HFC Company, LLC and Beneficial Company, LLC and Beneficial Financial I Inc. ("HSBC") is proud to be part of a financial services organization that has been providing superior products and services for more than 150 years. We greatly appreciate the trust that you and millions of customers have placed in us, and we protect that trust by continuing to respect the privacy of all our applicants and customers even if our formal customer relationship ends.
This Privacy Statement illustrates our commitment to your privacy and explains our privacy practices to help you understand how we protect and use your information.
We may change our privacy practices at any time as permitted by law, and if we do so we will provide you with notice as required. If you have selected a credit-related insurance product, the Privacy Statement applicable to that credit insurance product is set forth at the end of this Privacy Statement.
It is important for you to know that in order to ensure that our customers get the very best service and the highest quality products, and to develop new products, HSBC collects demographic information (like your name, address, and social security number) and credit information (like information from your application, your credit report or related to your accounts with us). In addition, if you visit our website, we may collect certain information about your internet usage.
Because some of the information we gather is not publicly available, we take great care to ensure that this information is kept safe from unauthorized access, and we will not share the information in violation of any regulation or law. HSBC diligently maintains physical, electronic and procedural safeguards that comply with applicable laws to guard your private personal information and to assist us in preventing unauthorized disclosure or access to that information.
Our websites, www.hfc.com and www.beneficial.com, 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 view our Privacy Statement when you visit our websites and click on the "Privacy & Security" link.
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. 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 also work with other third parties to learn more about activity on our website. These vendors use "web beacons", "tracking pixels", "third party cookies" and other similar technologies to gather user demographics and usage patterns, which help us improve the effectiveness of our marketing and of our website design. These vendors do not share any personally identifiable information about you.
From time to time, for general business purposes or when we think it may benefit you, we share certain information with other companies within the HSBC family of companies (our “Affiliates*”), except as prohibited by applicable law. We may also provide information to Affiliates that perform operational services related to your Account(s). These Affiliates all provide financial services, such as banking, consumer finance, insurance, mortgage, and brokerage services. Some examples include companies doing business under the names HSBC, HFC, Household, or Beneficial. We may also share certain information with non-financial service providers that become affiliated with us in the future (such as travel, auto, or shopping clubs), except as prohibited by applicable law. The information we share might come from your application, for instance your name, address, telephone number, social security number, and e-mail address. Also, the information we share could include your transactions with us or our Affiliates (such as your account balance, payment history, parties to the transaction, policy balance, and claim history), your internet usage, or your credit card usage. Except for Vermont residents, the information we share could also include your assets, income, credit report information. For Vermont residents, applicable law requires us to obtain your permission in order to share information about you with our Affiliates. Please note that we have chosen not to share your information in this way while you are a resident of Vermont.
* "Affiliates" are companies that are related to us by common ownership or corporate control. Our Affiliates includes companies such as HFC®, Beneficial®, Household Insurance Group Holding Company, and HSBC companies such as HSBC Bank USA, N.A., HSBC Mortgage Corporation (USA), HSBC Credit Centers Inc., HSBC Auto Finance Inc., and HSBC Bank Nevada, N.A.
Except for California or Vermont residents, we may share information with companies outside of the HSBC family of companies (i.e. Non-Affiliates) that are able to extend special offers that we feel might be of value to you. These companies may be financial services providers (such as mortgage bankers, insurance agents or a re-insurer) or they may be non-financial companies (such as retailers or marketing companies). These offers are typically for products and services that you might not otherwise hear about. The information that we may provide Non-Affiliates comes from the sources described above and might include your name, address, phone number, and information about your account with us.
For California and Vermont residents, applicable law requires us to obtain your permission in order to share information about you with Non-Affiliates, and so we have chosen not to share your information in this way while you are a resident of California or Vermont.
We may also provide information to Non-Affiliates that perform operational services for your account such as, collection, fraud control and marketing. The sharing of information with these types of Non-Affiliates is permitted by law. This might include a financial company (such as an insurance service provider) or a non-financial company (such as a data processor or Internet service provider) with whom we have a service agreement. The information we may share also comes from the sources described above and might include your name, address, phone number, and account experience with us.
