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HSBC Life (UK) Limited

Website Terms and Conditions

This document sets out the terms and conditions (‘Terms’) governing your use of this website (the ‘Site’). This Site is operated by HSBC Life (UK) Limited, a member of the HSBC Group and a wholly owned subsidiary of HSBC Bank plc.By accessing this Site, you agree to be bound by the Terms. Before using this Site, you should read the Terms carefully, as well as our Cookie Policy (‘Cookie Policy’) and Privacy Notice Overview.

These Terms cover your use of this site. All products and services provided by HSBC Life (UK) Limited have their own terms and conditions (the ‘Product Terms’). You must read both the Product Terms and these Terms. To the extent that the Product Terms conflict with these Terms then the Product Terms will prevail.

We may change the content or services found on our Site at any time without notice, and consequently the Terms may change at any time in the future.

HSBC Life (UK) Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Our Financial Services Register number is 133435 and our registered office is at: 8 Canada Square, London E14 5HQ. Registered in England number 00088695.
HSBC Life (UK) Limited is a member of the Association of British Insurers.

In these provisions:

‘Content’ means all pages, screens, information and materials included in or accessible through this Site (including any content available on any email or SMS services)

‘you’, ‘your’ and ‘yours’ means you, the person(s) accessing this Site and the party on whose behalf you are doing so

‘we’, ‘us’ and ‘our’ means  HSBC Life (UK) Limited

‘HSBC Group’ means HSBC Holdings plc, its subsidiaries and associated companies from time to time

Information not recommendation

Information or opinions contained on this Site do not constitute an offer to sell or a solicitation, or offer to buy, any securities or financial instruments or investment advice or any advice or recommendation in respect of such securities or other financial instruments. Should you seek to rely in any way whatsoever upon any content contained on this Site, you do so at your own risk. Before you make any decision or take any action that might affect you or your personal finances or business, you should always consult a suitably qualified professional adviser(s) to obtain appropriate financial, legal, accounting, tax and other advice.

Users of the site

This website is designed for use in the United Kingdom. The products and services represented within this website are intended for United Kingdom customers.

This website is provided by HSBC Life (UK) Limited. HSBC Life (UK) Limited is authorised in the United Kingdom by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

If you are outside of the United Kingdom, we may not be authorised to offer or provide you with the products and services available through this website in the country or region you are located or resident in.

This website is not intended for distribution or use by any person in any jurisdiction, country or region where the distribution or use of this material is restricted and would not be permitted by law or regulation. 

No warranties

The following clauses exclude or limit our legal liability for the Site. You should read them carefully. They all apply only as far as the law permits, and in particular we do not exclude or restrict our duties and liabilities to you under the FSMA 2000 (the “Act”), or the rules of the FCA for the conduct of business. While we have taken reasonable steps to ensure the accuracy, currency, availability correctness and completeness of the information contained on the Site, information is provided on an “as is”, “as available” basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Site is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the Site to the maximum extent permitted by law. We do not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.

Third party sites and endorsements

Where we provide hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any other websites or pages linked from or linking to this Site. We have not verified the content of any such websites. Following links to any other websites or pages shall be at your own risk and we shall not be responsible or liable for any damages or in other way in connection with linking. When you access or link to any other website, please read the terms and privacy notice issued by such other website to determine the policies that apply to information or data maintained by that website. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software. No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our Site.

Trademarks and copyright

Copyright in the pages screens, information and material in their arrangement included in this Site is owned by or licensed to HSBC Life (UK) unless otherwise noted. You may imprint, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you first get our written permission. In particular, no one may use a part of our Site on any other website, or link any other website to our Site, without our prior written permission.

Internet e-mail

Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to HSBC Life (UK) or any message sent by HSBC Life (UK)  to you over the Internet.

We maintain strict security standards and procedures to prevent unauthorised access to information about you. HSBC Life (UK) will never contact you by email or otherwise to ask you to validate personal information such as your user ID, password, or account numbers.

If you receive such a request, please let us know by calling our HSBC Life support team on 0333 207 5563 (Monday to Friday 9:00 to 5:30, excluding bank holidays)

Social Media

Any reference to HSBC Life (UK) in social media Unless stated otherwise, is intended for UK advisers and their clients.

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

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

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

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

Governing law

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

Your queries

If you wish to contact HSBC Life (UK), please refer to the Contact Us link which can be found on each page of the site. For more information on HSBC Life (UK) range of services go to  https://www.life.hsbc.co.uk/ and for more information on HSBC please go to https://www.hsbc.com

HSBC Life (UK) Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Our Financial Services Register number is 133435 and our registered office is at: 8 Canada Square, London E14 5HQ. Registered in England number 00088695.
HSBC Life (UK) Limited is a member of the Association of British Insurers.