HSBC's privacy principles
Our business has been built on trust between our customers and ourselves. To preserve the confidentiality of all information you provide to us, we maintain the following privacy principles:
- We only collect personal information that we believe to be relevant and required to understand your financial needs and to conduct our business.
- We use your personal information to provide you with better customer services and products.
- We may pass your personal information to other HSBC Group companies or agents, as permitted by law.
- We will not disclose your personal information to any external organisation unless we have your consent or are required by law.
- We may be required from time to time by law to disclose your personal information to governmental or judicial bodies, agencies or regulators.
- We will take all reasonable steps to keep your personal information on our records accurate and up to date.
- We maintain strict security systems designed to prevent unauthorised access to your personal information by anyone, including our staff.
- All HSBC Group companies, staff and third parties with permitted access to your information are specifically required to observe our confidentiality obligations and the requirements of the Privacy Act 1993.
By maintaining our commitment to these principles, we at HSBC will ensure that we respect the inherent trust that you place in us.
Your privacy matters to us
This section provides specific details of how we treat any personal information you might wish to provide us when you visit this site.
- Security is our top priority. The Hongkong and Shanghai Banking Corporation Limited (the 'Bank') will strive at all times to ensure that your personal data will be protected against unauthorised or accidental access, processing or erasure. We maintain this commitment to data security by implementing appropriate physical, electronic and managerial measures to safeguard and secure your personal data.
- The secure area of our website supports the use of Secure Socket Layer ('SSL') protocol and 128-encryption technology – an industry standard for encryption over the internet to protect data. When you provide sensitive information such as credit card details, it will be automatically converted into codes before being securely dispatched over the internet.
- Our web servers are protected behind 'firewalls' and our systems are monitored to prevent any unauthorised access. We will not send personal information to you by ordinary e-mail. As the security of ordinary e-mail cannot be guaranteed, you should only send e-mail to us using the secure e-mail facility on our website.
- All practical steps will be taken to ensure that personal data will not be kept longer than necessary and that the Bank will comply with all statutory and regulatory requirements in the Hong Kong Special Administrative Region concerning the retention of personally identifiable information.
- Both you and HSBC play an important role in protecting against online fraud. You should be careful that your bank account details, including your user ID and/or password, are not compromised by ensuring that you do not knowingly or accidentally share, provide or facilitate unauthorised use of it. Do not share your user ID and/or password or allow access or use of it by others. We endeavour to put in place high standards of security to protect your interests. If, in the unlikely event, unauthorised transactions have been conducted through your account through no fraud, fault or negligence on your part, we will see that you are covered for your direct loss up to the full amount of the unauthorised transaction.
- You should safeguard your unique user ID and password by keeping it secret and confidential. Never write them down or share these details with anyone. HSBC will never ask you for your internet banking password, in order to ensure that you are the only person who knows this information. When choosing your unique user ID and password for the first time, do not create it using easily identifiable information such as your birthday, telephone number or a recognisable part of your name. If you think your user ID and/or password has been disclosed to a third party, is lost or stolen and unauthorised transactions may have been conducted, you are responsible to inform us immediately.
Collection of personal information
If you accept cookies, you will be acknowledging that your information is being collected, stored, accessed and used as outlined above.
- We may also work with third parties to research certain usage and activities on this Site for us. These third party research agencies include Doubleclick, Yahoo!, Facebook, Nielsen//NetRatings, WebTrends and Adobe. They use technologies such as cookies, spotlight monitoring and web beacons to collect information for this research. They use the information collected through such technologies (i) to find out more about users of this Site, including user demographics and behaviour and usage patterns, (ii) for more accurate reporting and (iii) to improve the effectiveness of our marketing. They aggregate the information collected and then share it with us. No personally identifiable information about you is collected or shared by Doubleclick, Yahoo!, Facebook, Nielsen//NetRatings and WebTrends with us as a result of this research. Should you wish to disable the cookies associated with such technologies, you may change the setting on your browser. However, you may not be able to enter certain parts of this Site, including HSBC Internet Banking.
