Terms and Conditions

Please read the details set out below carefully before using this web site (the "Site"). By accessing this Site and any of its pages you agree to be bound by the following the terms and conditions, important notes and disclaimers (the "Terms")."

References to 'you', 'your' and 'yours' are references to the person(s) accessing the Site,
References to 'we', 'us', 'our' and 'the Bank' are references to HSBC Bank A.Ş.,
References to an 'agency' or 'agencies' are references to an agency or agencies that the Bank appoints to render some or all of the HSBC Internet Banking Services,
References to the HSBC Group of Companies are references to HSBC Holdings plc, its subsidiaries and its associated companies.

Terms

All our products and services and those of other members of the HSBC Group of Companies are subject to the terms and conditions and disclaimers of the applicable agreement governing their use. These Terms are to be read by you together with any terms, conditions and disclaimers provided in the pages of the Site. In the event of any conflict, the terms, conditions and disclaimers provided in the pages of the Site shall prevail over these Terms.

The information, material and content provided in the pages of the Site may be suspended, withdrawn or changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly and your continued access to or use of the Site will mean that you agree to any changes. You may, at any time up to 30 days from the date you accepted the Terms and Conditions, terminate this Contract.

No Offer

Neither the information, nor any opinion contained in our Site constitutes an offer to sell or solicitation or an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments. Before making any decision or taking any action that might affect your personal finances or business, you should always consult a suitably qualified professional advisor.

The Provision of Financial Services or Products

HSBC Türkiye does not offer financial services or products through its use and operation of the www.hsbc.com.tr portal, or gateway. Products or services on this Site do not constitute an offer or recommendation of any products or services provided by any of the HSBC Group members. The information provided on this Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Site should not be considered as communicating any invitation or inducement to engage in banking or investment activity or any offer to buy or sell any securities or other instruments outside any jurisdiction where HSBC Türkiye is not licensed or authorised to perform such activities (hereinafter the ?Authorised Countries?).

Not all the products and services that you may be able to view via this Site may be available in all geographical locations served by HSBC Group members. You should access only the Local Site(s) associated with your country of residence (?Your Local Site?). If you own products that are not discussed on Your Local Site, information about such products may be accessible on this or another HSBC website. Products and services discussed outside Your Local Site may not be available in your jurisdiction of residence or in the Authorised Countries and may not be appropriate for you. It is the responsibility of any persons accessing this Site and any information available through this Site to inform himself or herself of and to observe fully the applicable laws and regulations of any relevant jurisdiction. HSBC Group members may decline to provide you with products and services solely based on your country of residence.

Products discussed on this Site may not have been registered or authorized by any central bank, governmental or regulatory authority in the Authorised Countries or in the country of your residence. Accordingly, you may not have the benefit of protection from the securities laws, banking laws and other relevant laws and regulations of your country of residence with respect to products or services referred to on or through this Site.

No representation is given that any securities, products, or services discussed in or accessible through this Site are suitable for you or any particular person. You acknowledge that your use of this Site and any requests for information you have made as a result of visiting this Site have not been solicited by HSBC Türkiye or any of its affiliates and that the provision of any information through this Site shall not constitute or be considered investment or financial advice.

No Warranties

The following clauses exclude or limit our legal liability for the Site. You should read them carefully. They all apply only as far as the law permits.

The contents of the Site are distributed to you without any warranty of any kind. We and the other members of the HSBC Group of Companies disclaim any and all warranties.

Information on the Site is provided on an "as is", "as available" basis and we do not give or make any warranty or representation of any kind, whether express, implied or statutory in respect of such information. Your use of the Site is at your sole risk. We do not represent or warrant that the 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.

You request and authorize us to (a) rely and act upon all apparently valid Instructions as instructions properly authorized by you, even if they may conflict with any other mandate given at any time concerning your accounts or affairs and (b) debit your accounts with the amounts we have paid or incurred in accordance with any instructions. An Instruction will only be accepted by us if it has been affected through the Internet Banking Service using an appropriate password but we will not further check the authenticity of an Instruction. You agree that we can act on any Instructions given to us including deducting money from your account even if these Instructions were not authorized by you. We may refuse to act on an Instruction if a transaction exceeds a particular value or other limit, or if we know of or suspect a breach of security. Please refer to the 'Transactions Limit Info' page within the Internet Banking Service for details of limits imposed upon transactions carried out through the Internet Banking Service.

