Dear Palm Life users, we have updated the Privacy Policy for Palm Life Users. The updated content of this version of the Privacy Policy for Palm Life Users is mainly: instructions for optimizing the use of system permissions for Palm Life.
Version release/update date: February 9, 2024
Version effective date: February 21, 2024
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Dear Palm Life APP (also known as "Palm Life") user (hereinafter referred to as "you"), Credit Card Center of China Merchants Bank Co., Ltd. (registered address: No. 686 Lai'an Road, Pudong New Area, Shanghai, China); Common office address: No. 686 Lai'an Road, Pudong New Area, Shanghai, China; Contact: 400-820-5555; Hereinafter referred to as "us") attaches great importance to the privacy of users and understands the importance of personal information to you. We will protect your personal information and privacy security in accordance with laws and regulations. We are committed to maintaining your trust in us and strictly abide by the following principles to protect your personal information: the principle of consistent rights and responsibilities, the principle of clear purpose, the principle of consent by choice, the principle of minimum necessity, the principle of ensuring security, the principle of subject participation, the principle of openness and transparency, etc. At the same time, we promise that we will take appropriate security measures to protect your personal information according to the mature security standards in the industry. When you use Palm Life, we will collect, store, use and share your personal information with others in accordance with the Palm Life User Privacy Policy (hereinafter referred to as the "Policy").
In order to ensure the legal, reasonable and proper collection and use of your personal information, as well as the safe and controllable transmission and storage of your personal information, we have formulated this policy, Before using our products or services, please carefully read and understand this policy and make sure you understand our rules for handling your personal information. During the reading process, if you have any questions, you can contact our customer service (customer service hotline: 400-820-5555) for consultation. If you actively check or click "Agree" to this policy or explicitly choose to agree to this policy in other ways, it means that you agree to the terms of this policy and agree that we collect, use, store and share your relevant information in accordance with this policy.
We will collect and use your information in accordance with this policy, but we will not collect personal information in a package by means of mandatory binding only because you agree to this policy. When you use or turn on related functions or use services, we will collect and use the information necessary for realizing the functions or services. You can refuse to provide information unless it is necessary to realize basic business functions or according to laws and regulations. We will explain which information is necessary in this policy item by item.
If you do not log in to the handheld life account, we will guarantee the basic function of information push through the corresponding identifier information of the device. If you log in to the handheld life account, we will push information according to the account information. For the setting method of personalized recommendation related functions, see the "personalized recommendation" section of this policy.
This policy is applicable to your access to and use of our products and services through Palm Life, China Merchants Bank website, Palm Life Software Development Kit (SDK) and Application Programming Interface (API) for third-party websites and applications.
This policy will help you understand the following:
1、 How we collect your personal information
2、 How do we use cookies and other technologies
3、 How we store and protect your personal information
4、 How we use your personal information
5、 How can we provide your personal information externally
6、 How do you access and manage your personal information
7、 Statement of Third Party Liability
8、 Special Agreement on the Protection of Personal Information of Minors
9、 How your personal information is transferred globally
10、 Application and update of this policy
11、 Key words in this policy
12、 Jurisdiction and application of law
13、 How to contact us
We will explain to you through this policy how we provide you with services to access, update, manage and protect your personal information. This policy is closely related to your use of our services. We recommend that you carefully read and understand all the contents of this policy and make the appropriate choices you think. For the clauses in this policy that have a significant relationship with your rights and interests and sensitive personal information about you, we mark them in bold to remind you.
In order to comply with national laws, regulations and regulatory provisions (for example, to conduct real name management, perform anti money laundering duties, and take risk prevention measures), and also to provide you with services and improve service quality (for example, to support us to develop new products or improve the functions of existing products, and to provide and recommend you with better or suitable services), we need to collect, store Use and provide your information externally. You agree that we will process your information in accordance with this policy, so that you can enjoy high-quality, convenient and personalized services, and better protect your account and fund security.
1、 How we collect and use your personal information
In the following cases, we need to collect some of your information to provide you with services, improve our service quality, ensure your account security and comply with national laws, regulations and regulatory provisions:
（1） Perform anti money laundering obligations and conduct real name management in accordance with laws, regulations and regulatory provisions
When you register your handheld life account or use the handheld life service, You need to provide your mobile phone number. We will verify your identity by sending a SMS verification code. You can use some of our services (including payment, credit card activation, bank card binding, and purchase of financial service products) only after multiple cross verification of basic identity information. If you need to use such services, you need to provide more information (including Name, ID number, card number, mobile phone number, equipment information, geographical location information, network information, card validity, card security code ）To complete multiple cross validation of basic identity information. At the same time, in order to verify the accuracy and completeness of the information you provide, we will check with the People's Bank of China and other state organs, financial institutions (including clearing institutions), enterprises and public institutions that legally retain your information; If we need to collect your information from the previous verification agency during verification, we will require the relevant verification agency to explain its personal information source and confirm the legitimacy of its personal information source in accordance with laws, regulations or regulatory provisions. If you do not agree to provide the above information, we will not be able to provide you with the above services, but it will not affect your use of other basic function services.
（2） Payment
1. In order for you to use the quick payment service to realize the functions of bank card based credit card binding, payment, repayment, wealth management, overpayment withdrawal, automatic repayment settings, etc., you need to provide your Bank card number, name, certificate information, bank reserved mobile phone number 。 We will verify the above information with China UnionPay, the issuing bank or a third-party payment institution. If you do not provide the above information, you may not be able to use the quick payment service;
2. When you pay to the merchant, we need to manage the merchant (including: identifying and preventing cash out or fraud) according to laws, regulations and regulatory provisions. At the same time, in order to provide you with the bill query management function, we need to collect information about your transactions from the merchant (including: Payment amount, payment object, product name, distribution information ）。 If you do not agree to provide the above information, you may not be able to complete the transaction;
3. In order to ensure the security of your account and fund, when you need to reset your password through Palm Life, you can choose our face verification service to provide us with your Facial image or video , to verify your identity. If you do not agree to provide the above information, you can still verify it by other means.
4. In order to enable you to use the payment service more safely and conveniently, if your device and handheld life version both support the fingerprint function, you can choose to activate the fingerprint payment function. You need to enter your Fingerprint information , when you make fingerprint payment, you need to complete fingerprint verification on your device. We only receive verification results, not your fingerprint information. If you do not want to use fingerprint verification, you can still pay by other means;
5. In order to allow you to use the payment service more safely and conveniently, if your device and handheld life version both support the face function, you can choose to activate the face payment function. You need to enter your Facial information , when you make face payment, you need to complete face verification on your device. We only receive the verification results, not your face information. If you do not want to use face verification, you can still pay by other methods.
