88Money(HK)Privacy Policy

 88Money(HK)(hereinafter referred to as"we")will collect personal information through the 88Money(HK)website(hereinafter referred to as the"Website"). We are 88Money(HK),which specializes in providing a personal financial product comparison platform in Asia.

 The following privacy policy complies with the"Personal Data (Privacy) Ordinance 2020"(hereinafter referred to as the"Regulations"),explaining how we will try our best to protect your personal information. This privacy policy explains in detail how we will collect,use or disclose your personal information and the actions we take to ensure the security and confidentiality of your information.

 In this privacy policy,"personal data"generally refers to any information that directly or indirectly relates to a living person and can identify that person.

 The information we collect

 In the process of using this website or using the services we provide(such as requesting quotations for different personal loans),we may collect your personal information.

 The following examples are some of the situations in which we collect your personal information(including but not limited to):

 When you subscribe to our latest news,we will ask for your email address;

 When you register on this website,we may ask for your name,email address,phone number and/or mobile phone number;

 When you request a quotation for certain products,we may request information such as your age and income in order to obtain the most accurate quotation;

 When you contact us by phone,we may ask for your name,email address and/or phone number so that we can contact you for your enquiry;

 When you apply for products or services on this website,we will collect the contact information,identification information and financial information you filled in the application form;and

 When you ask us for a credit score,we will collect your name,address and other information so that it can be sent to a credit reference service agency(also known as a credit reference bank)to obtain credit score information.

 The personal information we may collect from you includes(but is not limited to)your:

 Name

 address

 email address

 telephone number

 age

 Country of Citizenship

 Any information you fill in the"Contact Us"form

 Savings target

 Resident status

 income

 Product information and features you are looking for(e.g.loan amount)

 Passport number or Hong Kong ID number(this information may be required when you purchase the product)

 Education

 property

 Employment status

 Employer or company information

 Payment information(this information may be required when you purchase the product)and;

 Any information related to the above items

 In addition,when you use this website,we may automatically save relevant data about how you use this website,which together with other information about you will constitute your personal data,such as:

 The device you are using,such as operating system,hardware version,device settings,software and device ID

 Device location,including specific geographic locations obtained through GPS,Bluetooth,WiFi signals,or other methods

 The mobile network information you use,such as the name of the mobile network provider,Internet service provider or other service provider,type of web browser,and IP address

 Import you to the pages of this website

 The page you are viewing

 Details of the products and services you have viewed and your use of the information,tools and other content on this website

 The URL you clicked on on this website

 The quotation you request from this website

 Your transaction and payment information on this website(including bank account and credit card information,and any other account confirmation information)and;

 Information related to the above items.

 Finally,when you use this website,we may obtain your information from a third-party service provider at your request,or when you check your credit score with a credit database through this website,we may also obtain information from this website. The organization obtains your information.

 Accuracy of personal data

 When you provide us with personal information,you hereby guarantee that all the personal information provided are true and accurate,and promise to notify us as soon as possible if there are any changes or changes to your personal information. Anyone who provides wrong,inaccurate or incomplete information on the form causes loss or damage to this website,the person in charge of this website,or any third party,which belongs to the user's full and absolute responsibility.

 Purpose of use of personal data

 We may use your personal data for the following purposes:

 Set up and manage your 88Money account;

 Contact you and respond to your enquiries;

 Let you use our free comparison service and provide you with a product quotation;

 Enable you to fully use all the free comparison services on this website;

 Allow you to enter the website of a third-party service provider in order to fill in the online application form;

 Process applications for partner products on your behalf (see the "Partner Products" section below for details);

 Apply for and obtain a credit rating on your behalf (for details, please refer to the "Request for Your Credit Rating" section below) to help us provide you with a comparison service;

 Analyze customer behavior, market trends and customer demographics, so that we can improve the quality of service, strengthen communication with customers, and provide services that are more tailored to your needs;

 Let this website save your personal information, so as not to re-enter relevant information every time you request a quotation or apply for a product;

 To help us obtain credit rating information for you according to your needs (see the example clause below for details);

 Help us save data more effectively and manage our business operations;

 With your consent, use your personal data for direct marketing purposes (see "Direct Marketing" terms for details);

 Comply with our legal and regulatory requirements;

 Allow us to provide services and products for the reasons related to the above items and/or your use of this website.

