WEBSITE TERMS AND CONDITIONS
About these Terms
These Terms and Conditions apply to HSBC Bank Middle East Limited's ("HBME") HSBC Internet Banking Services. These Terms and Conditions operate in conjunction with the General Terms and Conditions for the Operation of Accounts and Electronic Banking Service, applicable to Account(s) you access using these services including the opening of any new accounts. If there is an inconsistency, these Terms and Conditions prevail.
Please read these Terms and Conditions before using these services. If you do not understand any part of them, or if you have any questions, please speak with a staff member at any HBME branch or call HBME's Contact Centre on 0800 22044 (within Jordan) or (9714) 2288007 (outside Jordan).
"Account(s)" means account(s) you have with HBME operable through its branches in Jordan, which HBME has determined, is accessible by the Service, including any new accounts opened.
"Account Holder" means a person who has entered into a contract with HBME for the Service who has an Account in their own name or a joint Account in respect of which HBME may act on the instructions of any one or more of them.
"JOD" means the Jordanian Dinar.
"Banking Day" means any day on which banks in Jordan are open for business.
"HBME" means HSBC Bank Middle East Limited, Post Office Box 925286 Amman 11190, Jordan operating through its branches in Jordan.
"Instruction" means any request or instruction to HBME which is effected through the Service by use of a PBN "Personal Banking Number" and Password.
"Internet Banking Service" means the service that HBME makes available through the internet network to enable the electronic receipt and transmission of information and Instructions (including in relation to an Account).
"Payment Cut-Off Time" means:
(i) In relation to a JOD payment being made to another bank, 02.00-p.m. Jordan time.
(ii) In relation to a payment made in any currency to an Account within HBME- Jordan is effected immediately.
(iii) For payments in a currency other than JOD, the cut-off times may vary (please refer to HBME's Cut-Off Times for further information).
"Internet Banking ID/ Personal /Electronic Banking Number" means your 5-76 digits Internet Banking ID by which HBME identifies you.
"PIN" means your six digit Personal Identification number supplied to you by HBME for acessing the Phone Banking Service.
When you first register for internet banking service, you will use Phone Banking Number and the existing 6-digit Phone Banking PIN, or ATM Card Number and the ATM PIN, or Credit Card Number and the Credit Card PIN, for registration.
You will then be required to create a new user ID / Internet Banking ID (5-76 characters), select a Memorable Question and Answer (6-30 characters) and then select a Password (8-30 characters).
Corporate customers will receive a token ID as their password.
"Service" means the HSBC Internet Banking Service.
"Telephone Banking Service" means the Telephone Instruction and information service made available by HBME's Call Centre twenty-four (24) hours, seven days a week every day of the year.
"Terms" mean these terms and conditions, as amended from time to time.
"You" means an Account Holder who has accepted these Terms and "your" has a corresponding meaning.
When you use the Service, you accept these Terms.
If you have previously used the Service, your first use of the Service after publication of these Terms indicates your acceptance of them.
Using the Service
This Service can be used to:
Obtain the balance of any Account, transfer funds to or from any Account, view your accounts, make standing order payments in relation to any Account and update your personal details held by HBME for any Account.
"Make a payment transfer from any Account to another person's account with HBME within the Jordan or another financial institution which includes the foreign branches of HBME or to another account you hold with another financial institution provided that the aggregate amount of such payments on any day is JOD 10,000 or less."
Place orders for the purchase or sale of foreign currency provided that the currency purchased is to be transferred between Accounts. If placing orders for the purchase or sale of a foreign currency involving an equivalent amount of JOD 50,000 or more, any rates provided will be indicative only. The rate of exchange to be applied will be the applicable rate in force at the date and time at which the relevant transaction is processed by HBME.
Receive and send secure e-mail messages from and to HBME
Obtain e-Statements and e-Advices
Opening new accounts
If you give an Instruction on a Banking Day to make a payment from an Account after the Payment Cut-off Time it may be processed on the next Banking Day.
If you give an Instruction to make a payment between any Accounts with HBME Jordan it will be affected instantly.
If you give an Instruction to make a Jordanian Dinar transfer to any account not held with HBME either after the Payment Cut-off Time or on any day which is not a Banking Day it will not be made until the next Banking Day.
If you give an Instruction to transfer a currency (other than JOD) 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 banking day in Jordan, the country of the beneficiary account and the center for the relevant currency.
HSBC Jordan does not offer financial services or products through its use and operation of the www.hsbc.jo portal, or gateway. 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 any jurisdiction where Jordan is not licensed or authorised www.hsbc.jo to perform such activities (hereinafter the “Authorised Countries”).
Not all the products and services that you may be able to view via this Site may be available in all geographical locations served by HSBC Group members. You should access only the Local Site(s) associated with your country of residence (“Your Local Site”). If you own products that are not discussed on Your Local Site, information about such products may be accessible on this or another HSBC website. Products and services discussed outside Your Local Site may not be available in your jurisdiction of residence or in the Authorised Countries and may not be appropriate for you. It is the responsibility of any persons accessing this Site and any information available through this Site to inform himself or herself of and to observe fully the applicable laws and regulations of any relevant jurisdiction. HSBC Group members may decline to provide you with products and services solely based on your country of residence.
