Privacy Notice

信息保护声明

This Privacy Notice was last updated on 1st November 2021.

本信息保护声明最近一次更新是在2021年11月1日。

How CMB uses your or your employee’s personal information

招商银行如何使用您或您员工的个人信息

Your information will be held by China Merchants Bank Co., Ltd. (CMB), which is part of China Merchants Group. This privacy notice is to let you know how China Merchants Bank Co., Ltd promises to look after your personal information. This includes what you tell us about yourself, what learn by having you as a customer and the choices you make about what marketing you want us to send you. This notice also tells you about your privacy rights and how the law protects you.

您的信息将存于招商银行股份有限公司（简称“招商银行”），其隶属于招商局集团。本信息保护声明旨在让您了解招商银行股份有限公司如何妥善保存您的个人信息。您的个人信息包括您告知我们的个人信息，通过您成为我们客户而获取的信息，以及您对我们发送营销内容的选择。本声明还告知您有关您的信息保护权利以及法律如何保护您。

If you are a legal entity this Privacy Notice will also advise how CMB collects and uses any personal information belonging to your directors and other employees that you may supply CMB with. By submitting to CMB any of your directors’ and employee’ personal data it is implied that you have given CMB your permission to use their data under the terms of this policy.

如果您是一个法律实体，本信息保护声明还将说明招商银行如何收集和使用由您提供的属于您的董事及其他员工的任何个人信息。当您向招商银行提供您的董事和员工的个人信息时，代表您已允许招商银行根据本政策的条款使用相关信息。

Our privacy promise 我们的信息保护承诺

We promise that we will: 我们承诺我们将：

·         Keep your data secure and private; 保证你的信息安全和信息保护

·         Not to sell your data; 不出售你的信息

·         Provide you with ways to review and manage your marketing choices at any time. 提供协助便于您查阅和管理对营销内容的选择

This Notice is divided into the following three parts: 本声明分为以下三部分：

1.     Personal information and the law; this part tells you who we are, what your personal information is, and how we obtain it. It explains how the law protects you by controlling what is allowed and what happen to it.

个人信息和法律；这一部分向您介绍我们是谁，您的个人信息是什么，以及我们如何获得这些信息。它解释了法律如何通过规定允许的范围和发生的情况来保护您。

2.    Your control; this part covers how to complain or withdraw your consent. It also tells you how you can get a copy of your personal information, or ask for it to be changed or removed.

您的控制；这一部分包括如何投诉或撤回您的许可。它还向您解释如何获取您的个人信息的副本，或要求改变或删除信息。

3.     How personal information is used; this part tells you who CMB shares your personal information with. It explains how it is used in marketing, to provide credit, combat fraud and how this can affect you.

个人信息如何使用；这部分向您解释招商银行与谁分享您的个人信息。它解释了如何在营销中使用这些信息，以提供信贷，打击欺诈行为，以及这对您有什么影响。

I.             Personal information and the law 个人信息与法律

1.1       Who CMB is  有关招商银行

China Merchants Bank Co., Ltd is incorporated in the People's Republic of China with its registered office located at China Merchants Bank Tower, No. 7088 Shennan Boulevard, Futian District, Shenzhen, Guangdong, China.

China Merchants Bank Co., Ltd is also registered in England and Wales under Company No. FC028950 with its UK establishment No. BR013933 and its London Branch is located at 18/F 20 Fenchurch Street, London, EC3M 3BY.

China Merchants Bank Co., Ltd is authorised and regulated by China Banking and Insurance Regulatory Commission. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.

招商银行股份有限公司在中华人民共和国注册成立，其注册办公地址位于中国广东省深圳市福田区深南大道7088号招商银行大厦。

招商银行股份有限公司也在英格兰和威尔士注册，公司注册号为FC028950，其英国机构号为BR013933，其伦敦分行位于18/F 20 Fenchurch Street, London, EC3M 3BY。

招商银行股份有限公司由中国银行保险监督管理委员会批准和监管。伦敦分行经英国审慎监管局批准，受英国金融行为监管局的监管和审慎监管局的有限监管。关于我们受审慎监管局监管的内容，可向我们索取详细信息。

1.2       Contacting us about data privacy 就数据信息保护问题与我们联系

Please contact the Branch’s appointed Data Protection Officer (DPO) about any of the subjects contained in this Privacy Notice. The Branch’s appointed Data Protection Officer (DPO) is Tianyu Zhang who can be contacted through email at;  tianyu.zhang@uk.cmbchina.com or by phoning 0203 908 4600.

If you are resident in the P.R China, you could also contact the Legal and Compliance Department, China Merchants Bank Co., Ltd at China Merchants Bank Tower, No. 7088 Shennan Boulevard, Futian District, Guangdong, Shenzhen, China by email at; zongheshi_flb@cmbchina.com .

关于本信息保护声明中的任何内容，请联系伦敦分行指定的数据保护专员（DPO）。伦敦分行指定的数据保护专员是Tianyu Zhang，您可以通过电子邮件联系：tianyu.zhang@uk.cmbchina.com 或致电0203 908 4600。

如果您居住在中国，您也可以通过电子邮件联系招商银行股份有限公司法律与合规部，地址是中国广东省深圳市福田区深南大道7088号招商银行大厦，电子邮件地址是；zongheshi_flb@cmbchina.com 。

1.3       How the law protects you 法律如何保护您

In addition to the Privacy Notice we have given above, your privacy is protected by law. This part explains the legal reasons CMB relies upon for each of the ways CMB may use the personal information that has been collected.

除了上述信息保护声明，您的个人信息还受到法律的保护。本部分向您解释招商银行在使用所收集的个人信息的每一种方式时所依据的法律理由。

Data Protection law states that CMB is only allowed to use personal information if CMB has a proper reason to do so, including when the data is shared outside of CMB. Proper reason means that CMB must rely upon one or more of the following reasons:

·         In order to fulfil a contract CMB has with you; or

·         When it is our legal duty; or

·         When it is in our legitimate interest; or

·         When you consent to it; or

·         For reasons of substantial public interest; or

·         To establish, exercise or defend legal claims.

数据保护法规定，招商银行只允许在有适当理由的情况下使用个人信息，包括对外分享数据的情况。适当理由是指招商银行必须依据以下一个或多个理由：

·         为了履行招商银行与您之间的合同；或

·         当我们有相关法律义务时；或

·         当它符合我们的法定利益时；或

·         当您同意时；或

·         出于重大公共利益的原因；或

·         为了启动、行使或辩护法律索赔。

‘Legitimate interest’ means that CMB has a business or commercial reason of its own to use your information. For example, CMB will process personal data provided by you to pursue our legitimate business interests including to prevent fraud, for anti-money laundering administrative purposes or reporting potential crimes. However, if CMB is going to rely on ‘legitimate interest’ as the reason for using your data we will tell you what that interest is. However, even under these circumstances our interest must not unfairly go against your interests.

