Terms and Conditions
HSBC Life SG Application Access Agreement
- Introduction
These terms and conditions (T&Cs) apply if you use HSBC Life SG Application or any of the services therein.
When we talk about "we", "our" or "us" in these T&Cs, we mean HSBC Life (Singapore) Pte Ltd. When we talk about "you" or "your" in these T&Cs, we mean you, our customer or the person who has downloaded or used HSBC Life SG Application.
Where more than one person is authorised to operate an account, every reference in these T&Cs to "you" is deemed to include each and all of the account holders and each and all of the persons authorised to operate the account. All of you are jointly and severally liable under these terms. - How we check it's you
To confirm it's you when using HSBC Life SG Application, we'll ask you for security details like a password, signature, biometric data or information you use with your device like a mobile phone number. - We may, in our discretion, decline or delay acting on any instructions as long as we're acting in good faith. The reasons for doing so include if:
1) We are verifying your identity or your instructions;
2) The value of your transaction is higher than any limits we set; or
3) We suspect there's been a breach of security.
We won't compensate you if there's a delay or you lose money as a result of our actions to keep your account safe.
We'll act on an instruction if we reasonably believe that it's given or authorised by you. We may do this even if your instructions conflict with any previous instructions you've given us. In this case, we will not verify the origin or authenticity of such instructions and they will be treated as irrevocable and binding on you whether or not there is any error or forgery or fraud concerning such instructions. We will not be liable to you in any way when we act on such instructions in good faith.
Any instruction given by you for your account will be carried out in the normal course of business. We do not warrant that any instruction will be carried out within a particular time period or in any particular order.
We may also refuse or stop carrying out any or all instructions, or reverse any actions carried out arising from your instructions if we are of the opinion that such instructions are unlawful, not properly authorised by you or for any other reason whatsoever. We have the right to require confirmation in writing of any transaction from you. You agree that in all the situations stated above, we will not be liable for any resulting damages and losses. - Make sure only your biometric data are registered on your device.
Biometric data means things like fingerprints, facial or voice recognition or a retinal image.
Don't use facial recognition if you have an identical twin sibling or if your facial features are undergoing a rapid stage of development (such as during adolescence).
Don't disable any function or settings provided by your device which could compromise your biometric data, for example, disabling Attention Aware features for facial recognition on iOS. - When HSBC Life SG Application might not be available
1) If we're undertaking maintenance or upgrades. We do this to make sure our services remain compatible with supported devices, browsers and operating systems. This might mean there are periods of time where the services are unavailable. We'll try to tell you before we do this.
2) If we're unable to provide it due to legal, regulatory, technical or other reasons beyond our control.
We'll let you know what operating requirements you'll need to access HSBC Life SG Application. If you don't meet these requirements, you may not be able to access HSBC Life SG Application. - Keep your browser, operating system and HSBC Life SG Application updated to the latest versions to ensure you have access to HSBC Life SG Application. If you're not up to date with the latest upgrades, some of our features and services may not be available.
Please also check your online or mobile service and contact your provider if access issues occur. - Instructions, getting advice and the information we display
Sometimes we quote exchange, interest or dealing rates or other prices in HSBC Life SG Application. These rates are just for information and the rate or price we confirm at the time of you agreeing to proceed might be different.
Please make sure you verify any data or reports before acting upon them, for example, market prices. - Please note that any instructions submitted on the portal will only be processed from the next working day.
If you want to change or cancel an instruction, tell us as soon as possible. We may not be able to act on your new instruction if we've already completed or started to carry out your initial instruction.
Please check any transaction confirmation that we send to you immediately and tell us straight away if you notice a mistake. You must provide any information we reasonably ask for about a transaction. - All charges incurred, if any, in accessing your account shall be solely borne by you.
- The HSBC Life SG Application was designed to meet the legal and regulatory requirements for our customers physically residing in Singapore. The HSBC Life SG Application is not intended for distribution, download or use by any person in any jurisdiction, country or region where this would not be permitted by law or regulation.
We will not be liable to any third party accessing HSBC Life SG Application from whatever location, for any direct, indirect or consequential damages which may occur due to the use or inability to gain access to the electronic services, information or materials on HSBC Life SG Application, or reliance on any such information or materials provided on HSBC Life SG Application even if we or any of our representatives have notified of this possibility of incurring such damages. - Your duty to take reasonable care
You must take all reasonable precautions to keep your mobile device and security information safe and prevent fraudulent use.