（3） Identify risks and ensure account security
In order to improve the security of your use of our services and prevent your funds and personal information from being obtained by criminals, we need to record the types, methods and relevant operating information of the handheld life services you use, including Network information, IP address, handheld life version information, geographical location information, device information (device model, device MAC address (WIFI MAC address, Bluetooth MAC address), device status, hardware serial number, device name, sensor) Software installation list (only use the method of obtaining application information to obtain the installation/update time information of non-specific applications, and do not collect, submit or retain any identifiable applications or application list information), biometric information (facial recognition features, fingerprint verification results) OAID, BSSID, SSID, ICCID, ANDROID_ID, IMSI, IMEI, IDFV, Sim serial number, operator information, card number, card validity period, card security code and other log information related to handheld life services. If you do not agree to provide the above information, risk control verification may not be completed.
To ensure the security of the handheld life running environment, we will call the process list of the handheld life app to determine the current process status, and will not collect your software list information.
（4） Apply for credit card
When you apply on Palm Life When using a credit card, you need to provide Name, ID card number, pinyin, mobile phone number, company name, company address, industry type, job title, education background, e-mail address, residential address, company phone number, card sending address, name, mobile phone number and kinship credit card application Information for your credit card application review. You can also choose to provide Home phone number, other relatives' contacts, other contacts' mobile phones, other contact relationships, property status, unit type, current length of service, department, license plate number, and annual income The information is used to assist credit review and verification, and this part of information is not mandatory.
When you apply for a student card on Palm Life, you need to supplement your Name, province, city and address of the school 。
When you recommend someone else to apply for a credit card, you need to provide your Name and ID card number And the recommended Name, mobile phone number, gender, work status, company name, province and city where the company is located , and accept that we will full name Open to your referrals. If you do not agree to provide the above information, we will not be able to provide you with the above services.
If you apply for a credit card on Palm Life through the recommendation of others, you agree and authorize us to show or push your name, mobile number and the application progress of the credit card to the recommender. We will desensitize your information by content replacement to protect your information security. If you do not agree to provide the above information, we will not be able to provide you with the above services.
You agree and authorize China Merchants Bank and us to retain the above relevant information according to the requirements of laws and regulations and business needs (including video data), for business handling, litigation and dispute handling, legal and regulatory (including anti money laundering) needs Save your personal information, China Merchants Bank and we only determine the retention period of personal information according to the requirements of laws and regulations and the time limit necessary to achieve the purpose of this policy statement, and retain your personal information within this period. The storage period shall be five years from the date of termination of your business with us and China Merchants Bank. If laws, administrative regulations, government rules, and regulatory provisions require a longer retention period for relevant data, they shall be observed.
（5） Purchase of hotel products
When you book hotels and hotel related products through Palm Life, you may also need to provide service providers with your real name information through us according to the requirements of service providers (such as hotels, travel agencies and their authorized agents), which may include your real name information ID number, subscriber information (name, card level information, phone number), contact information (name, phone number), e-mail address. When you request invoicing services, you need to provide your Billing information and e-mail address; If you do not agree to provide the above information, we and relevant service providers will not be able to provide you with the above services.
（6） Air ticket purchase
When you book a ticket through Palm Life, you need to provide your Name of the passenger, ID number, contact name, mobile phone number and invoice delivery address information.
（7） Purchase in Palm Mall
When you browse and purchase goods through the handheld life, in order to facilitate your use of the search function, the handheld mall may record Your historical search keywords ； In order to help you understand the product evaluation, the Palm Store may be displayed on the product introduction page Your product evaluation content ； During the order placing process, you need to provide at least Name, address and telephone number of the consignee , we will send your Order, recipient information, invoicing information Provide third-party commodity suppliers with services such as delivery and invoicing, and require suppliers to keep your order and consignee information confidential.
（8） Purchase of insurance products
1. When you carry out insurance, preservation, claim settlement, surrender, customer service, appointment and evaluation related insurance business through Palm Life, we will collect your name, gender, nationality, occupation, address, contact information Type and number of valid ID card, ID card image, social security, annual income, past medical history, bank card number, inspection report, accident location, hospital 。 If your parents, spouse or children are involved in the application for insurance, preservation, claim settlement, surrender, customer service, appointment and evaluation related businesses, we will collect the above personal information from you. When you provide us with the above information about your close relatives, you should ensure that they have obtained their consent. We will collect this information with your explicit and separate consent. If you do not agree to provide this information, you may not be able to use the business related to insurance, preservation, claim settlement, surrender, customer service appointment and evaluation. If we collect your children's personal information and your children are minors under the age of 14, we will treat their personal information as sensitive personal information and protect them in accordance with the "Special Agreement on the Protection of Minors' Personal Information" of this policy.
2. When you apply for insurance through Palm Life, we will also collect your insurance track according to relevant laws and regulations. The "insurance track" includes relevant transaction information, policy information, and account information. "Identity information" includes your name, gender, nationality, occupation, domicile (or habitual residence) and contact information, The type, number and video copy of the identity document or identity document. The above information in black and bold is your sensitive personal information, We will collect this information with your explicit and separate consent. If you do not agree to provide or retain this information, you may not be able to use some services related to regulatory requirements, but it will not affect your use of other services provided by us.
（9） Identify online fraud
In order to fully identify online fraud and ensure the right of users to participate in various services of handheld life, we need to record the relevant information of your device when using handheld life, including Network information, device information, geographical location information and log information related to handheld life services.
（10） Recommended users
When you recommend others to use Palm Life or recommend others to apply for China Merchants Bank credit card through Palm Life, we may ask whether you allow Palm Life to read your address book information for more convenient recommendation. Refusing to read the address book will not affect your normal recommendation of users.
（11） Data management
In order to meet the regulatory requirements, we will record the information you filled in when applying for a credit card ID information, address information, occupation information, contact information, relationship information, owner information and individual tax resident identity statement document, and provide you with the function of data maintenance.
（12） Information browsing
1. We may recommend you more interesting information, discounts and products. To achieve this function, we may collect necessary log information 。 The log information used for information display includes: (1) Behavior information you operate and use: including browsing, sliding, clicking, searching, following, reading, collecting, liking, sharing, refreshing, and returning.
(2) Information you actively provide: including feedback, comments, and publishing.
