Privacy Policy | 富邦金控

Confidentiality Measures

  1. Fubon Financial Holdings Customer Information Confidentiality Measures

    Fubon Financial Holdings and its subsidiaries (the “Fubon Group”) are dedicated to delivering a comprehensive range of financial products and services based on four core values – integrity, sincerity, professionalism, and innovation – in a secure transaction environment. Committed to customer privacy, the Fubon Group complies with the “Financial Holding Company Act,” the “Personal Information Protection Act,” “Rules Concerning Cross-Selling by Financial Holding Company Subsidiaries,” and other relevant regulations in collecting, processing and using customer information. Control mechanisms have also been put into place to ensure the confidentiality of customer information. The following are confidentiality measures adopted by the Fubon Group:

    1. Collection of Information

      The Fubon Group collects customer information for marketing activities and transactions. It does so with the customer’s consent or based on provisions in contractual agreements signed by the customer, according to existing laws. Public information and data disclosed by regulatory authorities or by authorized third parties is also collected.

    2. Storage and Management of data

      Customer information is securely stored in Fubon Group’s databases and managerial procedures are in place to prevent unauthorized access and maintain data security. Strict internal management guidelines have been established that prohibit people who have not received the proper authorization from accessing or amending customer information.

    3. Security and Protection Measures

      The Fubon Group uses information security technology to transmit and encrypt information, and firewalls are installed to prevent illegal intrusions, preventing customer information from being accessed illegally. Encryption technology is used to store and safeguard passwords and keep them from being stolen.

    4. Classification and Usage of Personal Information

      There are many types of customer information – basic information, account information, credit data, investment data and insurance information. These are described below, but Fubon Group units can add to or delete these categories depending on the specific nature of their business.

      1. (I) Basic information: name, birth date, ID card number, phone numbers, addresses, and email addresses
      2. (II) Account information: account numbers or numbers of similar functions, credit card numbers, savings account numbers, and transaction account numbers, as well as information on deposits and loans, other transactions, and the customer’s financial status
      3. (III) Credit data: records of bounced checks, cancellations, and refusals of service and information on business operations
      4. (IV) Investment data: investments in or sales of investment instruments, and the amounts and times of those transactions
      5. (V) Insurance information: type, duration, coverage, and payment methods of insurance policies taken out, and claims status and denial records

      Customer information is exchanged and disclosed among Fubon subsidiaries for joint marketing activities according to applicable laws and regulations and the scope of information customers agreed could be used in applications submitted to a Fubon subsidiary or agreements they signed.

    5. Purpose of Use of Customer Information

      To provide customers with more complete, more diverse and more suitable financial products and services, the Fubon Group discloses, transfers or uses customer information for marketing activities (including cross-selling), for contracted services provided by third parties, or to comply with regulatory agency requests, subject to regulatory or customer approval.

    6. Disclosure of Customer Information

      Fubon subsidiaries may disclose customer information within the Fubon Group, to third-party service providers, or to regulatory agencies, as permitted by law or after obtaining the customer’s consent.

    7. Change or Modification of Customer Information

      Customers may change their personal information by calling customer service, visiting a branch, or sending a written request to a service location of any Fubon subsidiary.

    8. Ways to Withdraw from Cross-Selling Activities

      Customers can notify Fubon subsidiaries in writing, by email or by contacting customer service to request that their information no longer be shared for cross-selling activities. Once a Fubon subsidiary has received such a request, it will stop the exchange of the customer’s information for marketing activities as soon as possible within a reasonable number of business days.

    9. Notification of Personal Information Modification or Withdrawal

      Aside from public announcements, Fubon subsidiaries may also notify customers in writing or by email that their personal information being used in cross-selling activities has been changed or modified or is no longer being used for that purpose.

    10. Fubon Subsidiaries that May Share Customer Information in Cross-selling with Other Subsidiaries as Follows:
      • Taipei Fubon Bank Co., Ltd.
      • Fubon Life Insurance Co., Ltd.
      • Fubon Insurance Co., Ltd.
      • Fubon Securities Co., Ltd.
      • Fubon Asset Management Co., Ltd.
      • Fubon Futures Co., Ltd.
      • Fubon Insurance Agency Co., Ltd.
      • Fu Sheng Insurance Agency Co., Ltd.
    11. Complaint methods for leakage of customer information:

      If there is any doubt about the leakage of customer information, you can through the customer service mailbox or call the customer service center of Fubon subsidiary. Fubon subsidiaries will find out and notify the customer as soon as possible.

    These confidentiality measures were last updated on May 4, 2021. Fubon Financial Holdings will make adjustments to these measures as necessary in the future in response to social, environmental and regulatory changes and technological advances.

