Mobile Banking

These terms and conditions are applicable to the existing customers of The Hongkong and Shanghai Banking Corporation Limited, India (HSBC India), who are eligible to download the mobile banking application (Customers), for use of mobile banking services (Service) provided by HSBC India . This Service is currently available on IPhone/Ipad with IoS version 5 and above, Android Phones/Tables with version 2.3 and above
The Customer should read these MITCs carefully before utilizing the Services. The Customer should also read and understand the detailed mobile banking terms and conditions which are available on the HSBC India website www.hsbc.co.in under self-service banking, and also through a link on this page. By accepting these terms and conditions, the Customer shall be deemed to have consented to the use of the Service with HSBC India, and is also deemed to have accepted and shall be bound by the applicable terms and conditions for using the said Service. The Customer shall also read and understand the Internet Banking terms and conditions, as amended from time to time, which are displayed on HSBC India’s website.

• Terms of use for HSBC Mobile Banking
  
  These terms and conditions explain the responsibilities and obligations relating to the Service and information that the Customer may use or request from HSBC India, or HSBC India may provide to the Customer through HSBC Mobile Banking. The Customer understands and acknowledges that the Service is a part of the Personal Internet Banking Facility, available on HSBC India’s website www.hsbc.co.in. In the event the MITC’s or the Personal Internet Banking Terms and Conditions are modified, the same will also have to be accepted by the Customers availing the Service.
  • Use of the Service
    The Customer understands and acknowledges that:
    • To access the Service, the Customer needs to be registered for Personal Internet Banking and needs to use the same User id and Password and process for Login into Mobile Banking. Any change in the Primary or Secondary password, will have to be done through Personal Internet Banking and cannot be done through Mobile Banking.
    • In order to transact on certain specific screens which require Transaction Data Signing/ re- authentication, the Customer will first need to have to set up a one-time 6 digit PIN for the Security Device (Device) before the Customer starts using the Device. This will need to be done on the Device and the Customer will need to remember this Device PIN and use it at all times whenever the Customer needs to initiate any transaction that requires Transaction Data Signing and/or re-authentication.
    • The transactions on Mobile Banking, which need the use of the Device for Transaction Data Signing i.e. re-authentication of transactions using a combination of the beneficiary account number and the 6 digit security code generated from the Security Device, are as follows:
      • Make a Transfer - All Types of Transfers except to the own linked account
      • Saved Transfer - NEFT, RTGS
    • The Customer shall be fully responsible for any accidental or unauthorized disclosure of the Username, Password, Secondary Password, Security Questions by himself, and/or the Security Code to any other person and shall bear the risks of the Username, Password, Secondary Password, Security Questions, Security Device or Security Code being used by unauthorized persons or for unauthorized purposes.
    • The Customer hereby understands and acknowledges that certain category of transactions carried out through the Service can only be done to the linked accounts or the accounts pre-registered on the Customers payee list on HSBC Personal Internet Banking and HSBC India shall not be liable in any manner for any delay or failure in transaction due to non- compliance of such pre-requisites by the Customer. The Customer shall confirm compliance of all such pre-requisites for the transactions.
    • Transfer Limits: In order to use the transfer facility through Mobile Banking, the Customer will need to set up his third party pre-designated and non-designated transfer limits on Internet Banking prior to the transfer through Mobile Banking. Pre-designated limits cannot be set up through Mobile Banking. Pre-designated limits and non designated limits can be set up to ₹15 lakhs per Customer per day. Customers are requested to visit the nearest HSBC branch for executing outward RTGS/NEFT transaction above ₹15 lakhs. In context of the above, pre designated limit would mean the limit for Third Party Transfers to other accounts held within HSBC India. Non designated limits would mean limits for Third Party Transfers to accounts held with other banks. Setting up of recurring transfers will not be allowed on Mobile Banking.
    • There will be no separate limit for Mobile Banking. The limit will be a daily combined limit for transactions done through both Internet Banking and Mobile banking.
    • Bill Payment Limits - This limit will be a daily combined limit for both Internet Banking and Mobile banking. The Customer agrees that he has read and understood the Bill payment related terms mentioned under the Bill Payment section in Personal Internet Banking on the HSBC India website.
    • To avail of Bill Payment services through Mobile Banking, the Customer shall need to add the billers through Internet Banking only. Biller addition is not permitted through Mobile Banking. The facility to ‘pay multiple bills’ is not supported through Mobile Banking , hence the Customer will need to make one bill payment at a time.
    • The Customer will be able to open a new fixed deposit through Mobile Banking, however the Customer will need to visit the HSBC India website and log in to the Personal Internet banking for updating and changing any Maturity Instructions for the fixed deposits. All other terms & conditions of fixed deposits available on HSBC India website will apply.

