Personal Loan


Offering loan amount up to HK$2 millions, helping you manage financial expenses flexibly.

Car Owner Loan


Covering up to 100% of the car price, first year license fee and insurance.

SME Business Microloan


Non-collateral, agile microloan solutions for SME owners, connecting opportunities with capital!

Renovation Loan


Creating budget flexibility for your dream home renovation!

Personal Loan
Car Owner Loan
SME Business Microloan
Renovation Loan


1. When does this privacy statement apply?

This statement explains the approach taken by ORIX Group ("ORIX") toward the personal data that we collect about you when you visit this website, or when you send us communications via any electronic devices. This statement is limited to information and data collected on this website only.

2. You consent to our use of your information and cookies

By using this website and providing your information you consent to: (a) our use of cookies and our use of your information as described in this statement; and the terms and conditions of this Privacy Statement. If you do not consent then please do not use this website and do not provide your information.

3. What information do we collect about you?

The website is designed to use cookies to collect information about how people use the website and in some parts of the website submission of your information is permitted (for online applications and enquiries). Otherwise, you may use the website without providing your information.

3.1 Use of cookies

Cookies are small data files which are placed on your device when you visit our website. Cookies are used to identify your device for the following purposes:-

3.1.1 carry information between pages of our website to avoid having to re-enter that information;
3.1.2 personalize our content for you and remember your preferences;
3.1.3 store your preferences so you do not have to re-enter that information when you return to the website;
3.1.4 tracking your visits to our website and recognizing your web browser when you are a repeat visitor so that we can gather statistics to evaluate site effectiveness. Most web browsers are set up to accept cookies. You can choose to 'not accept' cookies but if you block all cookies, certain features on our website may not function properly.

3.2 Online enquiries and applications

When you submit an online enquiry or apply for a particular product or service online, please read any applicable Terms and Conditions for these products and services as well as our Circular to Customers and Person Acting as Guarantors and Mortgagors Relating to the Personal Data (Privacy) Ordinance.

3.3 Electronic communications

If you contact us via email, we may keep a record of that correspondence.

4. How we use your information

We will use good practices to keep it secure and will otherwise abide by the relevant data protection and privacy laws.

4.1 Using your information

If you provide your information on the website in relation to any products and services or send us an electronic communication, we will use your information for the purposes ("Purposes") of providing and operating the product or service you request or responding to your electronic communication and for other related purposes that may include:

4.1 processing your application for the establishment of products and services;
4.1.2 operating, maintaining and providing financial services to you;
4.1.3 conducting credit checks;
4.1.4 creating and maintaining our credit scoring models;
4.1.5 maintaining your credit history for present and future reference;
4.1.6 assisting other financial institutions to conduct credit checks and collect debts;
4.1.7 monitoring your ongoing credit worthiness;
4.1.8 designing financial services or related products for your use;
4.1.9 marketing services, products and other subjects as set out in more detail under our Circular to Customers and Person Acting as Guarantors and Mortgagors Relating to the Personal Data (Privacy) Ordinance.;
4.1.10 BYON mobile application account and related service setup;
4.1.11 determining the amount of indebtedness owed to or by you;
4.1.12 meeting or complying with any obligations, requirements or arrangements for disclosing and using data that apply to us or that it is expected to comply according to:-
a)any law or regulation binding on or applying to it within or outside the Hong Kong Special Administrative Region ("Hong Kong") existing currently and in the future (e.g. the Inland Revenue Ordinance and its provisions including those concerning automatic exchange of financial account information or the Foreign Account Tax Compliance Act (FATCA) of the United States);
b)any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers within or outside Hong Kong existing currently and in the future (e.g. guidelines or guidance given or issued by the Inland Revenue Department including those concerning automatic exchange of financial account information or any guideline or guidance concerning the Foreign Account Tax Compliance Act (FATCA) of the United States);
c)any present or future contractual or other commitment with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers that is assumed by or imposed on ORIX by reason of its financial, commercial, business or other interests or activities;
d)meeting or complying with any obligations, requirements, policies, procedures, measures or arrangements for compliance with sanctions or prevention or detection of money laundering, terrorist financing or other unlawful activities; and
e)any other purposes relating to the purposes listed above.

4.2 Retaining your information

We will retain your information for as long as the purpose for which we collected it continues. It will then be destroyed unless further retention is required to satisfy a legal, regulatory or accounting requirement or to protect our interests.

5. Data we hold is kept confidential but we may provide, transfer or disclose such data or information to other parties (whether within or outside Hong Kong) if it will help with any of the uses we’ve listed in clause 4 (Using your information). These other parties include:

(a) any organisation, agent, contractor or third party service provider who provides administrative, telecommunications, identity verification/know-your-customer, eWallet, payment/transaction, cloud storage or services, data analytics, cybersecurity or securities clearing or other services to us in connection with the establishment, operation, maintenance or provision of any BYON product or service to you;
(b) any interface (such as an application programming interface) that links to, or in any way makes available information about, our products and/or services;

6. Privacy, security and communications using the Internet

6.1 The Internet is not a secure form of communication and sending and receiving information over the Internet carries with it risks including the risk of access and interference by unauthorised third parties.

6.2 We do not accept responsibility or liability for the confidentiality, security or integrity of your Information in connection with its transmission over the Internet.

6.3 In order to maintain the security of our systems, protect our staff, to prevent and detect crime or unauthorised activities, we reserve the right to monitor all Internet communications including web and email traffic into and out of our domains.

7. Accessing and updating your information and contacting us

If you have questions about our Website Privacy Statement please write to us at:
The Data Protection Officer
ORIX Finance Services Hong KongAsia Limited
25th Floor, Two Exchange Square, 8 Connaught Place, Central, Hong Kong
Telephone : 2862 9268
Fax: 2527 9688

8. Website privacy statement update

This website privacy statement will be updated from time to time. Please check this website for the most recent version.

Last revision date : 9 June 2023

BYON Website Maintenance
Please note that BYON website will be undergoing maintenance on 29th March, 2023 (Wednesday) from 7pm to 9pm. During this period, our website will be temporarily unavailable.