The following sets out the terms of use of the Site.

The Site provides information to customers of the HSBC Group about third parties who may be prepared to make offers and discounts available to certain customers of the HSBC Group and provides a portal or gateway to the financial services offered by members of the HSBC Group.

The Site is operated by us, a wholly owned subsidiary of HSBC Holdings plc, the holding company of the HSBC Group.

We are a founding member of the HSBC Group. Our head office is situated at HSBC Main Building,1 Queen's Road, Central, Hong Kong.

We are an authorized institution in Hong Kong regulated by the Hong Kong Monetary Authority.

The Site is currently intended for those who access it from within the following countries: Argentina, Australia, Bahrain, Bermuda, Brazil, Brunei Darussalam, Canada, Cayman Islands, Chile, China, Colombia, Egypt, France, Greece, Hong Kong SAR, India, Indonesia, Jersey, Jordan, Lebanon, Macau SAR, Malaysia, Malta, Mauritius, Mexico, Oman, Pakistan, Panama, Paraguay, Philippines, Qatar, Saudi Arabia, Singapore, Sri Lanka, Taiwan, Thailand, Turkey, Vietnam, Saudi Arabia, United Arab Emirates, United Kingdom, United States. Because of this we cannot guarantee that the Site or the information thereon complies with or is appropriate for use in other places.

The provision of financial services or products

The Site does not offer financial services or products and the Site, or gateway, does not constitute an offer of any financial products or services provided by HSBC Group members.

Not all the products and services that you may be able to view via the Site (including via links) are available in all geographical locations. We and/or the relevant HSBC Group member reserve 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.

You agree that all products and/or services that you may be able to view via the Site shall only be available in the jurisdiction/s within which the parties making available the product and/or service is authorised to operate.

We host the Site and provide technical support, access and links to the Local Sites (as defined below) of HSBC Group members. Financial services and products may be obtained from Local Sites (as defined below).

The information contained on the Site is for information purposes only. We (nor any other HSBC Group member) do not hold ourselves out as providing legal, financial or other advice via the Site.

Local Sites

You may link to other HSBC websites or pages issued by other entities within the HSBC Group ("Local Sites") through the Site. Your use of any Local Site shall be governed by both these Terms and Conditions and the terms and conditions of the Local Site. However, where these Terms and Conditions conflict with those of the Local Site, the terms and conditions of the Local Site shall prevail.

All products and services provided by members of the HSBC Group in Local Sites are subject to the terms and conditions and disclaimers of the applicable agreement governing their supply and use ("Product terms and conditions"). Where Product terms and conditions conflict with these Terms and Conditions or any Local Site's terms and conditions the Product terms and conditions shall prevail.

The products and services offered on Local Sites may be limited to persons located or residing in only that particular jurisdiction. In addition, the content on these linked websites may not be intended for persons located or residing in jurisdictions that restrict the distribution of such content.

Please read carefully any Local Site and/or Product terms and conditions before using the Local Site or product as these may differ.

Changes

The information, material and content provided in the pages of the Site or any Local Site may be changed at any time without notice. Changes may be made to any of the Terms and Conditions by us. You should therefore review the Terms and Conditions periodically for changes.

Data Protection and Privacy Policies

We are committed to protecting your privacy. Your information will be collected and maintained by an HSBC Group member in accordance with the relevant data privacy laws of the country in which such HSBC Group member is located. All information gathered from you in connection with your use of the Site or any Local Site will be maintained in accordance with the applicable privacy policies disclosed in the Site or in the respective Local Site.

Please read carefully the Privacy and Security policy for the Site and the applicable privacy policy for any Local Site or third party site before using them as these may differ.

The following sets out the privacy policy of the The Hongkong and Shanghai Banking Corporation Limited (referred to as "we", "us", and "the Bank") which is applicable to your use of the Site and the HSBC Premier Privileges Programme and to the information you provide to us and other third parties via the same. In addition, any of your information that is shared with your local HSBC Group entity will be governed by the privacy policy adopted by your local HSBC Group entity. Please consult the respective privacy policy in your jurisdiction.

