为了能够根据任何适用法律以及监管机构不时发布的规则、准则和指令所规定而向您提供我们的服务，我们必须要求您提供有关您本人的某些信息，包括您的身份证明文件、财务信息（例如，关于您的身份、受益人账户等的信息）以及适用法律、规则，准则和指令不时要求的其他信息或文件。我们将根据适用的数据保护法律规定来利用您提供的数据，其中应包括但不限于《香港法例》第486章《个人资料（私隐）条例》。

In order to provide you with our services in accordance with applicable laws, rules, and guidelines set forth by regulatory authorities, we are required to collect certain information about you, including your identification documents, financial information (e.g., details about your identity and beneficiary account), and any other information or documents that may be required by applicable laws, rules, and guidelines. We will utilize the data you provide in compliance with applicable data protection laws, including but not limited to the Personal Data (Privacy) Ordinance (Chapter 486 of the Laws of Hong Kong).

原则上，我们所获得的信息应仅由我们用于提供我们的服务，并且仅在提供此类服务所必需的范围内使用。除非我们有任何法律义务或具有管辖权的任何法院指令，或者我们必须这样做才能提供我们的服务，否则不应让第三方获取我们所拥有的关于您的信息。

As a general rule, the information we obtain will be used solely for the purpose of providing our services and will be used only to the extent necessary for the provision of such services. Unless we have a legal obligation or a court order from a competent authority, or unless we must do so in order to provide our services, we will not allow third parties access to your information.

我们收集的信息主要包括以下两类，其具体内容、收集方式及用途如下：

We collect two main types of information, as described below:

2.1 个人数据 / Personal Data 指能够单独或结合其他信息识别您身份的数据。我们通过以下方式收集：

Personal data refers to information that can identify you, either on its own or when combined with other data. We collect this information in the following ways:

您主动提供的数据：为创建账户、使用核心功能（如跨境汇款及结算）、参与活动或联系客服，您需提供的数据，包括但不限于：身份信息（姓名、证件）、联系信息、财务信息（收款账户）、生物识别信息（用于身份验证的面部图像）等。为满足企业用户（KYC）审核要求，您还必须提供公司信息，例如公司名称、营业执照、公司文件、业务信息或税务信息等。

Data You Actively Provide: This includes data provided when creating an account, using core functions (like cross-border remittance and settlement), participating in activities, or contacting support, including but not limited to: identity info (name, IDs), contact info, financial info, and biometric data. To meet corporate user (KYC) compliance requirements, you must also provide corporate information, such as company name, business license, corporate documents, business information, or tax information.

我们自动收集的数据：在您使用服务过程中，为满足安全风控及合规义务，我们可能自动收集：设备信息（如IP地址、设备标识符）、交易日志（交易时间、金额、对手方）等。

Data We Collect Automatically: During your use of the services, we may automatically collect data to meet risk control and compliance obligations: device information (e.g., IP address, device identifiers), transaction logs (transaction time, amount, counterparty), etc.

我们从第三方获取的数据：在符合法律前提下，我们可能从信用信息、反洗钱数据库等第三方来源获取您的数据，以完成身份验证与风险评估。

Data We Obtain from Third Parties: In accordance with applicable laws, we may obtain your data from third-party sources such as credit information agencies and anti-money laundering databases to complete identity verification and risk assessments.

2.2 非个人数据 / Non-Personal Data
指无法识别特定个人的匿名化信息，主要通过自动方式收集，用于分析和改善产品性能、保障系统稳定。

Non-personal data refers to anonymized information that cannot identify a specific individual, mainly collected automatically to analyze and improve product performance and ensure system stability.

