Terms & Conditions - HSBC
Terms & Conditions - HSBC Terms & Conditions - HSBC
(ii) A failure, delay or indulgence by the Bank in exercising any power or right will not operate as a waiver of that power or right. A single exercise or partial exercise of any power or right by the Bank does not preclude further exercises of that power or right or the exercise of any other power or right. (iii) The Bank’s rights and remedies under these Terms are cumulative and do not exclude other rights and remedies provided by law. f. Benefits to the HSBC Group: The Customer acknowledges that where these Terms confer a benefit on the Bank, the benefit is also conferred on each member of the HSBC Group and is enforceable by the Bank or any member of the HSBC Group. These Terms & Conditions may be amended by the Bank without the need to obtain the consent of any members of the HSBC Group or any Information Providers. Section VIII PhoneBanking Service IMPORTANT! Before the Customer uses the “PhoneBanking Service”, please read carefully these Terms and Conditions, which set out the Bank’s obligations to the Customer and the Customer obligations to the Bank. By using “PhoneBanking Service”, the Customer is deemed to have accepted the Terms and Conditions printed below, as the same may be amended from time to time, and agree to be bound by them. 1. Consideration (a) (b) In consideration of the Bank agreeing at the request of the Customer to provide the Customer with the use of PhoneBanking Service, the Customers agrees to use PhoneBanking Service in accordance with these Terms and Conditions. The Customer shall be liable and be bound by these Terms and Conditions both jointly and individually when the Accounts are joint accounts. 2. Operation of PhoneBanking Services (a) (b) (c) (d) (e) The Customer may use PhoneBanking Service to: Enquire as to the balance of the Account. Obtain information on recent transactions performed on of the Account. Transfer of funds from the Account to the Credit Card Accounts of the Customer with which the PhoneBanking Service are established within the pre-defined dedicated transfer limits. Obtain information on exchange and deposit rates. Perform other types of banking and credit card services as the Bank may from time to time introduce. 3. The Customer hereby: (a) Acknowledges that the PIN may be sent to the Customer by post or may be collected by the Customer at the branch or as arranged by the Bank. Any person collecting the PIN on behalf of the Customer, and purporting to be duly authorised in writing by the Customer 48
shall be deemed by the Bank to be so authorised. (b) (c) (d) (e) (f) Agrees that (i) the Bank is expressly authorised to act on any telephone instruction given through the use of the PhoneBanking Services where such telephone instruction is given together with the PIN; (ii) the Bank shall be entitled to treat such telephone instructions as valid and correct and given by the Customer; (iii) the Bank shall not be liable for acting upon such telephone instruction; and (iv) the Bank shall not be under any duty seek any verification other than the PIN and shall not be under a duty to verify the identity of the Customer. Undertakes to keep the PIN strictly confidential at all times and agrees not to disclose the same to any third party or any unauthorised persons under any circumstances and the Customer confirms that he/she will not keep any written record of the PIN in any place or manner which would enable a third party or any unauthorised person to have access to the same. The Customer is requested not to substitute the PIN supplied to him/her by the Bank with a number which corresponds with the Customer’s telephone number, personal identity or passport number, date of birth or other similar identification number which could facilitate an unauthorised person to effect a telephone instruction. In the event that any unauthorised person uses the Customer’s PIN to effect a telephone instruction, the Customer shall immediately notify the Bank pursuant to sub-clause 4(d) below and agree to co-operate and provide reasonable assistance to the Bank, the police and to any other persons the Bank may consider appropriate for the purposes of conducting an investigation. The Customer understands and agrees that he/she shall hold the Bank harmless and keep the Bank indemnified with respect to any transaction undertaken by or any amount transferred by the Bank pursuant to a telephone instruction if the transaction or the transfer of the underlying funds was made through an instruction given together with the Customer’s PIN before the Customer notifies the Bank in accordance with sub-clause 4(d) below. Undertakes to notify the Bank immediately in writing upon becoming aware that the PIN has or may have become known to any