Data User: MaxSwipe 碌邊張 (Hong Kong) (the “App Operator”, “we”, “us”, or “our”).
The App is a credit-card rewards calculator. We do not operate user accounts, and we do not collect, transmit, or store your personal data on our servers. Everything you enter — the cards you hold, your reward preferences, your language and appearance settings — is stored only on your own device and never sent to us. We do not track you, we do not display third-party advertising served by ad networks, and we do not use third-party analytics. Some card “Apply” links may now or in the future be referral links that earn us a fee (see Section 9.1 and our Terms of Use); they involve no tracking or advertising cookies in the App. The only personal data we may ever hold is what you choose to send us by email, which we keep solely to reply to you; and, like every website, the web version's hosting provider keeps brief technical logs. The sections below set out the detail.
3.1 Personal data we collect on our servers: none. The App has no login, no registration, and no back-end account system. We do not ask for, and do not receive, your name, contact details, identity-document numbers, financial account numbers, card numbers, or any other directly identifying information.
3.2 Information stored locally on your device. To make the App work, the following information is stored locally on your device (for example, in browser localStorage or the equivalent application storage on iOS/Android) and remains under your control:
This information does not leave your device through the App and is not accessible to us.
3.3 Calculation inputs. Amounts, spending channels, and categories you enter into the calculator are processed in-memory on your device to generate results and are not retained by us.
3.4 Platform and diagnostic data. When the App is distributed through the Apple App Store or Google Play, the operating system and app-store platform may collect limited technical or diagnostic information (such as crash logs, device type, or operating-system version) in accordance with Apple’s and Google’s own privacy policies. Such collection is carried out by those platforms as independent data controllers, not by us, and is governed by their respective terms.
3.5 Web hosting logs. The web version of the App and our website (maxswipe.cc) are served by GitHub Pages, a hosting service operated by GitHub, Inc. Like most hosting providers, GitHub may temporarily log technical information — such as your IP address, browser user-agent, and request timestamps — for security and operational purposes. Such logs are handled by GitHub in accordance with its own privacy statement; we do not receive, access, or use them.
3.6 Correspondence. If you choose to contact us by email, we will receive and hold the personal data you provide (such as your email address, name, and the contents of your message). We use that data solely to respond to and resolve your enquiry, we do not use it for direct marketing or disclose it to any third party (except as described in Section 6.2), and we delete it once it is no longer needed for that purpose.
The on-device information described in Section 3.2 is used solely to:
We do not use any information for profiling, credit assessment, automated decision-making with legal effect, or direct marketing.
We do not use your personal data (including any email correspondence under Section 3.6) for direct marketing, and we do not provide your personal data to any third party for direct marketing purposes. We will not introduce any direct-marketing use without first obtaining your consent in the manner required by the PDPO.
6.1 Because the App does not collect personal data on our servers, we do not sell, rent, share, or otherwise disclose your personal data (including any email correspondence under Section 3.6) to any third party.
6.2 We may disclose information only where required to do so by law, by a court order, or by a lawful request from a competent regulatory or law-enforcement authority in Hong Kong or another applicable jurisdiction.
The App does not transfer your personal data outside Hong Kong, because it does not collect such data on our servers. Should this position change in the future, any cross-border transfer of personal data would be carried out consistently with the PDPO (including section 33 thereof, to the extent in force) and we would update this Policy accordingly.
8.1 Information stored locally on your device is protected by the security features of your own device and operating system (such as device passcodes, biometric locks, and platform sandboxing). You are responsible for maintaining the security of your device.
8.2 While we take reasonable steps to design the App so that it does not unnecessarily expose information, no method of electronic storage is completely secure, and we cannot guarantee absolute security of information held on your device.
9.1 The App contains links to third-party websites, including those of banks, card issuers, and merchants (for example, “Apply” links). These are provided for your convenience only. Some links may in the future be referral or affiliate links (see our Terms of Use); any information collected on a third party’s website after you follow a link is collected by that third party under its own privacy policy, not by us.
9.2 We do not control, and are not responsible for, the content, privacy practices, or data handling of any third-party website or service. We encourage you to review the privacy policy of any third party before providing it with your personal data.
The App is not directed at children under the age of 18, and we do not knowingly collect personal data from children. As the App collects no personal data on our servers, no special collection in respect of children occurs.
11.1 Other than any email correspondence described in Section 3.6 (which we delete once the matter is resolved), we hold no personal data about you and have no server-side data to retain or erase.
11.2 You remain in full control of the information stored on your device. You may delete it at any time by clearing the App’s data or storage through your device or browser settings, or by uninstalling the App. Doing so will remove your saved cards and preferences.
12.1 The PDPO gives individuals the right to request access to, and correction of, their personal data held by a data user. Because we hold no personal data about you (other than any email correspondence described in Section 3.6), there is ordinarily no data for us to provide or correct; the information that exists is held locally on your device and is already accessible to and editable by you within the App.
