and detection.

Third Party Cookies

We may work with third parties to set the above-mentioned cookies when you interact with our website. These third parties include our partners and service providers, such as advertisers, search engines, social media platforms, or analytics platforms that enable us to improve and personalise your experiences on our websites and deliver relevant content to you.

We do not share any data with these third parties that may identify you.

Third parties may also place cookies on your device when you visit other websites that do not belong to us. These cookies are applied in accordance with the third party’s cookie policy, which we have no control over. You can always opt out of third party cookies through your browser settings (see Manage your cookies preferences section below).

Managing your cookies preferences

(a) On web browsers

Most web browsers are initially set up to accept cookies. In most cases, you can choose to block, delete or disable any cookies, or any third party cookies as your browser or device permits.

Removing cookies in your browser settings means that any preference settings you have made on a website will be lost (including any consent preferences regarding cookies where that is available).

Please also note that blocking all cookies means that functionality on our websites will be lost as described above. Your user experience may be affected and you may find that certain features on our Websites will not work properly. We don’t recommend turning all cookies off when using our websites.

In most cases, depending on the job the cookie needs to perform, it may be a session or persistent cookie:

• Persistent cookies are retained on your device until you either erase them or your browser erases them when the cookie reaches its expiration date.
• Session cookies are temporary and expire once you close your browser or once your session ends.

See below for more information on how to manage your cookie settings in these popular browsers:

Internet Explorer: https://support.microsoft.com/en-us/help/17442/windows-internet-explorer-delete-manage-cookies

Firefox: https://support.mozilla.org/en-US/kb/cookies-information-websitesstore-on-your-computer?

Google Chrome: https://support.google.com/chrome/answer/95647?hl=en

Safari: https://support.apple.com/en-sg/guide/safari/sfri11471/mac

You can also opt out of Google’s use of cookies (including DoubleClick cookies) by visiting Google’s Ad Settings, Facebook’s use of pixel information on Facebook’s Ad settings, LinkedIn’s use of cookies by visiting LinkedIn’s Settings and Adobe’s use of cookies by visiting Adobe’s Settings.

To find out more about the use of cookies and the information-collecting practices and opt-out procedures, please visit the website of the third parties.

(b) On our Apps

By continuing to use our Apps, you agree and accept that we will access your information stored on the cookies. If you do not accept our use of cookies, please do not use or cease using our Apps.

You can also visit the following sites to check and select your preferences for online ads:

• Digital Advertising Alliance (https://optout.aboutads.info/?c=2&lang=EN )
• Network Advertising Initiative (https://optout.networkadvertising.org/?c=1 )
• Internet Advertising Industry (https://www.youronlinechoices.com/ )