We are not liable for any failure, delay or other shortcoming by any third party with whom you have accounts or otherwise when they are executing our Instructions to them howsoever caused. We may suspend any service provided to you under the Internet Banking Service without notice where we consider it necessary or advisable to do so, for example to protect you when there is a suspected breach of security or we need to suspend the Internet Banking Service for maintenance or other reasons. We will use reasonable efforts to inform you without undue delay through the Internet Banking Service, and/or our website if any service under the Internet Banking Service is not available. We will make reasonable efforts to modify, not process or delay processing any instruction where you request us to do so but we shall not be liable for any failure to comply with such a request unless it is due to our failure to make reasonable efforts to do so.

You must make sure that any Instruction is accurate and complete and we are not liable if this is not the case. A transaction being carried out is not always simultaneous with an Instruction being given. Some matters may take time to process and certain Instructions may only be processed during normal banking hours even though the Internet Banking Service may be accessible outside such hours.

Security

Please use maximum caution to keep your user code and password secure and secret at all times and take steps to prevent unauthorized use of them. You should not disclose your user code or password by writing, telling it to someone else including our staff, recording in a way that can be understood by someone else, including recording your password on any software which retains it automatically (for example, any computer screen prompts) or leaving the screen unattended after you have accessed the Internet Banking Service. Please destroy any advice from us concerning your user code or password promptly after receipt and avoid using passwords which may be easy to guess such as phone numbers, dates of birth, etc.

You must tell us immediately of any unauthorized access to the Internet Banking Service or any unauthorized instruction, which you know of, or suspect or if you suspect someone else knows your password. . Contact HSBC Telephone Banking on 0850 211 0 111 or HSBC Business Telephone Banking on 0850 211 0 424. In these circumstances you must also change your password immediately. We will need you to help us and the police in trying to recover any losses. We may disclose information about you or your account to the police or other third parties if we think it will help prevent or recover losses.

You agree to carefully check your records of transactions and statement of accounts and inform us immediately of any discrepancy.

Exclusion of Liability

In no event shall we or any other members of the HSBC Group of Companies be liable for any damages, losses or liabilities (whether arising in contract, tort or otherwise) including, without limitation, direct or indirect, special, incidental, consequential damages, losses or liabilities (whether in respect of loss of profits, business, opportunity, data or otherwise), in connection with your use of the Site or your reliance on or use of or inability to use the information, products and services on the Site or in connection with any failure or 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.

Third Party Sites and Warranties

Where we provide hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any other web sites or pages linked to or linking to the Site. We have not verified the content of any such web sites following links to any other web sites or pages shall be at your own risk and we shall not be responsible or liable for any damages or in other way in connection with linking. 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 license agreement, if any, which accompanies or is provided with the software.

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.

You must always obtain the prior written approval of HSBC before creating a hyperlink in any form from a third party website to any HSBC website and this kind of usage may subject to a fee. The HSBC Group is not liable for any loss or damage incurred or suffered by you or any third party arising out of or in connection with such link. For further trademarks and copyright information, please refer to the 'Trademarks and Copyright' section.

Internet E-mail

Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception, monitoring, loss or alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to the Bank or any message sent by the Bank to you over the Internet.

Trademarks and Copyright

Copyright in the pages screens, information and material and in their arrangement included in this Site is owned by or licensed to HSBC Bank A.Ş. unless otherwise noted. We reserve all copyrights, trademarks, patents, intellectual and other property rights in the information and materials contained in the Site. No express or implied license is granted in this respect.

You may imprint, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you first get our written permission. In particular no one may use a part of our Site on any other web site or link any other web site to our Site, without our prior written permission.

HSBC is a trademark of 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, logo or brand name.

Data Protection

We may as a result of your interaction with the Site hold and process personal information obtained about you when you access the Site and use it for making lending decisions and servicing our relationship with you, for the purposes of fraud prevention and debt collection, to understand your financial needs, to conduct our business and to provide you with better customer services and products from both within the HSBC Group of Companies and those of selected third parties, to evaluate the effectiveness of our marketing of the Site and for statistical analysis. We may pass this information to other members of the HSBC Group of Companies or agents (in jurisdictions inside or outside the European Economic Area where there may be less stringent data protection laws), as permitted by law so that they may do the same and they may pass information held by them about you to us so that we may do the same. We will not disclose any such information outside of the HSBC Group of Companies except for fraud/loss prevention and/or if required/obliged by law or Governmental or judicial bodies or agencies or to our regulators under proper authority, or under a strict code of secrecy to sub-contractors or persons acting as our agents or where we have your consent or have previously informed you.

