Online Banking Terms and Conditions

These Terms form the basis of the contract between you and us regarding your use and access to your account through our Personal Internet Banking and Mobile Banking Services referred to as the “Service”.

These Terms are applicable to personal accounts only.

These Terms create legally binding obligations upon you.

By registering Online to use the Service and/or downloading Mobile Banking, you confirm your agreement to be bound by the terms and conditions set out herein “Online Banking Terms and Conditions” (as may be amended from time to time subject to the Bank’s discretion).

Please read these Terms before using the Service. If you do not understand any part of it, or if you have any questions, please speak with a staff member at any of the Bank’s branches or customer service units or call the Bank’s Call Centre.

1. Definitions
2. The Service
3. Data Privacy
4. PIB Full OR PIB Lite
5. Instructions
6. Access to the service
7. Securing E-Messaging
8. E-Statements and E-Advices
9. SMS-Alert Service
10. Service Interruption
11. Secuirty of your username, password, mobile banking, biometrics,mpin and secure key device
12. What to do if your username, secure key pin, mobile banking, biometrics,mpin or password is lost or stolen or otherwise compromised
13. Records and Statements
14. Your Liability
15. The Bank's Liability
16. Complaint Procedure
17. Changes to this Agreement
18. Fees and Charges
19. Electronic Advertising
20. Security of Online Banking
21. E-mails Scams
22. Recording Telephone calls
23. Copyrights, trademarks and copying materials
24. Termination
25. Governing Law
26. Agencies
27. Transactions with other Institutions
28. Notices
29. Fore Majeure
30. Miscellaneous

Defined terms used in this Agreement are set out below:

"Account(s)" means any account(s) you have with the Bank operable through the Bank’s branches in the Country which the Bank has determined is accessible by the Service including any new accounts opened if permitted by the Bank.

"Account Holder" means the person(s) who has an Account at the Bank in his/her own name (or a joint Account in their own names in respect of which the Bank may act on the instructions of any one or more of them) and has subscribed online for the Service.

 “Agreement” means these terms and conditions set out herein, and as may be modified from time to time by the Bank as provided for herein, and as are applicable to your use of the Service.

"Bank" means HSBC Bank Middle East Limited acting through its branches in the Country, and having its correspondence address as Post Office Box 57, Doha, Qatar.

“Bank’s Call Centre” means the internet banking call centre operated by the Bank which can be reached on telephone number 4444 1550 (within Qatar) or (+974) 4441 1550 (outside Qatar).

“Bank’s General Terms and Conditions” means “HSBC Personal Banking General Terms and Conditions (Qatar)” as may be amended from time to time, and as may be applicable to the Account(s) you access using the Service including the opening of any new Account.

“Biometrics” means the service provided by the Bank that allows you to use your fingerprint(s), facial map(s) stored on your mobile telephone device or Voice Biometrics used to access the Bank’s Phone Banking Service, all of which are called biometric verification which can be used to log on to Mobile Banking or the Phone Banking Service.

“Country” means the State of Qatar.

“Digital Secure Key” means the feature that is available through HSBC Qatar Mobile App which allows an Account Holder to generate a Secure Key Code to access the Service.

“eStatements” means the electronic version of your periodical statements for any Account(s)/Credit Card which you will receive through the Service.

“eAdvice” means the electronic advices that you will receive through either your Personal Internet Banking or Mobile banking inbox which will be relevant to certain transactions.

“Face ID” means the service provided by the Bank that allows you to use your device registered facial map(s) as a biometric reader to log on to Mobile Banking.

“Financial Crime” means money laundering, terrorist financing, bribery, corruption, tax evasion, fraud, violations of or evasion of sanctions laws and regulations, other violations of law or attempts to violate laws or regulations.

“HSBC Group of Companies” means HSBC Holdings PLC, its subsidiaries and affiliates.

"Information" means any financial, market or other information and data supplied by us or any Information Provider and made available to you through the Service.

"Information Provider" means any person, other than the Bank, who supplies the Information and includes any person who supplies any information to an Information Provider.

"Institution" means (i) any member of the HSBC Group of Companies (other than the Bank); and (ii) any third party financial institution which you have notified to the Bank should be treated as an Institution for the purposes of this Agreement.

"Instruction" means any request or instruction that is received by the Bank in connection with an Account through the Service and which appears to have been issued by you.

"Internet Site(s)" means any internet site established, operated and maintained by the Bank, or on the Bank’s behalf, to facilitate the provision of the Service.

“Mobile Banking or Mobile Banking App” means those aspects of the Service which are accessible and functional through the Bank’s mobile banking application (as updated from time to time) which runs an operating system supported by us through which you can access some of the Bank’s online banking service.

“mPIN” means the PIN you create as part of the Mobile Banking App activation by which the Bank identifies you when you log on to HSBC Mobile Banking App. It would read as PIN on Mobile Banking App.

"Online" means by way of internet access to the Service through any of the Internet Site(s).

“OTP” means One Time Password sent by Bank to the mobile number registered with us.

"Password" means when you create a password using your credentials by which the Bank identifies you.

"Payment Cut-Off Time" means the payment cut off times as specified on the Internet Site under the heading “Cut off Times” or any other time as may otherwise be advised by the Bank to you from time to time.

"PBN" means your ten digit Phone Banking Number supplied to you by the Bank for accessing the Phone Banking Service.

“Phone Banking PIN” means the personal identity number issued to you, and as may be altered by you from time to time, to enable access to your account via the Phone Banking Service and to register for the Service.

"Phone Banking Service" means the Bank’s usual telephone instruction and information service made available by the Bank's Call Centre. You can reach the Phone Banking Service on the number printed at the back of your Debit or Credit Card.

“PIB Full” means the level of functionality, which may be available as part of the Service (subject to conditions determined in the Bank’s sole discretion), as further described in the frequently asked questions (FAQs) located on our website in “Find out more about Secure Key” tab under Help – Online Banking section. 

“PIB Lite” means the level of functionality, which may be available as part of the Service (subject to conditions determined in the Bank’s sole discretion), as further described in the frequently asked questions (FAQs) located on our website in “Find out more about Secure Key” tab under Help – Online Banking section.

“PIN” means the personal identification number issued to you (and as you may amend from time to time) in conjunction with any ATM/Debit Card or Credit Card issued to you by the Bank.  

"Reports" means reports compiled from the Information in any form, medium or means.

“Secure Key Code” means the code which will be generated by either the Digital Secure Key or the Secure Key Device when the mPIN or the Secure Key PIN is correctly entered, respectively.

“Secure Key Device” means the device, which will be provided to the Account Holder in order for the Account Holder to access the Service.

