Legal information

1.1 These Terms, together with the Introducer Agreement, cover your use of this Site and explain how you may use this Site. All products and services provided by members of the HSBC Group have their own terms and conditions (the 'Product Terms'). You must ensure that applicants read the relevant Product Terms, as well as our privacy notice before you submit their application.

1.2 We may amend these Terms, the Website Privacy Notice and the Cookie Policy at any time without notice. Your use of the Site after such amendment will be subject to these Terms, Privacy Notice and the Cookie Policy as amended. We therefore recommend that you check the relevant pages of this Site from time to time to take notice of such changes, as any changes will be binding immediately once made.

1.3 The products and services advertised on this Site are subject to availabipty and may be withdrawn or amended at any time without notice.

1.4 The Site is available only to registered intermediaries.

2.1 You are responsible for providing applicants with an appropriate privacy notice and for obtaining any relevant consents prior to collecting their information for submission on the Portal.

2.2 You are responsible for advising applicants that data will be transmitted electronically and that you may track progress of their application electronically, and for ensuring that the applicants receive the privacy notice that contains information about how their personal information will be processed and shared by us and the HSBC Group.

2.3 You confirm that you have collected (and uploaded to the Portal) any applicants data, fairly and lawfully and otherwise in accordance with data protection laws.

3.1 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.

3.2 You are responsible for your actions and for providing proper advice to applicants in accordance with applicable law and the terms of the Introducer Agreement, including (but not limited to) in relation to the suitability of our products and services and any other advice you give about their application. We do not guarantee that the products and services advertised on the Site will be suitable for any applicants.

3.3 We reserve the right to reject any application submitted by you on behalf of the applicants without any explanation.

4.1 The Site is currently intended for use by FCA authorised mortgage intermediaries within the United Kingdom only. Because of this we cannot guarantee that the Site or the information thereon complies with law or regulation outside of the United Kingdom, or is appropriate for use in other places or by applicants. If you choose to enter the Site from outside your country of residence, you are advised that it may not be legal in that jurisdiction for you to access or use the facilities available on the Site and the legal requirements of that jurisdiction may prohibit you from dealing or otherwise transacting in that jurisdiction. No member of the HSBC Group will be liable for any breach of local law or regulation that you may commit as a result of using and accessing the Site from a country in which you are not resident.

4.2 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. You must treat your Portal login details as confidential and tell us immediately if you know or suspect that anyone knows your details or your details are being (or have been) used fraudulently. We reserve the right to disable your Portal login details if, in our reasonable opinion, you fail to comply with these Terms. You will be liable for any losses arising as a result of the misuse of your Portal login details.

4.3 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 jurisdictions where HSBC UK Bank plc is licenced or authorised to perform such activities (the 'Authorised Countries').

4.4 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'). 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 the applicants. Your use of this Site is subject to the applicable laws and regulations of any relevant jurisdiction. HSBC Group members may decline to provide applicants with products and services subject to status.

4.5 Products discussed on this Site may not have been registered or authorised by any central bank, governmental or regulatory authority in the Authorised Countries or in the country of the applicants residence. Accordingly, they may not have the benefit of protection from the securities laws, banking laws and other relevant laws and regulations of their country of residence with respect to products or services referred to on or through this Site.

4.6 No representation is given that any securities, products, or services discussed in or accessible through this Site are suitable for any applicant. You acknowledge that your use of this Site and any requests for information you or the applicant have made as a result of visiting this Site are not the result of an offer made by HSBC UK Bank plc or another HSBC Group company and that the provision of any information through this Site shall not constitute or be considered investment or financial advice.

5.1 The content, including layout, of this Site, the Portal or services available via this Site may be wholly or partially suspended, withdrawn or changed at any time.

5.2 We also reserve the right to suspend the provision of all or any part of the Portal to you immediately and/or block your access to the Portal in any of the following situations:

6.1 In accessing and using the Portal you will:

6.2 You must not do, or omit to do, anything which will or may:

6.4 Security - it is your sole responsibility adequately to:

6.5 Your use of this Site - you may not use this Site or permit others to use this Site:

7.1 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 or any applicant under the Financial Services Act 2012 (the 'Act'), or the rules of the FCA for the conduct of business.

7.2 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. To the extent permitted by law and subject to clause 7.14, we shall not be payable for any loss or damage whatsoever and howsoever arising (whether in tort, contract, negligence or otherwise and whether direct, indirect or consequential) as a result of your or any applicant's use of the Site, or use of or reliance on the information contained on the Site to the maximum extent permitted by law.

7.3 We do not represent or warrant that the Site will be available and meet your or any applicant's 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.

7.4 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.

7.5 You agree to indemnify us for all direct and indirect losses we incur as a result of your use of the Site other than in accordance with these Terms.

