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Due to BOCHK system maintenance, FPS-related services including fund transfer, direct debit authorisation and addressing registration will not be available from 3:00 a.m. to 6:00 a.m. on 22 September 2024 (Sunday). Customer may wish to make advance arrangements for their payment activities if necessary.

Thank you for using the services of Bank of China (Hong Kong) Limited and/or BOC Credit Card (International) Limited (each a “Company”).

Please be informed that the Company’s Data Policy Notice (“DPN”) has been amended and will be effective from 1 November 2024 (the “Effective Date”). Part A below sets out a summary of the key amendments to the DPN. In Part B, details of the amendments to different sections are provided for your ease of reference.

Part A: Summary of Key Amendments

Summary of amendments	Part B Section No.
To specify that the data relating to the data subject held by the Company, in accordance with the data subject’s choice, may be provided to other banks and financial services providers in connection with the provision of services to the data subject.	1
To supplement that that the Company may, in accordance with the instructions given by the data subject, transfer the data subject’s data to other banks or third party service providers (including other financial service providers) using the Company’s open API.	2

Part B: Details of Key Amendments

Section	Amendments
1	Paragraph 8(f) shall be added as follows: other banks and financial services providers to whom the data subject has chosen to provide such data held by the Company in connection with the provision of services to the data subject by those other banks and financial service providers;
2	Paragraph 13 shall be amended as follows: TRANSFER OF PERSONAL DATA TO DATA SUBJECT’S OTHER BANKS AND THIRD PARTY SERVICE PROVIDERS USING THE COMPANY’S OPEN APPLICATION PROGRAMMING INTERFACES (“Open API”) The Company may, in accordance with the data subject’s instructions to the Company, other banks providing services to the data subject or third party service providers (including other financial service providers) engaged by the data subject, transfer data subject’s data to such other banks and third party service providers using the Company’s Open API for the purposes notified to the data subject by the Company, the data subject’s other banks or third party service providers and/or as consented to by the data subject in accordance with the Ordinance.

Should there be any discrepancy between the English and Chinese versions of this notice, the English version shall prevail.

Please note that your continuous use of the Company’s services on or after the Effective Date constitutes your agreement and acceptance of the amendments on the DPN which shall be binding on you. The Company may not be able to continue to provide relevant applicable services to you if you do not accept the amendments on the DPN. The amended version of the DPN is now available on https://www.bochk.com/dam/document/retail/b/e20.pdf and will be available on (BOCHK Website / mobile banking app) on or after the Effective Date. You can also download the Notice from BOCHK website (www.bochk.com) (Home > “What’s new” > “Notice of Amendments to “Data Policy Notice” and Provision of Information in Electronic Format”) on or before 31 October 2024 and you may not be able to access or download it afterwards.

Provision of Information in Electronic Format

The Company may send information relevant to our products and/or services to you via electronic means such as email, SMS and push notification. Such information includes, but is not limited to notifications and terms and conditions of services. If you would like to receive paper versions of such information, please approach us through online chat or contact our customer services hotline. Please note that there is no impact on your current preferred channel for receiving statements and advice.

For enquiries/responses about the Notice, please call our Customer Service Hotline:

• Bank of China (Hong Kong) Limited: (852) 3669 3938

• BOC Credit Card (International) Limited: (852) 2108 3288

To align with the Hong Kong Exchange and Clearing Limited’s (“HKEX’s”) implementation of new arrangements for maintaining normal operation of Hong Kong securities and derivatives markets under severe weather[1] (“Severe Weather Trading”/”SWT”) starting from 23 September 2024 (the “Effective Date”), please be informed of the banking service arrangements of BOCHK (the “Bank”) for corresponding with Severe Weather Trading. Under severe weather, all the Bank’s branches will be closed and banking services (including securities services, the adjustments of fund transfer limits and registration of third-party payee for fund transfer services) will be provided only through electronic channels. Notwithstanding the above, under severe weather, there will be special arrangements or relevant changes for the following services of which they shall continue to be subject to the relevant terms and conditions:

(1)   Securities Trading: Electronic channels and Manned Investment Trading Hotline for securities trading service will be provided.

