Privacy Policy

Mocter (collectively “we”, “us”, the "Company" ) respect the privacy rights of visitors to the Company’s website and mobile app and of individuals who participate in, access or sign up to any of the Company’s services, activities or online content including without limitation our business partners’ products and services (collectively referred to as “Services”). We endeavor to ensure that all our collection, transmission, storage and usage of personal data is carried out in compliance with the Personal Data (Privacy) Ordinance, Cap 486 of the laws of the Hong Kong Special Administrative Region (the “PDPO”). By providing your personal data to us, you are consenting to this Privacy Policy.

The term “personal data” shall have the meaning ascribed to it by the PDPO.
  2. You need not supply any personal data in order to access the Company’s website. When you participate in, access or sign up to any of the Services, personal data is collected from you to enable us to provide you with the Services. You may decline to provide us with the requested personal data, but in such case we may not be able to provide the Services to you. By submitting your personal data you consent to the use of that data as set out in this Privacy Policy Statement.

    Personal data collected from you may be used by the Company for, without limitation:

    1. identifying you and any accounts you hold with us
    2. enabling the provision of the Services to you
    3. conducting identity verification and/or credit checks
    4. determining and verifying your eligibility for discounts and promotions on products and services
    5. processing applications or renewal applications for our business partners’ products and services, including without limitation insurance and financial products, on your behalf
    6. processing insurance claims for our business partners’ products and services, on your behalf
    7. processing of payment instructions or collection of amounts outstanding from you in relation to the provision of the Services
    8. order processing, billing and fulfilment
    9. enabling us to store your personal data so you do not have to re-enter it each time you purchase a product or renew an insurance product
    10. direct marketing of the Services (see section “Direct Marketing” below)
    11. direct marketing of the products and services of the Company’s business partners (see section “Direct Marketing” below)
    12. designing services for you
    13. conducting research, statistical analysis and behavioral analysis
    14. conducting program viewership survey and analysis
    15. customer profiling and analysing your purchasing preferences
    16. enabling you to participate in interactive features of our service, including identifying your friends or individuals, and sharing and communicating with them your shopping experience, when you choose to do so
    17. making suggestions and recommendations to you and other users of our Services or goods and services that may interest you or them
    18. customising the Company’s website and its content to your particular preferences
    19. provisioning of customer services
    20. handling your complaints and account enquiries, and handling any claim, action and/or proceedings against the Company or any party
    21. fraud prevention and detection
    22. auditing purposes
    23. making such disclosures as required by applicable laws, rules and regulations
    24. any other purposes directly related to the purpose for which the personal data were originally collected
  4. Types of personal data collected by the Company may include, without limitation:

    1. Your personal information and contact information such as your name, gender, date of birth, identity card number, telephone number, social media contact, email address, residential address, mailing address, and billing address;
    2. Your business information such as company name and business title;
    3. Your account details, including first 6 digits and last 4 digits of credit card account numbers, or user accounts;
    4. Your payment transaction details; and
    5. IP address, real-time geographic location data, browser settings, browsing records, and/or other Internet log information of your computer or mobile device
  6. All personal data collected and held by the Company will be kept confidential, but where disclosure is necessary for the Company to comply with any statutory obligations or requirements, or for the Company to provide the Services to you or to carry out the original purpose, or a directly related purpose, for which the personal data were collected, those data may be provided to the following parties (whether within or outside Hong Kong):

    1. Competent court of law, law enforcement agencies, or other governmental or statutory authorities, institutions or organisations;
    2. Company’s associated companies, business partners, contractors, agents, sellers or suppliers of the goods/services, or other service operators, who are involved in the sales and marketing, administration or provision of the Services;
    3. Company’s business partners including without limitation insurance companies who assess and/or process insurance applications, renewal applications, insurance claims and settlements, provide insurance services for you and/or handle enquiries or complaints
    4. Any other person under a duty of confidentiality to the Company including a member of its group of companies, IT consultants, data processors, auditors, accountants, or lawyers, which has undertaken to keep such information confidential; and
    5. Banks, financial institutions, insurance companies, credit card issuing companies or debt collection agencies.

    Any questions, comments, suggestions or information other than personal data sent or posted to our website, or any part of the site by you will be considered as voluntarily provided to the Company on a non-confidential and non-proprietary basis. We reserve the right to use, reproduce, disclose, transmit, publish and/or post elsewhere such information freely, including passing it to any associated company for example, in connection with the development and marketing of services and to meet user needs.

    We may share non-personal data such as anonymised data and aggregated data relating to without limitation sales transactions, user traffic, logistics and warehouse performance publicly and with our partners including without limitation with existing and potential business partners, sellers or suppliers of the goods/services, start-up entrepreneurs and academics.

    All reasonable efforts are made to ensure that any personal data held by the Company is stored in a secure and safe place.

    All personal data which we collect is kept confidential to the best of our ability. You will appreciate however, that we cannot guarantee the security of transmission.

    If you purchase our business partners’ products or services including without limitation insurance products, your personal data will be transferred to that business partner and your personal data will be used, processed and stored in accordance with that business partner’s privacy policy, which is outside our control. Please refer to the relevant privacy policy of our business partner.

  8. If necessary, the Company may transfer the personal data to places outside the Hong Kong Special Administrative Region for carrying out the purposes, or the directly related purposes, for which the personal data were collected. All the transfer of those personal data will be carried out in compliance with the requirements of the PDPO.

