Privacy Policy

• HKID numbers, passport numbers
• Bank account numbers, credit card numbers
• Financial data — all calculation tools (mortgage, tax, investment, etc.) run entirely within your browser. The numbers you enter are never uploaded to our servers.
• Location data (we do not track your precise location)

• Improve website content and user experience — understand which tools and articles are most popular
• Analyse traffic trends
• Monitor website performance and troubleshoot issues
• Respond to your enquiries (if you use the contact form)
• Comply with legal obligations

We do not use your information for automated decision-making or profiling.

Cookies are small text files stored on your device. The Website uses the following types of cookies:

• Essential Cookies: Maintain basic website functionality (e.g., PWA offline caching). These cookies do not require your consent.
• Analytics Cookies (Google Analytics): Track page views and usage patterns to help us improve the website. Data collected by Google Analytics is anonymous.
• Functional Cookies: Remember your preferences (e.g., language, font size).

You can manage or delete cookies in your browser settings. Please note that disabling cookies may affect some website functionality. For more information, please refer to the Google Privacy Policy.

The Website uses the following third-party services, each with its own independent privacy policy:

• Google Analytics — website traffic analysis (Google Privacy Policy)
• Google Search Console — search performance monitoring
• Google AdSense — advertising service (when enabled)
• Vercel — website hosting (Vercel Privacy Policy)

These third parties may use cookies or similar technologies to collect information. Please refer to each service's privacy policy for details.

We do not sell, rent, or trade your personal information. We only share information under the following circumstances:

• Service Providers: Necessary data shared with our third-party service providers (e.g., Google Analytics, Vercel) to maintain website operations.
• Legal Requirements: Where disclosure is required by law, regulation, or court order.
• Business Transfer: In the event FinKit is involved in a merger, acquisition, or asset sale, user data may be transferred as part of the assets.
• With Your Consent: Any other uses you have expressly authorised.

Google Analytics data is retained according to Google's default retention period (currently 26 months). Contact form submissions are retained for 12 months after the enquiry is resolved for follow-up purposes.

We implement reasonable technical and administrative measures to protect your information, including:

• SSL/TLS encrypted transmission (HTTPS)
• Restricted third-party service data access permissions
• Regular review of data collection and retention practices

Please note that no internet transmission or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Under the Personal Data (Privacy) Ordinance (Cap. 486, Laws of Hong Kong) and other applicable privacy regulations, you have the right to:

• Access your personal data held by us
• Request correction of inaccurate personal data
• Request deletion of your personal data (to the extent permitted by law)
• Object to or restrict data processing
• Withdraw consent (where processing is based on consent)
• Lodge a complaint with the Office of the Privacy Commissioner for Personal Data, Hong Kong

To exercise any of these rights, please contact us via the contact page. We will respond within 30 days.

The Website is not directed at children under the age of 18. We do not knowingly collect personal information from individuals under 18. If we become aware that we have inadvertently collected information from a child, we will delete it immediately.

The Website may contain links to third-party websites (e.g., banking products, partners). Clicking these links will take you away from the Website. We bear no responsibility for the privacy practices of third-party websites. We recommend reviewing the privacy policy of each third-party site.

We may update this Privacy Policy from time to time. Material changes will be posted on the Website. We recommend reviewing this page periodically for the latest information. Continued use of the Website constitutes acceptance of the updated policy.

If you have any questions about this Privacy Policy or wish to exercise your data rights, please contact us through:

• Email: privacy@finkit.hk
• Contact form: finkit.hk/contact

This Privacy Policy is governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region. In the event of any discrepancy between the Chinese and English versions, the Chinese version shall prevail.