www.hsbc.com.au
Open in
urlscan Pro
13.224.181.18
Public Scan
Submitted URL: http://www.hsbc.com.au/1/2/footer/privacy-and-security
Effective URL: https://www.hsbc.com.au/privacy-policy/
Submission: On October 27 via api from US — Scanned from AU
Effective URL: https://www.hsbc.com.au/privacy-policy/
Submission: On October 27 via api from US — Scanned from AU
Form analysis 2 forms found in the DOM
/search/
<form role="search" action="/search/">
<label class="visuallyhidden" for="search"> </label>
<input type="text" id="search" class="search-box qtext" autocomplete="off" placeholder="Search" name="q" aria-label="Input" required="" pattern=".*[^\s]+.*" data-validation-message="Please enter a search term">
<span role="status" aria-live="polite" class="visuallyhidden"> Search </span>
<button class="header-search-button va-search" aria-label="Search" data-aria-label-open-searchbox="Search" data-aria-label-close-searchbox="Close search box" data-aria-label-display-search-results="Display" type="button">
<span class="icon-search"></span>
</button>
<button type="button" class="header-clear-container" aria-label="Delete" style="display: none;">
<span class="icon-circle-delete" aria-hidden="true"></span>
</button>
</form>/search/
<form action="/search/" role="search">
<input aria-owns="results" type="text" autocomplete="off" class="search-box qtext" aria-label="search field " aria-autocomplete="list" placeholder="Search" name="q" required="" pattern=".*[^\s]+.*"
data-validation-message="Please enter a search term" aria-activedescendant="">
<span role="status" aria-live="polite" aria-atomic="true" class="visuallyhidden"> Suggestion </span>
<button type="submit" class="header-search-button" aria-label="Display" tabindex="-1" aria-hidden="true">
<span class="icon-search" aria-hidden="true"></span>
</button>
<button type="button" class="clear-container hidden" aria-label="Delete">
<span class="icon-circle-delete" aria-hidden="true"></span>
</button>
</form>Text Content
* Skip page header and navigation
* Personal
* Corporate
* Global Banking and Markets
* Private Banking
* Language English
* Search
Suggestion
* Register
* Back to my accounts
* Log On Log off
* Online Banking
* HSBC Invest
* Banking Accounts & credit cards
TRANSACTION ACCOUNTS
* Everyday Global Account
* Day to Day Account
* Visa Debit Card
* Learn about bank accounts
SAVINGS ACCOUNTS
* Everyday Savings
* Bonus Savings
* Term deposits
* Learn about saving
CREDIT CARDS
* Star Alliance Credit Card
* Platinum Credit Card
* Platinum Qantas Credit Card
* Low Rate Credit Card
* Premier Credit Card
* Compare all credit cards
HSBC PREMIER
* What is HSBC Premier
* Apply for HSBC Premier
* Premier's global benefits
* Premier children's account
ALREADY BANK WITH US?
* Access online banking
* Credit card rewards
* Activate a visa debit card
* Activate a credit card
* Add an additional cardholder
* Query a transaction
* Fraud assistance
* Retrieve an application
* Borrowing Home & personal loans
BUYING PROPERTY
* First home buyers
* Investing
* Refinancing
TOOLS & CALCULATORS
* How much can I borrow
* Repayment calculator
* Stamp duty calculator
HOME LOANS
* Home Value
* Variable rate
* Fixed Rate
* Home Smart
* Home Equity
* See all home loans
LOANS
* Personal loans
* Renovation loans
* Debt consolidation
* Car loans
* See all loans
ALREADY BORROW WITH US?
* See our home loan rates
* Loan repayment support
* Home insurance
* Landlord insurance
* Retrieve an application
* Investing Trading & insights
ONLINE TRADING
* HSBC Invest
ACCREDITED INVESTORS
* Why become accredited
* How to qualify
* Structured Products
INVESTMENT PRODUCTS
* Australian shares
* Exchange traded funds
* Managed Funds
* Bonds
OTHER INVESTMENTS
* Property
* Term deposits
INSURANCE
* Building & Contents
* Landlord
* Car
ALREADY INVEST WITH US?
