HSBC AUTO FINANCE
Privacy Statement

Privacy Statement for HSBC Auto Finance Inc., HSBC Auto Credit Inc., and HSBC Auto Accounts Inc.

 

Introduction - Our Commitment to You
HSBC Auto Finance Inc., HSBC Auto Credit Inc., and HSBC Auto Accounts Inc. (HSBC) are proud to be part of a financial services organization that has been providing superior products and services to its customers for more than 150 years. We greatly appreciate the trust that you and millions of customers have placed in us, and we will protect that trust by continuing to respect the privacy of all our applicants and customers even if our formal customer relationship ends.

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 Obtain
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, HSBC collects demographic information (like your name and address) and credit information (like information related to your accounts with us and others). This information comes either directly from you, for instance, from your application and transactions on your account; or, it may come from an outside source such as your credit bureau report.  In addition, if you visit our Internet web site, 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 federal standards to guard your private personal information and to assist us in preventing unauthorized access to that information.

 

How We Share Information with Companies Affiliated with Us
From time to time, for general business purposes such as fraud control, or when we think it may benefit you, we do share certain information with our affiliated companies, except as prohibited by applicable law.  These affiliated companies 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, 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 affiliated companies (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 reports.

 

How We Share Information with Affinity Companies
In some cases, we establish relationships with non-financial companies under which we issue a financial product or service to its members.  We obtain some information about you directly from such companies in addition to the sources above.  We may share certain information about you with such companies so that we and they can provide you with services and benefits in connection with our financial product or service, and continue to bring you new opportunities that you would otherwise not hear about.  The information we share with such companies includes information we receive from you on your application or other forms such as your name, address, telephone number, and e-mail address. 

• Except for California residents, we may also share information about your transactions with us, such as the status and usage of your account.
• For California residents, if we share information with affinity companies, we will separately mail you a California Privacy Statement.  You may tell us not to share information with such companies by following the instructions provided. 
• For Vermont residents, Vermont law requires us to obtain your permission in order to share information about you with affinity companies, and we will not do so without your permission.    

 

How We Share Information under a Joint Marketing Agreement
We may also provide information to non-affiliated financial companies (such as a mortgage banker or insurance service provider) with whom we have a joint marketing agreement.  The sharing of information with these types of companies is permitted by law. 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.  For California residents, if we share information pursuant to a joint marketing agreement, we will separately mail you a California Privacy Statement.  You may tell us not to share information with such companies by following the instructions provided.

 

How We Share Information with Other Third Parties
Except for California or Vermont residents, we also may share information with non-affiliated companies that are able to extend special offers we feel might be of value to you.  These companies may be financial services providers (such as mortgage bankers or insurance agents) 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 we may provide them comes from the sources described above and might include your name, address, phone number, and information about your account with us.  You may tell us not to share information with non-affiliated companies in this way by completing the form below.  For California and Vermont residents, applicable law requires us to obtain your permission in order to share information about you in this way, and we have chosen not to share your information in this way. 

We may also provide information to non-affiliated companies that perform operational, collection, or fraud control services related to your account.  The sharing of information with these types of companies is permitted by law.  Such a company 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-affiliated companies as permitted by law.  These companies may include credit reporting agencies and companies which provide services related to your account. 

We reserve the right to change our privacy practices at any time in accordance with applicable law.  Notice of such changes will be provided if required by applicable law.

 

Your Choices to Limit Sharing

 

How to Opt-Out (non-affiliated companies)  (Applicable to residents of all states except California and Vermont)
If you do not want us to share your private information with non-affiliated companies (unless we are permitted or required by law to do so), please let us know by simply calling us toll-free at 1-866-806-8012 or by completing the attached reply form and mailing it to P.O. Box 17904, San Diego, CA 92177.  If you have previously informed us of your preference about this account, you do not need to do so again.  We will be happy to comply with your "opt-out" request, which will only apply to the HSBC account you have designated on the form by account number.  An opt-out request by any party on a joint account will apply to all parties on the joint account.  Opt-out requests will not apply to information sharing that is permitted by law.  Please allow sufficient time for us to process your request.

 

How to Opt-Out (Applicable only to California residents)
If we have established relationships with affinity companies or entered into joint marketing agreements with non-affiliated financial companies, we will separately mail you a California Privacy Statement.  If you do not want us to share your private information with such companies, you must complete the reply form contained in the California Privacy Statement and mail it to the address provided therein. The phone number referenced in this document may not be used for this purpose.   If you have previously informed us of your preference about this account, you do not need to do so again.   We will be happy to comply with your "opt-out" request, which will only apply to the HSBC account you have designated on the form by account number.  An opt-out request by any party on a joint account will apply to all parties on the joint account.   Please allow sufficient time for us to process your request.

 

How to Opt-Out (affiliated companies) (Applicable to residents of all states except Vermont)
If you do not want us to share your credit information (such as your credit bureau information) with companies that are affiliated with us, please let us know by simply calling us toll-free at 1-866-806-8012, or by completing the attached reply form and mailing it to P.O. Box 17904, San Diego, CA 92177.   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 HSBC (such as account information, account usage, or payment history), except as required by law.  An opt-out request by any party on a joint account will apply to all parties on the joint account.

 

Your Choices 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 group of companies, such as our credit card, 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 includes 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.
• If you have previously informed us of your preference, you do not need to do so again.

 

To limit marketing offers under this section, you must call us at 1-866-806-8012.  The attached reply form may not be used for this particular opt out choice.

 

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 account information (like information related to your account with HSBC).   This information comes either directly from you, for instance, from your application, or it may come from HSBC, such as information about your account.  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.

 

Opt-Out Request Form
Send to:
P.O. Box 17904
San Diego, CA 92177

By checking the appropriate box(es) below and returning this form, you are requesting that we do not share your information, except as permitted or required by law. This request applies only to the account number(s) designated below:

PLEASE PRINT CLEARLY

Account Number:   ________________________________________

Name:  ________________________________________________

Address: _______________________________________________

______________________________________________________

___ By checking this box, I am asking HSBC Auto Finance not to share credit information about me with companies affiliated with HSBC. This request will not apply to the sharing of
information about your transactions or experience with me (such as account information, account usage, or payment history). This request applies only to the account number
designated above. (FCRA)

___ By checking this box, I am asking HSBC Auto Finance not to share credit information about me with non-affiliated companies, except as permitted or required by law. This request
applies only to the account number designated above. (GLB)

PLEASE DO NOT SEND THIS FORM WITH YOUR PAYMENT