Legal Information
The Hongkong and Shanghai Banking Corporation Limited
We will assess our success against five outcomes as follows:
- 1. We understand our customers’ needs
…and design, market and sell products and services that recognise the long-term interests of customers. - 2. We provide products and services that offer a fair exchange of value
…which balance customer and HSBC interests and do not undermine market competition. - 3. We service customers’ ongoing needs, and put it right if we make a mistake
…ensuring products and standards of service continue to have a positive impact. - 4. We act with integrity in the financial markets we operate in
…acting in our customers’ interests and not in ways which manipulate or undermine markets. - 5. We operate resiliently and securely to avoid harm to customers and markets
…across digital, physical and operational arrangements to support customer needs and wider financial system stability.
April 2022
The Hongkong and Shanghai Banking Corporation Limited, Japan Branch
Handling of Customers’ Personal Information etc. (Personal Information Protection Policy)
The Hongkong and Shanghai Banking Corporation Limited, Japan Branch (hereinafter, the “Bank”) has established the following policy with respect to the handling of customer Personal Information, Individual Number and Specific Personal Information (collectively, "Personal Information, etc.").
When handling customer Personal Information, etc., the Bank will comply with this policy in addition to relevant laws and regulations, including the Personal Information Protection Act (hereinafter referred to as "PIPA"), and relevant guidelines, including the Guidelines for the Protection of Personal Information in the Financial Sector (hereinafter referred to as the "Guidelines"). The Bank will continually review and improve its policy for handling of Personal Information, etc.
In this policy:
"Connected Person" means a person whose information the customer provides to the Bank in connection with transactions with the Bank. Connected Person may include, but is not limited to, any agent, any beneficiary, trustee or settler, and any substantial owner, representative, director or officer of the customer.
"Sensitive Information" is defined in the Guidelines. It includes "Special Care-Required Personal Information" and other information like membership of workers’ unions, family origin, registered domicile, health record and sex life etc. (excluding the parts under "Special Care-Required Personal Information").
"Personal Related Information" is defined in the PIPA. It refers to information about a living individual, which is not Personal Information nor Kana Processed Information and Anonymously Processed Information that are defined in the PIPA.
"Personal Information" is defined in the PIPA. It refers to information about a living individual that can identify the specific individual by a name, date of birth or other description contained in such information, or information containing an individual identification code defined in the PIPA.
"Personal Data" is defined in the PIPA. It refers to Personal Information constituting a personal information database etc. defined in the PIPA.
"Individual Number" refers to a number obtained by converting a resident record code in order to identify a person (so called "My Number").
"Specific Personal Information" refers to Personal Information that includes Individual Number information.
"Special Care-Required Personal Information" is defined in the PIPA. It refers to personal information comprising a principal's race, religious affiliation, social status, medical history, criminal record, fact of having suffered damage by a crime, or other descriptions etc. of which the handling requires special care so as not to cause unfair discrimination, prejudice or other disadvantages to the principal.
1. Purposes of Use of Personal Information, etc.
The Bank will use Personal Information, etc. of the customer (including Connected Persons) to the extent necessary for the following Purposes of Use within the following Business Operations, except where the Bank obtains such customer’s consent or where permitted under the relevant laws and regulations. For the avoidance of doubt, the Bank will use Individual Number and Specific Personal Information only to the extent permitted under the relevant laws and regulations.
(1) Business Operations
- The acceptance of deposits, fund transfers, currency exchange, lending of funds, foreign exchange, credit card issuance, and other businesses ancillary to these businesses.
- Any other activities and related businesses in which banks may be engaged in (including activities that may be permitted in the future).
(2) Purposes of Use
The Bank and its affiliates and associated companies will use customers’ Personal Information, etc. for the following purposes in relation to the provision of financial products and services. Pursuant to article 13, paragraph 6, item 6, etc. of the Ordinance for Enforcement of the Banking Act, the Bank shall not use or provide to a third party any information on the repayment capacity of a person seeking funds which was provided by an Individual Credit Information Organization for purposes other than for the investigation of the repayment capacity of the person seeking the funds. Further, pursuant to article 13, paragraph 6, item 7 of the Ordinance for Enforcement of the Banking Act, the Bank shall not use, nor shall it provide to a third party, any Sensitive Information of the customer unless the Bank deems it necessary to do so for its proper business operations or otherwise. The Bank will endeavor to decide the Purposes of Use as concretely as possible so that they are transparent to customers, and will endeavor to specify the purpose at the time of acquiring the information. For example, if the Bank intends to propose its products using Personal Information acquired by conducting a questionnaire, the Bank will disclose such intention.
- To provide information for the solicitation and sale of financial products, introduction, receiving an application, management, and execution of services in accordance with the Bank’s business operations.
- To: (i) ascertain the customer's identity under the Act on the Prevention of the Transfer of Criminal Proceeds, the Foreign Exchange and Foreign Trade Act and Hong Kong Monetary Authority Guidelines, (ii) avoid financial crime and money laundering, and comply with sanctions programmes that are administered by Japan, the United States, the United Kingdom, the European Union, Hong Kong, United Nations, etc., and (iii) ascertain a customer's eligibility for certain financial products and/or services.
- Management of ongoing transactions, such as the management of dates in various transactions;
- To make decisions on offers for various transactions, confirm eligibility for using instruments and services, and ongoing transactions, etc.;
- To make decisions about the appropriateness of providing financial products and services, such as decisions made in light of the principle of suitability.
- To provide personal information to a third party to the extent necessary for the performance of our business, including where personal information is provided to a Individual Credit Information Organization, etc. in the course of our lending business.
- To appropriately carry out operations when commissioned with all or part of the processing of Personal Information by another business etc.
- To fulfill obligations and exercise rights based on contracts with the customer or based on laws.
- For research and development of products and services through market research, data analysis, and questionnaire surveys.
- For making proposals concerning products and services by means of direct mail, email, etc.
- To make proposals on the products and services of HSBC Group Companies or associated companies etc.
- Cancellation of various transactions and post-cancellation management of transactions.
- To monitor and control the various risks that are necessary to be managed by HSBC Group Companies.
- Appropriate and smooth performance of transactions with customers.
Notwithstanding the Purposes of Use provided in each item above, the Bank will not use the Individual Number and Specific Personal Information for the purposes other than those permitted under the Act on the Use of Numbers to Identify a Specific Individual in Administrative Procedures. The Bank’s Purposes of Use of Individual Number and Specific Personal Information are as follows:
- Preparation of legal documents regarding financial instrument transactions.
