HSBC BANK NEVADA, N.A.
A Privacy Statement for Neiman Marcus and Bergdorf Goodman Cardholders
Introduction - Our Commitment to You
HSBC Bank Nevada, N.A. (“HSBC”) is proud to be the issuer of the Neiman
Marcus and the Bergdorf Goodman private label credit card, each of which
allows you to charge purchases from The Neiman Marcus Group, Inc.(“Neiman
Marcus Group”), which includes Bergdorf Goodman, Inc., and their various
affiliated companies. This Privacy Statement describes the collection, use, and
protection of information about you and your Neiman Marcus and/or Bergdorf
Goodman credit card account. This policy has been in effect as of July 2005.
HSBC is part of a financial services organization that has been providing
superior products and services to its customers for more than 150 years. We
greatly appreciate the trust that you and millions of customers have placed in
us, and we will protect that trust by continuing to respect the privacy of all our
applicants and customers even if our formal customer relationship ends.
What Information We Collect
It is important for you to know that in order to ensure that our customers get the
very best service and the highest quality products, HSBC collects demographic
information (such as your name and address) and credit information (such as
information related to your accounts with us and others). This information is
collected from the following sources:
• Information we receive from you on your application or other form;
• Information you provide by telephone or in person to a Neiman Marcus
sales associate, Bergdorf Goodman sales associate or other representative;
• Information about your transactions on your account with us, or our affiliates;
• Information from an outside source such as your credit bureau report;
• Information about your Internet usage if you visit our website.
How We Share Information with Neiman Marcus Group
In order to provide you with the benefits and services available to you as a
Neiman Marcus or Bergdorf Goodman cardholder, it is necessary for HSBC
to share certain information about you with Neiman Marcus Group. Neiman
Marcus Group includes Neiman Marcus Stores, Neiman Marcus Direct (including
Horchow), and neimanmarcus.com, in addition to Bergdorf Goodman, Inc.,
including Bergdorf Goodman Stores and bergdorfgoodman.com. Your Neiman
Marcus or Bergdorf Goodman credit card can be used to make purchases at
all of these locations.
The information we share with Neiman Marcus Group may come from your application,
such as your name, address, e-mail address, telephone number, and
social security number. Neiman Marcus Group may have also received some
or all of this information from you. The information we share may also come
from your transactions with us, such as your account number, information about
your credit card purchases and your account performance. Neiman Marcus
Group uses the information we share solely in connection with providing the
benefits and services available to you as a Neiman Marcus or Bergdorf Goodman
cardholder.
Except for accounts with Vermont mailing addresses, we may also share nonpublic
personal information about you with Neiman Marcus Group which Neiman
Marcus Group may use to provide you with information about benefits
and services available to you as a Neiman Marcus Group customer, but that
are not necessarily related to your account with us. This information comes
from the sources described above and may include your name, address, and
account experience with us.
You may tell us not to share information with Neiman Marcus Group as set
forth in the immediately preceding paragraph by completing the form below.
For Vermont, state law requires us to obtain your permission in order to share
information about you in this way, and we will not share information about
you in this way unless you authorize us to do so. We will automatically treat
accounts with Vermont mailing addresses as if they have opted out of such
information sharing.
How We Share Information with Companies Affiliated with HSBC
From time to time, for general business purposes such as fraud control, or when
we think it may benefit you, we share certain information with our companies
in our corporate family (e.g., Affiliates), except as prohibited by applicable
law. These affiliated companies, doing business under the HSBC name, all provide
financial services, such as banking, insurance, mortgage, and brokerage
services. The information we share might come from your application, such as
your name, address, telephone number, and e-mail address. Also, the information
we share could include your transactions with us or our Affiliates (such as
your account balance, payment history, and parties to the transaction), your
Internet usage, or credit card usage.
