HSBC Bank (China) Company Limited (“HSBC”, “the Bank”, “we” or “us”) take personal information confidentiality and security very seriously, and strive at all times to protect our customers’ and related parties’ personal information and privacy according to law. We therefore formulate this Personal Information and Privacy Protection Policy (this “Policy”) and collect, use, disclose and protect your personal information (including the personal information of the person you represent) in accordance with this Policy. Please be advised to read this Policy carefully to fully understand the purposes, methods, and scope of personal information we collect and use, HSBC’s practices regarding personal information and privacy protection, your rights and interests with regard to personal information and privacy and how to assert your rights and interests. If you have any query, please Contact HSBC. You may contact us through the contact information listed in this Policy, by calling the Bank’s hotline or visiting the Bank’s branches or sub-branches. You may also visit the Bank’s official website www.hsbc.com.cn or official WeChat account “汇丰中国客户服务” (WeChat ID: HSBCeBanking) to enquire the nearby branches or sub-branches, or other contact information of the Bank suitable for you.
This Policy shall apply to your and related parties’ personal information that may be involved when you visit, browse, use any website or mobile device application of the Bank, apply for or use any product, device or service of the Bank, handle any business at the Bank or make any transaction with the Bank, participate in any marketing events and surveys of the Bank, apply for any position at the Bank, and/or in any way contact or correspond with the Bank, no matter the information is provided by yourself or by the related parties, or collected or acquired by the Bank from other sources according to law, regulation, regulatory provision, or based on your or related parties’ authorisation or consent. You shall understand and agree that the Bank may collect, verify, store, use, process, disclose, transfer, protect your and related parties’ personal information in accordance with this Policy and other terms and conditions otherwise agreed between you and the Bank. If there is any discrepancy between this Policy and the other terms and conditions agreed between you and the Bank, such other terms and conditions shall prevail.
To preserve the confidentiality, security and privacy of all personal information you provide to us, we follow the principle of reasonableness, legitimacy and rightfulness, and maintain the following policies to protect personal information and privacy:
We only collect personal information that we believe to be relevant and required for us to comply with law, regulation and regulatory provision, understand your needs, build up, review, maintain and develop our relationship with you, provide you with products and services, and continuously improve our products and services.
We use your personal information with the aim to comply with law, regulation and regulatory provision, provide you with better products and services, and build up, review, maintain and develop our relationship with you.
We may for specific purposes provide your personal information to other members of the HSBC Group, our respective agents or other third parties, as permitted by law.
We will not disclose your personal information to any third party, unless the disclosure is made to comply with law, regulation and regulatory provision or in accordance with this Policy or other agreement between you and the Bank.
We may be required from time to time to disclose your personal information to our regulators, other governmental or judicial bodies or agencies, but we will only do so following the requirement of law and regulation, our regulators or other authorities and to the extent that we deem necessary.
We aim 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.
All members of the HSBC Group, all our staff and all third parties with permitted access to your personal information are specifically required or legally responsible to observe our confidentiality obligations.
By maintaining our commitment to these policies, we at HSBC will ensure that we respect the inherent trust that you place in us.
Information security is our top priority. We will endeavour at all times to safeguard your personal information against unauthorised or accidental access, processing or erasure. We maintain this commitment to information security by implementing appropriate physical, electronic and managerial measures to secure your personal information.
We exercise strict management over our staff members who may have access to your personal information, including but not limited to access control applied to different positions, contractual obligation of confidentiality agreed with relevant staff members, formulation and implementation of information security related policies and procedures, and information security related training offered to staff. When we use services provided by external service providers (entities or individuals), we also request them to abide by our security standards.
For the security of your personal information, you take on the same responsibility as us. You shall keep your personal information secret and confidential, such as your account information, identity verification information (e.g. user name, password, dynamic password, verification code, etc.), and all the documents, materials, devices or other media that may contain or record or otherwise relate to such information, and shall ensure your personal information and relevant documents, materials, devices or other media are used only in a secured environment. You shall not, at any time, disclose to any other person or allow any other person to use such information and relevant documents, materials, devices or other media. Once you think your personal information and/or relevant documents, materials, devices or other media have been disclosed, lost or stolen and may so endanger the relation between you and the Bank or cause your bank account being used for any unauthorised transaction, you shall notify us immediately so that we may take appropriate measures to prevent further loss from occurring.
We will comply with all statutory and regulatory requirements concerning the retention of identifiable personal information.