The Customer accepts to be bound by these Terms and Conditions apart from the Detailed Mobile Banking Terms and conditions available on HSBC India’s Website under Self Service Banking and the Personal Internet Banking and Bill payment Terms and Conditions available on www.hsbc.co.in

These terms and conditions are applicable to the existing customers of The Hongkong and Shanghai Banking Corporation Limited, India (HSBC India), who are eligible to download the mobile banking application (Customers), for use of mobile banking services (Service) provided by HSBC India . This Service is currently available on IPhone/Ipad with IoS version 5 and above , Android Phones/Tables with version 2.3 and above.
The Customer must read these terms and conditions carefully before using the Service. By accepting these terms and conditions the Customer shall be deemed to have consented, to the use of mobile banking facility launched by HSBC India and will also be deemed to have accepted and will be bound by these terms and conditions, as amended from time to time, as displayed on HSBC India's website. For transacting through mobile banking these terms and conditions shall be in addition to the Personal Internet Banking Terms and Conditions applicable to the Customer. Any change in the Personal Internet Banking Terms and Conditions will be applicable and will have to be accepted by Mobile Banking customers also.

1. Terms of use for HSBC Mobile Banking
   These Terms and Conditions explain the responsibilities and obligations relating to Service and information that the Customer may use or request from HSBC India, or HSBC India may provide to the Customer through HSBC Mobile Banking.
   These Terms will be displayed at the time of Mobile Application Download and will not be displayed again on subsequent visits to the application site unless HSBC India changes them, at which time they will be displayed for Customer review and acceptance. These Terms will however be available for viewing, on a hyperlink on the Pre and post Logon page of HSBC Mobile Banking and on the Public Website.
2. Definition
   In these Terms and Conditions, the following terms shall have the respective meanings as indicated below:
   'HSBC India' means The Hongkong and and Shanghai Banking Corporation Limited, India, a Company incorporated under the Companies Ordinance of the Hong Kong Special Administrative Region (HKSAR), having its Registered  Office at 1 Queens Road Central, Hong Kong and its India corporate office at 52/60 Mahatma Gandhi Road, Fort, Mumbai 400 001 (hereinafter referred to as "HSBC India")
   "Customer" means any person who holds an account with HSBC India.
   "Data Connection" means any GPRS, 3G, wired/wireless internet connection, or any other network that permits the Customer to access the Facility from his Mobile Handset.
   “HSBC Account" means any account of the Customer with HSBC India, which may be savings/current/fixed deposit/credit card account/loan or any other account with HSBC India.
   "HSBC Mobile Facility" or or “Services” means the facility, available as a mobile application which allows the Customer to carry out transactions from his Mobile Handset.
   "Login Credentials" or "Credentials" means the Personal Internet Banking User ID, and Personal Internet Banking PIN that are to be used by the Customer to authenticate himself prior to accessing the Facility.
   "Mobile Handset" means a mobile phone, tablet, or any other remote access device that supports access to the Facility.
   ' Primary Password' - means any confidential word, phrase, code or number adopted by the Customer for accessing the Services or executing Instructions through the Services
   'Secondary Password' - means a confidential 8 character alphanumeric Password created by the Customer for accessing Internet Banking Service which HSBC India will verify using random character check function.
   'Security Device' means an electronic device designated by HSBC India for use by Customers to generate the Security Code which will generate a one-time passcode of 6 random digits which changes every 16 seconds.
   'Security code' means a one-time 6 digit Password generated by the Security Device for use by a Customer to access the Services, which changes every 16 seconds.
   'Transaction Data Signing' means re-authenticating a transaction that is transacted through Mobile Banking. The re-authentication code is a six digit security code (referred above) generated by the security device, on entering the last 8 digits of the beneficiary account number on the Security Device provided by HSBC India
   "Terms and Conditions" means these Terms and Conditions including any amendments, modifications and any and all annexures, schedules, exhibits, appendices attached to it or incorporated by reference from time to time. Terms used hereunder but not defined herein shall have the meaning assigned to them under the HSBC Account Terms and Conditions and/or Personal Internet Banking Terms available on our website www.hsbc.co.in
   