“Secure Key PIN” means the personal identification number which the Account Holder creates (and as the Account Holder may amend from time to time) to use the Secure Key Device.

“Security Question” and “Security Answer” means the Security Question and Security Answer set by you when registering as a user to the Service on the Personal Internet Banking.

"Service" means the Personal Internet Banking and Mobile Banking online platforms offered by the Bank, including transactions and facilities offered by the Bank through the Internet Site to the Account Holder.

“Touch ID” means the service provided by the Bank that allows you to use your device registered fingerprints as a biometric reader to log on to Mobile Banking.

“Trusted Browser” means the security feature that generates a device ID by collecting a number of technical parameters e.g. client operating system, browser version, IP address and time zone to recognize the customer’s source of logon at each instance.

"User Guide" means the guidance and information set out on the Internet Site in the 'Help' pages for the Service, and all other customer guides mentioned in this Agreement and other guidance issued by the Bank in connection with the Service, as amended from time to time.

"Username" means your Internet Banking ID by which the Bank identifies you together with your Secure Key Code or Password (as applicable) whenever you use the Service.

“Working Day” means any day except Fridays, Saturdays, and public holidays announced by the Qatar Central Bank, on which banks in the Country are normally open for business.

“We”, “Us” and “Our” refer to HSBC Bank Middle East Limited. Our “Branches” means those branches of HSBC Bank Middle East Limited situated in the Country.

"You" means the Account Holder, and "Your" has the corresponding meaning.

2.1 The terms and conditions set out in this Agreement apply to the Bank’s provision of, and your use of, the Service, and should be read in conjunction with the Bank’s General Terms and Conditions.  If there is any inconsistency between the Bank’s General Terms and Conditions and this Agreement, as may be relevant to the Bank’s provision of, and your use of, the Service, the terms and conditions set out in this Agreement shall prevail.  Further terms and conditions may be applicable with regard to any specific product or service which is accessed through your use of the Internet Site, which can be found on our website.

2.2 The Bank shall provide, subject to this Agreement, Online services and facilities from time to time through an Internet Site and through Mobile Banking to enable you to give Instructions to, and communicate with, the Bank for the purpose of operating your Account and conducting banking, investment, financial and other types of transactions and for the purpose of obtaining services, products, goods, benefits and privileges from the Bank. As part of the Service, the Bank may make available (via the Internet Site) Information and may provide Reports.   The available banking services may vary depending upon whether you are using Mobile Banking or Internet Banking and in additional, the portal and the country from which the Internet Site is being accessed.

2.3 As part of the Service you will be issued either PIB Full or PIB Lite functionality.

2.4 The Bank has the right to determine and vary from time to time the scope of the Service to be made available including, without limitation:

2.4.1 expanding, modifying or reducing the Service of its functionality at any time;

2.4.2 imposing and varying any restrictions on the use of the Service such as minimum and maximum daily limits with respect to the value of any transaction or dealing which you may conduct by using the Service; and

2.4.3 prescribing and changing the normal service hours during which the Service shall be available and the Payment Cut-Off Time applicable for any type of facility or transaction. Any Instruction received by the Bank after any applicable Payment Cut-Off Time will be processed by the next working day if you have provided us with all pre-requisite information and/or documentation. The Bank may specify a working day and a Payment Cut-Off Time by reference to the date and time of various markets operating in different time zones. In the event that we are unable to process the payment request for legal, regulatory or Financial Crime reasons, we will not be liable for any losses (whether we process the payment or not).

2.5 The Service is offered only in the Country where it may be lawfully offered by the Bank, any of the HSBC Group of Companies and/or any third party. If you are not accessing the Service through a computerised device located in the Country, you are required to inform yourself about and observe any relevant laws, regulations and local practices (whether in relation to any restrictions or otherwise and also in the light of your own circumstances) before using the Service or acting on information relating to the Service.

2.6 No Information provided through the Service shall be regarded as an offer or solicitation to sell investments or make deposits in any jurisdiction other than the Country nor is such Information intended to offer (directly or indirectly) investment, legal, accounting, tax or financial advice to you or any party.

2.7 You shall at all times, in addition to complying with this Agreement, exercise due diligence and good faith in using the Service. Should the Bank be of the opinion that you have in any way breached this Agreement; the Bank shall have the right, without further notice, to suspend or terminate the use of the Service by you.

2.8 Any use by you of the Service shall always be subject to the terms and conditions set out in this Agreement. If at any time, and for any reason, you are unable to abide by this Agreement, you must immediately cease to use the Service and notify the Bank accordingly.

3.1 If you are using and accessing your account through the Service, you can view the Bank’s full Privacy and Security Statement at www.hsbc.com.qa/privacy-statement/ (“the Statement”). The Statement also details how the Bank uses cookies and the purpose for which the Bank uses them.

3.2 The Bank may use cookies to show you tailored content on its website or other websites of things it thinks you might be interested in, but only in relation to HSBC products and services.

3.3 The Bank may, using the data gathered through cookies, contact you via post, sms, email or phone.

3.4 Information collected may be used to prepare aggregate information about the number of visitors to the Internet Site and general statistics on usage patterns.

3.5 The Bank’s Privacy Notice explains how the Bank collects, uses, discloses, transfers and stores your information and sets out your rights to your information. The Bank has provided you separately with the Privacy Notice and will inform you when it makes any changes to it. You can also find this at www.hsbc.com.qa or you can ask for a copy in branch.

3.6 The Bank will also give your information to others if required by law (e.g. if the Bank believes you may have tax obligations in other countries, it may have to disclose that information directly to tax authorities or it may disclose it for the purpose of detecting or preventing fraud and financial crime). The Bank may also disclose it if it needs to protect its own interests (e.g. in any legal proceedings) or if the Bank has your specific agreement.

3.7 You can set your browser to disable persistent cookies and/or session cookies, but if you disable session cookies, you will not be able to log onto the Service through the Internet Site (although you will be able to view the Bank’s public unsecured website).

4.1 You need to activate your Digital Secure Key or Secure Key Device in order to have access to PIB Full.

4.2 If you are a user of the Mobile Banking App, you must activate your Digital Secure Key through your Mobile Banking App. Once you have activated Digital Secure Key on your Mobile banking App, you will not be able to use Secure Key Device.

4.3 If you are a user of the Mobile Banking App, and do not activate your Digital Secure Key, you will not be able to use your Mobile Banking App until you activate your Digital Secure Key. However, you will still be able to access Personal Internet Banking.