- Processing of account opening and reporting regarding financial instrument transactions.
- Preparation of legal documents regarding transactions of domestic and international remittances, etc..
- Processing related to the numbering of deposit and saving accounts.
- Preparation of legal documents regarding payment records.
- Other purposes in relation to 1 through 5 above.
The Purposes of Use of Personal Information, etc. by the Bank, may be found on the Bank's website.
(3) Discontinuance of Direct Marketing
In case a customer requests the Bank to stop using his/her Personal Information for the purposes of direct marketing such as sending direct mails or solicitation by phone, the Bank will discontinue the usage for such purpose.
2. Proper Acquisition of Personal Information, etc.
To the extent necessary for the achievement of the Purposes of Use specified in item 1 above, the Bank will acquire Personal Information, etc. of the customer orally or in writing by appropriate and lawful means, for example, from the following information sources.
<examples>
- Where the information is provided directly by a document that the customer is required to fill in and submit (e.g. submission of an application form by the person in question, data entry via the website by the person in question).
- Cases where personal information is provided by third parties, such as Joint Users and a personal credit information organization.
3. Personal Information etc. Provided to Third Parties
The Bank will not provide a customer’s Personal Data it retains to third parties without the prior consent of the individual concerned, except as permitted by relevant laws and regulations. However, in the case where the Bank entrusts the Personal Data to a third party within the necessary scope to achieve its Purposes of Use, or in the case where the Personal Data is to be jointly utilized by a specified party set forth in item 6 below, the Bank may provide a customer’s Personal Data even without the prior consent of the customer.
Where providing Persona Data to third parties in foreign countries (including the above cases of the entrustment of the handling of the Personal Data and the joint use of the Personal Data), the Bank will not do so without obtaining prior consent of the customer, except for cases permitted by relevant laws and regulations. If a third party is located in a foreign country which has established a personal information protection system recognized to have equivalent standards to that of Japan (as set forth in the rules of the Personal Information Protection Commission (“PIPC”)) the Bank may provide the customers’ Personal Data to the third party without obtaining the prior consent of the customer.
In addition, the Bank may provide a customer’s Personal Information, without obtaining prior consent, to a third party in a foreign country which has developed a framework that conforms to the standards set forth in the rules of PIPC and is regarded as equivalent on an ongoing basis to the measures that a business operator handling Personal Information is required to take pursuant to the provisions of the PIPA (hereinafter referred to as "Equivalent Measures"). In such event, the Bank shall take measures necessary to ensure the continuous implementation of the Equivalent Measures by such third parties, and a customer may seek information on such measures.
At the time of obtaining consent from the customer, it might be difficult to specify the name of the foreign country, or obtain and provide information on its regime for protecting personal information, or information on the measures to be taken by the third party to protect Personal Information in an appropriate and reasonable manner. Therefore, a customer may request the Bank to provide the aforementioned information at a later date.
The Bank shall not provide all or part of the information with respect to any requests for information in the event that there is a risk that the proper performance of its business will be seriously impaired.
In providing customers’ Personal Related Information to a third party and where the third party is expected to receive the Personal Related Information as Personal Data, except as otherwise provided by relevant laws and regulations, the Bank shall confirm and provide the information in accordance with the provisions of such laws and regulations.
Further, the Bank will not provide Individual Number and Specific Personal Information to third parties beyond what is allowed under the laws and regulations.
4. Handling of Sensitive Information
The Bank will not acquire, utilise, nor provide to third parties, customer’s Sensitive Information, except in cases as illustrated by the Guidelines including cases based on relevant laws and regulations and the case in which there is a prior consent of the individual concerned within the scope of business need.
5. Entrustment of Operations Concerning Personal Information etc.
The Bank shall entrust its operations concerning Personal Data to a third party within the necessity to achieve the Purposes of Use as exemplified below. Note that the Bank, in entrusting its operations to a third party, will execute an agreement with the third party regarding the stringent handling of the Personal Data within such third party, and ensure that there are appropriate security control measures in place.
< examples >
- Operations regarding printing and dispatch of documents to be sent to customers.
- Operations related to transactions
- Operations to send out direct mails
- Operations and maintenance of computer systems
- Maintenance of books and records relating to business operations
6. Joint Use of Personal Data
The Bank may jointly use Personal Data (excluding Individual Number and Specific Personal Information) with other parties as follows:
(1) Joint Use of Information from Japan Official Gazette
- Jointly Used Personal Data Information published in Japan Official Gazette (name, address, bankruptcy, the date, etc.)
- Scope of Joint Users
Members of the Individual Credit Information Center held by the Japanese Bankers Association (hereinafter
referred to as the "Association"). To note, the Association’s Individual Credit Information Center is a
Individual Credit Information Organization which is established and managed by the Association. Conditions for
participation are as follows:
- An official member of the Association
- Other banks than the ones mention at (i). above or financial institutions that are equivalent to a bank under relevant laws and regulations
- Government-related financial institutions and equivalent institutions
- Credit Guarantee Association which is established in accordance with the Credit Guarantee Association Act (10 August 1953, the Law no.196)
- Corporate entities that run credit businesses related to individual customers, which are endorsed by members of the above (i).~ (iii).
- Purposes of Use To make decisions concerning own lending deals by the members of the Association’s Individual Credit Information Center.
- The entity name, location, and the name of the Representative Director responsible for management of Personal Data The Japanese Bankers Association The location and representative’s name can be found at the following website: https://www.zenginkyo.or.jp/abstract/outline/
- Jointly Used Personal Data
The following information in relation to the drawer of a non-performing disbursed draft, cheque or bill (for a
bill of exchange, the underwriter) (the same shall apply hereinafter) and the customer who initiated the
transaction.
- the name of the drawer (if the drawer is a juridical person, its name, representative name, and representative’s title)
- if there is a trade name with respect to the said drawer, the said trade name
- Address (office address if legal entity) (to include postal code)
- The name of the customer who initiated the transaction for the time period (if a juridical person, its name, representative name, and representative’s title. If there is a trading name, the said trading name).
