Please read the details set out below carefully before using this website (the "Site"). By accessing this Site, you agree to be bound by the following terms and conditions and disclaimers (the "Terms").
References to 'you', 'your' and 'yours' are references to the person(s) accessing the Site.
References to 'we', 'us' and 'our' are references to HSBC Expat. References to the 'HSBC Group' are references to HSBC Holdings plc, its subsidiaries, associated and affiliated companies.
All our products and services and those of other members of the HSBC Group are subject to the Terms and Conditions and disclaimers of the applicable agreement governing their use. These Terms are to be read by you together with any terms, conditions and disclaimers provided in the pages of the Site. In the event of any conflict, the terms, conditions and disclaimers provided in the pages of the Site shall prevail over these Terms. The information, material and content provided in the pages of the Site may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly and your continued access to or use of the Site will mean that you agree to any changes.
USERS OF THIS SITE
This Site is currently intended for those who access it from all over the world. Because of this we cannot guarantee that the Site or the information thereon complies with or is appropriate for use in all places.
You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms.
HSBC Expat provides financial products and services through its branch in Hong Kong. Privacy and personal data protection principles vary from one country to another. When you access or link to any other website, please read the privacy and data protection statements or agreements issued by such other websites to determine the polices that apply to information or data maintained by that website.
HSBC Expat has been built on trust between us and our customers. To preserve the confidentiality of all information you provide to us:
- HSBC will only collect customer information that it believes to be relevant and reasonably required to understand the customer and the customer’s financial needs and as otherwise reasonably required in connection with the conduct of HSBC’s business, compliance with legal and regulatory obligations and best practice, and risk management activities.
- HSBC will use customer information to provide customers with better customer services and products, as permitted by law.
- HSBC may pass customer information to other HSBC Group companies, service providers or agents, as permitted by law. HSBC will ensure that service providers and agents are required to apply appropriate confidentiality and security standards in respect of such customer information.
- HSBC may be required, from time to time, to disclose customer information to Governmental or judicial bodies or law enforcement or agencies or HSBC’s regulators but HSBC will only do so where permitted, or required, by law.
- HSBC will not otherwise disclose customer information to any external organisation unless HSBC have customer consent or are permitted or required by law or have previously informed the customer.
- HSBC aim to keep customer information accurate and up-to-date.
- HSBC maintain strict security systems designed to prevent loss, destruction, damage and/or unauthorised access to customer information by anyone, including HSBC staff.
- All Group companies, or HSBC staff and all third parties with permitted access to customer information are specifically required to observe HSBC’s confidentiality and information security obligations.
By maintaining our commitment to these principles, we will ensure that we respect the inherent trust that you place in HSBC Expat.
Not all products and services and investments described on this site are available in all jurisdictions and some are available on a limited basis only, due to local regulatory and legal requirements. The material on these pages is not intended for use by persons located in or resident in jurisdictions which restrict the distribution of this material by us. Persons accessing these pages are required to inform themselves about and observe any relevant restrictions.
This Site does not constitute an invitation to buy or the solicitation of an offer to sell investments in any jurisdiction to any person to whom it is unlawful to make such an offer or solicitation in such jurisdiction.
HSBC Bank International Limited. Registered Office: HSBC House, Esplanade, St Helier, Jersey JE1 1HS. Registered Number:2818.
HSBC Bank International Limited, trading as HSBC Expat is regulated by the Jersey Financial Services Commission for Banking, General Insurance Mediation, Investment and Fund Services Business.
HSBC Bank International Limited, Hong Kong Branch is licensed by the Hong Kong Monetary Authority as an Authorized Institution in Hong Kong and registered by the Securities and Futures Commission to conduct dealing in securities (Type 1) and advising on securities (Type 4) regulated activities under the Securities and Future Ordinance (Central entity number assigned by the Securities and Futures Commission: AGH398). Deposits made with our office in Jersey are not protected deposits under the Hong Kong Deposit Protection Scheme and are not protected by such scheme.
HSBC Bank International Limited, Representative Office Dubai, regulated by the Central Bank of the United Arab Emirates.