4.4 If you have been sent a Secure Key Device you have 30 calendar days from the date that the Secure Key Device was requested to activate the Secure Key Device, in accordance with the activation instructions sent to you with the device. Until you activate the Secure Key Device you may only have access to PIB Lite, unless you have opted to activate your Digital Secure Key through your Mobile Banking App, in which case your Secure Key Device will not be valid.

4.5 If you do not activate the Secure Key Device which you have been sent (whether requested or otherwise) within 30 calendar days of being sent the device, your access to the Service (both PIB Full and PIB Lite) may be suspended. You should speak to your local branch or Bank’s Call Center to arrange access to the Service and for a replacement Secure Key Device.

4.6 If you have accessed Mobile Banking using Biometrics, you will only be able to access PIB Lite functionality on the Mobile Banking App.

4.7 The Bank reserves the right to provide you with either PIB Full or PIB Lite functionality at any time, at our discretion.

5.1 Utilisation functionality of the Service may differ depending upon the portal from which you are accessing our Internet Site, the level of functionality granted to you, and the method which you have used to access the Service, i.e. whether through  Secure Key device or with Biometrics. Your ability to exercise the functions set out in this clause 5 will depend on whether you have been given PIB Full or PIB Lite functionality.

5.2 You may make a payment transfer from any Account to another person's account with the Bank within the Country or another financial institution (which includes the foreign branches of the Bank) or to another account you hold with another financial institution, provided that the aggregate amount of such payments (as per any foreign currency conversion rates applicable) on any day does not exceed the daily service limits set by the Bank.

5.3 You may place orders for the purchase or sale of foreign currency provided that the currency purchased is to be transferred between Accounts. If you place orders for the purchase or sale of a foreign currency involving an equivalent to the amount of the daily service limit, then any exchange rates provided will be indicative only. The rate of exchange to be applied will be the applicable exchange rate in force at the date and time at which the relevant transaction is processed by the Bank.

5.4 If you give an Instruction on a Working Day to make a payment from an Account to another bank after the Payment Cut-Off Time it will be processed on the next Working Day.

5.5 If you give an Instruction to make a payment between any Accounts with the Bank in the Country, it will be effected instantly. This does however not apply to transfers made to credit cards, where the amount transferred shall be debited instantly but credited only the next Working Day.

5.6 If you give an Instruction to make a transfer of money in the currency of the Country to any account not held with the Bank either after the Payment Cut-Off Time or on any day which is not a Working Day it will not be made until the next Working Day.

5.7 If you give an Instruction to transfer monies in a currency other than that of the Country to an account with any other bank after the Payment Cut-off Time, it will be made on the next day which is both a Working Day in the Country, and a working day in the country of the beneficiary account and the financial centre for the relevant currency.

5.8 The Bank may, in its absolute discretion and without liability, refuse to act on or delay acting on any Instruction if:

5.8.1 it is a request or instruction the effect of which would be to exceed a limit imposed by the Bank upon you or your Account for whatever reason (please refer to “Frequently Asked Questions and Help” text under “Transfer” option on the Internet Site for details of limits governing the Service);

5.8.2 the Bank knows of or suspects a breach of security, fraud or unlawful activity in respect of or in connection with the operation of one or more of the Accounts or the Service generally;

5.8.3 we reasonably believe that we may fail to comply, or it may negatively impact our compliance with a law, regulation, code, court order or other requirement imposed on us, or any of the HSBC Group of Companies, if we act or choose not to act;

5.8.4 we reasonably believe this is necessary for the prevention, detection or investigation of Financial Crime;

5.8.5 there are reasonable administrative reasons; or

5.8.6  the Bank has terminated this Agreement.

5.9 Where the Bank has Instructions for more than one payment from an Account on the same day, it will determine the order or priority in which the payments are made.

5.10 Due to unexpected communication network volumes and failures, there may be a time lag in transmission of information and communication via the Internet. Accordingly, your Instructions, requests or transactions may not be carried out within the time frames anticipated.

5.11 You are responsible for the accuracy and completeness of Instructions and for ensuring that they will achieve their intended purpose. The Bank shall not be liable for any loss or delay where the contents of an Instruction are inaccurate or incomplete.

5.12 The Bank is entitled to debit the Accounts, wherever they are situated and whenever they are opened, with any amounts that the Bank has paid or incurred in accordance with an Instruction.

5.13 You will be responsible for all Instructions given by you or anyone acting with your authority between when you log on to Mobile Banking until you log off Mobile Banking. You are responsible for making sure information shown or stored on your mobile phone device is kept secure.

5.14 Instructions under the “manage card” feature within Mobile Banking made in respect of a primary card will not apply to your supplementary card(s) unless made separately and specifically to the supplementary card(s).

6.1 When you first register for the Service, you will be asked to identify yourself by confirming any of the following of your existing personal security identification information (n.b. the initial registration for the Personal Internet Banking must be completed from a computer and not from a mobile phone):

• PBN and the existing 6-digit Phone Banking PIN, or
• ATM/Debit Card number or Credit Card number and the corresponding PIN.

6.2 Once you have successfully identified yourself in the Service registration process, you will be asked to create a new Username, Password, a Security Question and Security Answer.

6.3 You may activate your Digital Secure Key during your Mobile App registration journey.

6.4 You will only be sent a Secure Key Device by the Bank if requested and subject that you are not a user of the Mobile Banking App.. If you are not sent a Secure Key Device by the Bank, you may also request one through one of our branches or through the Bank’s Call Centre.

6.5 Access to the Service and to your Account, once you have successfully completed the registration process for the Service, may thereafter be achieved by the Bank’s online verification of the Username, Password, or Secure Key code (generated through Digital Secure Key or accessed by providing your Secure Key PIN on Secure Key Device), Biometrics or mPIN (for Mobile Banking once activated), and without the Bank having any ability to verify the actual identity of the person submitting this information to the Bank through use of the Service.

6.5.1 Once you have passed the online verification you will be asked to trust the browser you are using to logon into Service. The way of recognizing the browser will differ on whether you have logged in using your Secure Key Code.

6.5.2 It is of critical importance therefore for you to keep your all related security information secret, and never to disclose this information to anyone, including those purporting to be acting on behalf of, or to be employed by, the Bank.

6.6 The Bank may reset your Username, Password, Secure Key PIN and Security Answer at any time, by notifying you by a SMS or email. You may change your Password from time to time to protect yourself and your account.

6.7 The Internet Site through which you access the Service is subject to change by the Bank, and the Bank may make such changes (including changes to layout) without prior notification to you.

6.8 Mobile Banking can be used on a mobile telephone device running an operating system supported and specified by us from time to time, from which you can access the internet. However, not all of our services available on online banking can be accessed using Mobile Banking.

