In this page:

• references to 'you', 'your' and 'yours' are references to the person(s) accessing the Site or any Local Site (as defined below);
• references to 'we', 'us', 'our', 'ours' and 'ourselves' are references to The Hongkong and Shanghai Banking Corporation Limited;
• references to the 'HSBC Group' are references to HSBC Holdings plc, its subsidiaries and affiliated companies;
• references to 'Programme Participants' are to third party providers of a discount, upgrade or other offer to users of the Programme; and
• references to 'HSBC cardmembers' in a Local Site (as defined below) shall have the same  meaning as 'HSBC cardholders' referred to in these Terms and  Conditions

The following sets out the terms of use of the Site.
The Site provides information to customers of the HSBC Group about third parties who may be prepared to make offers and discounts available to certain customers of the HSBC Group and provides a portal or gateway to the financial services offered by members of the HSBC Group.

The Site is operated by us, a wholly owned subsidiary of HSBC Holdings plc, the holding company of the HSBC Group.

We are a founding member of the HSBC Group.  Our head office is situated at HSBC Main Building, 1 Queen's Road, Central, Hong Kong.

We are an authorized institution in Hong Kong regulated by the Hong Kong Monetary Authority.

The Site is currently intended for those who access it from within the following countries: Argentina, Australia, Bahrain, Bermuda, Brazil, Brunei Darussalam, Canada, Cayman Islands, Chile, China, Colombia, Egypt, Greece, Hong Kong SAR, India, Indonesia, Jersey, Jordan, Lebanon, Macau SAR, Malaysia, Malta, Mauritius, Mexico, Oman, Pakistan, Panama, Philippines, Qatar, Singapore, Sri Lanka, Taiwan, Vietnam, Saudi Arabia, United Arab Emirates, United Kingdom,  United States.  Because of this we cannot guarantee that the Site or the information thereon complies with or is appropriate for use in other places.

Neither we nor any HSBC Group members offer any financial services or products through their use and operation of this website, or gateway.  Products or services on the Site do not constitute an offer or recommendation of any products or services provided by any of the HSBC Group members.  The information provided on the Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. The Site shall not be considered as communicating any invitation or inducement to engage in banking or investment activity or any offer to buy or sell any securities or other instruments outside any jurisdiction where we are licensed or authorised  to perform such activities (hereinafter the “Authorised Countries”).

Not all the products and services that you may be able to view via the Site may be available in all geographical locations served by HSBC Group members.  You should access only the Local Site(s) associated with your country of residence (“Local Site(s)”).  If you own products that are not discussed on your Local Site, information about such products may be accessible on this or another HSBC website.  Products and services discussed outside your Local Site may not be available in your jurisdiction of residence or in the Authorised Countries and may not be appropriate for you.  It is the responsibility of any persons accessing the Site and any information available through the Site to inform himself or herself of and to observe fully the applicable laws and regulations of any relevant jurisdiction. HSBC Group members may decline to provide you with products and services solely based on your country of residence..

Products discussed on the Site may not have been registered or authorized by any central bank, governmental or regulatory authority in the Authorised Countries or in the country of your residence.  Accordingly, you may not have the benefit of protection from the securities laws, banking laws and other relevant laws and regulations of your country of residence with respect to products or services referred to on or through the Site.

No representation is given that any securities, products, or services discussed in or accessible through the Site are suitable for you or any particular person.  You acknowledge that your use of the Site and any requests for information you have made as a result of visiting the Site have not been solicited by the Bank or any of its affiliates and that the provision of any information through the Site shall not constitute or be considered investment or financial advice.
We host the Site and provide technical support, access and links to the Local Sites  of HSBC Group members.  You agree that all products and/or services that you may be able to view via the Site, shall only be available in the jurisdiction/s within which the parties making available the product and/or service is authorised to operate.

The information contained on the Site is for information purposes only. We (nor any other HSBC Group member) do not hold ourselves out as providing legal, financial or other advice via the Site.

You may link to other HSBC websites or pages issued by other entities within the HSBC Group or Local Sites through the Site. Your use of any Local Site shall be governed by both these Terms and Conditions and the terms and conditions of the Local Site. However, where these Terms and Conditions conflict with those of the Local Site, the terms and conditions of the Local Site shall prevail.

All products and services provided by members of the HSBC Group in Local Sites are subject to the terms and conditions and disclaimers of the applicable agreement governing their supply and use ("Product terms and conditions"). Where Product terms and conditions conflict with these Terms and Conditions or any Local Site's terms and conditions the Product terms and conditions shall prevail.

The products and services offered on Local Sites may be limited to persons located or residing in only that particular jurisdiction. In addition, the content on these linked websites may not be intended for persons located or residing in jurisdictions that restrict the distribution of such content.

Please read carefully any Local Site and/or Product terms and conditions before using the Local Site or product as these may differ.

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 any of the Terms and Conditions by us. You should therefore review the Terms and Conditions periodically for changes.

Data Protection and Privacy Policies
We are committed to protecting your privacy. Your information will be collected and maintained by an HSBC Group member in accordance with the relevant data privacy laws of the country in which such HSBC Group member is located. 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 in the Site or in the respective Local Site.

Please read carefully the Privacy and Security policy for the Site and the applicable privacy policy for any Local Site or third party site before using them as these may differ.

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.

The following clauses 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 laws of any country which apply to the conduct of our business or the rules and regulations of any relevant regulatory authority.

