Terms of use and Privacy

This document sets out the Terms and Privacy Statement ('Terms') of create.hsbc and any sub-domain (the 'Site'). This Site is operated by HSBC Bank plc, which is owned by HSBC Holdings plc. By accessing this Site, you agree to be bound by the Terms. Before using this Site, you should read the Terms carefully. Publications are references to any publications, research or other documentation uploaded or provided on the Site by us or by any third party provider from time to time.

HSBC Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. It is listed with the registration number 114216. HSBC Bank plc is a company incorporated under the laws of England and Wales with company registration number 14259 and its registered office at 8 Canada Square, London E14 5HQ. HSBC Bank plc's registered VAT Number is GB 365684514.

HSBC Bank plc is a member of the Financial Ombudsman Scheme and subscribes to the Lending Code. More detail about this is available on the Lending Standards Board website. For information about accounts and other products you can refer to the Money Advice Service section on the FCA website.

In these provisions:

'Content' means all pages, screens, information and materials (including without limitation: all policies, governance documents, articles, blogs, images, audio, video) included in or accessible through this Site (including any content available on any email or SMS services)
'you', 'your' and 'yours' means you, the individual(s) accessing this Site and the party on whose behalf such individual is doing so (e.g. the individual’s employer)
'we', 'us' and 'our' means HSBC Bank plc
'HSBC Group' means HSBC Holdings plc, its subsidiaries and associated companies from time to time

Site Terms

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 then the Product Terms will prevail.

Privacy Statement

The 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 statement and the Terms may change at any time in the future.

HSBC Bank plc provides financial products and services through its affiliated companies and branches located worldwide. Privacy and personal data protection principles vary from one country to another. When you access or link to any other website, please read the privacy and data protection statements or agreements issued by such other website to determine the policies that apply to information or data maintained by that website.

Information not recommendation

Information or opinions contained on this Site do not constitute an offer to sell or a solicitation, or offer to buy, any securities or financial instruments or investment advice or any advice or recommendation in respect of such securities or other financial instruments.

Should you seek to rely in any way whatsoever upon any content contained on this Site, you do so at your own risk.

Before you make any decision or take any action that might affect you or your personal finances or business, you should always consult a suitably qualified professional adviser(s) to obtain appropriate financial, legal, accounting, tax and other advice.

Users of the site

The Site is currently intended for you to access it from within the United Kingdom. Because of this we cannot guarantee that the Site or the information thereon complies with law or regulation, or is appropriate for use, in other jurisdictions or places.

If you are accessing this Site either as part of your duties as an employee of an organisation outside of the HSBC Group or as an individual accessing this Site, you represent that you have the requisite authority from your employer to do so. 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. It is your responsibility to keep any relevant login details including passwords protected and confidential.

Any references to products or services on this Site do not constitute an offer or recommendation of any products or services provided by any of the HSBC Group members. The information provided on this Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Site should not be considered as communicating any invitation or inducement to engage in banking or investment activity or any offer to buy or sell any securities or other instruments outside Authorised Countries which are any jurisdictions where HSBC Bank plc is licensed or authorised to perform such activities.

Your use of this Site is subject to the applicable laws and regulations of any relevant jurisdiction. HSBC Group members may decline to provide you as an individual and/or the party on whose behalf you are using the Site (as applicable) with access to the Site.

Products discussed on this Site may not have been registered or authorised by any central bank, governmental or regulatory authority in the Authorised Countries or in the country of your residence. Accordingly, you may not have the benefit of protection from the securities laws, banking laws and other relevant laws and regulations of your country of residence with respect to products or services referred to on or through this Site.

No representation is given that any securities, products, or services discussed in or accessible through this Site are suitable for you or any particular person/organisation. You acknowledge that your use of this Site and any requests for information you have made as a result of visiting this Site are not the result of an offer made by HSBC Bank plc or any of its affiliates and that the provision of any information through this Site shall not constitute or be considered investment or financial advice.

Content

The content of any Publication should only be considered current as of the date of initial publication appearing thereon, without regard to the date you may access such Publication. This includes any opinion or estimate contained in the Publication, which reflect a judgment considered valid only at the original date of publication.