6.9 To access Mobile Banking, you would need to download the HSBC Mobile Banking App on a suitable device from your relevant app store. As part of the activation you would be required to verify yourself by the Bank’s online verification of the Username, Password, and One Time Password sent to you on the mobile number registered with the Bank. This activation process will be followed by creation of mPIN which you may need to use in subsequent logons to Mobile Banking unless you activate biometrics.

6.10 We do not charge for accessing Mobile Banking. However, your mobile network operator may charge you to download or access the Mobile Banking app and its features and these charges may vary if you download or access the Mobile Banking app when abroad. You are responsible for these charges.

6.11 Updates to Mobile Banking may be issued periodically through the supplying app store. For some devices, updates will be downloaded automatically. If this does not happen, you will need to download the update yourself. We may display in-app messages when you try to log on to remind you to do this. You should log on to Mobile Banking regularly to check these messages. Depending on the update, you may not be able to use Mobile Banking until the latest version has been downloaded.

6.12 Mobile Banking may only be installed and used by our customers, who are already enrolled to Personal Internet Banking. It is not intended for download, or use by, any person who is not already our customer or in any jurisdiction where such download or use would be contrary to any law or regulation of such jurisdiction or where we are not licensed or authorized to provide Mobile Banking or related services. 

6.13 Access to the Service could be allowed simultaneously ie. on both Personal Internet Banking and Mobile Banking platforms. However, you must ensure to log out from either Service if you are not directly using it. The Bank shall not be responsible at any time if the Service was accessed by any other person if you have failed to log out of any the platforms while using the Service.  

7.1 If the Bank makes this facility available to you as part of the Service, you may send the Bank, and the Bank may communicate with you, through secure “e-messages”.  

7.2 If you send the Bank an e-message, the Bank will aim to respond to you within two Working Days by e-message or by telephone as confirmation of receipt of your e-message. If this is not possible, or the Bank is not able to answer your query or comply with your request within this timescale or at all, the Bank will aim to let you know this within two Working Days. No request will be implemented until the Bank has first sent you an e-message as confirmation. Please be aware that once you have sent a request, the Bank may not be able to reverse it before it is implemented.

7.3 You must not send the Bank e-messages:-

7.3.1 in relation to matters for which there is a specific functionality on the Service e.g. to notify the Bank of a change to your address or to make a payment;

7.3.2 which require immediate attention such as a security breach of your Username or Password (in such circumstances, please immediately telephone the Bank instead);

7.3.3 which are requests of a transactional nature e.g. share dealing or fund management instructions;

7.3.4 reporting the loss or theft of your Secure Key device, cheques, ATM/Debit Cards and/or Credit Cards (in such circumstances, please immediately telephone the Bank instead);

7.3.5 using any content which would be regarded generally as offensive, frivolous or otherwise inappropriate.

7.4 If you use the e-messaging part of the Service inappropriately in any way, the Bank may (in its absolute sole discretion) remove the e-messaging facility or terminate your use of the Service in accordance with the Termination provisions in this Agreement.

7.5 Under no circumstances should any e-message sent by the Bank be construed as an offer to provide a product or service to you on particular terms or at all. All products and services are subject to separate terms and conditions.

8.1 Accessibility and receipt of e-Statement/eAdvice through the Service waives your legal right to challenge the non-receipt of its content.

8.2 For credit card customers who also hold an Account with us, you will be automatically subscribed to the credit cards e-Statements service and you will no longer receive paper statements. You may however de-select this option at any time.

8.3 You are deemed to have validly received your e-Statements electronically at the time when a notification is sent by us on your Personal Internet Banking informing that your Account/Composite e-Statement is ready to be viewed and to your registered e-mail address when your Credit Card e-Statement is ready to be viewed on Personal Internet Banking. Our records constitute the final and conclusive evidence that such e-mail notification was effectively sent and received by you.

8.4 It is your responsibility to retrieve, collect, take delivery, download or otherwise seek to obtain statements related to your Account. Should you fail to receive your statements we shall not be held liable.

8.5 The e-statement and e-advice facilities are not available through Mobile Banking.

9.1 The Bank will from time to time determine or specify at its discretion the scope and features of the SMS Alert Service and shall be entitled to modify, expand or reduce the same at any time upon notice to you.

9.2 The SMS Alert Service may, without prior notice to you, be suspended or terminated by the Bank for any reason whatsoever, including, without limitation, invalid data, closure of related account(s), breakdown, maintenance, modification, expansion and/or enhancement work caused or initiated by the telecommunications company(s) concerned in relation to their network or by any service provider in respect of the SMS Alert Service. The Bank shall not assume any liability or responsibility for any such suspension or termination. The SMS Alert Service may be terminated at any time by notice from you to the Bank in the form of an application form (available at any of our branches). Any such termination shall be effective within 3 Working Days of the Bank’s receipt of the termination notice.

9.3 Any information received by you under the SMS Alert Service is for general information purposes only, and shall not be taken as conclusive evidence of the matter to which it relates.

9.4 You must promptly notify the Bank of any changes to information provided to the Bank related to or for the purposes of the SMS Alert Service including the details of your designated mobile phone number and the telecommunications company providing or servicing it. In addition, you shall promptly inform the Bank of any loss or theft of your mobile phone by calling the Bank’s Call Centre. The Bank shall not be liable for any loss or claim resulting from the relaying of any information pursuant to the SMS Alert Service to the designated mobile phone number prior to receipt of any notification of loss or theft. Following receipt of notification of loss or theft, you shall have no further liability provided that you have acted in good faith and all reasonable care and diligence in safeguarding the designated mobile phone number and in promptly reporting its loss or theft to the Bank.

9.5 The Bank shall not assume any liability or responsibility for any failure or delay in transmitting information to you through the SMS Alert Service or any error in such information, unless this results from the gross negligence or wilful default on the part of the Bank. In particular, the Bank shall not assume any liability or responsibility for the consequences arising from any cause beyond its reasonable control including, without limitation, failure of your telecommunications equipment to receive information for whatever reason, any telecommunications breakdown, mechanical failure, path failure, malfunction, breakdown, interruption or accuracy of equipment or installation. None of the telecommunications companies designated by the Bank are the Bank’s agents or the Bank’s representatives and there is no co-operation, partnership, joint venture or other relationship between the Bank and any of them.

9.6 You undertake to indemnify and hold the Bank harmless against all actions, claims, demands, liabilities, losses, damages, costs and expenses of whatever nature that may result or which the Bank may sustain, suffer or incur as a result of the Bank agreeing to provide the SMS Alert Service to you.