12.2 If you nevertheless believe we hold personal data about you, you may make a data access or data correction request by contacting us using the details in Section 16. We will respond in accordance with the PDPO, including within the 40-day period required by section 19 of the PDPO.
Any web version of the App uses local storage strictly to remember the preferences described in Section 3.2. It does not use advertising cookies, cross-site trackers, or third-party analytics cookies. If you follow an outbound link (including any referral link described in Section 9.1), the destination website or affiliate network may set its own cookies on its own site; those are governed by that third party’s policies, not by us.
In line with platform requirements, our Apple App Store “App Privacy” label and our Google Play “Data Safety” disclosures reflect the practices in this Policy — namely, that no data is collected by us and no data is used to track you. We do not use App Tracking Transparency tracking, as we perform no tracking.
We may update this Policy from time to time to reflect changes in the App, the law, or regulatory guidance. The “Last updated” date at the top will indicate when the Policy was last revised. Material changes will be brought to your attention within the App where reasonably practicable. Your continued use of the App after any change constitutes acceptance of the revised Policy.
If you have any questions about this Policy or wish to exercise any right under the PDPO, please contact us:
You also have the right to lodge a complaint with the Office of the Privacy Commissioner for Personal Data, Hong Kong (PCPD) — www.pcpd.org.hk.
This Policy is governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region, and any dispute arising out of or in connection with it shall be subject to the exclusive jurisdiction of the Hong Kong courts.
This Policy is published in English and Traditional Chinese. If there is any inconsistency between the two versions, the English version shall prevail.
資料使用者：MaxSwipe 碌邊張（香港）（下稱「應用程式營運者」、「我們」或「本方」）。
本應用程式是一個信用卡獎賞計算工具。我們不設用戶帳戶，亦不會在我們的伺服器上收集、傳輸或儲存你的個人資料。你輸入的一切資料——你持有的信用卡、你的獎賞偏好、你的語言及外觀設定——均只儲存於你自己的裝置上，絕不會傳送給我們。我們不會追蹤你、不會展示由廣告網絡投放的第三方廣告，亦不會使用任何第三方分析工具。部分信用卡「申請」連結現時或日後可能屬可為我們帶來轉介費用的轉介連結（詳見第 9.1 節及我們的《使用條款》）；該等連結不會在本應用程式內涉及任何追蹤或廣告 Cookie。我們唯一可能持有的個人資料，是你自行選擇以電郵傳送給我們的資料，而我們只會為回覆你而保留該等資料；此外，一如所有網站，網頁版本的寄存服務供應商會保留短暫的技術紀錄。詳情載於以下各節。
3.1 我們在伺服器上收集的個人資料：沒有。本應用程式沒有登入、沒有註冊，亦沒有後端帳戶系統。我們不會要求、亦不會接收你的姓名、聯絡資料、身分證明文件號碼、金融帳戶號碼、信用卡號碼或任何其他可直接辨識身分的資料。