(2)   Cheque Clearing and Settlement and Remittances Services: For paper cheques, clearing service remains unavailable[2], cheques deposited before the cut-off time on the previous business day will be cleared and settled; e-cheque service will be provided; remittance related services will remain available.

(3)   Collateral values of Wealth Portfolio Financing Overdraft Facility / General Banking Facilities (Securities pledged) and other loans may change due to Severe Weather Trading.

To ensure customers can continue using the Bank’s services under severe weather, please be reminded to apply for online banking services in advance such as Internet Banking or Mobile Banking, and frequently check to ensure that their login and operation are in order. At the same time, please also ensure customers’ third-party fund transfer limits via electronic channels are adjusted to suit customers’ needs. Customers can change the fund transfer limit in advance via Internet Banking, your Mobile Banking or by visiting our branches if needed.

To align with Severe Weather Trading, relevant service arrangements of the Bank and Frequently Asked Questions are detailed in Appendix 1 and Appendix 3, customer can refer to “What’s New” in BOCHK website (https://www.bochk.com/en/aboutus/ notice.html) “Notice of Service Arrangements of BOCHK after the Implementation of Severe Weather Trading in Hong Kong Securities and Derivatives Markets” for relevant appendix and shall take effect from the Effective Date.

In addition, in light of the new service arrangements above, the following terms have been revised accordingly, relevant amendments to terms and conditions are detailed in Appendix 2 for customers’ reference:

(a) Applicable for Personal Banking customers: Terms of "Auto-Sweeping Service" and "Conditions for Remittance"; and

(b) Applicable for Corporate Banking customers: "Conditions for Remittance", "Cash "Management Service Terms and Conditions" and "Business Financial Account Service Terms".

The abovementioned amendments shall be binding on you should you continue maintaining your account with BOCHK or use any of the Bank’s related services on or after the Effective Date mentioned above. If customers do not accept the amendments, BOCHK may not be able to continue to provide services to customers. Should you have any enquiry/response, please contact the Bank’s Personal Banking Service Hotline at (852) 3988 2388 or Corporate Banking Service Hotline at (852) 3988 2288 or Investment Service Hotline at (852) 3988 2688 or Online Customer Service Enquiry via Mobile Banking. For Private Banking customers, please contact your Customer Relationship Manager.

Should there be any discrepancy between the Chinese and English versions of this notice, the English version shall prevail.

Appendix 2 Details of Relevant Amendments to Terms and Conditions

Terms of "Auto-Sweeping Service" (applicable to Personal Banking customers only)

Relevant term (Original)	Amendments
“Auto-Sweeping Service” is a service available to the customer’s designated current account with insufficient fund to settle cheque(s) at the cut-off time specified by the Bank. The Bank will automatically transfer a sum equal to the shortfall from the customer’s designated savings account to the designated current account on the following business day of the Bank, provided that the transfer sum does not exceed the maximum limit prescribed by the Bank from time to time or the maximum limit designated by the customer and subject to the terms and conditions as set out in Clause 1 to 9 below. If the total transfer sum exceeds the maximum limit, the “Auto-Sweeping Service” will not be executed even though the amount of one of the cheques is below the maximum limit.	“Auto-Sweeping Service” is a service available to the customer’s designated current account with insufficient fund to settle cheque(s) at the cut-off time specified by the Bank and where there is cheque clearing service. The Bank will automatically transfer a sum equal to the shortfall from the customer’s designated savings account to the designated current account on the following day after a cheque is cleared, provided that the transfer sum does not exceed the maximum limit prescribed by the Bank from time to time or the maximum limit designated by the customer and subject to the terms and conditions as set out in Clause 1 to 9 below. If the total transfer sum exceeds the maximum limit, the “Auto-Sweeping Service” will not be executed even though the amount of one of the cheques is below the maximum limit
1.2. “Business Day” means the day on which the Bank opens for business in Hong Kong and carries out the Banking business of paying or collecting cheques which are drawn by or paid in by customers;	1.2. “Business Day” shall mean a day other than a Saturday, Sunday or public holiday on which (a) banks are open for business in Hong Kong or (b) to the extent a particular service is concerned, such service is made available by the Bank;
3. If the “Funds Recipient Account” is overdrawn by cheque(s) at the Cut-off Time on any Business Day, the Bank will automatically transfer a sum equal to the Overdrawn Principal (“Transfer Sum”) from the “Funds Source Account” to the “Funds Recipient Account” on the following Business Day, upon fulfilling the following conditions:	3. If the “Funds Recipient Account” is overdrawn by cheque(s) at the Cut-off Time on any Business Day, the Bank will automatically transfer a sum equal to the Overdrawn Principal (“Transfer Sum”) from the “Funds Source Account” to the “Funds Recipient Account” on the following day after a cheque is cleared, upon fulfilling the following conditions:

