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Please read the details set out below carefully before using this website ("Site"). By accessing this Site, you agree to be bound by the following terms and conditions, important notes and disclaimers ("Terms").
References to 'you', 'your' and 'yours' are references to the person(s) accessing the Site.
References to 'HSBC' 'we', 'us' and 'our' are references to HSBC Bank plc, Johannesburg Branch.
References to the HSBC Group are references to HSBC Holdings plc, its subsidiaries and its associated companies.
All our products and services, and those of other members of the HSBC Group, 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The information, material and content provided in the pages of the Site may be suspended, withdrawn or changed at any time without notice.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.
The acceptance of any personal information does not constitute an offer of employment. You agree that our decision is final and binding and that we are not obliged to provide reasons as to the termination of the application process at any time.
The Site is currently intended for those who access it from within South Africa. Because of this we cannot guarantee that the Site or the information thereon complies or is appropriate for use in other places. People accessing the Site from outside South Africa are required to inform themselves about and observe any relevant restrictions. You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms.
The contents of the Site are distributed and/or made available to you without any warranty of any kind. We and the third party content providers disclaim any and all warranties.
We do not warrant the accuracy, adequacy, completeness or the error-free use of the Site. 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.
Your use of this Site is entirely voluntary and solely at your own risk. You assume full responsibility and risk of loss resulting from the use thereof. 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 in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, whether in an action arising out of contract, statute, delict or otherwise, even if you advise us of the possibility of such damages, losses or expenses.
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 web sites or content is implied. We are not responsible for the content of any other web sites or pages linked to or from the Site or any Local Site. We have not verified the content of any such web sites, 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, hyperlinks, or third party web sites or pages linked to the 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.
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 HSBC or any message sent by HSBC to you over the Internet.
Copyright in the pages screens, information and material and in their arrangement included in this Site is owned by or licensed to HSBC unless otherwise noted. We reserve all copyright, trade mark, patent, intellectual and other property rights in the information and materials contained in the Site. No express or implied licence 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 website, or link any other website to our Site, without our prior written permission. HSBC is a trade mark 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 trade mark, logo or brand name. The content from a third party provider available on or through the site may also not be duplicated, distributed, published, transferred, transmitted, copied, altered, sold 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 agree that 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, audit and debt collection, to identify products and services which may be relevant to you from both within the HSBC Group and those of selected third parties, to evaluate the effectiveness of our marketing of the Site and for statistical analysis. You agree that we may pass this information to other members of the HSBC Group so that they may do the same and so that services may be processed for us (in South Africa and abroad) and they may pass information held by them about you to us so that we may do these things. We will not disclose any such information outside of the HSBC Group except for fraud prevention purposes, or if required/obliged by law or a regulator, or it is in the public interest, or it is in our interest (e.g. to protect us from or to recover loss), or under a strict code of secrecy to sub-contractors or persons acting as our agents.
You also agree that we may in connection with the above and the provision of the Site transfer your personal data to countries outside South Africa, which may not provide the same level of protection for personal data as within South Africa. However, all personal data wherever it is held in the HSBC Group or by its sub-contractors or agents will be afforded a high level of protection against any unauthorised or accidental disclosure, access or deletion. By agreeing to these Terms you agree to such data being so used and that it may be transmitted to others as stated above.
In order to provide a better service and a more effective web site, we use "cookies" as part of 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 she voluntarily gives us personal identification online. This information is not sold to or shared with unaffiliated third parties for their independent marketing purposes.
Please refer to our Privacy Statement.
You may not use the Site for any purpose which is unlawful, abusive, libellous, obscene or threatening.
The Terms include the Important Notes set out below. You should read them.
The information in this Site is based on our understanding of current law and Inland Revenue practice at the time of going to press. Future changes in legislation, tax levels and practice could affect the information in this Site.
To ensure that we carry out your instructions accurately, to help us to continually improve our service and in the interest of security, we may monitor and/or record your telephone calls with us. All recordings are our sole property.
With any investment related to stocks and shares 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 unit trusts, Open Ended Investment Companies ("OEICS"), and life assurance bonds as medium to long-term investments.
With variable investment rates, any interest payable will alter from time to time. This means that when the interest rate rises, the interest you receive will increase, but it will become less when the interest rate falls. Further information and written details about our product and services are available from any of our branches.
