About Us
About Our Website
Website Terms and Conditions
Privacy Statement
Terms of Business for Intermediary Agencies
Product Terms and Conditions
About Us
The HSBC Workplace Retirement Services website is provided by HSBC Life (UK) Limited.
HSBC Life (UK) Limited is authorised and regulated by the Financial Services Authority (registration number 133435) and is a member of the Association of British Insurers.
Registered Office: 8 Canada Square, London E14 5HQ.
Registered in England (United Kingdom) number 88695.
HSBC Life (UK) Limited is a wholly owned subsidiary of HSBC Bank plc a member of the HSBC Group.
Find out more about the HSBC Group and our products and services available around the world.
Contacting Us
Should you wish to contact HSBC Life (UK) Limited please use the Contact Us function on this website. To ensure that we carry out your instructions accurately, to help us continually improve our service to you and in the interests of security, we may monitor and/or record your telephone calls with us.
If you have a complaint please use the Contact Us function on this website. We will endeavour to resolve your concerns and put matters right.
We may use any contact details you have provided to us, including your postal address, telephone number(s) (including your mobile telephone number) and email address to contact you for service related reasons. You should only give us your telephone number(s) or email address if you are happy for us to contact you in this way. Remember emails or text messages may contain confidential information and if anyone else has access to your email or telephone number they may be able to view this. If, at any time, you want us to stop contacting you via a particular channel you should let us know.
If you have agreed, we may also share your information, including your name and address details, with other members of the HSBC Group so that we and other members of the HSBC Group can keep you informed by telephone, email, mobile messaging and other means of special offers that you may be entitled to and products and services available from the HSBC Group (and those of selected third parties) which we believe may be of interest to you. If you would prefer us not to do so please contact the Business Support Team (see Contact Us details).
For more information about how we will use your personal data once you apply for a product or service please read the relevant product literature. Registered users of the Site should also read including the section titled "Data Protection Act 1998" in the Terms of Business for Intermediary Agencies.
Our Terms and Conditions
Our terms and conditions and our dealings with you are governed by the laws of England and Wales. We are required by law to tell you that the terms and conditions are in English and that we will communicate with you in English. For further information and written details about our products and services please use the Contact Us function on this website. We reserve the right to decline applications for any product, account or service.
About Our Website
The information on this site is based on our understanding of current law, regulation and HM Revenue & Customs practice at the time of going to press. Future changes in law, regulation, tax levels or HMRC practice could affect the information on this website.
The material on this website is addressed only to the UK market and is not intended for persons in other jurisdictions.
All accounts, products and services are offered only in jurisdictions where and when they may be lawfully offered and the material on this website is not intended for use by persons located in or resident in jurisdictions which restrict the distribution of this information by us. Persons accessing this website are required to inform themselves about and observe any relevant restrictions.
Nothing on this website constitutes an offer to sell or solicitation to buy any securities, financial instruments, products, accounts or services or any advice or recommendation regarding them.
For more information about how our website operates and our privacy policy please read our Website Terms and our Privacy Statement.
Website Terms and Conditions
Please read the details set out below carefully before using this website (the "Site"). By accessing this Site, you agree to be bound by the following terms and conditions and disclaimers (the "Terms").
References to 'you', 'your' and 'yours' are references to the person(s) accessing the Site.
References to 'we', 'us' and 'our' are references to HSBC Life (UK) Limited.
References to the 'HSBC Group' are references to HSBC Holdings plc, its subsidiaries and associated companies.
Terms
All our products and services and those of other members of the HSBC Group are subject to the terms and conditions and disclaimers of the applicable agreement governing their use.
These Terms are to be read by you together with any terms, conditions and disclaimers provided in the pages of the Site. In the event of any conflict, the terms, conditions and disclaimers provided in the pages of the Site shall prevail over these Terms.
The information, material and content provided in the pages of the Site may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly and your continued access to or use of the Site will mean that you agree to any changes.