- Date of birth
- Occupation
- Stated Capital (limited to cases of juridical persons)
- The type and face value of said draft, check or bill
- Whether the report is a for a non-payment (the first non-payment) or a report of in relation to the cessation of the transaction (cessation of transaction order)
- Exchange Date (Presentation Date)
- Payment bank (including department and branch name)
- Beneficiary bank (including department and branch name)
- Reason for non-performance
- The date on which the person received the cessation of transaction order
- Clearing organisation of which the payment bank (branch) of the non-performing disbursed draft, cheque or bill is a member and the bankers association of which the clearing organisation is a member.
Note: In relation to i. through iii. above, where the information contained on the non-performing disbursed draft, cheque or bill differs from the information notified to the payment bank, the information contained in the said draft, cheque or bill shall be included.
- Scope of Joint Users
- Clearing organizations of drafts, cheques or bills in each region
- Financial institutions that participate in the local clearing organisations
- All Individual Credit Information Organisations that are established and managed by the Association
- Regionally-based bankers associations, which are Special Members of the Association (including the organisation in relation to the cessation of transaction order)
The list of Joint Users can be found on the webpage of the Association.
- Purposes of Use To maintain smooth transactions of drafts, cheques and bills and to make decisions concerning own lending deals by financial institutions.
- The entity name, location, and the name of the Representative Director responsible for management of Personal
Data:
Bankers Association of the clearing organisation that the payment bank (branch) of the non-performing disbursed draft, cheque or bill is a member of.
The location and representative’s name of each Bankers Association can be found at the following website etc.: https://www.zenginkyo.or.jp/abstract/clearing/
(3) Joint Use of Information among HSBC Group Companies
The Bank may jointly use Personal Data with HSBC Group Companies in order to provide high value-added products and services and/or conduct strong risk management and enhancement of HSBC group business controls. This joint use will be undertaken under necessary control measures, and when there are restrictions set by applicable laws and regulations other than the PIPA, such as the FIEA, the Bank shall comply with such laws and regulations.
- Jointly Used Personal Data Information (name, address, date of birth, contents and purpose of a transaction, and occupation) of the customer (including its Connected Persons to the extent necessary for the implementation of the Purposes of Use) regarding the Bank 's eposits, loans, and fund transfers and other transactions.
- Scope of Joint Users The Bank and other HSBC group companies, the ultimate parent company of which is HSBC Holdings plc. (“HSBC Group Companies”). http://www.hsbc.com/about-hsbc/structure-and-network
- Purposes of Use
- The information will be used to monitor and manage the various risks that are necessary to be so monitored and managed for the business operations of the HSBC group.
- To: (i) ascertain the customer's identity under the Act on Prevention of Transfer of Criminal Proceeds, the Foreign Exchange and Foreign Trade Act and Hong Kong Monetary Authority Guidelines, (ii) avoid financial crime and money laundering, and comply with sanctions programmes that are administered by Japan, the United States, the United Kingdom, the European Union, Hong Kong, United Nations, etc. or (iii) ascertain a customer's eligibility for certain financial products and/or services.
- To plan and develop various financial products and services and related proposals.
- To properly and smoothly implement transactions with customers.
- Entity name, address, and the name of the Representative Director responsible for management of Personal Data are shown below: The Hongkong and Shanghai Banking Corporation Limited, Japan Branch 11-1, Nihonbashi 3-chome Chuo-ku, Tokyo Japan Edward Weeks President and Chief Executive Officer in Japan
7. Procedures for Disclosure etc. of Retained Personal Data
Upon receipt of a request/demand for disclosure etc. by a customer in relation to the purpose of utilization, disclosure, correction, addition or deletion, ceasing of provision to a third party, disclosure of a third party provision record of the customer’s Retained Personal Data, as defined in the PIPA (hereinafter referred to as a “Disclosure Request, etc.”), the Bank shall action the Disclosure Request, etc., without delay, by means of providing an electronic record, delivering documents or by other means agreed with the customer.
In case the customer inquiries about the existence of his/her Individual Number in the Bank's records, the Bank shall disclose whether it retains such Individual Number or not.
(1) Cases that cannot be handled
The Bank may not respond to the Disclosure Request, etc. in the following cases:
- if we cannot confirm the identity of the customer or if we cannot confirm the authority of the agent of the customer;
- if the application form is inadequately completed or if the fee is not paid within the prescribed period;
- if we are not required to respond under relevant laws and regulations, for example, because the item requested does not fall within the definition of Retained Personal Data; or
- if there is threat to seriously interfere with our business.
If the Bank decides not to accept the customer's Demand for Disclosure etc., in whole or in part, the Bank shall notify the customer thereof without delay.
(2) Documentation and Procedures for Handling a Disclosure Request, etc.
In order to make a Disclosure Request, etc., the customer shall submit a form prescribed by the Bank. The Bank, in handling the Disclosure Request, etc. shall confirm the identity of the customer or his/her agent in a manner comparable to the procedures required by the Act on the Prevention of the Transfer of Criminal Proceeds etc., by requesting the customer or his/her agent to submit necessary documents etc.
(3) Disclosure Request, etc. by an Agent
An agent who makes a Disclosure Request, etc. on behalf of a customer shall be one of the following:
- A legal guardian of a customer who is a minor or a ward that is of age.
- An agent authorized by the customer to make the Disclosure Request, etc.
The Bank will request a public certificate or power of attorney to confirm the authority of the agent, in addition to the above mentioned identity checking process.
(4) Handling Fee
The Bank will charge a fee of JPY 1,100 per case for the handling of a Disclosure Request, etc. The fee is payable at the time of such request and shall be paid in cash.
8. Security Control Measures
The Bank takes necessary and appropriate action in relation to security controls to avoid data leakage, loss or damage of customers’ Personal Information, etc. The Bank shall exercise necessary and appropriate supervision over staff and outsourced vendors (including subcontractors) who are handling customers’ Personal Information, etc.
(Development of Rules on the Handling of Customers' Personal Data)
- The Bank shall establish rules for the handling of customer Personal Data detailing how to handle the data, clarifying those in charge and for defining the roles at each stage of data processing (acquisition, use, storage, provision, deletion, disposal, etc).
(Organizational Security Control Measures)
The Bank shall:
- Assign a person to be responsible for the management of Personal Data.
- Maintain Security Control Measures under its Rules of Employment etc.
- Process Personal Data by applying the above mentioned rules.
- Maintain methods by which the handling status of Personal Data can be checked.
- Maintain and conduct a regime for monitoring and auditing the handling status of Personal Data.
- Maintain a regime to deal with incidents such as leakage etc.