* Log into your account
* Market news & insights
* Portfolio reporting
* Retrieve an application
* International Foreign exchange & relocating
MOVING TO AUSTRALIA
* Opening an account
* Studying in Australia
* Living in Australia
* Buying property in Australia
OVERSEAS BANKING
* Opening accounts overseas
* International services
FOREIGN EXCHANGE
* Multi-currency accounts
* International transfers
* Real time rates calculator
* Markets Desk
* FX Order Watch
HSBC PREMIER
* What is HSBC Premier
* Apply for HSBC Premier
* Premier's global benefits
* Premier children's account
ALREADY BANK WITH US?
* Open a new account
* Send money overseas
* Premier global transfer
* Call the Markets desk
* Help & Support Services & security
GET IN TOUCH
* Branch finder
* Contact us
* HSBC Chat
* Feedback and complaints
EXTRA CARE
* Money worries
* Support resources
WAYS TO BANK
* Mobile banking
* Online banking
* Phone banking
* Switching to HSBC
HOW TO GUIDES
* Move money
* Global transfers
* BPAY and payments
* Using Apple Pay
* Using Google Pay
FRAUD, SCAMS & SECURITY
* What to do if you've been scammed
* Protecting yourself from scams
* Common types of scams
* HSBC Safeguard
* Online banking security
ALREADY BANK WITH US?
* Online banking support
* Query a transaction
* Your Digital Secure Key
* Setting up eStatements
* Maintenance schedule
* Find a form
Menu
Suggestion
Suggestion
* Banking Accounts & credit cards
TRANSACTION ACCOUNTS
* Everyday Global Account
* Day to Day Account
* Visa Debit Card
* Learn about bank accounts
SAVINGS ACCOUNTS
* Everyday Savings
* Bonus Savings
* Term deposits
* Learn about saving
CREDIT CARDS
* Star Alliance Credit Card
* Platinum Credit Card
* Platinum Qantas Credit Card
* Low Rate Credit Card
* Premier Credit Card
* Compare all credit cards
HSBC PREMIER
* What is HSBC Premier
* Apply for HSBC Premier
* Premier's global benefits
* Premier children's account
ALREADY BANK WITH US?
* Access online banking
* Credit card rewards
* Activate a visa debit card
* Activate a credit card
* Add an additional cardholder
* Query a transaction
* Fraud assistance
* Retrieve an application
* Borrowing Home & personal loans
BUYING PROPERTY
* First home buyers
* Investing
* Refinancing
TOOLS & CALCULATORS
* How much can I borrow
* Repayment calculator
* Stamp duty calculator
HOME LOANS
* Home Value
* Variable rate
* Fixed Rate
* Home Smart
* Home Equity
* See all home loans
LOANS
* Personal loans
* Renovation loans
* Debt consolidation
* Car loans
* See all loans
ALREADY BORROW WITH US?
* See our home loan rates
* Loan repayment support
* Home insurance
* Landlord insurance
* Retrieve an application
* Investing Trading & insights
ONLINE TRADING
* HSBC Invest
ACCREDITED INVESTORS
* Why become accredited
* How to qualify
* Structured Products
INVESTMENT PRODUCTS
* Australian shares
* Exchange traded funds
* Managed Funds
* Bonds
OTHER INVESTMENTS
* Property
* Term deposits
INSURANCE
* Building & Contents
* Landlord
* Car
ALREADY INVEST WITH US?
* Log into your account
* Market news & insights
* Portfolio reporting
* Retrieve an application
* International Foreign exchange & relocating
MOVING TO AUSTRALIA
* Opening an account
* Studying in Australia
* Living in Australia
* Buying property in Australia
OVERSEAS BANKING
* Opening accounts overseas
* International services
FOREIGN EXCHANGE
* Multi-currency accounts
* International transfers
* Real time rates calculator
* Markets Desk
* FX Order Watch
HSBC PREMIER
* What is HSBC Premier
* Apply for HSBC Premier
* Premier's global benefits
* Premier children's account
ALREADY BANK WITH US?
