Important Notices
Notification of unexpected restrictions on the use of personal bank accounts
Dear customers,
In order to protect your account safety, we will regularly contact you to review personal and account information. During this time, you may encounter unexpected restrictions on your personal account usage, this may be caused by incomplete personal information you have retained with us. We have sent a text message (or paper letter) to remind you to update the information in time. If you fail to receive or update the information, your personal account service may be affected.
If any question, please call HSBC during 9:00-18:00 Monday to Friday.
Contact link: https://www.hsbc.com.cn/en-cn/help/contact/
Thank you for your understanding and cooperation.
2 Jan 2019
Dear customers,
In accordance to the requirements in "the Administrative Measures on Due Diligence of Tax Related Information in respect of Non-Resident Financial Accounts", the Bank will conduct due diligence of tax related information in respect of non-resident financial accounts on the current pre-existing individual clients. Your cooperation of the due diligence task is highly appreciated if the date of your individual account opened is before 30 Jun 2017. If you don’t provide relevant information timely, we will use the information we already hold in our records to determine your tax residency and report to relevant tax authorities.
If you have any queries, please feel free to find your relationship manager or contact us at 400-820-1818 (In Mainland China) 86-400-820-1818 (Outside Mainland China) and press "0" for help after PIN verified. Our service hour is Monday to Friday, 9:00 AM – 18:00 PM (Beijing Time).
HSBC Bank (China) Company Limited
30 Sep 2018
Dear customers,
HBCN will officially stop issuing foreign currency demand draft to Hong Kong since 1 January, 2019. You can visit our branch for cross-border remittance or make convenient and efficient overseas transfer through digital channels such as online banking, WeChat banking, mobile banking, etc. Thank you for your understanding and support! For any enquiries, you can refer to HSBC website www.hsbc.com.cn, or refer to your HSBC debit card for more detail information.
Premier Service hotline: 400-820-8828, Advance Service hotline: 400-820-8878.
HSBC Bank (China) Company Limited
20 Sep 2018
Dear customers,
HSBC +1-908-PREMIER emergency hotline will be demised from 30 Jun 2018. For any enquiries, you can refer to HSBC website www.hsbc.com.cn or call our premier hotline 400-820-8828. You can also refer to back of your HSBC debit card for more detail information. Thanks for your understanding and support!
HSBC Bank (China) Company Limited
5 June 2018
From 6 August 2017, the single transfer limit for cross-bank payment via digital channel (include online banking, mobile banking and WeChat service account) will be increased to 500,000. At the same time, for CNY 3rd party transfer within HSBC China and CNY Interbank Transfer, the daily transfer times limit will be decreased to 10. The single transfer limit will be subject to the daily transfer limit you set up via online banking. If the daily transfer limit and daily transfer times needs to be adjusted, you can log on your online banking to update it.
From 26 June 2017, the third-party transfer limit of digital channels has been increased to CNY 1million for non-designated payee and CNY 2million for the pre-designated payee. You can set your limit in 'Manage internet banking limit' in Online Banking or submit an application form in our branches.
Find out more about important notices, HSBC's privacy & security policies, hyperlink policy, terms of use of this website and system maintenance information.
From April 30 2017, the ‘CNY 3rd party transfer within HSBC China’ and ‘CNY Interbank Transfer’ via Online Banking, Mobile Banking and WeChat Banking will be subject to the daily transfer counts. If it needs to be adjusted, you can log on your Online Banking and enter the 'Adjust the online banking transaction limit' page to update it.
This is the notification of update on tariff of accounts and services for personal customers and it will come into effect on 1 January 2019.
This is the notification of update to Phone Banking Service General Terms And Conditions and it will come into effect on 1 March 2017.
Please be advised that the tariff of accounts and services for Small Business Banking has been udpated.
From 28 November , 2016, the service hours of online FCY/CNY conversion has been adjusted to 9:30AM-6:00PM, Monday to Friday each working day. The service hours of online FCY/FCY trading will be adjusted to 7/24. [28 November, 2016]
With Deposit Insurance you can protect your deposit. This plan introduces a deposit-insurance system, aimed at providing adequate protection to depositors.
Personal Information and Privacy Protection Policy
Latest Revision Date: 22 May 2018
HSBC Bank (China) Company Limited (“HSBC”, “the Bank”, “we” or “us”) take personal information confidentiality and security very seriously, and strive at all times to protect our customers’ and related parties’ personal information and privacy according to law. We therefore formulate this Personal Information and Privacy Protection Policy (this “Policy”) and collect, use, disclose and protect your personal information (including the personal information of the person you represent) in accordance with this Policy. Please be advised to read this Policy carefully to fully understand the purposes, methods, and scope of personal information we collect and use, HSBC’s practices regarding personal information and privacy protection, your rights and interests with regard to personal information and privacy and how to assert your rights and interests. The table of content of this Policy is set out as below:
I. Personal Information and Privacy Protection Policy Overview – How We Protect Your Personal Information
II. How We Collect Your Personal Information
III. How We Use Cookies and Other Technologies
IV. How We Use or Disclose Your Personal Information
V. Your Rights Relating to Personal Information
VI. How We Handle Minors’ Personal Information
VII. Update of this Policy
VIII. Miscellaneous
If you have any query, comment or suggestion, please Contact HSBC. You may contact us through the contact information listed in this Policy, by calling the Bank’s hotline or visiting the Bank’s branches or sub-branches. You may also visit the Bank’s official website www.hsbc.com.cn or official WeChat account “汇丰中国客户服务” (WeChat ID: HSBCeBanking) to enquire the nearby branches or sub-branches, or other contact information of the Bank suitable for you.
This Policy shall apply to your and related parties’ personal information that may be involved when you visit, browse, use any website or mobile device application of the Bank (including but not limited to mobile banking application, WeChat official account application and etc.), apply for or use any product, device or service of the Bank, handle any business at the Bank or make any transaction with the Bank, participate in any marketing events and surveys of the Bank, apply for any position at the Bank, and/or in any way contact or correspond with the Bank, no matter the information is provided by yourself or by the related parties, or collected or acquired by the Bank from other sources according to law, regulation, regulatory provision, or based on your or related parties’ authorisation or consent. The Bank may collect, verify, store, use, process, disclose, transfer, protect your and related parties’ personal information in accordance with this Policy and other terms and conditions otherwise agreed between you and the Bank. If there is any discrepancy between this Policy and the other terms and conditions agreed between you and the Bank, such other terms and conditions shall prevail.
Latest Revision Date: 22 May 2018
HSBC Bank (China) Company Limited (“HSBC”, “the Bank”, “we” or “us”) take personal information confidentiality and security very seriously, and strive at all times to protect our customers’ and related parties’ personal information and privacy according to law. We therefore formulate this Personal Information and Privacy Protection Policy (this “Policy”) and collect, use, disclose and protect your personal information (including the personal information of the person you represent) in accordance with this Policy. Please be advised to read this Policy carefully to fully understand the purposes, methods, and scope of personal information we collect and use, HSBC’s practices regarding personal information and privacy protection, your rights and interests with regard to personal information and privacy and how to assert your rights and interests. The table of content of this Policy is set out as below:
I. Personal Information and Privacy Protection Policy Overview – How We Protect Your Personal Information
II. How We Collect Your Personal Information
III. How We Use Cookies and Other Technologies
IV. How We Use or Disclose Your Personal Information
V. Your Rights Relating to Personal Information
VI. How We Handle Minors’ Personal Information
VII. Update of this Policy
VIII. Miscellaneous
If you have any query, comment or suggestion, please Contact HSBC. You may contact us through the contact information listed in this Policy, by calling the Bank’s hotline or visiting the Bank’s branches or sub-branches. You may also visit the Bank’s official website www.hsbc.com.cn or official WeChat account “汇丰中国客户服务” (WeChat ID: HSBCeBanking) to enquire the nearby branches or sub-branches, or other contact information of the Bank suitable for you.
This Policy shall apply to your and related parties’ personal information that may be involved when you visit, browse, use any website or mobile device application of the Bank (including but not limited to mobile banking application, WeChat official account application and etc.), apply for or use any product, device or service of the Bank, handle any business at the Bank or make any transaction with the Bank, participate in any marketing events and surveys of the Bank, apply for any position at the Bank, and/or in any way contact or correspond with the Bank, no matter the information is provided by yourself or by the related parties, or collected or acquired by the Bank from other sources according to law, regulation, regulatory provision, or based on your or related parties’ authorisation or consent. The Bank may collect, verify, store, use, process, disclose, transfer, protect your and related parties’ personal information in accordance with this Policy and other terms and conditions otherwise agreed between you and the Bank. If there is any discrepancy between this Policy and the other terms and conditions agreed between you and the Bank, such other terms and conditions shall prevail.