“法定利益 "是指招商银行有自己的业务或商业理由来使用您的信息。例如，招商银行将处理您提供的个人数据，以追求我们的法定商业利益，包括防止欺诈、反洗钱的目的或报告潜在的犯罪。然而，如果招商银行依据 "法定利益 "作为使用您的数据的理由，我们将告知您相关利益是什么。然而，即使在这些情况下，我们的利益也不能不公平地违背您的利益。

The law and other regulations treat some types of sensitive personal information as special. This includes information about racial or ethnic origin, sexual orientation, religious beliefs, trade union membership, health data, and criminal records. CMB will not collect or use these types of data without your consent unless the law allows us to do so. If we do, it will only be when it is necessary.

The following table lists the ways that CMB may use personal information and which of the above reasons CMB will rely on when it does so. The table is also where we tell you what CMB’s legitimate interests are.

法律和其他法规将某些类型的敏感个人信息视为特殊信息。这包括有关种族或民族血统、性取向、宗教信仰、工会成员信息、健康数据和犯罪记录等信息。除非法律允许的情况下，否则招商银行不会在未经您同意的情况下收集或使用这些类型的数据。如果我们这样做，也只有在必要的情况下。

下表列出了招商银行可能使用个人信息的方式，以及招商银行在使用时将依据上述哪些理由。该表也将解释招商银行的法定利益。

CMB uses your personal information for

招商银行将您的个人信息用于

CMB’s reasons for collecting, holding and using your data

招商银行收集、保存和使用您的数据的原因

CMB’s legitimate interests include

招商银行的法定利益包括

Serving you as a customer 为客户提供服务

·         Managing our relationship with you or your business;

维护我们与您或您的企业的关系；

·         Developing and carrying out marketing activities;

开展营销活动；

·         Studying how our customers use products and services provided by us and other organisations;

研究我们的客户如何使用我们和其他组织提供的产品和服务；

·         Communicating with you about our products and services.

与您就我们的产品和服务进行沟通。

·         Your consent;

·         Fulfilling contracts;

·         Our legitimate interests;

·         Our legal duty.

·       您的许可；

·       履行合同；

·       我们的法定利益；

·       我们的法律责任；

·         Ensuring our records are up to date, working out which of our products and services may interest you and telling you about them;

确保我们的记录更新及时，找出您可能感兴趣的产品及服务，并向您提供信息；

·         Developing products and services and what we will  charge for them;

开发产品和服务，以及我们收取的费用；

·         Identifying & defining types of customers for new products or services;

为新产品或服务识别和定义客户类型；

·         Seeking your consent when we need it to contact you;

当我们需要与您联系时，寻求您的同意。

·         Being efficient about how we fulfil our legal and contractual duties.

高效地履行我们的法律和合同义务。

Business improvement 业务发展

·         Testing new products;

·         Managing how we work with other companies that provide services to us and our customers;

·         Developing new ways to meet our customers' needs and to develop our business;

·       测试新产品。

·       管理我们与其他为我们和我们的客户提供服务的公司的合作方式。

·       拓展满足我们客户的需求的方式，并发展我们的业务。

·         Fulfilling contracts;

·         Our legitimate interests;

·         Our legal duty;

·       履行合同；

·       我们的法定利益；

·       我们的法律责任。

·         Developing products and services and what we will  charge for them;

·         Identifying & defining types of customers for new products or services;

·         Being efficient about how we fulfil our legal and contractual duties.

·       开发产品和服务，以及我们收取的费用；

·       为新产品或服务识别和定义客户类型；

·       高效地履行我们的法律和合同义务。

Managing our operations 运营管理

·         Delivering our products and services;

·         Making and managing customer payments;

·         Managing fees, charges and interest due on customer accounts;

·         The collection and recovery of money that is owed to us;

·         Managing and providing treasury and investment products and services;

·       提供产品和服务。

·       进行和管理客户的付款。

·       管理客户账户的费用、收费和利息。

·       归集和收回欠款。

·       管理和提供财务和投资产品和服务。

·         Fulfilling contracts;

·         Our legitimate interests;

·         Our legal duty;

·       履行合同；

·       我们的法定利益；

·       我们的法律责任。

·         Being efficient about how we fulfil our legal and contractual duties;

·         Complying with rules and guidance from regulators;

·       高效地履行我们的法律和合同义务。

·       遵守监管机构的法规和指导。

Managing security, risk and crime prevention 安全、风险管理及预防犯罪

·         Detecting, investigating, reporting, and seeking to prevent financial crime;

·         Managing risk for us and our customers;

·         Obeying laws and regulations that apply to us;

·         Responding to complaints and seeking to resolve them;

·           侦查、调查、报告和预防金融犯罪；

·           为我们和我们的客户管理风险；

·           遵守适用于我们的法律和法规；

·           回应投诉并寻求解决。

·         Fulfilling contracts;

·         Our legitimate interests;

·         Our legal duty;

·           履行合同。

·           我们的法定利益。

·           我们的法律责任。

·         Developing and improving how we deal with financial crime, as well as complying with our legal duties in this respect;

·         Complying with rules and guidance from regulators;

·         Being efficient about how we fulfil our legal and contractual duties;

·       发展和优化我们处理金融犯罪的方式，以及遵守我们在这方面的法律责任；

·       遵守监管机构的法规和指导；

·       高效地履行我们的法律和合同义务。

Business management 经营管理

·         Running our business in an efficient and proper way. Including managing our financial position, business capability, planning, adding and testing systems and processes, managing communications, corporate governance and audit;

·         The exercising of our rights set out in agreements or contracts;

·           以高效和适当的方式经营我们的业务，包括管理我们的财务状况、经营实力、规划、添加和测试系统和流程、沟通管理、公司治理和审计；

·           行使我们在协议或合同中规定的权利；

·         Our legitimate interests

·         Our legal duty;

·          Fulfilling contracts;

·           我们的法定利益

·           我们的法律责任；

·           履行合同；

·         Complying with rules and guidance from regulators;

·         Being efficient about how we fulfil our legal and contractual duties;

·       遵守监管机构的法规和指导；

·       高效地履行我们的法律和合同义务；

For processing special categories of personal data 处理特殊个人信息

·         Substantial public interest;

·         重大公共利益；

·         Using criminal records data to help prevent, detect, and prosecute unlawful acts and fraudulent behaviour;

·         Using criminal and health information as needed to provide insurance products;

·           使用犯罪记录数据来帮助预防、发现和起诉非法行为和欺诈行为。

·           根据需要使用犯罪和健康信息来提供保险产品。

·         Responding to regulatory requirements;

·         响应监管要求；

·         Showing whether we have properly assessed your situation;