* Open a new account
* Send money overseas
* Premier global transfer
* Call the Markets desk
* Help & Support Services & security
GET IN TOUCH
* Branch finder
* Contact us
* HSBC Chat
* Feedback and complaints
EXTRA CARE
* Money worries
* Support resources
WAYS TO BANK
* Mobile banking
* Online banking
* Phone banking
* Switching to HSBC
HOW TO GUIDES
* Move money
* Global transfers
* BPAY and payments
* Using Apple Pay
* Using Google Pay
FRAUD, SCAMS & SECURITY
* What to do if you've been scammed
* Protecting yourself from scams
* Common types of scams
* HSBC Safeguard
* Online banking security
ALREADY BANK WITH US?
* Online banking support
* Query a transaction
* Your Digital Secure Key
* Setting up eStatements
* Maintenance schedule
* Find a form
* Language English
* About HSBC
* CONTACT HSBC
Enquire online, call or send a message
* FIND A BRANCH
Find your nearest HSBC branch location
* FREQUENTLY ASKED QUESTIONS
See FAQs on our products
* ABOUT HSBC
Careers, media, investor and corporate information
* Site Terms
* Hyperlink Policy
* Cookie policy
* Legal & Privacy
* Important Notices
Language
* Selected English
* Register
* Back to my accounts
Close menu
Log On Expanded press enter to collapse Collapsed press enter to expand Log off
* Online Banking
* HSBC Invest
Top of main content
PRIVACY POLICY AND COLLECTION NOTICE
Your personal information is important to us. So, we are careful about how we
collect, store, use and share your personal information.
This privacy policy and collection notice (Privacy Policy) explains how HSBC
Bank Australia Limited collects and handles your personal information to provide
you with products and services.
See HSBC's Mobile App Privacy PolicyHSBC's Mobile App Privacy Policy find out
more about HSBC Australia mobile banking app - app privacy policy for additional
information on how we handle your information when you use our mobile app.
1. HSBC AU
2. Privacy Policy
HOW WE COLLECT AND STORE YOUR INFORMATION
WE COLLECT YOUR INFORMATION:
* when you interact with us
* when you visit our websites or use our products, services and mobile apps
* from other people and companies (such as described in section B)
* from other HSBC group companies
* when we generate it through the use of cookies and similar technology.
We store your information in physical or electronic form on our systems, our
service providers' systems or a third party cloud locally or overseas.
WHAT WE USE YOUR INFORMATION FOR
WE USE YOUR INFORMATION:
* to provide products and services to you and respond to your queries
* to market products or services to you if you've given us your consent to do
so
* to comply with laws, regulations and requirements, including our internal
policies
* to help us to prevent financial crimes
* to improve our products, services and marketing
* for the other purposes set out in section A.
WHO WE SHARE YOUR INFORMATION WITH
WE MAY SHARE YOUR INFORMATION:
* with others who help us provide services to you or who act for us (such as
our professional advisers)
* with other HSBC group companies, locally and overseas
* with third parties, if you consent to us sharing your information with them
* with local or overseas law enforcement agencies, industry bodies, regulators
or authorities
* with the other third parties set out in section C.
We comply with the laws of Australia.
YOU CAN ACCESS YOUR INFORMATION
You can request access to the information we store about you. We may charge a
fee for this.
You can also ask us to correct or update your information.
YOU CAN SET OR AMEND YOUR MARKETING PREFERENCES
You can contact us at any time if you don't want us to send you direct marketing
via certain channels, such as email or post.