I. Personal Information and Privacy Protection Policy Overview – How We Protect Your Personal Information
a. Overview
To preserve the confidentiality, security and privacy of all personal information you provide to us, we follow the principle of reasonableness, legitimacy and rightfulness, and maintain the following policies to protect personal information and privacy:
1. We only collect personal information that we believe to be relevant and required for us to comply with law, regulation and regulatory provision, understand your needs, build up, review, maintain and develop our relationship with you, provide you with products and services, and continuously improve our products and services.
2. We use your personal information with the aim to comply with law, regulation and regulatory provision, provide you with better products and services, and build up, review, maintain and develop our relationship with you.
3. We may for specific purposes provide your personal information to other members of the HSBC Group, our respective agents or other third parties, as permitted by law.
4. We will not disclose your personal information to any third party, unless the disclosure is made to comply with law, regulation and regulatory provision or in accordance with this Policy or other agreement between you and the Bank.
5. We may be required from time to time to disclose your personal information to our regulators, other governmental or judicial bodies or agencies, but we will only do so following the requirement of law and regulation, our regulators or other authorities and to the extent that we deem necessary.
6. We aim to keep your personal information on our records accurate and up-to-date.
7. We maintain strict security systems designed to prevent unauthorised access to your personal information by anyone.
8. All members of the HSBC Group, all our staff and all third parties with permitted access to your personal information are specifically required or legally responsible to observe our confidentiality obligations.
By maintaining our commitment to these policies, we at HSBC will ensure that we respect the inherent trust that you place in us.
b. Information Security
1. Information security is our top priority. We will endeavour at all times to safeguard your personal information against unauthorised or accidental access, processing or erasure. We maintain this commitment to information security by implementing appropriate physical, electronic and managerial measures to secure your personal information.
2. The secure area of the website of the Bank supports the use of Secure Socket Layer (SSL) protocol and 128-bit encryption technology - an existing industry standard for encryption over the Internet to protect data. When you provide personal sensitive information through the website of the Bank, it will be automatically converted into codes so as to ensure secure transfer afterwards. Our web servers are protected behind “firewalls” and our systems are monitored to prevent any unauthorised access. For the sake of security, we will not send personal information by ordinary email.
3. We exercise strict management over our staff members who may have access to your personal information, including but not limited to access control applied to different positions, contractual obligation of confidentiality agreed with relevant staff members, formulation and implementation of information security related policies and procedures, and information security related training offered to staff. When we use services provided by external service providers (entities or individuals), we also impose strict confidentiality obligations on them and request them to abide by our security standards when processing personal information.
4. For the security of your personal information, you take on the same responsibility as us. You shall keep your personal information secret and confidential, such as your account information, identity verification information (e.g. user name, password, dynamic password, verification code, etc.), and all the documents, materials, devices or other media that may contain or record or otherwise relate to such information, and shall ensure your personal information and relevant documents, materials, devices or other media are used only in a secured environment. You shall not, at any time, disclose to any other person or allow any other person to use such information and relevant documents, materials, devices or other media. Once you think your personal information and/or relevant documents, materials, devices or other media have been disclosed, lost or stolen and may so endanger the relation between you and the Bank or cause your bank account being used for any unauthorised transaction, you shall notify us immediately so that we may take appropriate measures to prevent further loss from occurring.
5. If unfortunately personal information security incident occurs, we will adopt emergency plan and take relevant actions and remediation measures to mitigate the severity and losses in connection therewith. Meanwhile, we will report such personal information security incident and our actions in accordance with law, regulation and regulatory provision.
6. We will comply with all statutory and regulatory requirements concerning the retention of identifiable personal information. We will retain your personal information for the period necessary for the purposes set out in this Policy or other agreement between you and the Bank, unless a longer retention period is required or permitted by law, regulation or regulatory provision.
II. How We Collect Your Personal Information
1. As required for us to provide you with various products and services and continuously improve our products and services, or in order to contact or communicate with you, understand your needs, build up, review, maintain and develop our relationship with you, or for the purpose to comply with law, regulation and regulatory provision, during the time when you visit, browse, use any website or mobile device application of the Bank, apply for or use any product, device or service of the Bank, handle any business at the Bank or make any transaction with the Bank, participate in any marketing events and surveys of the Bank, apply for any position at the Bank, and/or in any way contact or correspond with the Bank, the Bank may receive and keep the personal information provided by yourself or by related parties, or, according to law, regulation, regulatory provision, your authorisation or consent, collect, enquire, verify by proper methods your and/or related parties’ personal information from/with members of the HSBC Group or other third parties (including but not limited to credit reference agencies, information service providers, relevant authorities, employers, counterparties, other relevant entities, joint applicants, contact persons, close relatives and other persons). The personal information we so collect may include information in paper, electronic (for example but not limited to information collected through any of the Bank’s self-service machine, website, Internet Banking, WeChat Banking, Mobile Banking, and/or other mobile devices applications, email, text message or Phone Banking) or any other forms.
2. For above various purposes, the Bank may collect necessary personal information according to this Policy and other agreement between you and the Bank. Personal information the Bank may collect mainly includes:
(1) Personal identity information, including name, sex, nationality, citizenship, registered residence (Hu Kou), ethnic, type/number/validity period of ID certificate, occupation, education, diploma, working experience, telephone number, e-mail, contact information, age, birth date, place of birth, marital status, health status, family status, place of residence, work address, photo, social security information, personal virtual identity and authentication information (e.g. Internet Banking account information), etc.;
(2) Personal property information, including personal income, real property, movable property (e.g. vehicle, financial assets, etc.), indebtedness, investment, tax-paid amount, tax residence, taxpayer identification number, amount paid for the provident fund, etc.;
(3) Personal biometrics information, such as signature, handwriting, portrait, fingerprint, voice, iris, face recognition information, etc.;
(4) Personal account information, including account number, time of account opening, institution with which the account is opened, account balance, account transaction information, etc.;
(5) Personal credit information, including credit card, loan and other credit transaction information and any other information about personal credit status;
(6) Personal financial transaction information, including personal information acquired, kept, recorded during any payment, settlement, wealth management, safe deposit box or other banking business, personal information generated from transactions made through banks with any third party institution like insurance company, securities company, fund house, futures company or payment agency, and etc.;
(7) Derivative information, including consumption habit, product/service/internet use habit, transaction or risk preference, risk appetite, investment intention, investment goal, knowledge and experience, and other information about particular person’s situation derived from processing and analysis of raw data;
(8) Any other personal information acquired or kept during the establishment or maintenance of business or other relationship with individuals, e.g. time/location (including geographic location and network address) of service use, log information related to browse/use/clicking/operation of website/software/application, image and video record, audio record, correspondence record and contents, device identifier and code, hardware type and serial number, operating system version, etc..
3. To the extent allowed by law and regulation, we may collect and use your personal information, without your consent under any of the following circumstances:
(1) where the collection and use are in direct relation to state security or national defense security;
(2) where the collection and use are in direct relation to the public security, public sanitation, or major public benefits;
(3) where the collection and use are in direct relation to investigations into crimes, prosecutions, court trials, execution of rulings, etc.;
(4) where the collection and use are for the sake of safeguarding your or other’s significant legal rights and interests, such as the life and property, but it is difficult to obtain your consent;
(5) where the personal information collected is the information voluntarily disclosed by you to the public;
(6) where the personal information is collected from information that has been legally and publicly disclosed, such as legal news reports and information published by the government;
(7) where the collection and use are necessary for concluding and performing contracts as required by you;
(8) Other circumstances specified by law and regulation.
III. How We Use Cookies and Other Technologies
1. Your visit, browse, use of any website or mobile device application of the Bank may be recorded for analysis on the number of visitors to the site and general usage patterns. Some of this information will be gathered through the use of “Cookies”. Cookies can enable us to provide more useful and safer features for website or application users. You may refer to relevant statement at our website (e.g. www.hsbc.com.cn) regarding our use of “Cookies”. The information collected by “Cookies” is anonymous aggregated research data, and contains no name or address information or any information that will enable anyone to contact you via telephone, email or any other means. Most browsers and/or applications are initially set to accept Cookies. You can manage or delete Cookies as per your preference. Should you wish to disable Cookies, you may do so by changing the setting on your browser and/or application. However, by disabling them, you may not be able to take full advantage of our website and/or application.