9.7 The Bank shall not be liable for any losses or damage caused (a) by the disclosure of confidential information; (b) by the disclosure of information to the designated mobile phone where such designated mobile phone is in another person's possession with your consent; or (c) to your data, designated mobile phone, telecommunications equipment or other equipment, in each case caused by your use of the SMS Alert Service, unless such loss or damage is directly and solely caused by our wilful default or negligence.

9.8 Any notice from the Bank to you may be made in such manner and by such means of communication as the Bank shall deem fit, including, without limitation, use of direct mailing material, advertisement, branch display, electronic communications such as e-mail or any communication made through use of the Service, or via the SMS Alert Service.

10.1 The Bank may, as it sees fit, suspend any service provided to you under the Service, without notice where the Bank considers it necessary or advisable to do so, for example, the Bank may do so when:

10.1.1 the Bank needs to suspend the Service for maintenance or other reasons;

10.1.2 the Bank suspects a breach or a potential breach of security, fraud or unlawful activity;

10.1.3 you fail to take reasonable care to ensure the security of your use of the Service;

10.1.4 if you access the Service from a sanctioned destination;

10.1.5 we reasonably believe that we may fail to comply, or it may negatively impact our compliance with a law, regulation, code, court order or other requirement imposed on us, or any of the HSBC Group of Companies, if we act or choose not to act; or

10.1.6 we reasonably believe this is necessary for the prevention, detection or investigation of Financial Crime.

10.2 The Bank will use its best efforts to inform you without undue delay through the Service, and/or the Internet Site(s) if any feature of the Service is not available. 

11.1 You must keep all of your security information which you use to access the Service safe and take steps to prevent any unauthorised use of them. You must not tell or disclose them to another person or allow them to be seen by another person (including your family or friends). You must not keep a record of them in a way which they can be determined by another person. You must not record them together. You must not select a Password or Secure Key PIN which represents your birth date or a recognizable part of your name, address or telephone number.

11.2 The Bank may from time to time provide guidelines for ensuring the security of a Password, Security Questions, Secure Key PIN, Username, Mobile Banking Biometrics or mPIN. The guidelines will provide examples only of security measures and will not determine your liability for any unauthorised Instruction on your Account. Liability for such transactions will be determined in accordance with clauses 12 and 13 below.

12.1          You must notify the Bank immediately by calling the Bank’s Call Centre if:

12.1.1  a record of your Username, Secure Key PIN, Password and/or mobile telephone device is lost or stolen;

12.1.2   you become aware or suspect another person knows your Username, Secure Key PIN or Password;

12.1.3   you become aware or suspect another person has compromised or changed your Biometrics, mPIN or Password without your permission; and/or

12.1.4 you become aware or suspect another person has made unauthorised use of the Service.  

The Bank will then cancel/reset your Password or Secure Key PIN and arrange for you to select a new one.

12.2 The Bank may cancel/reset a Username, Secure Key PIN and/or Password at any time without notice if it believes either is being misused.

12.3 You agree that the Bank may disclose information about you or your Account to the police or other third parties if it thinks it will help prevent or recover losses.

13.1 You should carefully check Account records and statements when you receive them. If you believe that there has been a mistake in any transaction using the Service, or an unauthorised transaction, you must notify the Bank immediately by calling the Bank’s Call Centre. Failure to do so may render you liable for any unauthorised transaction which you may not otherwise be liable for.

13.2 The Bank’s records, unless proven to be manifestly wrong, will be evidence of your dealings with the Bank in connection with the Service.

13.3 The values shown for your non - insurance based products are based on the details of your investments held in the Bank’s records and will not have been adjusted to reflect any sales or purchases made by you directly. The Bank shall not be liable or responsible in any way for any inaccurate or incorrect information provided by any third party.

13.4 Your investments in insurance based products are quoted at the investment value as at the purchase date of such investment product. The figures shown are the aggregate amounts invested by you and not the current value of your investments.

13.5 Subject to the applicable laws of evidence, each party agrees not to object to the admission of the records of the other as evidence in legal proceedings because such records are not originals, are not in writing or are documents produced by, or printed from, a computer.

14.1 You will be liable for any loss of funds arising from any unauthorised transaction on your Account if the loss occurs before you notify the Bank that your Username, Password, Secure Key PIN, Biometrics, mPIN or Secure Key Code has been misused, compromised, lost or stolen or has become known or made available to someone else, and if you have contributed to the loss because of any;

14.1.1 Fraud or failure on your part to look after and keep your Password or Username, Biometrics, mPIN or Secure Key PIN secure in accordance with clause 11, or extreme carelessness on your part to protect the security of your Password or Username, Biometrics, mPIN or Secure Key is the dominant cause of your loss; or

14.1.2 unreasonable delay on your part in notifying the Bank of the misuse, loss or theft of your Username or Password or Secure Key PIN Biometrics or mPIN or of them becoming known or made available to someone else, and the loss occurred between the time you became aware, or should reasonably have become aware, of these matters and the time you notified the Bank.

14.2 However, your liability arising pursuant to clause 14.1 above will not exceed the lesser of:

14.2.1 the credit balance of the Account plus any pre-arranged credit limit; or

14.2.2 the amount you are able to withdraw from your Account on the day the unauthorised transaction takes place.

14.3 You will not be liable for losses to your Account which are incurred:

14.3.1 before you have received your Username; or

14.3.2 if the transaction(s) giving rise to the loss occurred after you notify the Bank that your Username, Password or Secure Key, Biometrics, mPIN has been misused, compromised, lost or stolen or become known to someone else; or

14.3.3 by the fraudulent or negligent action of the Bank's employees or agents, or of fraudulent or negligent action of the employees or agents of the companies involved in networking arrangements for the electronic transfer of funds or of merchants linked to that system; or

14.3.4 in circumstances where the access method to the Service (including the Password or Username or Secure Key, Biometrics or mPIN) had been cancelled or expired, or was, faulty or forged; or

14.3.5 by the same transaction being incorrectly debited by the Bank more than once to the same Account.

14.4 You will be liable for and agree to indemnify the Bank against any loss or damage the Bank may suffer because you did not observe your obligations under this Agreement or acted negligently or fraudulently when using the Service.

14.5 Mobile Banking is provided “as is” with no representation, guarantee or agreement of any kind as to its functionality. We cannot guarantee that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your mobile telephone device. We are not responsible for any loss you may incur as a result of this.

15.1 The Bank shall take reasonably practical steps to ensure that its systems in connection with the Service are installed with adequate security designs and to control and manage the risks in operating the systems, taking into account any law, rules, regulation, guidelines, circulars, codes of conduct and prevailing market practices that may be applicable from time to time.