(Measures for Human Security Management)
The Bank shall:
- Enter into a non-disclosure agreement etc. with employees covering Personal Data.
- Clarify employees’ roles and responsibilities.
- Inform, educate, and train employees regarding these Security Control Measures.
- Check employees’ compliance with processes to manage Personal Data.
(Physical Security Control Measures)
The Bank shall:
- Establish measures to prevent theft of equipment, etc.
- Manage recording media, etc. appropriately.
- Prohibit Personal Data to be taken outside the designated managed area in principle.
- Prohibit usage of floppy disk、USB port, personal laptop, etc., in principle.
- Strictly manage a log of entrance and exit of employees and visitors based on its rules for access management.
- Prevent mistakes of sending Personal Data by fax, telex, and emails and conduct checking of recipients and receipts to prevent Personal Data loss, etc.
- When disposing or returning equipment, process deletion of Personal Data in recordable media in the equipment appropriately.
- Dispose paper-based Personal Data in the box dedicated to the collection and disposal of sensitive documents.
(Technical Security Control Measures)
The Bank shall:
- Identify and verify users of Personal Data.
- Set up area controls and limit access to Personal Data.
- Manage access entitlements to Personal Data.
- Establish measures to prevent leakage and destruction of Personal Data.
- Record and analyze access to Personal Data.
- Record and analyze the ongoing status of information systems that process Personal Data.
- Monitor and audit information systems that process Personal Data.
(Understanding of External Environments)
- When handling Personal Information of customers in foreign countries, the Bank y shall implement appropriate Security Control Measures, after understanding the regime, etc. related to the protection of Personal Information in the foreign countries concerned.
9. Contacts
The Bank shall deal with complaints regarding the handling of Personal Information etc. properly and in a timely manner. Please use the following phone number for any inquires, comments, complaints, and Disclosure Request, etc. concerning the Bank’s handling of Personal Information etc. and Security Control Measures.
(Corporate sector)
Please contact your Relationship Manager or the following contact: Non-Financial Risk team, Wholesale Chief Operating Officer Office Address: 11-1, Nihonbashi 3-chome Chuo-ku, Tokyo Japan Telephone: 03-5203-3037 (9am to 5 pm on weekdays, not toll free)
(Former Retail sector)
Retail Services center, DBS Operations Address: 11-1, Nihonbashi 3-chome Chuo-ku, Tokyo Japan Telephone (Japan): 0120-777-369(9 am to 5 pm Monday to Friday (excluding holidays), toll-free) Telephone (overseas): +81-3-5204-5001(9 am to 5 pm Monday to Friday (excluding holidays), not toll free)
The Bank is a member of the following Authorized Personal Information Protection Organization. If you have any complaints or inquiries regarding the handling of Personal Information, you may contact these organizations as below:
- All Banks Personal Data Protection Council (http://www.abpdpc.gr.jp/) JBA Customer Relations Center or Bank Business Consultation offices Tel: 03-5222-1700 or at any of the Bank Business Consultation offices
- Personal Information Consulting Centre (http://www.jsda.or.jp) Japan Securities Dealers Association Tel: 03-3667-8427
- Personal Information Complaints/Consultations Centre (http://www.ffaj.or.jp/) Financial Futures Association of Japan Tel: 03-5280-0881
10. Changes to this Policy
The contents of this policy may by changed without notice and without informing customers individually in accordance with relevant laws and regulations due to legislative amendments and others reasons. In such case, the changes shall be published on the Bank’s website.
End
The Hongkong and Shanghai Banking Corporation Limited, Japan Branch 11-1, Nihonbashi 3-chome Chuo-ku, Tokyo Japan Edward Weeks President and Chief Executive Officer in Japan
The Hongkong and Shanghai Banking Corporation Limited declares the following Solicitation Policy on Financial Products in accordance with Law on Sales of Financial Products.
- All staff of the Hongkong and Shanghai Banking Corporation Limited (hereafter referred as "the Bank") shall abide by all the laws and regulations as well as this Solicitation Policy in order to conduct marketing financial products in an appropriate and sound manner.
- The Bank shall solicit financial services/products which the Bank determines to be suitable to the customers, after the bank understands well each customer's knowledge and experience of financial products, financial conditions, purpose of investments.
- The Bank shall provide proper explanation on products, including the features and associated risks, which is sufficient for customers understanding, based on customers knowledge and experience.
- The Bank shall not solicit neither at places nor during hours inappropriate to the customers.
- In order to prevent misleading solicitation, the Bank shall provide truthful information, including those information that may be unfavorable to our customers, and shall not provide judgmental information.
- The Bank shall make efforts to improve knowledge and skills on our financial products in order to conduct solicitation in an appropriate manner.
- The Bank shall take sincere attitudes and respond to customer inquiries and complaints with regard to our solicitation, and then shall exploit such learnings in the further improvement of solicitation.
To preserve the confidentiality of all information you provide to us, we have adopted the following privacy principles:
1. We only collect information that we believe to be relevant and required to understand your financial needs and to conduct our business.
2. We use your information to provide you with better customer services and products.
3. We may pass your information to other HSBC Group companies or agents and our outsourced vendors, as permitted by the relevant laws and regulations.
4. We will not disclose your information to any external organisation unless we have your consent or otherwise are permitted by the relevant laws and regulations.
5. We may be required from time to time to disclose your information to Governmental or judicial bodies or agencies or our regulators, but we will only do so under proper authority.
6. We aim to keep your information up-to-date.
7. We maintain strict security systems designed to prevent unauthorised access to your information by anyone, including our staff.
8. All Group companies, all our staff and all third parties with permitted access to your information are specifically required to observe our confidentiality obligations.
By maintaining our commitment to these principles, we at HSBC will ensure that we respect the inherent trust that you place in us.
Data Security
Security is our top priority. HSBC will strive at all times to ensure that your Personal Information, etc. will be protected against unauthorised or accidental access, processing or erasure. We maintain this commitment to data security by implementing appropriate physical, electronic and managerial measures to safeguard and secure your Personal Information, etc.
Our web servers are protected behind firewalls and our systems are monitored to prevent any unauthorised access.
All practical steps will be taken to ensure that Personal Information, etc. will not be kept longer than necessary and that HSBC will comply with all statutory and regulatory requirements concerning the retention of Personal Information, etc.