Call 1300 308 008
Visit your local HSBC branchHSBC branch for more details about branch
YOU CAN CONTACT US ABOUT HOW WE HAVE HANDLED YOUR INFORMATION
privacy@hsbc.com.au
The Privacy Officer
HSBC Bank Australia Ltd
GPO Box 5302
SYDNEY NSW 2001
MORE DETAILS
A. INFORMATION USE
YOUR INFORMATION MAY BE USED TO
* assess you for products and services and enable us to provide and operate
them
* conduct verification or credit checks and reviews on you, obtain or provide
credit references or detect fraudulent applications
* manage our business, including our human resources, credit and other risk
management functions and to comply with our internal policies
* design and improve our products, services and marketing
* provide you with marketing information (find out more in section C) and
personalised advertising (including by aggregating your information with
information of others)
* exercise our rights under contracts with you, including collecting any
amounts you owe us
* comply with compulsory or voluntary requirements that we or the HSBC group
has such as legal, tax, regulatory, sanctions or market requirements in
Australia and overseas
* comply with requests made by different bodies or authorities such as legal,
regulatory, law enforcement, government and tax authorities in Australia and
overseas. Sometimes we may have to comply with such requests and other times
we may choose to voluntarily comply
* comply with our or any HSBC group company's policies, procedures and other
commitments in the detection, investigation and prevention of financial and
other crimes. This may involve sharing your information in Australia and
overseas. This is important in our wider fight against these crimes
* allow any company that we transfer our business or assets to, to evaluate our
business and use your information after any transfer
* any other uses for which you have given consent
* any other purpose relating to any of the purposes above.
This Privacy Policy will apply for as long as we store your information. We'll
review this Privacy Policy once a year and may make changes. We'll publish a
copy of the latest Privacy Policy on our website and send you a copy on request.
B. INFORMATION COLLECTION AND STORAGE
WE MAY COLLECT AND HOLD
* information (including sensitive information) that you give to us, such as
your contact and identification details, tax file number or information about
your race or ethnic origin (for instance, we may ask you what language you
would prefer to communicate with us in)
* biometric information such as your voice ID and facial recognition
information
* information about your personal circumstances such as significant life events
or information about your health;
* your geographic information and location information based on your mobile or
other electronic device
* information required under law as set out in section D.
If you don't give us information then we may be unable to provide products or
services, or your use or access may be limited.
We may also collect information about you from third parties such as:
* people who act for you or who you give consent to transfer information to us
* publicly available sources or agencies that collect information which they
use to create statistics or to verify your identity
* credit reference, debt collection, fraud prevention and government agencies
* those you deal with through our services.
We may generate information about you
* by combining information that we and other HSBC group companies have
collected about you and based on the analysis of your interactions with us
* through the use of cookies and similar technology when you access our website
or apps. See our cookies policy on hsbc.com.au for more details.
PROTECTING YOUR STORED INFORMATION
While we store it, your information is protected by physical, electronic and
procedural safeguards (which may include encryption and other forms of security)
and governed by the laws of Australia and the Australian Privacy Principles.
Our third party service providers that receive your information are also
required to comply with strict measures to protect your information and to apply
appropriate measures for the use and transfer of information.
Information collected may be retained and used by us for a reasonable period in
accordance with our data retention policy. For example, we normally keep your
main banking information for a period of seven years from when our relationship
with you ends. This allows us to comply with legal and regulatory requirements
or use it where we need to for our legitimate purposes such as managing your
account and dealing with any disputes or concerns that may arise. We may need to
keep your information for longer where we need the information to comply with
regulatory or legal requirements, help detect or prevent fraud and financial
crime, answer requests from regulators etc. If we don't need to keep information
for this length of time, we may destroy, delete or anonymise it sooner.
IF YOU PROVIDE INFORMATION ABOUT OTHERS
If you provide information to us about another person (such as a joint account
holder, trustee, beneficiary or guarantor) you must make sure they know you have
done this, and agree to us processing their information as set out in this
Privacy Policy. You also need to tell them how to find a copy of this Privacy
Policy.
