Legal Information

All our products and services have their own terms and conditions.

We may change the information in the pages of this Site at any time without letting you know in advance. We may also change these Terms at any time simply by updating this page. You should therefore visit these Terms regularly, particularly as we will presume that you agree to any changes if you continue to access the Site.

Our Site contains information and opinions. It should not be taken as advice or a recommendation to buy any particular securities or financial instruments.

The Site is meant to be used by people who access it from the United Kingdom. Because of this we cannot guarantee that the Site complies with or is appropriate for use in other places. As you are responsible for use of the Site by any person using your computer, you must ensure that any such person complies with these Terms.

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 allows. We will fulfill all our duties and liabilities under the Act, conduct our business according to its rules and regulations, and meet the rules of any self-regulating organisation to which we belong. We do not limit our liability for death or personal injury caused by our negligence and if you deal with us as a consumer any statutory rights you have are unaffected.

Whilst we have taken reasonable steps to ensure all the information on the Site is accurate, complete, correct and current, information is provided on an "as is", "as available" basis and we do not accept responsibility for any errors. The use of the Site is at your sole risk. We are not liable for any loss or damage which you may incur as a result of you using the Site to the maximum extent permitted by law.

We do not promise that the Site will be always be available or will meet your requirements. We cannot guarantee that access will be uninterrupted, that there will be no delays, failures, errors or omissions. We cannot promise that transmitted information will not be lost, that no viruses or other contaminating or destructive properties will be sent to you or that your computer system will not be damaged. It is your responsibility to protect and back-up any data and equipment and for take reasonable precautions to scan for computer viruses or other destructive properties.

We do not provide any guarantees about the accuracy, functionality or performance of any third party software used in connection with the Site.

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 websites or pages linked to this Site and have not verified the information on them. You follow links to any other websites or pages at your own risk and we are not responsible or liable for any damages which may arise from the link. Links to sites containing downloadable software are provided for your convenience only and we are not responsible or liable for any difficulties you may have downloading the software or the consequences of doing so. The use of any software which you download may be governed by a licence agreement.

None of the information on our Site implies that we endorse or approve any third parties or the service they provide.

Messages sent over the Internet cannot be guaranteed to be completely secure as they can be intercepted, lost or corrupted. We are not responsible for the accuracy of any messages sent by email over the Internet – whether from us to you or from you to us.

The copyright for all the information on each screen and page of our Site is owned by or licensed to Marks & Spencer Financial Services plc unless otherwise we state that it belongs to someone else. You may copy, download or temporarily store extracts from our Site for your personal use or to help you use our products or services. You must not alter anything. You cannot use the information in any other way without our written permission. In particular you cannot use a part of our Site on any other website, or provide a link to our Site, without our written permission.

If you apply for products or services on our Site, we will obtain personal information about you. This could be used in a number of ways:

• To make lending decisions
• To provide you with the best possible levels of service
• For fraud prevention
• For audit and debt collection
• To identify products and services which may be relevant to you from us, other members of the HSBC Group, the Marks and Spencer Group and selected third parties
• To evaluate the effectiveness of our marketing of the Site
• For statistical analysis

The particular uses of information will differ depending on the product applied for and you will be provided with more detail when you apply. We may pass this information to other members of the HSBC Group, the Marks and Spencer Group and other organisations approved by Marks and Spencer plc (which may include insurance companies) so that they may use the data in the ways described above and they may pass any information they hold about you to us. We will not disclose any information to any company outside of the HSBC Group and the Marks and Spencer Group (unless approved by Marks and Spencer plc), except to help prevent fraud, if asked to do so by law or a regulator, or under a strict code of secrecy to subcontractors or persons acting as our agents or where we have your consent or have previously informed you.

We may also transfer your personal data to countries outside the European Economic Area which may not provide the same level of protection for personal data. However, all personal data held by the HSBC Group, the Marks and Spencer Group, its sub-contractors or agents will always be protected against any unauthorised or accidental disclosure, access or deletion. By agreeing to these Terms, you agree to your personal data being used and transmitted in this way.

The Terms are governed by and interpreted in accordance with the laws of England and Wales. The courts in England and Wales will have jurisdiction in respect of any dispute which may arise.