Regulatory framework and applicable boundaries
Hong Kong Xintong targets B2B institutional customers，Adopt the three-layer mapping method of "Legal Obligations-Business Scenarios-Control Measures"，Helping enterprises create a sustainable balance between business growth and data compliance。Targeting the common multi-jurisdictional operations of financial institutions，We focus on covering：
- Mainland China Personal Information Protection Law (PIPL) and supporting rules；
- Hong Kong’s Personal Data (Privacy) Ordinance (PDPO) and Regulatory Guidelines；
- Contract terms involved in cross-border business、Data minimization and interpretability requirements。
If you are involved in both payment and transaction business，Linkable referencePayment Gateway (PSP) ComplianceandVASP/FinTech Compliancecontrol framework，Avoid duplication of construction。
Unify the mainland、Hong Kong and international customer requirements，Reduce institutional conflict。
Around account opening、KYC、Transaction monitoring、Establish control points for high-risk scenarios such as customer service backtracking。
Output available for internal review、Evidence chain template for external audit and cooperative bank review。
Personal information full life cycle management
we willdata governanceDivided into "collection、use、storage、shared、Cross-border、Six stages of deletion，And configure "legal basis + technical control + process approval" at each stage。
Key deliverables include：
- Data classification and classification and sensitive information identification list；
- Record of Processing Activity (ROPA) and System Permissions Matrix；
- Supplier/Outsourcer Data Processing Agreement (DPA) and Due Diligence Template；
- Data Subject Request (Access、correct、Delete) SLA process；
- Data leakage graded response and regulatory reporting triggering standards。
If you need to combine transaction monitoring and customer relationship management systems，Can be dockedHong Kong Xintong AML/CRM Compliance SystemandeDon TM Transaction Monitoring SystemIntegrated configuration of permissions and logs。
Implementation of technology and internal control in financial institution scenarios
Dynamically crop fields based on business purpose，Reduce unnecessary identity and transaction additional information。
Highly sensitive query、Batch export、Approval thresholds and expiry recycling are set for cross-department sharing.。
pair view、download、Revise、Keep auditable logs of key actions such as transmission。
through standard terms、Receiver Assessment and Transmission Ledger，Ensure compliance in cross-border scenarios。
For licensed or proposed licensed institutions，We recommend incorporating personal information governance into the overall licensing compliance structure，with AML、KYC、ITGC、Outsourcing management is promoted at the same frequency。Please refer to related supporting packages：
Implementation process and delivery milestones
Interview with business/legal/technical team，Output gap assessment and risk heat map。
form data map、Process activity list、Permissions and transfer paths。
Landing Privacy Policy、internal system、SOP、DPA and cross-border provisions。
Optimize collection fields、desensitization strategy、Log traces、Alarm and approval flow。
Conduct data incident drills and management reports，Form an audit evidence package。
Personal information protection budget composition and frequently asked questions
There is no one-size-fits-all budget for personal information protection that applies to all businesses。Fees should be based on data type and size、processing activities、Number of systems、Cross-border scenario、Supplier scope、Existing control measures and rectification depth are calculated separately。
| Cost module | Accounting basis | Common deliveries | Quotation method |
|---|---|---|---|
| Data inventory and gap assessment | business process、system、Data Categories and Participating Departments | Data list、Process activity records、Risk and Correction Checklist | Calculated by scope and complexity |
| System and notification text | main role、Purpose of processing、Data sources and sharing scenarios | Privacy Policy、informed consent、Internal systems and operating procedures | Calculated by file and scene |
| Technical and permission rectification | Number of systems、Permissions、log、Encryption and deletion mechanisms | control scheme、Configuration recommendations and verification records | Calculated based on system and rectification workload |
| Cross-border and supplier governance | Receiver、destination、Contracts and data flows | Assessment materials、Contract terms and supplier checklist | Accounting by recipient and data flow |
| Training and incident response | Staff size、Position type and exercise scope | training、response process、Notices and drill records | Calculated by session or project stage |
The entire life cycle of personal information protection
Personal information protection needs to cover collection、use、shared、storage、access、The entire deletion and incident response process。Just put a privacy statement on the page，Unable to prove that the backend system has protected data as required。
- Build data assets、processing activities、Permissions、Supplier and cross-border transfer lists。
- Enforce least privilege、encryption、backup、log、Desensitization、Delete and access review。
- Set up data subject requests、Leak judgment、notify、Forensic and recovery processes。
- Use training、Security testing、Continuous verification of supplier audits and incident drills。
Official verification："Personal Information Protection Law of the People's Republic of China"。Specific obligations must be combined with the subject、business、Customer location and latest regulatory confirmation。
Won't。Rank by field、Automated approval and templated notifications，Often reduces duplication of collections while meeting compliance requirements，Improve frontline processing efficiency。
A common risk is that the basis for data export is unclear、Insufficient obligations of the recipient、Missing trace evidence。It is recommended to establish a transfer ledger and review it regularly。
need。AML emphasizes identification and monitoring，Personal information protection emphasizes legality、Necessity and rights protection，The two need to be integrated but cannot replace each other。
It is recommended to establish quarterly self-examinations、annual audit、Three mechanisms for triggering evaluation of major changes，And designate the person responsible for data protection to continuously update the system.。