The Publications may be subject to periodic revision and updates and we reserve our rights to delete or modify any content of any or all of the Publications at our sole discretion and without prior notice to you. While we will attempt to provide you with timely updates of Publications, we are under no specific obligation to do so. Any update provided to you will be made available through the Site, and it is your responsibility to access any such update as you may deem it necessary.

While we actively encourage comments and conversations, we ask that people treat one another with respect and consideration and keep their comments on topic. Swearing or abuse will not be tolerated and off-topic comments may be removed. Malicious and harmful users that repeatedly abuse our blog/comments function will be blocked from our Site.

By using this Site and providing any Content/comments on the Site, you grant HSBC an irrevocable, perpetual, worldwide, royalty free, transferable licence to use (for whatever purpose) such content posted by you. We reserve the right to repost, or repurpose for future posting, all content shared with create.hsbc However, we also reserve the right to be selective as to which pieces of content we use.

No warranties

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 FCA for the conduct of business.

While 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.

Third party sites and endorsements

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 from 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 license 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.

Trade marks and copyright

Copyright, trade marks and other applicable intellectual property and proprietary rights in the pages screens, information and material in their arrangement and/ or any Content included in this Site is owned by or licensed to HSBC Bank plc or a member of the HSBC Group, its or their licensors. The software which operates the Website (the “Software”) is proprietary to HSBC or its licensors and you are not permitted to use it except as expressly allowed under these Website Terms and Conditions. You may imprint, copy, download or temporarily store extracts from our Site as required for you to carry out you duties as instructed by HSBC. You must not alter anything. Any other use (including without limitation, the sharing of Content with any third party organisation or any individual who is not an HSBC employee) 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.

HSBC is a trademark of HSBC Group and all rights in and to HSBC vest in the HSBC Group. Other than as provided above you may not use or reproduce the HSBC trademark, logo or brand name.

Nothing contained on the Site should be considered as granting, by implication, estoppel or otherwise, any license or right to use any trade marks, logos or other names, including but not limited to, those identifying HSBC, the HSBC Group Members, their licensors, suppliers or contractors, or their respective products and services referenced on the Site, without the expressed written consent of the applicable rights holder.

Internet e-mail

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.

Social Media

HSBC operates channels, pages and accounts on some social media sites to inform, assist and engage with customers. Unless stated otherwise, these are intended for UK customers. We monitor and record comments and posts made on these channels about HSBC so that we can improve our services.

HSBC is not responsible for any information posted on those sites other than information we have posted ourselves. We do not endorse the social media sites themselves, or any information posted on them by third parties or other users.

HSBC doesn't give investment, tax or other professional advice via social media sites. You should always seek independent advice before making such decisions.

When you engage with HSBC via social media your personal data may be stored on that social media site's servers, which are outside the control of HSBC and may be in the US or elsewhere outside the EU. Any information posted to such sites may be accessed and read by the general public. It is not an appropriate forum to discuss customers' products or financial arrangements. HSBC will not ask you to share personal, account or security information via social media sites, and you should not post such information on those channels.

HSBC regularly updates and monitors our social media accounts and welcomes feedback and ideas submitted via these channels. HSBC endeavours to join the conversation whenever possible, however cannot guarantee to read or reply to all messages sent to official HSBC social media accounts.

Emerging themes and helpful suggestions are passed to the relevant people within HSBC for consideration, but no guarantee is made that any proposals will be acted upon.

Twitter

HSBC operates the following official Twitter streams in the UK

www.twitter.com/hsbc_uk_press
www.twitter.com/hsbc_uk_online
www.twitter.com/hsbc_uk_careers
www.twitter.com/hsbc_uk_help
www.twitter.com/HSBC_UK

If any of the HSBC streams above follow another user then this does not imply endorsement of any kind.

Facebook

HSBC operates the following official Facebook pages in the UK:

https://www.facebook.com/hsbcstudents
https://www.facebook.com/hsbcuk

To see the full terms of use relating to our Facebook pages please visit the official HSBC Facebook page.