JERSEY DEPOSIT PROTECTION SCHEME
HSBC Bank International Limited is a participant in the Jersey Bank Depositior Compensation Scheme. The Scheme offers protection for eligible deposits of up to £50,000. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details of the scheme and banking groups covered are available on the states of Jersey website (www.gov.je) or on request.
Telephone: + 44 (0) 1534 445500
FOR CUSTOMERS RESIDENT IN THE UK
The HSBC Expat Site is approved for issue in the UK by HSBC Bank plc, 8 Canada Square, London E14 5HQ. HSBC Bank plc in the UK is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority with the firm reference number 114216.
UK DEPOSIT PROTECTION SCHEME
Deposits and investments made with our office in Jersey are not protected by the rules made under the UK's Financial Services and Markets Act 2000, including the Financial Services Compensation Scheme, and the UK's Financial Ombudsman Service.
HSBC Bank International Limited, trading as HSBC Expat. We are a member of the HSBC Group, one of the world's largest banking and financial services organisations in the world. Services are provided by around 6,900 offices in 87 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa. Our principal place of business is Jersey. The ultimate parent company of HSBC Bank International Limited is HSBC Holdings plc which is incorporated in England.
HSBC Bank International Limited places funds with other parts of its group and thus its financial standing is linked to that of the group. Depositors may wish to form their own view on the financial standing of HSBC Bank International Limited and the group based on publicly available information. The latest report and accounts are available here
YOUR CANCELLATION RIGHTS
If you change your mind and close the account within 14 days of opening it, we will not charge a fee.
Fixed Term Deposit Accounts
Once money is deposited for a fixed period, there is no cancellation period and it is not possible to make partial withdrawals.
Life Insurance and Pension Contracts
With your contract note, we will send you a notice of your right to cancel. If you wish to cancel, you may do so by returning the completed notice within 30 days of receiving it.
IF YOU WOULD LIKE TO MAKE A COMPLAINT
We are committed to providing you with a first-class service and effectively delivering the products and services you need. Even with the best of intentions, we know things can go wrong. So, if for any reason you are not entirely satisfied with any aspect of our service, please let us know as soon as possible. We'll investigate the situation and where necessary, set about putting things right as quickly as possible. We may also take steps to avoid similar problems happening in the future. Your views are important to us and your feedback is key to improving the products and services we offer.
HSBC Premier customers call: +44 1534 616 313
HSBC Advance customers call: +44 1534 616 212
If you're an existing customer and use our Internet banking service the quickest and most secure way is to use the Contact centre to send us a message, once you have logged on. If you don't currently use our Internet Banking service or don't bank with HSBC then you can email us at email@example.com
Write to us at the following address:
MORTGAGES AND CREDIT
The range of credit cards and mortgages detailed in this site are provided by HSBC Bank plc in the UK. Credit facilities are subject to status and mortgages are subject to security. For mortgages or other secured loans, a charge will be taken over the property. Written details of credit facilities are available on request, from HSBC Bank Expat, Esplanade, St. Helier, Jersey JE1 1HS, Channel Islands.
Your property may be repossessed if you do not keep up repayments on a mortgage.
Changes in the exchange rate may increase the sterling equivalent of your debt.
The Visa Debit Card, HSBC Bank Credit Card, HSBC Premier Credit Card and the Premier World Elite Credit Card are provided by HSBC Bank plc. HSBC Expat (a trading name of HSBC Bank International Limited) is an Appointed Representative of HSBC Bank plc, which is authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulatory Authority.
Nothing on this Site constitutes a solicitation or offer, to acquire or dispose of any investment, nor is it intended to form the basis of an investment decision and it should not be treated as if it were, or relied on in any way. Nothing on the website shall constitute investment advice or a recommendation to buy or sell investments by HSBC Bank International Limited.
The value of investments relating (and any income received from them) can fall as well as rise and you may not get back the amount you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets. Due to the difference between the buying and selling prices of shares, which will particularly impact on the value of your investment in the short term, you should regard investment companies as medium to long-term investments. Nationals of certain countries or territories may be subject to exchange controls and should seek independent advice before investing in Jersey.
