Terms of Use

1. Acceptance of Terms

By accessing or using the website at hsbcgroup.com, or our e-banking platform (together, the "Services"), you agree to be bound by these Terms of Use. If you do not agree, please discontinue use immediately. These Terms constitute a legally binding agreement between you and HSBC Group of Banks Ltd.

2. Eligibility

Our Services are available only to individuals who are 18 years of age or older and who have a valid, active banking relationship with HSBC Group of Banks Ltd. Access to the e-banking portal is restricted to clients with verified credentials issued by the bank. Unauthorised access attempts will be logged and reported to relevant authorities.

3. E-Banking Services

Our e-banking platform allows authorised clients to view account balances, execute transfers, review transaction history, and communicate with their relationship manager. You are responsible for:

• Maintaining the confidentiality of your login credentials.
• Ensuring all devices used to access our platform are secure and free from malware.
• Immediately notifying us if you suspect unauthorised access to your account.
• Ensuring that all instructions submitted via the platform are accurate and authorised.

We reserve the right to suspend access to the e-banking platform without notice in the event of suspected fraud, security compromise, or regulatory requirement.

4. Acceptable Use

You agree not to use our Services to: (a) engage in any activity that violates applicable law; (b) attempt to circumvent security measures or gain unauthorised access; (c) introduce malicious code, viruses, or destructive software; (d) engage in money laundering, terrorist financing or sanctions evasion; (e) impersonate any person or entity; or (f) use automated tools to scrape, harvest, or extract data from our platform.

5. Intellectual Property

All content on this website and platform, including text, design, graphics, logos, and software, is the exclusive property of HSBC Group of Banks Ltd. and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

6. Disclaimers

Information on this website is provided for general informational purposes only and does not constitute financial, legal, or investment advice. Past performance of any investment strategy described on this site is not indicative of future results. We make no warranties, express or implied, as to the accuracy, completeness, or suitability of any information provided.

7. Limitation of Liability

To the fullest extent permitted by law, HSBC Group of Banks Ltd. shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, our Services. Our total liability in connection with any claim shall not exceed the fees paid by you in the three months preceding the claim.

8. Governing Law & Jurisdiction

These Terms are governed by the laws of the Cayman Islands. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of the Cayman Islands, unless otherwise agreed in your client banking agreement.

9. Changes to These Terms

We may update these Terms at any time. Where changes are material, we will notify clients via the e-banking platform or by email at least 30 days before changes take effect. Continued use of our Services following notification constitutes acceptance of the updated Terms.

10. Contact

For questions about these Terms, contact our Legal department at legal@hsbcgroup.com or by post at HSBC Group of Banks Ltd., Harbour Drive, Grand Cayman, KY1-1106, Cayman Islands.