"Conditions for Remittance" (applicable to both Personal and Corporate Banking customers)

Relevant term (Original)

Amendments

14. lf the application for Telegraphic Transfer, BOC Remittance Plus or Express Transfer is accepted by the Bank at a time after the deadline stipulated by the Bank for the processing of outward remittances (if any), the application shall be deemed to be accepted by the Bank on the next following business day of the Bank.

14. lf the application for Telegraphic Transfer, BOC Remittance Plus or Express Transfer is accepted by the Bank at a time after the deadline stipulated by the Bank for the processing of outward remittances (if any), the application shall be deemed to be accepted by the Bank on the next following business day of the Bank. “Business Day” shall mean a day other than a Saturday, Sunday or public holiday on which (a) banks are open for business in Hong Kong or (b) to the extent a particular service is concerned, such service is made available by the Bank.

"Terms and Conditions for Cash Management Services" (Schedule 6 Terms and Conditions for Payment Collection Service) (applicable to Corporate Banking customers only)

Relevant term (Original)	Amendments
4.1   The Bank shall deliver to the Customer on each Business Day at such time and in such manner as the Bank thinks fit (including by facsimile or e-mail) a Data File containing particulars of the payment transaction processed on a particular day.	4.1   The Bank shall deliver to the Customer according to the schedule stated in the application form at such time and in such manner as the Bank thinks fit (including by facsimile or e-mail) a Data File containing particulars of the payment transaction processed on a particular day.

"Terms for Business Integrated Account" (applicable to Corporate Banking customers only)

Relevant term (Original)	Amendments
2.1.1 “Business Day” means the day on which BOCHK opens for business in Hong Kong and carries out the banking business of paying or collecting cheques which are drawn by or paid in by customers;	2.1.1 “Business Day” means a day on which there is inter-bank clearing and settlement of cheques in Hong Kong;

The amended version of the Terms of "Auto-Sweeping Service", "Conditions for Remittance", "Terms and Conditions for Cash Management Services" and "Terms for Business Integrated Account" will be available on BOCHK website(www.bochk.com) (Home>More>Terms and Conditions for Services/Products), (Home>Corporate Banking>Account Service> Business Integrated Account) from the Effective Date. Customers can also download this notice from “What’s New” in BOCHK website (https://www.bochk.com/en/aboutus/notice.html) on or before 19 November 2024 and customers may not be able to access or download such notice afterwards.

[1] Severe weather refers to Typhoon Signal No. 8 or above being hoisted or Black Rainstorm Warning being put in place by the Hong Kong Observatory or Extreme Conditions are announced by the HKSAR Government.

[2] Applicable to situations when severe weather remains for the whole day.

To fight against the telecommunication and online frauds, the Police has rolled out the upgraded version “Scameter+” mobile application to help the public identify frauds and online pitfalls.  The upgraded “Scameter+” mobile application features the following three new functions:

1) Call Alert
2) Website Detection
3) Public Intelligence

When the public encounters suspicious calls, online sellers, friend requests, job advertisements, investment websites, and the like, they can enter the platform account name or number, payment account, phone number, email address, URL, etc. to assess the risk of fraud and cyber security.

Please refer to the following website hyperlinks for the upgraded “Scameter+” information:
https://cyberdefender.hk/en-us/scameter/

BOCHK would like to remind customers to stay vigilant to telephone deception and investment fraud to protect their own interests.

