All HSBC Products

We're Dedicated To Keeping Your Personal Information Private

At HSBC Bank USA, National Association, HSBC Bank Nevada, National Association, and HSBC Card Services, Inc. (individually and/or collectively, “HSBC”), we are committed to protecting your privacy. To keep your personal, non-public information both personal and private, we have established the following policies:

1. We never sell your personal information to other companies for their independent marketing purposes.
2. We maintain physical, procedural and electronic safeguards to assist us in preventing unauthorized disclosure of, or unauthorized access to, your private personal information.
3. All HSBC employees are required to keep your personal information confidential.
4. We honor your preferences about the information we share within the HSBC family of companies for marketing purposes.

If you have already notified us of your privacy preferences, you don't need to contact us again unless you want to change your preferences.

Why Do We Share Information Within The HSBC Family Of Companies?

To help us offer you valuable offers and/or financial services, HSBC may share the types of information described above in "What Kind Of Information Do We Collect?" within the HSBC family of companies. We may also use the other companies in the HSBC family as service providers. These HSBC companies may be located in countries other than where you reside, including but not limited to the United Kingdom and India. The HSBC family includes banking, consumer finance, insurance, mortgage, and brokerage companies. Some examples include companies doing business under the names HSBC or Household.

How Do We Share Information Outside The HSBC Family Of Companies?

We may share the kinds of information described above in "What Kind Of Information Do We Collect?" with non-affiliated third party service providers performing marketing services on our behalf, for fraud protection, and with other financial institutions with whom we have joint marketing agreements, or as permitted by law or with your consent.

Whenever we share information outside the HSBC family of companies, all non-affiliated third parties are required to maintain the confidentiality of that information.

In some cases, we are required or permitted by law to provide information about you to third parties without your consent; for example, in responding to a subpoena or similar legal process.

Your choice to limit marketing

The HSBC companies identified at the end of this privacy statement are providing this notice. You may limit our affiliates in the HSBC family of companies, such as our credit card, insurance, consumer finance, and automobile finance affiliates, from marketing their products or services to you based on any personal information that we collect and share with them, including, if applicable, your income, your account history with us, and your credit score. Your choice to limit marketing offers from our affiliates will apply until you tell us to change your choice. To limit marketing offers, contact us by telephone at 1-877-394-HSBC (4722).

If you don't want us to share application and third party credit-related information within the HSBC family of companies, please call us at 1-877-394-HSBC (4722). Please note that this request will not limit HSBC from sharing information as permitted by law.

If you ask us not to share your information it will prevent you from receiving certain offers and discounts from HSBC and the HSBC family of companies. It will not prevent unwanted solicitations from other companies that received your information from other sources. Within the HSBC family of companies, we may continue to share information relating to your account transactions and our experiences with you.

If you would like HSBC to limit its mail and telephone contacts with you for marketing purposes, please call us at 1-877-394-HSBC (4722). All of your data sharing/use preferences may take four weeks to take effect.

How Do We Protect Your Privacy Online?

To help us learn which products, services and sections of our Web site interest you, and to improve your experience, we sometimes use "cookies." A cookie is a small file that our web server places on your hard drive to track activity on the site during a browsing session, and across multiple sessions. We also use a cookie 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 and are not shared with anyone. They can only track activity on our Web site, and cannot be read by any non-HSBC Web sites. 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 Web site. 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 Web site design. These vendors do not share any personally identifiable information about you. If you prefer that your Web site visits are not tracked or analyzed in these ways, please visit web tracking to learn more about these technologies, and about ways to opt-out.

If you use our EasyView service or other online aggregation services, we collect information about the accounts and relationships included in your EasyView service, including registration information such as your name and e-mail address. We also collect information about the accounts you have designated for the EasyView service, such as account balances, transactions, transaction histories, e-mail information, bills, payment history and other account activity.

We will not disclose any information about you we obtain solely through EasyView to any third party outside the HSBC family of companies, except as needed to provide your EasyView service, or as required or permitted by law.

This Privacy Policy is also available online at us.hsbc.com. It does not apply to other sites you may access through us.hsbc.com. You should review any privacy policies posted on those Web sites before you sign up or use them.

Special Notice For Residents Of Vermont

HSBC does not share your information within the HSBC family of companies, other than information relating to your account transactions and our experiences with you.

Special Notice For Residents Of Nevada

At any time, you may request to be placed on HSBC's internal do not call list by following the instructions in the "Your Choice To Limit Marketing" section above. Nevada law also requires that we provide you with the following contact information:

HSBC Bank USA, N.A.
P.O. Box 9
Buffalo, NY 14240
Phone: (877) 394-4722
us.hsbc.com

Bureau of Consumer Protection
Office of the Nevada
Attorney General
555 E. Washington Avenue
Suite 3900
Las Vegas, Nevada 89101
Phone: (702) 486-3132
Email: BCPINFO@ag.state.nv.us

This Privacy Notice applies to HSBC Bank USA, National Association (including Domestic Private Banking and excluding HSBC Tax Payer Financial Services Division and credit cards), HSBC Mortgage Corporation (USA), HSBC Insurance Agency (USA) Inc., HSBC Securities (USA) Inc., HSBC Motor Credit (USA) Inc., HSBC Global Asset Management (USA) Inc., and Halbis Capital Management (USA) Inc.

Special Notice For Residents Of California

Click here for California Privacy Opt-Out Preferences

Revised: September, 2009

HSBC Bank - Privacy Statement

Our Commitment to You

Either HSBC Bank Nevada, N.A. or HSBC Bank USA, N.A. is the proud issuer of your credit card ("HSBC", "we", "us", or "our"). 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.

How We Handle Information We Collect

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.

How We Protect Your Privacy Online

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.

How We Share Information within the HSBC Family of Companies

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 an application you might complete, for instance your name, address, telephone number, social security number, and e-mail address. Also, the information we share could include, if applicable, your transactions with us or our Affiliates (such as your account balance, payment history, and parties to the transaction), your internet usage, or your credit card usage. Except for Vermont residents, the information we share could also include your assets, income, or 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.

How We Share Information with Other Third Parties (Non-Affiliates)

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, if applicable, 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.

Finally, we provide information about you to Non-Affiliates as permitted by law.

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 calling the telephone number on the back of your credit card. 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 calling the telephone number on the back of your credit card. If you have previously informed us of your preference about this account, you do not need to do so again. This request will only apply to the HSBC account(s) that you designate in your request.

Your Choice to Limit Marketing

Federal law gives you the right to limit some but not all marketing from our Affiliates. Federal law also requires us to give you this notice to tell you about your choice to limit marketing from our Affiliates.

You may limit our Affiliates in the HSBC family of companies, such as our insurance, and consumer finance affiliates, from marketing their products or services to you based on your personal information that we collect and share with them. This information may include your income, your account history with us, and your credit history with us.

Your choice to limit marketing offers from our Affiliates will apply for at least 5 years from when you tell us your choice. If you have previously informed us of your preference, you do not need to do so again within the 5 year period. Once that period expires, you will receive a renewal notice that will allow you to continue to limit marketing offers from our Affiliates for at least another 5 years.

To limit marketing offers, you may call us at the telephone number on the back of your credit card.

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 call us toll free at the number on the back of your credit card. 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.

* "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 Mortgage Corporation (USA), HSBC Credit Centers Inc., HSBC Auto Finance Inc., and Solstice Capital Group.