How We Share Information with Other Third Parties
We may provide information to non-affiliated companies that perform operational,
collection, or fraud control services related to your account. The sharing
of information with these types of companies is permitted by law. Such a
company might include a financial company (such as an insurance service
provider) or a non-financial company (such as a data processor or internet service
provider) with whom we have a service agreement. These companies are
contractually obligated to protect the information that they receive from us and
may not use it for any other purpose other than for performance of services on
behalf of HSBC. The information we may share also comes from the sources
described above and might include your name, address, phone number, and
account experience with us.
Finally, we may provide information about you to non-affiliated companies
such as credit reporting agencies and companies which provide services related
to your account. This information sharing is also permitted by law.
Security of Your Information
Safekeeping of your non-public personal information is a high priority. We
maintain physical safeguards, such as secure areas in buildings; electronic
safeguards, such as passwords and encryption; and procedural safeguards,
such as customer authentication procedures to detect identity theft. We restrict
access to information about you to only those who need to know that information
to provide products or services to you. We carefully select and monitor outside
service providers, such as mail vendors, who have access to customer information,
and we require them to keep it safe and secure. We do not allow them to
use or share the information for any purpose other than to perform the service
for which they are engaged. We train our employees with respect to security
procedures and monitor compliance therewith.
How to Opt-Out of Information Sharing with Our Affiliates (Applicable to residents
of all states except Vermont)
If you prefer that we not disclose nonpublic personal information about you to
our Affiliates, you may opt-out of those disclosures, that is, you may direct us
not to make those disclosures (other than disclosures permitted by law) by mailing
it to the following address:
The Neiman Marcus Group, Inc.
P.O. Box 720937
Dallas, Texas 75372-0937
We will be happy to comply with your request. This request will not apply to
information about your transactions or experience with HSBC (such as account
information, account usage, or payment history) and will only apply to the
private label accounts you have with HSBC. Private Label accounts are not
general purpose accounts such as MasterCard® or Visa ® , but are accounts
that may be used only at the specific merchant(s) named on the credit card. An
opt-out request by any party on a joint account will apply to all parties on the
joint account. Vermont residents are automatically opted-out of credit information
sharing with our Affiliates.
How to Opt-Out of Information Sharing with Neiman Marcus Group (Applicable
to residents of all states except Vermont)
If you do not want us to share your non-public personal information with Neiman
Marcus Group for purposes that are unrelated to your account with us,
please let us know by mailing it to the following address:
The Neiman Marcus Group, Inc.
P.O. Box 720937
Dallas, Texas 75372-0937
We will be happy to comply with your request. Your request will not apply to
the sharing of information which we are permitted or required by law to share,
and will only apply to the private label accounts you have with HSBC. If your
account with HSBC is a joint account, an opt-out by any party on the joint account
will apply to all parties on the account. Vermont residents are automatically
opted-out of information sharing with Neiman Marcus Group that is not
otherwise permitted or required by applicable law.
Changes to Privacy Statement
We reserve the right to modify or supplement our Privacy Statement at any
time. If we make material changes, we will provide our current customers with
a revised notice that describes our new practices. The current Privacy Statement
applicable to Neiman Marcus and Bergdorf Goodman credit cards will
always be available at the neimanmarcus.com and bergdorfgoodman.com
web sites.
The Neiman Marcus Group Privacy Policy
Neiman Marcus Group also wants you to be aware that whenever you shop
with Neiman Marcus or Bergdorf Goodman - online, through their catalogs,
or in the stores - Neiman Marcus Group obtains information from you needed
to complete the transaction, including the specific products or services you
purchase or use, which is shared among Neiman Marcus corporate affiliates.
A separate privacy policy describing the collection, use, and protection of this
and other information about you and your relationship to the Neiman Marcus
Group companies is available at neimanmarcus.com or bergdorfgoodman.
com, at any Neiman Marcus or Bergdorf Goodman location, or by writing
to The Neiman Marcus Group, Inc. P.O. Box 720937, Dallas, Texas 75372-
0937.