·         Passing information to the appropriate regulator as required to allow investigation into whether we have acted properly;

·           表明我们是否对你的情况进行了适当的评估；

·           按照要求将信息传递给响应的监管机构，以便对我们是否采取了适当的行动进行调查。

·         Legal claims;

·         法律索赔；

·         Using any special categories of data as required to establish, exercise or defend legal claims;

·           根据需要使用特殊信息，以启动、行使或辩护法律索赔。

·         Consent;

·         许可

·         Telling you that we need your consent to process special categories of personal data, when that is what we rely on for doing so;

·           当我们需要取得您的许可来处理特殊类别的个人数据时，向您告知该信息的使用依据和目的

1.4       Groups of Personal Information 个人信息的类别

CMB may use a number of different kinds of personal information. In the following table these are grouped together and categorised in order for you to see what CMB may know about you. For example, CMB may obtain the data from seeing where you buy things. CMB does not use all this data in the same way although some of it is useful for marketing or for providing services to you. However, some of it is private and sensitive and CMB will treat it that way.

招商银行可能会使用不同种类的个人信息。在下表中，我们将信息分组和分类，以供您了解招商银行可能知道的信息。例如，招商银行可能会从您在何处购物获得数据。招商银行不会以相同的方式使用所有这些数据，尽管其中一些数据有助于市场营销或向您提供服务。然而，其中一些信息是私密且敏感的，招商银行将以响应方式处理。

Type of personal information

个人信息类别

Description

描述

Contact Data

联系数据

Your name, Address, telephone numbers and how to contact you.

你的姓名、地址、电话号码以及如何与你联系

Financial Data

财务数据

Your financial position, status and history.

你的财务状况、状态和背景经历。

Socio-Demographic Data

个人社会数据

This includes details about your work or profession, nationality, education, source of wealth and where you fit into general social or income groupings.

这包括您的工作或职业的详细信息、国籍、教育、财富来源以及以社会地位或收入进行的基础定位。

Transactional Data

交易数据

Details about payments into and out from your accounts with us and insurance claims you may make.

您在我行账户的收支细节以及您可能提出的保险索赔。

Contractual Data

合同数据

Details about the products or services CMB provide you with.

招商银行为您提供的产品或服务的详细信息。

Location Data

定位数据

Data obtained about where you are. This may come from your mobile phone or the place where you connect a computer to the internet.

所处位置的数据。这可能来自您的移动电话或电脑连接网络的地方。

CCTV Data

CCTV数据

There are CCTV cameras operating in the branch’s building for security and safeguard the branch premises.  

分行办公大楼里设有闭路电视摄像头，以保障分行的安全。

Behavioural Data

行为数据

Details about how you use products and services from us and other organisations.

关于您如何使用我们和其他机构的产品和服务的详细信息。

Technical Data

技术数据

Details on the devices and technology you use.

关于你所使用的设备和技术的详细信息。

Communications Data

通信数据

What we learn about you from letters and emails you write to us and conversations between us.

从您写给我们的信件和电子邮件以及我们之间的对话中了解到你的情况。

Social Relationships Data

社会关系数据

Your family, friends and other relationships.

你的家人、朋友和其他关系。

Open & Public Records Data

公开和公共记录数据

Details concerning you that are in public records, for example, the Electoral Register and information about you that is openly available on the internet.

公共记录中有关你的信息，例如，选举登记册和互联网上公开的有关你的信息

Usage Data

使用数据

Other data about how you use our products and services.

有关您如何使用我们的产品和服务的其他数据。

Documentary Data

文件数据

Details concerning you that are stored in documents in various formats or copies of them. For example your; ID card; passport; drivers licence or birth certificate.

储存在各种格式的文件或其副本中的与您相关的信息。例如，您的身份证；护照；驾驶执照或出生证明。

Special Data Types

特殊数据类型

The law and other regulations treats certain types of personal information as special. CMB will only collect and use these types of data if the law allows us to do so:

·         Racial or ethnic origin;

·         Religious, political or philosophical beliefs;

·         Trade union membership;

·         Genetic and bio-metric data, including facial image of staff;

·         Health data;

·         Lifestyle information, including data related to sex life or sexual orientation;

·         Criminal records of convictions and offences;

·         Allegations of criminal offences.

法律和其他法规将某些类型的个人信息视为特殊信息。招商银行只在法律允许的情况下收集和使用这类的数据：

l  种族或民族血统；

l  宗教、政治或哲学信仰；

l  工会成员信息；

l  基因和生物识别数据，包括工作人员的面部图像。

l  健康数据；

l  生活方式信息，包括与性生活或性取向有关的数据；

l  定罪和犯罪的犯罪记录；

l  对犯罪的指控。

Consent Data

同意许可数据

Any permissions, consents or preferences that you give us. This includes things like how you want us to contact you, whether you get paper statements, or prefer large-print formats

您提供给我们的许可、同意或偏好信息。这包括诸如您希望我们如何与您联系，您是否倾向于纸质回单，或偏好大号字体格式等。

National Identifier Data

国家识别码数据

A number or code given to you by a government to identify who you are, such as a National Insurance number or social security number, or Tax Identification Number (TIN)

政府颁发的用于识别身份的数字或代码，如国家保险号码或社会安全号码，或税务识别号码（TIN）

1.5       Where CMB collects personal information from  招商银行从何处收集个人信息

CMB may collect personal information about you (or your business) from other China Merchants Group companies and any of these sources:

招商银行可能会从招商银行其他公司和以下来源收集有关您（或您的企业）的个人信息。

·         Data you provide us with;

o    When you apply for our products and services

o    When you talk to us on the phone or in a branch, including recorded calls and notes we make;

o    When you use our websites or mobile device apps;

o    In emails, Hatcheck and letters;

o    In insurance claims or other documents;

o    In financial reviews and interviews;

o    In customer surveys;

o    If you take part in our competitions or promotions.

·       您在以下场景向我们提供的数据；

o   当您申请我们的产品和服务时

o   当您在电话中或在分行与我们交谈时，包括我们所做的电话录音和笔记。

o   当您使用我们的网站或移动设备应用程序时。

o   在电子邮件、衣帽存放和信件中。

o   在保险索赔或其他文件中。

o   在财务回顾和访谈中。

o   在客户调查中。

o   如果您参加我们的竞赛或营销活动。

·         Data we collect when you use our services;

在你使用我们的服务时收集的数据；

·         This includes details about how and where you access our services and the account activity that is shown on your statement including:

这包括您如何及在何处使用我们的服务，以及您的对账单上显示的账户信息包括：

o    Transaction & payment data; including the amount, frequency, type, location, origin and recipients. If you borrow money, it also includes details of repayments and whether they are made on time and in full.

