We Value Your Privacy

At Westernhsbc. (hereinafter called “Westernhsbc”), we treat your personal information as private and confidential. We are dedicated to protecting your privacy and providing you with the highest level of security at any point of interaction with us. This Privacy Policy describes what personal information we collect, what we do with it and how we protect it.

This policy (together with our Terms and Conditions) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By continuing to visit our website (www.Westernhsbc.com) and other Westernhsbc customer touchpoints, you accept and consent to the practices described in this policy.

Information We Collect and Use

We collect information about you from a variety of sources, such as: website visits, applications, identification documents, curriculum vitae, personal financial statements, interactions with relationship managers, and other third parties (credit bureaus, payment gateways, other financial institutions…) and other written or electronic communication reflecting information such as your name, address, passport details, identification numbers, biometric information, telephone number, occupation, assets, income and any other information we deem necessary.

We may use your transactional account history including your account balance, payment records, and debit/credit card usage. We may also use information received from third parties such as family, solicitors, friends or employers, website/ social media pages made public by you, government agencies, regulators, supervisory or credit agencies.

Use of Your Personal Information

The collection and use of personal data by Westernhsbc is guided by certain principles. These principles state that personal data should

• be processed fairly, lawfully and in a transparent manner.
• be obtained for a specified and lawful purpose and shall not be processed in any manner incompatible with such purposes.
• be adequate, relevant and limited to what is necessary to fulfil the purpose of processing.
• be accurate and where necessary, up-to-date. In the event data is inaccurate, steps should be taken to rectify or erase such data.
• not be kept for longer than necessary for the purpose of processing.
• be processed in accordance with the data subject’s rights
• be kept safe from unauthorised processing, and accidental loss, damage or destruction using adequate technical and organizational measures.

Any personal information provided by you to Westernhsbc will be used with your consent, or  under the following underlisted instances:

• Cases where processing of personal data is required for the fulfilment of a contractual obligation. 
• Cases where processing of personal data is required for compliance with legal and/or regulatory requirements.
• Cases where processing is required to protect your vital interest or that of any other natural person.
• Cases where processing is required for an activity to be carried in significant public interest.  
• Cases where processing is required for legitimate interests of Westernhsbc or a third party insofar as this does not conflict with the requirements for the protection of your personal data.

Your personal information is used in:

• Updating and enhancing Westernhsbc’s records
• Executing your instructions.
• Establishing your identity and assessing applications for our products and services
• Pricing and designing our products and services
• Administering our products and services
• Managing our relationship with you
• Managing our risks 
• Identifying and investigating illegal activity (i.e.), such as fraud
• Contacting you, for example in instances where we suspect fraud on your account or when the need arises to tell you about recent occurrences in the banking sector or some event(s) of significance.
• Conducting and improving our businesses and improving your experience with us
• Reviewing credit or loan eligibility.
• Preventing money laundering or terrorism financing activities.
• Complying with our legal obligations and assisting government and law enforcement agencies or regulators/supervisors
• Identifying and informing you about other products or services that we think may be of interest to you.
• Processing your job application if you apply for a job with us.  

 We may also collect, use and exchange your information in other ways permitted by law.