unauthorised person. The Bank will not be liable for any loss (direct or consequential) arising from the use of the PhoneBanking Service until such time as the Bank receives such written notification. Upon receiving such written notification, the Bank will no longer accept any telephone instruction given through the use of the PhoneBanking Service until a new PIN has been issued to the Customer, and shall not be liable for any loss incurred as a result. Agrees to ensure that there are sufficient funds in the Customer’s Account(s) and credit facilities for the purpose of effecting the telephone or other instructions given from time to time and the Bank shall not be deemed to be under any obligation whatsoever to effect any telephone instruction whereby the amount to be transferred exceeds the balance of the Dedicated Transferor Account nor shall the Bank be liable for any consequence arising out of the Bank’s failure to carry out such instructions due to inadequacy of funds and/ or credit facilities. However, the Bank may, at its discretion, effect such instructions not with the inadequacy of funds and/or credit facilities and without seeking prior approval from or notice to the Customer. In which case, the Customer shall be responsible for the resulting overdraft, advance or credit arising as a result of such instructions. Agrees that the Customer shall promptly notify the Bank should the sole Account be converted into a joint account in which the joint signing authority accords to his/her joint account mandate and the Bank reserves the right to terminate the provision of the PhoneBanking Service as the Bank in its absolute discretion deems fit. 49
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(ii) A failure, delay or indulgence by the Bank in exercising any power or right will not operate<br />
as a waiver of that power or right. A single exercise or partial exercise of any power<br />
or right by the Bank does not preclude further exercises of that power or right or the<br />
exercise of any other power or right.<br />
(iii) The Bank’s rights and remedies under these <strong>Terms</strong> are cumulative and do not exclude<br />
other rights and remedies provided by law.<br />
f. Benefits to the <strong>HSBC</strong> Group: The Customer acknowledges that where these <strong>Terms</strong><br />
confer a benefit on the Bank, the benefit is also conferred on each member of the <strong>HSBC</strong><br />
Group and is enforceable by the Bank or any member of the <strong>HSBC</strong> Group. These <strong>Terms</strong><br />
& <strong>Conditions</strong> may be amended by the Bank without the need to obtain the consent of<br />
any members of the <strong>HSBC</strong> Group or any Information Providers.<br />
Section VIII PhoneBanking Service<br />
IMPORTANT! Before the Customer uses the “PhoneBanking Service”, please read<br />
carefully these <strong>Terms</strong> and <strong>Conditions</strong>, which set out the Bank’s obligations to the<br />
Customer and the Customer obligations to the Bank. By using “PhoneBanking<br />
Service”, the Customer is deemed to have accepted the <strong>Terms</strong> and <strong>Conditions</strong><br />
printed below, as the same may be amended from time to time, and agree to be<br />
bound by them.<br />
1. Consideration<br />
(a)<br />
(b)<br />
In consideration of the Bank agreeing at the request of the Customer to provide the<br />
Customer with the use of PhoneBanking Service, the Customers agrees to use<br />
PhoneBanking Service in accordance with these <strong>Terms</strong> and <strong>Conditions</strong>.<br />
The Customer shall be liable and be bound by these <strong>Terms</strong> and <strong>Conditions</strong> both jointly<br />
and individually when the Accounts are joint accounts.<br />
2. Operation of PhoneBanking Services<br />
(a)<br />
(b)<br />
(c)<br />
(d)<br />
(e)<br />
The Customer may use PhoneBanking Service to:<br />
Enquire as to the balance of the Account.<br />
Obtain information on recent transactions performed on of the Account.<br />
Transfer of funds from the Account to the Credit Card Accounts of the Customer with<br />
which the PhoneBanking Service are established within the pre-defined dedicated<br />
transfer limits.<br />
Obtain information on exchange and deposit rates.<br />
Perform other types of banking and credit card services as the Bank may from time to<br />
time introduce.<br />
3. The Customer hereby:<br />
(a)<br />
Acknowledges that the PIN may be sent to the Customer by post or may be collected by<br />
the Customer at the branch or as arranged by the Bank. Any person collecting the PIN on<br />
behalf of the Customer, and purporting to be duly authorised in writing by the Customer<br />
48
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