15.2 Neither the Bank, nor any member of the HSBC Group of Companies, nor any Information Provider warrants or represents that the Service, the Information and the Reports are free from virus or other destructive features which may adversely affect the hardware, software or equipment belonging to, or being used by, you.

15.3 In no event shall the Bank or any Information Provider be liable to you or any other person(s) for any incidental, indirect, special, consequential or exemplary damages including, without limitation, any loss of use, revenue profit or savings.

15.4 The Information and the Reports are made available for reference only and are not intended for trading or other purposes. Neither the Bank nor any Information Provider shall be considered an investment adviser to you.

15.5 No warranty, representation or guarantee of any kind is made by the Bank with respect to the Information and/or the Reports nor may any warranty, representation or guarantee of any kind be implied, including without limitation, with respect to the sequence, accuracy, truth, reliability, adequacy, timeliness or completeness of any of the Information or the Reports or whether they are fit for any purpose. No employee or agent of the Bank or those of any Information Provider is authorised to give any such warranty, representation or guarantee. Neither the Bank nor any Information Provider shall assume any liability for any reliance placed on the Information or the Reports by you or any other person.

15.6 In relation to information pertaining to any product or service not provided by the Bank (including without limitation, insurance and unit trust products), you should verify all such information with the product/service provider before relying on any information supplied.

15.7 It shall always be your responsibility to determine independently market prices and rates for trading purposes through your usual trading channels, and to verify any Information and/or Report before relying or acting on it/them, and to seek independent professional advice on legal, tax and other issues in connection with the use of the Service, the Information and the Reports, the conduct of transactions pursuant to such use, and this Agreement, as such may affect you under all applicable laws.

15.8 The Information will be made available as it is supplied and identifying, where relevant, the Information Provider directly supplying it to the Bank. The Bank does not endorse or express any comment on any Information supplied by any Information Provider nor assume any duty to check or verify any Information.

15.9 While every care has been taken in preparing the information and materials contained in the Internet Site, such information and materials are provided to you on an “as is” basis without warranty of any kind either express or implied.  In particular, no warranty regarding non-infringement, security, accuracy, fitness for a particular purpose or freedom from computer virus is given in conjunction with such information and materials.

15.10 E-mail messages sent to the Bank over the Internet cannot be guaranteed to be completely secure. The Bank shall not be responsible for any damages incurred by you if you send a message to the Bank, or if the Bank sends a message to you at your request, over the Internet. The Bank shall not be responsible in any manner for direct, indirect, special or consequential damages arising out of the use of the Internet Site.

15.11 Due to the nature of the Internet, and the inevitable periodic disruptions to the telecommunication services available at any given time, transactions may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission. The Bank will not be liable for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages and transactions you send.

15.12 Subject to clause 14 and to the extent permitted by law, the Bank will not be responsible for any damage or loss including legal costs, whether consequential or not, caused because of access to, or inability to access, the Service.

15.13 The Bank will not be responsible for any damage or loss caused by the acts or omissions of its employees except where they have committed an unlawful act.

15.14 You will be liable for and agree to indemnify the Bank against any loss or damage the Bank may suffer because you did not observe your obligations under this Agreement or acted negligently or fraudulently when using the Service. The Bank will not be responsible for any loss that you may incur if you fail to comply with this Agreement and to observe all the security tips.

15.15 The use of the Internet is subject to other risks which are not of a security nature described elsewhere in this Agreement but which arise from factors beyond the Bank's control, for example failure of communication networks, mechanical failures, power failures, malfunction, breakdown or inadequacy of equipment. These risks may result in your requests or transactions being delayed, lost or inaccurately transmitted and may cause you to suffer losses. Unless the Bank has been grossly negligent, the Bank will not be responsible for any such losses.

16.1 If you wish to register a concern regarding our services, please contact our Regional Contact Center for assistance. Once you call our Regional Contact Centre, you will receive a notification acknowledging your complaint/ feedback and will be contacted within two Working Days. In the event we are unable to provide an immediate solution to your complaint/ feedback, you will be provided with a Complaint Reference Number, together with the approximate time frame required to resolve the matter. You will be contacted by the committed date with a full response. Further details are outlined in HSBC Public Website, which can be found on complaints page.

17.1 The Bank reserves the right to change this Agreement and any other information it has issued about the Service at any time and at its own discretion.

17.2 If we change any part of these Terms, we will give you at least 30 days’ notice in advance unless one of the following applies:

17.2.1 a change in law, industry code, regulation or market practice;

17.2.2 a change in the cost of providing services to you, including money market rates or bank base rates;

17.2.3 a change to our way of doing business including the introduction of new technology, or an amendment to our existing technology or any of our platforms on which the Service is provided;

17.2.4 to reflect our policies on the competitiveness, market share and profitability of our business, where we are not acting dishonestly, for an improper purpose, to discriminate against a particular customer or as an unreasonable financial institution;

17.2.5 to make these Terms clearer to you;

17.2.6 where any electronic, safety or enhancement purposes require immediate change to the Service and consequentially the Terms;

17.2.7 the change is in your favour;

17.2.8 any other valid reason; or

17.2.9 If the Bank introduces a new fee or charge, in this case you will be given at least 30 days’ notice in advance of the change. If the change is in your favour, then the change may occur without notice.

17.3 Where the change in the Online Banking Terms and Conditions is in your favour, we will try to tell you as soon as reasonably practicable after the change has happened using appropriate means including announcements made through our Website, SMS, Email or displaying through our branches.  

17.4 When the Bank introduces new services in connection with the Service, the Bank may provide them on supplementary terms which will be notified to you from time to time in accordance with this Agreement. 

18.1 If you use the Service to effect a transaction you may incur a fee on the Account you access or on the beneficiary account or both, depending upon the option you select to pay the charges. The fees and charges payable in respect of transactions are those detailed in the Bank's Tariff of Charges (as applicable at the time the relevant transaction is undertaken) and which may be viewed on the Tariff of Charges available on www.hsbc.com.qa.

18.2 You shall be liable for any telephone charges and any other charges imposed by your Internet service provider as a result of you accessing and using the Service.

18.3 You authorise the Bank to debit your Account with any charges incurred in connection with your use of the Service.

19.1 From time to time, the Bank may advertise its own products or services and those of other companies in the HSBC Group of Companies on the Internet Site through which you access the Service. If, in relation to other agreements between you and the Bank, you have asked it not to send you any marketing material (or if you do so in the future), you agree that this restriction will not apply to these electronic advertisements and consent to receiving them when accessing the Bank's internet website and/or Service.

