Privacy Policy

TimeDeposit King is a financial comparison platform headquartered in Hong Kong. We help consumers compare time deposit interest rates offered by licensed banks in Hong Kong. We are not a bank, financial institution, or credit intermediary. We do not hold, manage, or invest your funds.

If you have any questions about this policy, please contact us at: privacy@timedepositking.com

We collect two categories of information:

a) Information you provide to us:

• Account registration details (name, email address)

• Rate alert preferences and filter settings

• Deposit records you choose to track in your personal dashboard

• Contact form submissions

• Feedback and survey responses

b) Information collected automatically:

• Log data (IP address, browser type, pages visited, time stamps)

• Device information (operating system, screen resolution)

• Usage analytics (clicks, scrolls, session duration)

• Cookie identifiers and local storage values

We do not collect payment card information or sensitive personal data (e.g., national ID numbers, passport numbers).

We process your information for the following purposes:

• Service Delivery: To provide, operate, and maintain the Platform and its features, including the rate comparison engine, personal dashboard, and rate alert system.

• Communications: To send transactional emails (e.g., rate alerts, account notifications) that you have explicitly requested. We will not send marketing emails without your consent.

• Platform Improvement: To analyse usage patterns, identify bugs, and improve user experience.

• Legal Compliance: To meet our obligations under applicable Hong Kong laws and regulations.

• Security: To detect, prevent, and address fraud, abuse, and security incidents.

We operate under the legal basis of contract performance, legitimate interests, and your consent (where applicable). We do not use your data for automated decision-making or profiling that produces legal effects.

We use the following types of cookies:

• Strictly Necessary Cookies: Essential for the Platform to function (e.g., session management, authentication). These cannot be disabled.

• Analytics Cookies: Help us understand how visitors interact with our Platform. Data is aggregated and anonymised where possible.

• Preference Cookies: Remember your language and filter settings.

You can manage or delete cookies through your browser settings at any time. Disabling analytics or preference cookies will not prevent you from using the Platform, but may affect the user experience.

We do not sell, rent, or trade your personal information. We may share your information with:

• Service Providers: Trusted third-party vendors who assist us in operating the Platform (e.g., cloud hosting, email delivery, analytics). These providers are contractually bound to use your data only as instructed by us.

• Legal Authorities: If required by law, court order, or government authority, or to protect the rights, property, or safety of TimeDeposit King, our users, or the public.

• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the successor entity, subject to equivalent privacy protections.

Bank websites linked from our Platform operate under their own independent privacy policies.

We retain your personal data only for as long as necessary to fulfil the purposes described in this policy, or as required by applicable law.

• Active account data is retained while your account remains open.

• Anonymised analytics data may be retained indefinitely for statistical purposes.

• Upon account deletion, we will delete or anonymise your personal data within 30 days, except where retention is required by law.

We implement industry-standard security measures including:

• TLS/SSL encryption for all data transmitted between your browser and our servers

• Encrypted storage of sensitive account data

• Access controls limiting data access to authorised personnel only

• Regular security assessments and monitoring

While we take reasonable precautions, no internet transmission is completely secure. We encourage you to use a strong, unique password and to notify us immediately if you suspect any unauthorised access to your account.

Under the Personal Data (Privacy) Ordinance of Hong Kong, you have the right to:

• Access the personal data we hold about you

• Correct any inaccurate personal data

• Request deletion of your personal data (subject to legal retention requirements)

• Opt out of direct marketing communications at any time

• Lodge a complaint with the Office of the Privacy Commissioner for Personal Data (PCPD) at www.pcpd.org.hk

To exercise any of these rights, please contact us at privacy@timedepositking.com. We will respond to verified requests within 40 days, as required by Hong Kong law.

Our Platform is not directed at individuals under the age of 18. We do not knowingly collect personal data from minors. If you believe we have inadvertently collected data from a child, please contact us immediately and we will delete the data promptly.

Our Platform contains links to external bank and financial institution websites. These links are provided solely for your convenience. TimeDeposit King has no control over the content or privacy practices of these third-party sites and accepts no responsibility for them. We encourage you to review the privacy policies of any external site you visit.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the 'Last Updated' date at the top of this page. We encourage you to review this policy periodically. Your continued use of the Platform following any update constitutes your acceptance of the revised policy.