（3） geographical position Information: GPS information, WLAN access point.
2.GPS geographical position It is sensitive personal information. If you refuse to provide it, we will not recommend information to you based on GPS information.
（13） Release and interaction
1. Information release
When you publish content and comments, we will collect your published information and display your nickname, avatar, published content and time.
2. Interactive communication
You actively follow and interact with the accounts and topics you are interested in. When you browse, comment, collect, like or share content, we will collect the accounts you follow, and show you the content published by the accounts you follow.
（14） Search
You can accurately find the goods or services you need by searching. We will keep your search keywords to facilitate you to re-enter or show you the goods or services associated with your search content. Please note that your search keyword information can not identify you separately, and we have the right to use your personal information that does not belong to you; Only when your search keyword information is used in combination with your other information and can accurately identify your identity, during the combined use, we will treat and protect your search keyword information as your personal information along with your search history in accordance with this privacy policy.
（15） Xiaozhao Assistant Customer Service
1. In order to provide you with the function of customer service conversational charging, you need to provide your cell-phone number, In order to generate a phone recharge order.
2. In order to improve your service experience and service quality, we may collect necessary log information, including: (1) Behavior information you operate and use: palm life The visit duration of each page, palm life, and the number of visits to each page;
(2) Information you input actively: Text information and voice information to ask the customer service robot;
(3) The rights you are authorized to use the service and the personal information required by the service: Camera and album permissions, microphone permissions, network permissions, location permissions, clipboard permissions, personal basic information, login information, data information, and billing information.
（16） Undergraduate certification
When you use the college student certification function on the handheld life app, we need you to provide Your name, ID card number, school and student status information And send the encrypted information to the China Higher Education Student Information Network (Xuexin Network) to verify the validity of the student status information.
（17） Personalized recommendation
1. In order to provide you with content services that better meet your needs, we will use your Basic personal information (including age, gender, education, income, billing city, and bound vehicle information), credit card consumption information (including consumer goods, amount, time, and merchants), handheld life transaction information (including transaction goods, amount, time, and merchants), and handheld device information (including mobile phone model, operating system, and your reading and clicking behavior in handheld life) Geographic location information Conduct data analysis and recommend high-quality articles, videos, products and other content to you.
2. For the purpose of precise product recommendation, we will use your Gender, age, product search, browsing, additional purchase, collection, purchase information It is used for data analysis. Guess your favorite business scenarios in the mall to recommend products and product list information to you.
3. In order to better show you the appropriate When redeeming points for gifts, we will use your points account information, credit card transaction information, and transactions and behaviors in Palm Life It is used for data analysis to recommend points gifts to you in the business scenario of point redemption.
4. In order to provide you with a "car recommendation" service that better meets your personalized needs, we will use your Basic personal information (including age, gender, bound vehicle information, whether to handle car installment, fixed quota, and the number of active days in palm life), car related consumption information (including car related consumption date, category, preference), APP browsing behavior (including car model click, price inquiry, configuration query behavior), geographical location information Carry out data analysis and recommend high-quality models to you in the "car life" business scenario.
5. We will use your Geolocation information, browsing and clicking information of palm life, meal ticket trading information of palm life, shadow ticket trading information of palm life, trading information of palm life mall It is used for data analysis to recommend food tickets, photo tickets, stores, business circles, commodities, activity information and other information to you in the business scenarios of the information flow of the Huilivingpage and the mall (the information flow of the handhold life version below 9.0 in the selection page and the mall guess your favorite business scenarios).
In the above business functions, we may only make decisions based on non manual automatic decision-making mechanisms such as information systems and algorithms. If these decisions significantly affect your legitimate rights and interests, you have the right to ask us for an explanation. You can turn off personalized recommendation through "My" ->"Settings" ->"Privacy Management" ->login to the handheld life account ->"Personalized Recommendation Settings" (users of handheld life version below 9.0 please select "My" ->"Settings" ->"Security Management" ->login to the handheld life account ->"Personalized Recommendation Settings") 。 After closing, we will no longer push information and conduct commercial marketing to you through automated decision-making. We will replace it with other non customized content. Personalized recommendation content of Palm Life will stop pushing after personalized recommendation is closed. After you close personalized recommendation, you can still select Open again. Please understand that the closing path on different versions of the App may be different. If you can't find the closing button or have any problems with personalized recommendation, you can contact us by visiting the online customer service system of Handheld Life or calling our customer service hotline 400-820-5555 (for complaints, please call 400-820-5555 ext. 7).
（18） System Permission Description
When you use the corresponding service of handheld life, you may need to call or use your system permissions to collect and use your personal information. Before you use the service, you can choose whether to authorize us to open the following permissions:
1. Telephone status permission: It is used to obtain your device identification information, device status information, and device environment information. If you choose not to enable this permission, Palm Life will not read the device status. At the same time, you may need to perform security verification of account login through other methods, but this does not affect your use of other functions provided by Palm Life.
2. Storage permission: It is used to read or cache the text, image or video content you need in the process of using the handheld life, as well as for scanning, online customer service, certification application and other functions. If you choose not to enable this permission, the above functions may not work properly.
3. Camera permissions and album permissions: It is used to identify QR code, ID card Face recognition , AR, photographing, screenshot feedback and other functions. If you choose not to enable this permission, you will not be able to use specific functions related to real-time shooting or picture uploading, but this will not affect your use of other functions provided by Palm Life.
4. Microphone permission: It is used for intelligent robot interaction, voice customer service, and network call functions. If you choose not to enable this permission, you will not be able to use specific functions related to voice input, but this will not affect your use of other functions provided by Palm Life.
5. Address book permission: It is used to recommend courtesy and charge recharging functions. We will collect your address book to help you quickly select phone numbers through the address book, without your manual input. If you choose not to enable this permission, the above functions can still be used, but you need to enter the mobile phone number manually.
6. Location information permission: Used to get your geographical position In order to identify fraud risks and present local information and services, such as merchant display and sorting, local content information display, meal ticket business, hotel reservation business, etc. If you choose not to enable this permission, the above functions may not work properly. You can also manually set the city information on the pages of Handheld Life Discovery, Benevolent Life, Car Mall (users of Handheld Life version below 9.0 please select the "Featured" page).
7. Network permissions: It is used to communicate with the server. If you choose not to enable this permission, all functions of Palm Life cannot be used.
8. Application list: It is used to prevent and control the fraud risk of palm life transactions. If you choose not to enable this permission, Palm Life will not read the content of the application list, but this does not affect your use of other functions provided by Palm Life.