Security Assurance
Both you and HSBC play an important role in protecting against online fraud. You should be careful that your bank account details including your User ID and/or Password are not compromised by ensuring that you do not knowingly or accidentally share, provide or facilitate unauthorised use of it. Do not share your User ID and/or Password or allow access or use of it by others. If you think your User ID and/or Password has been disclosed to a third party, is lost or stolen and unauthorised transactions may have been conducted, please inform us immediately. We endeavor to put in place high standards of security to protect your interests.
Collection of Personal Information
Your visit to this 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 are small bits of information that are automatically stored on a person's web browser in their computer that can be retrieved by this site. Should you wish to disable these cookies you may do so by changing the setting on your browser. However, you may be unable to enter certain parts of our website.
Occasionally we may collect Personal Information from visitors to this site. Such information is only collected from individuals who voluntarily provide us with their Personal Information. We may use this information to advise them of products, services and other marketing materials which we think may be of interest to them. We may also invite visitors to this site to participate in market research and surveys and other similar activities.
If we ask you to provide Personal Information, etc., we will always specify the purpose of collection of Personal Information, etc. and ensure that it is used only for the purpose specified at the time of collection.
Our Policy for Handling Complaints and Disputes
In relation to the handling of complaints and disputes, taking into consideration the financial Alternative Dispute Resolution system, the relevant departments of The Hongkong & Shanghai Banking Corporation Limited, Tokyo Branch, in coordination with one another, shall clarify the cause and responsibility of a complaint or dispute, respect the client’s situation, and make efforts to resolve the matter promptly, sincerely and fairly.
- • Complaints and disputes raised by clients shall be treated sincerely, the relevant information shall be shared and used in order to improve our firm’s business operations.
- • Personal information received from clients shall be managed appropriately.
- • Complaints by anti-social forces and unjustified involvements disguised as disputes shall be handled with a robust attitude, and managed appropriately in cooperation with the police or other relevant organizations as necessary.
- • Resolution with the understanding and consent of the client shall be pursued to the extent possible, such as by explaining appropriately to the client the process in handling the complaint or dispute.
- • In cases where it is evident that the complaint or dispute will not able to be resolved internally or in other cases that are deemed appropriate, an external dispute resolution organization below shall be introduced to the client in order to resolve the complaint or dispute.
Contact Point for Making a Complaint or Dispute
If you wish to make a complaint or dispute, please contact your sales representative or the Compliance Department (the designated responsible department).
The Hongkong & Shanghai Banking Corporation Limited, Tokyo Branch Compliance Department
Phone: 03-5203-3000
Alternative Dispute Resolution Framework
Disclosure pursuant to the Banking Act Article 12-3
The Hongkong and Shanghai Banking Corporation Limited, Tokyo Branch has signed an agreement with the Japanese Bankers Association (JBA) with respect to the use of customer complaint and dispute resolution procedures to be provided by JBA which is a Designated Dispute Resolution Body under the Banking Act.
Contact Information
JBA Customer Relations Center
Address: Ginko-Kaikan, 3-1, Marunouchi 1-chome, Chiyoda-Ku, Tokyo,〒100-8216
Phone: 0570-017109 or 03-5252-3772
Website: http://www.zenginkyo.or.jp/adr/
The Customer Complaint and Dispute Resolution Procedures for Registered Financial Institution business (securities related business), based on the Financial Instruments and Exchange Act Article 37-7, are set out below:
The customer complaint and dispute resolution procedures for this area of business are provided by the Japan Securities Dealers Association/ the Financial Futures Association of Japan (both through the Financial Mediation Assistance Center (FINMAC))
Contact Information
FINMAC
Address: Daini Shoken Kaikan, 1-1, Nihombashi Kayaba-Cho 2-chome, Chuo-ku, Tokyo, 〒103-0025
Phone: 0120-64-5005
Website: http://www.finmac.or.jp
Explanatory Note on Unregistered Credit Rating (For S&P Global Ratings)
From the viewpoint of ensuring fairness and transparency in the markets, Financial Instruments and Exchange Law has introduced the registration system for credit rating agencies. In accordance with this regulation, financial instruments business operators, etc are required to inform customers of the fact that the rating is not registered and the rationale for the registration system, etc. whenever marketing any financial products which are rated by unregistered credit rating agencies.
Rationale for the Registration System
Registered credit rating agencies are subject to the following regulations: (1) the duty of good faith; (2) the duty to maintain an operational management system which prevents conflicts of interest and ensures the fairness of the credit rating process, etc.; (3) the prohibition on giving a credit rating to a security which they hold; and (4) the duty to disclose information including to prepare and make available for public inspection the policies for credit ratings and the documents for public release and explanation. Registered credit rating agencies are also subject to supervision by the Financial Services Agency, including orders to submit information, onsite inspections and business improvement orders. However, unregistered credit rating agencies are not subject to such regulation or supervision.
Name of the Credit Rating Agency Group, etc.
Name of the Credit Rating Agency Group:
S&P Global Ratings (“ S&P”)
Name of the Registered Credit Rating Agency within the Group and its Registration Number:
S&P Global Ratings Japan Inc. (FSA Commissioner (Rating) No. 5)
S&P Global SF Japan Inc. (FSA Commissioner (Rating) No. 8)
Method of Obtaining the Information about the Summaries of the Policies and Criteria for Credit Rating
The information is published in the “Unregistered Rating Information” (「無登録格付け情報」http://www.standardandpoors.co.jp) which can be found in the menu under “Library/Regulation Related” (「ライブラリ・規制関連」) on the website of S&P Global Ratings ( http://www.standardandpoors.co.jp/unregistered).
Assumptions, Significance and Limitations of the Rating
Credit ratings assigned by S&P Global Ratings are statements of opinion on the future credit quality of specific issuers or issues as of the date they are expressed and do not indicate the probability of default or guarantee the credit of the specific issuers or issues. Credit ratings are not a recommendation to purchase, sell or hold any securities, or a statement of market liquidity or prices in the secondary market of any issues.
Credit ratings may change depending on various factors, including issuers' performance, changes in external environment, performance of underlying assets, creditworthiness of counterparties and others. S&P Global Ratings conducts rating analysis based on information it believes to be reliable and provides ratings only when it believes to have enough information in terms of quality and quantity to support its opinion. However, S&P Global Ratings does not perform an audit, due diligence or independent verification of any information it receives from issuers or other third parties, nor guarantees accuracy, completeness or timeliness of the information received or the results caused by use of such information. It should be noted that, depending on the credit ratings, there may be inherent risks associated with the limitation on available historical data.