As required for us to provide you with various products and services and continuously improve our products and services, or in order to contact or communicate with you, understand your needs, build up, review, maintain and develop our relationship with you, or for the purpose to comply with law, regulation and regulatory provision, during the time when you visit, browse, use any website or mobile device application of the Bank, apply for or use any product, device or service of the Bank, handle any business at the Bank or make any transaction with the Bank, participate in any marketing events and surveys of the Bank, apply for any position at the Bank, and/or in any way contact or correspond with the Bank, the Bank may receive and keep the personal information provided by yourself or by related parties, or, according to law, regulation, regulatory provision, your authorisation or consent, collect, enquire, verify by proper methods your and/or related parties’ personal information from/with members of the HSBC Group or other third parties (including but not limited to credit reference agencies, information service providers, relevant authorities, employers, counterparties, other relevant entities, joint applicants, contact persons, close relatives and other persons). The personal information we so collect may include information in paper, electronic (for example but not limited to information collected through any of the Bank’s self-service machine, website, Internet Banking, WeChat Banking, Mobile Banking, and/or other mobile devices applications, email, text message or Phone Banking) or any other forms.
For above purposes, the personal information collected by the Bank according to this Policy mainly include:
Personal identity information, including name, sex, nationality, citizenship, registered residence (Hu Kou), ethnic, type/number/validity period of ID certificate, occupation, education, diploma, contact information, age, birth date, place of birth, marital status, health status, family status, place of residence, work address, photo, personal virtual identity and authentication information (e.g. Internet Banking account information), etc.;
Personal property information, including personal income, real property, movable property (e.g. vehicle, financial assets, etc.), indebtedness, investment, tax-paid amount, tax residence, taxpayer identification number, amount paid for the provident fund, etc.;
Personal biometrics information, such as signature, handwriting, portrait, fingerprint, voice, iris, face recognition information, etc.;
Personal account information, including account number, time of account opening, institution with which the account is opened, account balance, account transaction information, etc.;
Personal credit information, including credit card, loan and other credit transaction information and any other information about personal credit status;
Personal financial transaction information, including personal information acquired, kept, recorded during any payment, settlement, wealth management, safe deposit box or other banking business, personal information generated from transactions made through banks with any third party institution like insurance company, securities company, fund house, futures company or payment agency, and etc.;
Derivative information, including consumption habit, product/service/internet use habit, transaction or risk preference, risk appetite, investment intention, investment goal, knowledge and experience, and other information about particular person’s situation derived from processing and analysis of raw data;
Any other personal information acquired or kept during the establishment or maintenance of business or other relationship with individuals, e.g. time/location (including geographic location and network address) of service use, log information, image and video record, audio record, network information, device identifier, hardware type, operating system version, etc.
Your personal information and data collected by the Bank may be used for the following purposes (or any of them, depending on the nature of your relationship with the Bank):
to provide you with products or services, to identify or verify your identity, to approve, manage, handle, execute or effect transactions requested or authorised by you;
to comply with any Applicable Laws (“Applicable Laws” refer to any applicable local or foreign statute, law, regulation, ordinance, rule, judgment, decree, voluntary code, directive, sanctions regime, court order applicable to any member of the HSBC Group, agreement between any member of the HSBC Group and an authority, or agreement or treaty between authorities and applicable to the Bank or a member of the HSBC Group) and any order or requirement from any authority;
to perform the Bank and/or the HSBC Group’s compliance obligations (including regulatory compliance, tax compliance and/or compliance with any Applicable Laws or requirement of any authority), or to implement any policy or procedure made by the Bank and/or the HSBC Group for performance of their compliance obligations;
to detect, investigate and prevent any real, suspected or potential financial crime (including money laundering, terrorist financing, bribery, corruption, tax evasion, fraud, evasion of economic or trade sanctions, and/or violations, or acts or attempts to circumvent or violate any Applicable Laws relating to these matters) and to manage financial crime risk;
to collect any amounts due from any debtor;
to conduct credit or credit reference checks, to verify, obtain or provide credit references or credit information;
to enforce or defend the Bank or any member of the HSBC Group’s rights, or to preform the Bank or any member of the HSBC Group’s obligations (whether statutory obligations or contractual obligations, including but not limited to the Bank’s obligations under any agreement entered into with any real or potential business and/or asset assignee, business partner or transaction participator);
as required by or to fulfil the Bank or the HSBC Group’s internal operational requirements (including for credit and risk management, data statistics, analysis, processing and handling, system, product and service design, research, development and improvement, planning, insurance, audit and administrative purposes);
to contact or communicate with you, understand your needs, build up, review, maintain and develop the Bank’s or any member of the HSBC Group’s overall relationship with you (including to market or promote relevant products or services to you, to assess your interests in relevant products or services, to conduct market research or survey or satisfaction survey, to review, approve or handle your application for any position at the Bank, etc.);
to obtain or utilize administrative, consultancy, telecommunications, computer, payment, data storage, processing, outsourcing and/or other products or services.
