Banco Nacional Ultramarino S.A., Macau

Internet Privacy Statement

Protecting your privacy is important to us. We hope the following statement will help you understand how Banco Nacional Ultramarino S.A., Macau collects, uses and safeguards your personal information on our Web site.

- Information Collection
- Security
- Information Use
- Disclosure of Information
- How Long Do We Keep Information
- Your Rights to an Explanation
- Linked Internet Sites
- Changes to the Internet Privacy Statement
- Privacy Policies of the BOP



Information Collection

What Happens When You Are Browsing?

We do not collect personal information -- such as your name, address, phone number or E-mail address -- if you are browsing this site.


Registration for Online Products and Services

If you want to apply for or take advantage of our online products or services, we will need you to give us some personal information, including your E-mail address and account number. We only collect information about you which we need to process your application, to service your accounts and other needs, to offer new products and services, and to satisfy legal requirements. We will also use this information for purposes such as correspondence, site registration, allowing you to check your statement or other account details online, to make a purchase, or to participate in online surveys etc. We will also share such information with our affiliates and other for the purposes described elsewhere in this Statement.


Quality of Information

We use advanced technology, documented employee procedures and internal monitoring to help ensure that your personal information is accurate and up-to-date. In addition, we require high standards of quality from credit reporting agencies and others who provide us with information about prospective customers or other services.


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Before you can send confidential personal information or account information to us on our Web site, we require that a "secure session" is set up using Secure Socket Layer (SSL).


Whenever we handle your personal information, we limit access to customer information to those who need it to do their jobs and meet our customer servicing commitment to you. We use a range of security processes to protect the confidentiality and security of your personal information.


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Information Use

We use your information to process your application or to provide the products and services you have requested.


What Else Do We Do With Information We Obtain?

We may also use your information to measure consumer interest in our services and inform you about other products and services. For example, if we obtain your email address we may use it to send you offers we think you might be interested in. These offers may be based on information you provided in your initial transaction with us, or in surveys, from information that may indicate purchasing preferences and lifestyle, as well as information lawfully available from other organizations. These E-mail offers come directly from Banco Nacional Ultramarino S.A., Macau.


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Disclosure of Information

In all other cases, we will not disclose your personal information unless you have been previously informed or have authorized us to so do, or if we are required to do so by law. If an order of a court or government authority requires us to disclose information about you, we will do our best to notify you of this promptly, to give you an opportunity to exercise your legal rights. The only exceptions to this policy are when the order or law prohibits us from notifying you or when there is suspicion of fraud or criminal activity. We will not use any medical information for marketing purposes.


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How Long Do We Keep Information

We will keep information for as long as it is necessary to service your account or to continue to provide products and services you have requested. We will retain information for a reasonable period if you cease to be our customer, unless the law requires us to keep it for longer.


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Your Rights To An Explanation

If we deny an application for our services or end a customer's relationship with us, to the extent permitted by applicable laws, we provide an explanation, if requested. We state the reasons for our action and the information upon which our decision was based, except where there are legal reasons not to do so, for example where there is suspicion of criminal activity.


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Linked Internet Sites

You should be aware that other Internet sites to which you link from may contain privacy provisions that differ from this Internet Privacy Statement.


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Changes to the Internet Privacy Statement

We will use this space to note changes to our Internet Privacy Statement, to keep you fully informed about how we protect your privacy and your choices about our use of your personal information for marketing.


Date Last Revised: 30/10/2008

Description: This section was updated to address more specifically what information we do and do not collect, and to more fully explain the combination of online and offline information for users of Banco Nacional Ultramarino S.A., Macau online services.


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Privacy Policies of the BOP

Participants are obligated to comply with applicable laws and regulations concerning privacy and/or data protection.


Participants are encouraged to use the American Express Data Protection & Privacy Principles, listed below, as a framework within which to develop their own privacy guidelines.


Laws and regulations relating to privacy and data protection can differ from country to country, and Participants are responsible for being aware of and adhering to privacy and dataprotection laws in all countries in which they conduct their licensed activities, including, without limitation, specific and adequate disclosures to Cardmembers (customers) of collection, use and processing of personal data.


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