Privacy Policy

We value privacy and think you do too, so we want you to have the information you need to make your own decisions about your personal privacy. When you visit or supply information to any website, we think it is a good idea for you to first understand what that site’s privacy policies are. If the site does not tell you, do not hesitate to ask.

The information provided in this privacy policy describes the practices of PracticalMoneySkills.com.hk only. Links provided on this site to affiliates or other third parties are not covered in this policy. Also, information you may provide Visa or its affiliates outside this website are not covered in this policy.

Acceptance of policy
By visiting PracticalMoneySkills.com.hk, you are accepting the terms and conditions of this privacy policy, and we have the right to use your information as described in this privacy policy. If you do not wish to agree to these terms, you should leave this website.

We reserve the right to modify this privacy policy at any time. Your continued use of the PracticalMoneySkills.com.hk website after we either personally notify you or generally post such changes on the PracticalMoneySkills.com.hk website will constitute your acceptance of those changes.

Types of information collected on the PracticalMoneySkills.com.hk website
There are two types of information that may be collected on the PracticalMoneySkills.com.hk website: Personal Information and Non-Personal Information.

Personal information
Personal information is information that identifies you as an individual, such as your name, mailing address, email address, age range, etc. Personal information is only obtained when you voluntarily provide the information to us.

PracticalMoneySkills.com.hk uses personal information to better understand your needs and interests and to provide you with better service.

Once you choose to provide us with personal information, you can be assured it will be used only to support your relationship with us. We take seriously the trust you place in us and will not sell, rent or lease your personal information to others.

Non-Personal information
Non-Personal information is information that does not identify you as an individual, such as your browser type, IP Address, the URL of the previous website you visited, etc. PracticalMoneySkills.com.hk may automatically collect certain types of non-personal information from you when using the PracticalMoneySkills.com.hk website.

Information collection & use
PracticalMoneySkills.com.hk's audiences are teachers, parents, students and consumers at large. The bottom line at PracticalMoneySkills.com.hk is that we use the information that we get from your visit for internal tracking purposes, to make PracticalMoneySkills.com.hk as useful and interesting to you as we can. We do not use your personal information for any other purpose. We never sell it to any third party, and we do not share it with any third party, except as noted under "Sharing of Information" below.

Please note that whenever you submit any information to us in connection with any PracticalMoneySkills.com.hk services, you consent to Visa’s processing of this information in the United States as necessary to provide the services in which you are participating.

E-mail
PracticalMoneySkills.com.hk provides visitors aged 13 and up the opportunity to send e-mail to us. We use your email address to thank you for your comment and/or reply to your question, and we will store your communication and our reply in case we correspond further. We will never share it with or sell it to anyone else.

Games
The games made available on our site allow teachers and parents to share quality online entertainment with their students and children. The design, content and language of these games are targeted to various age levels.

It is our policy with the games to require only the minimal collection of information from our visitors. Consistent with this policy, the games of PracticalMoneySkills.com.hk limit the collection of information to what is known as non-personally identifiable information (e.g. first name). Other than the collection of such non-personally identifiable information, we do not collect personal information from our users in the games. As such, we do not share any personal information about our users in the games area with any third parties. In order to participate in any game or other online activity, we only require you to disclose the minimum amount of information necessary.

Sharing of information
At PracticalMoneySkills.com.hk, we may share aggregate information about our users (number of visitors, etc.) with both our affiliated businesses and externally with third parties, such as our business partners. Aggregate data does not identify individuals. We will only share personal information about our users with third parties in the following instances:

Agents
The personal information provided to PracticalMoneySkills.com.hk may be transferred, disclosed or shared with third parties who may be engaged by us specifically to handle and deliver certain activities and perform other technical and processing functions, such as sending postal mail and e-mail, removing repetitive information from registration lists, programming, providing user services to our users, or otherwise operating our site. They have access to personal information needed to perform their functions, but may not use it for other purposes.

Special cases
We may also disclose personally identifiable information to third parties when required by law or is pertinent to judicial or government investigations or proceedings, or otherwise necessary to protect our website or the safety of its users.

Other than as set forth above, we do not at present intend to use or share your personal information for other purposes. However, in the future we may disclose personal information you have provided to third parties for additional purposes and in the event we do, we will provide notices of such use to our users and the choice whether or not to participate.

How to update or correct your personal information
To modify or delete your personal information, simply send an e-mail to the e-mail address set out below stating your request, and we will make the requested changes.

Children’s privacy
We do not knowingly collect information from children under the age of 13. If we learn that personal information on a child under the age of 13 is collected, we will delete that information from our systems. We encourage parents and guardians to be familiar with the websites that their children visit.

Cookies and log data
Cookies are information files that your web browser places on the hard drive of your computer when you visit a website. Cookies cannot damage user files, nor can they read information from a user's hard drive. Cookies allow websites to "remember" users’ activities on a website as well as users’ visits to a site. Cookie technology does not capture your individual email address or any personal information about you. At PracticalMoneySkills.com.hk, cookies are used to determine the number of unique visitors to our website over a given period. We do not store any personal information into cookies nor do we link or combine information collected through cookies to any personal information submitted by users when participating in our activities. Log data collected on web servers within the control of PracticalMoneySkills.com.hk provides us with aggregate information about the number of visits to different pages on our site. PracticalMoneySkills.com.hk uses such aggregate information to improve access to our content based on our visitors' browsers and operating system types to make our content available to as many users as possible.

To browse without cookies, you can configure your browser to reject all cookies or to notify you when a cookie is set. (Each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preferences.) Your experience of the PracticalMoneySkills.com.hk site may be different if you set your browser to block cookies.

Security
PracticalMoneySkills.com.hk has taken steps to ensure that personally identifiable information collected is secure, including limiting the number of people who have physical access to our database servers as well as electronic security systems and password protections which guard against unauthorized access.

Changes to this policy
PracticalMoneySkills.com.hk may modify or amend this privacy policy from time to time. In an effort to keep you informed of changes to this privacy policy, please note that the latest revision occurred in December 2013. Changes to this privacy policy will not affect our use of previously provided personal information.

Contacting us
If you have any questions regarding PracticalMoneySkills.com.hk's privacy policy, please contact us by e-mail at hkcr@visa.com

Note: This policy has been translated into Chinese. In case of discrepancies between the English and Chinese versions, the English version shall apply and prevail.