2. The website and/or application may also work with third parties to research certain usage and other activities on the website and/or application. These third parties include without limitation to Doubleclick, Yahoo!, Nielsen//NetRatings and Adobe. They use technologies such as spotlight monitoring, web beacons and "Cookies" etc. to collect information for such research. They use the information collected through such technologies (i) to find out more about users, including user demographics and behaviour and usage patterns, (ii) for more accurate reporting and (iii) to improve the effectiveness of our marketing. They aggregate the information collected and then share it with us. No personally identifiable information about you is collected or shared by Doubleclick, Yahoo!, Nielsen//NetRatings and Adobe with us as a result of this research. Should you wish to disable the Cookies associated with these technologies, you may do so by changing the setting on your browser and/or application. However, after changing the setting you may not be able to enter certain part(s) of our website and/or application.
IV. How We Use or Disclose Your Personal Information
1. Use of Personal Information
Your personal information and data collected by the Bank may be used for the following purposes (or any of them, depending on the nature of your relationship with the Bank):
(1) to provide you with products or services, to identify or verify your identity, to approve, manage, handle, execute or effect transactions requested or authorised by you;
(2) to comply with any Applicable Laws (“Applicable Laws” refer to any applicable local or foreign statute, law, regulation, ordinance, rule, judgment, decree, voluntary code, directive, sanctions regime, court order applicable to any member of the HSBC Group, agreement between any member of the HSBC Group and an authority, or agreement or treaty between authorities and applicable to the Bank or a member of the HSBC Group) and any order or requirement from any authority;
(3) to perform the Bank and/or the HSBC Group’s compliance obligations (including regulatory compliance, tax compliance and/or compliance with any Applicable Laws or requirement of any authority), or to implement any policy or procedure made by the Bank and/or the HSBC Group for performance of their compliance obligations;
(4) to detect, investigate and prevent any real, suspected or potential financial crime (including money laundering, terrorist financing, bribery, corruption, tax evasion, fraud, evasion of economic or trade sanctions, and/or violations, or acts or attempts to circumvent or violate any Applicable Laws relating to these matters) and to manage financial crime risk;
(5) to collect any amounts due from any debtor;
(6) to conduct credit or credit reference checks, to verify, obtain or provide credit references or credit information;
(7) to enforce or defend the Bank or any member of the HSBC Group’s rights, or to perform the Bank or any member of the HSBC Group’s obligations (whether statutory obligations or contractual obligations, including but not limited to the Bank’s obligations under any agreement entered into with any real or potential business and/or asset assignee, business partner or transaction participator);
(8) as required by or to fulfil the Bank or the HSBC Group’s internal operational requirements (including for credit and risk management, data statistics, analysis, processing and handling, system, product and service design, research, development and improvement, planning, insurance, audit and administrative purposes);
(9) to contact or communicate with you, understand your needs, build up, review, maintain and develop the Bank’s or any member of the HSBC Group’s overall relationship with you (including to market or promote relevant products or services to you, to assess your interests in relevant products or services, to conduct market research or survey or satisfaction survey, to review, approve or handle your application for any position at the Bank, etc.),
(10) to obtain or utilize administrative, consultancy, telecommunications, computer, payment, data storage, processing, outsourcing and/or other products or services.
2. Disclosure of Personal Information
For the purposes set out above, the Bank may provide or disclosure your personal information to the following recipients (the recipients may also, for the aforesaid purposes, use, process and further disclose the information they receive):
(1) any member of the HSBC Group;
(2) any contractor, subcontractor, agent, third party product or service provider, licensor, professional consultant, business partner, or associated person of the HSBC Group (including their employees, directors and officers);
(3) any regulator or other authority of the Bank or any member of the HSBC Group, or any organisation or individual designed by such regulators or authorities;
(4) anyone acting on your behalf, payment recipients, beneficiaries, account nominees, intermediary, correspondent and agent banks (e.g. for CHAPS, BACS, SWIFT), clearing houses, clearing or settlement systems, market counterparties, upstream withholding agents, swap or trade repositories, stock exchanges, companies in which you have an interest in securities (where such securities are held by the Bank for you), or anyone making any payment to you;
(5) any person or related party who has the right or obligation, acquires an interest or assumes risk, in or in connection with any product or service you receive from the Bank, or any business you handle at the Bank or any transaction you make with the Bank (for example, the person who provides or intends to provide any mortgage or other security for any of your debt to the Bank);
(6) other financial institutions, industrial associations, bank card organisations, credit reference agencies or credit bureaus (including without limitation the People’s Bank of China’s credit information database), information service providers;
(7) any third party fund manager providing you with asset management services;
(8) any broker that provides referral, agency or intermediary service to the Bank, or any third party to whom the Bank provides referral, agency or intermediary service;
(9) any party in connection with any business/asset transfer, restructure, disposal (including securitization), merger, spin-off or acquisition transactions of the Bank;
(10) any person to whom the Bank or any member of the HSBC Group is under an obligation or otherwise required to make disclosure for the aforesaid purposes.
Such provision or disclosure may involve cross border transmission of personal information, including information being transmitted to or being accessed by jurisdictions which do not have data protection laws that provide the same level of protection as the jurisdiction in which the Bank is located. Whether it is processed in a home jurisdiction or overseas, in accordance with applicable data protection legislation, your personal information will be protected by a strict code of secrecy and security which all members of the HSBC Group, their staff and third parties are subject to.
V. Your Rights Relating to Personal Information
1. You have the right to request us to protect and secure your personal information in accordance with the provisions of the law, regulation and this Policy.
2. You have the right to check with the Bank whether the Bank holds your personal formation and to check the personal information your have provided to the Bank.
3. You have the right to check with the Bank for the Bank’s policies on personal information and privacy protection. When you have any query about this Policy, you have the right to seek explanation/interpretation from the Bank to help you understand our practices regarding personal information and privacy protection and their possible consequence, and understand your rights and interests under this Policy in relation to personal information and privacy.
4. You have the right and obligation to update your personal information at the Bank to ensure all information be accurate and up-to-date. You have the right to require the Bank to provide convenience for you to update your personal information at the Bank and to correct any of your information that is inaccurate.
5. In relation to consumer credit, you have the right to request to be informed of your personal information that is disclosed to credit reference agencies by the Bank, so as to enable your request to the relevant credit reference agency for an access to and correction of your information.
6. Requests for access to or correction of personal information, for the Bank’s policies and practices regarding personal information and privacy protection, or for any personal information held by the Bank should be addressed to:
Compliance Officer
HSBC Bank (China) Company Limited
38/F HSBC Building, Shanghai IFC, 8 Century Avenue, Pudong, Shanghai, 200120
E-mail: hsbcaoc@hsbc.com.cn
Tel: 400-820-3090 (Please dial China country code +86 if you are calling from overseas)(8:30am - 5:30pm Monday to Friday during the working days)
Upon the receipt of your request, we will reply to you within 30 days or shorter period as prescribed by law and regulation (if any).
Normally the Bank will not charge fees for the processing of your above-mentioned reasonable requests related to personal information. Nevertheless, for the frequently repeated and unreasonable requests, the Bank will charge certain fees as the case maybe to the extent allowed by the law and regulation.
Due to the requirements of law and regulation, we may not to be able to respond your request under any of the following circumstances:
(1) where the request is in direct relation to state security or national defense security;
(2) where the request is in direct relation to public security, public sanitation, or major public benefits;
(3) where the request is in direct relation to investigations into crimes, prosecutions, court trials, execution of rulings, etc.;
(4) where there is sufficient evidence that you are intentionally malicious or abuses your rights;
(5) where responses to your request will give rise to serious damage to your or any other individual or organization’s legal rights and interests; and
(6) where the request involves any trade secret.
7. If at any time you would like us to cease using or providing to others your personal information for advertisement promotion purpose, you are entitled to notify the Bank and exercise your right of choice not to receive such advertisement promotion any more. If you so choose to reject advertisement promotion message, please contact our Call Centre by calling 400-820-8878(Please dial China country code +86 if you are calling from overseas). After receipt of your request we will, as soon as practical (usually no later than 30 days from your request), take actions to ensure no more advertisement promotion message should be sent to you.
8. You may supervise or make suggestions for the Bank’s practices regarding personal information and privacy protection, and to lodge complaints or demand compensation according to law against the Bank or its staff for any infringement of your rights and interests in your personal information and privacy.