HSBC's Privacy Principles

Our business has been built on trust between our customers and ourselves. To preserve the confidentiality of all information you provide to us, we maintain the following privacy principles:

1. We only collect personal information that we believe to be relevant and required to understand your financial needs and to conduct our business.
2. We use your personal information to provide you with better customer services and products.
3. We may pass your personal information to other HSBC Group members or agents, as permitted by law.
4. We will not disclose your personal information to any external organisation unless we have your consent or are required by law or have previously informed you.
5. We may be required from time to time to disclose your personal information to governmental or judicial bodies or agencies or our regulators, but we will only do so under proper authority.
6. We aim to keep your personal information on our records accurate and up-to-date.
7. We maintain strict security systems designed to prevent unauthorised access to your personal information by anyone, including our staff.
8. All HSBC Group members, all our staff and all third parties with permitted access to your information are specifically required to observe our confidentiality obligations.

By maintaining our commitment to these principles, we will ensure that we respect the inherent trust that you place in us.

Your Privacy Matters to Us

This section provides specific details of how we treat any personal information you might wish to provide us when you visit the Site.

Data Security

• Security is our top priority. We will strive at all times to ensure that your personal data will be protected against unauthorised or accidental access, processing or erasure. We maintain this commitment to data security by implementing appropriate physical, electronic and managerial measures to safeguard and secure your personal data.
• The secure area of our Site supports the use of 128-bit Secure Socket Layer (SSL) encryption technology - an industry standard for encryption over the Internet to protect data. When you provide sensitive information such as credit card details, it will be automatically converted into codes before being securely dispatched over the Internet.
• Our web servers are protected behind "firewalls" and our systems are monitored to prevent any unauthorised access. We will not send personal information to you by ordinary email. As the security of ordinary email cannot be guaranteed, you should only send email to us using the secure email facility on our website.
• All practical steps will be taken to ensure that personal data will not be kept longer than necessary and that we will comply with all statutory and regulatory requirements in the Hong Kong Special Administrative Region concerning the retention of personally identifiable information.

Security Assurance

• Both you and we play an important role in protecting against online fraud. You should be careful that your account details including your Username and/or Password are not compromised by ensuring that you do not knowingly or accidentally share, provide or facilitate unauthorised use of it. Do not share your Username and/or Password or allow access or use of it by others. We endeavor to put in place high standards of security to protect your interests.
• You should safeguard your unique Username and Password by keeping it secret and confidential. Never write them down or share these details with anyone. We will never ask you for any HSBC Internet Password, including your Internet Banking Password, in order to ensure that you are the only person who knows this information. When choosing your unique Username and Password for the first time, do not create it using easily identifiable information such as your birthday, telephone number or a recognisable part of your name. If you think your Username and/or password has been disclosed to a third party, is lost or stolen and unauthorised transactions may have been conducted, you are responsible to inform us immediately.

Collection of Personal Information

• Use of Cookies, Spotlight Tags and Web Beacons etc
  
  Your visit to this Site may be recorded for analysis on the number of visitors to the site and general usage patterns. Some of this information will be gathered through the use of "cookies". Cookies are small bits of information that are automatically stored on a person's web browser in their computer that can be retrieved by the Site. Cookies can make the site more useful by storing information about your preferences on particular sites, thus enabling website owners to provide more useful features for their users. The information collected by "cookies" is anonymous aggregated research data, and contain no name or address information or any information that will enable anyone to contact you via telephone, e-mail or any other means. Most browsers are initially set to accept cookies. If you would prefer, you can set your browser to disable cookies or inform you when they are set. However, by disabling them, you may not be able to take full advantage of HSBC Group member websites, including HSBC Internet Banking.
  
  We may also work with third parties (such as Doubleclick, Yahoo!, Nielsen//NetRatings and WebTrends) to research certain usage and activities on parts of our Site on our behalf. Doubleclick, Yahoo!, Nielsen//NetRatings and WebTrends use technologies such as spotlight monitoring, web beacons and "cookies" etc to conduct this research. The information collected through technologies such as cookies, spotlight tags and web beacons etc are used to find out more about our users, including user demographics and behaviour and usage patterns, for more accurate reporting and to improve the effectiveness of our marketing. Information recorded through the use of these devices are aggregated and then shared with us. No personally identifiable information about you is collected or shared by Doubleclick, Yahoo!, Nielsen//NetRatings and WebTrends with us as a result of this research. Should you wish to disable the cookies associated with these technologies such as spotlight tags and/or web beacons etc, you may do so by changing the setting on your browser. However, you may not be able to enter certain part(s) of HSBC Group member websites, including HSBC Internet Banking.
  
