United States - HSBC Mortgage Services

Privacy Notice




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
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


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.

  • 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., Household Finance Corporation III, HSBC Credit Center Inc., HSBC Mortgage Services Inc. are 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 1-800-538-1579; through fax at 512-936-7610; or by writing or visiting the Office of Consumer Credit Commissioner at 2601 North Lamar Blvd, Austin, TX 78705-4207. E-mail: consumer.complaints@occc.state.tx.us. Web site: www.occc.texas.gov.

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., 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

Revised: May, 2015

Online Privacy Statement

HSBC is committed to protecting the privacy of our customers and visitors (collectively, "you") when using HSBC websites, mobile applications, channels, pages, or accounts HSBC operates on social media sites (e.g. Twitter), and any other online interactions you may have with us (collectively "Digital Services"). This U.S. Online Privacy Statement ("Statement") explains how we collect, use, share, and safeguard your information when you interact with HSBC Bank USA, N.A., its banking and non-banking U.S. affiliates and subsidiaries and service providers (collectively, "HSBC USA", "we", "our"). This includes visiting any Digital Services owned and controlled by HSBC USA, receiving our e-mails and viewing our ads on third-party sites and other devices that link to this Statement. All of these activities are subject to the terms of the Statement except where a different online and/or mobile statement is posted indicating that it is intended to take the place of this Statement.

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.


Last Updated: December, 2014

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This information is not intended to provide professional advice and should not be relied upon in that regard. Persons accessing these pages are advised to obtain appropriate professional advice where necessary.