交易和支付数据；包括金额、频率、类型、地点、来源和收款人。如果您有借贷，它还包括还款信息以及是否按时和全额还款。

o    Profile and usage data; including the security details you create and use to connect to our services including your settings and marketing choices. CMB also gathers data from the devices you use to connect to our digital banking services. CMB also use cookies and other internet tracking software to collect data while you are using our digital services. More information about this is available in our cookies policy.

个人资料和使用数据；包括您创建和连接至我们服务的安全信息，包含您的设置和营销选择。招商银行也从您用于连接我们的数字银行服务的设备中收集数据。在您使用我们的数字服务时，招商银行也使用cookies和其他互联网追踪软件来收集数据。有关这方面的更多信息，请见我们的网站浏览信息数据政策。

·         Data from outside organization;

来自机构外部的数据

o    Companies that introduce you to us; 将您介绍给我们的机构；

o    Financial advisers; 财务顾问；

o    Credit card providers; 信用卡供应商；

o    Credit reference agencies; 征信机构；

o    Insurers; 保险公司；

o    Retailers; 零售商；

o    Social networks; 社交网络；

o    Fraud prevention agencies; 防欺诈机构；

o    Other financial services companies; 其他金融服务公司；

o    Employers; 雇主；

o    Payroll service providers; 薪资代发服务提供方；

o    Land agents; 土地代理；

o    Public information sources such as the Electoral Register or Companies House;  公共信息来源，如选举登记处或公司注册信息；

o    Agents, suppliers, sub-contractors and advisers; 代理商、供应商、分包商和顾问

o    Market researchers; 市场研究人员

o    Government and law enforcement agencies. 政府和执法机构。

1.6       How long CMB keeps your personal information 招商银行将您的个人信息保存多长时间

CMB will keep your personal information for as long as you are a customer and may keep your data for up to 10 years after you stop being a customer. The reasons we may do this are:

只要您是我行客户，招商银行将保留您的个人信息，并可能在您终止成为我行客户后保留您的数据至最长十年。我们可能这样做的原因是：

·         To respond to a question or complaint or to show whether we treated you fairly;

为了回应问题或投诉，或体现我们是否公平对待您。

·         To study customer data as part of our own internal research;

研究客户数据，作为我们自己内部研究的一部分。

·         To obey rules that apply to us about keeping records.

为了遵守适用于我们的记录保存规定。

CMB may also keep your data for longer than 10 years if it cannot be deleted for legal, regulatory or technical reasons. As an example, in cases of subsidence (Subsidence is when a building becomes unsafe or damaged by ground sinking around it).

如果由于法律、法规或技术原因无法删除您的数据，招商银行也可能将其保留超过10年。例如，在地陷的情况下（地陷是指建筑物因其周围地面下沉而变得不安全或受损）。

CMB will keep insurance claims data for up to 15 years after you stop being a customer.

招商银行将在您终止成为客户后保留保险索赔数据至最长15年。

CMB will only use your personal information for those purposes and will make sure that your privacy is protected.

招商银行只会将您的个人信息用于这些目的，并确保您的个人信息得到保护。

1.7       If you choose not to give personal information 如果你选择不提供个人信息

You can choose not to provide us with personal information but this will have implications.

您可以选择不向我们提供个人信息，但这将产生相应的影响。

CMB may need to collect personal information by law or to enter into or fulfil a contract CMB has with you.

招商银行可能需要依法收集个人信息，或者为了签订或履行招商银行与您签订的合同。

If you choose not to provide us this personal information it may delay or prevent us from fulfilling our contract with you or complying with our legal or regulatory obligations. It may also mean that we cannot maintain your accounts and also mean that we must cancel a product or service you have with us.

如果您选择不向我们提供这些个人信息，可能会延迟或阻止我们履行与您的合同或遵守我们的法律或监管义务。这也可能意味着我们无法维护您的账户，也意味着我们必须取消您在我们这里的产品或服务。

CMB may sometimes ask for information that is useful but not required by law or a contract. We will make this clear when we ask for it. You do not have to give us these extra details and it won't affect the products or services you have with us.

招商银行有时会要求提供有关的但非法律或合同要求的信息。我们会在提出要求时明确说明。您不必向我们提供这些额外的信息，这也不会影响您使用我们的产品或服务。

1.8       Cookies 网站浏览信息数据

Cookies are small computer files that get sent down to your PC, tablet or mobile phone by websites when you visit them. They stay on your device and get sent back to the website they came from, when you go there again. Cookies store information about your visits to that website, such as your choices and other details. Some of this data does not contain personal details about you or your business but it is still protected by this Privacy Notice.

Cookies是当您访问网站时由网站发送至您的电脑、平板电脑或移动手机上的小型电脑文件。它们被保存在您的设备上，当你再次访问该网站时，将会被发送回网站。Cookies储存了关于你访问该网站的信息，如你的选择和其他细节。其中一些数据并不包含关于您或您的企业的个人信息，但它仍然受到本信息保护声明的保护。

To find out more about how CMB uses cookies, please refer to our Cookie Policy.

如需了解更多关于招商银行如何使用网站浏览数据的信息，请参考我们的网站浏览数据政策。

II.             The Control You Have 您的控制权

2.1       How to complain 如何申诉

If you are not happy with how we have used your personal information you may contact us directly through our appointed Data Protection Officer whose contact details are above or alternatively follow the procedure detailed in our Complaints Policy.

You also have the right to complain to the regulator and to lodge an appeal if you are not happy with how we have handled your complaint. In the UK this is the Information Commissioner’s Office. You may find out on their website how to report a concern.

如果您对我们使用您的个人信息的方式不满意，您可以通过我们指定的数据保护专员直接与我们联系，其联系方式见上文，或者按照我们的投诉政策中详述的程序进行。

如果您对我们处理投诉的方式不满意，您也有权向监管机构投诉并提出上诉。在英国您可以联系信息公署办公室。你可以在他们的网站上了解如何进行投诉。

2.2       How to withdraw your consent 如何撤销你的许可

If you no longer want us to hold or use your personal information you can withdraw your consent at any time. Please contact us if you want to do so.

如果您不再希望我们持有或使用您的个人信息，您可以在任何时候撤回你的同意。如果您想这样做，请联系我们。

This will only affect the way we use information when our reason for doing so is that we have your consent. See 2.6 your rights about more generally restricting use of your information.

这只会影响我们需要您的同意许可才能使用您的信息的情况。请参阅2.6您的权利以了解对使用您的信息的普遍限制。

If you withdraw your consent CMB may not be able to provide certain products or services to you. If this is so, we will tell you.

如果您撤回您的许可，招商银行可能无法向您提供某些产品或服务。如遇到该情况，我们会告知您。

2.3       Letting us know if your personal information is incorrect 如果您的个人信息不正确，如何通知我们

If you think the information CMB holds for you is wrong, incomplete or out of date you have the right to question any information CMB has about you that you think is incorrect. We will then take reasonable steps to check this for you and correct it.