  2. Fubon.com website (referred to as “this website”) is jointly formed by Fubon Financial Holding Co., Ltd., Taipei Fubon Commercial Bank Co., Ltd. , Fubon Insurance Co., Ltd. , Fubon Life Insurance Co., Ltd. , Fubon Securities Co., Ltd. , Fubon Asset Management Co., Ltd. , Fubon Securities Investment Services Co., Ltd. , Fubon Insurance Agency Co., Ltd. , Fubon Futures Co., Ltd. , Fubon Financial Venture Capital Co., Ltd.and new domestic subsidiaries disclosed and announced on this website according to the laws due to future organizational changes (referred to as “Fubon Financial Holding and Subsidiaries”).

    1. To provide diverse services to customers, Fubon Financial Holding and Subsidiaries collect your personal data via the customer service center, electronic newsletter center, product consultation service, website events, other online application services, relevant contacts of mailboxes of Fubon Financial Holding and Subsidiaries, and/or through the use of Cookies or other similar techniques according to the laws. To protect your rights and interests, before saving or registering your personal data or before using this website, you are recommended to read the following declaration carefully. When a customer completes and submits his or her personal data or continues to use this website, he or she shall be deemed to have sufficiently understood and agreed with the following declaration. Pursuant to Article 8 of the Personal Data Protection Act of R.O.C., users/customers are informed of the following:

    2. Purpose of Collection

      Marketing (or joint marketing); collection, processing and use of personal data by financial service industry according to regulatory requirements or financial supervisory needs; financial dispute handling; consumer and customer management and service; management of advertisement or commercial behaviors; survey, statistics and research analysis; other financial management businesses; other businesses within the scope of the business registration items or prescribed in the articles of incorporation; other consultation and consulting services.

    3. Type of Personal Data

      The type of personal data includes but not limited to your name, identification number, date of birth, address, contact method, marriage status, family status, education, occupation, financial status, mobile and network media information (such as mobile device identification code, mobile device location, social network information, internet network protocol (IP) address, internet network browsing trace within or external of this website, Cookie etc.) and other identifiable personal data obtained through direct or indirect means. (For specific items, please refer to each data saving page or the content of Cautions page).

    4. Period of Use

      The period of use starts from the date when you agree with the saving and registration of personal basic data for the services of the customer service center, electronic newsletter center, product consultation and participation in network events, other online application services and relevant contacts of the mailboxes of Fubon Financial Holding and Subsidiaries to the duration of specific purposes, in accordance with the preservation year prescribed in the laws, contract terms or the preservation year necessary for the data preservation of service execution (the duration of longer period shall prevail).

    5. Region of Use, Subject and Method
      • With regard to your personal data, Fubon Financial Holding and Subsidiaries and relevant outsourced and cooperating partners and cooperating subjects will use your personal data within the specific and necessary scope of purpose, and appropriate security measures are adopted according to the laws to ensure the protection of your personal data.
      • For the personal data registered and saved by you, the region of use of your personal data includes Taiwan (including the regions of Taiwan, Kinmen, Penghu and Matsu) and domestic and foreign areas of the aforementioned subject of use. In addition, the collection, processing, cross-border transmission and use of the personal data are performed according to relevant regulations of the Personal Data Protection Act.
      • Fubon Financial Holding and Subsidiaries will process and use the personal data within the scope of specific purposes via automated machine or other non-automated methods in compliance with relevant personal data protection laws.
      • Cross-border transfer of personal data must comply with related laws and regulations. They shall not be carried out under any of the following circumstances: (1) where involve major national interests; (2) where the cross-border transfer of the personal data to a third country (territory) is carried out to circumvent the Personal Data Protection Act; (3) where an international treaty or agreement so stipulates; or (4) where the country receiving the personal data lacks proper regulations on protection of personal data and the data subjects' rights and interests may consequently be harmed. Before proceeding with a cross-border transfer, the sender shall also check to see if it is subject to any restrictions by the Financial Supervisory Commission and comply with any restrictions that exist.
    6. Rights of Members or Customers on Individual Personal Data

      With regard to your personal data, according to the laws, you may request to exercise the following rights with the Fubon Financial Holding and Subsidiaries Service Center via the contact method provided:

      • To make an inquiry of and to review your personal data;
      • To request a copy of your personal data;
      • To supplement or correct your personal data;
      • To demand the cessation of the collection, process or use of your personal data; and
      • To request the erase of your personal data.