This information is prepared as of 1 November 2022 based on sources which we believe are reliable, but we do not guarantee its accuracy or completeness. For details, please refer to the above mentioned website of S&P Global Ratings.
Explanatory Note on Unregistered Credit Rating (For Moody’s Investors Service)
From the viewpoint of ensuring fairness and transparency in the markets, Financial Instruments and Exchange Law has introduced the registration system for credit rating agencies. In accordance with this regulation, financial instruments business operators, etc. are required to inform customers of the fact that the rating is not registered and the rationale for the registration system, etc. whenever marketing any financial products which are rated by unregistered credit rating agencies.
Rationale for the Registration System
Registered credit rating agencies are subject to the following regulations: (1) the duty of good faith; (2) the duty to maintain an operational management system which prevents conflicts of interest and ensures the fairness of the credit rating process, etc.; (3) the prohibition on giving a credit rating to a security which they hold; and (4) the duty to disclose information including to prepare and make available for public inspection the policies for credit ratings and the documents for public release and explanation. Registered credit rating agencies are also subject to supervision by the Financial Services Agency, including orders to submit information, onsite inspections and business improvement orders. However, unregistered credit rating agencies are not subject to such regulation or supervision.
Name of the Credit Rating Agency Group, etc.
Name of the Credit Rating Agency Group:
Moody’s Investors Service
Name of the Registered Credit Rating Agency within the Group and its Registration Number:
Moody’s Japan K.K. (FSA Commissioner (Rating) No. 2)
Moody’s SF Japan K.K. (FSA Commissioner (Rating) No. 3)
14 specified related companies*
Method of Obtaining the Information about the Summaries of the Policies and Criteria for Credit Rating
The information can be found on the website of Moody’s Japan K.K. and Moody’s SF Japan K.K. (https://ratings.moodys.com/japan/ratings news), under the tab “Regulatory Affairs” (「規制関連」), then by clicking on “Disclosures” (「開示」) and in the “Matters Related to the Explanation of Unregistered Ratings” (「無登録格付説明関連」) section. *Specified related companies are published on the website under (「金融庁長官より指定を受けた特定関係法人一覧」).
Assumptions, Significance and Limitations of the Rating
Credit ratings are Moody’s Investors Service ("Moody’s ") current opinions of the relative future credit risk of entities, credit commitments, or debt or debt-like securities. Moody’s defines credit risk as the risk that an entity may not meet its contractual, financial obligations as they come due and any estimated financial loss in the event of default. Credit ratings do not address any other risk, including but not limited to: liquidity risk, market value risk, or price volatility. Credit ratings do not constitute investment or financial advice, and credit ratings are not recommendations to purchase, sell, or hold particular securities. No warranty, express or implied, as to the accuracy, timeliness, completeness, merchantability or fitness for any particular purpose of any such rating or other opinion or information is given or made by Moody’s in any form or manner whatsoever.
Based on the information received from issuers or from public sources, the credit risks of the issuers or obligations are assessed. Moody’s adopts all necessary measures so that the information it uses in assigning a credit rating is of sufficient quality and from sources Moody’s considers to be reliable. However, Moody’s is not an auditor and cannot in every instance independently verify or validate information received in the rating process.
This information is prepared as of 1 November 2022 based on sources which we believe are reliable, but we do not guarantee its accuracy or completeness. For details, please refer to the above website of Moody’s Japan K.K. and Moody’s SF Japan K.K.
Explanatory Note on Unregistered Credit Rating (For Fitch Ratings)
From the viewpoint of ensuring fairness and transparency in the markets, Financial Instruments and Exchange Law has introduced the registration system for credit rating agencies. In accordance with this regulation, financial instruments business operators, etc. are required to inform customers of the fact that the rating is not registered and the rationale for the registration system, etc. whenever marketing any financial products which are rated by unregistered credit rating agencies.
Rationale for the Registration System
Registered credit rating agencies are subject the following regulations: (1) the duty of good faith; (2) the duty to maintain an operational management system which prevents conflicts of interest and ensures the fairness of the credit rating process, etc.; (3) the prohibition on giving a credit rating to a security which they hold; and (4) the duty to disclose information including to prepare and make available for public inspection the policies for credit ratings and the documents for public release and explanation. Registered credit rating agencies are also subject to supervision by the Financial Services Agency, including orders to submit information, onsite inspections and business improvement orders. However, unregistered credit rating agencies are not subject to such regulation or supervision.
Name of the Credit Rating Agency Group, etc.
Name of the Credit Rating Agency Group:
Fitch Ratings (“Fitch”)
Name of the Registered Credit Rating Agency within the Group and its Registration Number:
Fitch Ratings Japan Limited (FSA Commissioner (Rating) No. 7)
Method of Obtaining the Information about the Summaries of the Policies and Criteria for Credit Rating
The information is published in the “Overview of Policies etc for Credit Rating” (「格付方針等の概要」) in the “Regulation Related” (「規制関連」) section on the website of Fitch Ratings Japan Limited (https://www.fitchratings.com/site/japan).
Assumptions, Significance and Limitations of the Rating
Ratings assigned by Fitch are opinions based on established criteria and methodologies. Ratings are not facts, and therefore cannot be described as being "accurate" or "inaccurate". Credit ratings do not directly address any risk other than credit risk. Credit ratings do not comment on the adequacy of market price or market liquidity for rated instruments. Ratings are relative measures of risk; as a result, the assignment of ratings in the same category to entities and obligations may not fully reflect small differences in the degrees of risk. Credit ratings, as opinions on relative ranking of vulnerability to default, do not imply or convey a specific statistical probability of default.
In issuing and maintaining its ratings, Fitch relies on factual information it receives from issuers and underwriters and from other sources Fitch believes to be credible. Fitch conducts a reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology, and obtains reasonable verification of that information from independent sources, to the extent such sources are available for a given security or in a given jurisdiction. The assignment of a rating to any issuer or any security should not be viewed as a guarantee of the accuracy, completeness, or timeliness of the information relied on in connection with the rating or the results obtained from the use of such information. If any such information should turn out to contain misrepresentations or to be otherwise misleading, the rating associated with that information may not be appropriate. Despite any verification of current facts, ratings can be affected by future events or conditions that were not anticipated at the time a rating was issued or affirmed.
For a detailed explanation on the assumption, significance, and limits of credit rating, please refer to the section on “Definition regarding credit rating and other forms of opinions” on Fitch’s Japanese website.