9. Calendar permission: It is used to remind people of movie tickets, activities and sales. If you choose not to enable this permission, you will not be able to use the calendar reminder function, but this will not affect your use of other functions provided by Palm Life.
10. Shearing plate: It is used for password shortcut function. If you choose not to enable this permission, Palm Life will not read the contents of the clipboard, and you will not be able to use the password shortcut function, but this does not affect your use of other functions provided by Palm Life.
11. Suspended window permission: It is used for floating display of network phone dialing. If you choose not to enable this permission, you will not be able to use the above functions normally, but this will not affect your use of other functions provided by Palm Life.
12. Sensor permissions: It is used for fraud risk prevention and control. If you do not enable this permission, Palm Life will not collect your sensor information, but this will not affect your use of other functions provided by Palm Life.
13. Notification authority: It is used to send mobile life push notifications to you through the mobile phone notification bar. If you choose not to enable this permission, you will not be able to receive push notifications from the mobile notification bar, but this will not affect your use of other functions provided by Palm Life.
14. Bluetooth permission: It is used to activate the handheld life boarding code function. We will obtain your Bluetooth permission so that you can activate and display the boarding code. If you choose not to enable this permission, you will not be able to use the car code function of Handheld Life, but this will not affect your use of other functions provided by Handheld Life.
15. NFC authority: It is used in UnionPay HCE, palmtop life identity verification and other scenarios. If you refuse to grant NFC permission, you will not be able to use the above functions, but this will not affect your use of other functions provided by Palm Life.
The above functions may require you to open your phone status, storage, camera, photo album, microphone, address book, SMS position information , network, calendar, floating window, sensor, notification, Bluetooth, NFC permissions, to achieve the collection and use of information involved in these functions. After you agree to open the above permissions, we will collect and use the corresponding information. If you cancel these authorizations, we will not continue to collect and use your information, but at the same time, we cannot provide you with the above functions corresponding to these authorizations.
（19） Change of purpose of collecting and using personal information
You know that with the development of our business, the functions and services provided by the handheld life may be adjusted and changed. In principle, when the new function or service is related to the function or service we currently provide, the personal information collected and used will be related to the original processing purpose. In the scenario unrelated to the original processing purpose, we will collect and use your personal information, inform you again, and obtain your consent.
（20） We obtain your personal information from a third party
We may obtain the account information (avatar, nickname) you are authorized to share from a third party (such as WeChat, Apple, Huawei), and bind your third-party account with your handheld life account after you agree to this policy, It enables you to directly log in and use the handheld life functions and services through a third-party account.
（21） Exceptions to obtaining authorization
According to laws and regulations, regulatory requirements and national standards, we may process your personal information without your consent under the following circumstances:
1. It is necessary to conclude and perform the contract to which you are a party, or to implement human resources management in accordance with the labor rules and regulations formulated according to law and the collective contract signed according to law;
2. Necessary for performing legal duties or obligations;
3. It is necessary to respond to public health emergencies or protect the life, health and property safety of natural persons in emergencies;
4. Implement news reporting, public opinion supervision and other behaviors for the public interest, and process personal information within a reasonable range;
5. Dispose of your personal information disclosed by yourself or other legally disclosed personal information within a reasonable range in accordance with legal provisions;
6. Other circumstances stipulated by laws and administrative regulations.
（22） Others
When we provide you with other business functions, we will separately explain the scope and purpose of information collection to you, and collect your information necessary for providing corresponding services with your consent. We will use, store, provide and protect your information in accordance with this policy and the corresponding user agreement.
Please know that if you refuse to agree to the privacy policy, the handheld life app will not be able to obtain network information such as IP address, and you will not be able to use the app normally.
Because of the version iteration, com.project.foundation is the name of the internal package of Palm Life. This code package collects personal information as a Palm Life App behavior, and is not collected by a third party.
2、 How do we use cookies and other technologies
In order to make your access experience easier, when you use Palm Life and related services, we will send small data files named Cookies on your computer or mobile device to identify you. We send you cookies to simplify the steps of repeatedly entering information to log in to your account, store your preferences, help judge your login status and account or data security, and provide you with friendly and secure services.
We will not use cookies for any purpose other than those stated in this privacy policy. The cookies we send to you are unique and can only be read by the handheld life server. You can manage or delete cookies according to your own preferences. You can clear all cookies saved on your computer or mobile device. Most web browsers are equipped with the function of blocking cookies. You can usually modify the settings of the browser to reject cookies according to your own needs. However, if you do this, you may need to change the user's settings in person each time you visit Palm Life, It may affect your safe access to and use of the services provided by Palm Life.
3、 How we store and protect your personal information
（1） Personal information collected and generated by us in the People's Republic of China will be stored in the People's Republic of China. If some products involve cross-border business and we need to transmit relevant personal information collected in China to overseas institutions, we will implement in accordance with laws and regulations and the provisions of relevant regulatory authorities, and require overseas institutions to ensure the security of your personal information by signing agreements, on-site verification and other effective measures.
（2） We will only save your personal information during the period necessary for the purpose described in this policy and within the time limit prescribed by laws, regulations and supervision. We will keep your identity data and transaction records in accordance with the Anti Money Laundering Law of the People's Republic of China, the Administrative Measures for the Customer Identification of Financial Institutions and the Preservation of Customer Identity Data and Transaction Records, the Administrative Measures for the Anti Money Laundering and Anti Terrorist Financing of Payment Institutions and other laws and regulations.
（3） To ensure your information security, we are committed to using various security technologies and supporting management systems to minimize the risk of your information being leaked, damaged, misused, unauthorized access, unauthorized disclosure and change. For example, the network security layer software (SSL) is used for encrypted transmission, encrypted storage of information, access to the data center is strictly restricted, and private network channels and network agents are used. At the same time, we have set up relevant internal control systems, and the principle of minimum and sufficient authorization is adopted for staff who may have access to your information; Systematically monitor the staff's behavior in handling your information, and constantly promote the staff's training of relevant laws and regulations, privacy and security guidelines and security awareness.
（4） We will regularly organize relevant internal personnel to carry out emergency response training and emergency drills, so that they can master their job responsibilities and emergency response strategies and procedures. In case of an unfortunate personal information security incident, we will timely inform you of the basic situation and possible impact of the security incident, the disposal measures we have taken or will take, the suggestions you can independently prevent and reduce risks, and the remedial measures for you in accordance with the requirements of laws and regulations. We will inform you about the event in a timely manner by means of APP push notification, email/SMS (we will choose one or more methods according to the actual situation). If it is difficult to inform the personal information subject one by one, we will take a reasonable and effective way to publish the announcement. At the same time, we will actively report the disposal of personal information security incidents according to the requirements of the regulatory authorities.