  10. If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party. You are solely responsible for securing your account in this particular way. We shall have no liability to you for any loss or damage in this regard.

    Unless there is a mandatory legal requirement for us to keep your personal data for a specified period, we will only retain your personal data for as long as is necessary to fulfill the purpose for which the personal data were originally collected.

  12. With your informed consent, the Company may use your personal data to send you news, offers, promotions and joint marketing offers and the Company requires your consent for that purpose. We may contact you by email, in-app notifications, social media, SMS, text/picture/video message, telephone or mail.

    Your name, email address, telephone number, contact address, social media contact, date of birth, products and services portfolio information, transaction patterns and behaviors, browsing records, content viewing habits and personal interests held by the Company may be used by the Company in direct marketing of the Services and the following products or services offered by the Company’s business partners, advertising partners or the registered service providers of Mocter, which may be of interest to you.

    If you prefer not to receive any direct marketing communications from us or our marketing partners, you can opt out at any time by updating your preferences through your registered account or an unsubscribe link provided. Upon receipt of your request, we shall cease to so use your personal data as soon as possible without charge to you.

  14. A cookie is a small text file which is placed onto your computer (or other electronic device) when you access the Company’s website. We use cookies on our website to:

    1. recognise you whenever you visit this website
    2. obtain information about your preferences, viewing and browsing behaviour, online movements and use of the Internet
    3. keep track of the items stored in your shopping basket and take you through the checkout process
    4. carry out research and statistical analysis to help improve our Services and to help us better understand our visitor and customer requirements and interests
    5. target our marketing and advertising campaigns and those of our business partners and advertisers more effectively by providing interest-based advertisements that are personalised to your interests
    6. make your online experience more efficient and enjoyable
    7. enable tighter security

    The information we obtain from our use of cookies may not contain your personal data. Although we may obtain information about your computer or other electronic device such as IP address, browser settings, browsing records, and/or other Internet log information, this may not be able to identify you personally. To the extent that non-personal data is combined with personal data, we treat the combined data as personal data for the purposes of this Privacy Policy Statement. In certain circumstances we may collect personal data about you, but only where you voluntarily provide it by completing an online form, or where you purchase goods from our website or use the Services.

    If you want to disallow the use of cookies, you can do so on your own web browser. If you disable cookies, you acknowledge that you may not be able to use some of the functionality of our website.

  15. LINKS
  16. This Privacy Policy Statement only applies to the Company’s website and Services. Our website may contain links to other sites and pages. By activating a link, such as for example by clicking on the banner of an advertiser, you leave our website and the Company does not exercise control over any personal data or any other information you give to any other entity after you have left our website. Access to and use of such other websites is at your own risk.

  18. If you have any query in relation to the Company’s privacy policy or you wish to access or correct your personal data held by us, you may contact us by writing to the following address:

    Mocter Verse Limited
    Unit B, 4/F, Prat Commercial Building
    17-19 Prat Avenue
    Tsim Sha Tsui
    Hong Kong

    For the attention of: Chief Operations Officer

    The Company reserves the right to charge you a reasonable fee for complying with a data access request as permitted by the PDPO.

    In the event of any discrepancy or inconsistency between the English and Chinese versions of this Privacy Policy, the English version shall prevail.

    We keep this Privacy Policy under regular review and place updates on our website from time to time.

Last Updated:

If you have created a site using our Service (“Users”), you are responsible for what you do with the personal information you collect, directly or through our website, about your end users (“End Users”).
If you are one of our Users, you will collect personal information about your End Users. For example, during checkout you may ask your End Users to provide their name, address, email address and payment information so that you can complete their orders. You may also use cookies and similar technologies to analyze usage and other trends.
You are solely responsible for complying with any laws and regulations that apply to your collection and use of your End Users’ information, including personal information you collect about them from us or using our Service functionality or cookies or similar technologies. You must publish your own privacy and cookie policies and comply with them.
We are not liable for your relationship with your End Users or how you collect and use personal information about them (even if you collect it from us or using our Service functionality or cookies or similar technologies) and we won’t provide you with any legal advice regarding such matters.
Your End Users’ payment information may be processed via third party payment processors with which you integrate your account, in accordance with such payment processors’ terms and policies. We transmit your End Users’ complete payment information when they initially provide or update it only so that we can pass it along to the payment processors you agree to use. We do not collect or store your End Users’ payment information.
If you use any third-party software in connection with our products or services, for example any third-party software that our Service integrates with, you might give the third-party software provider access to your account and information. Policies and procedures of third-party software providers are not controlled by us, and this policy does not cover how your information is collected or used by third-party software providers. We encourage you to review the privacy policies of third-party software providers before you use the third-party software.
Any changes to this Privacy Policy will be communicated by us posting an amended Privacy Policy on our website. The new Privacy Policy will become immediately effective once posted on our website or at a date specified by us. We may also in our discretion provide notice to you of any changes to the Privacy Policy. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on our website prior to the change becoming effective. Any information and/or personal data we hold about you (as described in this Privacy Policy and whether or not collected prior to or after the amended and restated Privacy Policy comes into effect) will be governed by the latest version of our Privacy Policy. We strongly encourage you to visit our website from time to time to review the Privacy Policy. Your continued use of our Services signifies your acceptance of the changes to the Privacy Policy.