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Credit Card Consent Form

Credit Card Consent Form Template for Hong Kong

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Key Requirements PROMPT example:

Credit Card Consent Form

"I need a standard Credit Card Consent Form for a Hong Kong retail bank that includes basic data privacy clauses and marketing consent options, compliant with PDPO and suitable for general consumer credit card applications."

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Document background
The Credit Card Consent Form is a mandatory document required for all credit card applications in Hong Kong's banking sector. It serves as a crucial compliance tool, ensuring adherence to the Personal Data (Privacy) Ordinance (Cap. 486) and banking regulations. The form must be obtained before collecting, processing, or sharing any personal data related to credit card applications and ongoing account management. It includes specific consents for credit checks, marketing activities, and data sharing with third parties such as credit reference agencies and regulatory bodies. The document reflects Hong Kong's strict data protection regime and banking industry standards, incorporating requirements from both the PDPO and the Code of Banking Practice.
Suggested Sections

1. Applicant Information: Section for collecting basic personal details of the credit card applicant including full name, ID number, and contact information

2. Data Collection Statement: Clear explanation of what personal data will be collected and the purposes for which it will be used, as required by the PDPO

3. Data Sharing Declaration: Details of third parties with whom the data may be shared, including group companies, credit reference agencies, and regulatory authorities

4. Direct Marketing Consent: Specific section for obtaining consent for use of personal data in direct marketing activities, with clear opt-in/opt-out options

5. Rights and Access: Information about the applicant's rights regarding their personal data, including access, correction, and deletion rights

6. Declaration and Signature: Final confirmation of understanding and agreement, with space for signature and date

Optional Sections

1. Specific Product Consent: Additional consent section for specific credit card products or features, used when offering premium cards or specialized services

2. Third Party Authorization: Optional section for authorizing third parties to access or manage the credit card account, used when supplementary cards are requested

3. Cross-border Data Transfer: Section regarding consent for international data transfers, required when data processing occurs outside Hong Kong

4. Biometric Data Consent: Specific consent for collection and processing of biometric data, used when offering biometric authentication features

Suggested Schedules

1. Schedule 1: Types of Personal Data: Detailed list of all types of personal data that may be collected and processed

2. Schedule 2: Third Party Recipients: Comprehensive list of categories of third parties who may receive the personal data

3. Schedule 3: Marketing Preferences: Detailed options for marketing preferences and communication channels

4. Appendix A: Data Protection Rights: Detailed explanation of data subject rights under the PDPO and how to exercise them

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

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alex.den.21@genieai.co
Relevant legal definitions
Personal Data
Data Subject
Processing
Consent
Credit Card Account
Card Issuer
Cardholder
Primary Cardholder
Supplementary Cardholder
Credit Reference Agency
Direct Marketing
Group Companies
Third Party Service Providers
Regulatory Authorities
Credit Data
Biometric Data
Sensitive Personal Data
Marketing Communications
Opt-out Right
Data Access Request
Data Correction Request
Authorized Representatives
Payment Network
Card Facilities
Credit Reference Data
Associated Services
Personal Identification Data
Financial Data
Transaction Data
Cross-border Transfer
Relevant Industries

Banking

Financial Services

Retail Banking

Consumer Finance

E-commerce

Retail

FinTech

Payment Services

Consumer Services

Relevant Teams

Legal

Compliance

Risk Management

Product Development

Customer Service

Operations

Marketing

Data Protection

Application Processing

Credit Assessment

Relevant Roles

Compliance Officer

Data Protection Officer

Legal Counsel

Privacy Manager

Credit Card Product Manager

Risk Manager

Customer Service Manager

Operations Manager

Marketing Manager

Application Processing Officer

Regulatory Compliance Specialist

Banking Operations Officer

Industries
Personal Data (Privacy) Ordinance (Cap. 486): Primary legislation governing collection, use, and handling of personal data in Hong Kong. Critical for consent forms as it requires clear notification of data collection purposes and data subject rights.
Banking Ordinance (Cap. 155): Regulates banking business and related financial services in Hong Kong, including credit card operations and customer due diligence requirements.
Code of Banking Practice: Industry guidelines issued by the Hong Kong Association of Banks, covering customer relationships and credit card operations, including disclosure requirements and fair treatment principles.
Anti-Money Laundering and Counter-Terrorist Financing Ordinance (Cap. 615): Requires financial institutions to conduct customer due diligence and maintain proper records, affecting the information that must be collected in credit card applications.
Unconscionable Contracts Ordinance (Cap. 458): Ensures that contract terms are fair and reasonable, affecting how consent terms must be drafted and presented to customers.
Supply of Services (Implied Terms) Ordinance (Cap. 457): Establishes implied terms in service contracts, relevant for credit card services agreements and related consent forms.
Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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