   The Customer understands and acknowledges that this Facility is an extension of accessing the Personal Internet Banking Facility on www.hsbc.co.in and that all users of this Facility shall also be bound by the same Terms and Conditions that govern the Personal Internet Banking Facility and Personal Internet Banking Terms and Conditions
3. overning Terms and Conditions
   The Services are an additional means for the Customer to operate accounts, conduct transactions and dealings and obtain services, products, information, benefits and privileges from HSBC India and/or other members of the HSBC Group as shall be made available from time to time. Transactions and dealings conducted by using the Services are subject to these Terms and Conditions and other related terms issued by HSBC India including the Privacy and Security, Terms of Use and Hyperlink Policy currently published on the application. All other terms and conditions governing the relevant accounts, transactions, dealings, services, products, Information, benefits or privileges shall continue to apply but where there is any discrepancy, these Mobile Banking Terms and Conditions shall prevail for the purposes of the Services. 
4. Use of the Services
   a. To access the HSBC Mobile Facility, the Customer needs to be registered for Personal Internet Banking     and use the same User id and Password for logging into Mobile Banking. Any change in the Primary or     Secondary password, will have to be done through Personal Internet Banking only, and will not be     available through Mobile Banking.
   b. To access the HSBC Mobile Facility for the first time, the Customer is required to download the Mobile     Banking Application from Playstore on Android and App Store on IOS. To avail the HSBC Mobile Facility,     the Customer needs to have a Mobile Handset with Android v 2.3 and above, and IOS version 4 and     above.
   c. The Customer can log into HSBC Mobile Facility either by using the Primary and Secondary Personal     Internet Banking passwords or the Primary Password and the authentication code generated by the     Security Device.
   d. Whilst HSBC India facilitates basic Internet Banking access after validating the Username, Password and     Secondary Password, it may, in its sole discretion require a Customer to use the Security Device or an     SMS passcode to access select Internet Banking services. This will be informed to the Customer 30 days     prior to the functionality being introduced.
   e. In order to transact on certain specific screens which require Transaction Data Signing/re-       authentication, the Customer will need to have set up a onetime 6 digit PIN for the Security Device,     before he starts using the Device. This will need to be done on Internet Banking and the Customer will         need to remember this Security Device PIN and use it at all times whenever the Customer needs to     initiate any transaction that requires Transaction Data Signing and/or re-authentication.
   
   The transactions on Mobile Banking, which require the use of the Security Device for Transaction Data Signing i.e. re-authentication of transactions using a combination of the beneficiary account number and the 6 digit security code generated from the Security Device are as follows:
       · Make a Transfer - All Types of Transfers except to the own linked account
       · Saved Transfer - NEFT, RTGS 
   
