Privacy Policy

Privacy Policy

This Privacy Policy (“Policy”) governs how we at PaySmart Capital Limited (“Liquid”, “we”, “us”, and “our”) collect, use, and disclose Personal Information collected from you. This includes all our customers and users through the use of our products and services, including but not limited to this website, our associated mobile app, products, deliverables, reports, data, outputs, and other relevant services (collectively referred to as “Products and Services”). Communication channels covered include email messaging, WhatsApp, WeChat, Line, and/or other social media channels.

Definition of Personal Information

Personal Information means the information about an individual that can be used to identify them. We are committed to protecting your privacy and ensuring that your Personal Information is handled in a safe and responsible manner in line with the Hong Kong SAR Personal Data (Privacy) Ordinance and other applicable laws.

Collection of Your Personal Information

a) When you engage with our digital properties, such as websites (note our use of cookies, further details in our Security and Cookies Policy), web forms, or when you interact with us through various communication and social media channels, and/or use our Products and Services.

b) From third parties, including partners with whom we have joint marketing arrangements, credit reference agencies (CRA), and social media companies.

c) We do not knowingly gather Personal Information about individuals under the age of 18. If we are alerted to this, we will take steps to remove such information. To report any concerns, please contact us at [email protected]

Additional Data We Might Collect

a) Geographical and location-based data via your electronic devices.

b) Information given to us by individuals acting on your behalf, with your consent.

c) Data from public domains, debt collection, fraud prevention agencies, and data aggregators, but only with your expressed consent. For clarity, we DO NOT gather biometric data like voice ID, thumbprints, or facial recognition information.

Data Generation

a) Through the amalgamation of data we’ve received from you, other third parties, and from analyzing your interactions with us.

b) Via the utilization of cookies and related technologies upon accessing our Products and Services or other third-party websites and apps. This also includes channels like email messaging, Whatsapp, WeChat, Line, KakaoTalk, and other social media platforms.

Storing Your Personal Information

Your data may be stored both locally and overseas on cloud-based systems. Regardless of the location, we adhere to stringent industry standards and security policies to safeguard your Personal Information.

Utilization of Your Personal Information

a) To provide you with marketing information regarding our Products and Services, as well as offerings from our partners, but only if you’ve given your consent.

b) For authentication purposes related to our Products and Services.

c) Ensuring compliance with regional and international rules, regulations, and our internal protocols, whether within or outside the Hong Kong Special Administrative Region (HK SAR).

d) Offering our Products and Services, which might include conducting credit checks via credit reference agencies (CRA).

e) Business operations and legal rights enforcement.

f) Other uses directly associated with the aforementioned or for which you have given your consent.

Sharing Your Personal Information

We share your information:

a) With third parties that assist in delivering our services to you.

b) With law enforcement, regulators, or legal entities when required.

c) With entities such as financial institutions or money lenders, but only with your explicit consent, enabling them to make suitable loan offers.

Your Rights and Control

a) Please ensure the accuracy of your account details and promptly notify us of any changes. Contact us via email or WhatsApp at +852 9700 4540 for modifications.

b) You have total control over your marketing preferences. To opt out of our marketing communications, follow the provided instructions in the associated email or simply reach out to us.

For any inquiries regarding this Policy, please email us at [email protected].