Products discussed on this Site may not have been registered or authorized 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. You acknowledge that your use of this Site and any requests for information you have made as a result of visiting this Site have not been solicited by HSBC Jordan 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."
Secure Email Messages
a. If we make this facility available to you, you may send us and we may send you secure e-messages over the Internet Banking Service.
b. If you send us a message we will aim to respond to you within two working days by email or by telephone as confirmation of receipt of your message. If this is not possible or we are not willing to answer your query or comply with your request within this timescale or at all we will aim to let you know this within two working days. No request will be implemented until we have first sent you a message as confirmation. Please be aware that once you have sent a request we may not be able to reverse it before it is implemented.
c. You must not send us messages:-
i) in relation to matters for which there is a specific functionality on the Internet Banking Service e.g. to notify us of a change to your address or to make a payment;
ii) which require immediate attention (please telephone us instead);
iii) which are requests of a transactional nature e.g. share dealing or fund management instructions;
iv) reporting the loss or theft of cheques and/or cheque or credit cards (please telephone us instead);
v) which are offensive, frivolous or otherwise inappropriate.
If you do so we may at our absolute discretion remove the "Email" facility or terminate your use of the service in accordance with clause 21(g) below.
d. Under no circumstances should any message sent by us 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 status and terms and conditions.
E-Statements and E-Advices
Upon registration for Internet Banking, you will be automatically subscribed to the e-Statements/e-Advices service for your Account(s) where your statements and advices will be sent to you electronically. On statement due date, you will receive a message informing you that your statement is available. You will need Acrobat Reader (version 4.0 or above) to view, save or print your statement. In the event that you do not have this software on your PC, you may download it free of charge from www.adobe.com. If you prefer the traditional method of us mailing paper statements to you, you may de-select the e-Statement option.
For joint accounts, if all account holders are registered for Internet Banking, then e-Statements will be sent. If any party to a joint account has not registered for Internet Banking or if any party de-selects the e-Statement option, paper statements will be sent.
Should you choose to activate the E-Advice service, you will receive your transaction advices electronically through internet banking. Your paper advices & statements will cease to be sent to you.
Access to the Service
You agree that any person who supplies HBME with your PBN and Password may be allowed access to the Service and to your Account.
You agree that HBME may delay acting upon an Instruction or ask for more information before acting on an Instruction.
HBME may specify limits on transaction types and values in respect of certain Accounts or the Service and may refuse to act on an Instruction if a transaction exceeds a particular limit. Please refer to Frequently Asked Questions and Help text under 'Transfer' option for details of limits governing the Service.
Where HBME 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.
HBME may reset your PBN or Password at any time, by notifying you in writing. You may change your Password at any time.
Security of your PBN and Password
You must keep your PBN and Password secure and take steps to prevent unauthorised use of them. You must not tell or disclose them to another person or allow them to be seen by another person (including 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 which represents your birthdate or a recognizable part of your name.
HBME may from time to time provide guidelines for ensuring the security of a Password or PBN. 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 clause 12 below.
What to do if your PBN or Password is lost or stolen or otherwise compromised
You must notify HBME immediately if a record of your PBN and/or Password is lost or stolen or you become aware or suspect another person knows your PBN or Password or has made unauthorised use of the Service.
You should notify HBME in Jordan by calling our Call Centre on 0800 22044 (Jordan) or (9714) 2288007 (outside Jordan) at any time. HBME will then cancel your Password and arrange for you to select a new one.
HBME may cancel a PBN or Password at any time without notice if it believes either is being misused.
You agree that HBME 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.
Records and statements
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 HBME immediately by calling our Call Centre on 0800 22044 (Jordan) or (9714) 2288007 (outside Jordan) .Failure to do so may render you liable for unauthorised transaction which you may not otherwise be liable for.
Our records, unless proven to be wrong, will be evidence of your dealings with HBME in connection with the Service.
For Non-Insurance Based Products:
The values shown for your non - insurance based products are based on the details of your investments held in our records and will not have been adjusted to reflect any sales or purchases made by you directly. We have no liability or responsibility for any inaccurate or incorrect information provided by any third party.
For Insurance Based Products:
Your investments in insurance based products are quoted at the investment value as at the purchase date. The figures shown are the aggregate amounts invested by you and NOT the current value of your investments.
Liability for Unauthorised Transactions
You will be liable for any loss of funds arising from any unauthorised transaction on your Account if the loss occurs before you notify HBME that your PBN or Password has been misused, lost or stolen or become known to someone else and if you contribute to the loss because:
a. your fraud, your failure to look after and keep your Password or PBN secure in accordance with clause 9 or your extreme carelessness in failing to protect their security is the dominant cause of your loss; or
b. your unreasonable delay in notifying HBME of the misuse, loss or theft of your PBN or Password or of them becoming known to someone else and the loss occurs between the time you did, or should reasonably have, become aware of these matters and the time you notify HBME.
