個人資料保護辦公室

Gabinete para a Protecção de Dados Pessoais

Office for Personal Data Protection

Updated:2013/12/02
Question:
Do people have the right to object the credit ratings made by the “automatic credit rating system”?

Answer:
The practice of a bank making credit rating of a customer by means of its “automatic credit rating system” is an assessment based on the bank’s contract with the customer. This practice is a prerequisite of establishing or implementation of their contract, and therefore the customer concerned must face whatever credit rating the “automatic credit rating system” may make and be bound by it (refer to No. 2 of Article 13 of the Personal Data Protection Act). The customer can object to the rating result, and if the customer does so, the bank should inform the customer of the specific data based on which the credit rating was made.

Back

Avenida da Praia Grande, N.º 804, Edif. China Plaza, 17.º andar, Macau Tel:(853) 2871 6006 Fax:(853) 2871 6116