For general banking enquiries, you are free to use H A R O no matter you have logged on or not. However, you are requested to log on Personal e-Banking to continue some specific banking services on H A R O, for example, Credit Card and Integrated Account enquiry, Transfer, Credit Card repayment, Bill Payment Service and Foreign Exchange.
After logging onto Personal e-Banking, H A R O may request personal information from you when you submit dedicated forms or instruct it to perform account enquiries and transactions. It may access your account and personal information stored at Hang Seng Bank for tackling account enquiries and transactions instructed by you and for the purpose of providing banking services. H A R O will not access or record your Personal e-Banking username and passwords.
If you are using H A R O WhatsApp, you do not need to log on or provide any personal information.