20.1 The Bank uses a very high level of encryption to protect your transactions and Accounts from unauthorised access. The use of such levels of encryption may be illegal in certain jurisdictions. It is your responsibility to ensure that your ability to use the Service is permitted by local law. You are responsible for acquiring and maintaining any equipment required for your continued access to and use of the Service (such as your telephone or computer), and for your own computer's anti-virus and security measures.

20.2 You agree not to interfere with or damage (or attempt to interfere with or damage) any data or software associated with the Service.

20.3 Due to the open nature of the Internet, the Bank cannot guarantee the complete security of your transactions from hacking, unauthorised access, virus attacks and other deliberate attempts by third parties in breaching the latest security features which have been put in place.

20.4 You are required to protect yourself against some of the security risks by ensuring that you do not in any circumstances disclose your Username and/or Password to anyone, allow anyone else to register their fingerprint(s) or facial map(s) on your mobile telephone device in case of Biometrics or mPIN and protect your Secure Key device from unauthorised use (please see clause 19 for information on this issue).

20.5 On the Bank's part, all reasonably practicable steps will be taken to ensure that your transactions are secure, including the installation of security features which are designed to keep all communication private and confidential. Further, the Bank is also not responsible for the consequences of any virus or other destructive features which may adversely affect your hardware, software or equipment.

20.6 You shall assess the security features of the Service, and Online Banking generally, and determine for yourself whether the security features of the Service are adequate to protect you when using the Service.   The Bank makes no representations or warranties to you that the security features of the Service are adequate for your personal needs.

20.7 For Touch ID/fingerprint log in, you should ensure that only your fingerprint(s) are registered on the mobile telephone device. You may be responsible for all transactions made from your accounts if your fingerprints are not the only fingerprints registered on the mobile telephone device.

20.8 For Face ID log in, the probability of a false match using Biometrics varies in some cases, for example there is a higher risk of false match where there is a close genetic relationship such as siblings or twins, or amongst children under the age of 13 years. The risk is increased if you disable the “Require Attention for face ID” in your mobile telephone device settings.  If you are concerned about this, and do not wish to take the associated risks and potential consequences of unauthorized access to your Accounts, we recommend you do not use Biometrics for logging in. If you choose to activate Face ID, you may be responsible for all transactions made from your Accounts. You may be responsible for all transactions made from your accounts if your facial map(s) are not the only facial map registered on the mobile device.

20.9 You must take all reasonable precautions to keep safe and prevent fraudulent use of your mobile telephone device. Once you have logged on to Mobile Banking do not leave the mobile telephone device unattended or let anyone else use your mobile telephone device. Always ensure you log out of Mobile Banking once you have finished using the Service, and in particular do not leave your mobile telephone device running in the background whilst logged in (for e.g. whilst multi-tasking or running other apps). You should follow all security measures provided to you by the manufacturer of your mobile telephone device operating system that apply to your use of Mobile Banking or Mobile device.

20.10 You must not use Mobile Banking on any mobile telephone device or operating system that has been modified outside the mobile telephone device or operating system vendor supported or warranted configurations. This includes mobile telephone devices that have been "jail-broken" or "rooted". A jail broken or rooted device means one that has been freed from the limitations imposed on it by your mobile service provider and the phone manufacturer without their approval. The use of Mobile Banking on a jail broken or rooted device may compromise security and lead to fraudulent transactions. Download and use of Mobile Banking in a jail broken or rooted device is entirely at your own risk and the Bank will not be liable for any losses or any other consequences suffered or incurred by you as a result.

20.11 You must delete Mobile Banking from your mobile telephone device if you change your mobile telephone device or dispose of it. If you change your mobile telephone device number please advise us on Bank’s Call Center or Phone Banking of this change without delay.

20.12 You should only download Mobile Banking and its updates from an official supplying app store and not from any unofficial sources. 

21.1 No individual employed by the Bank or any of the HSBC Group of Companies will ever ask you to disclose or confirm your Username, Password or Secure Key PIN or Secure Key Code. If ever someone does ask you to confirm or disclose them, you can be confident that, he/she does not represent the Bank or any of the HSBC Group of Companies.   Scam Emails are a method that are used by fraudulent persons to obtain details of your Username, Password or Secure Key PIN or Secure Key Code. We ask you to exercise extreme caution. These e-mails typically tempt customers to click a link which then takes them to a fairly realistic looking website representing HSBC. Customers are then asked to input various details including usernames, passwords and other personal details quoting security reasons.   We have therefore created the following guidelines that we strongly recommend be adhered to.

21.2 Do not respond to emails asking for secure information. Neither the Bank nor   any of the HSBC Group of Companies uses e-mail communication to convey or seek information of a sensitive nature such as Username, Passwords, Secure Key PIN, Secure Key Code or confirmation of personal details.

21.3 On occasion, we may send e-mails promoting our products and services. You can respond to these but you should do not have to key in passwords for such responses.

21.4 If you receive any suspicious looking e-mails, do not carry out any of the instructions within them. If you are concerned that you may have mistakenly disclosed your security details, please contact the Bank’s Call Centre immediately.

22.1 The Bank may record telephone calls made to the Bank's Call Centre for transaction verification, quality control and/or training or other evidentiary purposes.

23.1 The Bank and other parties own the trademarks, logos and service marks displayed on the Internet Site, including, without limitation, HSBC and the Hexagon logo, and users of the Service are prohibited from using the same without the prior written permission of the Bank or of such other parties, as applicable.

23.2 The materials on the Internet Site, including the Information and Reports as may be prepared by the Bank, are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without the Bank’s prior written consent.

23.3 You acknowledge and agree that HSBC and the Bank’s Hexagon logo, the Information and the Reports and their form, format, mode or method of compilation, selection, configuration, presentation and expression (collectively “Confidential Information”) are trade secrets and confidential and proprietary property of the Bank and/or that of the respective Information Providers. No right, title or interest other than the right to access the Information and the Reports subject to this Agreement is conveyed or transferred to you. You shall not make any representation or do any act which may be taken to indicate that you have any such right, title or interest.

23.4 Unless expressly permitted by this Agreement, you shall not, and shall not attempt to:

23.4.1 sell, transfer, disclose, assign, convey, lease, sub-license, share, loan, distribute, transmit, broadcast, cablecast, put in circulation, download, reproduce, duplicate or otherwise provide or disseminate any Confidential Information in any form or by any means to any other person or commercially exploit any Confidential Information.

23.4.2 remove, obliterate, erase, relocate or modify in any way any proprietary marking on or appearing within the Confidential Information including, without limitation, any trademark or copyright notice.