You'll be given a unique identifier which is your Username and a Password. You must only access your account through the use of your User ID and password. You must not disclose your password to anyone. If you know or have reason to believe or suspect that your password has been compromised, you must change your password and inform us immediately. - You'll follow any guidance and security measures we recommend. These include:
1) following any authentication instructions from us, including the guidance on using your Username and Password;
2) not letting anyone else use your security details including your Username or Password;
3) never writing down or otherwise recording your security details in a way that can be understood by someone else;
4) not choosing security details that may be easy to guess;
5) taking care to ensure that no one hears or sees your security details when you use them;
6) not disclosing your security details to anyone;
7) changing your security details immediately and telling us as soon as possible if you know, or even suspect, that someone else knows your security details, or if we ask you to;
8) keeping your security details and mobile device safe;
9) complying with all reasonable instructions we issue regarding keeping your security details safe;
10) not leaving your mobile device unattended or letting anyone else use your mobile device;
11) logging out of HSBC Life SG Application once you've finished using them;
12) not leaving HSBC Life SG Application running in the background whilst logged in (for example, whilst multi-tasking, or running other apps);
13) undertaking reasonable and adequate precautions to scan your devices for computer viruses or other destructive properties;
14) checking the information you provide when you're using the HSBC Life SG Application carefully to make sure it's correct;
15) only downloading our HSBC Life SG Application and its updates from official supplying app store and not from any unofficial sources; and
16) checking your records of transactions and statements and tell us straight away if there are any unauthorised transactions or discrepancies. - You must not use the HSBC Life SG Application on any device or operating system that has been modified outside the mobile device or operating system vendor supported or warranted configurations. This includes devices that have been "jail-broken" or "rooted". A jail broken or rooted device means one that has been freed from the limitations imposed on it by your mobile service provider and the phone manufacturer without their approval. Using HSBC Life SG Application on a jail broken or rooted device may compromise security and lead to fraudulent transactions. Download and use of the HSBC Life SG Application on a jail broken or rooted device is entirely at your own risk and we won't be liable for any losses or any other consequences suffered or incurred by you as a result.
After initial registration we'll never contact you (or ask anyone to do so on our behalf) with a request to disclose your security details in full. If you receive a request from someone (even if they're using our name and logo and appear to be genuine) then it's likely to be fraudulent. You must not supply your security details. You should report any such requests to us immediately. - You must:
1) tell us straight away if:
— you change your mobile number;
— your phone is lost or stolen; or
— your security details become known to someone else or you suspect they are known.
2) tell us as soon as possible if you become aware that your services or account are being used for, or in connection, with illegal purpose or activity.
3) ensure information kept on your mobile device remains secure;
4) delete the HSBC Life SG Application from your device if you dispose of it; and
5) follow any other reasonable instructions we give you.
You must give us information that we reasonably request so we can provide you with the services. If you don't, we may not be able to provide all the services to you. You need to ensure any information you give us is correct and up to date.
You can change your password for HSBC Life SG Application at any time using a Password Activation Request.
When making a Password Activation Request, you'll need to give us your Username and NRIC/ FIN/ Passport Number. This is part of our usual procedures.
Your new password will only be effective if it has been accepted by us. Once your password has been successfully changed, your use of your account through the use of your new password will be governed by this Terms and Conditions. - Co-operation with investigations
You'll help us and the police in trying to recover any losses when we ask you to.
This includes by:
1) facilitating our claims investigation or resolution process for any unauthorised transaction;
2) making a police report;
3) providing any relevant information.
We may disclose information about you to the police or other relevant third parties if we think it'll help prevent or recover losses. - What happens if you don't do these things
If you don't follow our guidance above and on our website or HSBC Life SG Application about how to stay safe online, you may be liable for any consequences of a security breach.
We'll always verify the identity of the person giving us instructions. If you let someone use your device or your security details, we'll assume they're you and act on their instructions as if it were you. This includes allowing someone to register their biometric data on your device. Our records of all transactions carried out on your account through the use of your User ID and password will be conclusive and binding on you.
Please be aware that you may be responsible for unauthorised transactions in some circumstances. This includes if you acted fraudulently or you were grossly negligent. - We may also publish some information on our website (www.insurance.hsbc.com.sg) or any digital platform. It's a good idea to check it frequently.
