Privacy Policy

10Life Financial Limited ("10Life Financial", Insurance Authority Licence No. FB1526) and its parent company 10Life Group Limited (together, "10Life", "we", "us" or "our") are committed to protecting the privacy, confidentiality and security of the personal information we hold.

This Privacy Policy explains how we collect, use, store, and share your personal data when you access our websites, apps, and social media channels (our "Platform") or use our services.

10Life Financial is the data user responsible for handling your personal data in connection with insurance brokerage services.

By using our Platform, you agree to this Privacy Policy.

1. Personal Information Collection Statement (PICS)

1.1 What personal data we collect

We collect personal data when you register an account, use our comparison tools, contact us, apply for insurance, or browse our Platform.

At registration and through general use of our services:

Name, email address, phone number, date of birth, gender, and address
Browsing data collected through cookies and similar technologies (IP address, device information, pages viewed)

Where you apply for insurance, we additionally collect:

HKID or passport details
Health and medical information
Financial information
Beneficiary details

If you provide personal data on behalf of any person, you confirm that you have obtained that person's consent to provide that personal data for use by us for the purposes set out in this Privacy Policy.

Providing personal data is voluntary, but failure to do so may mean we cannot process your request or provide our services.

1.2 How we use your personal data

We use your personal data to:

Provide insurance comparison, quotation, and advisory services
Process and submit your insurance application to the selected insurer
Fulfil our obligations as your insurance broker (policy servicing, renewals, claims assistance)
Communicate with you and respond to your enquiries
Conduct research, analysis, and improve our Platform
Comply with legal and regulatory requirements
With your consent, send you direct marketing — see Section 1.3

1.3 Direct marketing

We would like to use your personal data to send you direct marketing. We may not do so without your consent.

Personal data to be used: your name, contact details, and information about your enquiries and product interests with 10Life.

Marketing subjects:

Insurance insights and market analysis
Product comparisons and recommendations
Promotional offers relating to insurance and financial services
Personalised online advertising via advertising platform service providers

Marketing channels: email, mobile messaging (including WhatsApp and SMS), and personalised online advertising.

How we obtain your consent: We obtain your consent for direct marketing at the time you register for a 10Life account or at the time you apply for an insurance product. Your consent for direct marketing is separate from your agreement to our Terms & Conditions and the Privacy Policy.

Your right to opt out: You may opt out of direct marketing at any time, free of charge, by contacting us at enquiries@10life.com. You may also unsubscribe directly via the link in any marketing message we send, or update your preferences in your 10Life account.

1.4 Who we share your personal data with

We may share your personal data with:

Our employees and officers
Our consultants
10Life Group and our subsidiary companies
Insurance companies you have selected, for underwriting and policy issuance
Service providers who process data on our behalf, including cloud hosting, customer relationship management, email marketing, messaging service providers, analytics, behaviour insight tools, error monitoring tools, and advertising platform service providers
Regulatory and legal authorities where required by law
Other third parties only with your prior consent

Our service providers are contractually required to protect your data and to use it only for the purposes we specify.

1.5 Where your personal data is stored

Your data may be stored and processed in Hong Kong SAR, mainland China, and overseas through our use of cloud and service provider infrastructure. Where data is transferred outside Hong Kong, we ensure appropriate contractual safeguards are in place.

2. Data retention

We retain personal data only for as long as necessary to fulfil the purpose for which it was collected, subject to legal and regulatory requirements, including the record-keeping requirements under the Anti-Money Laundering and Counter-Terrorist Financing Ordinance (AMLO). When no longer needed, data is securely deleted or anonymised.

3. Cookies and tracking technologies

We use cookies and similar technologies on our Platform to operate the site, analyse usage, and (where you have consented) deliver personalised advertising. Cookies collect information including your IP address, device information, and how you interact with our pages. This information may be shared with our service providers who process it on our behalf for the purposes described above.

For full details, including the specific cookies we use, the third parties involved, and how to manage your preferences, see our Cookie Policy at 10life.com/en/cookies.

4. Data security

We take all reasonably practicable steps to protect your personal data against unauthorised or accidental access, processing, erasure, loss, or use. Where we engage third-party processors, we require them by contract to maintain appropriate security standards.

5. Your rights

Access: You may request a copy of the personal data we hold about you. We will respond as soon as practicable in accordance with the PDPO. A reasonable fee may apply.

Correction: You may request correction of any data you consider inaccurate. We will respond as soon as practicable in accordance with the PDPO.

Direct marketing opt-out: See Section 1.3.

Lodge a complaint: If you are not satisfied with our handling of your personal data, you may lodge a complaint with the Privacy Commissioner for Personal Data, Hong Kong (www.pcpd.org.hk).

10Life Customer Service Officer

Email: enquiries@10Life.com

Phone / WhatsApp: 3705 1599

Address: 16/F Greatmany Centre, 109-115 Queen’s Road East, Wan Chai, Hong Kong

6. External links

Our Platform may contain links to third-party websites. We are not responsible for their privacy practices.

7. Updates to this Privacy Policy

We may update this Privacy Policy from time to time. Material changes will be posted on our Platform. The English version prevails over any Chinese version.

Last Updated: July 14th, 2026