Terms of Use

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Acknowledgment and Acceptance of Terms of Use

This Site is owned and operated by HSBC. All our products and services and those of other members of the HSBC Group of Companies are subject to the terms and conditions and disclaimers of the applicable agreement governing their use. These Terms are to be read by you together with such other terms, conditions and disclaimers. In the event of any conflict, the terms, conditions and disclaimers applicable to specific products or services shall prevail over these Terms.

By using this Site, whether browsing or opening an application, you acknowledge that you have read and understood the Terms and agree to be bound by them.

The information and other material provided in the pages of the Site (including the Terms) may be changed at any time without notice by updating this posting. You agree to review the Site regularly and your continued access to, or use of, the Site following any changes will mean that you agree to any changes (including any amended Terms).

Provision of Financial Services or Products

The Site is primarily intended for those who access it from within Singapore. Because of this we cannot guarantee that the Site or the information thereon complies with law or regulation of other countries, or is appropriate for use, in other places. You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms. These pages should not be regarded as an offer or solicitation to sell investments or make deposits in any country to any person to whom it is unlawful to make such an invitation or solicitation in such country.

The Hongkong and Shanghai Banking Corporation Limited, Singapore Branch ("the Bank") does not offer financial services or products through the Bank's portal, or gateway. Information relating to products and services on this 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 this 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. This Site should 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 in any jurisdiction where the Bank is not 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 this 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 ("Your Local Site"). 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 this Site and any information available through this 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 this 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 this Site.

No representation is given that any securities, products, or services discussed in or accessible through this Site are suitable for you or any particular person. You acknowledge that your use of this Site and any requests for information you have made as a result of visiting this Site have not been solicited by the Bank or any of its affiliates and that the provision of any information through this Site shall not constitute or be considered investment or financial advice.

The information contained in these pages is not intended to provide professional advice. Persons accessing these pages should obtain appropriate professional advice when necessary.

Copyright and Trademarks

The Bank and other parties own the trademarks, logos and service marks displayed on this website. These may not be used without the written permission of the Bank or the party owning these.

Materials on this site are protected by copyright. No part of these materials may be modified, reproduced, stored in a retrieval system, transmitted, copied, distributed or used in any other way for commercial or public purposes without the Bank's prior written consent.

No Warranties

Whilst every care has been taken in preparing the information materials contained in this website, such information and materials are provided "as is", "as available" basis and we do not make any representation or warranty of any kind, whether express or implied, as to the reliability of the information contained on this Site. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a purpose or freedom from computer viruses is given in connection with such information and materials.

Linked Websites

The Bank or any other HSBC Group member is not responsible for the contents available on or the set-up of any other websites linked to this Site. Access to and use of such other websites is at the user's own risk and subject to any terms and conditions applicable to such access/use. By providing hyperlinks to other websites, the Bank shall not be deemed to endorse, recommend, approve, guarantee or introduce any third parties or the service/products they provide on their web site, or have any form of cooperation with such third parties and websites. Where the Bank provides hypertext links to other locations on the Internet, the Bank does so for convenience and information purposes only. The Bank has not verified, and are not responsible for, the content of any other websites or pages linked to or linking to this Site. The Bank makes no representation or warranty, expressly implied, regarding the quality, merchantability or fitness for purpose of any products or services available through a third party website. Following links to any other websites or pages is entirely at your own risk and the Bank shall not be responsible or liable for any losses, damages or expenses or in other way in connection with linking.

Links to downloadable software sites are for convenience only and the Bank is not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.

The Bank is not a party to any contractual arrangements entered into between you and the provider of the external website unless otherwise expressly specified or agreed to by the Bank.

Email

Email messages sent to the Bank over the Internet cannot be guaranteed to be completely secure. The Bank is not responsible for any damages incurred by users if they send a message to the Bank, or if the Bank sends a message to them at their request, over the Internet. The Bank is not responsible in any way for direct, indirect, special or consequential damages arising out of the use of this website.

Transmitting over the Internet

Due to the nature of the Internet transactions may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission. The Bank is not liable for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages and transactions you send. By transmitting transactions, applications or documentation over the internet you acknowledge and accept the risks inherent with this method of submission.

Downloading

The Bank does not represent or warrant that the Site will be available and meet your requirements, that access will not be interrupted, 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. The Bank makes no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.

Disclaimer and Limitation of Liability

The following clauses exclude or limit our legal liability for the Site to the extent permitted by law. You should read them carefully.

The information is believed to be accurate and current at the date the information was placed on this Site. We do not accept any responsibility arising in any way (including negligence) for errors in, or omissions from, the information contained in this Site.

The use of the Site is at your sole risk. We shall not be liable for any losses or damages or expenses (including legal costs) whatsoever arising out of or referable to materials on the Site or accessed through the Site, even if we have been advised of the possibility of such damage.

Unless otherwise stated or agreed with you, the information on this Site has been prepared in accordance with Singapore law for residents of Singapore and for the supply of products or services in Singapore. To the extent that it does not satisfy the laws of the country in which you reside or from which you are accessing this Site, it is not directed to you.

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 to undertake 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.

The Bank's liability for breach of any non-excludable rights is limited, at the option of the Bank, to the supply of the services again, or the payment of the cost of having the services supplied again.

Governing Law

These Terms are governed by and are to be construed in accordance with the laws of Singapore. You agree to the non-exclusive jurisdiction of the courts of Singapore in respect of any proceedings in connection with these Terms or this Site. If any provision of these Terms is found to be invalid or unenforceable by a court, such invalidity or unenforceability will not affect the remainder of the Terms which will continue in full force and effect.

The Bank reserves any rights not expressly granted in these Terms.

Moving on

By moving to any other part of this Site you agree that you have read, considered and understood these Terms and will be bound by them. You agree to regularly check the contents of these Terms for amendments, and will carefully read the terms, conditions and disclaimers provided at other parts of this Site.

You are leaving the HSBC Commercial Banking website.

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