C. INFORMATION SHARING
WE SHARE YOUR INFORMATION WITH
* HSBC group companies or business divisions
* third parties who provide services to us or who you have consented to us
sharing your information with
* other third parties we work with or parties we need to share with for the
purpose of acting on your instructions
* any bodies or partnerships between law enforcement and the financial sector
or authorities, such as legal, regulatory, law enforcement, government and
tax authorities in Australia or overseas or anyone acting for them
* any person who you hold a joint account with, people who can give
instructions for you and anyone who may give security for your loans
* any third party who we may transfer our business or assets to
* partners and providers of reward, co-branding or loyalty programs, charities
or non-profit organisations
* social media advertising partners (who can check if you hold an account with
them for advertising purposes and the partner may then use your information
to send our adverts to you and advertise to people who have a similar profile
to you).
We may share your anonymised information with other parties not listed above. If
we do this you won't be identifiable from this information.
STORING YOUR INFORMATION OVERSEAS
We may transfer and store your information overseas (see section D). Where those
countries don't have the same level of protection for personal information,
we'll take reasonable steps to ensure overseas recipients provide the same level
of protection.
DIRECT MARKETING
This is when we use your personal information to send you details about
products, services and offers such as financial, insurance or related products
and services provided by us or our co-branding partners, rewards, loyalty
privileges or charities. We'll only do this if you've consented (including by
your indication of no objection to us).
We may use your contact details and information such as your demographic
information, products and services that you are interested in, transaction
behaviour, portfolio information, location information, social media
information, analytics and formation from third parties when we market to you.
You can tell us anytime if you don't want to receive marketing from us by
clicking the "unsubscribe" links in our emails, contacting us (it may take a
short time to update our records to reflect any change), or updating your
preferences on social media platforms.
We'll need to get your separate consent to share your information with others
for them to market their products and services to you.
D. YOUR RIGHTS
For personal information that is not Consumer Data Right (CDR) data, you can
request access to your information. You can also correct information that we
hold about you and give feedback. We may be unable to provide you with access to
some information. If so, we'll explain why not unless it's illegal to tell you.
You can also ask us to explain our data policies and practices.
For personal information that is CDR data, please refer to the 'Consumer Data
Right' sub-heading below and to the link to our CDR Policy on information about
your rights to access and correct your CDR data.
INFORMATION WE ARE REQUIRED OR AUTHORISED UNDER LAW TO COLLECT
We collect the following information because we are required or authorised by or
under Australian law:
* your identification information under the Anti-Money Laundering and
Counter-Terrorism Financing Act 2006 (Cth) and Anti-Money Laundering and
Counter-Terrorism Financing Rules Instrument 2007 (No. 1)
* where you apply for consumer credit – to ascertain and verify your credit or
financial information in accordance with our obligations under the National
Consumer Credit Protection Act 2009 (Cth)
* to determine and report your foreign tax residency status
* your tax file number, if you choose to provide it to us, by the Income Tax
Assessment Act 1936 (Cth)
* to disclose your personal information that CDR data to a third party
accredited data recipient when you authorise us to do so, under Part IVD of
the Competition and Consumer Act 2010 (Cth) and the Competition and Consumer
(Consumer Data Right) Rules 2020 (Cth).
CREDIT INFORMATION
We may ask a credit reporting body to assist in verifying your identify by
providing us with an assessment of whether the information we hold about you
matches their records. The credit reporting body may use this information and
information held by the body of other individuals for the purpose of preparing
and providing this assessment to us.
You may be subject to an Information Match Request in relation to information
held by an Official Record Holder. A corresponding Information Match Result may
be provided to us (via a credit reporting body) if we use the Commonwealth
Attorney General's Department Document Verification Service to verify your
identity. If you would like more information on what these are please visit
www.dvs.gov.auwww.dvs.gov.au This link will open in a new window.
The Privacy Act 1988 (Cth) contains certain exemptions in relation to certain
acts undertaken in relation to employee records and related bodies corporate.
Where appropriate we make use of relevant exemptions in the Act.
This Privacy Policy applies to all HSBC entities operating in Australia. The
contact information for all HSBC entities is as set out in this Privacy Policy.
