This is the Privacy Policy of Bloom & Grow Holdings Limited (B&G) and any B&G subsidiary business. B&G will observe this Privacy Policy for the collection, storage and use of personal information. For the purpose of this policy document, we are referred to as "B&G" or "We".

Open and transparent management of personal information

The personal information we may collect about you could include your name, your company details, your e-mail address, plus other information as required to become a B&G customer including, but not limited to, your company registration number, address, titles, contact telephone, facsimile, country and encrypted billing information. We may also collect the names and address of the directors, proprietors and owners of your business, any personal guarantors and reports from credit reporting agencies, which is collected as part of our credit application processes. Payments to B&G are made through both secure internal and third party payment gateways. B&G receives notification of the processing of payments from the secure internal and third party payment gateway in which any credit card information is provided in an encrypted format. We do offer links to third party websites on our websites. Before disclosing your personal information on any other website, we advise you to examine the terms and conditions of using that website and its privacy statement.

Use of Cookies

Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognise your browser and capture and remember certain information. Our websites use cookies to anonymously distinguish you from other users of our services and to provide increased functionality when you are using our services. This helps us to provide you with a better experience when you browse our websites and also allows us to improve our websites and our services. Unless you have adjusted your browser settings (where possible) to refuse cookies, our systems will issue cookies as soon you visit our websites or access other services. If you have switched off cookies then some of the functionality of our services may not be available to you. The cookies that we use on our websites only collect anonymous information to optimise our services, and do not collect personal information. To find out more about cookies including how to disable/enable and delete them at the following website www.aboutcookies.org. If you use your browser settings to block all cookies you may not be able to access all or parts of our sites, or you may experience reduced functionality when accessing certain services.

Anonymity and Pseudonymity

B&G will not collect or monitor any personal information about an individual without their expressed or implied consent. Personal information is required for the purposes of establishing a relationship with our customers, performing the necessary credit checks in accordance with our credit application processes, providing and marketing our goods and services to customers and receiving payment for the same. Collection of solicited information other than sensitive information If personal information concerns particular beliefs or backgrounds, it is considered to be of a sensitive nature. Such information may include:

• racial background
• political opinions and political party memberships
• religious or philosophical beliefs
• trade union affiliations or membership
• sexual preferences
• criminal record
• health record

B&G does not collect sensitive information.
B&G may collect personal information about you from other sources including public sources and credit reporting agencies.

Dealing with unsolicited personal information

Should B&G receive personal information, and did not solicit the information, B&G will decide if the personal information would have not been collected normally, the information will be de-identified and destroyed. Notification of the collection of personal information
In the majority of cases, we will require you to specifically consent to any collection, use or disclosure of your personal information by B&G. Your consent may be requested in writing or verbally; expressed or implied.

Use & Disclosure of your personal information

B&G uses the personal information we collect so that we may continue to conduct our business of providing ongoing products and services. The personal information you provide may be utilised at a later date to allow us to market direct to yourselves, information about our additional products and services offered by B&G or associated entities. We may also disclose your personal information to our suppliers and third parties that perform other services for us in connection with the sale and provision of our goods and services, including third parties who:

• Provide Credit Reports
• Provide Debt Collection
• Conduct market research and analysis
• Provide marketing services
• Direct Marketing

At times we may disclose personal information to third parties and our associated entities to market to you B&G and associated entities products and/or services. We take steps to ensure that our service providers are obliged to protect the privacy and security of your personal information and use it only for the purpose for which it is disclosed. We respect an individual's choice to opt-out of direct marketing communications activities. Should you decide you do not wish to receive marketing or promotional materials from us, please contact us in writing or as directed in any particular promotional material you may receive.

Cross Border disclosure

B&G may disclose personal information to third party data storage facilities that may be located in countries including, but not limited to, Hong Kong, China, Australia, the United Kingdom and the United States of America.

Quality of personal information

B&G relies on the personal information we hold to efficiently continue our business relationship with you. For this reason it is of utmost importance that the personal information we collect from you is accurate, complete and up to date. At times, we will ask you to inform us of any changes to your personal information, however you can contact us at any time to update your personal information or advise us if any information we hold is inaccurate or incomplete.

Security of personal information

B&G ensures that your information is secure by protecting it from unauthorised access, modification and disclosure. We maintain physical security over our paper and electronic data stores and premises, such as locks and security systems. We also maintain computer and network security; for example, we use firewalls and other security systems such as user identifiers and passwords to control access to computer systems. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements.

Access to Personal Information

Upon receipt of your written request, and enough information and time to allow us to identify the information, B&G will disclose to you the personal information we hold about you, unless it is legally permitted to deny a request for access. Should B&G refuse you access to personal information or credit eligibility information, we will provide you with written notice that sets out the reason for refusal and the mechanism available to complain about the refusal. To access details of your personal information, please contact us at the address below.

Correction of personal information

We will also correct, amend or delete any personal information that we agree is inaccurate, out-of-date, incomplete, irrelevant or misleading or if an individual requests B&G to correct the information. To update details of your personal information, please contact us at the address below.

Contact Details

If you have any queries regarding the collection, use or storage of your personal information under this Privacy Policy, please contact us at the address below.

Attn: Privacy Officer
Bloom & Grow Holdings Ltd
6/F Pacific Plaza
410 Des Voeux Road West
Western District
Hong Kong

Changes to Privacy Policy

B&G may make changes to this Privacy Policy from time to time for any reason. We will publish those changes on our website. This Privacy Statement was last amended on 17 July 2014.

COOKIE POLICY