7.6 To the extent permitted by law and notwithstanding the other sub-clauses within this clause 7, neither we nor any member of the HSBC Group shall be payable for any damage, loss or liability (whether arising in contract, tort, including negligence, or otherwise) arising out of or in connection with:

7.7 The above exclusions apply to any damage which is direct, indirect, special, incidental or consequential or consists of loss of profits, business, opportunity or data.

7.8 All of the above exclusions apply even if you have advised us or any other member of the HSBC Group of the possibility of the above types of damage, loss or liability.

7.9 We will take reasonable care to ensure that any information provided to you by the Site is an accurate reflection of the information contained in our computer systems or, where the information is provided by a third party, accurately reflects the information we receive from that third party. Where information provided via the Site is beyond our reasonable control (for example, it is provided by a third party), we cannot guarantee that it is accurate or error free. We also may explain in the Site's screens that certain information is provided subject to certain restrictions, or on a specific basis (for example, it is only accurate as at a certain date). If we do this and you rely on the information, you do so subject to those restrictions or the basis on which the information is provided.

7.10 We will not be responsible for any loss of or damage to your data, software, computer, telecommunications or other equipment caused by you using the Site unless such loss or damage is directly and solely caused by our negligence or deliberate default.

7.11 Unless we have specifically agreed with you otherwise, we shall have no liability for:

7.12 We shall not be responsible to you if we fail to comply with any of these Terms or you suffer any loss:

7.13 We shall have no liability to you for any breach of these Terms caused by any event or circumstance beyond our reasonable control including, but not limited to, breakdown of systems or network access.

7.14 Nothing in this clause 7 shall serve to limit or exclude our liability for fraudulent misrepresentation or death or personal injury, in each case caused by our negligence.

8.1 In order to use the Portal, you may be required to become a registered user. In order to become a registered user we will issue you with one or more of the following, namely, registered username, password, security device, other security identifier in accordance with our procedures in place from time to time.

8.2 You must take all reasonable precautions to keep safe and prevent fraudulent use of your security details (this will include your username, PINs, password and other security information) to access the Portal. You will keep your password secret and confidential at all times. Your password will allow you to access personal and confidential account and/or financial information. These precautions include, but are not limited to the following:

8.3 You agree to tell us immediately of any unauthorised access to the Portal using your password or any unauthorised transaction or instruction which you know of or suspect of if you suspect someone else knows your password. We will need you to help us and any law enforcement agency in trying to recover any losses or otherwise deal with the result of such access. We may disclose information about you or your Portal account to a law enforcement agency or other third parties if we think it will help prevent or recover losses, including the loss or unauthorised access to personal data.

8.4 You are wholly responsible for use of the Portal by any person using your password.

8.5 If asked, you must confirm in writing the loss or theft of your security details.

8.6 We will ask you to co-operate with us and the police in relation to any investigation into the actual or suspected misuse of your passwords, PIN(s), security details and/ or accounts.

9.1 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.

9.2 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.

9.3 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.

10.1 Copyright in the pages screens, information and material in their arrangement included in this Site and all intellectual property rights in it including but not limited to any content are owned by us, our licensors or both (as applicable). Intellectual property rights means rights such as: copyright, trade marks, domain names, design rights, database rights, patents and all other intellectual property rights of any kind whether or not they are registered or unregistered (anywhere in the world). We and our licensors reserve all of our and their rights in any intellectual property in connection with these Terms. This means, for example, that we and they remain owners of them and free to use them as we and they see fit.

10.2 Nothing in these Terms grants you any legal rights in the Site other than as necessary to enable you to access the Site. You may imprint, copy, download or temporarily store extracts from our Site for your information or when you discuss our products and services with applicants. You must not alter anything, and agree not to adjust to try to circumvent or delete any notices contained on the Site (including any intellectual property notices) and in particular in any digital rights or other security technology embedded or contained within the Site.

10.3 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.

10.4 The use of any trade marks on the Site is strictly prohibited unless you have our prior written permission.

11.1 Neither you nor any other party may use any part of this Site on any other website, or link any other website to this Site, without our prior written permission.

11.2 We are not responsible for the set up of any link from a third party website to our Site.

11.3 Neither you nor any other party may deep link to, frame, slider, harvest or scrape the Content or otherwise access the Content for any purposes, or use any machine, electronic, web based or similar device to read or extract the content by machine based or automated means, without our prior written permission.

14.1 No delay by either party in enforcing the provisions of these Terms will prejudice or restrict the rights of that party nor will any waiver of its right operate as a waiver of any subsequent breach and no right, power or remedy conferred on or reserved for either party is exclusive of any other right, power or remedy available to that party and each such right, power or remedy will be cumulative.

14.2 The illegality, invalidity or unenforceability of any of these Terms will not affect the legality, validity or enforceability of the other Terms.

14.3 Headings are used in these Terms for convenience only and will not affect their enforceability.

14.4 No one other than a party to these Terms has any right to enforce any of these Terms