United States - HSBC Mortgage Services

Terms and Conditions


The following terms and conditions govern the use of this website, an electronic service that permits you to apply for credit and obtain information about credit offered by HSBC Mortgage Services Inc.

Copyright and Other Intellectual Property:
HSBC Mortgage Services Inc. or its corporate parents, affiliates, or subsidiaries ("HSBC") maintains this web site and certain other web sites that are linked to this site, and is the owner or the authorized user of all text, images, graphics, photos, animation, music, sounds and other materials contained within these web sites. The materials contained within these web sites, including, without limitation, any copyrights, trademarks, service marks, and all other proprietary materials, are protected by the U.S. and international copyright laws and treaty provisions, trademarks laws, and other proprietary rights laws. HSBC also owns a copyright in the selection, coordination and arrangement of the material contained within these web sites.

The material contained within these web sites is provided by HSBC only for lawful uses by customers, employees, and members of the general public. The material may not be copied, republished, incorporated into another web site or reproduced (whether by linking, framing, or any other method), transmitted, distributed, uploaded, posted, used to create a derivative work or exploited in any other way without the express written consent of HSBC.

Limited Liability: NEITHER HSBC MORTGAGE SERVICES INC., ITS PARENT, AFFILIATES OR SUBSIDIARIES, OR ANY OTHER PARTY INVOLVED IN THE CREATION, PRODUCTION OR DELIVERY OF THE INFORMATION AT THIS SITE, NOR THE OFFICERS, DIRECTORS, EMPLOYEES OR REPRESENTATIVES OF ANY OF THE FOREGOING, ARE LIABLE IN ANY WAY FOR ANY INDIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL, OR INDIRECT DAMAGES (INCLUDING WITHOUT LIMITATION LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY) ARISING OUT OF OR IN CONNECTION WITH THIS SITE OR THE USE OF THIS SITE OR A LINKED SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE OR A LINKED SITE, WHETHER OR NOT HSBC IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES, TROJAN HORSES OR HARMFUL CODE THAT MAY AFFECT A USER'S EQUIPMENT, ANY INCOMPATIBILITY BETWEEN THIS SITE'S FILES AND THE USER'S BROWSER OR OTHER SITE ACCESSING PROGRAM. FAILURE OF ANY ELECTRONIC OR TELEPHONE EQUIPMENT, COMMUNICATION OR CONNECTION LINES, UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, OR ANY FORCE MAJEURE. HSBC MORTGAGE SERVICES INC. DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THIS SITE OR A LINKED SITE. THE CONTENT, ACCURACY, OPINIONS EXPRESSED, AND OTHER LINKS PROVIDED BY THE LINKED SITES ARE NOT INVESTIGATED, VERIFIED, MONITORED OR ENDORSED BY HSBC. THE INFORMATION, SOFTWARE, PRODUCTS AND DESCRIPTION OF SERVICES PUBLISHED ON THE SITE OR A LINKED SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS, AND HSBC SPECIFICALLY DISCLAIMS ANY LIABILITY FOR SUCH INACCURACIES OR ERRORS. CHANGES ARE PERIODICALLY MADE TO THE INFORMATION ON THE SITE AND LINKED SITES. HSBC MAY MAKE IMPROVEMENTS OR CHANGES TO THE SITE AT ANY TIME.

NO WARRANTIES: ALL PRODUCTS, SERVICES AND CONTENT ON THIS 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. NEITHER HSBC MORTGAGE SERVICES INC. NOR ITS PARENT, AFFILIATES OR SUBSIDIARIES ENDORSES AND NONE ARE RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY INFORMATION ON THIS SITE. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, RELIABILITY, TIMELINESS AND COMPLETENESS OF ANY INFORMATION AVAILABLE ON THIS SITE. HSBC SPECIFICALLY DISCLAIMS ANY DUTY TO UPDATE THE INFORMATION ON THE SITE.

USER AGREES TO INDEMNIFY, DEFEND, AND HOLD HSBC HARMLESS FROM ANY LIABILITY, LOSS, CLAIM AND EXPENSE, INCLUDING ATTORNEY'S FEES RELATED TO A USER'S VIOLATION OF THESE TERMS OF USE OR THE USE OF THE SERVICES AND INFORMATION PROVIDED AT THIS SITE.

Links: Clicking on certain links within this web site or certain other web sites that are linked to this web site may take you to other web sites, or may display information on your computer screen from other web sites, which are not maintained by HSBC. Such web sites may contain terms and conditions, privacy provisions, confidentiality provisions, or other provisions that differ from the terms and conditions applicable to this web site. Links to other Internet services and web sites are provided solely for the convenience of users. A link to any service or web site is not an endorsement of any kind of the service or web site, its content, or its sponsoring organization.

HSBC MORTGAGE SERVICES INC. AND ITS CORPORATE PARENTS, AFFILIATES, AND SUBSIDIARIES ASSUME NO RESPONSIBILITY OR LIABILITY WHATSOEVER FOR THE CONTENT, ACCURACY, RELIABILITY OR OPINIONS EXPRESSED IN A WEB SITE, 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.

Children: HSBC does not knowingly market to, or solicit or collect personal information from children under the age 18.

Confidentiality of Information: HSBC has taken reasonable steps to ensure the confidentiality of information taken at this website and transmitted via the Internet. Nevertheless, the Internet brings certain risks that should be recognized and guarded against. We use industry standard security technology and practice to safeguard your accounts from unauthorized access. However, you too play a part in protecting your accounts. When you register and are accepted as a registered user of this website, you are asked to choose a unique user name and password. Please use caution to keep your user name and password confidential. If your user name or password is subject to unauthorized access, you should immediately inform HSBC. In addition, unexpected changes in technology may be used by unauthorized third parties to intercept confidential information and we cannot be responsible should confidential information be intercepted and subsequently used by an unintended recipient.