我们仅会为实现以下目的，在必要的范围内处理您的个人数据：
We will only process your personal data within the necessary scope and for the following purposes:

(1) 履行合同与为您提供服务：包括但不限于处理您的汇款交易与多币种资金清算、验证您的身份与银行/电商平台账户、执行您的支付指令、与金融机构合作结算资金，以及与您沟通服务相关事宜。

(1) Providing Services: Including but not limited to processing your remittance transactions and multi-currency clearing , verifying your identity and bank/e-commerce platform accounts, executing payment instructions, cooperating with financial institutions for settlement, and communicating service-related matters.

(2) 履行法定义务：为遵守反洗钱、反恐怖主义融资、客户尽职审查（CDD）等法律要求（包括香港《打击洗钱及恐怖分子资金筹集条例》（第615章）），执行必要的控制、检查、记录保存及报告。

(2) Legal Obligations: To comply with anti-money laundering, anti-terrorism financing, and customer due diligence (CDD) laws (including Chapter 615 of the Laws of Hong Kong), perform necessary controls, checks, record-keeping, and reporting.

(3) 维护合法权益：为保障服务安全、防止欺诈与滥用（如识别异常交易模式或电商平台账户接管）、维护系统安全、行使或抗辩法律权利。

(3) Maintaining Legal Interests: To safeguard service security, prevent fraud and abuse (e.g., identifying abnormal transaction patterns or e-commerce account takeovers), maintain system security, and exercise or defend legal rights.

我们只会将您的个人数据披露给适用法律要求的监管机构，以及为提供本服务所必需的工作人员、第三方服务商和关联公司。我们保证此类披露基于“了解所需”原则，接收方均受本隐私政策的保密约束。

We will only disclose your personal data to regulatory authorities as required by law, and to employees, third-party service providers, and affiliates necessary to fulfill the services. We assure you that such disclosures are on a "need-to-know" basis and recipients are bound by confidentiality under this Privacy Policy.

Disclosure to Third Parties / 披露给第三方

在处理您的交易时，我们可能会与我们的第三方服务商共享您的一些个人数据。例如，在处理自主申报结汇等业务时，我们将向合作的支付通道及报关机构提供完成结算所必需的订单与资金流水数据。未经您的同意，您的信息将不会出售或共享给任何无关第三方。

While processing your transactions, we may share some of your personal data with third-party service providers. For instance, when processing self-declared settlements, we will provide necessary order and fund flow data to cooperative payment channels and customs declaration agencies. Without your consent, your information will not be sold or shared with unrelated third parties.

Disclosure to Law Enforcement / 披露给法律机关

在收到传票、法院命令，或为防止经济损失、举报非法活动、调查违约情况时，我们可能会与执法及监管机构共享您的数据。

We may share your data with law enforcement and regulatory bodies when receiving a subpoena, court order, or to prevent financial loss, report illegal activities, or investigate policy violations.

我们的服务本质上是全球性的，数据可以在我们开展业务的任何国家或地区进行存储和处理。为向您提供跨境汇款服务，您提供的个人数据将被传输至香港并在香港存储和处理。我们已采取符合适用法律要求的措施保障跨境数据传输安全，确保您的数据得到与本政策承诺同等水平的保护。

Our services are global in nature, and data may be stored and processed in any country where we operate. To provide cross-border remittance, your personal data will be transferred to, stored, and processed in Hong Kong. We have implemented measures complying with applicable laws to ensure cross-border data transfer security and protect your data to the standards in this policy.

Skyee会采取适当措施（如加密传输、访问控制、安全审计等），防止未经授权的访问、使用、更改或破坏个人识别信息。我们仅在为实现本政策所述目的（如反洗钱法律要求的5年期限）所必需的期限内保留您的个人数据。

Skyee takes appropriate measures (e.g., encrypted transmission, access control, security audits) to protect against unauthorized access, use, alteration, or destruction of personally identifying information. We retain your personal data only for the necessary period to fulfill purposes described in this policy (e.g., the 5-year requirement under AML laws).