If you want to do this you can visit the Branch or contact us directly through our appointed Data Protection Officer whose contact details are above. Calls may be monitored or recorded.

如果您认为招商银行持有的您的信息是错误的、不完整的或过时的，您有权对您认为不正确的信息提出质疑。我们将采取合理措施为您检查并修正。

如果您想这样做，您可以访问分行或通过我们指定的数据保护专员直接联系我们，其联系方式见上文。通话可能会被监控或录音。

2.4       How to get a copy of your personal information 如何获得您的个人信息的副本

You can get a copy of all the personal information CMB holds about you by writing to this address:

China Merchants Bank London Branch 

18/F, 20 Fenchurch Street,

London

EC3M 3BY

您可以通过写信至以下地址获取招商银行持有的关于你的所有个人信息的副本。

招商银行伦敦分行 

18/F, 20 Fenchurch Street,

London

EC3M 3BY

2.5       When you want to share your data with outside companies 当您需要与外部机构分享您的数据时

You also have the right to get certain personal information from us as a digital file so you can use it yourself or give it to other organisations if you choose so. If you wish, we will provide it to you in an electronic format that can be easily re-used, or you can ask us to pass it on to other organisations for you.

您也有权从我们这里获得某些个人信息的电子文件，以供个人自用，或者根据您的选择将其提供给其他机构。如果您希望这样做，我们会以电子形式提供给您，方便您重复使用，或者您可以要求我们为你发送至其他机构。

2.6       Your rights 您的权利

You can object to us keeping or using your personal information, this is referred to as the ‘right to object’.

您可以反对我们保留或使用你的个人信息，这是 "反对权"。

You can also request us to delete, remove or stop using your personal information if there is no need for us to keep it. This is known as the ‘right to erasure’ or the ‘right to be forgotten’.

如果没有必要保留您的个人信息，您也可以要求我们删除、移除或停止使用您的个人信息。这是 "删除权 "或 "被遗忘权"。

However, there may be legal or other official reasons why CMB needs to keep or use your data. Nevertheless, please tell us if you believe that we should not be using it.

然而，可能有法律或其他正式原因，招商银行需要保留或使用您的数据。尽管如此，如果您认为我们不应该使用这些数据，请告知我们。

CMB may sometimes be able to restrict the use of your data. This means that it can only be used for certain things, such as legal claims or to exercise legal rights.

招商银行有时可以对数据使用做出限制。这意味着它只能被用于某些事宜，如法律索赔或行使法律权利。

You can ask us to restrict the use of your personal information if:

你可以要求我们对数据使用做出限制，如果：

·         It is not accurate; 数据并不准确；

·         It has been used unlawfully but you don’t want us to delete it; 数据被非法使用，但您不希望我们删除它。

·         It is not relevant any more, but you want us to keep it for use in legal claims;  数据已经不再相关，但您希望我们保留它以用于法律索赔；

·         You have already asked us to stop using your data but you are waiting for us to tell you if we are allowed to keep on using it. 您已经要求我们停止使用您的数据，但您在等待我们告知您是否被允许继续使用该数据。

If we do restrict your information in this way we will not use or share it in other ways while it is restricted.

If you want to object to how we use your data or ask us to delete or restrict how we use it you can contact us directly through our appointed Data Protection Officer whose contact details are above. Calls may be monitored or recorded.

如果我们对信息使用做出限制，在限制期间，我们不会以其他方式使用或对外分享它。

如果你想反对我们使用你的数据的方式，或要求我们删除或限制我们的使用方式，你可以通过我们指定的数据保护专员直接联系我们，其联系方式见上文。通话可能被监控或录音。

 

III.             How Personal Information is Used 个人信息的使用方式

3.1       Who we share your personal information with 我们与谁分享您的个人信息

Below are the types of organisation that CMB may share your personal information with in order that CMB can then provide you with products and services, run its business and comply with its legal and regulatory obligations.

以下是招商银行可能与之分享您的个人信息的机构类型，以便招商银行能够向您提供产品和服务，经营业务及遵守法律和监管义务。

China Merchants Bank Group 招商银行

CMB may share your personal information with other companies in China Merchants Bank Group.

招商银行可能与招商银行的其他公司分享您的个人信息。

Government Authorities 政府机构

This includes: 这包括：

·         Central and local governments

中央和地方政府

·         HM Revenue & Customs, regulators and other tax authorities

英国税务及海关总署、监管机构和其他税务机构

·         UK Financial Services Compensation Scheme and other deposit guarantee schemes

英国金融服务补偿计划和其他存款担保计划

·         Law enforcement and fraud prevention agencies.

执法和防欺诈机构

Banking and financial services 银行和金融服务

This includes outside companies CMB works with to provide services to you and to run its business.

这包括招商银行为提供服务和经营业务而合作的外部公司。

·         Agents, suppliers, sub-contractors and advisers;

代理人、供应商、分包商和顾问

·         Agents who help us to collect what is owed to us;

帮助我们收取所欠款项的代理人

·         Credit reference agencies;

征信机构

·         Someone linked with you or your business’s product or service;

与您或您的企业的产品或服务相关人士

·         Other financial services companies to help prevent, detect and prosecute unlawful acts and fraudulent behaviour;

其他金融服务公司，以帮助预防、发现和起诉非法行为和欺诈行为

·         Independent Financial Advisors;

独立财务顾问

·         Employers;

雇主

·         Companies you ask us to share your data with.

您要求我们与之分享您的数据的公司。

Insurers 保险公司
CMB shares personal information with insurance industry companies to process claims and help reduce fraud. If you apply for insurance through CMB we may pass your personal or business details to the insurer.

招商银行与保险业公司共享个人信息，以处理索赔和协助减少欺诈。如果您通过招商银行申请保险，我们可能会将您的个人或商业信息传递给保险公司。

Other services and schemes 其他服务和计划

Organisations that we may need to share your personal information with because of what you can do with the product or service you receive from us.

因为产品或服务需要，我们可能需要与外部机构分享您的个人信息的组织。

 

·         If we provide you with a debit or credit card we will share transaction details with companies which help us to provide this service for example, Visa or MasterCard. 

如果我们为您提供借记卡或信用卡，我们将与帮助我们提供这项服务的公司分享交易细节，例如，Visa或Mastercard。 

·         If you use direct debits we will share your data with the Direct Debit scheme.

如果您使用自动扣款，我们将与自动扣款协议分享你的数据。

·         If you have a product with benefits such as travel insurance we will share your data with the benefit providers.

如果您选择含配套福利的产品例如含旅游保险，我们将与福利服务提供方分享您的数据。

·         If you have a secured loan or mortgage with us we may share information with other lenders who also hold a charge on the property.

