Mindful Money Tribe respects your privacy and is fully committed to protecting your Personal Information and to use it properly and in compliance with Hong Kong data privacy laws.

This Privacy Policy governs how we at MMT Limited trading as Mindful Money Tribe and our affiliated companies (collectively, “Mindful Money Tribe”, “we”, “our”) collect, use, and process Personal Information (as defined herein) collected from visitors to our Website (www.mindfulmoneytribe.com), from clients and users who sign up or contract with us for our consulting and coaching services, or engage or interact with us through phone, email, in-app messaging such as LinkedIn, Facebook, Whatsapp, WeChat, Instagram and/or other social media channels. Our website and our consulting and coaching services, whether made available via our Website or provided for separately via other offline or online channels, are collectively called the “Services”.

Please take a few moments to read this Privacy Policy before you access or use our Website. By continuing to use or access our Website, you acknowledge that you have read and fully understood this Privacy Policy and our Legal Disclaimer and that they both apply to your use of our Website. If you do not read and fully understand this Privacy Policy, please do not use the Website. This Privacy Policy is not intended to override the terms of any contract you have with us, nor any rights you might have under applicable data privacy laws.

1. What information do we collect?

1.1 For the purposes outlined in this Privacy Policy and to provide you with the Services, we may collect and process the following Personal Information about you:

a. Information that you give us – information that you provide us which may include personal information of an identified or identifiable natural person, such as your name, address, email address, telephone number, credit card information, bank account information including account value and other information of a sensitive nature or personal description. Such information may be given to us:

    1. when you request to be contacted through our Website contact forms;
    2. when you correspond with us by phone, email or otherwise;
    3. when you interact with us through our social media channels;
    4. when you sign up for any of our alerts, newsletters or updates;
    5. when you complete any survey or questionnaire we send you;
    6. when you contract with us for our Services;
    7. when you use certain features on our Website;
    8. when you request any technical support from us; or
    9. when you report any problem to us.

b. Information we collect through your use of our Website – information is automatically collected when you visit our Website, for example:

    1. technical information, including the Internet protocol (IP) address used to connect your computer to the Internet and your log-in information, mobile device identifier, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform;
    2. information about your visit, including the full Uniform Resource Locators (URLs), clickstream to, through and from our Website (including date and time), content you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), methods used to browse away from the page, and which areas of our Website are the most popular and other statistics.

We also collect certain information that your mobile device sends when you use our Services, including user settings, the operating system, as well as information about your use of our Services. We use this information to administer the Services and we analyze (and may engage third parties to analyze) this information to further develop, improve and enhance the Services by expanding their features and functionality and tailoring them to your or other Website user’s needs and preferences, and to make recommendations.

c. Information we receive from other sources or third parties – we work with third parties and we may receive information about you from them, for example, business partners, advertising and marketing partners and networks, analytics providers, or search information providers. We will notify you when we receive information about you from them and the purposes for which we intend to use that information.

2. How do we use your Personal Information?

2.1 We use your Personal Information for the following purposes:

a. communicating with you by phone, email, in-app messaging such as LinkedIn, Facebook, Whatsapp, WeChat, Instagram and/or other social media channels, including contacting you regarding your enquiries;

b. administering any of our Services or managing our relationship;

c. improving and developing our Services;

d. researching, designing and launching new features or services;

e. presenting content and information on our Website in the most effective manner for you and for the device you use;

f. providing you with alerts, newsletters, updates, materials or information about our Services or other types of information that you requested or signed up to;

g. collecting overdue amounts;

h. complying with laws and regulations applicable to us;

i. making disclosure when required by law, regulation, or court order of any jurisdiction and/or as requested by any government, regulatory or law enforcement authority or administrative organization, which may be within or outside Hong Kong;

j. responding or taking part in legal proceedings, including seeking professional advice;

k. for direct marketing purposes (please see further details in Section 2.2 below); and

l. purposes directly related or incidental to the above.