WHILST WE HAVE TAKEN REASONABLE STEPS TO ENSURE THE ACCURACY, CURRENCY, AVAILABILITY CORRECTNESS AND COMPLETENESS OF THE INFORMATION CONTAINED ON THE SITE, INFORMATION IS PROVIDED ON AN "AS IS", "AS AVAILABLE" BASIS AND WE DO NOT GIVE OR MAKE ANY WARRANTY OR REPRESENTATION OF ANY KIND, WHETHER EXPRESS OR IMPLIED. THE USE OF THE SITE IS AT YOUR SOLE RISK. WE SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE WHATSOEVER AND HOWSOEVER ARISING AS A RESULT OF YOUR USE OF OR RELIANCE ON THE INFORMATION CONTAINED ON THE SITE TO THE MAXIMUM EXTENT PERMITTED BY LAW.

WE DO NOT REPRESENT OR WARRANT THAT THE SITE WILL BE AVAILABLE AND 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.

Limitation of Liability
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, MATERIALS, PRODUCTS AND SERVICES 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.

Your use of hyperlinks on the Site is at your own risk. We provide hyperlinks to other locations on the Internet (including to the websites of Programme Participants detailed on the Site) for information and convenience purposes only.

These hyperlinks may lead to websites published or operated by third parties who are not affiliated with or in any way related to the HSBC Group. No endorsement of third party websites or content is implied and the HSBC Group shall not be deemed to recommend, approve, guarantee or introduce any third parties or the services/ products they provide on their websites, or to have any form of cooperation with such third parties and websites unless otherwise expressly stated by the HSBC Group. We are not responsible for the content of any other websites or pages linked to or from the Site or any Local Site and the HSBC Group are not responsible for any damages or losses incurred or suffered by you arising out of or in connection with your use of the link. We have not verified the content of any such websites, or pages. It is recommended that you view the linked website's terms or privacy policy pages to understand how use of that website may affect you.

We are not responsible for the accuracy, timeliness or the continued availability or the existence of content, hyper links, or third party websites or pages linked to the Site or any Local Site.

Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software or for any consequences from your doing so. Please remember that the use of any software downloaded from the Internet may be governed by a licence agreement and your failure to observe the terms of such licence agreement may result in an infringement of intellectual property rights of the relevant software provider which we are not in any way responsible.

The Site may offer access to news services, market analysis, financial planning tools 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.
 HSBC Group members are not party to any contractual arrangements entered into between you and the provider of the external website unless otherwise expressly specified or agreed to by an HSBC Group member.

Please be mindful that when you click on a link and leave our Site you will be subject to the terms of use and privacy policies of the other website that you are going to visit.

You must always obtain the prior written approval of the HSBC Group before creating a hyperlink in any form from a third party website to any HSBC Group website. The HSBC Group may or may not give such approval at its absolute discretion. In normal circumstances, we may only approve a hyperlink which displays plainly our name or website address. Any use or display of our logos, trade names and trademarks as a hyperlink will not be approved unless in very exceptional circumstances and may be subject to a fee as the HSBC Group may determine at its absolute discretion.

The HSBC Group is not responsible for the setup of any hyperlink from a third party website to any HSBC website. Any links so set up shall not constitute any form of co-operation with, or endorsement by, any HSBC Group member of such third party website. Any link to our Site shall always be an active and direct link to our Site and shall be made directly to the home or front page of our Site only and that no "framing" or "deep-linking" of our web page or content is allowed.

The HSBC Group is not liable for any loss or damage incurred or suffered by you or any third party arising out of or in connection with such link. For further trademarks and copyright information, please refer to the paragraph below. The HSBC Group members reserve the right to rescind any approval granted to link through a plain-text link or any other type of link, and to require the removal of any such link to any of the HSBC Group websites, at their discretion at any time.

Do not use ordinary e-mail to communicate personal or confidential information to us. Use the secure server available at your Local Site. Ordinary e-mail messages sent over the Internet may be intercepted, lost or altered. We are not responsible for them and will not be liable to you or anyone else for any damages in connection with any messages sent by you to us using ordinary e-mail.

Copyright 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 may imprint, copy download or temporarily store extracts from the Site or any Local Site for your personal information or when you use any products and services of any Local Site. 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 must comply with all terms disclosed to you as required from time to time by any third party supplier of data or services to the Site or any Local 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 may not use the Site or any Local Site for any purpose which is unlawful, abusive, libelous, obscene or threatening.

HSBC is a trade mark of the HSBC Holdings plc and all rights in and to HSBC vest in HSBC Holdings plc. Other than as provided above you may not use or reproduce the HSBC trademark, logo or brand name.

The Site is not intended for use by minors.

Your use of the Site is governed by Hong Kong law, while offers provided by or pertaining to a specific country shall be governed by and construed in accordance with the laws of the relevant country concerned and any dispute relating to such offers shall be subject to the jurisdiction of the courts of the relevant country. Any dispute arising from a country-specific offer shall be a dispute between you and the relevant third party providers of such offer and shall not constitute any claim by you against any HSBC Group member.

Offers made by a HSBC Group member will be subject to the local laws, regulations, Code of Banking Practice of the country in which such HSBC Group member is located.

Note: In case of discrepancies between the English and other language version, the English version shall apply and prevail.

IMPORTANT: By accessing this Site and any of its pages you are agreeing to the terms set out above. Thank you for choosing HSBC.