  To find out more about the use of cookies and the information-gathering practices and opt-out procedures of Doubleclick, Yahoo!, Nielsen//NetRatings and WebTrends, please visit Doubleclick's website at www.doubleclick.net and/or Yahoo!'s website at http://privacy.yahoo.com/privacy/us/pixels/details.html and/or Nielsen//NetRatings website at http://www.netratings.com/privacy.jsp?section=leg_scs and /or WebTrends' website at http://ondemand.webtrends.com/privacypolicy.asp#PSFV
  
  When you visit or use our Site, we may automatically collect and store information about your computer or mobile device and your activities. This information may be used for fraud monitoring and to facilitate the provision of our services to you, including the provision of services in the 'Offers Near Me' section. This information may include, but is not limited to:
  - Your mobile device's unique ID number (the unique identifier assigned to a device by the manufacturer);
  - Your mobile device's geographic location (specific geographic location if you've enabled collection of that information).
  
  The map function in the 'Offers Near Me' section is provided by Google Maps. Use of the map functions and information provided by Google Maps is subject to Google Terms of Use and Privacy Policy. HSBC makes no representation and accepts no responsibility as to the accuracy or completeness information provided by Google or the content of their policies. HSBC does not use information to track users' locations for any purpose other than those stated above, however HSBC cannot guarantee that Google, your phone manufacturer, or other parties who may have access to information made available through your use of Google Maps, do not use this information for other purposes.
  
  By using this Site and agreeing to these Terms you acknowledge that you have reviewed the Google Terms of Use and Privacy Policy as well as these Terms and agree to such information including mobile device and location data being so used and that it may be transmitted to others in accordance with such terms
  
• Marketing Promotions
  
  Occasionally we may collect personal information from visitors to this site and those individuals that participate in a contest or promotion (online or over the telephone, or at one of our branches). Such information is only collected from individuals who voluntarily provide us with their personal information. We may use this information to advise them of products, services and other marketing materials, which we think, may be of interest to them. We may also invite visitors to this site to participate in market research and surveys and other similar activities.
  
  You can choose to receive marketing and other promotional materials by email. If you do not wish to receive email or promotional direct mailings, you will always have an opportunity to opt-out.
  
  If at any time you would like us to cease using your personal information for marketing purposes, please contact the Customer Service Hotline for the local HSBC entity in your country. This information is located in the "Contact Us" of HSBC website. HSBC will then, at no cost to you, act on your request within 30 days (or such shorter period as may be required under applicable privacy laws) and ensure that you are not included in future marketing promotions.
  
  If we do ask you to provide personal information, we will always specify the purpose for which such personal information is collected and ensure that it is only used for the purpose specified at the time of collection.

Notice to Customers Relating to the Personal Data (Privacy) Ordinance

This Statement is made by us in accordance with the Personal Data (Privacy) Ordinance of the Hong Kong Special Administrative Region ('the Ordinance') and applies to customers of the Bank. For customers of other HSBC Group entities, please refer to the local privacy policy in your jurisdiction.

The Statement is intended to notify you why personal data is collected, how it will be used and to whom data access requests are to be addressed.

1. Why we collect your data
   From time to time, we collect your personal information to carry out and administer our services to you and in an effort to improve your customer experience.

2. Without such data we may be unable to open or continue accounts or establish or continue banking facilities or provide banking services.

3. Data is also collected from customers in the ordinary course of business to continue the banking relationship, for example, when customers write cheques, deposit money or apply for credit. This includes information obtained from Credit Reference Agencies.

4. How your data may be used
   Data relating to a customer may be used to:
1. facilitate the daily operation of the services and credit facilities provided to customers;
2. conduct credit checks (including without limitation upon an application for consumer credit and upon periodic review of the credit);
3. create and maintain our credit and risk related models;
4. assist other financial institutions to conduct credit checks and collect debts;
5. ensure ongoing credit worthiness of customers;
6. design financial services or related products for customers' use;
7. market services or products of ours and/or selected companies;
8. determine the amount of indebtedness owed to or by customers;
9. collect amounts outstanding from customers and those providing security for customers' obligations;
10. meet the disclosure requirements of any law binding on us or any of our branches;
11. enable an actual or proposed assignee of ours, or participant or sub-participant of our rights in respect of the customer to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation; and
12. to fulfill any other purposes relating thereto.

