Privacy Policy

Who we are

This Data Protection and Privacy Statement relates solely to information supplied by you on this Web Site. Ngao Credit Limited, the Data Controller, respects the privacy of your personal information and will treat it confidentially and securely.

Any personal information provided by you to Ngao Credit Limited through this Web Site shall be used for the purpose of providing and operating the products and services you have requested on this Web Site and for any other related purposes which may include updating and enhancing Ngao Credit Limited’s understanding of your financial needs, conducting credit checks, reviewing credit worthiness, advising you on other products and services which may be of interest to you, for purposes required by law or regulation, and to plan, conduct and monitor Ngao Credits Limited’s business. The information collected from you by Ngao Credit will be valuable in improving the design and marketing of our range of services and related products for customer use.

If you are providing your details in connection with an application for employment, please refer to our “Data Protection and Privacy Statement – Job Applicants” which will be displayed when you apply (see our ‘Careers’ page). This Policy will not alter or affect any information otherwise provided by you to Ngao Credit Limited.

Ngao Credit Ltd undertakes that it will not share your details to any external body unless Ngao Credit Ltd has your permission or is under a legal obligation or any other duty to do so. For the purposes detailed above, your information may be disclosed to:

  • Ngao Credit Limited Branches
  • Any regulatory, supervisory, governmental or quasi-governmental authority with jurisdiction over Ngao Credit Ltd;
  • Any agent, contractor or third-party service provider, professional adviser or any other person under a duty of confidentiality to the Ngao Credit Ltd;
  • Credit reference agencies and, in the event of default, debt collection agencies;
  • Any financial institution with which Ngao Credit Limited has or proposes to have dealings.

Ngao Credit Ltd will ensure that parties to whom your details are transferred treat your information securely and confidentially. Ngao Credit Limited also pledges its intention to fully meet any internationally recognized standards of personal data privacy protection and to comply with applicable data protection and privacy laws. We may transfer your information if it is necessary to perform our contract with you and by providing details to Ngao Credit Limited via this Web Site you are deemed to consent to any other transfers.

Information held about you shall retained for as long as the purpose for which the information was collected continues. The information shall then be destroyed unless its retention is required to satisfy legal, regulatory or accounting requirements or to protect Ngao Credit Limited’s interests. As a general rule, the maximum retention period is 7 years.

It is your responsibility to maintain the secrecy of any user ID and login password you hold.


In order to improve our Internet service to you, we will occasionally use a “cookie” and/or other similar files or programs which may place certain information on your computer’s hard drive when you visit the Ngao Credit Limited web site. A cookie is a small amount of data that our web server sends to your web browser when you visit certain parts of our site. We may use cookies to:

  • Allow us to recognize the PC you are using when you return to our web site so that we can understand your interest in our web site and tailor its content and advertisements to match your interests (This type of cookie may be stored permanently on your PC but does not contain any information that can identify you personally.);
  • Identify you after you have logged in by storing a temporary reference number in the cookie so that our web server can conduct a dialogue with you while simultaneously dealing with other customers. (Your browser keeps this type of cookie until you log off or close down your browser when these types of cookie are normally deleted. No other information is stored in this type of cookie.);
  • Allow you to carry information across pages of our site and avoid having to re-enter that information;
  • Allow you access to stored information if you register for any of our on-line services;
  • Enable us to produce statistical information (anonymous) which helps us to improve the structure and content of our web site;
  • Enable us to evaluate the effectiveness of our advertising and promotions.

Cookies do not enable us to gather personal information about you unless you give the information to our server. Most Internet browser software allows the blocking of all cookies or enables you to receive a warning before a cookie is stored. For further information, please refer to your Internet browser software instructions or help screen. Alternatively, information on deleting or controlling cookies is available at

Internet Communications

In order to maintain the security of our systems, protect our staff, record transactions, and, in certain circumstances, to prevent and detect crime or unauthorized activities, Ngao Credit Limited reserves the right to monitor all internet communications including web and email traffic into and out of its domains.

Your Rights and How to Contact Us

You may have the right under data protection legislation on payment of a fee to request access to personal information about you held by us and to have it corrected where appropriate. If you have that right and you wish to access, correct or delete any of your personal data held by us, or if you have any questions concerning our Data Protection and Privacy Statement please contact Ngao Credit Ltd on 0709 650 000. You may also have the right to access details held by credit reference agencies and Ngao Credit Limited will supply details of the relevant agencies upon request

Contacting You<

In providing your telephone, facsimile number, postal and e-mail address or similar details, you agree that Ngao Credit Limited may contact you by these methods to keep you informed about Ngao Credit Limited products and services or for any other reason. If you prefer not to be kept informed of Ngao Credit Ltd products and services, please contact Ngao Credit Limited by email.

Changes and Modifications to the Website

Ngao Credit Limited reserves the right to amend its prevailing Data Protection and Privacy Statement at any time and will place any such amendments on this Web Site. This Data Protection and Privacy Statement is not intended to, nor does it, create any contractual rights whatsoever or any other legal rights, nor does it create any obligations on Ngao Credit Limited in respect of any other party or on behalf of any party.

Your continued access or use of the Website after any modifications have become effective shall be deemed your conclusive acceptance of the modified Data Protection and Privacy Statement. Data Protection and Privacy Statement reserves the right to temporarily or permanently modify or discontinue the Website, or any portion of the Website, for any reason, at our sole discretion, and without notice to you.