HSBC Mobile Payments Terms and Conditions

IMPORTANT – Before you register and use your Mobile Payment please read these Mobile Payment Terms and Conditions, the HSBC Personal Banking General Terms and Conditions (Qatar) and the Online Banking Terms and Conditions (Qatar) carefully.

By registering, activating and using your Mobile Payment through your Mobile Banking application, you will be considered to have accepted these Mobile Payment Terms and Conditions and will be bound by them.

In these Mobile Payment Terms and Conditions, the following definitions apply:

Alias means the username that you or the beneficiary of a Mobile Payment use for the purpose of the Mobile Payment;

Device Passcode means the passcode you use to access your Eligible Device;

Eligible Device means a smartphone, tablet or other device (as designated by us from time to time) with HSBC Mobile Banking application that includes Mobile Payment functionality (i.e. allowing Mobile Payment transactions);

Mobile Payment means the mobile payment service accessible on HSBC Mobile Banking application allowing you to make a payment online using an Eligible Device by inputting the beneficiary’s mobile number or Alias or by scanning a QR code;

Payment Account means any of your existing accounts (Current Account or Savings Account) or the Wallet Account that you shall use for the purpose of the Mobile Payment;

Wallet Account means the account that you shall open specifically for the use of the Mobile Payment which will be a non interest bearing account and no debit cards will be issued for this account.

If we use a capitalised word in these Mobile Payment Terms and Conditions which has not been defined herein, then that word shall have the meaning given to it in the HSBC Personal Banking General Terms and Conditions (Qatar) (the “General Terms”) or the Online Banking Terms and Conditions (Qatar) (the “Online Banking Terms”).

(a) These Mobile Payment Terms and Conditions apply when you register to and make payments through the Mobile Payment accessible on HSBC Mobile Banking application.

(b) These Mobile Payment Terms and Conditions supplement the General Terms and the Online Banking Terms and, together, they govern your Mobile Payment. If there is any inconsistency between the provisions of these Mobile Payment Terms and Conditions and the provisions of the General Terms and the Online Banking Terms, the provisions of these Mobile Payment Terms and Conditions will take precedence over any other terms between us and you in relation to your Mobile Payment.

(c) We may amend or rescind these Mobile Payment Terms and Conditions or stop or cancel the Mobile Payment by giving you 30 days’ notice by any method we deem appropriate including but not limited to registered post, courier, email, SMS, secure e-message via Personal Internet Banking, telephone, notices on our Website or notices in Branch.

(a) You are eligible to use Mobile Payment if:

- you are 18 years or older;

- you have an account with us whether it is a Sole Account or a Joint Account that you can operate yourself or you have applied for a Wallet Account for the use of Mobile Payment;

- you are registered to Online Banking and have access to HSBC Mobile Banking application;

- you have a valid Qatar mobile number registered in your name and updated in our banking records.

(b) You can register to Mobile Payment through HSBC Mobile Banking application by using your registered phone number. An Alias can then be added during the registration in order to be used to make or receive payments through Mobile Payment.

(c) After your register to Mobile Payment, we will send you an SMS on your mobile number registered with us to notify you that Mobile Payment has been activated.

(a) You may use Mobile Payment to make payments electronically by inputting the beneficiaries’ mobile number or Alias or by scanning a QR code provided that the beneficiaries of such payments have also subscribed to Mobile Payment with us or with any other bank providing Mobile Payment service.

(b) You will not be able to use Mobile Payment for payments which exceed (i) a certain amount per transaction and (ii) a certain limit per day. You should refer to our latest communication regarding eligible amounts and limits on our website www.hsbc.com.qa

(c) When you make a payment using Mobile Payment, (i) the amount and the associated fee (if any) will be immediately debited from the Payment Account and (ii) we will send you an SMS confirmation to your registered mobile number.

(d) Payments can only be made if there are sufficient funds in the Payment Account to cover the amount of the payment and the associated fee (if any) and the Payment Account has not been suspended, frozen or blocked. You will be immediately notified if we cannot process your request at the time of your submission.

(e) Once a payment is made, it cannot be stopped, cancelled or amended by you for any reason whatsoever. We may suspend or cancel a payment submission in accordance with the provisions under the General Terms.

(f) Mobile Payment is only available for payments to be made in Qatar using Qatar accounts.

(g) You will receive a separate monthly statement for your Mobile Payment transactions only if you have opened a Wallet Account specifically for the use of Mobile Payment.

