Disclaimers | HSBC Expat

Important information for clients maintaining assets in a country outside their primary country of residence.

Please read the following carefully as it contains important information governing any electronic communications, including attachments thereto, between you and HSBC Group and its affiliates.

Unless specifically stated in the message or otherwise indicated, you may not duplicate, redistribute or forward this message or any portion thereof, including any attachments, by any means to any other person.

Unless otherwise specifically indicated, the contents of any electronic communication (including e-mail, instant message, text messaging, etc.) and its attachments are for informational purposes only, and should not be regarded as an offer or solicitation to buy or sell a product or service.

Electronic communications are not intended for distribution to, or use by, any person or entity in any location where such distribution or use would be contrary to law or regulation, or which would subject any HSBC affiliate to any registration requirement within such location. HSBC does not waive any intellectual property rights in any electronic communication.

References to "HSBC" are references to any company in the HSBC group of companies. An electronic communication may relate to or be sent from other members of HSBC.

Disclosure Information for clients based in:

All countries:

HSBC Expat is a division of HSBC Bank plc, Jersey Branch.

HSBC Bank plc, is registered in England and Wales number 14259. Registered office 8 Canada Square, London, E14 5HQ.

All applications are subject to acceptance by us. The account opening process will only be completed once the application has been reviewed and accepted by HSBC Expat in Jersey.

Bahrain:

When providing Contractual Documents:

The Bank or HSBC Expat licensed in Jersey hereby confirms that it is not licensed, supervised or regulated by the Central Bank of Bahrain nor are any of its products and/or services approved or registered with the Central Bank of Bahrain. Any and all services to be provided by the Bank HSBC Expat shall be provided outside of Bahrain.

This communication is sent to the addressee for his / her information only and is not intended to be distributed to the general public in the addressee's country of residence. The addressee notes, acknowledges and understands that the addresser established in the addresser's country of residence is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision or regulation by the local regulator at the addressee's country of residence. None of the products and services of the addresser have been approved or registered with the local regulator.

Brazil:

The present communication is intended to be received by its addressee only and does not, in any manner, constitute a public offering or advertisement of the products or services referred to herein. The addresser established in Brazil is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision of the local regulator in the addressee's country of residence. None of the products and services of the addresser have been approved by or registered with the local regulator and the assets of the addressee are booked outside of the addressee’s country of residence.

Canada:

Please note:

Contracts and forms signed in Canada are not valid until accepted and approved by HSBC Expat outside of Canada;

Acceptance and approval will be communicated by post (subject to the standard correspondence instructions); and

Any oral agreements will be conclusively binding upon written acceptance by HSBC Expat outside of Canada, a confirmation of which will be sent by post (subject to the standard correspondence instructions).

Any information transmitted by the bank does not construe an offer by the Bank to enter into an agreement.

China:

When sending servicing documentation only:

This bank documentation has been sent at your request. It does not constitute an offer and the contract will only be concluded by acceptance of this documentation outside of China.

Chile:

The present communication is intended to be received by its addressee only and does not, in any manner, constitute a public offering or advertisement of the products or services referred to herein. The addresser established in Chile is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision of the local regulator in the addressee's country of residence. None of the products and services of the addresser have been approved by or registered with the local regulator and the assets of the addressee are booked outside of the addressee’s country of residence.

Egypt:

When providing Information in writing for bank accounts and lending:

The present communication is intended to be received by its addressee only and does not, in any manner, constitute a public offering or advertisement of the products or services referred to herein. The addresser established in the addresser’s country of residence is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision of the local regulator in the addressee's country of residence. None of the products and services of the addresser have been approved or registered with the local regulator and the assets of the addressee are booked outside of the addressee’s country of residence.

When providing Information in writing for Investment Accounts/Services:

The securities or other investment products referred to in this communication or in connection with this communication are not listed on the Egyptian Stock Exchange (“EGX”) or offered or sold to the public in Egypt and they have not been and will not be registered with the Financial Regulatory Authority (“FRA”). No offer, sale or delivery of such securities or other investment product, or distribution of any prospectus relating thereto, may be made in or from Egypt except in compliance with any applicable Egyptian laws and regulations. The securities may not be offered or sold in any form of general solicitation or general advertising or in a public offering in Egypt, without the prior approval of the FRA.