9. Nothing in this Policy shall limit the rights you should have as a personal information subject under Chinese law.
VI. How We Handle Minors’ Personal Information
1. We understand the importance of protecting the minors’ personal information with extra caution. If you are under 18 years old, it is suggested that your parents or guardians shall carefully read this Policy and you shall submit your personal information only after seeking consent from them. Meanwhile, it is suggested that your use of our product and service is conducted under the guidance of your parents or guardians. If they do not agree you to submit your personal information or to use any product or service of the Bank, you shall immediately stop submitting the information or using the product and service of the Bank. In addition, please notify such event to us as soon as possible, so as to allow us to take effective measures.
2. If you are under 18 years old, for those personal information collected with consent of your parents or guardians, we will only use or disclose such information to the extent allowed by law and regulation or expressly consented by your parents or guardians or necessary for the protection of the interests of minors.
VII. Update of this Policy
This Personal Information and Privacy Protection Policy may be amended or updated from time to time. We will publish such changes at our website and/or relevant applications. Changes to this Policy will not impair or limit the rights you should have as a personal information subject under Chinese law.
VIII. Miscellaneous
1. Where you provide to us personal information about another person, you should ensure that person acknowledges this Policy and, in particular, tell him/her how we may use his/her information. You should remind that person to read this Policy in advance and may also give him/her a copy of this Policy.
2. In case of discrepancy between the Chinese and English versions of this Policy, the Chinese version shall apply and prevail.
3. IMPORTANT reminder: Before you apply for or use any product, device or service of the Bank, handle any business at the Bank, make any transaction or enter into relevant agreement with the Bank, visit, browse, use any website or mobile device application of the Bank, participate in any marketing events and surveys of the Bank, apply for any position at the Bank, and/or in any way contact or correspond with the Bank, please be advised to read this Policy carefully. You shall understand and agree that the Bank may collect, verify, store, use, process, disclose and protect your personal information according to this Policy.
Hyperlink policy
Hyperlinks from HSBC to websites outside the HSBC Group
There may be cases on our website when HSBC Bank (China) Company Limited ("HSBC") provides hyperlinks to other locations on the Internet. These hyperlinks lead to websites published by third parties - ie not affiliated with the HSBC Group. They have been included to enhance your user experience and are presented for information purposes only. We endeavour to select reputable websites and sources of information for your convenience. However, by providing hyperlinks to an external website, HSBC does not endorse, recommend, approve, guarantee nor introduce any third parties or the services/ products they provide on their websites.
We are not responsible for the accuracy of the content of any externally linked website or of any web page that links to our site. You follow these links at your own risk and HSBC is not responsible for any damages that may arise from the link. HSBC is not a party to any contractual arrangements entered into by you and the provider of the external website.
Any links to websites that contain downloadable software are provided for your convenience. Again we are not responsible for any difficulties you may face downloading the software or for any consequences from doing so. Please remember that the use of any software that you download from the Internet may be governed by a licence agreement.
Please be mindful that when you leave our website you will be subject to the terms of use and privacy policies of the new website that you visit.
Hyperlinks from HSBC to Other HSBC Group websites
We may also include hyperlinks to other HSBC Group websites for your convenience. The products and services offered on these websites may be limited to persons located in or resident in only that jurisdiction. In addition, the content on these linked websites may not be intended for persons located or resident in jurisdictions that restrict such distribution. The terms and conditions in each HSBC Group entity may differ and should be consulted before using the website.
Hyperlinks from external websites to our HSBC websites
HSBC is not responsible for the setup of any hyperlink from a third party to any HSBC website. Any links established in this way do not constitute any form of cooperation or endorsement by HSBC. The HSBC Group is not liable for any loss or damage incurred or suffered by you or any third party arising out of the use of such links.
Our Trademarks and Copyright
The content and information contained within our website or delivered to you in connection with your use of our website is the property of HSBC and any other third party (where applicable). The trademark, trade names and logos (the "Trade Marks") that are used and displayed on our website include registered and unregistered Trade Marks of HSBC and other third parties. Nothing on our website should be construed as granting any licence or right to use any Trade Marks displayed on our website. We retain all proprietary rights on our website. Users are prohibited from using the same without written permission of the Bank of such or such other parties.
The materials on this website are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without the Bank's prior written consent.
No Warranties
While every care has been taken in preparing the information and materials contained in this site, such information and materials are provided to you "AS IS" without warranty of any kind either express or implied. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a particular purpose or freedom from computer virus is given in conjunction with such information and materials.
Terms of Use from HBCN PWS/PIB
This section contains the Terms of Use of this website. By accessing this website and any of its pages, you are agreeing to these Terms.
Non-provision of financial services or products
HSBC Bank (China) Company Limited (“the Bank”) does not offer any financial services or products through its use and operation of this website, or gateway (the “Site”). Products or 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 Site is primarily intended for those who access it from within mainland China. Because of this the Bank 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. 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 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 the Bank is 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" without warranty of any kind, either express or implied. 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.
Website Security
The secure area of this Site supports the use of Secure Socket Layer (SSL) protocol and 128-encryption technology - an industry standard for encryption over the Internet to protect data. When you provide sensitive information such as credit card details, it will be automatically converted into codes before being securely dispatched over the Internet.
Our web servers are protected behind "firewalls" and our systems are monitored to prevent any unauthorised access. We will not send personal information to you by ordinary email. As the security of ordinary email cannot be guaranteed, you should only send email to us using the secure email facility on our website.
The Bank endeavours to put in place high standards of security to protect your interests. Both you and the Bank play an important role in safeguarding against online fraud. You should be careful that your account details (including your username and password) are not compromised. You should ensure that you do not knowingly or accidentally share, provide or facilitate unauthorised use of such details. If you think your username or password has been disclosed to another person, is lost or stolen or an unauthorised transaction has been conducted, you are responsible for informing the Bank immediately.
Use of Cookies and Other Technologies
Your visit to the Site may be recorded for analysis on the number of visitors to the site and general usage patterns. Some of this information will be gathered through the use of "cookies". Cookies can make the Site more useful by storing information about your preferences on particular sites, thus enabling website owners to provide more useful and safer features for their users. You may refer to relevant statement at relevant website (e.g. www.hsbc.com.cn) regarding our use of "cookies". The information collected by "cookies" is anonymous aggregated research data, and contain no name or address information or any information that will enable anyone to contact you via telephone, email or any other means. Most browsers are initially set to accept cookies. If you would prefer, you can set your browser to disable cookies or inform you when they are set. However, by disabling them, you may not be able to take full advantage of our website.
The Site may also work with third parties to research certain usage and other activities on the Site. These third parties include without limitation to Doubleclick, Yahoo!, Nielsen//NetRatings, WebTrends and Adobe. They use technologies such as spotlight monitoring, web beacons and "cookies" etc. to conduct this research. The information collected through technologies such as cookies, spotlight tags and web beacons etc. are used to find out more about our users, including user demographics and behaviour and usage patterns, for more accurate reporting and to improve the effectiveness of our marketing. Information recorded through the use of these devices are aggregated and then shared with the Bank. No personally identifiable information about you is collected or shared by Doubleclick, Yahoo!, Nielsen//NetRatings, WebTrends and Adobe with the Bank as a result of this research. Should you wish to disable the cookies associated with these technologies such as spotlight tags and/or web beacons etc., you may do so by changing the setting on your browser. However, you may not be able to enter certain part(s) of our website.
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 websites, or have any form of cooperation with such third parties and websites. 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 by the Bank.
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.
Downloading
We do 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. 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.
Governing Law
Use of this Site shall be governed by the laws of the People’s Republic of China.
Website Content
In case of any discrepancy between the English and Chinese versions, the Chinese version shall apply and prevail.
Temporary service suspension for system maintenance
Dear customers,
In view of system maintenance, our Debit Card service at UnionPay channels and Debit Card overseas HSBC ATM service will be temporarily out of service during 17 Feb 2019 (Sunday) 00:00 – 02:55.
We apologize for any inconvenience caused.
HSBC Bank (China) Company Limited
14 Feb 2019
Dear customers,
In view of system upgrade, our Facial Recognition to add new payee in Mobile banking will be temperately stopped from Oct 1st 2018 on. During the stop time, you can still use Security Device to add new payee. We will give another official notification when the system updated is finished.
We apologize for any inconvenience caused.
Thank you very much for your always supports and attentions.