    7. For the exercise of the aforementioned rights, Fubon Financial Holding and Subsidiaries may charge necessary costs according to the laws. In case where such exercise of rights fails to comply with the application procedure or regulatory requirements, or where Fubon Financial Holding and Subsidiaries bear the obligation to preserve the personal data according to the laws, or where the laws specified otherwise, then it may not be handled according to your request. You may choose, on your own discretion, whether to provide relevant personal data and the type of data. However, if you choose to refuse to provide personal data and type of data that is necessary for the service review or operation, Fubon Financial Holding and Subsidiaries may not be able to perform necessary operations such that relevant services cannot be provided to you, or optimal services cannot be provided.


      This Personal Data Protection Declaration has been implemented since October 1, 2012. However, to cope with the social environment, changes of laws and advancement of technologies, with respect to the purpose of protecting the customer personal data rights, this website reserves the right to revise this declaration at any time, and any updates thereof will be announced on the website timely to inform customers.



  3. Fubon.com website (referred to as this “website group”) is jointly formed by the company websites of Fubon Financial Holding Co., Ltd., Taipei Fubon Commercial Bank Co., Ltd., Fubon Insurance Co., Ltd., Fubon Life Insurance Co., Ltd., Fubon Securities Co., Ltd., Fubon Asset Management Co., Ltd., Fubon Securities Investment Services Co., Ltd., Fubon Insurance Agency Co., Ltd., Fubon Futures Co., Ltd., Fubon Financial Venture Capital Co., Ltd. and new domestic subsidiaries disclosed and announced on this website according to the laws due to future organizational changes (referred to as “Fubon Financial Holding and Subsidiaries”).

    1. Collection of Personal Data

      This website group may collect user’s relevant basic information, including the name, identification number, address, telephone and e-mail box and other relevant necessary information via the customer service center, electronic newsletter center, product consultation service, network activities and other online survey or online application services. This website group may also retain relevant records (including but not limited to the IP address of connection equipment used by customers, browser used, time of use, browsing and data selection records etc.) generated by the server automatically during the browsing or inquiries of this website group performed by customers.

    2. Information Collected by This Website Group Automatically

      When a user is browsing or inquiring and using this website group, the information that may be automatically recorded by this website group includes: user’s operating system, internet network communication protocol (IP) address, information of use equipment, time of use, browser type and language and selection data record etc., and websites browsed by users prior to the browsing of the website of the Company.
      This website group may use Web Beacon, Cookies, Local Shared Object (LSO) and similar methods (defined as follows) to record the information. If a user disagrees with the Cookies used by this website group, unless user disables the Cookies according to the method described in the following in advance, please do not use the service of this website group. This website group may link any information automatically collected to the personal data.

      • Web Beacon

        Web Beacon refers to the electronic image used by this website group on websites or e-mails, and its purpose is to transmit Cookies, to calculate number of times of browsing and to understand the condition of use and event outcome.

      • Cookies

        Cookies refer to small data file stored on hard drives of users. This website group uses Cookies to assist the improvement of the user experience of the website. Typically, through the setting of a browser, Cookies transmitted by websites can be removed and rejected.

      • Local Shared Object (referred to as “Flash Cookies”)

        This website group uses the Local Shared Object (also known as “Flash Cookies”) to store the preference setting of users or display personalized content or display advertisement according to the content viewed by users on this website group during the browsing of the website. The difference between Flash Cookies and other Cookies relies in the quantity, type and method of the data storage.

    3. Use Policy for Aforementioned Data Collected by This Website Group

      The personal data collected by this website group is used according to the specific purposes described during the collection thereof. The personal data associated with the online application service is transmitted to relevant units responsible for such service in order to facilitate the contact with users. For various online events, the personal data is used in inquiry replies and notices of lottery results as well as commercial and market analysis etc. depending upon the purpose of collection. For the information on the purpose of use, subject of use and time of the personal data, please refer to the event web content, and this website group does not use such information for purposes other than the specific purposes of information collection.

