Terms and conditions

These Terms cover your use of the Site. All products and services provided by members of the HSBC Group have their own terms and conditions (the 'Product Terms'). You must read both the Product Terms and these Terms. To the extent that the Product Terms conflict with these Terms then the Product Terms will prevail.

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 these Terms by us at any time without notice to you by updating the posting of the Terms. 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.

Neither the information, nor any opinion contained in our Site constitutes an offer to sell or solicitation or an offer to buy any securities or financial instruments or services or any advice or recommendation with respect to such securities or other financial instruments or services.

Should you seek to rely in any way whatsoever upon any content contained on this Site, you do so at your own risk.

Before you make any decision or take any action that might affect you or your personal finances or business, you should always consult a suitably qualified professional adviser to obtain appropriate financial, legal, accounting, tax and other advice.

The Site is currently intended for those who access it from within the Grand Duchy of Luxembourg. Because of this we cannot guarantee that the Site or the information thereon complies with or is appropriate for use in other 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.

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 under applicable legislation relating to the provision of financial services.

Whilst 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 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.

Where we provide 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 from 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 other way in connection with linking. Links to downloadable software websites 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 license agreement, if any, which accompanies or is provided with the software.

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our Site.

Copyright in the pages, screens, information, and all material in their arrangement, included in this Site is owned by or licensed to us or the HSBC Group unless otherwise noted. You may imprint, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter or otherwise make any changes to any material that you print or download from the Site, including, without limitation, removing any identifying marks or legends from such material. You may not distribute these materials to others. Any other use is prohibited unless you first request and obtain our written permission. In particular no one may use a part of our Site on any other website, or link any other website to our Site, without our prior written permission.

Content from a third party provider available on or through this Site may not be duplicated, distributed, published, transferred, transmitted, copied, altered, sold, used to create derivative works or otherwise misused. You must comply with all terms disclosed to you as required from time to time by any third party supplier of data or services to this Site, including but not limited to, where necessary, entering into a direct agreement with such third party in respect of your use of their data.

You may not use this Site for any purpose which is unlawful, abusive, libellous, obscene or threatening.

HSBC is a trademark of HSBC Holdings plc and all rights in and to HSBC vest in HSBC Holdings plc. Other than as provided above you may not use or reproduce the HSBC trademark, logo or brand name.

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 us or any message sent by us to you over the Internet.

The Site is not intended for use by minors.

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

The Terms are governed by and interpreted in accordance with the laws of the Grand Duchy of Luxembourg and the courts of Luxembourg will have non-exclusive jurisdiction in respect of any dispute, which may arise.