HSBC Bank (China) Company Limited
19 Sep 2018
Important Notices
Important Notices
Notification of unexpected restrictions on the use of personal bank accounts
Dear customers,
In order to protect your account safety, we will regularly contact you to review personal and account information. During this time, you may encounter unexpected restrictions on your personal account usage, this may be caused by incomplete personal information you have retained with us. We have sent a text message (or paper letter) to remind you to update the information in time. If you fail to receive or update the information, your personal account service may be affected.
If any question, please call HSBC during 9:00-18:00 Monday to Friday.
Contact link: https://www.hsbc.com.cn/en-cn/help/contact/
Thank you for your understanding and cooperation.
2 Jan 2019
Dear customers,
In accordance to the requirements in "the Administrative Measures on Due Diligence of Tax Related Information in respect of Non-Resident Financial Accounts", the Bank will conduct due diligence of tax related information in respect of non-resident financial accounts on the current pre-existing individual clients. Your cooperation of the due diligence task is highly appreciated if the date of your individual account opened is before 30 Jun 2017. If you don’t provide relevant information timely, we will use the information we already hold in our records to determine your tax residency and report to relevant tax authorities.
If you have any queries, please feel free to find your relationship manager or contact us at 400-820-1818 (In Mainland China) 86-400-820-1818 (Outside Mainland China) and press "0" for help after PIN verified. Our service hour is Monday to Friday, 9:00 AM – 18:00 PM (Beijing Time).
HSBC Bank (China) Company Limited
30 Sep 2018
Dear customers,
HBCN will officially stop issuing foreign currency demand draft to Hong Kong since 1 January, 2019. You can visit our branch for cross-border remittance or make convenient and efficient overseas transfer through digital channels such as online banking, WeChat banking, mobile banking, etc. Thank you for your understanding and support! For any enquiries, you can refer to HSBC website www.hsbc.com.cn, or refer to your HSBC debit card for more detail information.
Premier Service hotline: 400-820-8828, Advance Service hotline: 400-820-8878.
HSBC Bank (China) Company Limited
20 Sep 2018
Dear customers,
HSBC +1-908-PREMIER emergency hotline will be demised from 30 Jun 2018. For any enquiries, you can refer to HSBC website www.hsbc.com.cn or call our premier hotline 400-820-8828. You can also refer to back of your HSBC debit card for more detail information. Thanks for your understanding and support!
HSBC Bank (China) Company Limited
5 June 2018
From 6 August 2017, the single transfer limit for cross-bank payment via digital channel (include online banking, mobile banking and WeChat service account) will be increased to 500,000. At the same time, for CNY 3rd party transfer within HSBC China and CNY Interbank Transfer, the daily transfer times limit will be decreased to 10. The single transfer limit will be subject to the daily transfer limit you set up via online banking. If the daily transfer limit and daily transfer times needs to be adjusted, you can log on your online banking to update it.
From 26 June 2017, the third-party transfer limit of digital channels has been increased to CNY 1million for non-designated payee and CNY 2million for the pre-designated payee. You can set your limit in 'Manage internet banking limit' in Online Banking or submit an application form in our branches.
Find out more about important notices, HSBC's privacy & security policies, hyperlink policy, terms of use of this website and system maintenance information.
From April 30 2017, the ‘CNY 3rd party transfer within HSBC China’ and ‘CNY Interbank Transfer’ via Online Banking, Mobile Banking and WeChat Banking will be subject to the daily transfer counts. If it needs to be adjusted, you can log on your Online Banking and enter the 'Adjust the online banking transaction limit' page to update it.
This is the notification of update on tariff of accounts and services for personal customers and it will come into effect on 1 January 2019.
This is the notification of update to Phone Banking Service General Terms And Conditions and it will come into effect on 1 March 2017.
Please be advised that the tariff of accounts and services for Small Business Banking has been udpated.
From 28 November , 2016, the service hours of online FCY/CNY conversion has been adjusted to 9:30AM-6:00PM, Monday to Friday each working day. The service hours of online FCY/FCY trading will be adjusted to 7/24. [28 November, 2016]
With Deposit Insurance you can protect your deposit. This plan introduces a deposit-insurance system, aimed at providing adequate protection to depositors.
Privacy and Security
Personal Information and Privacy Protection Policy
Latest Revision Date: 22 May 2018
HSBC Bank (China) Company Limited (“HSBC”, “the Bank”, “we” or “us”) take personal information confidentiality and security very seriously, and strive at all times to protect our customers’ and related parties’ personal information and privacy according to law. We therefore formulate this Personal Information and Privacy Protection Policy (this “Policy”) and collect, use, disclose and protect your personal information (including the personal information of the person you represent) in accordance with this Policy. Please be advised to read this Policy carefully to fully understand the purposes, methods, and scope of personal information we collect and use, HSBC’s practices regarding personal information and privacy protection, your rights and interests with regard to personal information and privacy and how to assert your rights and interests. The table of content of this Policy is set out as below:
I. Personal Information and Privacy Protection Policy Overview – How We Protect Your Personal Information
II. How We Collect Your Personal Information
III. How We Use Cookies and Other Technologies
IV. How We Use or Disclose Your Personal Information
V. Your Rights Relating to Personal Information
VI. How We Handle Minors’ Personal Information
VII. Update of this Policy
VIII. Miscellaneous
If you have any query, comment or suggestion, please Contact HSBC. You may contact us through the contact information listed in this Policy, by calling the Bank’s hotline or visiting the Bank’s branches or sub-branches. You may also visit the Bank’s official website www.hsbc.com.cn or official WeChat account “汇丰中国客户服务” (WeChat ID: HSBCeBanking) to enquire the nearby branches or sub-branches, or other contact information of the Bank suitable for you.
This Policy shall apply to your and related parties’ personal information that may be involved when you visit, browse, use any website or mobile device application of the Bank (including but not limited to mobile banking application, WeChat official account application and etc.), apply for or use any product, device or service of the Bank, handle any business at the Bank or make any transaction with the Bank, participate in any marketing events and surveys of the Bank, apply for any position at the Bank, and/or in any way contact or correspond with the Bank, no matter the information is provided by yourself or by the related parties, or collected or acquired by the Bank from other sources according to law, regulation, regulatory provision, or based on your or related parties’ authorisation or consent. The Bank may collect, verify, store, use, process, disclose, transfer, protect your and related parties’ personal information in accordance with this Policy and other terms and conditions otherwise agreed between you and the Bank. If there is any discrepancy between this Policy and the other terms and conditions agreed between you and the Bank, such other terms and conditions shall prevail.
Latest Revision Date: 22 May 2018
HSBC Bank (China) Company Limited (“HSBC”, “the Bank”, “we” or “us”) take personal information confidentiality and security very seriously, and strive at all times to protect our customers’ and related parties’ personal information and privacy according to law. We therefore formulate this Personal Information and Privacy Protection Policy (this “Policy”) and collect, use, disclose and protect your personal information (including the personal information of the person you represent) in accordance with this Policy. Please be advised to read this Policy carefully to fully understand the purposes, methods, and scope of personal information we collect and use, HSBC’s practices regarding personal information and privacy protection, your rights and interests with regard to personal information and privacy and how to assert your rights and interests. The table of content of this Policy is set out as below:
I. Personal Information and Privacy Protection Policy Overview – How We Protect Your Personal Information
II. How We Collect Your Personal Information
III. How We Use Cookies and Other Technologies
IV. How We Use or Disclose Your Personal Information
V. Your Rights Relating to Personal Information
VI. How We Handle Minors’ Personal Information
VII. Update of this Policy
VIII. Miscellaneous
If you have any query, comment or suggestion, please Contact HSBC. You may contact us through the contact information listed in this Policy, by calling the Bank’s hotline or visiting the Bank’s branches or sub-branches. You may also visit the Bank’s official website www.hsbc.com.cn or official WeChat account “汇丰中国客户服务” (WeChat ID: HSBCeBanking) to enquire the nearby branches or sub-branches, or other contact information of the Bank suitable for you.
This Policy shall apply to your and related parties’ personal information that may be involved when you visit, browse, use any website or mobile device application of the Bank (including but not limited to mobile banking application, WeChat official account application and etc.), apply for or use any product, device or service of the Bank, handle any business at the Bank or make any transaction with the Bank, participate in any marketing events and surveys of the Bank, apply for any position at the Bank, and/or in any way contact or correspond with the Bank, no matter the information is provided by yourself or by the related parties, or collected or acquired by the Bank from other sources according to law, regulation, regulatory provision, or based on your or related parties’ authorisation or consent. The Bank may collect, verify, store, use, process, disclose, transfer, protect your and related parties’ personal information in accordance with this Policy and other terms and conditions otherwise agreed between you and the Bank. If there is any discrepancy between this Policy and the other terms and conditions agreed between you and the Bank, such other terms and conditions shall prevail.