 Partner products

 Through 88Money (HK) to apply for products and services provided by third-party service providers (hereinafter referred to as "partner products"), we can help you save more time.  When you apply for partner products through this website, your personal information will be sent to the service provider, and your application will also be processed by the relevant service provider.  The service provider may contact you directly regarding your application.  Your personal data will be used, processed and retained in accordance with the privacy policy of the service provider, which is beyond the control of 88Money(HK).

 Get your credit score

 88Money(HK) may, at your request, allow you to apply for a credit score through this website.  If you use this service, your personal data will be sent to Universal Customer Support or other credit database.  These institutions will process your personal data to calculate your credit score.  Your personal data will be used, processed and retained in accordance with the privacy policy of the credit database, which is beyond the control of 88Money(HK).  The credit database will provide 88Money with your credit report so that we can provide you with such services.

 Disclosure of personal data

 We will keep your personal information confidential and will not disclose or pass on your personal information to third parties, except in the following cases:

 For the purpose of using personal data mentioned above, we may share your personal data with the following persons:

 88Money(HK) affiliates that provide services to 88Money(HK) or share services with 88Money(HK);

 Our partners include banks, brokers, credit institutions, insurance companies, broadband service companies, and other financial or financial service providers whose products are listed on this website from time to time (hereinafter referred to as "partners");

 Service providers that support the company's business operations,including but not limited to IT and analysis services,back office support,business consulting,legal service companies,and marketing service providers.

 We and/or any of the third-party agencies listed above may be required to disclose your personal information to any court,law enforcement agency,government agency,regulatory agency or industry organization in any country in response to judicial requests in Hong Kong or elsewhere.

 We may also need to disclose your personal information in order to identify,contact or prosecute any rights or property(whether intentional or unintentional)that may cause damage or interfere with us and/or any third party.

 Regarding the purpose of use set out in this"Personal Information Collection Statement",your personal data may be transferred outside of Hong Kong. This means that your personal data may not receive the same or similar protection as in Hong Kong. However,we will take all reasonable measures to ensure that your personal data is safely processed and stored,regardless of the country in which the data is processed or stored.

 Updates on our services and direct sales

 When you log in or use the services of this website and with your express consent,we may use your personal information(including name,residential address,email address and phone number)so that we can compare services and/or finance and insurance for personal financial products ,Newsletters,website content and other products and services listed on this website from time to time related to the latest news,offers,events and promotional activities to contact you.

 For example,this might include credit cards,mortgages,personal loans,insurance products,or broadband services. We may use other information about you,including but not limited to your age,geographic location,income range,employment status,browsing history,consumption and quotation,in order to provide the most suitable information for your needs.

 With your express consent,we may also provide our partners with your personal information(including your name,residential address,email address and phone number)so that they can compare services and/or finance,insurance,and communications with respect to personal financial products ,Website content and other products and services listed on this website from time to time related to the latest news,offers,events and promotional activities to contact you.

 We may provide other personal information about you,including but not limited to your age,geographic location,income range,employment status,browsing history,consumption and quotation,so that third-party service providers can provide the information that best meets your needs. We may benefit from providing your personal information to third parties.

 You can choose not to receive our free marketing or promotional information at any time. (See"Your Rights"for details)

 Third-party service provider

 If you decide to establish a contract with a third party through this website,the information you provide will be transmitted to the third party in accordance with the privacy policy of the third party service provider and managed by the third party. Therefore,you should contact them directly for additional information and read their privacy policy before making a contract with a third party. We are not responsible for how third parties use your personal data.

 Cookies and computer data collection

 We are committed to providing you with the best service,and this website uses cookies for this purpose. When users browse this website,our server will store the information provided by the browser,which includes but is not limited to:

 IP address;

 Browser type;

 The website that the user browsed before coming to this website;

 The pages that the user has viewed on this website;and/or

 The time the user stays on this website.

 The above cookies can help us:

 Allow you to browse this website for a more personal experience. Cookies can remember your records when you visit this website next time,and you can also browse the previously saved quotes;

 Study the habits of users when browsing the pages of this website. When we are more aware of the products that users are interested in,we can also provide better services,and the promotion and other marketing messages that are more in line with your needs;

 Get more information,such as the number of users and the pages viewed by users.

