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 and also our Privacy Statement.
This Site is operated by HSBC Private Bank (UK) Limited, authorised and regulated by the Financial Services Authority, and is listed with the Registration number 124781. HSBC Private Bank (UK) Limited is part of a worldwide group of businesses within the HSBC Group known as HSBC Private Bank which is ultimately owned by HSBC Holdings plc. HSBC Private Bank (UK) Limited is a company and is incorporated as a company in England, under Company Register Number 499482, with its Registered Office at 78 St James’s Street, London SW1A 1EJ. HSBC Private Bank (UK) Limited’s registered VAT Number is (GB) 365 6845 14
This Site provides a portal, or gateway, to the financial services offered by the group of companies known as HSBC Private Bank. The use of the label “HSBC Private Bank” refers to the principal private banking business of the HSBC Group, and in these terms in not an indication of any legal entity or relationship.
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 and the party on whose behalf you are doing so
- ‘we’, ‘us’ and ‘our’ means HSBC Private Bank (UK) Limited
- ‘HSBC Group’ means HSBC Holdings plc, its subsidiaries and associated companies from time to time
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- These Terms cover your use of this Site. All products and services provided by members of the HSBC Group have their own terms and conditions (the ‘Product Terms’). You must read both the Product Terms and these Terms. To the extent that the Product Terms conflict with these Terms or any Local Sites’ terms and conditions then the Product Terms will prevail.
- From this Site we may provide information or hyperlinks to other websites or pages provided by other entities within the HSBC Group (“Local Sites”) and other parties. Your use of Local Sites and other parties’ sites may be subject to their own terms and conditions. You should read them.
- 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.
- If any part of these Terms is found by any court or other competent authority to be invalid, unlawful or unenforceable then such part shall be severed from the rest of the Terms which shall continue to be valid and enforceable to the fullest extent permitted by law.
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- 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.
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Availability of site, products and services
- 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.
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The provision of financial services or products
- Not all the products and services that you may be able to view via the Site are available in all geographical locations. The relevant HSBC Group member reserves the right to make the final determination on whether or not you are eligible for any particular product or service.
- If you choose to enter a website outside your country of residence, you are advised that it may not be legal in that jurisdiction for you to access or use the facilities available on that site and the legal requirements of that jurisdiction may prohibit you from dealing or otherwise transacting in that jurisdiction. No member of the HSBC Group will be liable for any breach of local law or regulation that you may commit as a result of using and accessing a website in a country in which you are not resident.
- Please be aware that some of the products and services listed within the Site and those provided by any other HSBC Group members or third parties that may be accessed via a link from this Site may not be suitable for all investors. Always read the product information fully before committing to any contractual agreement.
- All products or services provided to you by us or any other HSBC Group member shall only be available in the jurisdiction/s within which the member providing the product or service is authorised to operate.
- You agree that any of the products or services provided to you by us or any other HSBC Group member shall be deemed to be provided in the jurisdiction within which the member providing the product or service is authorised to operate.
- The information on the Site refers to services or products which are not available in certain locations, or which, in any relevant location, have components, methods, structures and terms different from the ones described, as well as restrictions on client eligibility. Please contact a relationship manager for details of services and products that may be available to you.
- This Site is not directed to any person in any jurisdiction where (by reason of that person’s nationality, residence or otherwise) the publication or availability of this Site may be prohibited. Persons in respect of whom such prohibitions apply must not access the Site.
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- Information or opinions contained on this Site or in any Local Sites do not constitute an offer to sell or a solicitation, or offer to buy, any securities or financial instruments or investment advice or any advice or recommendation in respect of such securities or other 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(s) to obtain appropriate financial, legal, accounting, tax and other advice.
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- Please note that the value of investments and the income derived from them may fluctuate and an investor may not receive back the amount originally invested. Past performance should not be seen as an indication of future performance and the value and any income arising from any investment referred to on this Site may go down as well as up. In particular you may not get back the full amount invested. Where overseas securities are held the rate of exchange may cause the value of the investment to go up as well as down. Any forecast, projection or target is indicative only and is not guaranteed in any way. We accept no liability for any failure to meet such a forecast, projection or target. Because the difference between the buying and selling price of units/shares which will particularly impact upon the value of your investment in the short term, you should regard unit trusts, Open Ended Investment companies and Life assurance bonds as medium to long term investments.
