United States - HSBC Mortgage Services

Privacy Notice

rev. May 2017




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 No We don't share
For our affiliates' everyday business purposes–
information about your transactions and experiences
No We don't shrare
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, and Household. See HSBC Companies section 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.

Joint marketing

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: consumer.complaints@occc.texas.gov.

HSBC Companies

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 Realty Corporation of New York, Household Finance Consumer Discount Company, Household Financial Center Inc., Household Finance Corporation of West Virginia,Beneficial Consumer Discount Company, Beneficial Florida Inc., Beneficial Homeowner Service Corporation, Beneficial Loan & Thrift Co., Beneficial Louisiana Inc., Beneficial Maine Inc., 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., HSBC Credit Center Inc., Beneficial Kentucky Inc., HSBC Home Equity Loan Corporation II, 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.


Last Updated: May, 2016

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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.