This information is prepared as of 1 November 2022 based on sources which we believe are reliable, but we do not guarantee its accuracy or completeness. For details, please refer to the above mentioned website of Fitch Ratings Japan Limited.
Tokyo Branch of The Hongkong and Shanghai Banking Corporation Limited (a bank incorporated under the laws of Hong Kong SAR, the "Bank") is a branch office in Japan of a foreign bank. Deposits held with the Bank's Tokyo Branch are not covered by the Deposit Insurance System of Japan. In case of failure of the Bank, there is a possibility that the depositors might not be able to withdraw the deposits promptly. In addition, the deposits are not covered by the Deposit Protection Scheme in Hong Kong where the Bank is headquartered. Ultimate sources of foreign bank's capabilities lie in the foreign bank as a whole and the Bank's soundness is supervised by the regulatory authorities in Hong Kong.
It has recently come to our attention that third parties (see list below) are fraudulently portraying themselves as belonging to the HSBC Group for illegal financial gain, using registered trade names such as "The Hongkong and Shanghai Banking Corporation Limited", "HSBC" and "HSBC Private Bank". Should you have any suspicion that you have been approached by a fraudulent third party, please exercise caution and contact us
The following organisations have no relationship to the HSBC Group:
- HSPC
- HSBC BANK PAYMENT <hsbconlinebank@mail.md>
- US Fortune Group(美国财富集团)
Protecting Oneself
Phishing/Spam Email
It has recently come to our attention that a third party(s) is fraudulently portraying itself as belonging to the HSBC Group and using the email address "payment.advice@hsbc.com.hk" to send spam email. Please be advised that this email address does not belong to the HSBC Group and that we do not send payment related correspondence to multiple customers using a single email. Should you receive such an email, please delete it immediately, without opening any of the attachments.
Fraudulent individuals can make an email look as if it comes from someone else. Identifying a fake email can be difficult and fraudsters constantly change their methods. However the fake emails often display some of the following characteristics:
- The sender's email address doesn't tally with the trusted organisation's website address.
- The email is sent from a completely different address or a free web mail address.
- The email does not use your proper name, but uses a non-specific greeting like "dear customer".
- A prominent website link. These can be forged or seem very similar to the proper address, but even a single character's difference means a different website.
- A request for personal information such as user name, password or bank details.
- You weren't expecting to get an email from the company that appears to have sent it.
Fake Websites
It is very easy for fraudulent individuals to develop a fake website. However, here are some tips to help identify them:
- Look for evidence of a physical presence, for example, an address or telephone number. If in doubt, make a phone call or write a letter to establish whether they really exist.
- The website's address is different from what you are used to, perhaps there are extra characters or words in it or it uses a completely different name or no name at all, just numbers.
- Right-clicking on a hyperlink and selecting "Properties” should reveal a link's true destination − beware if this is different from what is displayed in the email.
- A request for personal information such as user name, password or other security details IN FULL, when you are normally only asked for SOME of them.
For customers who have been reclassified as a Professional Investor, reclassification continues to be effective on and from the date of acceptance for reclassification by The Hongkong & Shanghai Banking Corporation Limited, Tokyo Branch (hereinafter, “HSBC”) to and including the immediately succeeding September 30 (the last day of the effective period hereinafter referred to as the “Expiry Date”). If a customer desires to remain reclassified as a Professional Investor beyond the Expiry Date, the customer is required to make a renewal request for reclassification prior to the Expiry Date. If a customer who has been reclassified as a Professional Investor wishes to be treated as a General Investor, the customer may make the request at any time to HSBC.
For a customer who has been reclassified as a General Investor, the customer will continue to be treated as a General Investor until the earlier of (i) the day on which HSBC accepts, pursuant to the provisions of the Financial Instruments and Exchange Act, a request from such customer to be treated as a Professional Investor, or (ii) the day immediately preceding the day on which such customer becomes a qualified institutional investor.
HSBC Holdings plc, its subsidiaries and associates (HSBC Group) is a global organisation which provides an extensive range of financial services to its customers around the world. In Japan, HSBC Group entities include branches of The Hongkong and Shanghai Banking Corporation as well as HSBC Securities (Japan) Co., Ltd. and HSBC Asset Management (Japan) Limited
As the HSBC Group engages in a wide range of commercial and investment banking, brokerage, funds management, hedging transactions and investments it is possible that companies or businesses within the HSBC Group may from time to time potentially have interests which conflict, or potentially conflict, with its customers・interests or with the duties that it owes to its customers.
The types of conflicts include (a) those arising between the interests of HSBC on the one hand and with the interests of its customers on the other, (b) those conflicts between different customers, and (c) conflicts between an employee of HSBC Group and a customer.
For example, HSBC Group may trade proprietary positions in a security when at the same time another business or entity within HSBC Group may have information about future transactions with customers in relation to that security. HSBC Group may also provide advisory and financing services to one customer in respect of a bid and seek to provide financing services to another customer in respect of the same bid.
HSBC Group has therefore established comprehensive Conflict of Interest Management procedures which are designed to identify and manage such potential conflicts of interest. A key element of such procedures is that HSBC Group staff engaged in different business activities involving a potential conflict of interest must carry on those activities independently of one another.
In Japan, the Compliance Department, which is managed independently from business departments, is the responsible department for Conflict of Interest Management. The Compliance Department identifies potential conflicts of interest by monitoring the necessary business information and where applicable taking appropriate measures to manage and control conflicts of interest when they arise. These control procedures include organisational measures and administrative arrangements to safeguard the interests of customers and clients.
Where necessary, HSBC Group maintains arrangements which restrict the flow of information to certain employees in order to protect its customers' interest and to prevent improper access to customer information. Rules are also in place to prevent insider dealings by employees of HSBC Group.
In certain circumstances, HSBC Group may consider it appropriate to disclose a potential conflict of interest to a customer and obtain the customer's formal consent to proceed. However, HSBC Group will decline to act in any circumstance where a customer declines to give consent or where it considers that the potential conflict of interest cannot be managed without risk of damage to the interest of any customer.
The scope of conflicts of interest management is the activities of The Hongkong and Shanghai Banking Corporation Limited, HSBC Securities (Japan) Co., Ltd., HSBC Asset Management (Japan) Limited and all other HSBC Group companies worldwide which engage in financial business. Please be advised that HSBC Asset Management (Japan) Limited.does not share individual customer information with remaining HSBC Group companies.