2.2 Where we use your Personal Information in direct marketing (meaning we may offer or advertise new or additional Services by sending the relevant information directly to you), we require your consent specifically for this purpose and you may opt out any time. For the purposes of this Section 2.2:

a. the Personal Information that may be used in direct marketing are those that you provide to us, or we collect from you under Section 1.1 above;

b. the relevant information may be sent to you by phone, email, in-app messaging such as LinkedIn, Facebook, Whatsapp, WeChat, Instagram and/or other social media channels;

c. you may opt out any time by emailing us at hello@mindfulmoneytribe.com. We will cease to send you marketing information without charge.

2.3 We will only use your Personal Information for the purposes set out in Section 2 where you give us your permission and/or we are satisfied that:

a. our use of your Personal Information is necessary to perform a contract or take steps to enter into a contract with you (for example, to provide you with Services, to provide you with our customer assistance and technical support), or

b. our use of your Personal Information is necessary to comply with a relevant legal or regulatory obligation that we have, or

c. our use of your Personal Information is necessary to support legitimate interests that we have as a business (for example, to maintain and improve our Services by identifying user trends and the effectiveness of our promotional campaigns and identifying technical issues), provided it is conducted at all times in a way that is proportionate, and that respects your privacy rights.

3. How we share, transfer or process your Personal Information

3.1 We will keep your Personal Information confidential but you agree we may share your information with service providers and others (or otherwise allow them access to it) in the following manners and instances:

a. Third Party Service Providers: We may share Personal Information as well as aggregated information that we collect with third party service providers whose services and solutions complement, facilitate and enhance our own. These include but are not limited to hosting and server co-location services, communications and content delivery networks (CDNs), data and cyber security services, billing and payment processing services, fraud detection and prevention services, industry analysis, web analytics, e-mail distribution and monitoring services, session recording and remote access services, performance measurement, data optimisation and marketing services, content providers, and our legal and financial advisors (collectively, “Third Party Services”); provided that we may share information with Third Party Services for a business purpose such as identifiers, commercial information and other categories as listed in Section 1.

b. Information Disclosed for Our Protection and the Protection of Others. Where permitted by local data protection laws, we will disclose Information when required by law or under the good-faith belief that such disclosure is necessary in order to conform to applicable law, comply with court orders or legal process served on us, to establish or exercise our legal rights or defend against legal claims, and to protect our property or interests, agents and employees, personal safety, or the public. Under these circumstances, we may be prohibited by law, court order or other legal process from providing notice of the disclosure, and we reserve the right under those conditions not to provide notice in our sole discretion.

c. Parent Companies, Subsidiaries and Affiliated Companies. We may share Personal Information internally within our family of companies, for the purposes described in this Privacy Policy. In addition, should we, or any of our affiliates undergo any change in control, including by means of merger, acquisition or purchase of substantially all of its assets, your Personal Information may be shared with the parties involved in such event.

d. Our Representatives (on a needto-know basis only). We may share Personal Information with our employees, officers, directors, personnel, agents, advisers, auditors, contractors, financial institutions, and service providers in connection with our operations or services (for example staff engaged in the provision of Services to you, the processing of your payment and the provision of support services).

3.2 For the avoidance of doubt, we may share your Personal Information in manners other than as described above, pursuant to your explicit approval, or if we are legally obligated to do so.

3.3 The Personal Information that we collect from you may be transferred to, and stored at, a destination outside Hong Kong. It may also be processed by persons referred to in this Section who operate outside Hong Kong.

3.4 By submitting your Personal Information, you agree to this transfer, storing or processing of data outside Hong Kong. We will take all steps reasonably necessary to ensure that your data is treated securely in accordance with this Privacy Policy.

4. How long do we retain your Personal Information?

4.1 We only retain Personal Information for so long as it is necessary, as indicated in this Privacy Policy or as otherwise needed to provide you with our Services. We may continue to retain such Personal Information even after we cease to provide you with our Services, as reasonably necessary to comply with our legal obligations, to resolve any disputes, prevent fraud and abuse, enforce our agreements and/or protect our legitimate interests. Where your Personal Information is no longer required, we will ensure it is securely deleted.