Security
Registration with this Site is for our approved users only. When you register with this Site, you must provide accurate and complete information and update such information when necessary, so it remains accurate and complete. When you register and are accepted as a registered user of this Site, you will choose a unique user name and password and/ or other identification data.
Please use maximum caution to keep your user name, password and other identification data confidential, and log off from the Site when your session is complete to prevent unauthorised access to your information. If your user name, password or other identification data is subject to unauthorised access, you should immediately Contact Us.
If you fail to tell us of any threat or potential threat to the security of your username and password and/or other identification data or any of your clients' usernames, passwords and/or other identification data, and transactions are performed on any of your clients' portfolios, HSBC will not accept liability for any loss you or your clients may suffer as a result of the unauthorised transaction.
No offer
Neither the information, nor any opinion contained in our Site constitutes an offer to sell or solicitation or an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments.
Users
The Site is currently intended for those who access it from within the United Kingdom. Because of this we cannot guarantee that the Site or the information thereon complies with or is appropriate for use in other places.
You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms.
The Site is not intended for use by minors.
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 Financial Services and Markets Act 2000 (the "Act"), or the rules of the Financial Services Authority ("FSA") for the conduct of business.
Whilst 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 warranties
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 to 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. 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 licence 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.
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 the Bank or any message sent by the Bank to you over the Internet.
Trade marks 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) Limited 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.
HSBC and the 'hexagon' are trade marks of HSBC Holdings plc and all rights in and to such marks vest in HSBC Holdings plc. Other than as provided above you may not use or reproduce any trade marks, logos or brand names of the HSBC Group.
Data protection
We may as a result of your interaction with the Site hold and process personal information obtained about you when you access the Site and use it for making decisions and servicing our relationship with you, for the purposes of fraud prevention and debt collection, to conduct our business and to provide you with better customer services and products from both within the HSBC Group of Companies and those of selected third parties, to evaluate the effectiveness of our marketing of the Site and for statistical analysis. We may pass this information to other members of the HSBC Group of Companies or agents, as permitted by law so that they may do the same and they may pass information held by them about you to us so that we may do the same. We will not disclose any such information outside of the HSBC Group of Companies except for fraud prevention purposes and/or if required/obliged by law or Governmental or judicial bodies or agencies or to our regulators under proper authority, or under a strict code of secrecy to sub-contractors or persons acting as our agents or where we have your consent or have previously informed you.
We may also in connection with the above and the provision of the Site transfer your personal data to countries outside the European Union (EU) which may not provide the same level of protection for personal data as within the EU. However, all personal data wherever it is held in the HSBC Group or by its sub-contractors or agents will be afforded a high level of protection against any authorised or accidental disclosure, access or deletion. By agreeing to these Terms you agree to such data being so used and that it may be transmitted to others as stated above.
Under data protection legislation, you can ask in writing for a copy of certain personal records we hold about you. We may make a charge for this service.
To help us to continually improve our service and in the interests of security, we may monitor and/or record your telephone calls with us.
You should also read our Privacy Statement.
Your use of the Site
You may not use the Site for any purpose which is unlawful, abusive, libellous, obscene or threatening.
Only users approved by us are permitted access to password protected sections of the Site.
We reserve the right at any time to immediately suspend or terminate the provision of all or any part of this Site to you and/or block your access to this Site without notice to you.
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.
Privacy Statement
Privacy
We know that you are concerned with how your personal and financial information is dealt with. This privacy statement sets out our current policies and demonstrates our commitment to your financial privacy. We may change the content or services found on our website at any time without notice, and consequently our privacy policy may change at any time in the future. You agree to revisit this page regularly and your continued access to or use of the website will mean that you agree to the changes.
