By accessing this website ("Site"), you agree to be bound by the following terms and conditions (the "Terms"). Before using this Site, you should read carefully the Terms and also our Privacy Statement.

This Site is operated by HSBC Private Bank (UK) Limited, authorised and regulated by the Financial Services Authority, and is listed with the Registration number 124781. HSBC Private Bank (UK) Limited is part of a worldwide group of businesses within the HSBC Group known as HSBC Private Bank which is ultimately owned by HSBC Holdings plc. HSBC Private Bank (UK) Limited is incorporated as a limited company in England, under Company Register Number 499482, with its Registered Office at 78 St James"s Street, London SW1A 1EJ. HSBC Private Bank (UK) Limited"s registered VAT Number is (GB) 365 6845 14.

This Site provides a portal, or gateway, to the financial services offered by the group of companies known as HSBC Private Bank. HSBC Private Bank is the principal private banking business of the HSBC Group. Private Banking may be carried out internationally by different HSBC legal entities according to local regulatory requirements. Different companies within HSBC Private Bank or the HSBC Group may provide the services described on this Site. Some services are not available in certain locations.

Your relationship manager will provide you with information concerning the products and private banking entities that can provide you with investment advice, estate planning and trust services, and as necessary will arrange for you to enter into an appropriate agreements for the provision of these services.
HSBC Group members comprising HSBC Private Bank are members of the HSBC Bank marketing group.
Further information and written details about our product and services are available from any of our branches.

In these Terms:

• "Content" means all pages, screens, information and materials included in or accessible through this Site (including any content available on any email or SMS services)
• "you", "your" and "yours" means you, the person(s) accessing this Site and the party on whose behalf you are doing so
• "we", "us" and "our" means HSBC Private Bank (UK) Limited
• "HSBC Group" means HSBC Holdings plc, its subsidiaries and associated companies from time to time

Terms and local sites

These Terms cover your use of this 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 or any Local Sites" terms and conditions then the Product Terms will prevail.

From this Site we may provide information or hyperlinks to other websites or pages provided by other entities within the HSBC Group (“Local Sites”) and other parties. Your use of Local Sites and other parties" sites may be subject to their own terms and conditions. You should read them.

Please make sure you read carefully all applicable terms, conditions and disclaimers relevant to your use of the products, services or information that may be offered to you from time to time.

If any part of these Terms is found by any court or other competent authority to be invalid, unlawful or unenforceable then such part shall be severed from the rest of the Terms which shall continue to be valid and enforceable to the fullest extent permitted by law.

Changes to our terms

We may change these Terms at any time by updating these pages.

You agree to review any applicable terms and conditions regularly and that your use of any part of this Site will be subject to any such changes once they are made.

Availability of site, products and services

The content, including layout, of this Site or products or services available via this Site may be wholly or partially suspended, withdrawn or changed at any time.

We also reserve the right at any time to immediately suspend the provision of all or any part of this Site to you and/or block your access to this Site.

Internet Monitoring

To maintain the security of its systems, protect its staff and detect fraud and other crimes, we reserve the right to monitor all internet communications, including web and e-mail traffic, into and out of its domains. Such monitoring includes, but is not limited to, checks for viruses and other malignant code, criminal activity and use or content which breaches the Group"s internal policies. We also reserve the right not to deliver any communication that breaches its internal policies.

The provision of financial services or products

If you choose to enter a website outside your country of residence, you are advised that it may not be legal in that jurisdiction for you to access or use the facilities available on that site and the legal requirements of that jurisdiction may prohibit you from dealing or otherwise transacting in that jurisdiction. No member of the HSBC Group will be liable for any breach of local law or regulation that you may commit as a result of using and accessing a website in a country in which you are not resident.

This Site is not directed to any person in any jurisdiction where (by reason of that person"s nationality, residence or otherwise) the publication or availability of this Site may be prohibited. Persons in respect of whom such prohibitions apply must not access the Site.

No offer

Nothing on this website should be construed as a solicitation or offer, or recommendation, to buy or sell securities or any other investment or banking product, or to provide any investment advice or service.

No warranties

Other than the warranties and representations contained in these Terms, all other warranties and representations, whether express, implied or statutory are, to the fullest extent permitted by the law, excluded. We do not exclude or restrict our liabilities or duties to you where or to the extent that this is prohibited by law or regulation. Use of this Site is at your sole risk.

