Legal Info

Please read the details set out below carefully before using this website (the "Site"). By accessing this Site, you agree to be bound by the following terms and conditions and disclaimers (the "Terms").
References to 'you', 'your' and 'yours' are references to the person(s) accessing the Site.
References to 'we', 'us' and 'our' are references to HFC Bank ltd.
References to the 'HSBC Group' are references to HSBC Holdings plc, its subsidiaries and associated companies

All our products and services and those of other members of the HSBC Group are subject to the terms and conditions and disclaimers of the applicable agreement governing their use. These Terms are to be read by you together with any terms, conditions and disclaimers provided in the pages of the Site. In the event of any conflict, the terms, conditions and disclaimers provided in the pages of the Site shall prevail over these Terms.
The information, material and content provided in the pages of the Site may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly and your continued access to or use of the Site will mean that you agree to any changes.

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 any advice or recommendation with respect to such securities or other financial instruments.

The Site is currently intended for those who access it from within the United Kingdom. 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 the Financial Services and Markets Act 2000 (the "Act"), or the rules of the Financial Services Authority ("FSA") for the conduct of business.
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 hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any other websites or pages linked to or linking to this Site. We have not verified the content of any such websites. Following links to any other websites or pages shall be at your own risk and we shall not be responsible or liable for any damages or in 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.
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.

Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to the Bank or any message sent by the Bank to you over the Internet.

Copyright in the pages screens, information and material in their arrangement included in this Site is owned by or licensed to HFC Bank ltd unless otherwise noted. You may imprint, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you first get our written permission. In particular no one may use a part of our Site on any other website, or link any other website to our Site, without our prior written permission.

We may as a result of your interaction with the Site hold and process personal information obtained about you when you access the Site and use it for making lending decisions and servicing our relationship with you, for the purposes of fraud prevention and debt collection, to understand your financial needs, to conduct our business and to provide you with better customer services and products from both within the HSBC Group of Companies and those of 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 or agents, as permitted by law 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 for fraud prevention purposes and/or if required/obliged by law or Governmental or judicial bodies or agencies or to our regulators under proper authority, or under a strict code of secrecy to sub-contractors or persons acting as our agents or where we have your consent or have previously informed you.
We may also in connection with the above and the provision of the Site transfer your personal data to countries outside the European Union (EU) which may not provide the same level of protection for personal data as within the EU. 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.

When we collect information from you, we will tell you what we intend to use it for. We collect information from you that will help us conduct your account, manage our business and provide you with the quality of service and products that you expect. We will only request information that is relevant. We don't collect any details to identify you unless you fill in an online application, questionnaire or e-mail. We do collect non-personal data about visitors to our website. This helps us measure how many people visit the site, and identify any improvements we can make.

We strive to keep details that are accurate and up to date. Our procedures ensure that we will correct any inaccurate or incomplete information as quickly as possible.

Our procedures and security controls limit employee access to customer information. The only employees who can see your details do so for business reasons. Everyone who works for us knows just how important it is to maintain confidentiality at all times

Our up-to-the-minute security standards and procedures prevent unauthorised access to your details.

We only reveal your details or information about your transactions to third parties if :

• It is necessary for the performance of your Agreement with us, for example to complete a transaction
• You have given your consent;
• It is otherwise required or permitted by law.

In particular, you are entitled to require us, by giving notice in writing, to stop contacting you or giving your details to others for direct marketing purposes.