We may also be in connection with the above and the provision of the Site transfer your personal data to countries inside or outside the European Union (EU) which may not provide the same level of protection for personal data. However, all personal data wherever it is held or processed will be protected by a strict code of secrecy and security which all members of the HSBC Group, their staff and any third parties are subject to and will only be used in accordance with our instructions. By agreeing to these Terms you agree to such data being so used and that it may be transmitted to others as stated above.

You should also read our Privacy Statement.

In order to provide a better service and a more effective Site, we use "cookies" as part or our interaction with your browser. A "cookie" is information sent from a web visitor's computer during a visit to the Site. Cookies may enable us to track how a visitor navigates through the Site. Information gathered may include date and time of visits, pages viewed, time spent at the Site, and the site visited just before and after the HSBC Site. An individual is not identified unless he or she voluntarily gives us personal identification online. This information is not sold to or shared with unaffiliated third parties for their independent marketing purposes.

Your Use of the Site

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

Currently, we do not make any specific charges for using HSBC Internet Banking Service, although we reserve the right to do so in the future. You agree and undertake to pay any fee notified by the Bank for making available of HSBC Internet Banking Services authorizing us to debit any of your accounts. However, before any such charges are made we will give you 30 days notice personally by post, e-mail or other means before we make the change and without giving us any notice, you may, at any time up to 60 days from the date we tell you of the change, terminate this Contract.

Agency

You declare and agree that the Bank may appoint any other agency or agencies to render some or all of the HSBC Internet Banking services.

Important Notes for Customers

The Terms include the Important Notes set out below. You should read them.

With any investment related to stocks it is possible that its value may fall below the amount originally invested as the price of units and the income from them can go down as well as up. This may also happen as a result of changes in the rate of exchange where overseas securities are held. Also past performance is no guarantee of future performance. Because of the difference between the buying and selling price of units/shares which will particularly impact on the value of your investment in the short term, you should regard mutual funds and investing in shares as medium to long-term investments.

This information is not intended to provide legal, accounting, tax or investment advice and should not be relied upon in that regard. The information in this Site is based on the Bank's understanding of the current law and practice at the time of going to press. Future changes in legislation, tax levels and practice could affect the information in this Site.

Any estimates in this web site, such as those provided by calculators, are subject to change without notice and should not be construed as an offer to sell or the solicitation of an offer to purchase or subscribe. Confirmation of the estimates should be sought from a HSBC Bank office.

In some cases, information provided on this web site has been obtained from other sources and while HSBC Bank A.Ş. endeavors to maintain the accuracy of all information, it makes no representation or warranty as to the accuracy of this information and cannot be held responsible for errors or omissions.

Products or services on this Site do not constitute an offer or recommendation of any products or services provided by any of the HSBC Group members. This Site should not be considered as communicating any invitation or inducement to engage in banking or investment activity or any offer to buy or sell any securities or other instruments outside any jurisdiction except where HSBC Bank A.Ş is licensed or authorised to perform such activities (hereinafter the "Authorised Countries"). By conducting transactions from this web site you confirm that it is your decision, will and initiative to conduct specific transactions.For more information, please visit Terms and Conditions on this page.

About Protection of Personal Data

HSBC Bank A.Ş. Session data (IP address, operating system version, device brand and model, app time accessed), data about the geolocation of the user’s device (geolocation data using GPS data, nearest Wİ-Fİ Access points and mobile networks), search history on the user’s device and data about the installed applications on the device (application name, version, device identifier) are processed within the scope of fulfilling the Bank’s interests and legal obligations. You can find detailed information on the protection of personal data at https://www.hsbc.com.tr/en/hsbc/personal-data-protection.

You can reach The Protection Of Personal Data with Regard To Investment Product from the relevant link: https://www.hsbc.com.tr/en/hsbc/personal-data-protection.

Governing Law

The Terms are governed by and interpreted in accordance with the laws of the Republic of Türkiye and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute which may arise in connection with the Terms or your use of the Site.