We do not represent that:

• any information contained on this Site will be accurate, complete or up to date or meet your specific requirements,
• this Site will be available,
• access to this Site will be uninterrupted or that there will be no delays, failures, errors or omissions or loss of information as this Site is transmitted to you,
• no viruses or other contaminating or destructive materials or elements will be transmitted or that your computer system will not be damaged.
• We do not provide any guarantee about the accuracy, functionality or performance of any third party software, content or equipment used in connection with this Site.

Exclusion of our liability

To the extent permitted by law, neither we nor any member of the HSBC Group shall be liable for any damage, loss or liability (whether arising in contract, tort, including negligence, or otherwise) arising out of or in connection with:

• your use of this Site,
• your reliance on or your inability to use the information, products or services on this Site, or
• any failure or performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure to this Site or your use or attempted use of it.

The above exclusions apply to any damage which is direct, indirect, special, incidental or consequential or consists of loss of profits, business, opportunity or data.

All of the above exclusions apply even if you have advised us or any other member of the HSBC Group of the possibility of the above types of damage, loss or liability.

Your obligations

Security – it is your sole responsibility adequately to:

• protect and back up your data and equipment,
• undertake reasonable and appropriate precautions against any computer virus or other destructive materials or elements, and
• ensure that your computers and your access to this Site are adequately secured against any unauthorised users.

Your use of this Site – you may not use this Site or permit others to use this Site:

• in any way (including via electronic means) and for any purpose which is unlawful, defamatory or libellous, offensive, abusive, indecent, menacing or threatening or in any way breaches any intellectual property rights or obligations of confidence, or
• to cause annoyance, inconvenience or needless anxiety to any other person or in any other way which is in violation of any applicable law or regulation in any jurisdiction in the world, or
• to introduce a virus or other disruptive material or element or otherwise disrupt or impair this Site or any communication service.

You are wholly responsible for the use of the Site by any person using your computer and you must ensure that any such person complies with the Terms.

Links to our site

Neither you nor any other party may use any part of this Site on any other website, or link any other website to this Site, without our prior written permission. We are not responsible for the set up of any link from a third party website to our Site.

Neither you nor any other party may deep link to, frame, spider, harvest or scrape the Content or otherwise access the Content for any purposes, or use any machine, electronic, web based or similar device to read or extract the Content by machine based or automated means, without our prior written permission.

Intellectual property rights

Our Rights – all intellectual property rights (including, without limitation, copyright, database rights, design rights, patents and trademarks) in the Content are owned by or licensed to us unless otherwise stated.

HSBC – HSBC and the HSBC logo are trademarks of HSBC Holdings plc and all rights and benefits in them vest in HSBC Holdings plc.

• Copying by you and your access to the Site – you may print, copy, download or temporarily store extracts from this Site for your personal use or to help you use our products and services. You must not alter any extract contained on or obtained from this Site in any form. Any other use is prohibited unless you first get our written permission. Without limiting the above, unless you first get our written consent, you may not reproduce, modify, adapt, transmit, publish, broadcast, create derivative works of, store, archive or in any way exploit any of the Content. Without limitation, neither you nor any other party may do any of the following without prior written consent from us:
• create any data base in electronic or structured manual form by systematically downloading and storing all or any of the Content; or
• redistribute any of the Content (including by using it as part of any syndication, content aggregation, archive or similar service); or
• remove the copyright or trademark notice from any copies of Content made in accordance with these Terms.

Our monitoring of communications

To help us improve our service and in the interest of security, we may monitor and/or record communications (whether over the Internet, telephone or otherwise) between you and us. All recordings are our sole property.

Children

This Site is not intended to be used by minors.

Governing law

These Terms are governed by and are to be interpreted in accordance with the laws of England and Wales.

The courts in England and Wales will have non-exclusive jurisdiction in respect of any dispute which may arise in connection with the Terms or your use of this Site.

Your queries:

Should you wish to contact us or any member of the HSBC Group please refer to the Contact Us menu which can be found on each page of this Site.

In Jersey, HSBC Private Bank (C.I.) Limited, Jersey Branch is regulated by the Jersey Financial Services Commission to conduct Banking and Investment Business. In Guernsey, HSBC Private Bank (C.I.) Limited is regulated by the Guernsey Financial Services Commission to conduct Banking and Investment Business.