3.2 儲存於你裝置上的本機資料。為使本應用程式運作，以下資料會儲存於你的裝置本機（例如瀏覽器的 localStorage 或 iOS／Android 上的對應應用程式儲存空間），並由你自行掌控：
該等資料不會透過本應用程式離開你的裝置，我們亦無法存取。
3.3 計算輸入內容。你在計算工具中輸入的金額、消費渠道及類別，會在你的裝置上即時處理以生成結果，我們並不會保留。
3.4 平台及診斷資料。當本應用程式透過 Apple App Store 或 Google Play 發佈時，作業系統及應用程式商店平台可能會按照 Apple 及 Google 各自的私隱政策，收集有限的技術或診斷資料（例如當機紀錄、裝置型號或作業系統版本）。該等收集由上述平台以獨立資料控制者身分進行，而非由我們進行，並受其各自的條款規管。
3.5 網頁寄存紀錄。本應用程式的網頁版本及我們的網站（maxswipe.cc）由 GitHub, Inc. 營運的 GitHub Pages 寄存服務提供。一如大多數寄存服務供應商，GitHub 或會為保安及營運目的，暫時記錄技術資料（例如你的 IP 地址、瀏覽器識別字串及請求時間）。該等紀錄由 GitHub 按其本身的私隱聲明處理；我們不會接收、存取或使用該等紀錄。
3.6 通訊資料。如你選擇以電郵聯絡我們，我們將收到並持有你所提供的個人資料（例如你的電郵地址、姓名及訊息內容）。我們只會為回覆及處理你的查詢而使用該等資料，不會將其用於直接促銷，亦不會向任何第三方披露（第 6.2 節所述情況除外），並會在無需再為上述目的保留時將其刪除。
第 3.2 節所述的本機資料僅用於：
我們不會將任何資料用於用戶剖析、信用評估、具法律效力的自動化決策或直接促銷。
我們不會將你的個人資料（包括第 3.6 節所述的任何電郵通訊）用於直接促銷，亦不會將你的個人資料提供予任何第三方作直接促銷用途。我們不會在未按私隱條例所規定方式取得你的同意前，引入任何直接促銷用途。
6.1 由於本應用程式並不會在我們的伺服器上收集個人資料，我們不會出售、出租、分享或以其他方式向任何第三方披露你的個人資料（包括第 3.6 節所述的任何電郵通訊）。
6.2 我們僅在法律要求、法院命令，或香港或其他適用司法管轄區的主管監管或執法機關提出合法要求時，才會披露資料。
由於本應用程式並不會在我們的伺服器上收集你的個人資料，故不會將你的個人資料轉移至香港以外地方。倘日後情況有變，任何個人資料的跨境轉移將按私隱條例（包括其第 33 條，以其生效範圍為限）一致地進行，我們亦會相應更新本政策。
8.1 儲存於你裝置本機的資料，受你自己裝置及作業系統的保安功能（例如裝置密碼、生物特徵鎖及平台沙盒機制）保護。你有責任維護你裝置的保安。
8.2 雖然我們會採取合理步驟設計本應用程式，以免不必要地暴露資料，但任何電子儲存方式皆非絕對安全，我們無法保證儲存於你裝置上的資料絕對安全。
9.1 本應用程式載有指向第三方網站的連結，包括銀行、發卡機構及商戶的網站（例如「申請」連結）。該等連結僅為方便你而提供。部分連結日後或會成為轉介或聯盟（affiliate）連結（詳見我們的《使用條款》）；你點按連結後在第三方網站上被收集的任何資料，均由該第三方按其本身的私隱政策收集，而非由我們收集。
9.2 我們不控制、亦不對任何第三方網站或服務的內容、私隱慣例或資料處理負責。我們建議你在向任何第三方提供個人資料前，先行查閱其私隱政策。
本應用程式並非以未滿 18 歲的兒童為對象，我們亦不會在知情下收集兒童的個人資料。由於本應用程式不會在我們的伺服器上收集任何個人資料，故不會就兒童作出任何特別收集。
11.1 除第 3.6 節所述的任何電郵通訊（我們會在事項處理完畢後刪除）外，我們並不持有任何關於你的個人資料，亦沒有任何伺服器端資料需要保留或刪除。
11.2 你對儲存於你裝置上的資料保有完全掌控權。你可隨時透過你裝置或瀏覽器的設定清除本應用程式的資料或儲存空間，或解除安裝本應用程式，以刪除該等資料。此舉將移除你已儲存的信用卡及偏好設定。
12.1 私隱條例賦予個人權利，可要求查閱及更正資料使用者所持有關於該個人的個人資料。由於我們並不持有任何關於你的個人資料（第 3.6 節所述的任何電郵通訊除外），故一般而言我們並無資料可供提供或更正；現有的資料儲存於你裝置本機，並已可由你在本應用程式內存取及編輯。
12.2 倘你仍認為我們持有關於你的個人資料，你可按第 16 節的聯絡方式向我們提出查閱資料或更正資料的要求。我們將按私隱條例作出回應，包括在私隱條例第 19 條規定的 40 日內回覆。
本應用程式的任何網頁版本，僅使用本機儲存以記住第 3.2 節所述的偏好設定。它不會使用廣告 Cookie、跨網站追蹤器或第三方分析 Cookie。如你點按任何對外連結（包括第 9.1 節所述的任何轉介連結），目的地網站或聯盟網絡或會在其本身的網站上設置其 Cookie；該等 Cookie 受該第三方的政策規管，與我們無關。
按照平台要求，我們的 Apple App Store「App 私隱」標籤及 Google Play「資料安全」披露，均反映本政策所載的慣例——即我們不收集任何資料，亦不使用任何資料追蹤你。由於我們並不進行追蹤，故我們不使用「App 追蹤透明度」（App Tracking Transparency）追蹤。
我們可能會不時更新本政策，以反映本應用程式、法律或監管指引的變化。頁首的「最後更新」日期會顯示本政策最後修訂的時間。在合理可行的情況下，我們會於本應用程式內提請你注意重大變更。你在任何變更後繼續使用本應用程式，即構成接納經修訂的政策。
如你對本政策有任何疑問，或希望行使私隱條例下的任何權利，請聯絡我們：
你亦有權向香港個人資料私隱專員公署（PCPD）提出投訴 — www.pcpd.org.hk。
本政策受香港特別行政區法律管轄並據其詮釋，因本政策引起或與其有關的任何爭議，均受香港法院的專屬司法管轄權管轄。
本政策以英文及繁體中文發佈。如兩個版本之間有任何歧異，概以英文版本為準。