Terms and Conditions
Please read these terms and conditions as well as our Privacy and Cookie Policies carefully before you start to use the Site, as these will apply to your use of the Site. If you do not agree to these terms and conditions of use, you must not use the Site.
References to 'Site' are references to the Site at www.business.hsbc.com
References to 'HSBC' are references to HSBC Bank Plc.
The information contained on the Site is for information purposes only. HSBC does not hold itself out as providing legal, financial or other advice via the Site.
References to 'Local Sites' are references to other HSBC pages or third party web sites or pages and web sites issued by other entities.
References to 'you', 'your' and 'yours' are references to the person(s) accessing the Site;
References to 'we', 'us' and 'our' are references to HSBC;
References to the 'HSBC Group' are references to HSBC Holdings plc, its subsidiaries and affiliated companies;
References to ‘Publications’ are references to any publications, research or other documentation uploaded or provided on the Site by us or by any third party provider from time to time; and
References to ‘Terms and Conditions’ or ‘Terms’ are references to these terms and conditions, as amended from time to time.
1. Company information
The Site is owned by
HSBC Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. It is listed with the registration number 114216. HSBC Bank plc is a company incorporated under the laws of England and Wales with company registration number 14259 and its registered office at 8 Canada Square, London E14 5HQ. HSBC Bank plc's registered VAT Number is GB 365684514.
HSBC Bank plc is a member of the Financial Ombudsman Scheme and subscribes to the Lending Code. More detail about this is available on the Lending Standards Board website. For information about accounts and other products you can refer to the Money Advice Service section on the FCA website.
2. Site Terms
These Terms and Conditions govern your access and use of the Site and each time you access or use the Site you agree to be bound by them. If you do not accept these Terms and Conditions in full you should not access or use this Site and should leave the Site immediately.
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 then the Product Terms will prevail.
From this Site we may provide information or hyperlinks to Local Sites which may be subject to their own specific terms and conditions including disclaimers. Your use of any Local Site shall be governed by both these Terms and Conditions and the terms and conditions of the Local Site ('Local Site Terms and Conditions'). You should carefully read such terms and conditions before visiting such Local Site.
To the extent that there is any conflict between these Terms and Conditions and any Local Site Terms and Conditions, the following order of precedence shall apply in relation to such conflict:
- The applicable Local Site Terms and Conditions; and
- These Terms and Conditions
3. Accessing the Site
This Site is made available free of charge.
We do not guarantee that the Site, or any content on it, will always be available or be uninterrupted. Access to the Site is permitted on a temporary basis. We may at our sole discretion suspend, withdraw, or discontinue all or any part of the Site (including any access you may have to the Site), or any Local Site, without notice. We will not be liable to you if for any reason the Site is unavailable at any time or for any period.
You are responsible for making all arrangements necessary for you to have access to our Site.
The content of any Publication should only be considered current as of the date of initial publication appearing thereon, without regard to the date you may access such Publication. This includes any opinion or estimate contained in the Publication, which reflect a judgment considered valid only at the original date of publication.
The Publications may be subject to periodic revision and updates and we reserve our rights to delete or modify any content of any or all of the Publications at our sole discretion and without prior notice to you. While we will attempt to provide you with timely updates of Publications, we are under no specific obligation to do so. Any update provided to you will be made available through the Site, and it is your responsibility to access any such update as you may deem it necessary.
6. Web beacons and spotlight tags
This website may contain electronic images, known as web beacons or spotlight tags. These enable us to count users who have visited certain pages on the website. Web beacons and spotlight tags are simply tools used to obtain generic information about the web pages visited. They are not used to obtain information about specific users.
The information, material and content provided in the pages of the Site or any Local Site may be changed at any time without notice. Changes may be made to these Terms and Conditions by us at any time without notice to you by updating the posting of the Terms and Conditions.