Information and Cookies: HSBC may collect and receive the URL you came from, the pages of this website that were viewed during a visit, the advertisements you clicked, any search terms that you entered to reach our site, and certain other information regarding your internet use. See HSBC Mortgage Services Inc.'s Privacy Statement for how this information may be used. Some of HSBC's websites may also make use of "cookie" technology to measure site activity, determine how you arrived at our site and maintain your identity as you navigate through the website. HSBC Mortgage Services Inc.'s websites require cookies to allow you to view your statements and transactions online. A cookie is an element of data that a website can send to your browser, which may then store the cookie on your hard drive. Cookies make visiting a website easier for you by saving your preferences while you are at the site. The use of cookies is an industry standard and you will find them at many websites. HSBC Mortgage Services Inc. uses the information from cookies to provide services that are customized to your needs.

Choice of Law: All website activity or use and these Terms and Conditions are governed by the laws of the United States of America and the laws of the State of Illinois, without regard to conflict of law principles.

Website Content and Material: The information and materials contained in this website, including but not limited to these Terms and Conditions and any product information, are subject to change without notice. Users are deemed to be apprised of and bound by any such changes. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by HSBC.

Waiver and Severability: Any waiver of any provision contained in these Terms and Conditions shall not be deemed to be a waiver of any other right, term or provision of these Terms and Conditions. If any provision in these Terms and Conditions shall be or become wholly or partially invalid, illegal or unenforceable, such provision shall be enforced to the extent it is legal and valid and the validity, legality and enforceability of the remaining provisions shall in no way be affected or impaired thereby.

Access to Secured Areas: Access to and use of password protected and/or secure areas of this web-site is restricted to authorized users only. Unauthorized persons attempting to access these areas of the website may be subject to prosecution.

Updates: These Terms and Conditions were last updated July 3, 2013. Please check periodically for changes.

State Disclosures:

Arizona: Household Realty Corporation, Mortgage Banker License No. BKBR0105201.

California: Household Finance Corporation of California, Department of Corporations Finance Lenders License No. 6071284, and/or HSBC Mortgage Services Inc., Department of Corporations Finance Lenders License No. 6031790, and/or HSBC Mortgage Services, Inc., Licensed by the Department of Corporations under the California Residential Mortgage Lending Act, License No. 8135641.

Georgia: Household Realty Corporation, Mortgage Lender License No. 5888, and/or HSBC Mortgage Services, Inc., Mortgage Lender Registration No. 7012, 636 Grand Regency Boulevard, Brandon, FL 33510.

Illinois: HSBC Mortgage Services Inc., 636 Grand Regency Boulevard, Brandon, FL 33510, Residential Mortgage License No. MB.0004305.

Massachusetts: HSBC Mortgage Services Inc., Mortgage Lender License No. ML2621.

Mississippi: HSBC Mortgage Services Inc., Mississippi Registered Mortgage Company, Certificate No. 17/2004.

New Hampshire: HSBC Mortgage Services Inc. (NMLS Registry No 2510). Licensed by the New Hampshire Mortgage Banking Department, Mortgage Banker License #10627-MB.

New Jersey: Household Finance Corporation III is licensed by the New Jersey Department of Banking and Insurance.

New York: HSBC Mortgage Services Inc. holds Mortgage Lender and Servicer License No. 2510 effective June 3, 2011 at its principal office at: 636 Grand Regency Boulevard, Brandon, Florida 33510. Please see below for the schedule of fees that are charged to New York borrowers in conjunction with the servicing of their loan.

North Carolina: HSBC Mortgage Services Inc. NMLS ID#2510 Mortgage Lender License #L-118146.

Ohio: HSBC Mortgage Services Inc., Certificate No. SM228, Household Realty Corporation, Certificate No. SM8506, Beneficial Financial I Inc., 636 Grand Regency Boulevard, Brandon, FL 33510.

Pennsylvania: Household Realty Corporation, licensed pursuant to the Secondary Mortgage Loan Act.

Virginia: Real Estate Loans are serviced by HSBC Mortgage Services Inc., a Virginia State Corporation Commission Licensee, License Number MC-3772 and NMLS ID#2510.

Washington: Loans are serviced by HSBC Mortgage Services Inc. NMLS ID#2510 Consumer Loan License #520-CL-24990.

New York Schedule of Fees:

HELOC Maintenance Fee: The subsequent maintenance fee is assessed automatically when the account is in an open status with an active credit line on the accounts annual anniversary date.

     Real Estate Secured Loans: As contracted

Late Fees: A fee charged when the payment is not received on time.

     Real Estate Secured Loans Subject to New York Late Fee Requirements: 2% of the unpaid      amount of the installment, 15 day grace period.

     Real Estate Secured Loans Not Subject to New York Late Fee Requirements: As contracted

Non - Sufficient Funds (NSF) Fees: A fee charged if a payment is returned as unpaid by the payor's financial institution for any reason.

     Real Estate Secured Loans: $20.

Lien Release Fees: A fee charged by the appropriate local governmental office to record a release of lien for the mortgaged property - the fee varies by the locale in which the property is located.

Default Fees: A fee associated with the collection of a defaulted loan. Debtor is assessed the actual fees charged by third parties.

Fees listed represent those that are currently being assessed to borrowers. Fee listing is subject to periodic updates.

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