Please refer to the following website for Police anti-deception information:-
https://www.adcc.gov.hk/en-hk/alerts-detail/alerts-1737386285726003201.html
https://www.adcc.gov.hk/en-hk/alerts-detail/alerts-1778727751727292417.html
https://cyberdefender.hk/en-us/investment_fraud/

Please be informed that the Bank’s “Conditions for Services” have been revised and will be effective from 30 June 2024 (“Effective Date”). Part A of the amendment details enclosed sets out a summary of the amendments to “Part 1: General Provisions” of the CFS. In Part B, details of the amendments are provided for your ease of reference.

By having any account with us or by using any of our service or functionalities we provide on or after the Effective Date, you acknowledge and agree that the amendments to the CFS shall be binding on you. If you do not accept the amendments, we may not be able to continue to provide services to you. Should you have any enquiry / response regarding the amendments, please call our customer services hotline at (852) 3988 2388.

The amended version of the CFS will be available at our official website (www.bochk.com) (Home > “Conditions for Services”) and displayed in our branches from the Effective Date. Should there be any discrepancy between the English and Chinese versions of this notice, the English version shall prevail.

Note: Customers can also download this customer notice from BOCHK website (www.bochk.com) (Home > “What’s new” > “Notice of Amendments to Conditions for Services”) on or before 30 August 2024 and customers may not be able to access or download such customer notice afterwards.

Part A: Key Amendments

“Conditions for Services” Part 1: General Provisions

Summary of the new Conditions
Part	Condition	Important Notes
25.   Alerts and Fund Transfers	25.1 (a)	To specify that by making any Fund Transfer on or after the date on which these provisions come in effect, customers confirm that they have accepted and will be bound by these provisions.
	25.1 (b)	To define the terms “Alert”, “Anti-fraud Database”, “Hong Kong” and “Fund Transfer” in the provisions under Condition 25.
	25.2	To specify that the reason for sending Alerts is to help customers stay vigilant against frauds, scams and deceptions when making Fund Transfers.
	25.3 (a)	To specify that the Bank does not control the Anti-fraud Databases and compile the Alerts solely based on the information available from the Anti-fraud Databases from time to time. The Bank does not warrant whether the Fund Transfers are fraudulent.
	25.3 (b)	To specify that the Bank may compile and deliver the Alerts in such ways as it considers appropriate.
	25.3 (c)	To specify that the Bank is not liable for loss of any kind which customer may incur or suffer arising from any information available or omitted from any Anti-fraud Database, or any delay, unavailability, disruption, failure, error of or caused by any Anti-fraud Database, or arising from any circumstances beyond our reasonable control.
	25.3 (d)	To specify that the Bank is not liable for loss, damage or expense of any kind which customer or any other person may incur or suffer arising from or in connection with the Alerts or Fund Transfers affected by the Alerts, except to the extent that any loss incurred or suffered is direct and reasonably foreseeable, and arising directly and solely from our gross negligence or wilful default or that of our officers, employees or agents.
	25.3 (e)	To specify that in no event will the Bank be liable to customers or any other person for any loss of profit or any special, indirect, incidental, consequential or punitive loss or damages.
	25.3 (f)	To specify that nothing in these provisions is intended to exclude or restrict any right or liability to the extent of which it may not be lawfully excluded or restricted.
	25.4	To specify that customers are responsible for taking reasonably practicable steps to safeguard customers’ own interests, money and assets from fraud or other illegal activities. Customers should consider carefully whether to proceed with or cancel a Fund Transfer affected by an Alert.