5. Use of Cookies and Similar Technologies

5.1 A cookie is a small file of letters and numbers downloaded on to your computer when you access certain websites. In general, cookies allow a website to recognize a user’s computer. The most important thing to know about cookies placed by us is that they make our Website a bit more user-friendly, for example, by remembering site preferences and language settings or to distinguish you from other users of our Website. This helps us to provide you with a good experience when you browse our Website and also allows us to improve our Website.

5.2 Depending on their function, cookies may have different durations. We use persistent cookies and session cookies.

a. Persistent cookies stay in your browser and will be read by us when you return to our Website.

b. Session cookies only last for as long as the session (usually the current visit to a website or a browser session).

5.3 We also use, or may in the future use, the following cookies on our Website:

a. Strictly necessary cookies are cookies that are required for the operation of our Website. They include, for example, cookies that enable you to log into secure areas of our Website, use a shopping cart or make use of e-billing services.

b. Analytical/performance cookies allow us to recognise and count the number of visitors and to see how visitors move around our Website when they are using it. This helps us to improve the way our Website works, for example, by ensuring that users are finding what they are looking for easily.

c. Functional cookies are cookies used to remember choices users make to improve their experience.

d. Marketing cookies are used to collect information about the impact of our marketing campaigns performed in other websites on users and non-users.

5.4 You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you do so, you may not be able to access all or parts of our Site. Please note that deleting our cookies or disabling future cookies or tracking technologies may prevent you from accessing certain areas or features of our Services or may otherwise adversely affect your user experience.


6. Third-party sites

6.4 Our Services may contain links to other websites or services, in particular links to any social media channels. We are not responsible for such websites’ or services’ privacy practices. We encourage you to be aware when you leave our Website and to read the privacy statements of each and every website and service you visit before providing your information. This Privacy Policy does not apply to such linked third party websites and services which are subject only to the third party policies.


7. Security 

7.1 All information you provide to us is stored on our secure servers. We have implemented security measures designed to protect the Personal Information you share with us, including physical, electronic and procedural measures. We also regularly monitor our systems for possible vulnerabilities and attacks, and regularly seek new ways and Third Party Services for further enhancing the security of our Services and protection of our visitors’, clients’ and users’ privacy.

7.2 We restrict access to Personal Information to our Representatives and Third Party Service Providers on a strictly need-to-know basis and ensure that those persons are subject to contractual confidentiality obligations.

7.3 We may review our information collection, storage and processing practices from time to time to guard against unauthorised access, processing or use.

7.4 Please note, however, regardless of the measures and efforts taken by us, we cannot and do not guarantee the absolute protection and security of your Personal Information and the transmission of Personal Information via the Internet is not completely secure. Although we will do our best to protect your Personal Information, we cannot guarantee the security of your Personal Information transmitted to our Website or shared with us through phone, email, in-app messaging such as LinkedIn, Facebook, WhatsApp, WeChat, Instagram and/or other social media channels; any transmission is at your own risk.


8. Your rights in relation to your Personal Information 

8.1 It is imperative that you will have control over your Personal Information. For this reason, you have the right to:

a. check whether we hold Personal Information about you;

b. access and receive a copy of any Personal Information we hold about you; and

c. require us to update, amend, delete, or limit the use of your Personal Information that we hold about you.

8.2 We reserve the right to charge a fee where permitted by law, to meet our cost in processing your request.


9. Changes or updates to our Privacy Policy

9.1 We may update this Privacy Policy as required by applicable law, and to reflect changes to our information collection, usage and storage practices. In relation to any updated Privacy Policy, we will, as required by applicable law, notify you, seek your consent and/or take any other measures. However, we encourage you to periodically review this page for the latest information on our privacy practices. By continuing to use our Website after the changes come into effect means you agree to be bound by the revised policy.


10. Contact us

10.1 If you have questions about this Privacy Policy or our policies or wish to exercise any of your rights as described, please contact us at hello@mindfulmoneytribe.com


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