（5） The system and communication network you use to access your handheld life may have problems due to factors beyond our control. Therefore, we strongly recommend that you take positive measures to protect the security of your personal information, including but not limited to the use of complex passwords, regular password changes, and not disclosing your account passwords and relevant personal information to others. Please be sure to keep your palmlife login name and other identity elements properly. When you use Palm Life, we will identify you by your login name and other identity elements. Once you disclose the above information, you may suffer losses and may have adverse legal consequences for you. If you find that the Palm Life login name and/or other identity elements may or have been disclosed, please contact us immediately so that we can take appropriate measures in time to avoid or reduce the related losses.
（6） Although the above reasonable and effective measures have been taken, and the standards of relevant laws, regulations and regulatory requirements have been complied with, due to technical restrictions and possible malicious means, in the Internet industry, even if we try our best to strengthen security measures, it is impossible to always ensure 100% security of information, We will try our best to ensure the security of the personal information you provide us.
（7） Once you leave the handheld life, browse or use other websites, services and content resources, we will have no ability and direct obligation to protect your software outside of the handheld life, any personal information submitted by the website, no matter whether you log in, browse or use the above software, website is based on the links or guidance on the handheld life.
（8） After you stop using Palm Life, we will stop collecting and using your information, unless otherwise specified by laws and regulations or regulatory authorities. If we stop operation, we will stop collecting your personal information in a timely manner, notify you of the notice of stopping operation in the form of one by one delivery or announcement, and delete or anonymize your personal information held, unless otherwise specified by laws and regulations or regulatory authorities.
4、 How we use your personal information
（1） In order to comply with national laws, regulations and regulatory requirements, provide you with services and improve service quality, or ensure the security of your account and funds, we will use your information in the following situations:
1. We will use the collected personal information in accordance with this policy and in order to realize our product and/or service functions;
2. In order to let you know the state of using the handheld life, we will send you a reminder. In order to timely inform you of the relevant information about the use of China Merchants Bank credit card or handheld life app, we will push you the corresponding rights reminder, activity information and content information through the mobile notification bar after you open the notification authority of handheld life. The equity reminder is sent when the relevant matters change; Send activity information and content information for a limited number of times. You can turn off the reminder through the notification settings in the mobile phone system settings. You can also turn on reminders again through notification settings;
3. In order to ensure the stability and security of the service, we will use your information for identity verification, security prevention, fraud monitoring, prevention or prohibition of illegal activities, risk reduction, archiving and backup purposes when introducing related products to you (including but not limited to SMS, telephone, etc.);
4. Report to relevant departments according to laws and regulations or regulatory requirements;
5. Invite you to participate in customer research related to our products or services;
6. We will conduct comprehensive statistics, analysis and processing of your information to provide you with more accurate, personalized, smooth and convenient services, or help us evaluate, improve or design products, services and operational activities. We may provide you with marketing activity notice (including but not limited to SMS, telephone, etc.), commercial electronic information or advertisements you may be interested in according to the above information. If you do not want to receive such information, you can choose to unsubscribe according to the method we prompt;
7. After collecting your personal information, after we anonymize your information data through technical means, such anonymous information will not be able to identify the information subject, who has the right to use it directly without your consent, and has the right to analyze and commercialize the user database;
8. We will make statistics on the use of our products and/or services, and may share these statistics with the public or third parties to show the overall use trend of our products and/or services. However, these statistics do not include any identification information of you;
9. When we display your personal information, we will desensitize your information, including content replacement and anonymization, to protect your information security;
10. The details of money saving can help you review the preferential use of your credit card of China Merchants Bank and the handheld life app of the official client of China Merchants Bank's credit card. When you view the details of money saving in the scenarios such as the preferential life page and rebate center, we need to review your credit card consumption, the use of credit card phasing and repayment preferences, As well as the usage of the payment discount of the handheld life account, query, analyze and summarize.
11. We may cooperate with partners engaged in advertising, content promotion or data services and entrust them to process information related to advertising coverage and effectiveness, but unless we get your permission, we will not share information that can identify you personally, or we will only provide partners with processed information that cannot identify you personally, To help them improve the effective reach rate of promotional content without recognizing your personal identity.
（2） When we want to use the information for other purposes not specified in this policy, we will ask for your consent again in the form of confirmation agreement, copy confirmation action under specific scenarios, etc. according to the requirements of laws, regulations and national standards.
5、 How can we provide your personal information externally
（1） Share
1. Sharing principle
We promise to keep your information confidential. Unless otherwise specified by laws, regulations and regulatory authorities, we only share your information with third parties, including but not limited to our affiliated companies, cooperative financial institutions and other partners, in the following cases. Before providing the information to a third party, we will make commercially reasonable efforts to evaluate the legality, legitimacy and necessity of the information collected by the third party. We will sign relevant legal documents with the third party and require the third party to comply with laws and regulations, regulatory requirements and signed legal documents when processing your personal information, and require the third party to take protective measures against your information.
(1) In order for you to complete the transaction and achieve the transaction purpose, we need to provide Transaction number and relevant payment information At the same time, your counterpart can view your Partial registration information ；
(2) Some products or services may be provided by a third party or jointly provided by us and a third party, therefore, Only by sharing your information can you provide the products or services you need 。 For example, when you purchase financial products through Palm Life, we need to provide your Valid certificate information and contact information To ensure that you complete the purchase process compliance requirements and ensure that your assets are accurately registered; Another example: when you pay for water, electricity and coal through palm life, we need to fill in the Payment number, payment unit, payment amount, payment item, region and payment period information It can only be provided to cooperative public institutions to enable you to complete payment; Another example: when you purchase movie tickets through Palm Life, we need to provide your cell-phone number To complete the invoicing process. When you purchase Ruixing Coffee Coupon through Palm Life, we need to transfer your cell-phone number Only by providing Ruixing Coffee can you recharge your purchased coupons into your Ruixing Coffee account; When you register as a Starbucks member through Palm Life and purchase Starbucks coupons, we need to transfer your cell-phone number The accumulation of good gift stars of Starbucks can only be completed by providing them to Starbucks; When you enjoy the delivery service, our cooperative delivery service providers, such as Ruixing, Naixue, KFC, Haidilao, Pizza Hut and Haagen Dazs, need to collect your cell-phone number and Address information Complete the delivery purchase and distribution process; When you enjoy the handheld life and brand merchants' joint membership service, our brand merchants, such as Uniqlo, Starbucks and Pizza Hut, need to collect your Mobile phone number, birthday and Gender The information completes the member registration process. Another example: when you book hotels and hotel related products through Palm Life, we need to fill in the full name Only the domestic and overseas hotels provided to you for reservation can complete your reservation and check in; Depending on the situation, some hotels need your Certificate No 。 During invoice distribution, we need to provide the invoice distribution address information you filled in to the logistics distribution to complete your invoice distribution. Another example: when purchasing goods through the handheld store in the handheld life, we need to provide third-party commodity suppliers with Name, address and telephone number of the consignee, Order shipment can be completed; When you need an invoice, you need to fill in the Billing title, recipient's telephone number, recipient's e-mail The invoice can be issued only when it is provided to a third-party commodity supplier.
