HSBC Amanah - Islamic financial solutions
 

5 April 2005

The Site is operated by HSBC Bank Middle East Limited (HBME), a subsidiary of HSBC Holdings plc.

HBME is incorporated under the laws of Jersey having its registered office at HSBC House, Esplanade, St. Helier, Jersey, JE4 8UB, Channel Islands,

HSBC Holdings plc is a public limited company registered in England and Wales under Company Register Number 617987 and with its registered office at 8, Canada Square, London, England E14 5HQ.

The provision of financial services or products

HBME does not offer financial services or products and the operation of the hsbcamanah.com portal, or gateway, does not constitute an offer of any products or services provided by HSBC Group members.

Not all the products and services that you may be able to view via the Site are available in all geographical locations. The relevant HSBC Group member reserves the right to make the final determination on whether or not you are eligible for any particular product or service. If you choose to enter a website outside your country of residence, you are advised that it may not be legal in that jurisdiction for you to access or use the facilities available on that site and the legal requirements of that jurisdiction may prohibit you from dealing or otherwise transacting in that jurisdiction.

All products or services provided to you by any HSBC Group member shall only be available in the jurisdiction/s within which the member providing the product or service is authorised to operate.

You agree that any of the products or services provided to you by any HSBC Group member shall be deemed to be provided in the jurisdiction within which the member providing the product or service is authorised to operate.

HBME provide access and links to the Local Sites of HSBC Group members. Financial services and products may be obtained from Local Sites.

The information contained on the Site is for information purposes only. HBME does not hold itself out as providing legal, financial or other advice via the Site.

>References to 'you', 'your' and 'yours' are references to the person(s) accessing the Site or any Local Site.

>References to 'we', 'us' and 'our' are references to hsbc.com, inc.

>References to the 'HSBC Group' are references to HSBC Holdings plc, its subsidiaries and affiliated companies.

Local sites

All products and services provided by members of the HSBC Group are subject to the terms and conditions and disclaimers of the applicable agreement governing their supply and use ("Product terms and conditions"). Where Product terms and conditions conflict with these Terms and Conditions or any Local Site's terms and conditions the Product terms and conditions shall prevail.

You may link to other HSBC websites or pages issued by other entities within the HSBC Group ("Local Sites") through the Site. Your use of any Local Site shall be governed by both these Terms and Conditions and the terms and conditions of the Local Site. However, where these Terms and Conditions conflict with those of the Local Site, the terms and conditions of the Local Site shall prevail.

Please read carefully any Local Site and/or Product terms and conditions before using the Local Site or product.

Changes

The information, material and content provided in the pages of the Site or any Local Site may be changed at any time without notice. Changes may be made to these Terms and Conditions by us at any time without notice to you by updating the posting of the Terms and Conditions.

Security

In certain circumstances you may be requested to register with hsbcamanah.com. When you register, you must provide accurate and complete information and up-date such information when necessary so it remains accurate and complete. When you register and are accepted as a registered user of the Site, you choose a unique user name and password. Please use maximum caution to keep your user name and password confidential and log off from the Site when your session is complete to prevent unauthorized access to your information. If your user name or password is subject to unauthorised access, you should immediately inform the relevant HSBC Group company.

Data Protection and Privacy Policies

We are committed to protecting your privacy. All information gathered from you in connection with your use of the Site or any Local Site will be maintained in accordance with the applicable privacy policies disclosed for the Site or any of the Local Sites.

No offer

Information or opinions provided by us or through a third party on the Site or by a Local Site should not be used for investment advice and do not constitute an offer to sell or solicitation of an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments. When making a decision about your investments, you should seek the advice of a professional financial adviser.

No warranties

THE CONTENTS OF THE SITE AND THE LOCAL SITES ARE DISTRIBUTED TO YOU WITHOUT ANY WARRANTY OF ANY KIND. WE AND THE THIRD PARTY CONTENT PROVIDERS DISCLAIM ANY AND ALL WARRANTIES

INFORMATION ON THE SITE AND ANY LOCAL SITE IS PROVIDED ON AN "AS IS", "AS AVAILABLE" BASIS AND TO THE FULLEST EXTENT PERMITTED BY LAW WE DO NOT GIVE OR MAKE ANY WARRANTY OR REPRESENTATION OF ANY KIND, WHETHER EXPRESS OR IMPLIED IN RESPECT OF SUCH INFORMATION WHETHER IN RESPECT OF THE SITE OR ANY LOCAL SITE. YOUR USE OF THE SITE OR ANY LOCAL SITE IS AT YOUR SOLE RISK.

WE DO NOT WARRANT THE ACCURACY, ADEQUACY, COMPLETENESS OR TIMELINESS OF THE INFORMATION, MATERIAL, PRODUCTS AND SERVICES OR THE ERROR-FREE USE OF THE SITE OR LOCAL SITE.