- In the case of investments for which there is not a recognised market it may be difficult for investors to sell their investment or to obtain reliable information about its value or the extent of the risks to which it is exposed. Changes in current rates of exchange or taxation may have an effect on the value, price or income of investments. Current tax levels and relief may change and the value of any relief depends on individual circumstances.
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Lack of insurance
Research produced by non US Group entities may not be available to clients resident in the United States. In the United States non deposit investment products (including without limitation, securities, annuities and insurance):
- are NOT insured by the Federal Deposit Insurance Corporation;
- are NOT deposits or other obligations of any bank and are NOT guaranteed by any bank; and
- are subject to investment risks, including the possible loss of the full principal amount invested.
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- HSBC Private Bank (UK) Limited and its affiliates and/or their officers directors and employees may own or have positions in any investment mentioned therein or any investment related thereto and may from time to time add to or dispose of any such investment. HSBC Private Bank (UK) Limited and its affiliatesmay act as market maker or have assumed an underwriting position in the securities of companies discussed therein (or investments related thereto) and may sell them to or buy them from customers on a principal basis and may also perform investment banking or underwriting services for or relating to those companies.
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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. They all apply only as far as the law permits and in particular we do not exclude or restrict our duties and liabilities to a client under the rules and regulations for the conduct of business to which we are subject, including any rules and regulations to which we are subject by virtue of our membership of any relevant organisation.
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. We do not exclude or restrict our liabilities or duties to you where or to the extent that this is prohibited by law or regulation. 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,
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.
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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.
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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 other member of the HSBC Group of the possibility of the above types of damage, loss or liability.
Your obligations
Security – it is your sole responsibility adequately to:
- protect and back up your data and equipment,
- undertake reasonable and appropriate precautions against any computer virus or other destructive materials or elements, and
- ensure that your computers and your access to this Site are adequately secured against any unauthorised users.
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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.
- You undertake to comply with any terms notified to you as required from time to time by any third party supplier of data or services to this Site, including but not limited to, where necessary, entering into a direct agreement with such third party in respect of your use of their data.
- You are wholly responsible for the use of the Site by any person using your computer and you must ensure that any such person complies with the Terms.
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- Links to Third-Party Sites – where we provide hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any websites or pages of third parties linked to or from this Site. Following links to any websites or pages of third parties shall be at your own risk. We shall not be responsible or liable for any damages or in any other way in connection with such linking of those websites or pages.
- Downloads from Third-Party Sites – links to third party downloadable software sites are for convenience only and we are not responsible nor are we liable for any difficulties or consequences associated with downloading that software. You are responsible for obtaining all necessary authorisations to use such software and we give no implied licence or warranty in relation to the obtaining of or use of such software whatsoever.
- No Endorsement of Third Parties– no endorsement, approval or responsibility for appropriateness of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on this Site or by any hyperlinks to or from any third party websites or pages.
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- 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.
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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.
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Internet and email communications
- Messages sent over the Internet (including email) 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 email). You should not include any sensitive or confidential information in such messages.
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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. All recordings are our sole property.
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Data protection and privacy policies
- We are committed to protecting your privacy. All information gathered from you in connection with your use of the Site or any Local Site will be maintained in accordance with the applicable privacy policies disclosed for this Site (see our Privacy Statement) or any of the Local Sites.
- We may contact you to ensure that the information you have requested has been received.
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- This Site is not intended to be used by minors.
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- HSBC Private Bank is the principal private banking business of the HSBC Group. Private banking may be carried out internationally by different HSBC Group legal entities according to local regulatory requirements and some services and/or products may not be available in certain locations. A complete list of the entities is available on this website (full list). Your relationship manager will provide you with information concerning the products and private banking entities that can provide you with investment advice, estate planning and trust services, and as necessary will arrange for you to enter into an appropriate agreements for the provision of these services.
- Some of the HSBC members listed on this Site only act as representatives of the relevant HSBC Group, and therefore are not permitted to sell products and services, or offer advice to customers. They serve as points of contact only. Further details are available on request. In certain circumstances other HSBC companies or third party experts may be utilised to provide investment advice or you may chose to utilise your own investment advisor.
- Wealth Planning Solutions are provided by HSBC International Trustee Limited, a non-bank member of the HSBC Group.
- HSBC Group members comprising HSBC Private Bank are members of the HSBC Bank marketing group.
- Further information and written details about our product and services are available from any of our branches.
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- 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.
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Your queries:
Should you wish to contact us or any member of the HSBC Group please refer to the Contact Us menu which can be found on each page of this Site.