 In most cases,when you close your browser,Cookies will also be deleted,that is,Session Cookies. However,if you do not delete the Persistent Cookies or the Persistent Cookies have not expired,if the Persistent Cookies still stay in your browser,it means that you have agreed with us to use the Cookies service. Using the above services,your personal information will not be disclosed,and we will not collect,disclose or use your personal information.

 You can choose to block or delete cookies on your computer,but if you choose to block or delete cookies on this website,you may not be able to browse some product or service information,which may affect how this website is displayed in your system. The quality of services provided. (For example,banner ads may not be displayed as usual)

 Storage,security and retention

 The protection of your data is of utmost importance to us. This website is a website with"VeriSign Secure Website"qualification certification,so it has quite strict data protection. However,any data transmission via the Internet cannot be guaranteed to be 100%secure. Highly sensitive and confidential data,such as your credit card information,has been strictly encrypted to minimize the possibility of being intercepted during transmission.

 When you register on this website,you will be asked to set a password. Reading has the responsibility to keep the password strictly confidential and should not be shared with anyone. We will not be responsible for any transactions conducted by any third party after logging into your account with your password. If you suspect that your account has been stolen by others,please contact us directly.

 All personal data collected from you will only be stored for a period of time,depending on the purpose of collection and the circumstances permitted by applicable laws,but it will not be longer than the time required for the purpose of use listed in the"Purpose of Use of Personal Data" .

 Your rights

 You have the right to check whether we hold your personal data,and to view and correct your personal data.You also have the right to choose not to receive marketing or promotional information from us,our affiliates or any of our partners.

 If you want to exercise the above rights,or have any enquiries or discounts on personal information,please contact us through the following methods:

 Data Protection Officer of 88Money(HK)

 88hkad@gmail.com

 Changes to this privacy policy

 We may modify this privacy policy in the future. If you continue to log in to this website or use our services,you agree to the revised policy. This privacy policy was last revised on June 02,2021.

 These Chinese terms and conditions are translated into English.If there is any inconsistency or inconsistency between the Chinese and English versions,the English version shall prevail.

 88Money(HK)Legal Notice

 Legal Notices

 By using this website,you agree to the responsibilities and policy statements listed in it. If you continue to use this website after making amendments to these terms,you will be deemed to have accepted the amendments.

 General statement

 88Money(HK)("the company")only provides these products and services to regions that are legally permitted at that time. The company does not intend to provide the information on these web pages to people who are in or reside in areas where the company is legally restricted from distributing such information. Those who browse these webpages must understand and abide by the relevant restrictions on their own.

 It is illegal for these webpages to solicit or lobby any product or service to any person in any region,or if those soliciting or lobbying in such regions are not eligible or soliciting or lobbying such objects is illegal ,Then these pages should not be regarded as making such invitations or lobbying to such regions.

 The information contained in these webpages is not intended to be provided as professional advice,nor should it be relied upon as professional advice.Those who browse these webpages should seek appropriate professional advice when necessary.

 The company may at its discretion decide to withdraw or modify any information,products and services provided on this website at any time without prior notice. The company has the final decision and absolute discretion over your eligibility to use individual information,products and services.

 You are responsible for preventing,protecting and ensuring that your computer system and this website are not invaded by computer viruses.

 88Money(HK)copyright notice

 The content of this website,including(but not limited to all text),graphic images,drawings,pictures,photos and compilations of data or other materials are protected by copyright. 88Money(HK)is the owner of all copyrighted works on this website.Unless 88Money(HK)has obtained prior written authorization from 88Money(HK),copying,adapting,distributing,publishing or making such copyrighted works available to the public is strictly prohibited.

 To

 our service

 88Money(HK)provides free and independent online services,allowing you to compare banking and financial products provided by third parties.

 Our comparison service is free. We earn revenue by charging relevant third-party suppliers for advertising fees generated by potential customers/businesses.

 In addition,we also allow you to obtain offline help and support from us(for example,by phone)to obtain information related to the use of the service. You can also obtain support related to financial companies,banks,and alternative products or services from third parties. We will not charge you for this service.

 Please remember that nothing on the service should not be regarded as financial advice,recommendation or endorsement of a particular product or service,but should be relied upon. All the information contained in the service is for reference only,and you should not regard it as any advice we provide. Service information may help you choose the product or service that best meets your needs. However,if you conduct research,seek independent and professional advice and ensure the applicability of the product or service you are interested in,you need to bear the sole and absolute responsibility. In the end,whether you purchase any products or services in our services,this is the only absolute decision you make.