For the purposes set out above, the Bank may provide or disclosure your personal information to the following recipients (the recipients may also, for the aforesaid purposes, use, process and further disclose the information they receive):
any member of the HSBC Group;
any contractor, subcontractor, agent, third party product or service provider, licensor, professional consultant, business partner, or associated person of the HSBC Group (including their employees, directors and officers);
any regulator or other authority of the Bank or any member of the HSBC Group, or any organisation or individual designed by such regulators or authorities;
anyone acting on your behalf, payment recipients, beneficiaries, account nominees, intermediary, correspondent and agent banks (e.g. for CHAPS, BACS, SWIFT), clearing houses, clearing or settlement systems, market counterparties, upstream withholding agents, swap or trade repositories, stock exchanges, companies in which you have an interest in securities (where such securities are held by the Bank for you), or anyone making any payment to you;
any person or related party who has the right or obligation, acquires an interest or assumes risk, in or in connection with any product or service you receive from the Bank, or any business you handle at the Bank or any transaction you make with the Bank (for example, the person who provides or intends to provide any mortgage or other security for any of your debt to the Bank);
other financial institutions, industrial associations, bank card organisations, credit reference agencies or credit bureaus (including without limitation the People’s Bank of China’s credit information database), information service providers;
any third party fund manager providing you with asset management services;
any broker that provides referral, agency or intermediary service to the Bank, or any third party to whom the Bank provides referral, agency or intermediary service;
any party in connection with any business transfer, restructure, disposal (including securitization), merger or acquisition transactions of the Bank;
any person to whom the Bank or any member of the HSBC Group is under an obligation or otherwise required to make disclosure for the aforesaid purposes.
Such provision or disclosure may involve cross border transmission of personal information, including information transmission to jurisdictions which do not have data protection laws that provide the same level of protection as the jurisdiction in which the Bank is located. Whether it is processed in a home jurisdiction or overseas, in accordance with applicable data protection legislation, your personal information will be protected by a strict code of secrecy and security which all members of the HSBC Group, their staff and third parties are subject to.
You have the right to request us to protect and secure your personal information in accordance with the provisions of the law, regulation and this Policy.
You have the right to check with the Bank whether the Bank holds your personal formation and to check the personal information your have provided to the Bank.
You have the right to check with the Bank for the Bank’s policies on personal information and privacy protection. When you have any query about this Policy, you have the right to seek explanation/interpretation from the Bank to help you understand our practices regarding personal information and privacy protection and their possible consequence, and understand your rights and interests under this Policy in relation to personal information and privacy.
You have the right and obligation to update your personal information at the Bank to ensure all information be accurate and up-to-date. You have the right to require the Bank to provide convenience for you to update your personal information at the Bank and to correct any of your information that is inaccurate.
In relation to consumer credit, you have the right to request to be informed of your personal information that is disclosed to credit reference agencies by the Bank, so as to enable your request to the relevant credit reference agency for an access to and correction of your information.
To the extent allowed by law and regulation, the Bank reserves the right to charge a reasonable fee for the processing of any information access or correction request. Requests for access to or correction of personal information, for the Bank’s policies and practices regarding personal information and privacy protection, or for any personal information held by the Bank should be addressed to:
HSBC Bank (China) Company Limited
38/F HSBC Building, Shanghai IFC, 8 Century Avenue, Pudong, Shanghai, 200120
If at any time you would like us to cease using or providing to others your personal information for advertisement promotion purpose, you are entitled to notify the Bank and exercise your right of choice not to receive such advertisement promotion any more. If you so choose to reject advertisement promotion message, please contact our Call Centre by calling +86 400-820-8878. After receipt of your request we will, as soon as practical (usually no later than 30 days from your request), take actions to ensure no more advertisement promotion message should be sent to you.
You may supervise or make suggestions for the Bank’s practices regarding personal information and privacy protection, and to lodge complaints or demand compensation according to law against the Bank or its staff for any infringement of your rights and interests in your personal information and privacy.
Nothing in this Policy shall limit your rights as a personal information subject under Chinese law.
Note: In case of discrepancy between the Chinese and English versions, the Chinese version shall apply and prevail.
IMPORTANT: When you apply for or use any product, device or service of the Bank, handle any business at the Bank, make any transaction or enter into relevant agreement with the Bank, visit, browse, use any website or mobile device application of the Bank, participate in any marketing events and surveys of the Bank, apply for any position at the Bank, and/or in any way contact or correspond with the Bank, you will be deemed having accepted the above terms of this Policy and agreed that the Bank may collect, use and disclose your relevant information according to this Policy.