Legal information

HSBC Expat is a division of HSBC Bank plc, Jersey Branch.
HSBC Bank plc, is registered in England and Wales number 14259. Registered office 8 Canada Square, London, E14 5HQ.

HSBC Expat products and services are available only in jurisdictions where and when they may be lawfully offered by us - and 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 any relevant restrictions and observe them. In addition, not all products or services mentioned on this website will be available to residents of all countries, due to HSBC Policy.

Important Information

Website Terms

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").

Before using this Site, you should read the Terms carefully, as well as our Cookie Policy and Website Privacy Notice

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.

Country Guidelines

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.

Our Information

HSBC Expat is a division of HSBC Bank plc, Jersey Branch. Head Office: HSBC House, Esplanade, St Helier, Jersey JE1 1HS.

HSBC Bank plc, Jersey Branch is regulated by the Jersey Financial Services Commission for Banking, General Insurance Mediation, Investment and Fund Services Business.

HSBC Bank plc, incorporated and registered in England and Wales number 14259, with limited liability. HSBC Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (UK FCA reference number: 114216). UK registered office: 8 Canada Square, London, E14 5HQ. Please note that as this service is provided from Jersey the rules and regulations which govern this service are primarily those of Jersey rather than the UK. Further information about the regulatory regime applicable to this service is available on request.

HSBC Bank plc, Hong Kong Branch is licensed by the Hong Kong Monetary Authority as an Authorized Institution in Hong Kong. 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.

Jersey Deposit Protection Scheme

HSBC Bank plc, Jersey Branch is a participant in the Jersey Bank Depositor 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 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.

General Information

HSBC Expat a division of HSBC Bank plc, Jersey Branch. 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 3,900 offices in 67 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 plc, Jersey Branch is HSBC Holdings plc which is incorporated in England.

HSBC Bank plc 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 plc and the group based on publicly available information.

View our latest report and accounts

Your cancellation rights

Bank Accounts

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.

Telephone

HSBC Premier customers call: +44 1534 616 313

HSBC Advance customers call: +44 1534 616 212

Online

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 expat@hsbc.com

Post

Write to us at the following address:

Customer Relations
HSBC Expat
HSBC House
Esplanade
St Helier
Jersey
JE1 1HS
Channel Islands

Mortgages and Credit

The range of credit cards and mortgages detailed in this site are provided HSBC Bank plc in the UK. Mortgages are also available from HSBC Expat, where applicable. 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 who is authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulatory Authority.

No Offer

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 Expat.

Investments

The value of investments (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.

Tax

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.

No Warranties

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. When you access or link to any other website, please read the terms and privacy notice issued by such other website to determine the policies that apply to information or data maintained by that website.

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.

Internet E-mail

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.

We maintain strict security standards and procedures to prevent unauthorised access to information about you. HSBC will never contact you by email or otherwise to ask you to validate personal information such as your user ID, password, or account numbers. If you receive such a request, please let us know by calling + 44 (0) 1534 616 313.

Social Media

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 Expat 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:

If any of the HSBC streams above follow another user then this does not imply endorsement of any kind.

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.

Governing Law

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.

Website Privacy Notice

Your privacy

Your privacy is important to us. This notice (Privacy Notice) applies to personal information we collect from you when you use this website. If you're a HSBC customer, or otherwise have a relationship with us, we may also have provided you with a separate privacy notice setting out how we use your personal information, which will also apply. You can also find that privacy notice by visiting the website for the product or services we provide you (for example, https:// expat.hsbc.com/) or by contacting your customer service team.

Some of the links on this website may lead to HSBC or non-HSBC websites with their own privacy notices, which may be different to this Privacy Notice, and you should read those notices carefully.

Please note that this website is hosted in Jersey and issued by HSBC Bank plc Jersey Branch. For us to address any concerns, comments or complaints about this website most effectively, we recommend that these should be directed to either to our customer service team (details on the website), our data protection officer in Jersey or the local data protection regulator (details provided below).

For the purposes of this Privacy Notice, the data controller will be HSBC Bank plc, a company incorporated in England and Wales and operating in the Channel Islands and Isle of Man through locally regulated branches. HSBC Bank plc's registered office is 8 Canada Square, London, E14 5HQ, United Kingdom.

The address for HSBC Bank plc (Jersey Branch) is HSBC House, Esplanade, St Helier, Jersey JE1 1HS, Channel Islands; for HSBC Bank plc (Guernsey Branch) it is Arnold House, St Julian's Avenue, St Peter Port, Guernsey, GY1 3NF, Channel Islands; and for HSBC Bank plc (Isle of Man Branch) it is HSBC House, Ridgeway St, Douglas IM1 2SG, Isle of Man.

We've also set out contact details for our data protection officer towards the end of this notice.

Information we may collect from you

We may collect and process the following information about you:

  • Information that you provide to us, such as when you fill out a contact or web form, or if you register to receive alerts or updates
  • Information that we obtain or learn, such as information about the browser or device you use to access this site, how you use this site and the pages you visit, traffic and location data

We may also ask you for information if you experience problems when using this site. We may also ask you to complete surveys for research purposes, although you don't have to respond to these.