 Please remember that any content on the"Services"is not and should not be regarded as an invitation,inducement or suggestion for us or any third party to sell products or services to you or enter into a related contract with you. By providing us with your personal details,you are proposing to obtain quotations for related products or services from related third parties in accordance with related terms and conditions. The relevant third party reserves the right to make the final decision on whether to accept your proposal.

 We aim to provide you with uninterrupted access to current services. However,we cannot guarantee you the continued availability of the service. We have absolute right to suspend,restrict or terminate your access to the service at any time.

 We reserve the right to provide,modify,delete,edit,discontinue or revise the service and/or any data,content,materials or information displayed on the service at any time without notice. You agree that if you or any third party modify,suspend or terminate the service,we will not bear any responsibility.

 Mobile device service

 Services include certain services that can be provided through mobile devices,including(i)the ability to submit information to the service through a mobile device,and(ii)the ability to browse services and websites from a mobile device(collectively referred to as"mobile device services"). As long as you access the service through a mobile device,you may have to pay the standard fees,data rates,and other fees of the wireless service provider. In addition,operators may prohibit or restrict the use of certain mobile device services,and not all mobile device services are compatible with all operators or devices. By using the mobile device service and/or providing us with your mobile phone number through the service,you agree that we can send information about our products and services and/or to your mobile device via SMS,multimedia SMS,text messaging or other electronic means. Or service provider-related communications. Certain information related to the use of your mobile device may be communicated to us. If you change or disable your mobile phone number,you agree to immediately update the information you have submitted to us.

 with permission

 You are only allowed to access and use the service for personal or non-commercial purposes. This means that only private individuals can directly access and use the service,or that legal entities can look for products or services on behalf of that person or themselves. Access to and use of services other than those mentioned in this paragraph is strictly prohibited.

 In order to protect the safety and welfare of others and the integrity and security of our services,you agree that you will not use the service(or promote or support others to use the service)for the following purposes:

 Engage in or share things that violate these terms and conditions or any policies issued by us and applicable to the use of the service;

 In any illegal,fraudulent,improper,unauthorized,harassing,discriminatory,defamatory,insulting,threatening,harmful,vulgar,obscene or other offensive way,or in any way that may damage or destroy our rights(including intellectual property) Or benefit,or in all circumstances that we determine,damage or destroy the rights(including intellectual property)or interests of third-party providers,or in any way that may constitute a criminal offence or cause civil liability or violate laws and regulations;

 In any way that infringes or violates the rights of us or others;

 Change,modify,reverse assembly or reverse design any part of the service;

 Interfering with and destroying our communication and technical systems in some way,or causing unreasonable or disproportionately huge burdens,such losses can be determined by us;and/or

 Use any automatic computer code,process,program,robot,web crawler,spider program,data processing,etc.,to replenish or"grab on the screen"computer code,program,program or system,etc.

 Anyone who uses the service in any of the above-mentioned ways or engages in any of the above-mentioned activities violates these terms and conditions and should stop using the service immediately.

 You confirm that we may establish general practices and restrictions on the use of the service. You agree that we will not bear any responsibility for the deletion or loss of any data or other content maintained by the service or uploaded to the service. You further confirm that we reserve the right to change these general practices and restrictions at any time at our sole discretion without notice.

 Your responsibility

 If you need to contact us about the service,you agree to provide and maintain(if applicable)truthful,accurate and up-to-date information about you and/or any other person(such as family members,contacts or beneficiaries related to the product or service) And complete information. Any personal data or other information(including any information you provide related to your family)that you use our tools or forms or otherwise submit during your visit to the website,as well as information about you that may be automatically collected when you use the service Certain other information is subject to our privacy policy. By providing any information about another person(such as a family member,contact person,or beneficiary),you guarantee and guarantee that you have the right to act on behalf of that person(whether by appointment or through the application of law),and that you have obtained the necessary consent,you can We process their personal data in accordance with the provisions of our privacy policy.

 You must take necessary precautions to ensure that any data,content,material or information you submit or provide to us through the service("User Content")does not contain any viruses,spyware,malicious software,and may affect the service,our Content(described below)or third-party websites or any other technology that constitutes any content that has a polluting,harmful or destructive effect.