我们使用Cookie和类似技术来维持您的登录会话状态、识别访客并为您提供更个性化的用户体验。您可以根据自己的偏好，通过设备设置管理或拒绝Cookie，但这可能会导致部分服务功能无法正常使用。

We use cookies and similar technologies to maintain login sessions, identify visitors, and provide a personalized user experience. You may manage or reject cookies through your device settings, though this may prevent some features from functioning properly.

为保障本软件部分功能的实现，我们可能会向您申请设备系统权限，在客户端集成第三方 SDK，或通过服务端接口调用第三方服务。

To ensure the functionality of certain features of this Software, we may request device system permissions, integrate third-party SDKs into the client, or invoke third-party services via APIs.

8.1 我们可能申请的设备系统权限 / Device System Permissions We May Request

您可以在设备设置中管理或撤回这些权限，撤回权限可能导致对应功能无法使用，但不影响其他基础功能：

You can manage or withdraw these permissions in your device settings; withdrawing permissions may result in the inability to use the corresponding features, but will not affect other basic functions:

• Camera Permission / 相机权限: Used for identity verification (such as face authentication) and taking photos of business licenses, ID documents, etc.
  用于验证身份（如人脸核身）及拍摄营业执照、证件照片等。
• Photo Album/Storage Permission / 相册/存储权限: Used for identity verification, or selecting and uploading files from local storage such as images, PDFs, contracts, and IDs.
  用于验证身份，或从本地选择并上传图片、PDF、合同、证件等文件。
• Notification Permission / 通知权限: Used to push transaction status, security alerts, system notifications, etc., to you.
  用于向您推送交易状态、安全警报及系统通知等。

8.2 客户端集成的第三方 SDK

8.2 Client-Side Integrated Third-Party SDKs

8.3 服务端调用的第三方服务

8.3 Server-Side Invoked Third-Party Services

根据适用法律，您通常享有以下权利：访问与更正、请求删除、反对与限制处理、数据可携权、撤回同意以及注销账户的权利。您可通过第14条所述方式联系我们行使上述权利。
Under applicable laws, you generally have the right to: access and correct, request deletion, object and restrict processing, data portability, withdraw consent, and account deletion. You may exercise these rights by contacting us via Section 14.

我们的服务面向具备完全民事行为能力的成年用户（及企业实体）。如果我们发现在未获得法定同意的情况下收集了未成年人信息，将尽快删除相关数据。

Our services are intended for users (and corporate entities) of full legal age. If we discover we collected minor data without legal consent, we will promptly delete it.

Skyee有权随时更新本隐私政策。对于重大变更，我们将通过显著途径另行告知。如您在变更后继续使用本软件，即视为同意受新修订政策的约束。

Skyee reserves the right to update this Privacy Policy at any time. For significant changes, we will notify you via prominent means. By continuing to use the Software after updates, you consent to the revised policy.

在任何情况下，对于因超出我们合理控制范围的因素导致的数据泄露，或因按本隐私政策以及您提供的同意书而使用、披露或传播用户数据所引起的任何索赔、损失、损害或费用（包括合理的法律费用），我们在法律允许的最大范围内不对您承担责任。

We shall in no event be liable to you in respect of any claims, losses, damages, expenses (including reasonable legal fees) arising out of or in connection with the use and/or disclosure or dissemination of the user data in accordance with this Privacy Policy and any consents that you may have otherwise provided to us, or resulting from factors beyond our reasonable control.

本隐私政策受香港法律管辖并根据其进行解释。

This Privacy Policy shall be governed by and construed in accordance with Hong Kong law.

如果您对本隐私政策有任何问题、建议或投诉，请您通过本软件的客服咨询窗口或联系 b2bclientsuccess@skyee360.com 反馈。我们将在收到合理咨询后的15个工作日内予以回复。

If you have any questions, suggestions, or complaints regarding this Privacy Policy, please contact us through the customer support window in the Software or email us at b2bclientsuccess@skyee360.com. We will respond to reasonable inquiries within 15 business days of receipt.