8. Data protection and privacy policies
9. No offer
Information or opinions provided by us or through a third party on the Site or by a Local Site should not be used for investment advice and do not constitute an offer to sell or solicitation of an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments. When making a decision about your investments, you should seek the advice of a professional financial adviser.
10. No warranties
The contents of the Site and the Local Sites are distributed to you without any warranty of any kind. We and the third party content providers disclaim any and all warranties.
Information on the Site and any Local Site is provided on an "as is", "as available" basis and to the fullest extent permitted by law we do not give or make any warranty or representation of any kind, whether express or implied in respect of such information whether in respect of the Site or any Local Site. Your use of the Site or any Local Site is at your sole risk.
We do not warrant the accuracy, adequacy, completeness or timeliness of the information, material, products and services or the error-free use of the Site or Local Site.
We do not represent or warrant that the Site or any Local Site will be available or that it will meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system.
You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.
We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site or any Local Site.
11. Limitation of liability
The following clause seeks to exclude or limit our legal liability for the 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 you under the Financial Services and Markets Act 2000 (as amended), or the rules of the FCA for the conduct of business.
In no event shall we be liable for any damages, losses or liabilities including without limitation, direct or indirect, special, incidental, consequential damages, losses or liabilities, in connection with your use of the Site or your reliance on or use or inability to use the information on the Site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if you advise us of the possibility of such damages, losses or expenses.
12. Links to third party Sites or content
We are not responsible for the accuracy, timeliness or the continued availability or the existence of content, hyperlinks, or third party web sites or pages linked to the Site or any Local Site.
The Site may offer access to news services, or other information provided by third parties on the Site or any Local Site. No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on the Site or any Local Site. We do not control, cannot guarantee, and are not responsible for the accuracy, timeliness or even the continued availability or existence of such content.
13. Trademarks and copyright
Copyright (together with all intellectual property rights including, without limitation, database rights, design rights, patents and trade marks) in the pages, screens, information, and all material in their arrangement, included in the Site or any Local site is owned by or licensed to us or the HSBC Group unless otherwise noted. You are granted a limited, non-exclusive, non-transferable licence to access or use Publications accessed on the Site for your personal use, and we may revoke that licence at any time. You may imprint, copy, download or temporarily store extracts from the Site or any Local site for your personal information. You may not alter or otherwise make any changes to any material that you print or download from the Site or any Local Site, including, without limitation, removing any identifying marks or legends from such material. You may not distribute these materials to others. Any other use is prohibited unless you first request and obtain our written permission. In particular, no one may use a part of the Site or any Local site on any other website, or link any other website to the Site or any Local Site, without our prior written permission or the consent of the relevant HSBC Group member.
Content from a third party provider available on or through the Site or any Local Site may not be duplicated, distributed, published, transferred, transmitted, copied, altered, sold, used to create derivative works or otherwise misused.
You may not use the Site or any Local site for any purpose which is unlawful, abusive, libelous, obscene or threatening.
HSBC is a trademark of HSBC Group Management Services plc and all rights in and to HSBC vest in HSBC Group Management Services plc. Other than as provided above you may not use or reproduce the HSBC trademark, logo or brand name.
If any part of these Terms and Conditions 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 such terms which shall continue to be valid and enforceable to the fullest extent permitted by law
15. Governing law
The Terms are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have exclusive jurisdiction in respect of any dispute, which may arise.
16. Social media
We may monitor and record comments and posts made on these channels about the HSBC Group so that we can improve our services.
We are not responsible for any information posted on those Sites other than information we, HSBC Bank plc, have posted ourselves. We do not endorse the social media Sites themselves, or any information posted on them by third parties or other users.
HSBC Group’s operation of such social media channels, pages and accounts does not constitute an offer of any products or services provided by any of the HSBC Group members. We don't give investment, tax or other professional advice via social media Sites. You should always seek independent advice before making such decisions.
Questions, comments and requests regarding this Terms and Conditions are welcomed and should be submitted via the Site’s ‘Contact Us’ form, which can be found here.