HSBC | Your Point of View | Terms and Conditions

By accessing this website ('Site'), you agree to be bound by the following terms and conditions (the 'Terms'). Before using this Site, you should read carefully the Terms.

In these Terms

'Content' means all pages, screens, information and materials included in or accessible through this Site (including any content available on any email or SMS services).
'you', 'your' and 'yours' means you, the person(s) accessing this Site.
'we', 'us' and 'our' means HSBC Holdings plc.
'HSBC Group' means HSBC Holdings plc, its subsidiaries and associated companies from time to time.

Terms

These Terms cover your use of this Site.
Please make sure you read carefully all applicable terms, conditions and disclaimers relevant to your use of the products, services or information that may be offered to you from time to time.
Information or opinions contained on this Site do not constitute investment advice or an offer to sell or a solicitation, or offer to buy, any securities or financial instruments.
Should you seek to rely in any way whatsoever upon any content contained on this Site, you do so at your own risk.
Before you make any decision or take any action that might affect you or your personal finances or business, you should always consult a suitably qualified professional adviser.

Changes To Our Terms

We may change these Terms at any time by updating these pages.
You agree to review any applicable terms and conditions regularly and that your use of any part of this Site will be subject to any such changes once they are made.

Availability Of Site

The content, including layout, of this Site or products or services available via this Site may be wholly or partially suspended, withdrawn or changed at any time.
We also reserve the right at any time to immediately suspend the provision of all or any part of this Site to you and/or block your access to this Site.

The following provisions under 'No Warranties' and 'Exclusion of Our Liability' exclude or limit our legal liability for this Site. You should read them carefully.

No Warranties

Other than the warranties and representations contained in these Terms, all other warranties and representations, whether express, implied or statutory are, to the fullest extent permitted by the law, excluded. Use of this Site is at your sole risk.
We do not represent that:
any information contained on this Site will be accurate, complete or up to date or meet your specific requirements,
this Site will be available at all times,
access to this Site will be uninterrupted or that there will be no delays, failures, errors or omissions or loss of information as this Site is transmitted to you,
no viruses or other contaminating or destructive materials or elements will be transmitted or that your computer system will not be damaged.
We do not provide any guarantee about the accuracy, functionality or performance of any third party software, content or equipment used in connection with this Site.

Exclusion Of Our Liability

To the extent permitted by law, neither we nor any member of the HSBC Group shall be liable for any damage, loss or liability (whether arising in contract, tort, including negligence, or otherwise) arising out of or in connection with:
your use of this Site,
your reliance on or your inability to use the information, products or services on this Site, or
any failure or performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure to this Site or your use or attempted use of it
The above exclusions apply to any damage which is direct, indirect, special, incidental or consequential or consists of loss of profits, business, opportunity or data.
All of the above exclusions apply even if you have advised us or any member of the HSBC Group of the possibility of the above types of damage, loss or liability.
Nothing in these Terms shall exclude the liability of any member of the HSBC Group for personal injury or death due to our negligence.

Your Obligations

Your use of this Site- you may not use this Site or permit others to use this Site
in any way (including via electronic means) and for any purpose which is unlawful, defamatory or libellous, offensive, abusive, indecent, menacing or threatening or in any way breaches any intellectual property rights or obligations of confidence, or
to cause annoyance, inconvenience or needless anxiety to any other person or in any other way which is in violation of any applicable law or regulation in any jurisdiction in the world, or
to introduce a virus or other disruptive material or element or otherwise disrupt or impair this Site or any communication service.

Links To Our Sites

Neither you nor any other party may use any part of this Site on any other website, or link any other website to this Site, without our prior written permission.
We are not responsible for the set up of any link from a third party website to our Site.
Neither you nor any other party may deep link to, frame, spider, harvest or scrape the Content or otherwise access the Content for any purposes, or use any machine, electronic, web based or similar device to read or extract the Content by machine based or automated means, without our prior written permission.

Intellectual Property Rights

Our Rights- all intellectual property rights (including, without limitation, copyright, database rights, design rights, patents and trademarks) in the Content are owned by or licensed to us unless otherwise stated.
HSBC - HSBC and the HSBC logo are trademarks of HSBC Holdings plc and all rights and benefits in them vest in HSBC Holdings plc.
Copying by you and your access to the Site - you may print, copy, download or temporarily store extracts from this Site for your personal use or to help you use our products and services. You must not alter any extract contained on or obtained from this Site in any form. Any other use is prohibited unless you first get our written permission. Without limiting the above, unless you first get our written consent, you may not reproduce, modify, adapt, transmit, publish, broadcast, create derivative works of, store, archive or in any way exploit any of the Content. Without limitation, neither you nor any other party may do any of the following without prior written consent from us:
create any data base in electronic or structured manual form by systematically downloading and storing all or any of the Content; or
redistribute any of the Content (including by using it as part of any syndication, content aggregation, archive or similar service); or
remove the copyright or trademark notice from any copies of Content made in accordance with these Terms.

Internet And E-mail Communications

Messages sent over the Internet (including e-mail) cannot be guaranteed to be completely secure as they are subject to possible interception, monitoring, delay, loss or alteration.
Neither we nor any other member of the HSBC Group are responsible for any such messages nor liable to you or anyone else for any damages or otherwise in connection with any messages sent by you to us or any other party or any messages sent or appearing to be sent by us or any third party to you over the Internet (including e-mail). You should not include any sensitive or confidential information in such messages.

Our Monitoring Of Communications

To help us improve our service and in the interest of security, we may monitor and/or record communications (whether over the Internet, telephone or otherwise) between you and us.

Data Protection

We may as a result of your interaction with the Site hold and process personal information obtained about you when you access the Site for the purpose of sending marketing information, if you have indicated that you wish to receive this during your registration to this Site and to provide you with updates about this Site. We may also use your personal information for servicing our relationship with you, to understand your financial needs, to conduct our business and to provide you with better customer services and products from both within the HSBC Group and those of selected third parties, to evaluate the effectiveness of our marketing of the Site and for statistical analysis. We may pass this information to other members of the HSBC Group or agents, as permitted by law so that they may do the same and they may pass information held by them about you to us so that we may do the same. We will not disclose any such information outside of the HSBC Group except for fraud prevention purposes and/or if required/obliged by law or Governmental or judicial bodies or agencies or to our regulators under proper authority, or under a strict code of secrecy to sub-contractors or persons acting as our agents or where we have your consent or have previously informed you.

We may also in connection with the above and the provision of the Site transfer your personal data to countries outside the European Union (EU), which may not provide the same level of protection for personal data as within the EU. However, all personal data wherever it is held in the HSBC Group or by its sub-contractors or agents will be afforded a high level of protection against any authorised or accidental disclosure, access or deletion. By agreeing to these Terms you agree to such data being so used as set out in these Terms and that it may be transmitted to others as stated above.

Children

This Site is not intended to be used by minors.

Governing Law

These Terms are governed by and are to be interpreted in accordance with the laws of England and Wales.
The courts in England and Wales will have non-exclusive jurisdiction in respect of any dispute which may arise in connection with the Terms or your use of this Site.