In addition to offering an advisory and execution-only service to investors, HSBC Expat also acts as distributor to the HSBC Global Investment Funds and HSBC World Selection Portfolios.
Whilst banking in Jersey may have potential tax benefits for you. Tax rules differ from country to country. If you are unsure about your personal tax obligations you should seek professional tax advice. It is your responsibility to disclosure you income to tax authorities.
Your tax situation will depend on your personal circumstances and we recommend you obtain independent tax advice. Any tax information in this website is based on our understanding of current and proposed legislation and practice. The legislation and practice may be subject to change.
ONLINE SHARE DEALING
HSBC InvestDirect International share dealing services are provided by HSBC Bank plc in the UK.
It is possible that the country you live in will want to tax your worldwide income and gains, so we recommend that you take advice in your country of residence to ensure that in the UK you are aware of all the consequences of opening an HSBC Invest Direct International portfolio before you proceed.
The following clauses exclude or limit our legal liability for the Site. You should read them carefully. They all apply only as far as the law permits, and in particular we do not exclude or restrict our duties and liabilities to you. No representation or warranty is made, or implied, as to the accuracy or completeness of any information on the Site or on which the Site, or any information on it, is based. While we have taken reasonable steps to ensure the accuracy, currency, availability correctness and completeness of the information contained on the Site, information is provided on an as is, as available basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the site is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the site to the maximum extent permitted by law.
We do not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss 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.
THIRD PARTY SITES AND ENDORSEMENTS
Where we provide hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any other websites or pages linked to or linking to this Site. We have not verified the content of any such websites. Following links to any other websites or pages shall be at your own risk and we shall not be responsible or liable for any damages or in any other way in connection with linking. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.
No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our Site.
Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to the Bank or any message sent by the Bank to you over the Internet.
HSBC Expat operates channels, pages and accounts on some social media sites to inform, assist and engage with customers. We monitor and record comments and posts made on these channels about HSBC Expat so that we can improve our services.
HSBC Expat is not responsible for any information posted on those sites other than information we have posted ourselves. We do not endorse the social media sites themselves, or any information posted on them by third parties or other users.
HSBC Bank International Limited doesn't give investment, tax or other professional advice via social media sites. You should always seek independent advice before making such decisions.
When you engage with HSBC Expat via social media your personal data may be stored on that social media site's servers which are outside the control of HSBC Expat and may be in the US or elsewhere outside of Jersey or the UK. Any information posted to such sites may be accessed and read by the general public. It is not an appropriate forum to discuss customers' products or financial arrangements. HSBC Expat will not ask you to share personal, account or security information via social media sites, and you should not post such information on those channels.
HSBC Expat regularly updates and monitors our social media accounts and welcomes feedback and ideas submitted via these channels. HSBC Expat endeavors to join the conversation whenever possible, however cannot guarantee to read or reply to all messages sent to official HSBC Expat social media accounts.
Emerging themes and helpful suggestions are passed to the relevant people within HSBC Expat for consideration but no guarantee is made that any proposals will be acted on.
HSBC Expat operates the following Social Media streams:
HSBC Expat Customer Service on Twitter:
Follow us at @HSBC_Expat
Expat Explorer on Twitter:
Follow us at @expatexplorer
If any of the HSBC streams above follow another user then this does not imply endorsement of any kind.
HSBC Expat Explorer on Facebook:
Like us at www.facebook.com/HSBCExpat
Expat Explorer on Blogger:
Read our Expat Explorer Blog
TRADE MARKS AND COPYRIGHT
Copyright in the page screens, information and material in their arrangement included in this Site is owned by or licensed to HSBC Expat unless otherwise noted. You may imprint, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you first get our written permission. In particular no one may use a part of our Site on any other website, or link any other website to our Site, without our prior written permission.
Your contract with HSBC Expat is governed by the laws of Jersey, as our dealings with you up until the contract is concluded. We are required to tell you that the terms and conditions of the contract are in English and we will communicate with you in English.