rev. May 2016
WHAT DO THE HSBC COMPANIES (SEE BELOW LIST, COLLECTIVELY "HSBC") DO WITH YOUR
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and income
- Account balances and payment history
- Credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons HSBC chooses to share; and whether you can limit this sharing.
Reasons HSBC can share your personal information
|Reasons we can share your personal information
||Does HSBC share?
||Can you limit this sharing?
|For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
|For our marketing purposes –
to offer our products and services to you
|For joint marketing with other financial companies
||We don't share
|For our affiliates' everyday business purposes–
information about your transactions and experiences
||We don't shrare
|For our affiliates' everyday business purposes–
information about your creditworthiness
||We don't share
|For affiliates to market to you
||We don't share
|For nonaffiliates to market to you
||We don't share
HSBC Mortgage Services Inc. customers call 1-800-333-7023.
HFC, Beneficial, and All Other customers call 1-800-365-0175.
Who we are
|Who we are
|Who is providing this notice?
The HSBC family of consumer financial companies that utilize the names HSBC, Beneficial, Household, Mortgage One, Mortgage Two, and Capital Financial Services. See other important information for a complete list of entities providing this notice.
What we do
|What we do
|How does HSBC protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
Also, we only allow employees, authorized service providers and other parties as required or permitted by law to access your information.
|How does HSBC collect my personal information?
We collect your personal information, for example, when you:
- apply for a loan or open an account
- pay your bills or file an insurance claim
- give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
|Why can't I limit all sharing?
Federal law gives you the right to limit only
- sharing for affiliates' everyday business purposes–
information about your creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Our affiliates include companies with an HSBC name and financial companies such as Household, Beneficial and HFC.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Other important information
HSBC companies and affiliates with access to your personal information may be
located in countries other than where you reside, including but not limited to
the United Kingdom and India.
Special notice for residents of California or Vermont
HSBC does not share your information with affiliates or nonaffiliates, except
as permitted or required by applicable law.
Special notice for residents of Texas
For questions or complaints about the loan, contact Beneficial, HFC, HSBC Credit Center Inc, HSBC Mortgage Services, Inc. at the phone number listed above or by mail at P.O. Box 1231, Brandon, FL. 33509-1231. Beneficial Financial I Inc., Household Finance Corporation III, HSBC Credit Center Inc, HSBC Mortgage Services, Inc. are licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the lender, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. E-Mail: email@example.com.
This Privacy Notice applies to Household Finance Corporation of Alabama,
Household Finance Corporation of California, Household Finance Industrial Loan
Company of Iowa, Household Finance Corporation II, Household Finance Corporation
III, Household Finance Realty Corporation of Nevada, Household Industrial Loan
Company of Kentucky, Beneficial Financial I Inc., Household Industrial Finance
Company, HSBC Mortgage Services Inc., Household Realty Corporation, Household
Finance Corporation of Nevada, Household Finance Realty Corporation of New York,
Household Finance Consumer Discount Company, Household Financial Center Inc.,
Mortgage One Corporation, Household Finance Corporation of West Virginia,
Mortgage Two Corporation, Beneficial Credit Services of Connecticut Inc.,
Beneficial Credit Services of Mississippi Inc., Beneficial Credit Services of
South Carolina Inc., Beneficial Credit Services Inc., Beneficial Connecticut
Inc., Beneficial Consumer Discount Company, Beneficial Florida Inc., Beneficial
New York Inc., Beneficial Homeowner Service Corporation, Beneficial Loan &
Thrift Co., Beneficial Louisiana Inc., Beneficial Maine Inc., Beneficial
Management Corporation of America, Beneficial Massachusetts Inc., Beneficial
Michigan Inc., Beneficial New Hampshire Inc., Beneficial Oregon Inc., Beneficial
Rhode Island Inc., Beneficial South Dakota Inc., Beneficial Tennessee Inc.,
Beneficial West Virginia Inc., Beneficial Wyoming Inc., Beneficial Mortgage
Corporation, HSBC Credit Center Inc., Capital Financial Services Inc.,
Beneficial Kentucky Inc., HSBC Home Equity Loan Corporation I, HSBC Home Equity Loan Corporation II,
Household Pooling Corporation, HSBC Bank USA, N.A.
Click here † to access a printable version of the HSBC Mortgage Services Privacy Notice
Online Privacy Statement
HSBC is committed to protecting your privacy when you use HSBC Digital Services. This U.S. Online Privacy Statement ("Statement") explains how we collect, use, share, and safeguard your information when you use our Digital Services.
HSBC = HSBC Bank USA, N.A., its banking and non-banking U.S. affiliates and subsidiaries and service providers (collectively, "HSBC USA", "we", "our").
You/Your = Customers and visitors (including their agents and representatives).
Digital Services = Our websites, mobile applications, channels, pages, or accounts we operate on social media sites (e.g. Twitter), and any other online interactions you may have with us.
Use of our Digital Services = Visiting any Digital Services owned and controlled by us, receiving our e-mails and viewing our ads on third-party sites and other devices that link to this Statement; using our Digital Services to access your accounts, our Click-to-Chat service, conduct online transactions, etc.
When you visit our Digital Services, read our e-mails or interact with us on third-party sites, you are consenting to the terms of this Statement, except where a different online and/or mobile statement is posted indicating that it is intended to take the place of this Statement.
This policy is intended for residents of the United States and its territories. If you are not a resident of the United States or its territories, your information may be transferred or processed outside of your home country, including in the United States and its territories.
What Information We Collect
We may collect basic types of information from you through Digital Services as described below.
- "Personal information" refers to information that identifies (whether directly or indirectly) a particular individual, such as information you provide on our forms, surveys, remote deposit capture off your device, applications or similar online fields. Examples may include your name, postal address, unique device identifier, email address, telephone number, Social Security number, date of birth or account information.
- "Anonymous information" means information that cannot reasonably be used to identify a particular individual. Examples may include information about your Internet browser, IP address, information collected through tracking technologies, demographic information that you provide to us (e.g., your household income) and aggregated or de-identified data.
- "Location information" means information that may be collected by certain mobile applications that identifies your physical location. This information may be collected from your mobile device's location-aware features when you request certain services that are dependent on your physical location.
- "Biometric information" means information such as your fingerprint or voice that you choose to provide to us for authentication and fraud prevention purposes. We will not collect your fingerprint or voice without your permission.
How We Use Your Information
We may use your online information or combine with other information to:
- personalize your Digital Services experience;
- respond to your inquiries and fulfill your requests;
- deliver marketing communications we believe may be of interest to you;
- inform you about important information regarding Digital Services, products or services, changes to terms, conditions, and policies and/or other administrative information;
- allow you to apply for products or services (e.g., to prequalify for a mortgage, apply for a credit card, or to open a retirement account, investment account or other financial product), process transactions, and evaluate your eligibility for such products or services;
- verify your identity, authenticate you to use our Digital Services and verify your location
- allow you to participate in surveys and other forms of market research, sweepstakes, contests and similar promotions and to administer these activities. Some of these activities have additional rules, which may contain additional information about how Personal Information is used and shared;
- allow you to use Digital Services financial planning tools. Information that you enter into one of these planning tools may be stored for future access and use. You have the option not to save the information by not using these tools or by not accepting the site cookies through your browser which can limit the site functionality;
- perform activities such as data analysis, audits, usage trends to determine the effectiveness of our campaigns and as input into improving products and services and enhancing our Digital Services;
- improve risk control for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements;
- allow you to utilize Digital Services features by granting us access to information from your device such as contact lists, or geo-location when you request certain services;
- use it in other ways as required or permitted by law or with your consent.
How We Share Your Information
We may share your information with our affiliates and third parties. For example, we may share your information with:
- HSBC USA affiliated Digital Services and businesses in an effort to bring you improved service across our family of products and services, when permissible under relevant laws and regulations;
- HSBC USA third-party service providers who perform services for us and help us operate our business;
- other companies to bring you co-branded services, products or programs;
- third parties or affiliates in connection with a corporate transaction, such as a sale, consolidation or merger of HSBC USA businesses;
For U.S. customers, we will use and share information that we collect from or about you in accordance with the Customer Privacy Notice for your account (see links on this page), which provides choices in the use and sharing of information.
As a global company, we may share your personal information among HSBC USA affiliated Digital Services and businesses or service providers that may be located outside your home country in order to provide you with the highest quality products and services.
We may share Anonymous or aggregated information with third parties to help deliver products, services, and content which is better tailored to the users of our Digital Services and for other purposes.
Use of Aggregation Tools through HSBC Digital Services
If you use any of our money management tools or other online aggregation services, we collect information about the accounts and relationships including registration information such as your name and e-mail address. We also collect information about the accounts designated for the money management tools, such as account balances, transactions, transaction histories, e-mail information, bills, payment history and other account activity. We will not disclose any information about you we obtain solely through money management tools to any non-affiliate, except as needed to provide our money management tools, or as required or permitted by law. We may use this information to offer you other HSBC products and services that may be beneficial to you. Refer to the money management tools section of the Personal Internet Banking Terms and Conditions for further details.
Cookies & Other Technologies
"Log files" are files that anonymously log actions that have occurred on a website. We may use log files to gather statistics about your browsing habits and to assess overall digital activity, including how many "hits" a particular web page is getting. Log files enable us to track interest in specific promotions, troubleshoot technical concerns, and provide content that may be of interest. We also use the log file entries for our internal marketing and demographic studies, so we can improve the Digital Service we provide to customers and visitors. Log files are used internally only, are anonymous, and are not associated with any particular user, device, computer, or browser.
"Web beacons" are small pieces of data that are embedded in images on the pages of our Digital Services. We also use these technical methods to analyze the traffic patterns on our websites, such as the frequency with which consumers visit various parts of our websites. These technical methods may involve the transmission of information either directly to us or to another party authorized by us to collect information on our behalf. We also use these technical methods in (HTML) emails that we send to determine whether the recipients have opened those emails or clicked on links in those emails. The information from these technical methods may be collected in a form that is personally identifiable.
Behavioral Advertising/Online Tracking
Information about your online activities, combined with other information, may be used to select an advertisement for a product, service, or offer that matches your interests. This advertising practice is called online behavioral advertising (OBA) or interest-based advertising. We allow you to exercise choice regarding the collection of information by third parties about your online activities over time and across third-party websites or online services for interest-based advertising purposes by going to these sites to opt-out: Network Advertising Initiative or Digital Advertising Alliance. Opting out means you will still receive online advertising but the advertising will not be tailored to your online behavior or usage.
We do not respond to web browser 'do not track' signals at this time. We await the result of work by the policy community and industry to determine when such a response is appropriate and what form it should take.
In order to develop our other Digital Services you may use, in line with customer needs, we work with third parties to track usage within our Digital Services. These third parties provide us with statistics showing which pages are visited most frequently and how long visitors spend on each page, and other anonymous Digital Services information. We use this information to help us plan how to improve these services.
Clicking on certain links within our Digital Services may take you to other websites, or may display information on your computer screen or device from other sites, which may not be maintained by HSBC. Such sites may contain terms and conditions, privacy provisions, confidentiality provisions, or other provisions that differ from the terms and conditions applicable to our Digital Service. Links to other Internet services and websites are provided solely for the convenience of users. A link to any service or site is not an endorsement of any kind of the service or site, its content, or its sponsoring organization.
HSBC AND/OR HSBC MEMBERS ASSUME NO RESPONSIBILITY OR LIABILITY WHATSOEVER FOR THE CONTENT, ACCURACY, RELIABILITY OR OPINIONS EXPRESSED IN A WEBSITE, TO WHICH THIS SITE IS LINKED (A "LINKED SITE") AND SUCH LINKED SITES ARE NOT MONITORED, INVESTIGATED, OR CHECKED FOR ACCURACY OR COMPLETENESS BY HSBC. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, RELIABILITY, TIMELINESS AND COMPLETENESS OF ANY INFORMATION AVAILABLE ON A LINKED SITE. ALL PRODUCTS, SERVICES AND CONTENT OBTAINED FROM A LINKED SITE ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY, OR ACCURACY.
We take our responsibility to protect your information very seriously. We use physical, technical, and procedural safeguards that comply with applicable legal standards to secure your information from unauthorized access and use, alteration, and destruction. Refer to the Security footer link below.
Social Security Number Protection Policy
HSBC USA, in the normal course of business and as required by law, may collect Social Security numbers to help establish, maintain and service customer accounts. We implement reasonable measures to protect and limit access to these Social Security numbers, as well as prohibit their unlawful disclosure. Social Security numbers are classified as "Restricted" information under the HSBC North America Information Security Risk Policy and HSBC Information Classification Policy. As such, Social Security numbers may only be accessed by and disclosed to HSBC USA team members and others with a legitimate business "need to know" in accordance with applicable laws and regulations.
HSBC USA may provide an experience on social media platforms including, but not limited to, Facebook, Twitter, YouTube and LinkedIn that may enable online sharing and collaboration among users who have registered to use them. Please note that when visiting any official HSBC USA social media site, you are subject to this Online Privacy Statement as well as the social media platform's own terms and conditions. Refer to the HSBC Social Media Terms and Conditions for more information.
Children's Online Privacy Protection Act
Our Digital Services are not directed to children. We do not knowingly solicit or collect personal information from children under the age 13, without parental consent.
Updating Your Information
Keeping your account information up-to-date is very important. If you believe that your account information is incomplete or inaccurate, please contact us through our Customer Service page. If you prefer, you may call or write to us at the telephone numbers and addresses provided on your account statements, or you may speak directly with a branch representative, or your designated relationship manager.
Changes to this Online Privacy Statement
If we make updates to our U.S. online privacy practices, we will update this Statement with the changes and update the "last updated" date posted at the bottom of the Statement. Any updates to the Statement become effective when we post the updates on this site. Your use of our Digital Services following any update to the Statement means that you accept the updated Statement and consent to the use and sharing provisions identified in the Statement.
HSBC USA Digital Services are intended for customers and visitors in the United States. When we process personal data and information and personally identifying information in the United States, we follow United States data protection and privacy regulations.
Last Updated: May, 2016
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