如果你在我行办理按揭或抵押贷款，我们可能会与其他贷方分享信息。

 

General business requirements 一般业务要求

Outside companies CMB uses to help grow and improve its business, including:

招商银行用来帮助发展和改善其业务的外部公司，包括：

·         Market researchers, we may send data which these firms combine with data from other sources to produce market trend reports and advice.

市场研究人员，我们可能会发送相关数据，这些公司将这些数据与其他来源的数据相结合，以出具市场趋势报告和建议。

·         Advisers who help us to come up with new ways of doing business, this might be a legal firm, IT supplier or consultancy.

帮助我们拓展新的业务方式的顾问，例如律师事务所、IT供应商或咨询公司。

·         Company mergers and takeovers, we may also share your personal information if the make-up of China Merchants Bank Group changes in the future:

公司兼并和收购，如果未来招商银行的组织架构发生变化，我们也可能分享您的个人信息。

·         CMB may choose to sell, transfer, merge parts of its business or assets or may try to bring other businesses into China Merchants Bank Group.

招商银行可能会选择出售、转让、合并部分业务或资产，或尝试将其他业务纳入招商银行。

·         During any such process CMB may share your data with other parties involved. CMB will only do this if they agree to keep your data safe and private.

在任何招商银行可能与其他相关方分享您的数据的情况，只有在他们同意保护您的数据安全和个人信息的情况下，招商银行才会这样做。

·         If the change to our Group happens then other parties may use your data in the same way as set out in this notice.

如果我们集团发生变化，那么其他各方会以本声明中规定的相同方式使用您的数据。

3.2       How CMB works out what marketing you receive 招商银行如何制定您收到的营销内容

CMB may use your personal information to make decisions about what products, services and offers we think you may be interested in.

招商银行可能使用您的个人信息来决定我们认为您可能感兴趣的产品、服务和优惠。

CMB can only use your personal information to send you marketing messages if it has either your consent or a ‘legitimate interest’. That is when CMB has a business or commercial reason to use your information. It must not conflict unfairly with your own interests.

招商银行只有在得到您的同意或有 "法定利益 "的情况下才会使用您的个人信息向您发送营销信息。即当招商银行有业务或商业理由来使用您的信息时。它不能与您个人利益发生不公平的冲突。

As noted above the personal information CMB has for you is made up of what you tell us and data collected when you use our services or from outside organisations CMB works with. We study this to form a view on what we think you may want or need or what may be of interest to you. This is how we decide which products or services may be relevant for you.

如上所述，招商银行获取的您的个人信息是由您提供，以及您在使用我们的服务或通过招商银行合作的外部机构收集的数据组成。我们研究这些信息，以形成我们认为您可能想要或需要，或您可能感兴趣的事宜的观点。这就是我们决定哪些产品或服务可能与您有关的方式。

This is called profiling for marketing purposes. You can contact us at any time and ask us to stop using your personal information this way.

这被称为以营销为目的的特征分析。您可以在任何时候联系我们，要求我们停止以这种方式使用你的个人信息。

If you allow it we may show or send you marketing material online via our own and other websites including social media or by email, mobile phone or post.

如果您允许，我们可能会通过我们自己的网站和其他网站包括社交媒体，或通过电子邮件、移动电话或邮寄，向您展示或发送营销材料。

What you get will depend on marketing choices that you set. You can change these at any time and tell us to stop sending you marketing.

您收到的内容将取决于你设置的营销选择。您可以在任何时候改变选择，并要求我们停止向您发送营销内容。

You can also tell us not to collect data while you are using our websites or mobile apps. If you do, you will still see some marketing but it will not be tailored to you. See our Cookies Policy for details about how we use this data to improve our websites and mobile apps.

您也可以要求我们在您使用我们的网站或移动应用程序时不要收集数据。如果您这样做，您仍然会看到部分营销内容，但它不是为你量身定做的。关于我们如何使用这些数据来改进我们的网站和移动应用程序，请参阅我们的网站浏览信息数据政策。

Whatever you choose you will still receive statements and other important information such as changes to your existing products and services.

无论您的选择，您仍然会收到回单和其他重要信息，如您现有产品和服务的变化。

CMB does not sell the information we have about you to outside organisations.

招商银行不会将我们掌握的有关您的信息出售给外部机构。

We may ask you to confirm or update your choices if you take out any new products or services with us in future. We will also ask you to do this if there are changes in the law, regulation or the structure of our business.

如果您今后选择我行任何新产品或服务，我们可能会要求您确认或更新您的选择。如果法律、法规或我们的业务结构发生变化，我们也会要求您这样做。

If you change your mind you can contact us to update your choices at any time.

如果您改变主意，您可以随时联系我们更新您的选择。

3.3       How CMB uses your information to make automated decisions 招商银行如何使用您的信息来进行自动决策

CMB sometimes use systems to make automated decisions about you or your business. This helps us to make sure our decisions are quick, fair, efficient and correct and based on what we know. Automated decisions can affect the products, services or features CMB may offer you now or in the future or the price that CMB charges you for them. They are based on personal information that CMB has or allowed to collect from others.

招商银行有时会使用系统来对您或您的企业做出自动决策。这有助于我们确保我们的决定是快速、公平、高效和正确的，且是基于我们已知信息的。自动决策可能会影响招商银行现在或将来可能向您提供的产品、服务或功能，或招商银行向您收取的费用。它们是基于招商银行拥有或允许从他人那里收集的个人信息。

The following are the types of automated decisions CMB may make:

以下是招商银行可能进行的自动决策的类型：

Pricing 定价 
CMB may decide what to charge for some products and services based on what we know.

招商银行可能会根据我们所了解的情况来决定一些产品和服务的收费。

Tailoring products, services and marketing定制产品、服务和营销

CMB may place you in groups with similar customers called customer segments. We use these to study and learn about our customers’ needs and to make decisions based on what we learn. This helps us to design products, services and offers for different customer segments and to manage our relationships with them. It also helps us tailor the marketing that individuals receive or are shown on our website and social media.

招商银行可能会将您与类似的客户分组即为客群细分。我们利用客群细分来研究和了解我们客户的需求，并根据我们所了解的情况作出决定。这有助于我们为不同的客户群设计产品、服务和报价，并维护客户关系。它还帮助我们定制客户收到的或在我们的网站和社交媒体上展示的营销内容。

Detecting fraud识别欺诈行为

CMB uses your personal information to help decide if your personal or business accounts may be being used for fraud or money-laundering. We may detect that an account is being used in ways that fraudsters work or we may notice that an account is being used in a way that is unusual for you or your business. If we think there is a risk of fraud we may stop activity on the accounts or refuse access to them.