We may contact you by phone, post or other means with information about the services of the HSBC Group we feel may be of interest to you. If you would prefer not to receive marketing promotions and hold an account with us please contact your branch.
The Terms are governed by and interpreted in accordance with the laws of South Africa 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 of your use of the Site.
For purposes of communication and receipt of all notices, demands and documentation we choose the following domicilium:
HSBC Bank plc is incorporated in the United Kingdom, registration number 14259. Johannesburg Branch registration number 2003/004613/10. An Authorised Financial Services Provider. Place of Business: 2 Exchange Square, 85 Maude Street, Sandown, Sandton, 2196, South Africa.
Promotion of Access to Information Act Manual
Complaints Procedure and Financial Advisory and Intermediary Services Act
Willem Kruger
Head of Compliance
+27 11 676 4358
We know that you are concerned with how your personal information is dealt with. This privacy statement sets out our current policies and demonstrates our commitment to your privacy. We may change the content found on this site at any time without notice, and consequently our privacy policy may change at any time in the future. You agree that in the event that you revisit this page and your continued access to or use of the Site means that you agree to any changes.
Once you register, you will be asked to provide us with certain up to date personal data about yourself, which we will handle in accordance with any applicable Data Protection legislation but please note that it may be hosted or transferred outside of this jurisdiction. We will not share your personal information with entities outside of the HSBC Group. We maintain strict security standards and procedures with a view to preventing unauthorised access to your personal data by anyone, including our staff.
We use leading technologies such as (but not limited to) data encryption, firewalls and server authentication to protect the security of your data. All HSBC Group companies, all our staff and whenever we hire third parties to provide support services, we will require them to observe our privacy standards and to allow us to audit them for compliance.
We agrees that, in regard to any personal information which you provide, we shall only process the personal information in accordance with the general nature of this Site and we, or our third party providers, shall not maintain records of the personal information for longer than is necessary or required by any applicable law.
An increasingly prevalent scam currently being employed by unscrupulous individuals is phishing. Phishing involves an email message being sent out to as many Internet email addresses that the fraudster can obtain, claiming to come from a legitimate organisation such as a bank, online payment service, online retailer or similar. The email requests the recipient to update or to verify their personal and financial information, including date of birth, login information, account details, credit card numbers, PIN numbers, etc.
Some of the email messages include a threat that failure to update or validate will result in, for example, the account being frozen. The objective is to induce unsuspecting recipients, who happen to be customers of the legitimate organisation being imitated, to respond to the email and to provide the information being requested.
The email will contain a link that takes you to a spoof web site that looks identical, or at least very similar, to the organisation's genuine site. In some cases, when the link in the email is clicked, the genuine site is accessed, but is overlaid with a smaller window with the spoof site, making it more believable. Clicking on a link may also download malicious software, known as "spyware" onto your PC which will record your use of the Internet and forward this information, and possibly a log of your keystrokes, to the fraudster. The fraudsters will use this financial information to compromise bank accounts, credit cards, etc.
To avoid getting phished you should never respond to email messages that request personal or financial information and never click on a link in such an email. Reputable organisations do not send unsolicited email messages asking their customers to update or verify their personal and security details. If you are in doubt about the legitimacy of the email, or if you think that you have been a victim of a phishing scam, you should contact the organisation in question immediately. You should, however, be careful to use the normal method you use to contact the organisation in question, rather than use any suggestions included in, or by responding to, the email.
Once the fraudsters have collected financial information of individuals via phishing, they are then in a position to abuse this information and steal money out of the compromised accounts. In order to cover their tracks, however, they recruit unsuspecting individuals to act as go-betweens by placing a variety of tempting job adverts on the Internet promising the chance to earn money quickly without expending much effort. These recruits are known as mules.
The bank accounts of the mules will be used to accept transfers of money from the compromised accounts. The mules will be asked to withdraw the money from their accounts in the form of cash and forward it, minus their commission, to the fraudsters using an international money transfer agency. The fraudsters can therefore maintain their anonymity, but there is a trail to the phishing mules, which can be followed by the authorities.
Be very careful about job offers which involve the acceptance and release of funds to a bank account in return for commission. Mules recruited by phishing fraudsters are money laundering and are likely to face criminal prosecution.