You represent and warrant any information you give us is accurate (to the best of your knowledge).
Let us know as soon as possible if your information has changed.
We can still process instructions based on your existing information or mandate.
We can use your existing contact details until we update your details in our systems.
We're not responsible for any loss or damage if a third party receives your communication. - Variations or Modifications
We may at any time, and in our absolute discretion make variations or modifications to the services offered on the HSBC Life SG Application without telling you first. This includes changes to the way we accept instructions or our operating hours or daily cut-off times.
Sometimes we will also need to update our T&Cs and may in our absolute discretion do so. We can only make changes when it's reasonable to do so.
We can't predict all of the reasons we may need to make a change, but common ones might be:
1) changes to laws or regulations;
2) changes to our business, technology, services or facilities we use;
3) complying with decisions or recommendations we have to follow, such as by a court, regulator or industry body or new industry guidelines or codes of practice; or
4) to cover the increased cost of offering a product or service.
We'll try to give you reasonable notice of any changes to our terms whenever possible. - If you continue to use HSBC Life SG Application after a change to our T&Cs, you will have accepted the change.
Any changes to the Terms and Conditions will be posted on HSBC Life SG Application. - Data Privacy
By applying for an account or using the electronic services, you acknowledge and consent for HSBC Life (Singapore) Pte Ltd and its respective representatives or agents to collect, use, store, transfer and/ or disclose the information, to or with all such persons (including any member of the HSBC Group or any third party service provider, and whether within or outside of Singapore) for the purpose of enabling HSBC Life to provide you with services required of an insurance provider, including the evaluating, processing, administering and/ or managing of your relationship and policy(ies) with HSBC Life, and for the purposes set out in HSBC Data Privacy Policy which can be found at https://www.insurance.hsbc.com.sg/. - Intellectual property and hyperlinks
Don't alter, reverse engineer or copy all or part of our HSBC Life SG Application. You must only use HSBC Life SG Application for making transactions, managing your account or using our services.
There might be hyperlinks to third party websites in our HSBC Life SG Application. We're not responsible for these websites.
"HSBC", "HSBC Life" and our Hexagon logo are registered trademarks. - Prohibitions
You can't use our HSBC Life SG Application on any other website without our written consent. This includes linking another website to HSBC Life SG Application.
The materials and information on HSBC Life SG Application belong to us. Such materials and information may not be posted, copied, distributed, uploaded or reproduced in any manner whatsoever. - Suspending, restricting and ending our relationship
You can tell us at any time if you want to end this agreement and no longer use our HSBC Life SG Application services.
We may also at our absolute discretion cancel your use of your account, vary, modify, withdraw, suspend or restrict your use of your account or any of the electronic services, at any time without notice to you and without giving any reason for example if:
1) You:
— have seriously or repeatedly broken your agreement with us in these T&Cs;
— use HSBC Life SG Application for business purposes;
— use HSBC Life SG Application for any illegal purposes or otherwise in an abusive, libelous, obscene or threatening way.
We:
— have evidence of a breach of security or misuse of your account or security details;
— reasonably believe it's necessary to keep your account safe. This includes if you've downloaded or installed any malware or other software that could compromise the security of your device or account;
— otherwise reasonably believe such action is required.
We will not be liable to you for any damages or losses that you may suffer as a result of such actions. - If you no longer have access to, or are having difficulty with, HSBC Life SG Application, please reach out to us at https://www.insurance.hsbc.com.sg/contact-us/
- Our liability
We won't be responsible for any issues caused by third party services or software, for example, instant messaging or video chat apps, etc. used with our accounts or services whether because of a delay in processing information or other issues unless:
1) we provided you with such third party services or software; and
2) such issues are caused by our mistake.
We won't be responsible for any issues caused by:
1) acting on, or failing to act on, instructions which are incomplete, inaccurate or that we do not understand;
2) acting on instructions given through the use of your UserID and password whether or not authorised by you;
3) any delay in acting on instructions, information or communication via HSBC Life SG Application where this is caused by events outside of our reasonable control;
4) recovery or attempts to recover any amounts you owe us;
5) enforcement of these terms;
6) any computer viruses, malware, malicious code or software or bugs on your device;
7) your reliance on any third party information feeds (this includes stock quotes and foreign exchange rates) materials, products or services.