However, your liability will not exceed the lesser of:
c. the credit balance of the Account plus any pre-arranged credit limit; or
d. the amount you are able to withdraw from your Account on the day the unauthorised transaction takes place.
You will not be liable for losses which are incurred:
e. before you have received your PBN and/or Password;
f. if the transaction occurs after you notify HBME that your PBN or Password has been misused, lost or stolen or become known to someone else;
g. that is caused by the fraudulent or negligent action of HBME's employees or agents, of companies involved in networking arrangements for the electronic transfer of funds or of merchants linked to that system, their employees or agents;
h. that is related to an access method (including a Password or PBN) which is expired, cancelled, faulty or forged;
i. that is caused by the same transaction being incorrectly debited more than once to the same Account.
Subject to clause 11 and to the extent permitted by law HBME 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, except where it is because of gross negligence or willful default on the part of HBME or breach of a condition or warranty implied by statute in contracts for the supply of goods and services and which cannot be excluded, modified or restricted.
HBME's liability for breach of any such non-excludable rights is limited, at the option of HBME, to the supply of the services again, or to the payment of the cost of having the services supplied again.
You will be liable for and agree to indemnify HBME against any loss or damage HBME may suffer because you did not observe your obligations under these Terms 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 the terms and to observe all the security tips. The use of the Internet is subject to other risks which are not of a security nature described above 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 such losses.
If you have a concern with the Service please contact HBME by calling 080022044 (Jordan) or (9714) 2288007 (outside Jordan). HBME will try to resolve your query as soon as possible; however some problems are complicated and may take time to resolve.
HBME will investigate your complaint, and within 21 days of receiving your complaint write to you explaining the outcome of its investigation or, if more time is needed, how the problem will be handled and when you can expect a reply. Except where HBME is awaiting a response from you, it will provide you with monthly updates on its progress should the investigation take longer than 45 days to complete.
When HBME notifies you of the result, it will also advise you of the reasons for its decision. If your Account is found to have been incorrectly credited or debited, HBME will adjust your Account in accordance with the law and notify you of this. If you are not satisfied with the decision, you may wish to take the matter further.
You authorise us to pass information about you and your Accounts to other members of the HSBC group and third parties through and in various countries and territories, including the UK for the provision of the Service. Such information will be processed in accordance with our instructions.
HBME is a member of the HSBC Group of Companies, one of the world's largest Banking and Financial Services organizations. The HSBC Group comprises HSBC Holdings PLC, its subsidiaries, including HSBC Bank Middle East Limited, and associated companies and their various departments and businesses. HBME may share information about an Account Holder with other members of the HSBC Group of Companies or third parties as detailed in the Privacy and Security Statement.
Changes to these Terms
HBME reserves the right to change these Terms and any other information it has issued about the Service at any time. If HBME introduces a new fee or charge, increases your liability for losses or adjusts any periodic transaction limits you will be given at least 30 days notice by such method as HBME shall decide. Notice of any other change will be given in writing (for example on Account Statements or on our Web Site) or by an advertisement appearing in the press no later than the date on which the change takes place.
Fees and Charges
If you use the Service to effect a transaction you may incur a fee on the Account you access. The fees and charges payable in respect of transactions are those detailed in HBME's Fees and Charges and are shown in our branches (at the time the relevant transaction is undertaken).
From time to time HBME may advertise its own products or services and those of other companies in the HSBC Group of Companies on the website through which you access the Service. If, in relation to other agreements between you and HBME, 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 HBME's internet website and/or Service.
Security of Internet Banking
HBME 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.
You agree not to interfere with or damage (or attempt to interfere with or damage) any PBN, Password, data or software associated with the Service.
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.
You can, and are required to pursuant to our Terms for registering for the Service, protect yourself against some of the security risks by ensuring that you do not in any circumstances disclose your Internet Banking ID and/or Password to anyone. Please note that HSBC will never ask for such information.
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.
Apart from the above risks, we also wish to advise that 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 requests or transactions may not be carried out within the time frames anticipated
No one at HSBC will ever ask you for your Internet banking password. If someone does ever ask you for it - they do not represent HSBC!
Scam Emails are a method that are used by fraudulent persons to obtain details of your User IDs and Passwords. Recently customers of other Financial Institutions were targeted using this method. 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.
Do not respond to emails asking for secure information. HSBC does not use E-mail communication to convey or seek information of a sensitive nature such as customer user IDs, passwords or confirmation of personal details.
On occasion, we may send e-mails promoting our products and services. You can respond to these but you do not have to key in passwords for such responses
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 disclosed your security details please contact our Call Centre immediately on 0800 22044 (Jordan) or (9714) 2288007 (outside Jordan).
Recording Telephone Calls
HBME may record telephone calls made to HBME's Call Centre for transaction verification and quality control training purposes.
You may stop your use of the Service at any time by giving written notice to HBME.
HBME may terminate the Service at any time by giving you a written notice.
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 may not be effected by HBME.
Our agreement with you on these Terms and the transactions carried out under it are governed by the law in force in Amman, Jordan. Both you and HBME submit to the non-exclusive jurisdiction of the courts of Amman in respect of any dispute