HSBC InvestDirect Financial Services (India) Limited

HSBC InvestDirect Financial Service (India) Limited ("HIFSL") (hereinafter referred to as "We") have built their business on trust between their customers themselves. To preserve the confidentiality of all information you provide to us, we maintain the following privacy principles:

• We only collect personal information that we believe to be relevant and required to understand your financial needs and to conduct our business.
  
• We use your personal information to provide you with better customer services and products.
  
• We may pass your personal information to other HIFSL Group companies or agents or third party service provider, as permitted by law.
  
• We will not disclose your personal information to any external organisation unless we have your consent or are required by law or have previously informed you. 
  
• We may be required from time to time to disclose your personal information to Governmental or judicial bodies or agencies or our regulators, but we will only do so under proper authority.
  
• We aim to keep your personal information on our records accurate and up-to-date. 
  
• We maintain strict security systems designed to prevent unauthorised access to your personal information by anyone, including our staff. 
  
• All HIFSL Group companies, all our staff and all third parties with permitted access to your information are specifically required to observe our confidentiality obligations.

By maintaining our commitment to these principles, we at HIFSL will ensure that we respect the inherent trust that you place in us.

Reasonable security practices and procedures

This section provides specific details of how we treat any personal information you might wish to provide us when you visit this Web page.

Data Security

• Security is our top priority. HSBC InvestDirect Financial Services (India) Limited (HIFSL) and its subsidiaries and associates (HIFSL) will strive at all times to ensure that your personal data will be protected against unauthorised or accidental access, processing or erasure. We maintain this commitment to data security by implementing appropriate physical, electronic and managerial measures to safeguard and secure your personal data. 
  
• The secure area of our Web page supports the use of Secure Socket Layer (SSL) protocol and 128 bit - encryption technology - an industry standard for encryption over the Internet to protect data. When you provide sensitive information, it will be automatically converted into codes before being securely dispatched over the Internet. 
  
• Our web servers are protected behind "firewalls" and our systems are monitored to prevent any unauthorized access. All practical steps will be taken to ensure that personal data will not be kept longer than necessary and that HIFSL will comply with all statutory and regulatory requirements concerning the retention of personally identifiable information.
  

Security Assurance

• Both you and HIFSL play an important role in protecting against online fraud. You should be careful that your trading account details including your User ID and/or Password are not compromised by ensuring that you do not knowingly or accidentally share, provide or facilitate unauthorised use of it. Do not share your User ID and/or password or allow access or use of it by others. We endeavor to put in place high standards of security to protect your interests.
  
• You should safeguard your unique User ID and Password by keeping it secret and confidential. Never write them down or share these details with anyone. HIFSL will never ask you for your Login and Password, in order to ensure that you are the only person who knows this information. When changing your Password it is advisable to not create it using easily identifiable information such as your birthday, telephone number or a recognizable part of your name. If you think your User ID and/or password has been disclosed to a third party, is lost or stolen and unauthorised transactions may have been conducted, you are responsible to inform us immediately.
  

Collection of Personal Information

• Use of "cookies" Your visit to this Web page may be recorded for analysis on the number of visitors to the Web page and general usage patterns. Some of this information will be gathered through the use of "cookies". Cookies are small bits of information that are automatically stored on a person's web browser in their computer that can be retrieved by this Web page. Cookies can make the site more useful by storing information about your preferences on particular sites, thus enabling website owners to provide more useful features for their users. The information collected by "cookies" is anonymous aggregated research data, and contain no name or address information or any information that will enable anyone to contact you via telephone, e-mail or any other means. Most browsers are initially set to accept cookies. Should you wish to disable these cookies you may do so by changing the setting on your browser. However, by disabling them, you may not be able to take full advantage of our website, including online trading.
  
• HIFSL may also work with third parties to research certain usage and activities on parts of our Web page on our behalf. The Third parties may use technologies such as spotlight monitoring, web beacons and "cookies" etc to conduct this research. The information collected through technologies such as cookies, spotlight tags and web beacons etc. are used to find out more about our users, including user demographics and behavior and usage patterns, for more accurate reporting and to improve the effectiveness of our marketing. Information recorded through the use of these devices are aggregated and then shared with us. No personally identifiable information about you is collected or shared by the third parties with HIFSL as a result of this research. Should you wish to disable the cookies associated with these technologies such as spotlight tags and/or web beacons etc, you may do so by changing the setting on your browser. 
  
• Marketing Promotions: Occasionally we may collect personal information from visitors to this Web page and those individuals that participate in a contest or promotion (online or over the telephone, or at one of our branches). Such information is only collected from individuals who voluntarily provide us with their personal information. We may use this information to advise them of products, services and other marketing materials, which we think, may be of interest to them. We may also invite visitors to this Web page to participate in market research and surveys and other similar activities. If we do ask you to provide personal information, we will always specify the purpose for which such personal information is collected and ensure that it is only used for the purpose specified at the time of collection.
  

Our Information Collection Statement

The Statement is intended to notify you why personal data is collected, how it will be used and to whom data access requests are to be addressed.

