This policy statement applies to HSBC Bank Middle East Limited is incorporated in Jersey, Channel Islands and is regulated by the Jersey Financial Services Commission to carry on deposit-taking business under the Banking Business (Jersey) Law 1991 and to carry on investment business under the Financial Services (Jersey) Law 1998.
Please read the following important notes before accessing this web site. By accessing this web site you agree to be bound by these terms and conditions. If you do not agree to be bound by these terms and conditions please do not access this site.
The pages in this site provide general information about the products and services of the companies in them. The contents of this site are for information only. They should not be regarded as complete or up-to-date.
Certain services referred to in this website are intended for residents of Kuwait and are not available to overseas residents, as they may not comply with foreign laws.
This information is not intended to provide professional advice and should not be relied upon in that regard. Persons accessing these pages are advised to obtain appropriate professional advice where necessary.
About these Terms
Please read the terms and conditions of use set out below carefully before using this Web Site (the "Site"). The use of this Site and any transactions conducted on it are governed by these terms and conditions ("Terms") and the Privacy and Security Statement.
If you have any questions regarding these Terms, please e-mail us or call us on + 965 222 30 722 for more information.
References to "you", "your" and "yours" are references to the person(s) accessing the Site.
References to "we", "us" and "our" are references to HSBC Bank Middle East Limited ("HBME").
Acknowledgement and Acceptance of Terms
This Site is owned and operated by HBME. All our products and services are subject to the terms and conditions and disclaimers of the applicable agreement governing their use. These Terms are to be read by you together with such other terms, conditions and disclaimers. In the event of any conflict, the terms, conditions and disclaimers applicable to specific products or services shall prevail over these Terms.
By using this Site, whether browsing or opening an application, you acknowledge that you have read and understood the Terms and agree to be bound by them.
The information and other material provided in the pages of the Site (including the Terms) may be changed at any time without notice by updating this posting. You agree to review the Site regularly and your continued access to, or use of, the Site following any changes will mean that you agree to any changes (including any amended Terms).
No Offer or Advice
The material on this Site contains general information about HBME products and services. Unless expressly stated otherwise this information does not constitute an offer or inducement to enter into a legally binding contract and does not form part of the terms and conditions for such products and services. All applications for credit are subject to HBME's normal credit approval criteria.
The information is not intended to be taken as financial advice and does not take into account any investor's individual requirements and circumstances.
HBME does not offer financial services or products and HBME's operation of the hsbc.com portal, or gateway, does not constitute an offer of any products or services provided by HSBC Group members.
Disclaimer and Limitation of Liability
The following clauses exclude or limit our legal liability for the Site. You should read them carefully. They all apply only so far as the law permits.
Whilst we have taken reasonable steps to ensure the accuracy, currency, availability and completeness of the information contained on the Site, information is provided in good faith on an "as is", "as available" basis and we do not make any representation or warranty of any kind, whether express or implied, as to the reliability of the information contained on this Site.
The information is believed to be accurate and current at the date the information was placed on this Site. We do not accept any responsibility arising in any way (including negligence) for errors in, or omissions from, the information contained in this Site. The use of the Site is at your sole risk. We shall not be liable for any losses or damages or expenses (including legal costs) whatsoever arising out of or referable to materials on the Site or accessed through the Site, even if we have been advised of the possibility of such damage.
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 to undertake 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.
You may have rights and remedies available to you in relation to the provision of services by HBME which cannot be excluded, restricted or modified ("non-excludable rights"). HBME does not exclude any of these non-excludable rights, but does exclude any other conditions and warranties implied by custom, law or regulation.
HBME's liability for breach of any non-excludable rights is limited, at the option of HBME, to the supply of the services again, or the payment of the cost of having the services supplied again.
Unless otherwise stated or agreed with you, the information on this Site has been prepared in accordance with Kuwait law for residents of the Kuwait and for the supply of products or services in Kuwait To the extent that it does not satisfy the laws of the country in which you reside or from which you are accessing this Site, it is not directed to you.