I. Personal Information and Privacy Protection Policy Overview – How We Protect Your Personal Information
a. Overview
To preserve the confidentiality, security and privacy of all personal information you provide to us, we follow the principle of reasonableness, legitimacy and rightfulness, and maintain the following policies to protect personal information and privacy:
1. We only collect personal information that we believe to be relevant and required for us to comply with law, regulation and regulatory provision, understand your needs, build up, review, maintain and develop our relationship with you, provide you with products and services, and continuously improve our products and services.
2. We use your personal information with the aim to comply with law, regulation and regulatory provision, provide you with better products and services, and build up, review, maintain and develop our relationship with you.
3. We may for specific purposes provide your personal information to other members of the HSBC Group, our respective agents or other third parties, as permitted by law.
4. We will not disclose your personal information to any third party, unless the disclosure is made to comply with law, regulation and regulatory provision or in accordance with this Policy or other agreement between you and the Bank.
5. We may be required from time to time to disclose your personal information to our regulators, other governmental or judicial bodies or agencies, but we will only do so following the requirement of law and regulation, our regulators or other authorities and to the extent that we deem necessary.
6. We aim to keep your personal information on our records accurate and up-to-date.
7. We maintain strict security systems designed to prevent unauthorised access to your personal information by anyone.
8. All members of the HSBC Group, all our staff and all third parties with permitted access to your personal information are specifically required or legally responsible to observe our confidentiality obligations.
By maintaining our commitment to these policies, we at HSBC will ensure that we respect the inherent trust that you place in us.
b. Information Security
1. Information security is our top priority. We will endeavour at all times to safeguard your personal information against unauthorised or accidental access, processing or erasure. We maintain this commitment to information security by implementing appropriate physical, electronic and managerial measures to secure your personal information.
2. The secure area of the website of the Bank supports the use of Secure Socket Layer (SSL) protocol and 128-bit encryption technology - an existing industry standard for encryption over the Internet to protect data. When you provide personal sensitive information through the website of the Bank, it will be automatically converted into codes so as to ensure secure transfer afterwards. Our web servers are protected behind “firewalls” and our systems are monitored to prevent any unauthorised access. For the sake of security, we will not send personal information by ordinary email.
3. We exercise strict management over our staff members who may have access to your personal information, including but not limited to access control applied to different positions, contractual obligation of confidentiality agreed with relevant staff members, formulation and implementation of information security related policies and procedures, and information security related training offered to staff. When we use services provided by external service providers (entities or individuals), we also impose strict confidentiality obligations on them and request them to abide by our security standards when processing personal information.
4. For the security of your personal information, you take on the same responsibility as us. You shall keep your personal information secret and confidential, such as your account information, identity verification information (e.g. user name, password, dynamic password, verification code, etc.), and all the documents, materials, devices or other media that may contain or record or otherwise relate to such information, and shall ensure your personal information and relevant documents, materials, devices or other media are used only in a secured environment. You shall not, at any time, disclose to any other person or allow any other person to use such information and relevant documents, materials, devices or other media. Once you think your personal information and/or relevant documents, materials, devices or other media have been disclosed, lost or stolen and may so endanger the relation between you and the Bank or cause your bank account being used for any unauthorised transaction, you shall notify us immediately so that we may take appropriate measures to prevent further loss from occurring.
5. If unfortunately personal information security incident occurs, we will adopt emergency plan and take relevant actions and remediation measures to mitigate the severity and losses in connection therewith. Meanwhile, we will report such personal information security incident and our actions in accordance with law, regulation and regulatory provision.
6. We will comply with all statutory and regulatory requirements concerning the retention of identifiable personal information. We will retain your personal information for the period necessary for the purposes set out in this Policy or other agreement between you and the Bank, unless a longer retention period is required or permitted by law, regulation or regulatory provision.
II. How We Collect Your Personal Information
1. As required for us to provide you with various products and services and continuously improve our products and services, or in order to contact or communicate with you, understand your needs, build up, review, maintain and develop our relationship with you, or for the purpose to comply with law, regulation and regulatory provision, during the time when you visit, browse, use any website or mobile device application of the Bank, apply for or use any product, device or service of the Bank, handle any business at the Bank or make any transaction with the Bank, participate in any marketing events and surveys of the Bank, apply for any position at the Bank, and/or in any way contact or correspond with the Bank, the Bank may receive and keep the personal information provided by yourself or by related parties, or, according to law, regulation, regulatory provision, your authorisation or consent, collect, enquire, verify by proper methods your and/or related parties’ personal information from/with members of the HSBC Group or other third parties (including but not limited to credit reference agencies, information service providers, relevant authorities, employers, counterparties, other relevant entities, joint applicants, contact persons, close relatives and other persons). The personal information we so collect may include information in paper, electronic (for example but not limited to information collected through any of the Bank’s self-service machine, website, Internet Banking, WeChat Banking, Mobile Banking, and/or other mobile devices applications, email, text message or Phone Banking) or any other forms.
2. For above various purposes, the Bank may collect necessary personal information according to this Policy and other agreement between you and the Bank. Personal information the Bank may collect mainly includes:
(1) Personal identity information, including name, sex, nationality, citizenship, registered residence (Hu Kou), ethnic, type/number/validity period of ID certificate, occupation, education, diploma, working experience, telephone number, e-mail, contact information, age, birth date, place of birth, marital status, health status, family status, place of residence, work address, photo, social security information, personal virtual identity and authentication information (e.g. Internet Banking account information), etc.;
(2) Personal property information, including personal income, real property, movable property (e.g. vehicle, financial assets, etc.), indebtedness, investment, tax-paid amount, tax residence, taxpayer identification number, amount paid for the provident fund, etc.;
(3) Personal biometrics information, such as signature, handwriting, portrait, fingerprint, voice, iris, face recognition information, etc.;
(4) Personal account information, including account number, time of account opening, institution with which the account is opened, account balance, account transaction information, etc.;
(5) Personal credit information, including credit card, loan and other credit transaction information and any other information about personal credit status;
(6) Personal financial transaction information, including personal information acquired, kept, recorded during any payment, settlement, wealth management, safe deposit box or other banking business, personal information generated from transactions made through banks with any third party institution like insurance company, securities company, fund house, futures company or payment agency, and etc.;
(7) Derivative information, including consumption habit, product/service/internet use habit, transaction or risk preference, risk appetite, investment intention, investment goal, knowledge and experience, and other information about particular person’s situation derived from processing and analysis of raw data;
(8) Any other personal information acquired or kept during the establishment or maintenance of business or other relationship with individuals, e.g. time/location (including geographic location and network address) of service use, log information related to browse/use/clicking/operation of website/software/application, image and video record, audio record, correspondence record and contents, device identifier and code, hardware type and serial number, operating system version, etc..
3. To the extent allowed by law and regulation, we may collect and use your personal information, without your consent under any of the following circumstances:
(1) where the collection and use are in direct relation to state security or national defense security;
(2) where the collection and use are in direct relation to the public security, public sanitation, or major public benefits;
(3) where the collection and use are in direct relation to investigations into crimes, prosecutions, court trials, execution of rulings, etc.;
(4) where the collection and use are for the sake of safeguarding your or other’s significant legal rights and interests, such as the life and property, but it is difficult to obtain your consent;
(5) where the personal information collected is the information voluntarily disclosed by you to the public;
(6) where the personal information is collected from information that has been legally and publicly disclosed, such as legal news reports and information published by the government;
(7) where the collection and use are necessary for concluding and performing contracts as required by you;
(8) Other circumstances specified by law and regulation.
III. How We Use Cookies and Other Technologies
1. Your visit, browse, use of any website or mobile device application of the Bank may be recorded for analysis on the number of visitors to the site and general usage patterns. Some of this information will be gathered through the use of “Cookies”. Cookies can enable us to provide more useful and safer features for website or application users. You may refer to relevant statement at our website (e.g. www.hsbc.com.cn) regarding our use of “Cookies”. The information collected by “Cookies” is anonymous aggregated research data, and contains no name or address information or any information that will enable anyone to contact you via telephone, email or any other means. Most browsers and/or applications are initially set to accept Cookies. You can manage or delete Cookies as per your preference. Should you wish to disable Cookies, you may do so by changing the setting on your browser and/or application. However, by disabling them, you may not be able to take full advantage of our website and/or application.