Governing law

The Terms are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute, which may arise.

Your queries

If you wish to contact HSBC Bank plc, please contact admin.create@hsbc.com.

When you browse the web, you leave a digital footprint. It’s information about your device and the way you use it online.

We just want to let you know that we’ll collect this information about you. Most websites do this.

We use this information to deliver the website to you. We also use it for other things, which we think help you and us.

We’ve put this notice together to explain this.

By the way, when we say “we” this means the HSBC group of companies and our trusted partners who provide services to us.

These include our:

Technology providers
Cybersecurity companies
Social media partners
Advertising partners

For the purposes of this Privacy Notice the data controller is HSBC Holdings plc with its address at 8 Canada Square, London E14 5HQ, UK.

The data controller for this website (Create.hsbc.com) and its sub-domains and for the processing activities carried out on these websites is HSBC Holdings plc, established in the UK. As such, this notice follows the UK’s data protection requirements. We’ve set out contact details at the end of this notice if you need to reach us.

Our privacy notices

This is our website notice.

We have other notices. Some of these may apply to you as well. It depends on how you choose to interact with us

This notice (Privacy Notice) applies to personal information we collect from you when you use this site. If you’re an HSBC supplier, partner, colleague or otherwise have a relationship with us, we may also have provided you with a separate privacy notice setting out how we use your personal information, which will also apply

HSBC has a range of full privacy notices, which are relevant to a wider range of interactions and activities such as personal banking. These are our main privacy notices and contain more information to read alongside this notice. They are country/region/interaction specific and will tell you more details, such as the full company names of HSBC’s data controllers in those countries and regions, and the products and services they cover. They also tell you how HSBC uses your personal information in general for those products and services and in those countries and regions. You can read them by visiting the website for the relevant product or service, or you can contact your customer services team for a copy. You can find details of these websites on our Contact us page

Cookie notice: this notice covers how we collect information from your web browser or mobile device

Other notices: some HSBC apps or parts of our websites have their own privacy notices. For example, our mobile apps have privacy notices. There are also privacy notices that explain how HSBC will collect and use your personal information when you register an interest in/apply for a job in the different countries and regions where we operate.

HSBC Colleagues should read this notice in conjuction with the global HR Data Privacy Notice available Global - Global: HR Data Privacy Notice (service-now.com)

You can usually find our privacy notices in the footer of the webpage that you are on. If you’re using an app, it will usually be in the menu.

Personal information collected by this website

We collect information when you use our website. We also do this when you visit one of our social media sites.

When you view our website or social media sites, we can see:

What you click
What you view
How long you spend on pages
Your device and internet connection details such as: type of device you’re using, IP address and details about your internet connection, technical details such as your screen size and the software you’re using, such as your web browser
Your country or region (not exactly where you are unless we ask permission)
Your unique advertising or other identification numbers allocated to your browser or device

If you follow a link to this website, we know the last site you visited. If you follow a link from this website to another HSBC Group website, we know you have reached the new website from here.

To control our use of cookies or switch this off, please visit our Cookie notice https://create.hsbc/cookie-notice.html and select “Manage Cookies”.

You may also have reached this website by following a link from an e-mail. When you open an email from us, we may be able to tell:

That you’ve opened it
What links in the email you click on
When you fill in a form on our website, we can see what you type.

If you send us a message or complete a form, we may collect information you tell us.

Some of this data is collected by:

Our partners: these may be website hosts or social media sites or external Agencies Partnering with HSBC
Cyber-security filtering technology: this keeps our website safe from fraud and crime
Cookies and similar technology: these are set on your device by us and our trusted partners.

We don’t often know exactly who you are from this data. But sometimes we may connect this data with other information we hold about you.

For example:

If you browse our website and then access online banking, we may connect this data to you. The next time you visit, we may still link that data to you
If you browse our website while logged into social media accounts, then our partners may be able to connect this data to those accounts
It might be possible to connect your browsing data to personal data held by third parties.
We may share your data with trusted third parties (e.g. The Writer) for the purposes of support with HSBC's Brand and Marketing Activities. For example, you may be able to sign up for webinars and training, and access support from third party marketing agencies. In these cases, personal data such as name, contact details and job role may shared.