5. Disclosure of your personal information
   Information held by us relating to a customer will be kept confidential but we may provide such information to the following parties (whether within or outside the Hong Kong Special Administrative Region) for the purposes set out in paragraph (d):
1. any agent, contractor or third party service provider who provides administrative, telecommunications, computer, payment or securities clearing or other services to us in connection with the operation of our business;
2. any other person under a duty of confidentiality to us including a group company of ours which has undertaken to keep such information confidential;
3. the drawee bank providing a copy of a paid cheque (which may contain information about the payee) to the drawer;
4. a person making any payment into the customer's account (by providing a copy of a deposit confirmation slip which may contain the name of the customer);
5. credit reference agencies, and, in the event of default, to debt collection agencies;
6. any person to whom we are under an obligation to make disclosure under the requirements of any law binding on us or any of our branches or under and for the purposes of any guidelines issued by regulatory or other authorities with which we or any of our branches are expected to comply;
7. any actual or proposed assignee of ours or participant or sub-participant or transferee of our rights in respect of the customer; and
8. selected companies for the purpose of informing customers of services which we believe will be of interest to customers.

In connection with (v) above, in the event of any default in payment where the amount in default is not fully repaid before the expiry of 60 days as measured by us from the date such default occurred, the customer is liable to have his account data retained by the credit reference agency at least until the expiry of 5 years from the date of final settlement of the amount in default before the right referred to in (f)(v) below may be exercised.

6. Data access requests
   Under the terms of the Ordinance and the Code of Practice on Consumer Credit Data approved and issued under the Ordinance, any individual has the right:
1. to check whether we hold data about them and of access to such data;
2. to require us to correct any data relating to them which is inaccurate;
3. to ascertain our policies and practices in relation to data and to be informed of the kind of personal data held by us;
4. in relation to consumer credit, to request to be informed which items of data are routinely disclosed to credit reference agencies or debt collection agencies, and be provided with further information to enable the making of an access and correction request to the relevant credit reference agency or debt collection agency; and
5. (except where the consumer credit applied for involves a residential mortgage loan) upon satisfactory termination of the credit by full repayment and on condition that there has been, within 5 years immediately before such termination, no material default under the credit as determined by us, to instruct us to make a request to the relevant credit reference agency to delete from its database any account data relating to the terminated credit.

7. In accordance with the terms of the Ordinance, we have the right to charge a reasonable fee for the processing of any data access request.

8. Nothing in this Statement shall limit the rights of customers under the Ordinance.

Contact Us

Requests by customers of the Bank for access to data or correction of data or for information regarding policies and practices and kinds of data held should be addressed to:
The Data Protection Officer
The Hongkong and Shanghai Banking Corporation Limited
PO Box 72677

Note: In case of discrepancies between the English and other language versions, the English version shall apply and prevail.

IMPORTANT: By accessing the Site and any of its pages you are agreeing to the terms set out above. Thank you for choosing HSBC.

Operation of the Programme

The HSBC Premier Privileges Programme ('the Programme') introduces customers to third parties who may be prepared to make offers and discounts available to certain customers of HSBC.

All offers detailed on this Site are provided by third parties and subject to their terms and conditions.. If you have any queries regarding any of the offers, please contact the third party who is providing the offer.

The third party offers are promoted on the Site, which is operated by us. Country-specific terms may apply to the offers from time to time available in different countries.

Eligibility to Participate in the Programme

Please see the specific eligibility criteria of each third party offer.

Generally, the third parties will make any offers available to holders of an Eligible Card.

An 'Eligible Card' means a credit card bearing the 'HSBC Premier' name and logo, any credit card issued by an HSBC Group member or any other credit card notified in writing by us to you as being an Eligible Card from time to time but excluding certain co-branded credit cards as specified by us or other HSBC Group member(s) from time to time (which may be different from territory to territory) (unless expressly stated otherwise in respect of any benefit, any Programme Participant or any jurisdiction on this Site or otherwise). Third parties may only make certain offers available to holders of particular cards. Please refer to the specific eligibility criteria of each third party offer for further details.