    4. Use and Policy for Cookies and Other Similar Techniques

      For the purposes of providing optimal and personalized services, facilitating customers’ participation in personalized interactive events and to understand and manage the condition of use (including but not limited to analysis of number of visitors, website traffic, user distribution, product/service notability, activity behaviors and mode of use) of this website group, improving the service quality of this website group, providing customized marketing information or advertisement matching with customer demands or interests and hobbies as well as tracking the outcomes thereof and similar purposes, this website group records, assesses and collects your online behavior data automatically or through cooperating partners with the use of Cookies, Beacons (Web Beacon, Beacon API etc., same for below) or other similar technical tools (collectively referred to as the “marking tools”).
      Through the acceptance setting of browsers, programs or devices installed, the marking tool can be blocked, deleted or stopped. For example, in the setting of a browser, the level of acceptance of Cookies can be selected (please refer to the following instructions on the setting method), including the three types of options of Accept All Cookies, Notice Upon Receiving Cookies, Reject All Cookies. However, if user chooses to reject all marking tools, then he or she may not be able to use parts of the personalized services or to participate in parts of the events.
      The online behavior data includes information (including but not limited to IP address, Cookie ID and its content, unique identifier, domain name, device information, time of use, browser type, language setting, geographical location, operating system, server record, website search/browsing/selection record and mode of use and information or tags generated from the analysis and sorting of the aforementioned data acquired by cooperating partners under their names) of network behaviors generated from the visiting of this website, other websites and social media platforms (regardless whether they are linked to this website).
      The aforementioned online behavior data is provided to Fubon Financial Holding and Subsidiaries, third parties or cooperating partners entrusted to handle data based on the operational needs of the aforementioned purposes during the duration of the aforementioned purposes. Automated or non-automated method is adopted domestically or internationally to perform collection, processing, cross-border transmission and use. However, before the consents of customers are obtained, the collection, processing, cross-border transmission and use of non-identifiable personal data are only performed in domestic of foreign areas where such entities are located.
      Attention: When a user is visiting or browsing and using other websites or social platforms, if such other websites perform data collection, it shall be governed by their respective privacy protection policies of such other websites, and Fubon Financial Holding and Subsidiaries shall not be responsible for any behaviors of other websites.
      To change the Cookie setting, please refer to the official instructions provided by each browser developer.
      The functions of the Company website are designed to have the most optimal running status when Cookies is enabled. However, if a user wishes to disable Cookies, he or she may use the browser setting to control the Cookies.

      • Google Chrome
      • Internet Explorer
      • Mozilla Firefox
      • Apple Safari
    5. Policy for Sharing of Personal Data with Third Party by This Website Group

      This website group does not arbitrarily sell, exchange, lease or other disguised methods to disclose the personal data of users to other groups or individuals. Nevertheless, under the following three conditions, this website group may share your personal data with a third party:

      • Where a user’s prior consent or authorized permission is obtained.
      • Where there is a request made by a judicial unit or other competent authorities through legitimate and official procedures.
      • Where for the purpose of providing other services or discount benefits to a user, there is a need to share user information with a third party providing such services and discount benefits. This website group also provides sufficient explanation and information during the event, and a user may freely choose to whether accept such services or discount benefits.
    6. Policy for Transmitting Commercial Information or E-mail of This Website Group

      For the discount benefit information content transmitted by this website group, we provide sufficient explanation during the event, and a user can choose whether to accept such specific service or event on his or her own discretion. If a user chooses to accept this service, this website group guarantees to not transmit any information registered by a user on this website to any third party. This website group transmits commercial information or e-mails to a user only when a user’s consent is obtained in advance or through registration. This website group indicates that the information or e-mails are transmitted from us, and also provides methods, instructions or functional links on such information or e-mails to allow the user to stop receiving such information or e-mails at any time.

    7. Revision of Website Privacy Policy

      This website group may revise the privacy protection policy provided on this website group at any time depending upon the needs in order to implement protection of a user's privacy thoroughly. When this privacy protection policy is revised, a visible marking will be provided to inform the user. Users are recommended to further understand our new privacy policy and its changes during their next visit of our website.

    1. Question 1: What information is covered by the term “personal information”?

      Answer: It includes but is not limited to your name, ID number, date of birth, address, contact method, marital status, family status, education, occupation, financial status, mobile device and internet media information (such as your mobile equipment identity number, mobile device location, social media information, internet protocol (IP) address, internet browsing tracking information in or outside of this website, and cookies), and any other information that can directly or indirectly identify you. (For more detailed information, please refer to web pages on information storage or lists shown on terms and conditions pages.)


    2. Question 2: How will we use your personal information?

      Answer: We will collect, process and use it for financial services to comply with legal obligations or the requirements of financial regulators; for marketing (or cross-selling) purposes; for the handling of financial disputes; for consumer and customer management and services; for the management of advertising or commercial activities; for surveys, statistics, research and analysis; for other financial management businesses or other businesses within the scope of our business registration or articles of incorporation; and for other consulting services.


    3. Question 3: What are your rights related to your personal information?

      Answer: With respect to your personal information, by law you can request to exercise any of the following rights through a contact method provided by a customer service center of Fubon Financial Holdings or any of its subsidiaries:

      • Make an inquiry about and review your personal information;
      • Request a copy of your personal information;
      • Supplement or correct your personal information;
      • Demand the cessation of the collection, processing or use of your personal information;
      • Request that your personal data be deleted.