Part B: Amendment Details
“Conditions for Services” Part 1: General Provisions
Introduce new Condition 25 as follows:
25.              Alerts and Fund Transfers
25.1          (a) The provisions under this Condition 25 apply to the Alerts and the Fund Transfers as defined below. If there is any inconsistency between these provisions and our Conditions of Services, these provisions will prevail insofar as the Alerts and Fund Transfers are concerned. By making any Fund Transfer on or after the date on which these provisions come in effect, you confirm that you have accepted and will be bound by these provisions.
(b) In these provisions, the following terms have the following meanings:
“Alert” means a warning message that a Fund Transfer or the relevant payee or payee account may involve fraud or scam.
“Anti-fraud Database” includes any anti-fraud search engine and/or anti-deception database (including but not limited to Scameter) operated or managed by the Hong Kong Police Force or any other law enforcement agency or governmental body or regulatory authority of Hong Kong, whether it is accessible by the public in general or by designated entities or organisations.
“Hong Kong” means the Hong Kong Special Administrative Region of the People’s Republic of China.
“Fund Transfer” means a transfer of fund by you through us via any channel or means or in any currency determined by us from time to time including but not limited to one or more of electronic banking, e-wallet, mobile banking, automatic teller machine, cash deposit machine, and bank counter at any of our branches ], whether the payee account is maintained with us or not; and if the context requires or permits, includes an instruction given by you to us to make a Fund Transfer.
25.2          Reason for sending Alerts
The Alerts are intended to help you stay vigilant against frauds, scams and deceptions when making Fund Transfers. You shall not take the Alerts as replacing your responsibility for safeguarding your own interests, money and assets from fraud or other illegal activities.
25.3          Our role, responsibilities and restriction of liability
(a) We:
(i) do not control the management, operation or any other aspect of the Anti-fraud Databases;
(ii) compile the Alerts solely based on the information available from the Anti-fraud Databases from time to time; and
(iii) would not compile any Alert relating to a payee, a payee account or a transaction if no information about it is available from the Anti-fraud Databases.
Therefore, we do not and cannot warrant whether the information available from any Anti-fraud Database is complete, true, accurate and up-to-date, and that the Fund Transfers for which you do not receive Alerts are not fraudulent nor that Fund Transfers for which you receive Alerts are fraudulent. Our records of its delivery of any Alert to you and any response from you whether to proceed or cancel any Fund Transfer shall have conclusive effect save for manifest error.
(b) We may compile and deliver the Alerts in such ways as it considers appropriate. We shall have sole discretion to determine and/or vary, from time to time and without further notice to you, the contents of the Alerts, the channels or means through which the Alerts are delivered, and/or the currency(ies) of the Fund Transfers, having regard to our needs and the feedback, comments, guidance or recommendations from the relevant persons. Relevant persons may include but not limited to law enforcement agencies or other governmental bodies, or regulatory authorities or industry associations of Hong Kong. We may deliver the Alerts to you by electronic or other means.
(c) We are not liable for loss, damage or expense of any kind which you or any other person may incur or suffer arising from any information available or omitted from any Anti-fraud Database, or any delay, unavailability, disruption, failure, error of or caused by any Anti-fraud Database, or arising from any circumstances beyond our reasonable control.
(d) We are not liable for loss, damage or expense of any kind which you or any other person may incur or suffer arising from or in connection with the Alerts (or any delay or unavailability of the Alerts), or the processing, execution or cancellation of Fund Transfers affected by the Alerts (or by any delay or unavailability of the Alerts), except to the extent that any loss, damage or expense incurred or suffered is direct and reasonably foreseeable, and arising directly and solely from our gross negligence or wilful default or that of its officers, employees or agents.
(e) In no event will we, our affiliates or group companies, our licensors, and our and their respective officers, employees and agents be liable to you or any other person for any loss of profit or any special, indirect, incidental, consequential or punitive loss or damages (whether or not they were foreseeable or likely to occur).
(f) Nothing in these provisions is intended to exclude or restrict any right or liability to the extent of which it may not be lawfully excluded or restricted.
25.4          Your responsibility
You are responsible for taking reasonably practicable steps to safeguard your own interests, money and assets from fraud or other illegal activities. You are responsible to check and ensure that the payee, the payee account, the transaction and the transaction details are real and trustworthy in each case. You should consider carefully whether to proceed with or cancel a Fund Transfer affected by an Alert. Your decision to proceed with or cancel a Fund Transfer affected by an Alert is binding on you and you shall be solely responsible for the consequences.

According to the latest rule adopted by U.S. Securities and Exchange Commission ("SEC"), starting from 28 May, the standard settlement cycle of US securities will shorten from two business days after the trade date (T+2) to one business day after the trade date (T+1). Please visit SEC website for more details.

In order to help members of the public verify the identities of SMS senders, with the support of the Hong Kong Monetary Authority (HKMA), the Hong Kong Police Force, the Office of the Communication Authority (OFCA) and the telecommunications industry, the “SMS Sender Registration Scheme” (“The Scheme”) will be extended to the banking industry for transmission and delivery of trusted SMS from Registered Senders. All banks participating in “The Scheme” have started using “Registered SMS Sender IDs” with prefix “#” to send SMS to local subscribers of mobile services in Hong Kong.