1. Why we collect your data - we collect your personal information to carry out and administer our services to you and in an effort to improve your customer experience. Without such data HIFSL may be unable to open or continue accounts or establish or continue facilities or provide services. 
2. Data is also collected from customers in the ordinary course of business to continue the existing relationship, for example, when customers write cheques for repayment or maintenance of any credit facilities or undertake any transaction related to his account or for regulatory purposes. 
3. How your data may be used - Data relating to a customer may be used to: 
   1. Facilitate the daily operation of the services and credit facilities provided to customers; 
      
   2. conduct credit checks;
      
   3. assist other financial institutions to conduct credit checks and collect debts; 
   4. ensure ongoing credit worthiness of customers;
      
   5. design financial services or related products for customers' use;
      
   6. market financial services or related products;
      
   7. determine the amount of indebtedness owed to or by customers;
      
   8. collect amounts outstanding from customers and those providing security for customers' obligations;
      
   9. meet the disclosure requirements of any law binding on HIFSL or any of its branches; 
      
   10. enable an actual or proposed assignee of HIFSL, or participant or sub-participant of HIFSL's rights in respect of the customer to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation; and
       
   11. to fulfill any other purposes relating thereto.
       
4. Disclosure of your personal information - Information held by HIFSL relating to a customer will be kept confidential but HIFSL may provide such information to the following parties for the purposes set out in paragraph (3):
   
   1. any agent, contractor or third party service provider who provides administrative, telecommunications, computer, payment or securities clearing or other services to HIFSL in connection with the operation of its business;
      
   2. any other person under a duty of confidentiality to HIFSL including a group company of HIFSL which has undertaken to keep such information confidential;
      
   3. any person to whom HIFSL is under an obligation to make disclosure under the requirements of any law binding on HIFSL or any of its branches; and
      
   4. any actual or proposed assignee of HIFSL or participant or sub-participant or transferee of HIFSL's rights in respect of the customer.
      
5. HIFSL retains the right to charge a reasonable fee for the processing of any data access request.

Contact Us

Requests for access to data or correction of data or for information regarding policies and practices and kinds of data or for resolution of any grievances please write to nbfchelpdesk@hsbc.co.in.

IMPORTANT: By accessing this site and any of its pages you are agreeing to the terms set out above. Thank you for choosing HSBC InvestDirect Financial Services (India) Limited.

Visitors to this Web page are bound by the following terms and conditions ("terms"). So please read the following terms carefully before continuing to use this Web page. If you do not agree with any of these terms, please do not use this Web page.

Legal Disclaimers

No warranties

This Web page / information is provided to you on an "as is" and "where-is" basis, without any warranty.  The information and material contained in this Web page should not be regarded as an offer or solicitation to buy or sell of any product. Use of the products or services described in this Web page may not be permitted in some countries and, if in doubt, you should check with your local regulator or authority before requesting further information. This Web page does not constitute an offer on the part of the HSBC InvestDirect Financial Services (India) Limited ("HIFSL") to provide any of the products or services described herein to persons or entities resident in any country where such offer is not authorized for distribution in such country or where local laws or regulations in such country do not permit the use of such products or services. Products and services are available at the discretion of HIFSL or its relevant Group Company or associate, subject to the individual terms and conditions on which they are offered, and such products and services may be withdrawn or amended at any time without notice.

Trademarks and Copyrights

This Web page contains content, information and material, including but not limited to text, graphics and sound, which is / may be protected by copyright and / or other intellectual property rights. All copyright and other intellectual property rights in this material are either owned by HIFSL or have been licensed to HIFSL by the owner(s) of those rights so that it can use this material as part of this Web page. HIFSL retains copyright on all Information, including text, graphics and sound and all trademarks displayed on this Web page are owned by HIFSL and used under license by HIFSL. Users are prohibited from using the same without written permission of HIFSL of such or such other parties. Nothing on the Web page should be construed as granting any licence or right to use any Trade Marks displayed on the Web page. HIFSL retains all proprietary rights on the Web page. The materials on this Web page are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without HIFSL prior written consent.

Indemnification

You hereby agree to indemnify, defend and hold HIFSL, harmless from and against any and all claims, damages, losses, costs (including without limitation reasonable attorneys' fees) or other expenses that arise directly or indirectly out of or from (i) your breach of these Terms and Conditions; and/or (ii) your activities in connection with this Web page.

Limitation of Liability

To the fullest extent permitted by law, HIFSL excludes itself from any liability for any direct, indirect, consequential, special or incidental damage, loss or expense, whether caused by negligence or otherwise, which has arisen directly or indirectly from your use of or reliance on any information or material contained in any web site owned and/or operated by any third party accessed using a reference from this Web page whether by hypertext link, book mark recommendation or otherwise, in all the above cases whether or not HIFSL has been notified of the possibility of such damage, loss or expense. The inclusion of hypertext links does not imply any endorsement of any material on linked Web pages nor does HIFSL vouch for accuracy of contents and opinions expressed therein. HIFSL neither assumes nor accepts liability for any loss or damage (whether direct or indirect), howsoever caused, resulting from any computer viruses, Trojan horses, worms, software bombs or similar items or processes arising from your use of software downloaded from this Web page, in each case where such event arose out of circumstances beyond the HIFSL's reasonable control.

Applicable Law and Jurisdiction

These terms and conditions are governed by and to be interpreted in accordance with laws of India, without regard to the choice or conflicts of law provisions of any jurisdiction. You agree, in the event of any dispute arising in relation to these terms and conditions or any dispute arising in relation to the Web page whether in contract or tort or otherwise, to submit to the jurisdiction of the courts located at Mumbai, India for the resolution of all such disputes. The offering of the Service is subject to the requisite permissions, approvals, licenses and any other clearance from the appropriate regulatory authorities.

Downloading

We do not represent or warrant that Web page will be available and meet your requirements, that access will not be interrupted, 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 Web page.

HIFSL reserves any rights not expressly granted in these Terms.