CONSUMER DATA RIGHT
HSBC Bank Australia Limited (HSBC Australia) is a data holder under the Consumer
Data Right (CDR) regime. As a data holder, you may authorise HSBC Australia to
share specified CDR data that relates to you that HSBC Australia holds, with
third party accredited data recipients. This specified CDR data may contain your
personal information. This Privacy Policy will apply to HSBC Australia's
handling of personal information that is CDR data, unless stated otherwise. For
further information on how HSBC Australia manages CDR data, see its CDR Policy,
which is available herehere go to consumer data right policy page.
COUNTRIES AND TERRITORIES IN WHICH WE OPERATE
HSBC has operations in 63 countries and territories. Our network covers:
Europe (Austria, Belgium, British Virgin Islands, Czech Republic, France,
Germany, Greece, Guernsey, Ireland, Isle of Man, Italy, Jersey,
Luxembourg, Malta, Netherlands, Poland, Spain, Sweden, Switzerland, United
Kingdom)
Asia (Australia, Bangladesh, China, Hong Kong, India, Japan, South Korea, Macau,
Malaysia, Maldives, Mauritius, New Caledonia, New Zealand, Philippines,
Singapore, Sri Lanka, Taiwan, Vietnam)
North and Latin America (Argentina, Bermuda, Brazil, Canada, Chile, Colombia,
Mexico, Peru, Uruguay, United States of America)
Middle East and North Africa (Algeria, Armenia, Bahrain, Egypt, Israel, Kuwait,
Lebanon, Morocco, Nigeria, Oman, Qatar, Saudi Arabia, South Africa, Turkey,
United Arab Emirates).
MAKING A COMPLAINT
If you wish to make a complaint because you believe we have not complied with
the Privacy Act 1988 (Cth), Privacy (Credit Reporting) Code or about the way we
have handled your personal information, you can contact our Privacy Officer at
privacy@hsbc.com.au.
You may also lodge a complaint by contacting the HSBC Customer Relations
Department:
Phone (within Australia, toll free, 8am to 7pm AEST): 1300 308 188
Phone (overseas): +61 2 9005 8181
Post: Customer Relations Team - HSBC Bank Australia Limited, Tower 1 -
International Towers Sydney, 100 Barangaroo Avenue, Barangaroo NSW 2000,
Australia.
We will attempt to respond to any complaints, access or correction requests as
soon as possible, and no later than 30 days once we've verified your identity.
However, if it's a complex matter, we may need to ask you for an extension to
this period and give you the reasons why we need to have the period extended. If
you do not consent to the extension sought by us, we may not be able to resolve
your complaint, access or correction request.
If you are not satisfied with the outcome of your complaint to us, you can
contact the Australian Financial Complaints Authority by sending a complaint
form to:
Post: GPO Box 3, Melbourne, VIC 3001
Phone: 1800 931 678
Email: info@afca.org.au
Web: www.afca.org.auwww.afca.org.au This link will open in a new window
The Australian Financial Complaints Authority is a free service established to
provide you with an independent mechanism to resolve specific complaints.
Alternatively, you can contact the Office of the Australian Information
Commissioner (OAIC) by sending a complaint form to:
Post: GPO Box 5218, Sydney, NSW 2001 or GPO Box 2999 Canberra ACT 2601
Fax: +61 2 9284 9666
Email: enquiries@oaic.gov.au
Please note the OAIC requires any complaint must first be made to the respondent
organisation. The law also allows 30 days for the respondent organisation to
deal with the complaint before a person may make a complaint to the OAIC.
For general enquires call: 1300 363 992
Effective 13 July 2022.
Back to top
* CONTACT HSBC
Enquire online, call or send a message
* FIND A BRANCH
Find your nearest HSBC branch location
* FREQUENTLY ASKED QUESTIONS
See FAQs on our products
* ABOUT HSBC
Careers, media, investor and corporate information
* Site Terms
* Hyperlink Policy
* Cookie policy
* Legal & Privacy
* Important Notices
HSBC GroupHSBC Group View HSBC site This link will open in a new window | © HSBC
Bank Australia Limited ABN 48 006 434 162 AFSL/Australian Credit
Licence 232595 All rights reserved
This website is designed for use in Australia. Cross-border noticeCross-border
notice View Cross-border notice