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Insurance Privacy Notice




Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.


The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income
  • Assets and employment information
  • Medical information and insurance claim history

When you are no longer our customer, we continue to share your information as described in this notice.


All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons HSBC chooses to share; and whether you can limit this sharing.

Reasons HSBC can share your personal information
Reasons we can share your personal information Does HSBC share? Can you limit this sharing?
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes—
to offer our products and services to you
Yes No
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes—
information about your transactions and experiences
Yes No
For our affiliates' everyday business purposes—
information about your creditworthiness
Yes Yes
For affiliates to market to you Yes Yes
For nonaffiliates to market to you Yes Yes

To limit our sharing

  • Call 1-800-323-1317 — our menu will prompt you through your choice(s).
  • Mail the form below

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.


Call 1-800-323-1317

Cut below this line.

 Mail-in Form

Mark any/all you want to limit:

Check Box

Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

Check Box

Do not allow your affiliates to use my personal information to market to me.

Check Box

Do not share my personal information with nonaffiliates to market their products and services to me.

Mail in Form

Mail to:
P.O. BOX 12405
Wilmington, DE

City, State, Zip  
Policy #  
Who we are
Who we are
Who is providing this notice?

Household Life Insurance Company, First Central National Life Insurance Company of New York, HSBC Insurance Company of Delaware, Household Life Insurance Company of Delaware, BFC Insurance Agency of Nevada, and HSBC Insurance Agency (USA) Inc.

What we do
What we do
How does HSBC protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

Also, we only allow employees, authorized service providers and other parties as required or permitted by law to access your information.

How does HSBC collect my personal information?

We collect your personal information, for example, when you:

  • apply for insurance or pay insurance premiums
  • provide employment information or give us your income information
  • file an insurance claim
Why can't I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes-information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your policy.


Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include companies with an HSBC name and financial companies such as Household, Beneficial and HFC.

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we share with can include financial services providers such as insurance agents or insurance companies.
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include companies such as insurance service providers.

Other important information

HSBC companies and affiliates with access to your personal information may be located in countries other than where you reside, including but not limited to the United Kingdom and India.

You have a right to see personal information collected about you and the right to correct any information, which may be wrong, by writing to us at the following address: Insurance Customer Service Operations, 90 Christiana Rd., New Castle, DE 19720.

Special notice for residents of California or Vermont

HSBC does not share your information with affiliates or nonaffiliates, except as permitted or required by applicable law.

Special notice for residents of Nevada

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. If you would like to be placed on the list, please let us know by simply calling us toll-free at 1-800-323-1317. 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 Telephone: (702) 486-3132 Email: BCPINFO@ag.state.nv.us.

Click here† to access a printable version of the HSBC Insurance Privacy Notice

Review our Online Privacy Practices.

Revised: November, 2010

† Viewing PDF files require the use of Adobe Acrobat Reader. If you do not already have Adobe Acrobat Reader, you can download it online. After downloading the software, follow the instructions for installing the program. If you prefer, you can always download the files now and open them offline later.

To download the Reader to your computer, click the Adobe button. Acrobat Reader (Opens new window)