2. The website and/or application may also work with third parties to research certain usage and other activities on the website and/or application. These third parties include without limitation to Doubleclick, Yahoo!, Nielsen//NetRatings and Adobe. They use technologies such as spotlight monitoring, web beacons and "Cookies" etc. to collect information for such research. They use the information collected through such technologies (i) to find out more about users, including user demographics and behaviour and usage patterns, (ii) for more accurate reporting and (iii) to improve the effectiveness of our marketing. They aggregate the information collected and then share it with us. No personally identifiable information about you is collected or shared by Doubleclick, Yahoo!, Nielsen//NetRatings and Adobe with us as a result of this research. Should you wish to disable the Cookies associated with these technologies, you may do so by changing the setting on your browser and/or application. However, after changing the setting you may not be able to enter certain part(s) of our website and/or application.
IV. How We Use or Disclose Your Personal Information
1. Use of Personal Information
Your personal information and data collected by the Bank may be used for the following purposes (or any of them, depending on the nature of your relationship with the Bank):
(1) to provide you with products or services, to identify or verify your identity, to approve, manage, handle, execute or effect transactions requested or authorised by you;
(2) to comply with any Applicable Laws (“Applicable Laws” refer to any applicable local or foreign statute, law, regulation, ordinance, rule, judgment, decree, voluntary code, directive, sanctions regime, court order applicable to any member of the HSBC Group, agreement between any member of the HSBC Group and an authority, or agreement or treaty between authorities and applicable to the Bank or a member of the HSBC Group) and any order or requirement from any authority;
(3) to perform the Bank and/or the HSBC Group’s compliance obligations (including regulatory compliance, tax compliance and/or compliance with any Applicable Laws or requirement of any authority), or to implement any policy or procedure made by the Bank and/or the HSBC Group for performance of their compliance obligations;
(4) to detect, investigate and prevent any real, suspected or potential financial crime (including money laundering, terrorist financing, bribery, corruption, tax evasion, fraud, evasion of economic or trade sanctions, and/or violations, or acts or attempts to circumvent or violate any Applicable Laws relating to these matters) and to manage financial crime risk;
(5) to collect any amounts due from any debtor;
(6) to conduct credit or credit reference checks, to verify, obtain or provide credit references or credit information;
(7) to enforce or defend the Bank or any member of the HSBC Group’s rights, or to perform the Bank or any member of the HSBC Group’s obligations (whether statutory obligations or contractual obligations, including but not limited to the Bank’s obligations under any agreement entered into with any real or potential business and/or asset assignee, business partner or transaction participator);
(8) as required by or to fulfil the Bank or the HSBC Group’s internal operational requirements (including for credit and risk management, data statistics, analysis, processing and handling, system, product and service design, research, development and improvement, planning, insurance, audit and administrative purposes);
(9) to contact or communicate with you, understand your needs, build up, review, maintain and develop the Bank’s or any member of the HSBC Group’s overall relationship with you (including to market or promote relevant products or services to you, to assess your interests in relevant products or services, to conduct market research or survey or satisfaction survey, to review, approve or handle your application for any position at the Bank, etc.),
(10) to obtain or utilize administrative, consultancy, telecommunications, computer, payment, data storage, processing, outsourcing and/or other products or services.
2. Disclosure of Personal Information
For the purposes set out above, the Bank may provide or disclosure your personal information to the following recipients (the recipients may also, for the aforesaid purposes, use, process and further disclose the information they receive):
(1) any member of the HSBC Group;
(2) any contractor, subcontractor, agent, third party product or service provider, licensor, professional consultant, business partner, or associated person of the HSBC Group (including their employees, directors and officers);
(3) any regulator or other authority of the Bank or any member of the HSBC Group, or any organisation or individual designed by such regulators or authorities;
(4) anyone acting on your behalf, payment recipients, beneficiaries, account nominees, intermediary, correspondent and agent banks (e.g. for CHAPS, BACS, SWIFT), clearing houses, clearing or settlement systems, market counterparties, upstream withholding agents, swap or trade repositories, stock exchanges, companies in which you have an interest in securities (where such securities are held by the Bank for you), or anyone making any payment to you;
(5) any person or related party who has the right or obligation, acquires an interest or assumes risk, in or in connection with any product or service you receive from the Bank, or any business you handle at the Bank or any transaction you make with the Bank (for example, the person who provides or intends to provide any mortgage or other security for any of your debt to the Bank);
(6) other financial institutions, industrial associations, bank card organisations, credit reference agencies or credit bureaus (including without limitation the People’s Bank of China’s credit information database), information service providers;
(7) any third party fund manager providing you with asset management services;
(8) any broker that provides referral, agency or intermediary service to the Bank, or any third party to whom the Bank provides referral, agency or intermediary service;
(9) any party in connection with any business/asset transfer, restructure, disposal (including securitization), merger, spin-off or acquisition transactions of the Bank;
(10) any person to whom the Bank or any member of the HSBC Group is under an obligation or otherwise required to make disclosure for the aforesaid purposes.
Such provision or disclosure may involve cross border transmission of personal information, including information being transmitted to or being accessed by jurisdictions which do not have data protection laws that provide the same level of protection as the jurisdiction in which the Bank is located. Whether it is processed in a home jurisdiction or overseas, in accordance with applicable data protection legislation, your personal information will be protected by a strict code of secrecy and security which all members of the HSBC Group, their staff and third parties are subject to.
V. Your Rights Relating to Personal Information
1. You have the right to request us to protect and secure your personal information in accordance with the provisions of the law, regulation and this Policy.
2. You have the right to check with the Bank whether the Bank holds your personal formation and to check the personal information your have provided to the Bank.
3. You have the right to check with the Bank for the Bank’s policies on personal information and privacy protection. When you have any query about this Policy, you have the right to seek explanation/interpretation from the Bank to help you understand our practices regarding personal information and privacy protection and their possible consequence, and understand your rights and interests under this Policy in relation to personal information and privacy.
4. You have the right and obligation to update your personal information at the Bank to ensure all information be accurate and up-to-date. You have the right to require the Bank to provide convenience for you to update your personal information at the Bank and to correct any of your information that is inaccurate.
5. In relation to consumer credit, you have the right to request to be informed of your personal information that is disclosed to credit reference agencies by the Bank, so as to enable your request to the relevant credit reference agency for an access to and correction of your information.
6. Requests for access to or correction of personal information, for the Bank’s policies and practices regarding personal information and privacy protection, or for any personal information held by the Bank should be addressed to:
Compliance Officer
HSBC Bank (China) Company Limited
38/F HSBC Building, Shanghai IFC, 8 Century Avenue, Pudong, Shanghai, 200120
E-mail: hsbcaoc@hsbc.com.cn
Tel: 400-820-3090 (Please dial China country code +86 if you are calling from overseas)(8:30am - 5:30pm Monday to Friday during the working days)
Upon the receipt of your request, we will reply to you within 30 days or shorter period as prescribed by law and regulation (if any).
Normally the Bank will not charge fees for the processing of your above-mentioned reasonable requests related to personal information. Nevertheless, for the frequently repeated and unreasonable requests, the Bank will charge certain fees as the case maybe to the extent allowed by the law and regulation.
Due to the requirements of law and regulation, we may not to be able to respond your request under any of the following circumstances:
(1) where the request is in direct relation to state security or national defense security;
(2) where the request is in direct relation to public security, public sanitation, or major public benefits;
(3) where the request is in direct relation to investigations into crimes, prosecutions, court trials, execution of rulings, etc.;
(4) where there is sufficient evidence that you are intentionally malicious or abuses your rights;
(5) where responses to your request will give rise to serious damage to your or any other individual or organization’s legal rights and interests; and
(6) where the request involves any trade secret.
7. If at any time you would like us to cease using or providing to others your personal information for advertisement promotion purpose, you are entitled to notify the Bank and exercise your right of choice not to receive such advertisement promotion any more. If you so choose to reject advertisement promotion message, please contact our Call Centre by calling 400-820-8878(Please dial China country code +86 if you are calling from overseas). After receipt of your request we will, as soon as practical (usually no later than 30 days from your request), take actions to ensure no more advertisement promotion message should be sent to you.
8. You may supervise or make suggestions for the Bank’s practices regarding personal information and privacy protection, and to lodge complaints or demand compensation according to law against the Bank or its staff for any infringement of your rights and interests in your personal information and privacy.
