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 Beneficial.
Copyright and Other Intellectual Property: HSBC Consumer Lending (USA) Inc. (on behalf of and as managing company for Beneficial Company LLC and its respective subsidiaries), or its corporate parents, or its affiliates, or its subsidiaries (collectively, "Beneficial") maintains this website and certain other websites 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 websites. The materials contained within these websites, 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 laws. Beneficial also owns a copyright in the selection, coordination and arrangement of the material contained within these websites.
The material contained within these websites is provided by Beneficial only for lawful uses by customers, employees, and members of the general public. The material may not be copied, republished, incorporated into another website 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 Beneficial.
LIMITED LIABILITY: NEITHER BENEFICIAL, ITS CORPORATE PARENTS, AFFILIATES OR SUBSIDIARIES, OR ANY OTHER PARTY INVOLVED IN THE CREATION, PRODUCTION OR DELIVERY OF THE INFORMATION AT THIS WEBSITE, NOR THE OFFICERS, DIRECTORS, EMPLOYEES OR REPRESENTATIVES OF ANY OF THE FOREGOING, ARE LIABLE IN ANY WAY FOR ANY DIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL, OR INDIRECT DAMAGES (INCLUDING, BUT NOT LIMITED TO LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY) ARISING OUT OF OR IN CONNECTION WITH THIS WEBSITE OR THE USE OF THIS WEBSITE OR A LINKED WEBSITE OR WITH THE DELAY OR INABILITY TO USE THIS WEBSITE OR A LINKED WEBSITE, WHETHER OR NOT Beneficial 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 WEBSITE'S FILES AND THE USER'S BROWSER OR OTHER WEBSITE ACCESSING PROGRAM, FAILURE OF ANY ELECTRONIC OR TELEPHONE EQUIPMENT, COMMUNICATION OR CONNECTION LINES, UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, OR ANY FORCE MAJEURE. BENEFICIAL DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THIS WEBSITE OR A LINKED WEBSITE. THE CONTENT, ACCURACY, OPINIONS EXPRESSED, AND OTHER LINKS PROVIDED BY THE LINKED WEBSITES ARE NOT INVESTIGATED, VERIFIED, MONITORED OR ENDORSED BY Beneficial. THE INFORMATION, SOFTWARE, PRODUCTS AND DESCRIPTION OF SERVICES PUBLISHED ON THE WEBSITE OR A LINKED WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS, AND Beneficial SPECIFICALLY DISCLAIMS ANY LIABILITY FOR SUCH INACCURACIES OR ERRORS. CHANGES ARE PERIODICALLY MADE TO THE INFORMATION ON THE WEBSITE AND LINKED WEBSITES. BENEFICIAL MAY MAKE IMPROVEMENTS OR CHANGES TO THE WEBSITE AT ANY TIME.
NO WARRANTIES: ALL PRODUCTS, SERVICES AND CONTENT ON THIS WEBSITE 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 BENEFICIAL NOR ITS CORPORATE PARENTS, AFFILIATES OR SUBSIDIARIES ENDORSES AND NONE ARE RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY INFORMATION ON THIS WEBSITE. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, RELIABILITY, TIMELINESS AND COMPLETENESS OF ANY INFORMATION AVAILABLE ON THIS WEBSITE. BENEFICIAL SPECIFICALLY DISCLAIMS ANY DUTY TO UPDATE THE INFORMATION ON THE WEBSITE.
USER AGREES TO INDEMNIFY, DEFEND, AND HOLD BENEFICIAL 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 WEBSITE.
Links: Clicking on certain links within this website or certain other websites that are linked to this website may take you to other websites, or may display information on your computer screen from other websites, which are not maintained by Beneficial. Such websites may contain terms and conditions, privacy provisions, confidentiality provisions, or other provisions that differ from the terms and conditions applicable to this website. Links to other Internet services and websites are provided solely for the convenience of users. A link to any service or website is not an endorsement of any kind of the service or website, its content, or its sponsoring organization.
BENEFICIAL AND ITS CORPORATE PARENTS, AFFILIATES, AND SUBSIDIARIES ASSUME NO RESPONSIBILITY OR LIABILITY WHATSOEVER FOR THE CONTENT, ACCURACY, RELIABILITY OR OPINIONS EXPRESSED IN A WEBSITE, TO WHICH THIS WEBSITE IS LINKED (A "LINKED WEBSITE") AND SUCH LINKED WEBSITES ARE NOT MONITORED, INVESTIGATED, OR CHECKED FOR ACCURACY OR COMPLETENESS BY BENEFICIAL. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, RELIABILITY, TIMELINESS AND COMPLETENESS OF ANY INFORMATION AVAILABLE ON A LINKED WEBSITE. ALL PRODUCTS, SERVICES AND CONTENT OBTAINED FROM A LINKED WEBSITE 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: Beneficial does not knowingly market to, or solicit or collect personal information from children under the age of 18.
Confidentiality of Information: Beneficial 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 practices 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 Beneficial. 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: Beneficial 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 Beneficial's Privacy Statement for how this information may be used. Some of Beneficial's websites may also make use of "cookie" technology to measure website activity, determine how you arrived at our website and maintain your identity as you navigate through the website. Beneficial'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 our website easier for you by saving your preferences while you are at our website. The use of cookies is an industry standard and you will find them at many websites. Beneficial 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 us.