(3) If you choose to participate in a lottery, contest or similar promotion activity jointly carried out by us and a third party, we may share with you the information generated in the process of the activity and necessary for the completion of the activity, so that the third party can give you prizes or provide you with services in a timely manner, We will, in accordance with the requirements of laws and regulations, regulatory requirements or national standards, clearly inform you of what personal information we need to provide to a third party on the activity rules page or through other channels;
(4) With your explicit consent in advance, we will share your information with a third party according to your authorization within the scope of laws and regulations and without violating public order and good customs.
(5) In order to complete your insurance, we will follow the principles of legality, legitimacy and necessity, and provide your personal information collected to the insurance company that underwrites your insured products. If necessary, a third party may contact and use your personal information, including authorized employees of insurance companies and corresponding service companies. All such personnel and companies are required to abide by relevant confidentiality agreements, as well as national laws and regulations on personal information protection, to ensure that your personal information is protected at any time. Except for the above purposes, we will not use your insurance information for any purpose without your consent.
2. Query by other users
In order to ensure that you can normally exercise the right to comment on the content articles of the handheld life platform and the products purchased by the handheld life, after you make comments, others can see the corresponding Nickname, avatar 。
3. Third party login
When you log in to a third-party website or APP using your Palm Life login name, please carefully read the third-party user service agreement or privacy policy, and we will provide some of your information to the third party according to your agreement with the third party.
4. Complaint handling
When you complain about the merchants or other businesses in the handheld mall, in order to protect the legitimate rights and interests of you and others, we may Name, valid ID number, contact information, complaint related content It shall be provided to the consumer protection department and regulatory authority for timely settlement of complaints and disputes, except for those expressly prohibited by laws and regulations.
5. Real name authentication
In order to accurately verify your identity information and provide services for you, you agree and authorize us to Name, ID information, card information, reserved mobile phone number of bank card It is provided to the People's Bank of China, China UnionPay, the Ministry of Public Security and other third-party cooperative institutions for identity verification.
6. Palm Life Repayment
If you choose to use the handheld life repayment service, in order to ensure the smooth progress of your repayment transaction, you agree and authorize us to follow the business rules of the People's Bank of China, UnionPay and UnionPay, and provide your Name, ID information, card information, reserved mobile phone number of bank card; We agree to authorize us as your entrusted agent to complete bank card verification of relevant businesses and sign the UnionPay collection agreement on your behalf in accordance with the business rules of the People's Bank of China, UnionPay and UnionPay.
7. Credit query and credit submission
When you apply for China Merchants Bank credit card application, additional cards and installment business through Palm Life, You agree and authorize China Merchants Bank and us to review your application (including qualification review and credit approval) In risk management, data management, limit management, asset preservation, objection verification, and asset management, inquire about and use your personal credit information from the People's Bank of China's basic financial credit information database and Baihang Credit Information Co., Ltd; To the legally established credit institutions (Baihang Credit Information Co., Ltd., Pudao Credit Information Co., Ltd.) and other relevant legal institutions (members of China Merchants Bank Group and its branches, the National Citizen ID Card Number Inquiry Service Center of the Ministry of Public Security, China UnionPay Co., Ltd., China Higher Education Student Information Network , legally established credit evaluation institutions or similar institutions permitted by relevant laws and regulations and regulatory authorities, administrative organs, public institutions, judicial authorities, communication operators, social security management institutions, housing provident fund management institutions) Query and use your personal identity information, operator information, personal biometric information, property information, education status information, social security information, provident fund information, credit information, industrial and commercial information, and judicial information.
You agree and authorize China Merchants Bank and us To handle your credit card application, additional cards and installment business, Submit your personal identity information, account information and personal credit information (including bad information) to the basic financial credit information database of the People's Bank of China and Baihang Credit Information Co., Ltd; If there are multiple accounts under your name, multiple account information shall be submitted. If the card under your name supports multi currency settlement, multiple currency account information shall be submitted.
（2） Assignment
We will not transfer your personal information to any company, organization or individual, except for the following circumstances:
1. Obtain your explicit consent in advance;
2. According to laws and regulations or mandatory administrative or judicial requirements;
3. If the transfer of personal information is involved due to merger, division, dissolution, bankruptcy and other reasons, we will inform you of the name and contact information of the recipient, and require new companies and organizations holding your personal information to continue to be bound by this policy. If the purpose of personal information use is changed, we will ask the company and organization to obtain your explicit consent again.
（3） Disclosure
We will only disclose your personal information under the following circumstances and on the premise of taking security measures that comply with industry standards:
1. We will inform you of the purpose of disclosure, the type of information to be disclosed and the sensitive information that may be involved if you disclose your designated personal information in the way of disclosure that you separately agree to;
2. If your personal information must be provided according to the requirements of laws and regulations, mandatory administrative law enforcement or judicial requirements, we may disclose your personal information according to the required type and disclosure method of personal information. On the premise of compliance with laws and regulations, when we receive the above request for information disclosure, we will require to issue corresponding legal documents, such as subpoenas or investigation letters. We firmly believe that the information we are required to provide should be as transparent as possible within the scope of laws and regulations. We will carefully review all requests to ensure that they have legal basis and are only limited to the data that law enforcement authorities have the legal right to obtain for specific investigation purposes.
（4） Delegated processing
In order to improve the efficiency of information processing, reduce the cost of information processing, or improve the accuracy of information processing, we may entrust our capable affiliated companies or other professional institutions to process user information on our behalf, but we will require the entrusted companies to comply with strict confidentiality obligations and take effective confidentiality measures through written agreements, on-site audits, etc, It is prohibited to use these information for purposes not authorized by you, and requires the entrusted company not to save personal information when the entrustment relationship is terminated, unless otherwise specified by laws and regulations or regulatory authorities.