In Singapore, the document is distributed by the Singapore Branch of HSBC Private Bank (Suisse) SA. In Hong Kong, this document has been distributed by the Hong Kong Branch of HSBC Private Bank (Suisse) SA, in the conduct of its Hong Kong regulated business.

For clients receiving this from the U.S: This document was prepared by HSBC Private Bank (UK) Limited for use by members of the HSBC Global Private Banking business. In the United States, HSBC Private Bank offers banking services through HSBC Bank USA, N.A. – Member FDIC and HSBC Private Bank International, and provides securities and brokerage services through HSBC Securities (USA) Inc., member NYSE/FINRA/SIPC, a registered Futures Commission Merchant, a wholly owned subsidiary of HSBC Markets (USA) Inc. and an indirectly wholly owned subsidiary of HSBC Holdings plc. For further information please refer to the Custody Election Form or contact your Relationship Manager.

Securities products are: Not a deposit or other obligation of the bank or any affiliates; Not FDIC insured or insured by any federal government agency of the United States; Not guaranteed by the bank or any of its affiliates; and are subject to investment risk, including possible loss of principal invested.

In Argentina, HSBC Private Bank (Suisse) S.A."s and HSBC Bank USA, N.A. Representative Office is authorised by the Superintendent of Financial Entities and Exchange – BCRA

A complete list of private banking entities is available on our website, www.hsbcprivatebank.com

We know that you are concerned with how your personal and financial information is dealt with. This privacy statement sets out our current policies and demonstrates our commitment to your financial privacy. We may change the content or services found on our Site at any time without notice, and consequently our privacy policy may change at any time in the future.

Privacy and personal data

This site does not collect any personal information about you for any purposes

Cookies

This Site, along with most other major websites, use cookies. Cookies are pieces of information that a website transfers to the cookie file on your computer"s hard disk. Cookies enable users to navigate around the website and (where appropriate) enable us to tailor the content to fit the needs of visitors who have accessed the site.

The site uses two types of cookie on this website:

• Session cookies, which are temporary cookies that remain in the cookie file of your computer until you close your browser (at which point they are deleted).
• Persistent or stored cookies that remain permanently on the cookie file of your computer.

Cookies cannot look into your computer and obtain information about you or your family or read any material kept on your hard drive and, unless you have logged onto an authenticated page, cookies cannot be used to identify who you are.

Cookies cannot be used by anyone else who has access to the computer to find out anything about you, other than the fact that someone using the computer has visited a certain website. Cookies do not in any way compromise the security of your computer.

Cookies will not be used to contact you for marketing purposes other than by means of advertisements offered within this website.

Cookies may be used to record details of pages relating to particular products and services that you have visited on this website. This is to provide hsbc.com, inc. with generic usage statistics to allow the company to improve this website and to provide you with information that may interest you.

In order to develop this website in line with customer needs hsbc.com, inc. is working with WebTrends to track usage on this website. WebTrends provide hsbc.com, inc. with statistics to show which pages on this website are visited most frequently and how long visitors spend on this website.

WebTrends uses a cookie to track the number of unique users of this website. It basically tells hsbc.com, inc. whether the website has a small number of regular visitors or a large number of infrequent visitors. None of the information can be traced to an individual - hsbc.com, inc. do not know who you are as a unique user, merely that there are a certain number of people using this website. The cookie only relates to what goes on in this website and the information cannot be used for marketing on an individual basis.

For more information about how WebTrends collects data, please read their privacy policy at https://ondemand.webtrends.com/privacypolicy.asp#PSFV.

The web browsers of most computers are initially set up to accept cookies. If you prefer, you can set your web browser to disable cookies or to inform you when a website is attempting to add a cookie. You can also delete cookies that have previously been added to your computer"s cookie file.

You can set your browser to disable persistent cookies and/or session cookies but if you disable session cookies, although you will be able to view this website"s unsecured pages, you may not be able to log onto any authenticated pages.

Please visit http://www.allaboutcookies.org/manage-cookies/ to discover how to disable and delete cookies.

Web beacons and spotlight tags

This website may contain electronic images, known as web beacons or spotlight tags. These enable hsbc.com, inc. to count users who have visited certain pages on the website. Web beacons and spotlight tags are simply tools used to obtain generic information about the web pages visited. They are not used to obtain information about specific users.

© HSBC Private Bank (UK) Limited