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Terms and Conditions

This information sets out the terms and conditions Statement ('Terms') governing your use of this website (the 'Site'). This Site is operated by HSBC UK Bank plc, which is owned by HSBC Holdings 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.

HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. It is listed with the registration number 765112. HSBC UK Bank plc is a company incorporated under the laws of England and Wales with company registration number 9928412 and its registered office at 1 Centenary Square, Birmingham, B1 1HQ, United Kingdom. HSBC UK Bank plc's registered VAT Number is GB 365684514.

HSBC UK Bank plc is a member of the Financial Ombudsman Scheme and adheres to The Standards of Lending Practice (PDF). For information about accounts and other products you can refer to the Money Advice Service website.

What do you mean by...?

When we say... we mean...
Content all pages, screens, information and materials included in or accessible through this Site (including any content available on any email or SMS services)
HSBC Advance Member Benefits the HSBC Advance customer benefits available via this Site
Retailer a third party retailer or supplier (that is not part of the HSBC Group) that offers you a discount or other special offer available via this Site
The Site the HSBC Advance member benefits website (advancemembers.hsbc.co.uk)
Terms these conditions of use
We, us, our HSBC UK Bank plc
You, your, yours you, the person(s) accessing this Site and the party on whose behalf you are doing so
HSBC Group HSBC Holdings plc, its subsidiaries and associated companies from time to time

Site terms

These Terms cover your use of this Site. All products and services provided by members of the HSBC Group 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.

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.

Where this Site links or refers to a Retailer, this does not constitute an offer, recommendation or endorsement of the product or service, or of that Retailer. We are not responsible or liable for the fulfilment of any contract you enter into with any Retailer, or for the quality of goods or service, or for any other aspect of your dealings with any Retailer, even if initiated via this Site. We are not responsible for any loss or damage you suffer in connection with or arising out of the information provided by Retailers. Some information will indicate that it is correct on the date of publication. When accessing this content, you accept that it may have become inaccurate since the date of publication and that you will not rely on it as being correct at the date that you access it. Where we source the information provided on this site from Retailers, the views expressed are those of the Retailer concerned, not ours, and we do not endorse those views. You are responsible for evaluating this information and for any decisions that you make as a result.

The selection of HSBC Advance Member Benefits is maintained by us, and each of the offers in the HSBC Advance Member Benefits is fulfilled by the relevant Retailer shown on the Site. Some products and services available as part of the HSBC Advance Member Benefits have extra conditions that apply in addition to these conditions: these will be displayed within the appropriate Retailer’s web page and you should read these before using the product/service in question.

If you 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 finance, you should always consult suitably qualified professional adviser(s) to obtain appropriate financial, legal, accounting, tax and other advice.

Users of the site

HSBC Advance Members is only for existing HSBC Advance customers. If you cease to be an HSBC Advance customer you will no longer be eligible to use the HSBC Advance Member Benefits, but you will be entitled to complete any transaction that you have begun before the date of the termination of your HSBC Advance account. The information and services on this Site are provided for your own use. You are not entitled to distribute the information on this Site for commercial purposes, or to display the contents of this Site in a frame surrounded in other material.

The Site is currently intended for those who access it from within the United Kingdom. Because of this, we can't guarantee that the Site or the information within it complies with law or regulation, 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 make sure that any such person complies with these Terms.

The information provided on this Site isn't 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 shouldn't 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 Authorised Countries - Authorised Countries being any jurisdictions where we are licensed or authorised to perform such activities.

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"). Your use of this Site is subject to the applicable laws and regulations of any relevant jurisdiction.

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 request for information you have made as a result of visiting this Site are not the result of an offer made by us or any of our affiliates and that the provision of any information through this Site shall not constitute or be considered investment or financial advice.