We use your data when it is in our legitimate interests.

This means we need to have a valid and lawful reason to use your data and balance this with your interests.

How we use this personal information

To deliver the website

We use your information to operate the website, monitor how well it is working and make improvements to it. Most websites do this.

To provide you with information

Respond to your questions
Provide you with information, products or services you have requested or which we feel may interest you
Provide you with alerts or updates if you sign up for them

We may need to share your information with other companies within the HSBC Group to provide you with information you have requested (for example, if you have raised a question regarding your products and services). If we do this, the relevant full privacy notice will also apply to how we use your information.

To improve our business

We use your information to:

Understand how you use our services
View trends in usage
Develop well targeted content and services
Find material and services that may be of interest to you
Make our services and content better for you
Learn how useful our content is and make it better

Security and protection

We use your information to help protect you and ourselves against fraud or crime. For example, our service providers look at all use of our website to help block malicious activity. This helps keep you and us safe.

Personalising our website

When you visit our website, we may use data we collect to make the site reflect you. This could include:

Tailoring our website content and services for you
Showing your information or updates that might be useful for you
Showing content or services that we think will be of interest to you

Who we’ll share your information with

We may share your information with others including other HSBC Group companies (for example, to provide you with information you have requested), our trusted partners (for example, to provide you with webinars, training and support from third-party agencies (e.g. The Writer), or anyone who we’re under an obligation to disclose information to or where it’s in the public interest (for example to prevent or detect fraud, abuse of our site or services).

Other important information

We have three more things to tell you.

Transfers: This website is operated by HSBC Holdings plc, which is registered in the United Kingdom. We will process your information in accordance with applicable data privacy law, including UK data privacy laws. We may transfer your information outside of the United Kingdom and the European Economic Area. If this happens your information may be transferred to a country or region whose laws do not have the same level of protection, but we will put appropriate safeguards in place
Security: we’ll use a range of measures to keep your information safe and secure, such as encryption
Storage: we keep your information in line with our data retention policy. We do this to comply with legal and regulatory requirements, and for our legitimate purposes

Your rights

We think carefully about how we use your information. We always aim to use it in a way that’s fair to you. You might prefer us not to use it for some purposes.

You have a legal right to:

Ask us to provide you with copies of your personal information, make corrections or sometimes ask us to delete it
Object to our processing of your information in some circumstances. For example, to ask us not to share your personal information for online advertising
Complain to the UK Information Commissioner’s Office by visiting ico.org.uk or to the data protection regulator in the country or region where you are
We may not always be able to stop processing your information, such as if we’re using it to help protect you or others

Our other privacy notices contain more information about these topics.

Website accessibility

HSBC is committed to ensuring that the information on this website, including this privacy notice, is accessible to the widest possible audience and by those using assistive technologies. For more information, please visit our Website accessibility page.

Social media

HSBC uses social media to:

Help connect with you
Share information about our products and services

Sometimes these involve using your data.

Social media platforms may let you choose what advertising you receive. You should contact them for more information.

Online advertising

When we advertise online, we may share your information with our advertising partners. We may ask our advertising partner to use that information to

Check if you hold an account with them
Choose which adverts to send to you
Send our adverts to you
Exclude you from adverts, e.g. if the advert is for a service you already use
Advertise to people who have a similar profile to you or share your interests
Identify what other marketing may be of interest to you
Understand how useful our marketing is and make it better

If you click an advert about our services, you may be taken to the relevant section of an international or local HSBC website, and the privacy policy for that site will apply to your visit.

Contact us

We’re always happy to hear from you.

You can contact our Data Protection Officer at:

For the attention of: the DPO
HSBC Holdings plc
Customer Service Centre
BX8 1HB

This privacy notice may be updated from time to time, and you’ll always be able to find the most recent version on this site.

Last updated: September 2024

Thank you for reading this privacy notice.

Terms of use and privacy

﻿In these provisions: