United States - HSBC Mortgage Services

Privacy Notice


FACTS

WHAT DOES HSBC DO WITH YOUR
PERSONAL INFORMATION?

Why?

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.

What?

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.

How?

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
Yes No
For our marketing purposes –
to offer our products and services to you
Yes No
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes–
information about your transactions and experiences
Yes No
For our affiliates' everyday business purposes–
information about your creditworthiness
No We don't share
For affiliates to market to you No We don't share
For nonaffiliates to market to you No We don't share

Questions?

HSBC Mortgage Services 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.

Definitions
Definitions
Affiliates

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.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we share with can include financial services providers (such as mortgage bankers, insurance agents or a re-insurer) or they may be nonfinancial companies such as retailers or marketing companies or service providers.
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include companies such as insurance and financial service providers.

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

Beneficial Financial I Inc. is licensed and examined under the laws of the State of Texas and by state law are subject to regulatory oversight by the Office of Consumer Credit Commissioner. Any consumer wishing to file a complaint against the lender should contact the Office of Consumer Credit Commissioner by: calling the Consumer Credit Hotline at (800) 538-1579; through fax at (512) 936-7610; or by writing or visiting the Office of Consumer Credit Commissioner at 2601 North Lamar Boulevard, Austin, Texas 78705-4207. E-mail: consumer.complaints@occc.state.tx.us. Web site: www.occc.state.tx.us.

HSBC Legal Entities

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.

Click here† to access a printable version of the HSBC Mortgage Services Privacy Notice

Revised: May, 2013


Online Privacy Practices

Our Website offers you the opportunity to view your current account information and perform transactions online, in addition to providing general information about our company and products. You may also view our Privacy Notice when you visit our Website.

To help us learn which products, services and sections of our Websites interest you, and to improve your experience, we use "cookies." Cookies are small files that our web server places on your hard drive to track activity on the Website during a browsing session, and across multiple sessions. We also use cookies to "remember" which online service you last logged into, so that we can pre-select that service on your next visit.

The cookies we set contain no personal information. HSBC Cookies can only track activity on our Website and cannot be read by any non-HSBC Websites.

We may also use information about your relationship with us to help us better understand your individual financial needs while you are on our Website. This information does not identify you personally unless you voluntarily give us personal information while online such as setting up your online account.

We may use third party advertising companies to serve ads on our behalf across the Internet. These third-party advertising companies employ cookie and 1x1 pixel.gif (web beacon) technology to measure and improve the effectiveness of ads for their clients. To do so, these companies may use anonymous information about your visits to our Website and other Websites. This anonymous information can include: date/time of banner ad shown, their cookie, and IP address. They may also collect personally identifying information while you are on their Website(s). This information could be used for online preference marketing purposes. Information about your visits to this and other Websites may be used to provide ads about goods and services of interest to you. From time to time, there may be other third parties that may collect personal information about your online activities while on this and other Websites and use this for purposes beyond our knowledge and control.

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. We do 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 online interest based advertising purposes by going to these sites to Opt-Out: http://www.networkadvertising.org/choices/ or http://www.aboutads.info/choices/.

In order to develop our Website in line with customer needs we work with WebTrends to track usage on our Website. WebTrends provides us with statistics to show us which pages on our Website are visited most frequently and how long visitors spend on our site. We use this information to help us plan how we should improve the site.

WebTrends uses a cookie to track the number of unique users of the site. It basically tells us whether we have a small number of regular visitors to the site or a large number of infrequent visitors. None of the information can be traced to an individual - we do not know who you are as a unique user, merely that there are a certain number of people using the site. You should refer to the WebTrends On Demand Privacy Policy to learn how they collect and use information.

Keeping your account information up-to-date is very important. If you believe that your account information is incomplete, inaccurate or otherwise not current, please contact us through the Customer Service section on this Website. If you prefer to manage your request offline, you may call or write to us at the telephone numbers and addresses provided on your account statements.

If we make updates to our Online Privacy Practices, we will update this Statement with the changes and update the "last revised" 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 this site following the update to the Statement means that you accept the updated Statement.

Last Revised: March, 2014

† Viewing PDF files require the use of Adobe Acrobat Reader. If you do not already have Adobe Acrobat Reader, you can download it online. After downloading the software, follow the instructions for installing the program. If you prefer, you can always download the files now and open them offline later.

To download the Reader to your computer, click the Adobe button. Adobe Acrobat Reader Logo

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