 You are responsible for your actions on the service and user content. You warrant that your user content does not infringe any privacy rights,ownership rights(such as copyright,information rights,and trademarks)or other rights of third parties(including confidentiality rights).

 In addition,your user content should not violate any laws. User content must not contain harmful,fraudulent,threatening,defamatory,embarrassing,distressing,infringing,insulting,inflammatory,intimidating,harassment,defamation,stalking,profanity,obscenity,obscenity,impropriety,hatred,discrimination or racial discrimination, Ethnic discrimination,sexual temptation,or content that is otherwise opposed or prohibited by any applicable laws or regulations. We reserve the right to investigate and take appropriate legal actions against anyone who we confirm to violate this provision,including but not limited to removing the offending content from the service,restricting such violators from accessing the service,and reporting the violator to a competent authority .

 When using our services,you must comply with all applicable laws and regulations. For your intentional,intentional,direct or indirect reasons caused by your violation of these terms and conditions,breach of contract or warranty,or related to your access and/or use of the service and/or related to or related to the accuracy of your submission and user content, You agree to bear full responsibility for any injury,loss,claim,requirement,liability or expense(including reasonable legal fees)related to act or omission,misrepresentation,or negligence.

 For the sake of dispelling doubts,you are responsible for:

 (i)If necessary,ensure and confirm that the credit card(or other payment method)being used is your credit card,or that you have been authorized by the credit card holder(or other payment method)to use the credit card;

 (ii)If necessary,ensure and confirm(including by providing identification or other supporting documents)that the phone number(or other receiving method)used to receive funds is yours;and

 (iii)Comply with the terms and conditions and charges set by any third-party service provider for the gateway payment service provided by it.

 You irrevocably agree to cause/and(i)your use and abuse of our services;(ii)your violation of any provisions of these terms and conditions;(iii)your infringement of any intellectual property rights;or(iv)any third party Any claims,liabilities,losses,indemnities and expenses(including reasonable legal fees)arising out of claims against us due to the events described in(i),(ii)or(iii)above,and indemnification of us damage.

 intellectual property

 You agree and acknowledge that the service may contain or display data,content,images,materials or information protected by copyright,trademark,patent,trade secret or other proprietary rights and laws("Content"),and is our property and/ Or the property of our third-party licensors. If you comply with the following conditions,you can print,copy,transfer or store excerpts of the content,materials or information displayed in the service,but only for personal use:

 The content may not be used for any business or commercial purposes without our written permission. Without our express written consent,such rights may not be sold,licensed or transferred to any third party.

 You may not modify or change any content on the service. Without our written permission,it is not allowed to extract,copy,publish,use,reformat and/or display for the benefit of other websites;

 The status of us and our licensors as authors of such data,content,materials or information should always be recognized;

 The images,logos,trademarks or service marks displayed on the service are our property or the property of our third-party licensors,and are protected by applicable copyright laws,trademark laws,privacy and publicity laws,and/or other intellectual property laws. Unauthorized use of images,logos,trademarks or service marks displayed on the service may violate applicable laws.

 All intellectual property rights,such as patents,trademarks,logos,Internet domain names,moral rights,data,supply codes,software,specifications,know-how,processes and business strategies in and related to the service(in all cases,whether or not Registered,including all rights for registration,and such content(including data or content displayed in the service),are owned by us and/or the licensor,and all such rights are reserved. These terms and conditions or our services do not imply,estoppel or otherwise grant you any license or right to use content in ways other than those expressly stated in these terms and conditions. Except as mentioned elsewhere in these terms and conditions,otherwise the intellectual property rights(including the data or content displayed)owned by us and our licensors in the service or related to the service,if we do not have our express written consent ,You are not allowed to use,copy,modify,publish,transmit,sell,extract,reverse design,copy,reformat or distribute.

 Permission to use your submission

 We encourage you to tell us how to improve our service. The service can facilitate you to send us questions,comments,suggestions,ideas,feedback or other information about the service through online forms,emails,social media or other channels("Submit"). By submitting to us or otherwise providing your submissions(including user content applicable to these purposes),you agree and acknowledge that your submissions are non-confidential,and grant us non-exclusive,unrestricted, Perpetual,irrevocable,transferable,sublicensable,royalty-free license,and can be used for any purpose,whether for commercial or other purposes,without confirming with you or providing compensation. However,personal data will only be used in accordance with our privacy policy.