Finally, we provide information about you to Non-Affiliates as permitted by law. These may include credit reporting agencies and companies which provide services related to your account.
YOUR CHOICES TO LIMIT SHARING
How to Opt-Out of Sharing with Our Affiliates in the HSBC Family of Companies (Except for residents of Vermont)
If you do not want us to share your credit report information with our Affiliates (unless we are permitted or required by law to do so), please let us know by simply mailing your request to:
HSBC Opt-Out
PO Box 3425
Buffalo NY 14240-9733
If you have previously informed us of your preference, you do not need to do so again. This request will not apply to information about your transactions or experience with us (such as account information, account usage, or payment history).
How to Opt-Out of Sharing with Other Third Parties (Non-Affiliates) (Except for residents of California and Vermont)
If you do not want us to share your non-public personal information with Non-Affiliate companies (unless we are permitted or required by law to do so), please let us know by simply mailing your request to:
HSBC Opt-Out
PO Box 3425
Buffalo NY 14240-9733
If you have previously informed us of your preference about this account, you do not need to do so again.
Your Choice to Limit Marketing
To limit marketing offers, simply mail your request to:
HSBC Opt-Out
PO Box 3425
Buffalo NY 14240-9733
Joint Accounts
For all opt-out types made available under this Privacy Statement, an opt-out request by any party on a joint account will apply to all parties on the joint account.
Notice for Nevada Residents:
Pursuant to Nevada law, we are providing this notice, which applies to accounts with Nevada mailing addresses, to inform you that you may elect to be placed on our internal "do not call" list. To be placed on the list, you may request in writing to:
HSBC Opt-Out
PO Box 3425
Buffalo NY 14240-9733
You may also contact the Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Avenue, Suite 3900, Las Vegas, Nevada 89101.
Notice for Texas Residents:
HFC Company LLC and Beneficial Company LLC subsidiaries or affiliates 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 (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. Website: www.occc.state.tx.us.
HOUSEHOLD INSURANCE GROUP HOLDING COMPANY **
Privacy Statement for Customers with Insurance
This paragraph applies only to customers with insurance products provided by Household Insurance Group Holding Company ("HIG"). HIG respects and protects your privacy. To administer the insurance requested by you or provided in connection with your account, HIG collects demographic information (like your name and address) and information related to insurance coverage (like information related to your account with HSBC or information related to your health). This information comes either directly from you, for instance from your application, or it may come from HSBC, such as information about your account, or it may come from a credit report or medical information bureau report. HIG takes great care to protect the privacy of this information. For example, the only employees or companies that can access such information are those who need it to provide services in connection with your insurance. Moreover, HIG maintains physical, electronic and procedural safeguards to protect against unauthorized use or disclosure of that information. HIG does not disclose information about you to their respective affiliates or to third parties, except as permitted by law.
** Household Insurance Group Holding Company (also under the trade name of HSBC Insurance Services or HSBC Insurance) includes Household Insurance Group, Inc., Household Life Insurance Company, HSBC Insurance Company of Delaware (formerly known as Service General Insurance Company), First Central National Life Insurance Company of New York, Household Life Insurance Company of Delaware, BFC Insurance Agency of Nevada, HSBC Insurance Agency (USA) Inc., and such other companies Household Insurance Group Holding Company may subsequently acquire.
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Attention Spanish-speaking customers: This Privacy Statement provides information about how we handle non-public personal information about our customers, under what circumstances we may share that information with other parties, and how you can request us not to share that information with non-affiliated third parties. If you would like us to provide you with a Spanish translation of this entire Privacy Statement, please contact us by writing to:
HSBC Opt-Out
PO Box 3425
Buffalo NY 14240-9733
Atención clientes hispanohablantes: Esta Declaración sobre Privacidad proporciona información sobre cómo manejamos información personal no pública acerca de nuestros clientes, las circunstancias bajo las cuales podemos compartir tal información con otras personas y cómo usted puede pedir que no compartamos esa información con terceros que no sean afiliados nuestros. Si quisiera que le proporcionemos una traducción al español de la Declaración sobre Privacidad en su totalidad, sírvase comunicarse con nosotros escribiendo al HSBC Opt-Out P.O. Box 3425, Buffalo, NY 14240-9733.
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