Last Updated: August 1, 2026
This Privacy Policy is drafted in compliance with the Personal Data (Privacy) Ordinance (Chapter 486 of the Laws of Hong Kong). We are committed to protecting your privacy and ensuring all business and personal data you submit is handled securely.
1. How We Collect and Protect Your Data
1.1 How w> SME Island does not use automated data scraping or API connections. All financial and operational data is submitted voluntarily by you through manual upload of PDF or Excel files (such as bank statements, balance sheets, profit and loss statements, and commercial invoices).
1.2 Encryption: All files and data you upload are protected with 256-bit SSL/TLS encryption during transmission and storage, preventing unauthorized access or disclosure.
2. How We Use Your Data
Your company financial data and personal information will only be used for the following purposes. We will never sell or use your data for unrelated commercial purposes:
- Conducting financial health assessments and analysis to optimize your financing application;
- Performing our advisory role in matching you with suitable funding sources;
- Assisting you, where needed, in communicating with financial institutions to explore debt restructuring or refinancing.
3. Data Disclosure
3.1 De-identification: Once you confirm activation of the matching process, we will de-identify your data — removing unnecessary personally identifiable information — before sharing it with partner financial institutions.
3.2 Who we share with: De-identified data and financial reports will only be shared with our network of 20 banks, 5 private equity funds, and compliant non-bank financial institutions, solely for assessment and financing matching purposes.
3.3 Confidentiality obligations: All partner institutions have signed confidentiality agreements with us and are legally bound to protect the data they receive. They may not transfer data to any third party.
4. Your Rights
Under Hong Kong's Personal Data (Privacy) Ordinance, you have the right to access and correct your personal data held by us. To exercise this right, please email our Data Protection Officer at dpo@smeisland.com. We will process your request within the statutory 40-day period and may charge a reasonable administrative fee for access requests.
Last Updated: August 1, 2026
Welcome to SME Island. This platform is operated by SME Island (HK) Limited. By using our services, you agree to be bound by these terms.
1. Our Role
1.1 Disclaimer of Money Lender Status: The Platform operates as an independent financing advisory and matching platform. We are not a licensed money lender under the Money Lenders Ordinance (Chapter 163 of the Laws of Hong Kong) and do not provide any loan funds.
1.2 Nature of Services: The core services provided by the Platform consist of advisory matching services — we help optimize your financing application and improve approval chances. There is no lending relationship between you and us.
1.3 Advisory Service Fee: Any fees we charge are advisory matching service fees, settled in Hong Kong Dollars.
2. Your Responsibilities
2.1 Technical Specifications and Limitations: You explicitly acknowledge and agree that the Platform does not feature any online banking API connectivity, Open Banking integration, or automatic data scraping capabilities. You shall submit corporate financial statements, bank statements, and invoices solely and exclusively via manual upload of PDF or Excel files.
2.2 Irrevocable Warranties of Authenticity: You, as the user, hereby make an irrevocable representation and warranty to the Company that all PDF and Excel files manually uploaded by you are true, accurate, and complete, and you have obtained absolute lawful corporate authorization.
2.3 Legal Consequences of Misrepresentation: If you upload false or misleading data resulting in damages, you shall bear full civil tort liability. Any suspected fraudulent activities will be reported immediately to the Commercial Crime Bureau of the Hong Kong Police Force.
3. Intellectual Property
3.1 Ownership: The overall architecture, source code, matching system algorithmic logic, and UI design are the exclusive property of the Company and protected under the Copyright Ordinance (Chapter 528 of the Laws of Hong Kong).
4. Disclaimers & Liability
4.1 No Guarantee of Credit Approval: The final approval, interest rates, and terms are determined entirely and independently by the cooperating banks or financial institutions. The maximum aggregate liability of the Company to you shall under no circumstances exceed the actual fee paid, or HKD 10,000, whichever is lower.