（5） According to relevant laws, regulations and national standards, we may share, transfer and disclose your personal information without your consent under the following circumstances:
1. Necessary for the conclusion and performance of the contract to which you are a party;
2. Necessary for performing legal duties or obligations;
3. It is necessary to respond to public health emergencies or protect the life, health and property safety of natural persons in emergencies;
4. Implement news reporting, public opinion supervision and other behaviors for the public interest, and process personal information within a reasonable range;
5. Dispose of your personal information disclosed by yourself or other legally disclosed personal information within a reasonable range in accordance with legal provisions;
6. Other circumstances stipulated by laws and administrative regulations.
6、 How do you access and manage your personal information
We attach great importance to your attention to your personal information, and do our best to protect your right to access, correct, delete and withdraw your consent to your personal information, so that you have sufficient ability to protect your privacy and security. Your rights include:
（1） Access and correct your personal information
In addition to laws and regulations, you have the right to access the following personal information and correct some of it at any time, including:
1. Your account information
(1) Account name and mobile phone number: "My" - "Settings button" in the upper right corner - "Personal information" (for users below Palm Life 9.0, please select "My" - click avatar or "Data Management" to enter "Personal information") - access/correct avatar, nickname, login mobile phone number, real name information, shipping address, etc;
(2) Account login password, payment password, gesture password, face password, fingerprint password: "My" - "Settings button" in the upper right corner - "Password management" - access/correct account login password, payment password and other information;
(3) Device information and authorization information: "My" - "Settings button" in the upper right corner - "Privacy management" (users of handheld life versions below 9.0 should select "My" - "Settings button" in the upper right corner - "Security management") - access/correct the information such as the logged in device;
(4) Bank card: "My" - "Settings button" in the upper right corner - "Payment management" - access/correct account binding bank card, secret free payment;
(5) Customer information related to credit card of China Merchants Bank: "My" - "Settings button" in the upper right corner - "Data management" (for users with handheld life version below 9.0, please select "My" - click the avatar or "Data management" to enter "Personal data") - "All" - access/correct customer information related to credit card of China Merchants Bank under the account name.
2. Your transaction information
(1) Bill: You can access your credit card bill, cash loan, installment processing and other credit card bill information through the "Credit Card" page (please select "Finance" for users below Palm Life 9.0);
(2) Palm life order: You can access the food tickets, photo tickets and other historical order information of your palm life account through "My" - "Order".
3. If you need to access or correct other personal information generated in the process of using our products and/or services, please contact us at any time. We will respond to your request in the manner set out in this policy.
4. Personal information that you cannot access and/or correct: In addition to the information listed above, we are unable to provide you with access and/or correction services for some of your personal information, which is mainly your device information collected to ensure that transaction security meets the requirements of relevant mandatory laws and regulations, and personal information generated when you use financial products. We will use the above information in accordance with relevant laws and regulations within your authorization, and you cannot change or delete it.
（2） Get a copy of your personal information
You have the right to obtain a copy of your personal information. You can obtain a copy of your confirmed personal information by calling 400-820-5555 manual customer service. On the premise of compliance with relevant laws and regulations and technical feasibility, we will provide you with a copy of your personal information according to your requirements.
（3） Delete your personal information
Information that you can directly clear or delete on our product and/or service pages, including bank card binding, message record, cache record, published content, comment content, etc.
In the following cases, you can request us to delete the corresponding personal information by calling the customer service telephone 400-820-5555:
1. If we deal with personal information in violation of laws and regulations;
2. If we collect and use your personal information, it does not comply with the authorization exception described in this policy, but without your consent;
3. If our handling of personal information violates the agreement with you;
4. If you have cancelled your handheld life account;
5. If the processing purpose specified in this policy has been achieved, cannot be achieved, or is no longer necessary to achieve such processing purpose;
6. If you withdraw your consent;
7. If we terminate the service and operation, or the storage period has expired.
（4） Change the scope of your authorization or withdraw your authorization
1. You can revoke all our authorization to continue to collect your personal information by canceling your palmtop life account.
2. You can change the scope of authorization and consent through the following path in Palm Life:
(1) Third party account management: "My Settings Authorization Management"; (Please select "My - Settings - Security Management - Authorization Management" for users below Palm Life 9.0)
(2) System permission management: "My Settings Privacy Management System Permission Management". (For users below Palm Life 9.0, please select "My - Privacy - System Permission Management")
3. Please understand that each business function requires some basic personal information to complete. When you withdraw your consent or authorization, we cannot continue to provide you with the services corresponding to the withdrawal of your consent or authorization, nor will we process your corresponding personal information. However, your decision to withdraw your consent or authorization will not affect the previous personal information processing based on your authorization.
（5） Account cancellation
You can cancel your handheld life account through the handheld life client, but please note that the cancellation of your handheld life account is not the same as the cancellation of your bank account and personal card. Handheld life account logout is only for your Handheld life account. You can initiate self-service logout through "My" ->"Settings" ->"Privacy Management" ->Login Handheld life account ->"User logout" (for users below Handheld life 9.0, please select "My - Settings - Security Management - User logout"), and logout immediately after verification.
When you meet the agreed account cancellation conditions and cancel a handheld life account, all the information in your account will be cleared, and we will not collect, use or provide personal information related to the account externally, but the information you provide or produce during the use of the handheld life service will still be kept according to the regulatory requirements, In addition, the competent authority still has the right to inquire according to law within the time of legal preservation.
（6） Respond to your request
If you are unable to access, correct or delete your personal information in the above way, or you need to access, correct or delete other personal information generated when you use our products and/or services, or you think that there is any violation of laws and regulations or any agreement on the collection or use of your personal information in Palm Life, You can contact us through the contact information described in Article 13 of this policy. To ensure security, we may need you to provide a written request or prove your identity in other ways. We will reply to your request within 15 working days after receiving your feedback and verifying your identity. For your reasonable request, we do not charge a fee in principle, but for repeated requests that exceed reasonable limits, we will charge a certain cost as the case may be. We may reject requests that are illegal, illegal, unprovoked and repetitive, require too many technical means (for example, need to develop new systems or fundamentally change the current practices), bring risks to the legitimate rights and interests of others, or are very impractical (for example, involving information stored on backup tapes).