23.4.3 incorporate or combine the Confidential Information with any other programs.

23.5 An Information Provider may impose from time to time terms and conditions in relation to the availability of any Information supplied by it. Access by you to such Information by, on or after the effective date, subject to prior notification, of such terms and conditions shall constitute acceptance by you thereof.

23.6 When using the Service, you are permitted only to print, copy, download or temporarily store extracts from the Internet Site for your own information purposes and any other use of the Service is prohibited unless the Bank’s prior written consent is obtained. You are not authorised to alter any aspect of the Service. You may not use any part of the Internet Site on any other website, or link any other website to the Bank’s Internet Site, without the Bank’s prior written consent.

23.7 You must not alter, modify, adapt, reverse-engineer, copy or reproduce all or any part of Mobile Banking.

23.8 You must not remove or tamper with any copyright notice attached to or contained within Mobile Banking. All ownership in Mobile Banking remains with us.

23.9 Mobile Banking is for your personal use only, and you must not use Mobile Banking for business or commercial or other unauthorised purposes.

24.1 You may stop your use of the Service at any time by giving written notice to the Bank.

24.2 The Bank may terminate the Service at any time by giving you a written notice.

24.3 Bill payments or funds transfers for which Instructions have been given and which are scheduled to be made after your use of the Service is terminated shall not be effected by the Bank unless the Bank confirms to you otherwise.

24.4 Upon termination of Mobile Banking, you must remove Mobile Banking from your mobile telephone device and destroy all copies of Mobile Banking including all components of it in your possession. All rights you have in respect of Mobile Banking will immediately end. 

25.1 This Agreement and the Bank’s provision of, and your use of the Service, including transactions carried out under it, are governed by the laws in force in the Country. In the event of a dispute between you and the Bank, both parties agree to settle the dispute in the courts of the Country. 

26.1 The Bank may at any time appoint one or more agents to provide all or any part of the Service and references to the Bank will include references to such the Bank’s agents. You agree that such parties shall have the benefit of any provisions of this Agreement which limit the Bank’s liability.

27.1 Where the Bank passes an Instruction to an Institution on your behalf, the Bank shall not be responsible for any delay or failure by the Institution in executing those instructions.

27.2 Where the Service delivers to you any information supplied to the Bank by an Institution, the Bank makes no warranty as to the accuracy or sufficiency of the information provided by that Institution.

27.3 In order that an Institution may give effect to an Instruction, the Bank may, as your agent, agree with any Institution that where applicable the terms of this Agreement will apply between you and the Institution.

28.1 The Bank shall be entitled to prescribe from time to time the form of notice (whether written or any other form) and the mode of communication with respect to each type of notice to be given pursuant to this Agreement.

28.2 All notices and advices to be given by the Bank to you under this Agreement may be given in writing or electronically through the Service. All such notices and advices will be deemed to have been received by you as follows:

28.2.1 in the case of personal delivery, at the time of personal delivery or on leaving it at the last address provided by you notwithstanding the subsequent return of such notice and advice;

28.2.2 in the case of posting, 5 days from dispatch to the last correspondence address provided by you notwithstanding the subsequent return of such notice and advice;

28.2.3 in the case of each e-mail communication, immediately after transmitting to the registered e-mail address through which you have so communicated with the Bank;

28.2.4 in the case of e-mail communication initiated by the Bank through the Service, immediately after issuance of the message by the Bank; and

28.2.5 in the case of posting on the Internet Site(s), by display and/or advertisement, immediately after such posting, display and/or advertisement by the Bank.

28.3 Except where this Agreement, or the Internet Site itself specifically provides for the manner of giving notice, all notices and communications from you to the Bank (such as instructions to close any account(s) with the Bank) shall be in writing and shall be delivered by registered post to the Bank at its correspondence address and marked for the attention of the Network Services Centre, or delivered by hand to the Network Services Centre at the main office branch of the Bank in the Country. 

29.1 Neither party will be liable for delay in performing or failure to perform any of its obligations under this Agreement which is caused by circumstances beyond its reasonable control, including, without limitation, the failure, malfunction or unavailability of telecommunications, data communications and computer systems and services, war, civil unrest, government action, strikes, lock-outs or other industrial action or trade disputes (whether involving either party's employees or those of a third party). Any delay or failure of this kind will not be deemed to be a breach of this Agreement and the time for performance of the affected obligation will be extended by a period which is reasonable in the circumstances.

29.2 While we make reasonable efforts to provide Mobile Banking, we will not be liable for any failure to provide those services, in part or in full, due to abnormal and unforeseen circumstances beyond our control, the consequences of which would have been unavoidable despite all efforts to the contrary. This includes any phone network failures or, in the case of mobile networks, where you are not in an area of mobile coverage.

30.1 This Agreement is the entire agreement between the parties concerning the use of the Service. It supersedes all previous agreements, communications, representations and discussions between you and the Bank relating to the Service. Any other agreements between you and the Bank and/or mandates relating to the conduct of your Accounts shall remain unaffected.

30.2 The parties shall comply with all applicable data protection and other laws to the same or similar purpose in all relevant jurisdictions.

30.3 Nothing in this Agreement shall affect any right of set-off or combination which the Bank has in relation to any Accounts which are accessed by you through the Service.

30.4 If any provision of this Agreement shall become or shall be declared by any court of competent jurisdiction to be invalid or unenforceable in any way, such invalidity or unenforceability shall in no way impair or affect any other provisions, all of which shall remain in full force and effect.

30.5 The HSBC Group is required to act in accordance with the laws and regulations operating in various jurisdictions which relate to the prevention of money laundering, terrorist financing and the provision of financial and other services to any persons or entities which may be subject to sanctions. The HSBC Group may take any action which we, in our sole discretion, consider appropriate in accordance with such laws and regulations. This may result in a delay in the processing of certain information and therefore information which you access via the Service may not be current or up-to-date.

30.6 You may have the rights and remedies available to you in relation to the provision of services by the Bank which cannot be excluded, restricted or modified (non-excludable rights). The Bank does not exclude any of these non-excludable rights.

30.7 We can transfer all or some of our rights under this Agreement to someone else. You cannot transfer any of your rights and obligations under this Agreement to anyone else.

Issued by HSBC Bank Middle East Limited, Qatar Branch, P O Box 57, Doha, Qatar, regulated by Qatar Central Bank and lead regulated by the Dubai Financial Services Authority. CRN MKT WPB 22745.

© Copyright. HSBC Bank Middle East Limited 2022 ALL RIGHTS RESERVED. No part of this publication may be reproduced, stored in a retrieval system, or transmitted, on any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of HSBC Bank Middle East Limited.