8) any breach or failure to-observe any of these T&Cs by you or any other unauthorized person using your security details including your Username and Password;
9) software defects, hardware breakdowns, network vulnerabilities, malicious attacks, security shortcomings, hacking incidents, fraudulent activities and system failures which may occur despite our best efforts;
10) any interruption or ceasing of the operation or availability of your account.
11) any unauthorised use of and/or information relating to your account which is obtained by a third party as a result of your access to your account.
We'll only be responsible for direct loss in connection with HSBC Life SG Application if it was caused:
1) because we, or someone acting for us, acted negligently (this basically means where we didn't take proper care where we should have done) or fraudulently (this basically means being deceitful). This includes our employees, agents, information providers or the HSBC Group involved in the provision of HSBC Life SG Application;
2) by faults in our systems unless they are obvious or we've given notice about them. This includes systems we use to provide HSBC Life SG Application;
3) by unauthorised transactions occurring before you've established a Username and Password;
4) by unauthorised transactions conducted via HSBC Life SG Application as a result of a computer crime which should have been prevented by our risk control and management measures; or
5) because we failed to do something we agreed to do in these T&Cs, and the resulting loss you suffered was of a type and amount we could have expected as a result of those actions or failures.
You won't be responsible if it's reasonably clear that you couldn't have contributed to the loss.
There are other places in these T&Cs where we say we're not responsible for any losses – this is always subject to the above unless we say otherwise.
For the avoidance of doubt, the information provided on the HSBC Life SG Application are provided on an "as is" and "as available" basis. We do not give any warranties as to the accuracy, adequacy, completeness or reasonableness of the information and materials contained in or accessed through HSBC Life SG Application. We are not responsible for any errors in, or omissions errors in, or omissions from, such information and materials. We do not give any warranties of any kind, implied, express or statutory (including but not limited to, warranties of title, merchantability, satisfactory quality, non-infringement of third-party intellectual property rights, fitness for a particular purpose) in connection with such information and materials, or HSBC Life SG Application in general.
The information and materials provided on HSBC Life SG Application are for your information only and we will not be liable to you for any losses or damages suffered as a result of any action you may take or omit to take in reliance of the information and materials contained in or accessed through HSBC Life SG Application. - Confidential Information
Information we provide via HSBC Life SG Application is confidential to us, the HSBC Group and any of our relevant third party information providers. You don't own or have rights over this confidential information or HSBC Life SG Application which means you must not:
1) Share it with others unless you legally must;
2) Download, copy or sell it;
3) Remove or change our branding such as our trademark or copyright notice;
4) Combine or include it with other content; or
5) Represent or infer you own it in any way.
You don't own and have no right, title or interest to our confidential information, or any related copyright, patent, trademark, service mark, proprietary property, trade secret or exclusive work.
All ownership of HSBC Life SG Application remains with us. - Records
Our internal records will take priority over any other records or information about your account.
We can rectify any error which occurs in our systems or information or take any action as appropriate on a case-by-case basis.
Your use of your account and/or password to access or use HSBC Life SG Application will be recognized as your electronic signature and will be legally binding. You accept that electronic records will be admissible as original documents in any court of law and you agree that you will not challenge or dispute the accuracy or authenticity of such records. - Severability
If part of our T&Cs or all of it becomes invalid, illegal or unenforceable under the law of any jurisdiction, that won't affect or impair the validity, legality and enforceability of such provision in any other jurisdiction or the remaining provisions of this agreement or any part it. - Survival on termination
To the extent permissible by applicable law, the content of these T&Cs will continue to apply after it has been terminated or your account has been closed or your relationship with HSBC Life has ended. - No waiver
If you breach these terms, we may not take steps to enforce our rights straight away. We can decide when to take these steps. Any delay is not a waiver of our rights. We'll only waive our rights in writing. - All rights cumulative
The rights and remedies in these terms are cumulative and not exclusive of any other rights or remedies (whether provided by law or otherwise). This means we can choose more than one right or remedy to enforce. We can also choose a number of rights or remedies over time. - Governing Law and Jurisdiction
We hope that we're always able to resolve issues between us. If we can't and we end up going to court, this agreement is governed by the laws of Singapore. You submit to the non-exclusive jurisdiction of the courts of Singapore.