招商银行使用您的个人信息来帮助决定您的个人或企业账户是否可能被用于欺诈或洗钱。我们可能会检测出账户的使用与骗子的使用方式类似，或者我们可能注意到一个账户的使用方式对您或您的企业来说是不寻常的。如果我们认为存在欺诈的风险，我们可能会停止账户的活动或拒绝使用。

Account opening 开立账户

When you open an account with CMB we check that the product or service is relevant for you based on what we know. We also check that you or your business meet the conditions needed to open the account. This may include checking age, residency, nationality or financial position.

当您在CMB开立账户时，我们会基于我们所了解的信息，检查该产品或服务是否适合您的情况。我们也会检查您或您的企业是否符合开户所需的条件。这可能包括了解年龄、居住地、国籍或财务状况。

Credit approval 信贷审批

We use a system to decide whether to lend money to you or your business when you apply for credit such as a loan. This is called credit scoring. It uses past data to assess how you’re likely to act while paying back any money you borrow. This includes data about similar accounts you may have had before. Credit scoring uses data from three sources:

当你申请信贷（如贷款）时，我们使用一个系统来决定是否向你或你的企业发放贷款。这被称为信用评分。它使用过去的数据来评估你在偿还任何借款时的可能行为。这包括你以前可能有过的类似账户的数据。信用评分使用三个来源的数据。

·         Your application form; 您的申请表格；

·         Credit reference agencies; 征信机构；

·         Data CMB may already hold. 招商银行已有数据。

It gives an overall assessment based on this. Banks and other lenders use this to help us make responsible lending decisions that are fair and informed. Credit scoring methods are tested regularly to make sure they are fair and unbiased.

它在此基础上给出一个总体评估。银行和其他贷方利用该评估方式做出公平且信息充分的负责任的贷款决定。信用评分方法会定期测试，以确保它们是公平和公正的。

Your rights over automated decisions 针对自动决策您的权利

As a person you have rights over automated decisions.

针对自动决策，作为个人您享有相应的权利。

·         You can ask that we do not make our decision based on the automated score alone;

您可以要求我们不要只根据自动评分来做决定；

·         You can object to an automated decision and ask that a person reviews it.

您可以反对自动决策，并要求人工审查决策结果。

If you want to know more about these rights please contact us.

如果您想了解关于这些权利的更多信息，请联系我们。

3.4       Credit Reference Agencies (CRAs) 征信机构（CRAs）

CMB undertakes credit and identity checks when you apply for a product or services for you or your business. CMB may use Credit Reference Agencies to help with this.

当您为个人或您的企业申请产品或服务时，招商银行会进行信用和身份审查。招商银行可能会使用征信机构来帮助进行这项工作。

If you use our services from time to time we may also search information that the CRAs have in order to help us manage those accounts. CMB will share your personal information with CRAs and they will give us information about you. The data we exchange can include:

如果您偶尔使用我们的服务，我们也可能会搜索征信机构持有的信息，以帮助我们管理您的账户。招商银行会与征信机构分享您的个人信息，他们也将向我们提供有关您的信息。我们交换的数据可能包括

·         Name, address and date of birth; 姓名、地址和出生日期；

·         Credit application; 信贷申请；

·         Details of any shared credit; 任何共享信贷的细节；

·         Financial situation and history; 财务状况和历史；

·         Fraud prevention information; 防欺诈信息；

·         Public information, from sources such as the Electoral Register and Companies House.

公共信息，来自选举登记处和公司注册信息等来源。

CMB will use this data to: 招商银行将使用这些数据来:

·         Assess whether you or your business is able to afford to make repayments; 评估你或你的企业是否有能力进行还款；

·         Make sure what you’ve told us is true and correct; 确保你所告知我们的内容是真实且正确的；

·         Help detect and prevent financial crime; 帮助检测和预防金融犯罪；

·         Manage your accounts with us; 管理您在我行的账户

·         Trace and recover debts; 追踪和收回债务；

·         Tell you about relevant offers. 向您提供相关优惠信息。

CMB will continue to share your personal information with CRAs for as long as you are a customer. This will also include details of funds going into the account and the account balance. If you borrow it will also include details of your repayments and whether you repay in full and on time. CMB will also tell the CRAs when you settle your accounts. The CRAs may give this information to other organisations that want to check your credit status.

只要您还是我们客户，招商银行将持续与征信机构分享您的个人信息。这也将包括汇入账户的资金和账户余额等信息。如果您有贷款，这还将包括您的还款细节，以及您是否全额和按时还款。招商银行还将告知征信机构您何时结清贷款。征信机构可能会将这些信息提供给其他想要了解您的征信情况的机构。

When we ask CRAs about you or your business the CRA will note it on your credit file and other lenders may see this. Additionally, we may see credit searches from other lenders.

当我们向征信机构询问了解您或您的业务时，征信机构会在您的信用档案中注明，其他贷方可能会看到这一点。此外，我们可能会看到其他贷方的征信调查。

If you apply for a product with someone else CMB will link your records with those of the CRAs. CMB will do the same if you tell us you have a spouse, partner or civil partner or that you are in business with other partners or directors.

如果您与他人联名申请产品，招商银行会把您的记录与联名人的征信记录关联起来。如果您告知我们您有配偶、伴侣或法定伴侣关系，或者您与其他合作伙伴有业务往来，招商银行也会这样操作。

You should tell them about this before you apply for a product or service. It is important that they know your records will be linked together and that credit searches may be made on them.

在您申请产品或服务之前，您应该告知他们这一点。重要的是，他们需要知道你们的记录将被关联在一起，并可能对他们进行征信调查。

The CRAs will also link your records together. These links will stay on your files unless one of you asks the CRAs to break the link. You will normally need to give proof that you no longer have a financial link with each other.

征信机构也会将你们的记录关联在一起。这些关联将保留在你们的档案中，除非你们其中一方要求征信机构中断关联。你们通常需要提供证据，证明你们彼此之间不再有财务联系。

You can find out more about the CRAs on their websites, in their Credit Reference Agency Information Notice. This includes details about:

您可以在征信机构的网站上找到更多信息，在他们的征信机构信息公告中。这包括以下细节：

·         Who they are; 他们是谁；

·         Their role as fraud prevention agencies; 他们作为防欺诈机构的功能；

·         The data they hold and how they use it; 他们持有的数据及数据使用；

·         How they share personal information; 他们如何分享个人信息；

·         How long they can keep data; 他们持有相关数据信息的时长；

·         Your data protection rights. 您的数据保护权利。

Below are links to the information notice (CRAIN) for each of the three main UK-based CRAs:

以下是三个英国主要的征信机构的信息公告链接：

Callcredit

Equifax

Experian

3.5       Fraud prevention agencies 防欺诈机构

This section deals with information we share outside CMB group to help fight financial crime including fraud, money-laundering and terrorist financing.