Hong Kong:

When providing Information in writing on Bank Accounts and Lending:

We HSBC Expat are not an authorized institution under the Hong Kong Banking Ordinance and are therefore not subject to the supervision of the Hong Kong Monetary Authority. The information we are providing you with is provided at your request and does not constitute an advertisement or invitation by us to you to make a deposit or an invitation or offer to enter into any agreement to make a deposit.

This bank documentation/information does not constitute an offer by HSBC Expat and this contract will only be concluded by acceptance of this documentation/your application in the territory of Hong Kong.

When providing Information in writing for Investment Accounts/Services:

The present communication is made following the addressee’s specific request without any prior solicitation with respect to the information provided in the communication. This communication is sent to the addressee for his / her information only and is not intended to be distributed to the general public at the addressee’s country of residence.

The information contained in this communication or in connection with this communication does not, and is not intended to constitute or form a part of any offer, invitation to offer or solicitation to subscribe, purchase or sell any security or other investment products or investment services, nor does it constitute or form part of any recommendation by the addresser, to subscribe, purchase or sell any security or other investment products or investment services. The information contained in this communication does also not constitute an invitation to enter into a transaction and for the avoidance of doubt, any information or documents provided in connection hereto shall not be construed as such.

This communication is not intended to provide and should not be relied upon for tax, legal or accounting advice or investment recommendations. The addressee of this communication should consult his / her tax, legal, accounting or other advisers (as appropriate) about the content discussed and assess the relevant terms contained in this communication. The addressee should make his / her own research of the relevant terms in the material and it is up to the addressee to make a decision whether to act upon the material or not.

This communication has not been reviewed, authorised or approved by the regulatory authority of the addressee’s country of residence. The addressee is not authorized to deliver, circulate, or distribute this document, or any other documents and materials in connection with a transaction, whether directly or indirectly, electronically or otherwise, to the general public or to any particular members of the public in the addressee’s country of residence.

When providing Account Opening Documentation:

The present agreement will be concluded and, therefore, come into effect, upon the acceptance and signature by HSBC Expat’s representative(s) at its domicile.

India:

Please note:

This communication is made upon your specific request;

You were not solicited with respect to the product mentioned in this communication; and

It is up to you to make a decision whether to act upon it or not.

Indonesia:

Please note that the Bank is not licensed for any financial business activities in Indonesia and, therefore, is not allowed to conduct any banking/securities business in Indonesia. This transaction was made upon your specific request and you were not solicited to take this action.

Japan:

Please note that the Bank is not licensed for any financial business activities in Japan and, therefore, is not allowed to conduct any banking/securities business in Japan. This transaction was made upon your specific request and you were not solicited to take this action.

Kuwait:

The present communication is intended to be received by its addressee only and does not, in any manner, constitute a public offering or advertisement of the products or services referred to herein. The addresser established in Jersey is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision of the local regulator in the addressee's country of residence. None of the products and services of the addresser have been approved by or registered with the local regulator and the assets of the addressee are booked outside of the addressee's country of residence.

Lebanon:

This information is provided at your request. If you are entering into a new contractual agreement, this will only be completed on acceptance by HSBC of any contractual documentation and instructions pursuant to the contract outside of the Lebanon. HSBC Bank plc, Jersey Branch is not a financial institution licensed in the Lebanon.

Malaysia:

When sending documentation for signature, for Banking or Insurance Services

The present communication is made following the addressee's specific request. The addresser has not solicited the addressee or otherwise offered or marketed to the addressee the products and services to which this communication refers. This communication is sent to the addressee for his / her information only and is not intended to be distributed to the general public in the addressee’s country of residence. The addressee notes, acknowledges and understands that the addresser established in Malaysia is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision or regulation by the local regulator at the addressee's country of residence. None of the products and services of the addresser have been approved or registered with the local regulator.

When sending documentation for signature, for Investment Products and Services:

This communication is not intended to provide and should not be relied upon for tax, legal or accounting advice or investment recommendations. The addressee of this communication should consult his / her tax, legal, accounting or other advisers (as appropriate) about the content discussed and assess the relevant terms contained in this communication. The addressee should make his/her own research of the relevant terms in the material and it is up to the addressee to make a decision whether to act upon the material or not.

