HSBC Credit Center, INC.
MEMBER HSBC GROUP
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 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 |
Yes | Yes |
| For affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | Yes | Yes |
To limit our
sharing
- Call 1-800-295-4819 - our menu will prompt you through your choice(s).
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Questions?
Call 1-800-295-4819.
| 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 | |
|---|---|
| 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:
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
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. |
| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account. |
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
| Nonaffiliates | 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
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 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.
Notice to customers with credit-related insurance products
Household Life Insurance Company and its insurance affiliates collect demographic information (such as your name or address) and information related to insurance (such as health information) to administer your insurance. This information comes either from you, HSBC, a credit report, or a Medical Information Bureau report. Household Life Insurance Company and its insurance affiliates do not disclose information about you to affiliates or to third parties, except as permitted by law, such as for servicing, fraud prevention, verification of coverage, or regulatory reviews. You have a right to see personal information collected about you and the right to correct any information, which may be wrong, by writing to us at the following address: Insurance Customer Service Operations, 90 Christiana Rd., New Castle, DE 19720.
Special notice for residents of California
HSBC does not share your information with affiliates or nonaffiliates, except as permitted or required by applicable law.
Special notice for residents of Vermont
HSBC does not share your information with affiliates, other than information relating to your account transactions and our experiences with you, except as permitted or required by applicable law. Also, HSBC does not share your information with nonaffiliates, except as permitted or required by 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.
Click here† to access a printable version of the HSBC Credit Center Inc. Privacy Notice
Revised: May, 2011
Online Privacy Practices
Our website offers you the opportunity to view your current account information and make payments 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 online profiling to help us better understand your individual financial needs. This information does not identify you personally unless you voluntarily give us personal information while online.
We 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 information can include: date/time of banner ad shown, their cookie, and IP address. They do not collect personally identifying information. This information can also be used for online preference marketing purposes. Information about your visits to this and other Web sites may be used to provide ads about goods and services of interest to you. If you would like more information about this practice or to opt-out of these cookies, please visit the Network Advertising Initiative Opt-Out Tool.
In order to develop our website in line with customer needs we work with WebTrends to track usage on our website. WebTrends provide 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.
Last Revised: December, 2010
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