本部分涉及我们向集团外分享的信息，以帮助打击金融犯罪，包括欺诈、洗钱和恐怖主义融资。

We may need to confirm your identity before we provide products or services to you or your business. This may include carrying out fraud checks at the point of sale.

在我们向您或您的企业提供产品或服务之前，我们可能需要核实您的身份。这可能包括在销售过程中进行欺诈审查。

Once you have become a customer of ours, we will share your personal information as needed to help combat fraud and other financial crime. The organisations we share data with are:

一旦您成为我们的客户，我们将根据需要分享您的个人信息，以帮助打击欺诈和其他金融犯罪。我们与之共享数据的组织是：

·         Registered Fraud Prevention Agencies (FPAs); 注册预防欺诈机构；

·         Other agencies and bodies acting for the same purpose; 其他为相同目的而行动的机构和实体；

·         Industry databases used for this purpose; 用于此目的的行业数据库；

·         Insurers. 保险公司。

Throughout our relationship with you we and these organisations exchange data between ourselves to help prevent, deter, detect and investigate fraud and money-laundering.

在我们与您有服务或其他关系期间，我们和这些机构之间交换数据，以帮助预防、阻止、检测和调查欺诈和洗钱。

None of us can use your personal information unless we have a proper reason to do so. It must be needed either for us to obey the law or for a ‘legitimate interest’.

除非在有适当理由的情况下，我们任何机构都不能使用您的个人信息。它必须是我们遵守法律或出于 "法定利益 "的需要。

As noted above when we have a business or commercial reason of our own to use your information this is called a ‘legitimate interest’. We will tell you what that is, if we are going to rely on it as the reason for using your data. Even then, it must not unfairly go against your interests.

如上所述，当我们有自己的业务或商业理由来使用您的信息时，这被称为 "法定利益"。如果我们要依据它作为使用您的数据的理由时，我们会向您提供解释。即使如此，它也不能不公平地违背你的利益。

We will use the information to: 我们将使用这些信息来:

·         Confirm identities; 确认身份；

·         Help prevent fraud and / or money-laundering; 帮助防止欺诈和/或洗钱；

·         Fulfil any contracts you or your business has with us. 履行与您或您的企业签订的任何合同。

We or an FPA may allow law enforcement agencies to access your personal information. This is to support their duty to prevent, detect, investigate and prosecute crime.

我们或其他防欺诈机构可能允许执法机构访问您的个人信息。这是为了协助他们预防、侦查、调查和起诉犯罪的职责。

These other organisations can keep personal information for different lengths of time, up to six years.

这些其他机构保存个人信息的时长有所不同，最长可达6年。

The information we use 我们使用的信息

These are some of the kinds of personal information that we use:

以下是部分我们使用的个人信息的种类：

·         Name 姓名

·         Date of birth 出生日期

·         Residential address 居住地址

·         History of where you have lived 过往居住地址历史

·         Contact details, such as email addresses and phone numbers 联系方式，例如邮箱地址和电话号码

·         Financial data 财务数据

·         Whether you have been a victim of fraud 是否曾是欺诈受害者

·         Data about insurance claims you have made 保险索赔数据

·         Data relating to your or your businesses products or services 与您或您的企业的产品或服务相关数据

·         Employment details 就业情况

·         Vehicle details 载体情况

·         Data that identifies computers or other devices you use to connect to the internet. This includes your Internet Protocol (IP) address. 识别您用来连接互联网的计算机或其他设备的数据。这包括你的互联网协议（IP）地址。

3.6       Automated decisions for fraud prevention 预防欺诈的自动决定

The information we have for you or your business is made up of what you tell us and data we collect when you use our services or from third parties we work with.

我们拥有的关于您或您的企业的信息是由您向我们提供以及我们在您使用我们的服务时或从我们合作的第三方收集的数据组成的。

CMB and other organisations acting to prevent fraud may process your personal information in systems that look for fraud by studying patterns in the data. We may find that an account or policy is being used in ways that fraudsters work or we may notice that an account is being used in a way that is unusual for you or your business. Either of these could indicate a risk that fraud or money-laundering may be carried out against a customer, the bank or the insurer.

招商银行和其他防欺诈机构可能会在通过研究数据中的固定模式来识别欺诈的系统中处理您的个人信息。我们可能会检测出账户的使用与骗子的使用方式类似，或者我们可能注意到一个账户的使用方式对您或您的企业来说是不寻常的。任一情况都可能表明存在对客户、银行或保险公司进行欺诈或洗钱的风险。

If we or an FPA decide there is a risk of fraud, we may stop activity on the accounts or block access to them. FPAs and cross-industry organisations may also keep a record of the risk that you or your business may pose.

如果我们或防欺诈机构认为存在欺诈的风险，我们可能会停止账户的活动或阻止对它们的访问。防欺诈机构和跨行业组织也可能保留对您或您的企业可能构成的风险的记录。

This may result in other organisations refusing to provide you with products or services, or to employ you.

这可能导致其他组织拒绝向您提供产品或服务，或拒绝雇用您。

FPAs and other organisations we share data with for these purposes may send personal information to countries outside the UK. When they do, there will be a contract in place to make sure the recipient protects the data to the same standard as the UK. This may include following international frameworks for making data sharing secure.

防欺诈机构和其他我们为此目的与之共享数据的组织可能会将个人信息传递至英国以外的国家。当他们这样做时，将有一个合同以确保信息接收方会以与英国相同的标准保护数据。这可能包括遵循国际框架，以确保数据共享安全。

3.7       Data transfers out of the UK 向英国境外传递数据

This section tells you about the safeguards that keep your personal information safe and private, if it is sent outside the UK.

本部分向您解释如果您的个人信息被发送至英国境外，有哪些保障措施可以保证您个人信息的安全和保护。

We will only send your data outside of the UK to:

我们只会在以下情况将您的数据发送至英国境外:

·         Follow your instructions; 遵循您的指示；

·         Comply with a legal duty; 遵守法律义务；

·         Work with our suppliers who help us to run your accounts and services. 与运营您的账户及提供服务的供应商合作。

If we do transfer your personal information outside the UK to our suppliers, we will make sure that it is protected to the same extent as in the UK. We will use one of these safeguards:

如果我们需要将您的个人信息传递至英国境外的供应商，我们将确保个人信息受到与英国相同程度的保护。我们将使用以下其中一种保障措施:

·         Transfer it to a country outside of the UK with privacy laws that give the same protection as the UK; 将信息传递至英国境外，其个人信息保护条例与英国保持相同保护标准的地区；

·         Put in place a contract with the recipient that means they must protect it to the same standards as the UK. 与信息接收方签订合同，这意味着他们必须以与英国相同的标准来保护您的信息。

You can discover more about data transfers out of the UK on the ICO Website.

您可以在ICO网站上了解更多关于数据传递至英国境外的信息。