9. Nothing in this Policy shall limit the rights you should have as a personal information subject under Chinese law.
VI. How We Handle Minors’ Personal Information
1. We understand the importance of protecting the minors’ personal information with extra caution. If you are under 18 years old, it is suggested that your parents or guardians shall carefully read this Policy and you shall submit your personal information only after seeking consent from them. Meanwhile, it is suggested that your use of our product and service is conducted under the guidance of your parents or guardians. If they do not agree you to submit your personal information or to use any product or service of the Bank, you shall immediately stop submitting the information or using the product and service of the Bank. In addition, please notify such event to us as soon as possible, so as to allow us to take effective measures.
2. If you are under 18 years old, for those personal information collected with consent of your parents or guardians, we will only use or disclose such information to the extent allowed by law and regulation or expressly consented by your parents or guardians or necessary for the protection of the interests of minors.
VII. Update of this Policy
This Personal Information and Privacy Protection Policy may be amended or updated from time to time. We will publish such changes at our website and/or relevant applications. Changes to this Policy will not impair or limit the rights you should have as a personal information subject under Chinese law.
VIII. Miscellaneous
1. Where you provide to us personal information about another person, you should ensure that person acknowledges this Policy and, in particular, tell him/her how we may use his/her information. You should remind that person to read this Policy in advance and may also give him/her a copy of this Policy.
2. In case of discrepancy between the Chinese and English versions of this Policy, the Chinese version shall apply and prevail.
3. IMPORTANT reminder: Before you apply for or use any product, device or service of the Bank, handle any business at the Bank, make any transaction or enter into relevant agreement with the Bank, visit, browse, use any website or mobile device application of the Bank, participate in any marketing events and surveys of the Bank, apply for any position at the Bank, and/or in any way contact or correspond with the Bank, please be advised to read this Policy carefully. You shall understand and agree that the Bank may collect, verify, store, use, process, disclose and protect your personal information according to this Policy.
Hyperlink Policy
Hyperlink policy
Hyperlinks from HSBC to websites outside the HSBC Group
There may be cases on our website when HSBC Bank (China) Company Limited ("HSBC") provides hyperlinks to other locations on the Internet. These hyperlinks lead to websites published by third parties - ie not affiliated with the HSBC Group. They have been included to enhance your user experience and are presented for information purposes only. We endeavour to select reputable websites and sources of information for your convenience. However, by providing hyperlinks to an external website, HSBC does not endorse, recommend, approve, guarantee nor introduce any third parties or the services/ products they provide on their websites.
We are not responsible for the accuracy of the content of any externally linked website or of any web page that links to our site. You follow these links at your own risk and HSBC is not responsible for any damages that may arise from the link. HSBC is not a party to any contractual arrangements entered into by you and the provider of the external website.
Any links to websites that contain downloadable software are provided for your convenience. Again we are not responsible for any difficulties you may face downloading the software or for any consequences from doing so. Please remember that the use of any software that you download from the Internet may be governed by a licence agreement.
Please be mindful that when you leave our website you will be subject to the terms of use and privacy policies of the new website that you visit.
Hyperlinks from HSBC to Other HSBC Group websites
We may also include hyperlinks to other HSBC Group websites for your convenience. The products and services offered on these websites may be limited to persons located in or resident in only that jurisdiction. In addition, the content on these linked websites may not be intended for persons located or resident in jurisdictions that restrict such distribution. The terms and conditions in each HSBC Group entity may differ and should be consulted before using the website.
Hyperlinks from external websites to our HSBC websites
HSBC is not responsible for the setup of any hyperlink from a third party to any HSBC website. Any links established in this way do not constitute any form of cooperation or endorsement by HSBC. The HSBC Group is not liable for any loss or damage incurred or suffered by you or any third party arising out of the use of such links.
Our Trademarks and Copyright
The content and information contained within our website or delivered to you in connection with your use of our website is the property of HSBC and any other third party (where applicable). The trademark, trade names and logos (the "Trade Marks") that are used and displayed on our website include registered and unregistered Trade Marks of HSBC and other third parties. Nothing on our website should be construed as granting any licence or right to use any Trade Marks displayed on our website. We retain all proprietary rights on our website. Users are prohibited from using the same without written permission of the Bank of such or such other parties.
The materials on this website are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without the Bank's prior written consent.
No Warranties
While every care has been taken in preparing the information and materials contained in this site, such information and materials are provided to you "AS IS" without warranty of any kind either express or implied. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a particular purpose or freedom from computer virus is given in conjunction with such information and materials.
Terms of Use
Terms of Use from HBCN PWS/PIB
This section contains the Terms of Use of this website. By accessing this website and any of its pages, you are agreeing to these Terms.
Non-provision of financial services or products
HSBC Bank (China) Company Limited (“the Bank”) does not offer any financial services or products through its use and operation of this website, or gateway (the “Site”). Products or 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 Site is primarily intended for those who access it from within mainland China. Because of this the Bank 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. 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 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 the Bank is 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" without warranty of any kind, either express or implied. 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.
Website Security
The secure area of this Site supports the use of Secure Socket Layer (SSL) protocol and 128-encryption technology - an industry standard for encryption over the Internet to protect data. When you provide sensitive information such as credit card details, it will be automatically converted into codes before being securely dispatched over the Internet.
Our web servers are protected behind "firewalls" and our systems are monitored to prevent any unauthorised access. We will not send personal information to you by ordinary email. As the security of ordinary email cannot be guaranteed, you should only send email to us using the secure email facility on our website.
The Bank endeavours to put in place high standards of security to protect your interests. Both you and the Bank play an important role in safeguarding against online fraud. You should be careful that your account details (including your username and password) are not compromised. You should ensure that you do not knowingly or accidentally share, provide or facilitate unauthorised use of such details. If you think your username or password has been disclosed to another person, is lost or stolen or an unauthorised transaction has been conducted, you are responsible for informing the Bank immediately.
Use of Cookies and Other Technologies
Your visit to the Site may be recorded for analysis on the number of visitors to the site and general usage patterns. Some of this information will be gathered through the use of "cookies". Cookies can make the Site more useful by storing information about your preferences on particular sites, thus enabling website owners to provide more useful and safer features for their users. You may refer to relevant statement at relevant website (e.g. www.hsbc.com.cn) regarding our use of "cookies". The information collected by "cookies" is anonymous aggregated research data, and contain no name or address information or any information that will enable anyone to contact you via telephone, email or any other means. Most browsers are initially set to accept cookies. If you would prefer, you can set your browser to disable cookies or inform you when they are set. However, by disabling them, you may not be able to take full advantage of our website.
The Site may also work with third parties to research certain usage and other activities on the Site. These third parties include without limitation to Doubleclick, Yahoo!, Nielsen//NetRatings, WebTrends and Adobe. They use technologies such as spotlight monitoring, web beacons and "cookies" etc. to conduct this research. The information collected through technologies such as cookies, spotlight tags and web beacons etc. are used to find out more about our users, including user demographics and behaviour and usage patterns, for more accurate reporting and to improve the effectiveness of our marketing. Information recorded through the use of these devices are aggregated and then shared with the Bank. No personally identifiable information about you is collected or shared by Doubleclick, Yahoo!, Nielsen//NetRatings, WebTrends and Adobe with the Bank as a result of this research. Should you wish to disable the cookies associated with these technologies such as spotlight tags and/or web beacons etc., you may do so by changing the setting on your browser. However, you may not be able to enter certain part(s) of our website.
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 websites, or have any form of cooperation with such third parties and websites. 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 by the Bank.
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.
Downloading
We do 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. 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.
Governing Law
Use of this Site shall be governed by the laws of the People’s Republic of China.
Website Content
In case of any discrepancy between the English and Chinese versions, the Chinese version shall apply and prevail.
Maintenance
Temporary service suspension for system maintenance
Dear customers,
In view of system maintenance, our Debit Card service at UnionPay channels and Debit Card overseas HSBC ATM service will be temporarily out of service during 17 Feb 2019 (Sunday) 00:00 – 02:55.
We apologize for any inconvenience caused.
HSBC Bank (China) Company Limited
14 Feb 2019
Dear customers,
In view of system upgrade, our Facial Recognition to add new payee in Mobile banking will be temperately stopped from Oct 1st 2018 on. During the stop time, you can still use Security Device to add new payee. We will give another official notification when the system updated is finished.
We apologize for any inconvenience caused.
Thank you very much for your always supports and attentions.
HSBC Bank (China) Company Limited
19 Sep 2018
Disclaimer
*You will leave hsbc.com.cn by clicking non-HSBC links. Those links may allow you to access other websites. Please read the linked websites' terms and conditions. HSBC has no control over non-HSBC websites and is not liable for your use of them.