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 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 don't 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 must take sole responsibility for adequate protection and back up of data and/or equipment, and you must also undertake 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

When we give hypertext links to other locations on the Internet, we do it for information purposes only. We're not responsible for the content of any other websites or pages linked from or to this Site, and we haven't verified the content of any sites we link to. If you follow links to any other websites or pages, this is at your own risk, and we won't be responsible or liable for any damages or losses connected to anything you click on. 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 - we're not responsible or liable for any difficulties or consequences associated with downloading or using 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 of all pages, screens, information and material in their arrangement included in this Site is owned by or licensed to us, unless otherwise noted. You can print, copy, download or temporarily store extracts from our Site for your personal information, or when you use our products and services, but you must not alter anything and any other use is prohibited without securing our written permission first. 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 - they could be intercepted, lost or possibly altered. We can't and won't take responsibility for this, and won't be liable to you or anyone else for any damages or otherwise, in connection with any message sent - either by you to us, or by us to you - over the Internet.

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

Governing law

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

Your queries

If you wish to contact us, please refer to our contact us page.

12 Days of Christmas Prize Draw:

Terms and Conditions for HSBC’s 12 days of Christmas Prize Draw

HSBC UK Bank plc is offering existing HSBC Advance customers an opportunity to win a prize from a selection of varying value prizes each day during its 12 days of Christmas promotion (the "Prize Draw"). The Prize Draw consists of 12 daily prizes as detailed out below (each a “Daily Prize Draw”) and for each Daily Prize Draw a winner or winners will be selected at random. These are the legal terms that apply to the Prize Draw and each Daily Prize Draw.

HSBC UK Bank plc of 1 Centenary Square, Birmingham, B1 1HQ, United Kingdom is the “Promoter” of this Prize Draw.

The Marketing Lounge Partnership Limited (“MLP”) is operating the Prize Draw and each Daily Prize Draw on behalf of the Promoter.

  1. Can I enter the Prize Draw and any Daily Prize Draw?
    To enter the Prize Draw you must:
    a) have registered and activated your HSBC Advance Members account;
    b) be resident in England, Wales or Scotland;
    c) be aged 18 years or over;
    d) not work for the Promoter, MLP or have been involved in setting up or running this Prize Draw;
    e) in respect of the Daily Prize Draw, not have already entered the Daily Prize Draw for that day’s prize; and
    f) not be entering for someone else.

If you don’t meet or stop meeting any of these criteria after entering the Prize Draw or any Daily Prize Draw then you may be disqualified and any prize you may have won will be forfeited.

  1. How do I enter the Prize Draw or any Daily Prize Draw?

You can enter the Prize Draw from each day from 1st December 2019 until 12th December 2019 (inclusive) “Prize Draw Period”. Please check the prize page each day which can be accessed by selecting the Prize Draw banner on advancemembers.hsbc.co.uk for specific opening and closing times of the Daily Prize Draw running that day. Entrants are only permitted to enter the Daily Prize Draw once per day during the Prize Draw Period. All entries received after the closing time on each day are automatically disqualified for the Daily Prize Draw on that day. No entries may be made after the Prize Draw Period.

To enter you need to:
a) register, activate and log into your Advance Members account,
b) click on the Daily Prize Draw page and enter your e-mail, telephone and/or address that your account is registered with as requested. We will only request the contact details required to (i) notify you and (iii) deliver the prize to you should you be selected as a winner.

There is no purchase required or entry fee to enter this Prize Draw or any Daily Prize Draw.

By entering this Prize Draw or any Daily Prize Draw you are agreeing to be bound by these Terms and Conditions.

  1. What is the Prize?

There is a selection of prizes on offer over the course of the Prize Draw. Details of the prize for the Daily Prize Draw will be made available on the prize page (which can be accessed by selecting the Prize Draw banner on advancemembers.hsbc.co.uk for the duration of the corresponding Daily Prize Draw.

All entrants who win a prize are referred to as “the Winners” (each a “Winner”). There may be multiple Winners for each Daily Prize Draw during the Prize Draw Period and all prizes are subject to availability.

The prizes do not include any additional accommodation, food, beverage, transport costs, spending money and/or other additional costs and the relevant Winner will need to pay for these. The Winner also will be responsible for any tax liabilities. The relevant Winner will be responsible for ensuring that they and any person(s) travelling with them are available to travel and if any international travel is required, they and any person(s) travelling with them hold valid passports on the travel dates specified and for paying for any travel visas and travel insurance (if required).

