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Cookie Policy

This cookie policy explains how cookies are used on the website of HKMC Annuity Limited ("the Company", "we", "our" and "us"), which is a member of the HKMC Group (i.e. The Hong Kong Mortgage Corporation Limited, its subsidiaries and subsidiary undertakings).

Cookies are small unique text files automatically stored on your computer or mobile device (e.g. smartphone or tablet) while you are visiting a website. When you return to these websites – or visit other websites that use the same cookies – they recognise these cookies and therefore your browsing device. Cookies help websites to do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences and generally improving your browsing experience. They can also help to ensure that advertisements you see online are more relevant to you and your interests. Cookies may be placed by us when you visit our website, or by third parties.

You have a choice not to accept cookies from us by setting your browser preferences to disable cookies but without the cookies, certain features on the Company's website will not work properly. You should check with your browser on how to configure the various cookie settings.

The Company’s website uses cookies to improve our internet service to you. This means the following information about your visit will be collected and stored automatically:

  • the internet domain and IP address from where you access our website;
  • the type of browser software and configuration and operating system used to access our website;
  • device information, wireless networks and general network information through which you access our website;
  • geolocation information of the device you used to access our website;
  • language setting, text size or fonts chosen, and other viewing preferences for visiting our website;
  • the date and time you access our website;
  • if you linked to our website from another website, the address of that website; and
  • the pages you enter, visit and exit our website from, content viewed, buttons clicked, durations of visits and other browsing history and activities.

The types of cookies used and why they are used in our website are as follows:

Necessary cookies. These cookies are essential in order to enable you to navigate our website. We use necessary cookies to make our website work. The website cannot function properly without these cookies. If you do not wish our website to use these cookies, you may be able to disable them using your browser settings but our website will not work correctly;

Analytical/performance cookies. These cookies allow us to recognise and count the number of visitors and to see how visitors move around and use our website. These cookies are used for web enhancement and optimisation purposes and to aggregate statistics on how our visitors reach and browse our websites. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily and to help us understand what interests our users, and measure how effective our advertising is; and

Targeting cookies. These cookies record your visit to the website, the pages you have visited and the links you have followed. We will use this information to make our website and any material displayed on it more relevant to your interests. We may also share this information with third parties such as Google, Facebook, Yahoo and Teads for this purpose.

Information collected by the use of cookies is in an anonymous format and contains no personally identifiable information about you. No user personal data is stored in the cookies. Our website does not use cookies to collect your personal data and we do not use, and have no intention to use the visitor data collected by cookies to personally identify anyone. However, you can disable cookies by changing the settings of your web browser.

We engage third parties, which include advertisers, search engines, social media platforms, and analytics platforms, such as Google, Facebook, Yahoo and Teads to analyse how visitors use our website, to understand the website traffic and to serve advertising on the third-party platforms.

The information collected by these third parties through cookies and other tools having the same function of online tracking such as tracking tags are used to find out more about our users, including number of the visitors, their behaviour and usage patterns, for more accurate reporting and to improve the effectiveness of our marketing. These cookies fall into the categories of analytical/performance cookies and targeting cookies.

Information recorded through the use of these third-party cookies and tools are aggregated, and no personally identifiable information about you is collected as a result of such research.

You should refer to such third parties’ own cookie and privacy policies for information about how they may use the information they collected, the information-collecting practices and opt-out arrangements.

All of the external websites you can reach through our website are to provide you with more information and elevate your browsing experience. However, we must tell you that we accept no responsibility or liability for the content, accuracy or availability of any external website you may come across.

The Company will retain the information collected online for as long as is necessary to fulfil the original or directly related purpose for which it was collected and to satisfy any applicable statutory or contractual requirements.

We use cookies for the purpose of enhancing your user experience. By continuing to browse this site, you acknowledge our terms of use of cookies. For more details, please read our Cookie Policy.

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