Any customer requiring more details of our Conflict of Interest Management procedures should contact their Relationship Manager or other contacts at any of HSBC's offices in Japan.
As a responsible organisation the HSBC Group is committed to actively engaging in activities which contribute to the maintenance of stability and social order. It is our policy to take a firm stance against any group or organisation which engages in activities that may be deemed anti-social. Our position is in accordance with recent guidelines issued by both the Financial Services Agency and the Japan Bankers Association, namely we will:
1. Resolutely oppose any attempt by ASFs to associate with us.
2. Take all reasonable measures to protect HSBC staff against the activities of ASFs during the performance of their jobs.
3. We will continue to support external parties, including the police and legal professionals, in their fight against ASFs.
4. We will use the Japanese legal system to protect our staff and our business against ASFs.
Hyperlinks from HSBC to Websites outside the HSBC Group
There may be cases on our website when the HSBC Group ("HSBC") provides hyperlinks to other locations or websites on the Internet. These hyperlinks lead to websites published or operated by third parties who are not affiliated with or in any way related to HSBC. They have been included in our website to enhance your user experience and are presented for information purposes only. We endeavor to select reputable websites and sources of information for your convenience.
However, by providing hyperlinks to an external website or webpage, HSBC shall not be deemed to endorse, recommend, approve, guarantee or introduce any third parties or the services/ products they provide on their websites, or to have any form of co-operation with such third parties and websites unless otherwise stated by HSBC.
We are not in any way responsible for the content of any externally linked website or webpage. You use or follow these links at your own risk and HSBC is not responsible for any damages or losses incurred or suffered by you arising out of or in connection with your use of the link. HSBC is not a party to any contractual arrangements entered into between you and the provider of the external website unless otherwise expressly specified or agreed to by HSBC.
Any links to websites that contain downloadable software are provided for your convenience only. Again we are not responsible for any difficulties you may encounter in downloading the software or for any consequences from your doing so. Please remember that the use of any software downloaded from the Internet may be governed by a licensed agreement and your failure to observe the terms of such licensed agreement may result in an infringement of intellectual property rights of the relevant software provider which we are not in any way responsible.
Please be mindful that when you click on a link and leave our website you will be subject to the terms of use and privacy policies of the other website that you are going to 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 or residing in only that particular jurisdiction. In addition, the content on these linked websites may not be intended for persons located or residing in jurisdictions that restrict the distribution of such content. The terms and conditions governing the use of the website of each HSBC Group entity may differ and you should consult and carefully read the applicable terms and conditions before using the website.
Hyperlinks from External Websites to our HSBC Websites
You must always obtain the prior written approval of HSBC before creating a hyperlink in any form from a third party website to any HSBC website. HSBC may or may not give such approval at its absolute discretion. In normal circumstances, we may only approve a hyperlink which displays plainly our name or website address. Any use or display of our logos, trade names and trademarks as a hyperlink will not be approved unless in very exceptional circumstances and may be subject to a fee as HSBC may determine at its absolute discretion.
HSBC is not responsible for the setup of any hyperlink from a third party website to any HSBC website. Any links so set up shall not constitute any form of co-operation with, or endorsement by, HSBC of such third party website. Any link to our website shall always be an active and direct link to our website and shall be made directly to the home or front page of our website only and that no "framing" or "deep-linking" of our web page or content is allowed.
The HSBC Group is not liable for any loss or damage incurred or suffered by you or any third party arising out of or in connection with such link. For further trademarks and copyright information, please refer to the paragraph below. HSBC reserve the right to rescind any approval granted to link through a plain-text link or any other type of link, and to require the removal of any such link to any of the HSBC Group websites, at our discretion at any time.
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, service marks and logos (the "Trade Marks") that are used and displayed on our website include registered and unregistered Trade Marks of ourselves and other third parties. Nothing on our website should be construed as granting any licensed 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 HSBC or such other third 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 or such other third parties 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.
IMPORTANT: By accessing this web site and any of its pages you are agreeing to the terms set out above.
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.
Use of Information and Materials
Products and services referred to in this website are offered only in countries where they may be lawfully offered by a member of the HSBC Group. The materials on these pages are not intended for use by persons located in, or resident in, countries that restrict the distribution of such materials.
Non-provision of financial services or products
Neither [The Hongkong and Shanghai Banking Corporation Limited] (the "Bank") nor any HSBC Group members offer any financial services or products through their 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 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 not licensed or authorised to perform such activities (hereinafter the "Authorised Countries").
Not all the products and services that you may be able to view via this Site may be available in all geographical locations served by HSBC Group members. You should access only the Local Site(s) associated with your country of residence ("Your Local Site"). If you own products that are not discussed on Your Local Site, information about such products may be accessible on this or another HSBC website. Products and services discussed outside Your Local Site may not be available in your jurisdiction of residence or in the Authorised Countries and may not be appropriate for you. It is the responsibility of any persons accessing this Site and any information available through this Site to inform himself or herself of and to observe fully the applicable laws and regulations of any relevant jurisdiction. HSBC Group members may decline to provide you with products and services solely based on your country of residence.
Products discussed on this Site may not have been registered or authorized by any central bank, governmental or regulatory authority in the Authorised Countries or in the country of your residence. Accordingly, you may not have the benefit of protection from the securities laws, banking laws and other relevant laws and regulations of your country of residence with respect to products or services referred to on or through this Site.
No representation is given that any securities, products, or services discussed in or accessible through this Site are suitable for you or any particular person. You acknowledge that your use of this Site and any requests for information you have made as a result of visiting this Site have not been solicited by the Bank or any of its affiliates and that the provision of any information through this Site shall not constitute or be considered investment or financial advice.
The information contained in these pages is not intended to provide professional advice. Persons accessing these pages should obtain appropriate professional advice when necessary.
Copyright and Trademarks
The Group 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 HSBC Group 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 HSBC'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.
Linked Websites
HSBC 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, HSBC 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. HSBC is not a party to any contractual arrangements entered into between you and the provider of the external website unless otherwise expressly specified or agreed to by HSBC.
Email messages sent to HSBC over the Internet cannot be guaranteed to be completely secure. HSBC is not responsible for any damages incurred by users if they send a message to HSBC, or if HSBC sends a message to them at their request, over the Internet. HSBC 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. HSBC 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.IMPORTANT: By accessing this web site and any of its pages you are agreeing to the terms set out above.