If any of the prizes offered are unavailable due to circumstances beyond the control of the Promoter you may be offered an alternative prize of equal or greater value at the Promoter’s discretion.

There is no cash alternative and the prize can’t be transferred or exchanged.

  1. How are the winners selected?

The number of Winners each day may vary per prize and the number of Winners to be chosen each day will be detailed on the relevant prize webpage which can be accessed via advancemembers.hsbc.co.uk.

The Winners for each Daily Prize Draw will be picked at random on the day after that Daily Prize draw has ended. The Winners will be contacted by e-mail within 30 days of the Prize Draw closing.

The email sent to a Winner will include details of the prize and how it will be delivered or if applicable how to claim it. The Promoter reserves the right to pick alternative winners if the prizes are not claimed.

The odds of winning will depend on the total number of valid entries received.

  1. How can you find out the names of the winners?

To find out details of the Winners or if you have any questions about the Prize Draw send an email to info@advancemembers.hsbc.co.uk.

  1. What else do you need to know? Legal Information

The Winners agree to allow their name and location to be used in any promotional activities reasonably requested by the Promoter.

The Promoter and MLP and each of their group companies and contractors will not be liable (to the extent permitted by law) for any loss or damage arising out of organising or holding this Prize Draw or any Daily Prize Draw or as a result of your participation in the Prize Draw (or any Daily Prize Draw) including without limitation in relation to:

  • any lost, stolen, delayed, damaged or incorrect entries;
  • any errors, interruption, delay in operation or transmission, line failure, theft or destruction of entries;
  • the use or enjoyment of any prize; or
  • if the Prize Draw or any Daily Prize Draw does not run as planned.

This clause does not seek to exclude the liability of the Promoter and/or MLP and each of their group companies and contractors for (a) death or personal injury caused by the Promoter and/or MLP and each of their group companies and contractors negligence, (b) fraud or fraudulent misrepresentation, and/or (c) any other matter for which it would be unlawful for the Promoter and/or MLP and each of their group companies and contractors to exclude or attempt to exclude their liability. Your statutory rights are not affected.

The Promoter reserves the right to amend these Terms and Conditions or cancel the Prize Draw (or any part of it including without limitation any Daily Prize Draw) without notice if required by law or due to reasons beyond the Promoter’s reasonable control. The Promoter also reserves the right to cancel the Prize Draw or any Daily Prize Draw or amend these Terms and Conditions for a specific reason where it’s reasonable or valid to do so.
The use of the prize may be subject to the terms and conditions of the prize manufacturer or issuer and the Promoter and MLP shall not be responsible for such terms or the Winner’s compliance with them.

The laws of England & Wales apply to this agreement and you can bring legal proceedings in respect of this agreement in the courts of England & Wales. If you live in Scotland you can bring legal proceedings in respect of the products in either the Scottish or the English & Welsh courts. If proceedings are brought in the Scottish courts, the laws of Scotland apply to this agreement and not the laws of England & Wales.

  1. Your Personal information

Any personal information entrants provide will be processed by or on behalf of the Promoter, and used to run the Prize Draw and to administer the fulfilment of the prizes. Personal data may be stored and processed in the United Kingdom or overseas (which includes outside of the European Economic Area), by the Promoter or other parties on the Promoter’s behalf for the purpose of administering this Prize Draw. More information on how the Promoter collects, uses and shares personal information, individuals’ data privacy rights and how these can be exercised can be found in HSBC Advance Member’s Privacy Notice, which is available to view at www.advancemembers.hsbc.co.uk/privacy-and-security.

HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. It is listed with the registration number 765112. HSBC UK Bank plc is a company incorporated under the laws of England and Wales with company registration number 9928412, and has its registered office at 1 Centenary Square, Birmingham, B1 1HQ. HSBC UK Bank plc's registered VAT Number is GB 365684514. HSBC UK Bank plc is a member of the Financial Ombudsman Scheme.