 Liability exclusion

 We will make every effort to ensure that the information,materials,data and knowledge related to the service(including but not limited to information from third parties)are true,correct and accurate,and correct all errors or omissions as soon as possible after receiving the notice. However,we do not make any guarantee for the accuracy,correctness,reliability,timeliness or non-invasion of any information,materials or knowledge contained in the services provided on an"as is"and"available"basis,and we will not make any guarantees here. Any warranty,expressed or implied.

 We aim to provide you with uninterrupted service access. However,we do not guarantee or guarantee that the content or functions related to the service will not be interrupted or error-free,nor do we guarantee or guarantee that defects will be corrected,nor that the service and its servers will be free of any viruses and/or other harmful content .

 For any form of loss or damage directly or indirectly caused by the use or access to the service or the inability to use and access the service(including but not limited to any reliance on the content and/or due to or related to these terms and conditions) We are not liable for loss or damage,regardless of whether it occurred by contract,tort or other means,even if we have been aware of the possibility of such damage. We will not be liable for any indirect loss or damage that you encounter or assume or for unforeseen loss or damage due to your access and/or use of the service.

 Notwithstanding the foregoing provisions,nothing in these terms and conditions shall limit our liability for personal injury or death,fraud,etc.,nor shall it limit our liability for exclusions or limitations that are not allowed by applicable laws or regulations.

 You will be able to apply for various products and services through this website. Products and services are provided by third parties. You are solely responsible for the choice of products or services. For any direct or indirect loss or injury suffered or caused by the use of the service or any product or service received and/or purchased based on the use of the service,or any act,negligence,or negligence of any third party related to the product or service We are not responsible for errors or breach of contract. Please keep in mind that the data and descriptions of products and services on the service may not represent a complete description of all the options and terms and conditions of such products and services. You need to make sure to read all options and terms and conditions carefully before purchasing any product or service.

 Third Party Liability

 Our service may provide you with access to third-party websites. The views expressed on third-party websites do not represent our views. We are not responsible for the accuracy or content of any such opinions or expressions. The risks arising from the use of hyperlinks and access to such related websites are entirely borne by you.

 Your use of third-party websites is governed by the terms and conditions and privacy policies of that website. These terms and conditions and privacy policy may be completely different from our terms and conditions and our privacy policy. You are responsible for reading the terms and conditions and privacy policy of the third-party website before using the third-party website. We are not responsible for any losses caused or incurred by the terms and conditions or privacy policies of third-party websites,or any acts,omissions,errors,or breaches of contracts by third parties due to their terms and conditions and/or.

 For your convenience,we provide hyperlinks to other websites. Under no circumstances shall we be associated or connected in any way with any trademarks or service marks,logos or badges that appear on third-party websites.

 Services can be provided or third parties can provide links or other access rights to other sites and resources on the network. Under no circumstances will we assume any responsibility for the content or materials of third parties(including users)that appear on the service(including but not limited to errors or omissions in any content,or any type of loss caused by the use of such content) Or damage).

 jurisdiction

 The service is controlled and operated in Hong Kong. These terms and conditions,as well as any non-contractual obligations arising from or related to these terms and conditions,will be governed by Hong Kong law,and you irrevocably agree to submit to the exclusive jurisdiction of the Hong Kong courts.

 Complaint procedure

 We aim to provide all customers with a high level of service and satisfaction,but if you want to have any complaints about your service,please contact us at 36872608 or write to:

 Causeway Bay,Hong Kong

 Room 1502-1503,15th Floor,No.88 Xingfa Street

 Regarding the handling of complaints,our working hours are from 9 am to 6 pm,Monday to Friday,except public holidays.

 We cannot respond to complaints on behalf of third-party product or service providers,nor can we accept or assume responsibility for any such complaints. We recommend that you visit the website of the product or service provider.If you want to complain to them,please follow their complaint procedures.

 If you have any questions or complaints about personal data,you can contact the Privacy Commissioner for Personal Data through one of the following channels:

 Privacy Commissioner for Personal Data

 Wanchai

 248 Queen's Road East

 Room 1303,13th Floor,Sunshine Center