If we have an existing relationship with you, and we are able to identify you from information obtained or provided by your use of the site, we may associate those sets of information, for example to enable us to respond to a query you have submitted.

Please note that this website is not designed or intended for children and we do not knowingly collect data relating to children.

How we use your information

We'll only use your information where we have your consent or we have another lawful reason for using it. Unless we say otherwise below, we'll use your personal information on the basis that it's within our legitimate interests in operating and maintaining the site, and providing you with site functionality and related services.

We use information provided or obtained via this site to:

  • respond to your queries and reports (for example, if you've asked a question or submitted a report via the site)
  • provide you with information, products or services you have requested or which we think may interest you, unless you tell us otherwise
  • carry out our obligations from any contracts entered into between you and us
  • allow you to participate in any interactive features of the site
  • notify you about changes to the site
  • provide you with alerts or updates where you've consented to receive these by registering on the site. You can opt out of these at any time by clicking the "unsubscribe" link at the bottom of each email we send you.
  • ensure site content is presented in the most effective manner for the device you're accessing it from (e.g. your mobile phone, personal computer or other electronic device)
  • undertake data analytics to learn more about how you and others interact with this site and with our advertising
  • detect and prevent misuse or abuse of this site or our services

We also use information to meet our compliance obligations, to comply with applicable laws and regulations and to share with regulators and other authorities that HSBC Group companies are subject to. This may include using it to help detect or prevent crime (including terrorism financing, money laundering and other financial crimes). We'll only do this on the basis that it's needed to comply with a legal obligation, it's in our legitimate interests and that of others or to prevent or detect unlawful acts.

Who we'll share your information with

We may share your information in order to provide you with products or services you've requested (for example, if they're not provided by the HSBC entity operating this site), if we have a legitimate interest in doing so (e.g. to manage risk, verify your identity, to combat fraud, abuse of our site or services), or where you've agreed to us doing so.

We may share your information with others including other HSBC group companies and (where legitimate and necessary) any of our service providers, anyone else whose products and services you've requested, anyone who we're under an obligation to disclose information to or where it's in the public interest, for example to prevent or detect fraud, abuse of our site or services).

IP addresses

We may collect information about your computer (or mobile device), including where available your IP address, operating system and browser type, for system administration or for our own commercial purposes. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.

Cookies

We use cookies and similar technologies to distinguish you from other users of this site, to improve your experience when accessing this site, and to improve the site. Detailed information on the cookies we use and the purposes for which we use them are set out in our Cookie Policy.

How long we'll keep your information

We keep your information in line with our data retention policy. For example, we'll normally keep correspondence for a period of six months. This enables us to comply with legal and regulatory requirements or use it where we need to for our legitimate purposes such as dealing with any enquiries."

We may need to retain your information for a longer period where we need the information to comply with regulatory or legal requirements or where we may need it for our legitimate purposes, e.g. to help us respond to queries or complaints, fighting fraud and financial crime, responding to requests from regulators, etc.

If we don't need to retain information for this period of time, we may destroy, delete or anonymise it more promptly.

Transferring your information overseas

Your information may be transferred to and stored in locations outside the Channel Islands and Isle of Man or the European Economic Area (EEA), including countries that may not have the same level of protection for personal information. When we do this, we'll ensure it has an appropriate level of protection and that the transfer is lawful.

You can obtain more details of the protection given to your information when it's transferred outside the Channel Islands and the Isle of Man and EEA by contacting us using the details in the 'More details about your information' section below.

Your rights

You have a number of rights in relation to the information that we hold about you. These rights include:

  • the right to access information we hold about you and to obtain information about how we process it;
  • in some circumstances, the right to withdraw your consent to our processing of your information, which you can do at any time. We may continue to process your information if we have another legitimate reason for doing so;
  • in some circumstances, the right to receive certain information you have provided to us in an electronic format and / or request that we transmit it to a third party;
  • the right to request that we rectify your information if it's inaccurate or incomplete;
  • in some circumstances, the right to request that we erase your information. We may continue to retain your information if we're entitled or required to retain it;
  • the right to object to, and to request that we restrict, our processing of your information in some circumstances. Again, there may be situations where you object to, or ask us to restrict, our processing of your information but we're entitled to continue processing your information and / or to refuse that request.

You can exercise your rights by contacting us using the details set out in the 'More details about your information' section below.

You have also the right to complain to the data protection regulator in Jersey, which is the Office of the Information Commissioner in Jersey.

In addition if you are dissatisfied with the decision you may have a right of appeal to the courts

How we keep your information secure

We use a range of measures to keep your information safe and secure which may include encryption and other forms of security. We require our staff and any third parties who carry out any work on our behalf to comply with appropriate compliance standards including obligations to protect any information and applying appropriate measures for the use and transfer of information.

More details about your information

If you'd like further information on anything we've said in this Privacy Notice, or to contact our Data Protection Officer, contact us at HSBC House, Esplanade, St Helier, JE1 1HS, Jersey, addressed 'for the attention of the DPO'.
 

View our Privacy Notice

Last updated: 21st May 2018