(a) You acknowledge and accept the risk of incurring any loss which may arise from or in connection with unauthorized transactions made through Mobile Payment. You undertake to be liable for all transactions incurred using Mobile Payment whether or not the transactions were properly authorised by you. It is your responsibility to take security measures to protect the use of the Mobile Payment and Eligible Device. We recommend you safeguard your Eligible Device and keep it under your personal control at all times and take reasonable precautions to keep the security details relating to Mobile Payment and Eligible Device (including your Device Passcode, fingerprint and/or any other biometric credentials stored in your Eligible Device and/or any cloud storage platform) safe and to prevent loss, theft or fraudulent use.

(b) You must notify us straight away by contacting our call centre in case of loss, theft, unauthorized possession, control or use of your Eligible Device or if you believe someone else has used your Eligible Device or Mobile Payment in order to suspend Mobile Payment. You will be liable for all unauthorized Mobile Payment transactions made before we receive report of loss, theft, disclosure or unauthorized use of your Eligible Device or Mobile Payment.

(a) We will not be responsible for:

- any unauthorized transactions where you fail to take appropriate security measures including those provided in Clause 5;

- any inaccuracy or mistake in your instructions;

- any issue you might have with the beneficiary of a Mobile Payment transaction;

- payments not being processed due to insufficient funds in the Payment Account or where your Payment Account has been blocked, suspended or frozen by us.

(b) While we make reasonable efforts to provide HSBC Mobile Banking including Mobile Payment, 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, or any payment issues experienced with a third party bank.

 (a) Our Privacy Notice explains how we collect, use, disclose, transfer and store your information and sets out your rights to your information. We have provided our Privacy Notice to you separately and we will inform you when we make any changes to it. You can also find this at www.hsbc.com.qa or you can ask for a copy in branch.

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

(b) At the time of registration or when using Mobile Payment to process payments, HSBC Mobile Banking application may request permission to access the Eligible Device’s camera, contacts and gallery. You can decide to allow or deny such access.

(a) We may apply certain fees and charges for the use of Mobile Payment and in respect of the transactions executed through Mobile Payment. Such fees and charges may be viewed on the Tariff of Charges available on www.hsbc.com.qa.

(b) You authorise us to debit your Payment Account with any charges incurred in connection with your use of Mobile Payment.

(a) You may stop your use of Mobile Payment at any time by deactivating it from HSBC Mobile Banking application.

(b) We may suspend or terminate Mobile Payment at any time by giving you a 30 days’ notice by any method we deem appropriate including but not limited to registered post, courier, email, SMS, secure e-message via Personal Internet Banking, telephone, notices on our Website or notices in Branch.

(c) We may suspend or terminate Mobile Payment at any time without giving you a written notice if:

- a court or regulatory body asks us to do so;

- you have acted fraudulently or illegally;

- you have breached the General Terms or the Online Banking Terms;

- we have suspended, frozen or blocked any of your Accounts without any prior notice in accordance with our rights to do so under the General Terms;

- we become aware of any dispute in relation to the ownership or the operation of the Payment Account;

- we need to carry out maintenance and administration works;

- we deem necessary for any reason whatsoever including but not limited to a failure in the system, a suspected threat or any other technical problem.

We can provide notices to you concerning these Mobile Payment Terms and Conditions and the use of Mobile Payment by posting the materials on our website (www.hsbc.com.qa), through electronic notice given to any electronic mailbox we maintain for you or telephone number you provide to us, or by contacting you at the current address we have on file.

We have the right to vary these Mobile Payment Terms and Conditions from time to time. By agreeing to these Mobile Payment Terms and Conditions you are agreeing that we may change them at our discretion at any time in line with our General Terms and Online Banking Terms. You will be bound by a variation unless Mobile Payment is terminated by you and deactivated from HSBC Mobile Banking application in accordance with Clause 9 before the date on which that variation takes effect. We will use appropriate methods to update you about the changes which might include a notification online via our website.

These Mobile Card Terms and Conditions are governed by the laws of Qatar and in the event of a dispute between us, we both agree to submit to the exclusive jurisdiction of the courts of Qatar. These Mobile Payment Terms and Conditions are in English and Arabic and the Arabic will prevail in the event of a conflict.

If you have any questions or complaints about Mobile Payment, please visit our website (www.hsbc.com.qa).

Issued by HSBC Bank Middle East Limited Qatar Branch, P. O. Box 57, Doha, Qatar, regulated by Qatar Central Bank for the purposes of this promotion and lead regulated by the Dubai Financial Services Authority.

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