*
* *
* *
* important information
* *
* *
* Use of Website * *
*
*

This website is owned, issued and maintained by first direct, a division of HSBC UK Bank plc, and is intended for use by residents of the UK, Channel Islands and Isle of Man and is not aimed at or intended for use by residents of any other jurisdiction.

*
* Advice * *
*
* We offer a portfolio which gives you the ability to trade in investments. Our website is intended for use by private customers and not for professional purposes and, by accessing our website, you represent that you are using it for such purposes. We reserve the right to terminate your access if this is not the case.

The value of shares and the income from them can go down as well as up and you may not get back the amount you originally invested. Investments denominated in foreign currencies are exposed to changes in exchange rates which may have a negative as well as a positive effect on their value. Past performance is not indicative of future results. Information relating to tax on this site is based on our understanding of current and proposed legislation and HM Revenue and Customs practice. The rules on tax can change. The level of tax applicable will depend on the individual investor’s personal circumstances.

The information contained on our website or in other documentation provided to you may not be accurate or up to date, is provided for general informational use only, and should not be relied upon. We do not make personal investment recommendations as our investment dealing service is an execution-only service. Nothing on our website or in other documentation provided to you constitutes investment, legal, accounting, or tax advice, nor a representation that any investment or strategy is suitable or appropriate to your individual circumstances. Before entering into an agreement in respect of an investment referred to on our website or otherwise, you should consult your own investment advisors as to its suitability and appropriateness for you.

Nothing in our website constitutes a solicitation or recommendation by us, or any other person to buy, sell or hold any security, financial product or financial service or otherwise for the purpose of making a public offer of the same.


*
* Exclusion of Liability * *
*
* These 'Exclusion of Liability' provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these Terms and Conditions and in particular within the 'Exclusion of Liability' clauses shall attempt to exclude liability that is not permissible under applicable law, including without limitation, for death or personal injury, or for fraudulent misrepresentation.

Nothing in these Terms and Conditions shall exclude or limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules which we are bound to comply with.

While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials are appropriate or available for use either in the United Kingdom or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

We accept no liability (including without limitation) in either contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this website (which includes without limitation) any errors or omissions contained in this website or if the website is unavailable and we shall not be liable for any direct or indirect:
  • economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings);
  • loss of goodwill or reputation;
  • special, incidental, consequential loss or damage,

    suffered or incurred arising out of or in connection with your use of this website and these Terms and Conditions.

    Access to and use of this website is at the user's own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

    Should you leave our website via a link contained in our website and view content that is not provided by us, you will do so at your own risk. We provide links only as a convenience and without liability. The ability to link to another website and the fact that a link exists does not mean that we endorse or guarantee such site, the site sponsor or the site contents. In addition, be aware that when you leave our website you will be subject to the terms of use and privacy policies of the new website which you are visiting.


    *
    * Changes to Website * *
    *
    * The information available on our website is subject to change without notice. We expressly disclaim any obligation to keep the information on our website up to date, free of errors or viruses or to maintain uninterrupted access. We may stop producing or updating any part of our website without notice.

    *
    * Trademarks * *
    *
    * All content and information contained within our website or delivered to you in connection with your use of our website is the property of ourselves and other third parties. The trade mark, trade names and logos (the "Trade Marks") used and displayed on our website or otherwise are registered and unregistered Trade Marks of ourselves and other third parties. Nothing on our website or otherwise should be construed as granting any licence or right to use any Trade Mark. We do not waive any of our proprietary rights in our website. You are entitled to view, copy and print documents from our website solely for your own non-commercial use, provided that you do not remove any copyright or other proprietary notices. You may not sell, publish, reproduce, sublicense, assign, modify or change (by use of an html "frame" or otherwise) any portion of our website or any content and information contained within our website without our prior written consent.

    *
    * Regulatory Information * *
    *
    * first direct, a division of HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our firm reference number is 765112. You can check this on the Financial Services Register by visiting the Financial Conduct Authority website www.fca.org.uk or by contacting the Financial Conduct Authority on 0800 111 6768.

    first direct is a division of HSBC UK Bank plc and is a member of the Financial Services Compensation Scheme(FSCS).

    You may be eligible to compensation from the scheme if you have a valid claim against us in respect of investment business and we cannot meet our obligations. Such claims are normally covered for 100% of the first £85,000 of each investor’s claim. The types of claims that may be considered and further details of the scheme are available from the FSCS, through their website www.fscs.org.uk or by calling them on 020 7892 7300.

    FSCS can pay compensation if we are unable to meet our financial obligations in respect of deposits held with us. Most depositors, including individuals and small businesses are eligible. A maximum of £85,000 will be paid to each eligible depositor for all their deposits with us even if the total of these deposits is more than £85,000. You will only be entitled to one claim of up to £85,000 for all your deposits held with HSBC UK Bank plc and first direct. If you need to know anything more about this scheme please contact FSCS direct.

    HSBC UK Bank plc is established at 1 Centenary Square, Birmingham, B1 1HQ, which is its registered office.
    HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Registration Authority. Registered in the Financial Services register with firm reference number: 765112. HSBC UK Bank plc is also registered with the Jersey Financial Services Commission for banking and investment business. HSBC UK Bank plc’s registered VAT number is GB 365684514.

    first direct is a division of HSBC UK Bank plc. The Financial Conduct Authority is the supervisory authority. Its address is 25 The North Colonnade, Canary Wharf, London, E14 5HS. HSBC UK Bank plc is entered in the Financial Services Register under reference number 765112. HSBC UK Bank plc's registered VAT number is GB365684514 and its company register number is 9928412.


    *
    * Complaints * *
    *
    * If you are unhappy in any way with our products and services then please let us know. On receipt of your complaint, we will send you a copy of our leaflet “Listening to your comments”, which explains how we will handle your complaint. A written copy of our complaint procedures is available on request.

    If we cannot resolve your complaint in the first instance, you can refer it to:

    Financial Ombudsman Service
    South Quay Plaza
    183 Marsh Wall
    London E14 9SR

    Telephone: 0300 123 9 123

    Email: complaint.info@financial-ombudsman.org.uk

    The Financial Ombudsman Service will generally review complaints from retail customers. However, the criteria for reviewing complaints may mean that even if you have been categorised by a provider of products and services as a retail client, they may not regard you as an eligible complainant.

    Complaining to the ombudsman will not affect your legal rights.

    We offer many services for our disabled customers. For more information call us on 03 456 100 105 and minicom number 03 456 100 147 (textphone 1800 103457 125 563). Lines are open 8am to 10pm every day (excluding Christmas Day, Boxing Day and New Year’s Day) in the UK or 03456 006 161 (textphone 1800 103457 125 563) in the Channel Islands and Isle of Man. To help us continually improve our service and in the interests of security we may monitor and/or record your telephone calls.


    *
    * Governing Law * *
    *
    * The Terms and Conditions of use of this website are governed by the laws of England and any dispute regarding this website shall be subject to the exclusive jurisdiction of the English courts.

    *
    * Contact Us * *
    *
    * If you have any queries about our online sharedealing service, please call us on 03 456 100 105. Your views are important to us, if you have a complaint please let us know by contacting us on the above telephone number.

    *