- Doubleclick's website at www.doubleclick.net. and/or
- Yahoo!'s website at http://privacy.yahoo.com/privacy/us/pixels/details.html. and/or
- Facebook's website at https://www.facebook.com/legal/FB_Work_Cookies. and/or
- Nielsen//NetRatings website at http://www.netratings.com/privacy.jsp?section=leg_scs. and/or
- Adobe's website at http://www.adobe.com/hk_en/privacy/policy.html. and/or
- WebTrends' website at http://ondemand.webtrends.com/privacypolicy.asp#PSFV
- Marketing promotions: Occasionally, we may collect personal information from visitors to this site and those individuals that participate in a contest or promotion online, over the telephone or at one of our branches. Such information is only collected from individuals who voluntarily provide us with their personal information. We may use this information to advise them of products, services and other marketing materials, which we think may be of interest to them. We may also invite visitors to this site to participate in market research and surveys and other similar activities.
You can choose to receive marketing and other promotional materials by e-mail. If you do receive e-mail or promotional direct mailings, you will always have an opportunity to opt out.
If, at any time, you would like us to cease sending you direct mailings, please contact our representatives at our Direct Banking Centre by calling 0800 80 23 80. We will then, at no cost to you, act on your request within 30 days and ensure that you are not included in future direct marketing promotions.
If we do ask you to provide personal information, we will always specify the purpose for which such personal information is collected and ensure that it is only used for the purpose specified at the time of collection.
Our information collection statement
This statement is made by the Bank in accordance with the Privacy Act 1993 (the 'Act') and the Bank's privacy principles. The statement is intended to notify you why personal data is collected, how it will be used and to whom data access requests and corrections are to be addressed.
Why we collect your data: We collect your personal information to carry out and administer our services to you and in an effort to improve your customer experience. Without such data, the Bank may be unable to open or continue accounts, establish or continue banking facilities, or provide banking services.
- Data is also collected from customers in the ordinary course of business to continue the banking relationship, ie when customers write cheques or deposit money.
- How your data may be used: Data relating to a customer may be used to:
- Facilitate the daily operation of the services and credit facilities provided to customers.
- Conduct credit checks.
- Assist other financial institutions to conduct credit checks and collect debts.
- Ensure ongoing credit creditworthiness of customers.
- Design financial services or related products for customers' use.
- Market financial services or related products.
- Determine the amount of indebtedness owed to or by customers.
- Collect amounts outstanding from customers and those providing security for customers' obligations
- Meet the disclosure requirements of any law binding on the Bank or any of its branches.
- Enable an actual or proposed assignee of the Bank, or participant or sub-participant of the Bank's rights in respect of the customer, to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation.
- To fulfil any other related purpose.
- Disclosure of your personal information: Information held by the Bank relating to a customer will be kept confidential but the Bank may provide such information to the following parties for the above purposes:
- Any agent, contractor or third-party service provider who provides administrative, telecommunications, computer, payment or securities clearing or other services to the Bank in connection with the operation of its business.
- Any other person under a duty of confidentiality to the Bank, including a Group company of the Bank that has undertaken to keep such information confidential.
- The drawee bank providing a copy of a paid cheque (which may contain information about the payee) to the drawer.
- Credit reference agencies, and, in the event of default, to debt collection agencies.
- Any person to whom the Bank is under an obligation to make disclosure under the requirements of any law binding on the Bank or any of its branches.
- Any actual or proposed assignee of bank, participant or sub-participant, or transferee of the Bank's rights in respect of the customer.
- Data access requests: Under the Act and the Bank's privacy principles, any customer of the Bank has the following rights:
- To check whether the Bank holds data about them and have access to such data.
- To require the Bank to correct any data relating to them which is inaccurate.
- To ascertain the Bank's policies and practices in relation to data and to be informed of the kind of personal data held by the Bank.
- In relation to consumer credit, to request to be informed which items of data are routinely disclosed to credit reference agencies or debt collection agencies, and be provided with further information to enable the making of an access and correction request to the relevant credit reference agency or debt collection agency.
- In accordance with the Act and the Bank's privacy principles, the Bank has the right to charge a reasonable fee for making any information requested available.
- Nothing in this statement shall limit the rights of customers under the Act and the Bank's privacy principles.
Requests for access to data or correction of data or for information regarding policies and practices and kinds of data held should be addressed to:
The Hongkong and Shanghai Banking Corporation Limited
PO Box 5947
Important: By accessing this website and any of its pages, you are agreeing to the terms set out above. Thank you for choosing HSBC.