Effective date: 10 August 2026
Updated on: 10 August 2026
This Privacy Statement explains the policies of Pacific Cross Insurance Co Ltd. (“PCICL”,“we”, “us” or “our”) on the collection and use of the information we collectwhen you access https://www.pacificcross.com (the “Service”) and when you provide Personal Data to us in connection with our insurance products and services (including through application forms, claims forms, service forms, broker or intermediary channels, and other communications). This Privacy Statement describes your privacy rights and how you are protected under applicable privacy laws.
By using our Service or providing Personal Data to us, you are consenting to the collection and use of your information in accordance with this Privacy Statement. Please do not access or use our Service if you do not agree with the terms of this Privacy Statement.
We may update this Privacy Statement from time to time. The revised version will be posted on https://www.pacificcross.com and will take effect on the date stated in the updated version. We encourage you to review this page periodically.
When you use our website or deal with us in connection with our products or services, we may collect the following categories of Personal Data:
Usage Data includes the following:
Health and medical information constitutes sensitive Personal Data under applicable privacy laws. We process such data only where necessary for underwriting, policy administration, claims handling or compliance with legal obligations, and with appropriate safeguards.
We collect Personal Data directly from you and, where applicable, through third parties acting on your behalf, including in the following circumstances:
We retain Personal Data only for as long as necessary to fulfil the purposes for which it was collected, including to satisfy any legal, regulatory, accounting or reporting requirements. This may include longer retention periods required under applicable insurance, tax, anti-money laundering or limitation-period laws (which may require retention for six (6), seven (7) or more years after the end of the relevant relationship or claim). We generally retain Personal Data for a period of no more than seven years after the termination of the business relationship, unless a longer retention period is required by law or for the establishment, exercise or defence of legal rights. Information that does not identify you personally maybe stored indefinitely. Once Personal Data is no longer required, we will securely delete, destroy or anonymise it, subject only to mandatory retention obligations.
We may use your Personal Data for thefollowing purposes:
We process Personal Data on the following lawful bases under applicable privacy laws: performance of a contract,compliance with legal obligations, our legitimate interests (balanced against your rights), and consent where required.
Pacific Cross Insurance Co Ltd. will share your information, when applicable, in the following situations:
Any third party with whom we share your Personal Data is required to use it only for the disclosed purpose, to retain it only for as long as necessary for that purpose, and not to further collect, sell or use the Personal Data except as necessary to perform the specified purpose.
Your information may be shared with third parties for reasons including:
If you choose to provide Personal Data during registration or otherwise, you are giving Pacific Cross Insurance Co Ltd. permission to use, share, and store that information in a manner consistent with this Privacy Statement.
Your information may be disclosed for additional reasons, including:
Because Pacific Cross Insurance Co Ltd. is incorporated in Samoa and maintains correspondence and operational functions in Hong Kong, and because we work with intermediaries and service providers in multiple jurisdictions, your Personal Data may be transferred to and processed in Samoa, Hong Kong and other countries where our authorised service providers operate. We take appropriate steps to ensure that such transfers are lawful and protected by suitable safeguards consistent with applicable privacy laws.
Cookies are small text files that are placed on your device by websites that you visit. Websites use cookies to help users navigate efficiently and perform certain functions. We use cookies and similar technologies to operate our website, improve performance, analyze usage and, where applicable, support marketing activities. Where required by law, we will request your consent before placing non-essential cookies on your device.
A detailed list of the cookies we use, including their names, providers, purposes and durations is available in the cookie preference centre on our website.
You can change your cookie preferences at any time through the cookie preference centre or your browser settings. Disabling certain cookies may limit your ability to use some features of the website.
The security of your Personal Data is important to us. We utilise a range of technical and organisational security measures to prevent the misuse, loss or alteration of the information you provide. While we take reasonable steps to protect Personal Data, no method of transmission over the Internet or method of electronic storage is completely secure, and we cannot guarantee the absolute security of the information you provide us. You must access our service at your own risk.
Our website may contain links to third-party websites. We are not responsible for the privacy practices, content or security of those websites.
Subject to applicable law (including the Hong Kong Personal Data (Privacy) Ordinance (Cap. 486) and the Samoa Privacy Act 2013), you may have the right to:
To exercise any of these rights, please contact us using the details below. We may need to verify your identity before responding.
For any questions, privacy requests or complaints, please contact us through the following methods:
E-mail: inquiry@pacificcross.com
Website: https://www.pacificcross.com