   f. It will be the sole responsibility of the Customer to order a Security Device on the HSBC India's Internet     Banking site or request for a replacement Device by calling the Contact Center if the Security Device     previously issued has failed to function, or report the same lost/misplaced as the case may be. The               Customer shall be liable to pay charges as specified in tariff sheet available on HSBC India's Website for     procuring the Security Device.
   g. The Customer shall act in good faith, exercise reasonable care and diligence in keeping the Username,     the Password, the Secondary Password, the Security Questions, the Security Device, Security Device     PIN and the Security Code in secrecy. At no time and under no circumstances shall the Customer     disclose the Username, the Password, the Secondary Password, the Security Questions and related     details and/or the Security Device PIN and Security Code to any other person or permit the Security     Device to come into the possession or control of any other person.
   h. The Customer shall be fully responsible for any accidental or unauthorized disclosure of the Username,     the Password, the Secondary Password, the Security Questions by himself, and/or the Security Code to     any other person and shall bear the risks of the Username, Password, Secondary Password, Security     Questions, Security Device or Security Code being used by unauthorized persons or for unauthorized     purposes.
   i. Upon notice or suspicion of the Username, the Password, the Secondary Password, the Security     Questions and/or the Security Code being disclosed to, and/or the Security Device being lost or     otherwise come into the possession or control of any unauthorized person or any unauthorized use of     the Services being made, the Customer shall notify HSBC India at the earliest by telephone at such     telephone number(s) as HSBC India may from time to time prescribe (and it may ask the Customer to     confirm in writing any details given) and, until HSBC India's actual receipt of such telephonic     notification, the Customer shall remain responsible for any and all use of the Services by unauthorized     persons or for unauthorized purposes.
   j. The Customer hereby understands and acknowledges that certain category of transactions carried out     through Facility can only be done to the linked accounts or the accounts pre-registered on his payee list     on HSBC Personal Internet Banking and the Bank shall not be liable in any manner for any delay or     failure in transaction due to non-compliance of such pre-requisites by the Customer. The Customer shall     confirm compliance of all such pre-requisites for the transactions.
       Transfer Limits: In order to use the transfer facility through Mobile Banking, the Customer will need to     set up his third party pre-designated and non-designated transfer limits on Internet Banking prior to the     transfer through Mobile Banking. Pre-designated limits cannot be set up through Mobile Banking. Pre-     designated limits and non designated limits can be set up to ₹15 lakhs per Customer per day.     Customers are requested to visit the nearest  HSBC branch for executing outward RTGS/NEFT     transaction above ₹15 lakhs. In context of the above, pre designated limit would mean the limit for     Third Party Transfers to other accounts held within HSBC India. Non designated limits would mean limits     for Third Party Transfers to accounts held with other banks.. Setting up of recurring transfers will not be     allowed on Mobile Banking Facility. There will be no separate limit for Mobile Banking Facility. The same     transfer limits assigned / setup on Internet Banking will be applicable for Mobile Banking Facility. Thus     the limit will be a daily combined limit for transactions done through both Internet Banking and Mobile     Banking Facility.
   k. Bill Payment Limits - The same transfer limits assigned / setup on Internet Banking will be applicable to     Mobile Banking Facility. This limit will be a daily combined limit for both Internet Banking and Mobile     Banking Facility.
   l.  To avail of Bill Payment services through Mobile Banking Facility, the Customer shall need to add the     billers through Internet Banking only. Biller addition is not permitted through Mobile Banking Facility.     The option to ‘pay multiple bills' is not supported through Mobile Banking Facility, hence the Customer     will need to make one bill payment at a time.
   m. The Customer will be able to open a new fixed deposit through Mobile Banking Facility, however he will     need to visit Internet banking for updating or changing any Maturity Instructions for the fixed deposits.     For more information on Terms & conditions of fixed deposits, please visit the Fixed deposit section on     internet banking
5. Fees
   HSBC India reserves the right to charge fees in relation to the use and/or termination of the Services including, without limitation, to impose a charge for its   provision of the Security Device and to revise such fees. HSBC India shall give 30 days notice in line with extant regulatory guidelines, to the Customer of the change in any fees from time to time before they become effective, which shall be binding on the Customer if the Customer continues to maintain or use the Services on or after the effective date. Fees may be collected from the Customer in such manner and at such intervals as HSBC India may specify as per the above guidelines.
6. Customer's Undertakings and Responsibilities
   a. HSBC India will take reasonable care to ensure that information about the Customer which is stored or     transmitted using the Services remains confidential and is not disclosed to any third parties outside the     HSBC Group without the Customer's written permission. However, the Customer authorizes HSBC India     to disclose or share Information relating to him or his accounts(as the case maybe):
       i. to any agent, contractor or Third Party service provider who provides services to HSBC India in                    connection with the operation of its business;
      ii. in respect of the Customer's application for Third Party Product (if and when made available, apply for          any Third Party Product by submitting the relevant application through the intermediary of HSBC                  India), to the relevant Third Party provider to the extent necessary for the purpose thereof;  and
     iii. where HSBC India is obliged to comply with the orders/directions of regulators, courts, government              agencies or other lawful authorities anywhere in the world or where it reasonably thinks it is                        necessary in order to give effect to any instruction to HSBC India or generally to enable HSBC India              to provide the services. The Customer and HSBC India shall comply with all applicable data protection        laws.
   The Customer confirms that all persons whose personal or other data is transmitted, processed or otherwise handled, have consented to such transmission, processing or other handling under these terms in accordance with the extant laws, or the Customer shall obtain their consent prior to any such transmission, processing or other handling.
   The Customer further agrees to indemnify and hold HSBC India harmless from and against all and any actions, suits, claims, proceedings, damages, liabilities, losses, expenses or costs to which HSBC India may become subject to and related to or arising out of any any act, deed, thing or undertaking done or committed to be done or due to any willful default and/or negligence or otherwise by the Customer, either by him or any person claiming through the Customer.
7. Amendments
   HSBC India may revise these Terms and/or introduce additional terms and conditions at any time and from time to time. Any revision and/or addition to these   Terms will be made with prospective effect subject to HSBC India giving notice of 30 days, in line with the extant regulatory guidelines, to the Customer   which may be given by posting it on the Internet site( s) or by display, advertisement or other means as HSBC India thinks fit, and shall be binding on the   Customer if the Customer continues to maintain or use the Services on or after the effective date of variation
8. Governing Law and Jurisdiction
   a. The Services and these Terms shall be governed by and construed in accordance with the laws of India.
   b. HSBC India and the Customer submit to the exclusive jurisdiction of the Courts in Mumbai.
   c. HSBC India may, however, in its absolute discretion, commence any legal action or proceedings arising       out of these terms in any other court, tribunal or other appropriate forum, and the Customer hereby     consents to that jurisdiction. Any provision of these terms which is prohibited or unenforceable in any         jurisdiction shall, as to such jurisdiction, be ineffective to the extent of prohibition or unenforceability but     shall not invalidate the remaining provisions of these terms or affect such provision in any other     jurisdiction .