HSBC may terminate your use of the Programme immediately without notice and for any reason (unless otherwise required by relevant regulatory bodies/agencies/court order in which event we will comply with relevant legal, regulatory or judicial requirement), including if you:
a. do not comply with the Terms and Conditions;
b. do not comply with the terms and conditions of an Eligible Card;
c. cease to be the holder of an Eligible Card (i.e. your account is cancelled); or
d. abuse any privilege offered to you under the Programme.

Benefits Under the Programme

The offers and discounts are listed on the Site and may also be listed in general advertising material from time to time.

The offers promoted on the Site may be changed or withdrawn at any time without prior notice notice either by HSBC or by third party offer provider.

All offers and discounts are subject to availability and other terms and conditions imposed by the third party providers of the offers.

Unless otherwise stated, no offer or discount may be used in conjunction with any other offers, discounts, promotional offers or programmes, discounted items, shopping and dining coupons, membership benefits, fixed-price items, privilege card(s), loyalty programmes, or in-house offers. The offers, and any rights they confer, cannot be sold, transferred, assigned, exchanged for cash, other products or discounts or otherwise dealt with except in accordance with the Terms and Conditions.

To claim an offer you must follow any specific instructions of the third party as detailed on the Site or as subsequently notified to you by the third party. In general, in order to claim an offer, you should:

1. state the redemption of the offer during any advance booking; and
2. settle payment with your Eligible Card or quote details of, show or use your Eligible Card at the time of transaction; If an offer is only available to HSBC Premier credit cardholders, such cardholders must settle payment with their HSBC Premier MasterCard? credit card.

Limitations and conditions may apply in relation to offers and availability of such offers during public holidays, festivities or other dates as specified by the respective third party providers. Please check with respective third party providers for details.

The offer periods and terms and conditions of each third party's offer are subject to change without prior notice. Neither we nor any other HSBC Group member accepts any liability for any such change and nor will they notify cardholders separately of any such change.

In the case of any dispute, our decision and that of the respective third party providers shall be final.

Liability

We have taken and will take all reasonable care to ensure that information we published on the Site is accurate, but neither we nor any other HSBC Group member accepts any liability relating to information provided by third parties. Neither we nor any other HSBC Group member makes any representations on behalf of any third party provider.

All descriptions of offers published on the Site are based on information supplied by third party offer providers. All information is accurate at the time of publication but may be subject to change subsequently. . Other special terms and conditions relating to the offers may also apply. For details, please refer to the individual offer and promotion.

Neither we nor any other HSBC Group member shall be responsible for:

1. any benefit you receive under the Programme;
2. to the extent permitted by law, any death or injury or consequential loss or damage from a benefit; or
3. representations made by a third party provider in respect of any offer
4. any loss, theft or destruction of a benefit or a voucher.

Neither we nor any other HSBC Group member shall be liable for:

1. any unauthorised use of the Programme;
2. any failure by you to notify a third party provider that a transaction is eligible for a benefit under the Programme;
3. any offer or discount not being available from a third party provider for any reason;
4. any failure by a third party provider to meet the terms and conditions on which it has agreed to provide an offer or discount;
5. any failure to notify you of any change in the Terms and Conditions, the terms and conditions of a third party provider, the offers, discounts, the third party providers or qualifying goods and services;
6. the suspension and/or termination of the Programme; or
7. any malfunction, delay in replacing, or unauthorised use of Eligible Cards. The provisions of this sub paragraph (g) shall not apply if the Eligible Card was issued in any of the United Kingdom, the countries of the European Union or countries in the European Economic Area.

The third party providers of the offers and discounts do not have any authority, express or implied, to make any representations, warranties or statements on behalf of any HSBC Group member. All contractual obligations are between you and the third party provider.

Any tax which is payable arising from your participation in the Programme is your responsibility, including any goods and services tax.

Note: In case of discrepancies between the English and other language versions, the English version shall apply and prevail.

IMPORTANT: By accessing the Site and any of its pages you are agreeing to the terms set out above. Thank you for choosing HSBC.