Terms and Conditions

Please read these terms and conditions as well as our Cookie Policy 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 safeguard.hsbc.com

References to 'HSBC' are references to HSBC Global Services (UK) Limited

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’ are references to these terms and conditions, as amended from time to time.

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. These Terms and Conditions refer to the following additional terms, which also apply to your access or use of our site:

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

HSBC Safeguard

The Site is a non-transactional information source, and a gateway to the HSBC Safeguard pages of local HSBC websites and to the websites of third party companies. It is intended to raise awareness and understanding about what financial crime is, and guide on steps to ensure safe banking for personal and business customers. There are no products or services to purchase from safeguard.hsbc.com directly. If you want to know more about any of the information described on the Site, we ask you to visit the appropriate Local Site under the relevant country you live in. You will then be directed to a Local Site. Some of the information described on safeguard.hsbc.com may not be available from your Local Site.

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.

You are also responsible for ensuring that all persons who access the Site through your internet connection are aware of these Terms and Conditions and other applicable terms and conditions (including the Privacy Policy), and that they comply with them.

Content

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.

Cookies

You should read our Cookie Policy to find out more about how HSBC and our trusted partners use cookies, which is relevant to your experience on this website.

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.

Changes

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.

Data protection and privacy policies

We are committed to protecting your privacy. All information gathered from you, if any, in connection with your use of the Site or any Local Site will be maintained in accordance with the applicable privacy policies disclosed for the Site or any of the Local Sites.

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.

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.

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 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.

Links to third party Sites or content

Your use of hyperlinks on the Site is at your own risk. We provide hyperlinks to other locations on the Internet for information and convenience purposes only. No endorsement of third party web sites or content is implied. We are not responsible for the content of any other web sites or pages linked to or from the Site or any Local Site. We have not verified the content of any such web sites, 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, 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.

Trademarks and copyright

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. 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.

Intellectual property rights

All intellectual property rights (including, without limitation, copyright, database rights, design rights, patents and trade marks) in this Site or any Local Site (including without limitation in any Publication) are owned by us or licensed to us by third party licensors unless otherwise stated. Your access to or use of the Site or any Local Site (including your use of or access to any Publication) does not grant you any intellectual property rights in the Site or any Local Site (including respect of any Publication). 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 print, copy, download or temporarily store extracts from the Site or any Local Site for your personal use or to help you use our products and services. You may not alter or otherwise make any changes to any material obtained from the Site or any Local Site (including any Publication) in any form, including, without limitation, removing any proprietary information, identifying marks or legends from such material. Any other use is prohibited unless you first request and obtain our written permission. Without limiting the above, unless you first obtain our written consent, you may not reproduce, modify, adapt, transmit, publish, broadcast, create derivative works of, store, archive or in any way exploit all or any part of this Site (including any Publication).

Content from a third party provider available on or through the Site or any Local Site (including where applicable any Publication) 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 or complying with any terms and conditions such third party supplier of data or services may require you to comply with.

HSBC and the hexagon logo are trade marks of HSBC Holdings plc [HSBC Group Management Services Limited] and all rights in and to them vest in HSBC Holdings plc [HSBC Group Management Services Limited]. Other than as provided above you may not use or reproduce the HSBC trade mark, hexagon logo or brand name.

Severance

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.

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.

Social media

HSBC Holdings plc and other members of the HSBC Group may from time to time operate channels, pages and accounts on some social media Sites to inform, assist and engage with customers and other users. Each operator of such a channel, page or account (be that HSBC Holdings plc or a HSBC Group Member, as indicated ) is responsible for such channel, page or account in accordance with the terms of use displayed on or linked from that channel, page or account. To see the full terms of use relating to our social media channels, pages and accounts please visit the relevant channel, page or account. In addition, please note the following general terms which relate to our social media channels, pages and accounts:

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 Holdings 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 Holdings plc or HSBC Group Services (UK) Limited do not offer financial services or products and our 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.