Privacy Policy｜P&L

1. Introduction

P&L International Pay and Money Trading Company (“we”, “us”, “our”) respects your privacy. This Privacy Policy explains how we collect, use, retain, transfer and protect personal data when you browse our website, submit forms, communicate with us, or apply for/use our services.

This Policy is intended to support transparency under the Personal Data (Privacy) Ordinance (Cap. 486) of Hong Kong SAR (“PDPO”). If there is any inconsistency between this Policy and a customer agreement or product terms you have signed, the agreement and product terms prevail.

2. Categories of personal data

Depending on your interaction, we may collect identity data (name, ID type/number, date of birth), contact details (phone, email, address), corporate data (business registration, title, nature of business), financial and transaction data (bank accounts, payment instructions, remittance purpose), technical data (IP address, browser type, device identifiers, cookie IDs), and other information you voluntarily provide.

Where permitted or required by law, we may also obtain due diligence related information from verification agencies, partner institutions, or public sources.

3. Purposes of use

We use personal data only for purposes that are compatible with: responding to enquiries and processing onboarding/identity checks; performing contracts and delivering payments, FX, or settlement services; complying with laws and regulatory requirements in Hong Kong or other applicable jurisdictions (including AML/CFT); detecting and preventing fraud or unlawful activity; internal operations, audit, risk management and service improvement; and marketing where consent is obtained or where permitted by law (you may opt out of marketing at any time).

If we intend to use personal data for a new purpose, we will notify you as required by the PDPO and obtain consent where necessary.

4. Cookies and similar technologies

Our website may use cookies or similar technologies to maintain sessions, remember language preferences, measure traffic and improve user experience. You may restrict or delete cookies via browser settings; some features may not work properly if you do so.

5. Retention, security and cross-border transfers

We retain personal data only for as long as necessary to fulfil the purposes of collection and as required by law, contract or regulation. We implement reasonable administrative, technical and physical safeguards against unauthorised access, disclosure, alteration or destruction.

Personal data may be transferred outside Hong Kong where necessary for business operations. We will require recipients to provide a standard of protection not below what the PDPO requires, or proceed in accordance with permitted grounds under the PDPO.

6. Your rights

Subject to the PDPO, you may request access to and correction of your personal data, and in certain circumstances object to or restrict processing. To exercise your rights, please contact us using the channels at the end of this Policy; we may need to verify your identity.

7. Changes

We may update this Policy from time to time. The updated version will be posted on this website with a “Last updated” date. Where a change materially affects you, we will notify you as required by law.

8. Contact

If you have questions about this Policy or our processing of personal data, please contact us via the “Contact” page on this website or our official email on record. We will respond within a reasonable time.