Starting from 28 January 2024, Bank of China (Hong Kong) (“the Bank”)will use “Registered SMS Sender IDs”: #BOCHK、#BOCHK_TXN or #BOCHK_CC to send SMS messages to customers’ registered mobile phone number.

Under the Scheme, SMS messages with sender IDs containing "#" but not sent by Registered Senders will be screened out by the telecommunications networks. Subscribers of mobile services are not required to apply for the service, install any mobile apps or change their handset settings. The Scheme is not applicable to:
i. SMS messages of which receiving parties are expected to reply to the senders via phone numbers; or
ii. Local subscribers of Single-Card-Multiple-Numbers/One-Card-Two-Numbers mobile service provided by non-Hong Kong operators.

Regarding the “SMS messages of which receiving parties are expected to reply to the senders via phone numbers”, The Bank will send you (through any of the following phone numbers: +852 622649931110 or +852 645063570006) to your registered mobile phone number, inviting you to reply whether you have logged in/made the transaction.

The Bank would like to remind customers under all circumstances, should stay highly vigilant when receiving SMS from unknown senders, and must not disclose to unidentified senders any personal information, bank account numbers or credit card details, transfer money or access any hyperlink in the SMS, to avoid suffering any loss.

Please refer to the following website for the Office of the Communication Authority SMS Sender Registration Scheme information: https://www.ofca.gov.hk/ssrs

To enhance your control over your BOC Card, you can now adjust the daily limit of BOC Card POS Transaction and Transfer, and block or unblock your BOC Card if necessary.

The daily limit for BOC Card POS transaction and transfer is preset at HKD/RMB 50,000. You may lower your limit (from HKD/RMB 50,000 to HKD/RMB 0) through Mobile Banking, Internet Banking, Online Chat or 24-hour Customer Service Hotline.

If you notice any unauthorized transactions on your BOC Card, please report them through our Customer Service Hotline (852) 2691 2323, Online Chat or in person at any of our branches.

You may also block the Card through Mobile Banking, Internet Banking, Online Chat or 24-hour Customer Service Hotline and unblock the Card through the channels mentioned above if you consider it safe to do so.

If unusual transaction / activity is detected on your credit card, Bank of China (Hong Kong) (“the Bank”) will send you a two-way alert SMS to your registered mobile phone number, inviting you to reply whether you have authorised / initiated it. Please carefully verify the details in the SMS, such as merchant name, transaction type, transaction amount and currency, before replying to that SMS.

If you have authorised the transaction / initiated the activity, please reply with "1" after verifying that the SMS content is correct. If you have not authorised / initiated it, or the SMS content is incorrect, please reply with "9". The Bank will follow up per your response, including immediate suspension of your credit card and contacting you for further details after receiving the reply of “9”.

Please note that:
1. Do not provide any personal and credit card information when replying that SMS. You may be charged for sending SMS by your telecom service provider.

2. If you have incorrectly replied that SMS, please contact the Bank immediately.

3. If you receive that SMS overseas, please contact the Bank immediately and do not reply that SMS.

The Bank has a stringent monitoring mechanism to safeguard your BOC Credit Cards. You are not liable for any unauthorised online transaction after our verification.

If you notice any unauthorised transaction:

1.  You may log into your Mobile Banking or Internet Banking and reduce the Monthly Online Spending Limit to HK$0. You can also raise the limit when you feel safe. The steps are as follows:

Mobile Banking

Bottom right corner [Menu]>Setting> Setting Online Spending limit

Internet Banking

Personal setting> Setting Credit Card Monthly Online Spending Limit

You may use Online Customer Services (Online Chat) in Mobile Banking or Internet Banking for suspension or reporting a lost or stolen credit card;

2. If you have not registered for Mobile Banking or Internet Banking, you may contact BOC Credit Card 24-hour Customer Services Hotline (852) 2853 8828 or BOC Credit Card 24-hour Lost Card Reporting Hotline at (852) 2544 2222.

Please try to keep any screen captured images/evidences (if applicable) for our follow-up. For more details, please visit:
www.bochk.com/en/creditcard/service/chargeback.html