WE DO NOT REPRESENT OR WARRANT THAT THE SITE OR ANY LOCAL SITE WILL BE AVAILABLE OR THAT IT WILL 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 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 SITE OR ANY LOCAL SITE.

Limitation of liability

IN NO EVENT SHALL WE BE LIABLE FOR ANY DAMAGES, LOSSES OR LIABILITIES INCLUDING WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL DAMAGES, LOSSES OR LIABILITIES, IN CONNECTION WITH YOUR USE OF THE SITE OR YOUR RELIANCE ON OR USE OR INABILITY TO USE THE INFORMATION, MATERIALS, PRODUCTS AND SERVICES ON THE SITE, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF YOU ADVISE US OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

Links to third party sites or content

Your use of hyperlinks on the Site is at your own risk. We provide hyperlinks to other locations on the Internet for information and convenience purposes only. No endorsement of third party websites or content is implied. We are not responsible for the content of any other websites or pages linked to or from the Site or any Local Site. We have not verified the content of any such websites, or pages. It is recommended that you view the linked website's terms or privacy policy pages to understand how use of that website may affect you.

We are not responsible for the accuracy, timeliness or the continued availability or the existence of content, hyper links, or third party websites or pages linked to the Site or any Local Site. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.

The Site may offer access to news services, market analysis, financial planning tools or other information provided by third parties on the Site or any Local Site. No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on the Site or any Local Site. We do not control, cannot guarantee, and are not responsible for the accuracy, timeliness or even the continued availability or existence of such content.

Internet e-mail

Do not use ordinary e-mail to communicate personal or confidential information to us. Use the secure server available at your Local Site. Ordinary e-mail messages sent over the Internet may be intercepted, lost or altered. We are not responsible for them and will not be liable to you or anyone else for any damages in connection with any messages sent by you to us using ordinary e-mail.

Email alert service

We may, at our discretion, provide an email alert service (the "Service") allowing you to receive alerts relating to HSBC Holdings plc and/or such other parties or matters as we may include from time to time.

Your use of the Service will result in us holding the data you submit for use of the Service. The data will be held in the HSBC Bank Middle East Limited (HBME) servers and will only be used to provide you with the information you have requested receiving via the Service or for statistical analysis. By using the Service, you agree to us holding and using your data as indicated above.

We may at any time at our discretion withdraw the Service and/or your use of it.

The provisions under "No Warranties" in these Terms and Conditions shall apply as if reference to "the Site" includes reference to the Service.

Trademarks and copyright

Copyright in the pages, screens, information, and all material in their arrangement, included in the Site or any Local Site is owned by or licensed to us or the HSBC Group unless otherwise noted. You may imprint, copy download or temporarily store extracts from the Site or any Local Site for your personal information or when you use any products and services of any Local Site. You may not alter or otherwise make any changes to any material that you print or download from the Site or any Local Site, including, without limitation, removing any identifying marks or legends from such material. You may not distribute these materials to others. Any other use is prohibited unless you first request and obtain our written permission. In particular no one may use a part of the Site or any Local Site on any other website, or link any other website to the Site or any Local Site, without our prior written permission or the consent of the relevant HSBC Group member.

Content from a third party provider available on or through the Site or any Local Site may not be duplicated, distributed, published, transferred, transmitted, copied, altered, sold, used to create derivative works or otherwise misused. You must comply with all terms disclosed to you as required from time to time by any third party supplier of data or services to the Site or any Local Site, including but not limited to, where necessary, entering into a direct agreement with such third party in respect of your use of their data.

You may not use the Site or any Local Site for any purpose which is unlawful, abusive, libelous, obscene or threatening.

HSBC Amanah is a trademark of HSBC Bank Middle East Limited and all rights in and to HSBC Amanah vest in HSBC Bank Middle East Limited.

HSBC is a trademark of the HSBC Holdings plc and all rights in and to HSBC vest in HSBC Holdings plc. Other than as provided above you may not use or reproduce the HSBC trademark and/or HSBC Amanah, logo or brand name.

Not Intended for Children http://www.hsbcamanah.com/1/2/ALL_SITE_PAGES/amanah-global/amanah-terms-and-conditions

The Site is not intended for use by minors.

Governing law

Your use of the Site is governed by New York law.

Reuters data (effective 22 December 2006)

Reuters Content is the intellectual property of Reuters Limited. Any copying, re-publication or re-distribution of Reuters Content, including by caching, framing or similar means, is expressly prohibited without the prior written consent of Reuters. Reuters shall not be liable for any errors or delays in content, or for any actions taken in reliance thereon.

Reuters, Reuters Dotted Logo and the Sphere Logo are trademarks and registered trademarks of the Reuters Group of companies around the world.