Not all the products and services that you may be able to view via the Site are available in all geographical locations. The relevant HSBC group member reserves the right to make the final determination on whether or not you are eligible for any particular product or service. 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.
All products or services provided to you by any HSBC Group member shall only be available in the jurisdiction/s within which the member providing the product or service is authorised to operate.
You agree that any of the products or services provided to you by any HSBC Group member shall be deemed to be provided in the jurisdiction within which the member providing the product or service is authorised to operate.
Third Party Sites
Where we provide hypertext links to other locations on the Internet, we do so for convenience and information purposes only. We have not verified, and are not responsible for, the content of any other web sites or pages linked to or linking to this Site including any sites or pages of any other member of the HSBC Group of Companies. The inclusion of any link does not imply an endorsement, approval or recommendation of the linked web site or its content by HBME and, subject to any applicable law which cannot be excluded, HBME makes no representation or warranty, expressly implied, regarding the quality, merchantability or fitness for purpose of any products or services available through a third party web site. Following links to any other web sites or pages is entirely at your own risk and we shall not be responsible or liable for any losses, damages or expenses or in other way in connection with linking.
Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.
Trademarks and Copyright
Unless otherwise indicated, copyright in all information and other materials on this Site (including information and its arrangement) is owned by or licensed to HBME. All rights are reserved. This Site or any portion of the Site may not be reproduced, adapted, distributed, displayed, transmitted or otherwise exploited for any commercial purpose that is not expressly permitted by HBME. You may imprint, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter anything. In particular you may not use a part of our Site on any other web site, or link any other web site to our Site, without our prior written permission.
Nothing contained on this Site should be construed as granting any licence or right of use of any trademark displayed on the Site without the express written consent of HBME.
Data Protection and Security
We may as a result of your interaction with the Site hold and process personal information obtained about you when you access the Site. We may use this information for making lending decisions and servicing our relationship with you, for the purposes of fraud prevention, audit and debt collection, to identify products and services which may be relevant to you from both within the HSBC Group of Companies and selected third parties, to evaluate the effectiveness of our marketing of the Site and for statistical analysis. We may pass this information to other members of the HSBC Group of Companies so that they may do the same and they may pass information held by them about you to us so that we may do the same. We will not disclose any such information outside of the HSBC Group of Companies except where we are authorised by you or by the law to do so, for fraud prevention purposes, if obliged by law or a regulator, or by confidential agreement to sub contractors or people acting as our agents in the performance of the services we provide.
We may also in connection with the above and the provision of the Site transfer your data to countries which may not provide the same level of legal protection for personal data as within Kuwait. However, all personal data wherever it is held in the HSBC Group or by its sub-contractors or agents will be afforded a high level of protection against any authorised or accidental disclosure, access or deletion.
By agreeing to these Terms you agree to such data being so used and that it may be transmitted to others as stated above.
All figures displayed on this Site relating to fees, charges, interest and any other amounts are in KWD (unless otherwise stated) and are current at the time of issue, but may change at any time.
These terms and your access to the Site may be terminated at any time by HBME without notice. All restrictions, disclaimers and limitations of liability by HBME will survive termination.
These Terms are governed by and are to be construed in accordance with the laws of Kuwait. You agree to the non-exclusive jurisdiction of the courts of Kuwait and any courts which may hear appeals from those courts in respect of any proceedings in connection with these Terms or this Site. If any provision of these Terms is found to be invalid or unenforceable by a Court of Law, such invalidity or unenforceability will not affect the remainder of the Terms which will continue in full force and effect.
We reserve any rights not expressly granted in these Terms.
By moving to any other part of this Site you agree that you have read, considered and understood these Terms and will be bound by them. You agree to regularly check the contents of these Terms for amendments, and will carefully read the terms, conditions and disclaimers provided at other parts of this Site.By moving to any other part of this Site you agree that you have read, considered and understood these Terms and will be bound by them. You agree to regularly check the contents of these Terms for amendments, and will carefully read the terms, conditions and disclaimers provided at other parts of this Site.