This communication has not been reviewed, authorised or approved by the regulatory authority of the addressee’s country of residence. The addressee is not authorised to deliver, circulate, or distribute this document, or any other documents and materials in connection with a transaction, whether directly or indirectly, electronically or otherwise, to the general public or to any particular members of the public in the addressee’s country of residence.

Mexico:

This message is intended for the addressee only and does not constitute a 'public offering'.

Portugal:

All services and products are provided from HSBC Expat incorporated in Jersey, Channel Islands.

Qatar:

Any products or services made available to you to do not constitute an offer or a recommendation and should not be considered an invitation or inducement to engage in banking or investment activity or any offer to buy or sell financial products or instruments.

Products and services made available to you are not governed by the Qatar Central Bank and all assets are booked outside of Qatar.

The contract or agreement does not come into effect until received and accepted by HSBC Expat.

Singapore:

This communication does not constitute an offer by the Bank to make available, solicit, issue an invitation to purchase or offer for purchase any securities or offer any services in Singapore.

Sri Lanka:

When providing information on banking or lending products:

When providing information on investment products and/or services:

The bank is not licensed by the Monetary Board of the Central Bank of Sri Lanka. This information is provided at your request and does not constitute an offer or invitation to make a deposit or enter into any agreement with you. We understand that you are exempt from foreign exchange restrictions and have not violated the Foreign Exchange Act by placing any investment orders.

Thailand:

The present communication is made following the addressee's specific request. The addresser has not solicited the addressee or otherwise offered or marketed to the addressee the products and services to which this communication refers. This communication is sent to the addressee for his / her information only and is not intended to be distributed to the general public in the addressee’s country of residence. The addressee notes, acknowledges and understands that the addresser established in Thailand is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision or regulation by the local regulator at the addressee's country of residence. None of the products and services of the addresser have been approved or registered with the local regulator.

Türkiye:

No information is provided for the purpose of offering, marketing and sale by any means of any banking services and/or capital market instruments/services in the Republic of Turkey. Therefore any information provided may not be considered as an offer made or to be made to residents of the Republic of Turkey.

HSBC Expat products and services are not products or services authorised/approved by the Banking Regulation and Supervision Agency under the Banking Law (Law No. 5411) or by the Capital Market Board under the Capital Market Law (Law No. 6362) and do not intend to serve as products /services in the Republic of Turkey. Accordingly, neither this website nor any other material related to the offering may be utilised in connection with any offering to the public within the Republic of Turkey without the prior approval of the Capital Market Board. However, pursuant to Article 15 (d) (ii) of the Decree No. 32 there is no restriction on the purchase or sale of the product/service by residents of the Republic of Turkey, provided that: they purchase or sell such product/service in the financial markets outside of the Republic of Turkey.

The investment information, comments and recommendations we may provide to you are not within the scope of investment advice. Such recommendations are of a general nature, and are not prepared in accordance with your financial status and risk and income preferences. Therefore, taking investment decisions based only on the information stated herein may not give any results meeting your expectations.

UAE:

This information is provided at your request and does not constitute an offer or invitation by us to make a deposit or enter into any agreement with you. If you are entering into a new contractual agreement, this will only be completed on acceptance by HSBC Expat of any contractual documentation outside the UAE. HSBC Expat is not a financial institution licensed in the UAE.

United Kingdom:

The deposit is being taken by HSBC Expat, registered/incorporated in Jersey, and whose principal place of business is in Jersey. HSBC Expat is regulated for any deposit taking business by Jersey Financial Services Commission. If you have a complaint about our deposit taking business, which cannot be resolved to your satisfaction by ourselves, then you may be able to refer this to Channel Islands Financial ombudsman. Your deposit may be guaranteed under the Deposit-Protection scheme which covers most type's deposit-taking business in the instance that we cannot meet our obligations. Full details of the Scheme and banking groups covered are available on the States of Jersey website www.gov.je/dcs, or on request.

HSBC Expat has paid up capital and reserves which exceed £250,000,000.

Venezuela:

The present communication is intended to be received by the recipient only and does not, in any manner, constitute a public offering or advertisement of the products or services referred to herein. HSBC Expat is not licensed under the laws of Venezuela and is, therefore, not subject to supervision of the local regulators. None of the products and services of HSBC Expat have been approved by or registered with the local regulator and the assets of the recipient are booked outside of Venezuela.