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 secured areas of this website 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 on October 1, 2009. Please check periodically for changes.
Arizona: Real Estate Installment and Revolving Loans over $10,000 are serviced by Beneficial Financial I Inc.
California: We may provide credit information about your account to our affiliates from time to time. This information may be used to qualify you for other credit offers. Married persons may apply for a separate account. Loans will be serviced pursuant to a California Department of Corporations Finance Lenders License. California Fair Lending Notice - The Housing Financial Discrimination Act of 1977 (see below for text).
Delaware:Delaware Schedule of Charges
Georgia: Real Estate Loans are serviced by Beneficial Financial I Inc., a Georgia Residential Mortgage Licensee. License No. 14335.
Illinois: Beneficial Financial I Inc., 26525 N. Riverwoods Blvd., Mettawa, Illinois 60045
An illinois Residential Mortgage Licensee (MB# 6760581) by the Illinois Department of Financial and Professional Regulation, Division of Banking, 122 S. Michigan Avenue, Suite 1900, Chicago, IL 60603, (312) 793-3000.
Massachusetts: Licensed as a mortgage lender - license #ML3262 (Principal Office).
Minnesota: Beneficial is not acting as your agent in connection with obtaining a residential mortgage loan. While we seek to assist you in meeting your financial needs, we cannot guarantee the lowest or best terms available in the market.
Montana: Licensed by the Montana Residential Mortgage Lender Licensing Act - License #61.
New Hampshire: Real Estate loans are serviced by Beneficial Financial I Inc.(NMLS Registry No. 2048) and Beneficial New Hampshire Inc. (NMLS No. 55274), licensed by the New Hampshire Banking Department.
New Jersey: Loans are serviced by Beneficial Financial I Inc.
New York: Consumer reports may be requested in connection with the processing of this application and any resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting agencies which have provided us with such reports.
Real estate loans are serviced by Beneficial Homeowner Service Corporation.
Ohio: Loans are serviced by Beneficial Financial I Inc. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Pennsylvania: Unsecured loans are serviced by Beneficial Consumer Discount Company. Real estate loans are serviced by Beneficial Homeowner Service Corporation.
Rhode Island: Loans are made by the Rhode Island Licensed Lender.
Texas: Secured Revolving Loans are not available. The maximum LTV for all loans made pursuant to Section 50 (a) (6) of the Texas Constitution is 80%.
Virginia: Real estate loans are made by Beneficial Financial I Inc., a Virginia State Corporation Commission Licensee. License No. MC-3803.
Washington: Loans are serviced by Beneficial Financial I Inc.
Wisconsin: No agreement, court order, or individual statement applying to marital property will adversely affect a creditor's interests unless prior to the time credit is granted the creditor is furnished with a copy of the agreement, court order, or statement, or has actual knowledge of the adverse provision. You must indicate your marital status for this application to be processed.
California Fair Lending Notice
We may provide credit information about your account to our affiliates from time to time. This information may be used to qualify you for other credit offers. Married persons may apply for a separate account. Loans will be made pursuant to a California Department of Corporations Finance Lenders License. California Fair Lending Notice - The Housing Financial Discrimination Act of 1977 (see below for text).
THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 FAIR LENDING NOTICE IT IS ILLEGAL TO DISCRIMINATE IN THE PROVISION OF OR IN THE AVAILABILITY OF FINANCIAL ASSISTANCE BECAUSE OF THE CONSIDERATION OF:
TRENDS, CHARACTERISTICS OR CONDITIONS IN THE NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION, UNLESS THE FINANCIAL INSTITUTION CAN DEMONSTRATE IN THE PARTICULAR CASE THAT SUCH CONSIDERATION IS REQUIRED TO AVOID AN UNSAFE AND UNSOUND BUSINESS PRACTICE; OR RACE, COLOR, RELIGION, SEX, MARITAL STATUS, NATIONAL ORIGIN OR ANCESTRY. IT IS ILLEGAL TO CONSIDER THE RACIAL, ETHNIC, RELIGIOUS OR NATIONAL ORIGIN COMPOSITION OF A NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION OR WHETHER OR NOT SUCH COMPOSITION IS UNDERGOING CHANGE, OR IS EXPECTED TO UNDERGO CHANGE, IN APPRAISING A HOUSING ACCOMMODATION OR IN DETERMINING WHETHER OR NOT, OR UNDER WHAT TERMS AND CONDITIONS TO PROVIDE FINANCIAL ASSISTANCE. THESE PROVISIONS GOVERN FINANCIAL ASSISTANCE FOR THE PURPOSE OF THE PURCHASE, CONSTRUCTION, REHABILITATION OR REFINANCING OF ONE-TO FOUR-UNIT FAMILY RESIDENCES OCCUPIED BY THE OWNER AND FOR THE PURPOSE OF THE HOME IMPROVEMENT OF ANY ONE-TO FOUR-UNIT FAMILY RESIDENCE. IF YOU HAVE QUESTIONS ABOUT YOUR RIGHTS OR IF YOU WISH TO FILE A COMPLAINT, CONTACT THE MANAGEMENT OF THIS FINANCIAL INSTITUTION OR:
DEPARTMENT OF CORPORATIONS
SUITE 600
3700 WILSHIRE
LOS ANGELES, CA 90010
DEPARTMENT OF CORPORATIONS
SUITE 810
1390 MARKET STREET
SAN FRANCISCO, CA 94102
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