      When you exercise any of the above-mentioned rights, Fubon Financial Holdings or any of its subsidiaries may, by law, collect any necessary costs or expenses incurred. Your request may not be granted if an application does not comply with proper procedures or regulations, or if Fubon Financial Holdings or any of its subsidiaries have a legal obligation to preserve the information, or if the law stipulates otherwise. You are free to choose whether or not you want to provide related information or a particular type of information. If, however, the information or type of information you do not agree to provide is needed to review or handle a service, Fubon Financial Holdings or any of its subsidiaries may not be able to complete a related process, making it impossible to provide you with the service or optimize services you may use.


    4. Question 4: How can you have your information withdrawn from cross-selling activities?

      Answer: You can notify Fubon Financial Holdings or a subsidiary in writing, by email, or by contacting customer service to request that your information no longer be shared for cross-selling activities. Once Fubon Financial Holdings or a subsidiary has received your request, it will stop sharing your information for cross-selling marketing activities as soon as possible within a reasonable number of business days.


    5. Question 5: What is the legal basis used by Fubon to process personal information?

      Answer: This website group provides clear explanations of the information it transmits on discounts and special offers during promotional activities, and you can decide whether or not to accept these special services or promotions at your discretion. If you choose to accept the service, this website group guarantees that it will not transmit any information that you have registered on this website to any third party. This website group will only send commercial information or emails to you after obtaining your consent in advance or during registration for a service. Aside from specifying that the information or emails transmitted by the website group to you are in fact sent by us, we also provide in the information or emails methods, instructions and links to functions that you can use to stop receiving such information or emails at any time.


    6. Question 6: Can you ask to check, review, change, or delete your personal information?

      Answer: With respect to your personal information, you have the right by law to request to exercise any of the following rights through a contact method provided by a customer service center of Fubon Financial Holdings or any of its subsidiaries:

      • Make an inquiry about and review your personal information;
      • Request a copy of your personal information;
      • Supplement or correct your personal information;
      • Demand the cessation of the collection, processing or use of your personal information;
      • Request that your personal data be deleted.

    7. Question 7: Can you request that Fubon provide your information to third parties?

      Answer: To provide you with the most complete, diverse and suitable products and services, Fubon Financial Holdings and its subsidiaries may disclose, transfer or use your information for joint marketing activities (including cross-selling), for contracted services provided by third parties, or to comply with requests by regulatory authorities, subject to regulatory approval or your consent.


    8. Question 8: What is the period of time for which your personal information is stored and used?

      Answer: The period of use starts from the date when you agree for your basic personal information to be saved and registered for services related to the customer service center, electronic newsletter center, product consultations or participation in internet activities, or other online application services or mailboxes for contacting Fubon Financial Holdings or any of its subsidiaries. The period lasts for the period of duration of the specific purpose for which the information is stored and used, or based on provisions in related laws, contractual terms, or a fixed time period information files need to be stored for business purposes (with the longest time period of those options prevailing if more than one apply).


    9. Question 9: How is your personal information protected?

      Answer: Your information is securely stored in Fubon Financial Holdings and subsidiary databases. The storage of information is managed based on the internal management guidelines of Fubon Financial Holdings and its subsidiaries, which means that no individual can access or change your information without the proper authorization.

      Information security protocols are used to transmit and encrypt information, and firewalls have been installed to prevent illegal intrusions, keeping your information from being accessed illegally. At the same time, encryption technology is used to store and safeguard passwords and keep them from being stolen.


    10. Question 10: What is Fubon’s policy on sharing personal information with third parties?

      Answer: This website group does not arbitrarily sell, exchange, rent, or use other disguised methods to disclose your personal data to other groups or individuals. Under the following three conditions, however, your personal data could be shared with a third party:

      • When your prior consent or authorization is obtained
      • When a judicial unit or other competent authority makes a request using legal and official procedures
      • When there is a need to share user information with a third party to be able to provide you other services or discounts or special offers; this website group will provide clear explanations of the information and special offers during the promotion, and you can decide whether or not to accept these special services or promotions.


This website (and the company) has a "Fubon.com Personal Data Protection Declaration" and a " Fubon.com Privacy Protection Policy." (For more information, please refer to the "Fubon.com Personal Data Protection Declaration" and "Fubon.com Privacy Protection Policy)".This website uses cookies to record and access information about your browsing history to improve user experience and optimize the website service. By continuing to use this website, you understand and consent to the policies, as well as the Company’s use of your personal data and other information (including but not limited to cookies).

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