Under the following circumstances, we will not be able to respond to your request according to laws, regulations, regulatory requirements, etc.:
1. Directly related to national security and national defense security;
2. Directly related to public safety, public health and major public interests;
3. Directly related to criminal investigation, prosecution and execution of judgments;
4. There is sufficient evidence to show that you have subjective malice or abuse of rights;
5. Related to our obligations under laws and regulations;
6. Responding to your request will cause serious damage to the legitimate rights and interests of you or other individuals and organizations.
7. In order to protect your or other personal life, property and other major legitimate rights and interests, but it is difficult to obtain my consent;
8. Those involving trade secrets.
7、 Statement of Third Party Liability
Please note that your counterparty, the third-party website operator you visit, the third-party services accessed through us (such as applications provided by the third party in Palm Life) and the third party receiving your personal information from Palm Life may have their own privacy protection policies; When you view a webpage created by a third party or use an application developed by a third party, these third parties may place their own cookies or pixel tags. These cookies or pixel tags are not under our control, and their use is not subject to this policy. We will make reasonable commercial efforts to require these subjects to take protective measures for your personal information, but we cannot guarantee that these subjects will take protective measures according to our requirements. Please contact them directly to obtain details about their privacy policy. If you find that these pages created by a third party or applications developed by a third party are at risk, it is recommended that you terminate relevant operations to protect your legitimate rights and interests.
8、 Special Agreement on the Protection of Personal Information of Minors
（1） Minors must use our services under the guardianship of their parents or other guardians. We will protect the confidentiality and security of minors' personal information in accordance with relevant national laws and regulations.
（2） If you are a minor, please ask your parents or guardians to read this policy and use our services or provide us with your information with the consent of your parents or guardians. For the use of your information with the consent of your parents or guardians, we will only use or publicly disclose this information if it is permitted by law, expressly agreed by your parents or guardians, or necessary to protect your rights and interests. If your guardian does not agree that you use our services or provide us with information in accordance with this policy, please immediately stop using our services and notify us in time so that we can take appropriate measures.
（3） If you are a parent or guardian of a minor, please contact us through the contact information in this policy when you have questions about the personal information processing of the minor under your guardianship.
9、 How your personal information is transferred globally
In principle, personal information collected and generated in our operations in the People's Republic of China is stored in China.
Since we provide products or services through resources and servers all over the world, this means that if you use the QR code transaction function overseas after obtaining your authorization, your bank card number may be transferred to or accessed from the overseas jurisdiction of the country/region where you use the products or services. Such jurisdictions may have different data protection laws or even no relevant laws. In such cases, we will ensure that your personal information is adequately and equally protected in the People's Republic of China. For example, we will request your separate consent to cross-border transfer of personal information, or implement security measures such as data de identification before cross-border data transfer.
10、 Application and update of this policy
This policy applies to all services of Palm Life.
We will update this policy in due course when the following major changes occur:
（1） Changes in our basic situation, such as changes in owners caused by mergers, acquisitions and restructurings;
（2） The scope, purpose and rules of collecting, storing and using personal information have changed;
（3） The object, scope and purpose of providing personal information to the public have changed;
（4） The way you access and manage your personal information has changed;
（5） Changes in data security capabilities and information security risks;
（6） The channels and mechanisms for user inquiries and complaints, as well as external dispute resolution agencies and contact methods have changed;
（7） Other changes that may have a significant impact on your personal information rights and interests.
Because there are many users of Palm Life, If this policy is updated, we will notify you by means of APP push notification, email/SMS or announcement on the official website of China Merchants Bank (we will choose one or more methods according to the actual situation). In order for you to receive the notice in time, it is recommended that you notify us when your contact information is updated. After the policy is updated, the handheld life app will prompt you through a pop-up window when it is launched, and you need to actively click to confirm your consent. You know and confirm that if you do not agree with the updated content, you should immediately stop using the corresponding services and log off the relevant users, and we will stop collecting your relevant personal information; If you continue to use the service, it is deemed that you agree to accept the updated content.
You can view this policy on the official website of China Merchants Bank, or through "My" → "Settings" → "About" in Palm Life. We encourage you to consult this policy every time you use Palm Life.
11、 Key words in this policy
The "identity elements" in this policy refer to the information elements used by Palm Life to identify your identity, such as your Palm Life login name, password, SMS verification code, phone number, mobile phone number, ID number and biometric information (such as fingerprint information, facial information).
Personal information refers to all kinds of information related to identified or identifiable natural persons recorded electronically or in other ways. Personal information includes Name, date of birth, ID card information (ID card, passport, etc.), personal biometric information, communication contact information, address, account information, property status, location information Etc.
Sensitive personal information It refers to personal information that, once disclosed or illegally used, is likely to cause the human dignity of a natural person to be infringed or the safety of person and property to be jeopardized, including biometrics, religious belief, specific identity, medical health, financial accounts, whereabouts and other information, as well as personal information of minors under the age of 14.
Cookie It refers to a mechanism that supports the server (or script) to store and retrieve information on the client, and expands web-based client/server applications by adding simple and continuous client states. When the server returns an HTTP object to the client, it sends a status message, which is saved by the client. The valid URL range in this status is described in the status information. Thereafter, HTTP requests within the range initiated by the client will return the current value of the status information from the client to the server. This status information is called a cookie.
De identification It refers to the process in which personal information is processed so that it cannot identify a specific natural person without the help of additional information.
anonymization It refers to the process in which personal information cannot be identified and recovered after being processed.
12、 Jurisdiction and application of law
（1） The establishment, effectiveness, performance, interpretation and dispute resolution of this policy shall be governed by the laws of the mainland of the People's Republic of China.
（2） When you have any dispute with us due to the implementation of this policy, you should first settle it amicably through consultation; If no settlement can be reached through consultation, you and we have the right to file a lawsuit to the people's court with jurisdiction in the defendant's domicile.
（3） The headings of all clauses in this policy are only for convenience of reading, and have no actual meaning, and cannot be used as the basis for interpretation of the meaning of this policy.
（4） The policy terms are partially invalid or unenforceable for whatever reason, and the remaining terms are still valid and binding on you and us.
13、 How to contact us
If you need any explanation or explanation on the format terms of this policy, or have any questions, comments or suggestions on matters related to your personal information, please contact us by visiting the Pocket Life Online customer service system or calling our customer service hotline 400-820-5555 (for complaints, please call 400-820-5555 ext. 7).
We have set up a personal information protection group. You can send an email to info_privacy@cmbchina.com Get in touch with us.