Personal Information
If you register to use the password-protected portions of the website, we will ask you to provide us with certain up to date data about yourself, which we will handle in accordance with the United Kingdom's Data Protection legislation. We maintain strict security standards and procedures with a view to preventing unauthorised access to your data by anyone, including our staff. We use leading technologies such as (but not limited to) data encryption, firewalls and server authentication to protect the security of your data. All Group companies, all our staff and whenever we hire third parties to provide support services, we will require them to observe our privacy standards and to allow us to audit them for compliance.
Third Parties
HSBC works with third parties to research certain usage and activities on our website on our behalf. No personal information about you is shared, however in the course of conducting this research these third parties may place a unique 'cookie' on your browser.
Cookies
This website, along with most other major websites, use cookies. Cookies are pieces of information that a website transfers to the cookie file on your computer's hard disk. Cookies enable users to navigate around the website and (where appropriate) enable us to tailor the content to fit the needs of visitors who have accessed the site.
We use two types of cookie on our website.
Session cookies are temporary cookies that remain in the cookie file of your computer until you close your browser at which point they are deleted. When you log on to the site again, a new cookie is generated.
Persistent or stored cookies that remain permanently on the cookie file of your computer.
Cookies cannot look into your computer and obtain information about you or your family or read any material kept on your hard drive. If you are logged onto the site, cookies will be used to identify who you are.
Cookies cannot be used by anyone else who has access to the computer to find out anything about you, other than the fact that someone using the computer has visited a certain website. Cookies do not in any way compromise the security of your account.
Cookies will not be used to contact you for marketing purposes.
Cookies may be used to record details of pages relating to particular products and services that you have visited on our websites. This is to provide us with generic usage statistics to allow us to improve our websites and to provide you with information about products and services that may interest you. Information on products and services may be provided via the website or by other means.
This does not affect your right to opt-out from receiving marketing material from us.
The web browsers of most computers are initially set up to accept cookies. If you prefer, you can set your web browser to disable cookies or to inform you when a website is attempting to add a cookie. You can also delete cookies that have previously been added to your computer's cookie file.
You can set your browser to disable persistent cookies and/or session cookies but if you disable session cookies you may not be able to log on to your account.
If the computer that you are using is set to disable persistent cookies, you will be able to access your account; however, your navigation of the website may be less enjoyable.
Webtrends
In order to develop our website in line with customer needs HSBC is working with WebTrends to track usage on our website. Webtrends provide HSBC with statistics to show us which pages on our website are visited most frequently and how long visitors spend on our website. We use this information to help us plan how we should improve the website.
WebTrends uses a cookie to track the number of unique users of the site. It basically tells us whether we have a small number of regular visitors to the website or a large number of infrequent visitors. None of the information can be traced to an individual - we do not know who you are as a unique user, merely that there are a certain number of people using the website. The cookie only relates to what goes on in the HSBC website and the information cannot be used for marketing on an individual basis. For more information about how WebTrends collects data, please read their privacy policy .
Web beacons and spotlight tags
HSBC web pages may contain electronic images, known as web beacons or spotlight tags. These enable HSBC to count users who have visited certain pages on our website. Web beacons and spotlight tags are simply tools used to obtain generic information about the web pages visited. They are not used to obtain information about specific users.
How to manage cookies
Please visit Interactive Advertising Bureau UK to discover how to disable and delete cookies.
Your queries
If you have any queries regarding privacy issues, please use the Contact Us function on this website. To ensure that we carry out your instructions accurately, to help us continually improve our service and in the interests of security, we may monitor and/or record your telephone calls with us. Please see our Website Terms and Conditions for more details on the use of our website.
Terms of Business for Accessing Your Account
Without limiting the Website Terms and Conditions, your access to the password protected sections of the Site is dependent upon your prior acceptance of the respective Terms of Business. If you have not executed the respective Terms of Business, then you may not register with, or use the password protected sections of, the Site.
Product Terms and Conditions
For full details of our products, please refer to the Terms and Conditions and Key Features documents which govern these products. These documents can be requested from our Business Support Team (see Contact Us details).
