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* Terms and Conditions for Internet Banking * * *
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YOU MUST READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THE SERVICES. BY REGISTERING TO USE THE SERVICES, YOU SHALL BE DEEMED TO HAVE ACCEPTED AND BE BOUND BY ALL THESE TERMS AND CONDITIONS.

Electronic Banking Services - Terms and Conditions

1. About these Terms and Conditions
These Terms and Conditions apply to HSBC Bank Middle East Limited ’s (“HBMEâ€) Internet Banking Services. The Terms and Conditions operate in conjunction with the terms and conditions applicable to Account(s) you access using these services. If there is an inconsistency, these Terms and Conditions prevail.

Please read these Terms and Conditions before using these services. If you do not understand any part of them, or if you have any questions, please speak with a staff member at any HBME branch or call HBME's Contact Centre on 0800 22 044 (Jordan) or + 9714 227 4310 (outside Jordan).

Accounts which are currently accessible by these services are detailed on our Products and Services page.

2. Defined terms
"Account" means an account you have with HBME operable through its branches in Jordan, which HBME has determined, is accessible by the Service.

"Account Holder" means a person who has entered into a contract with HBME for the Service who has an Account in their own name or a joint Account in respect of which HBME may act on the instructions of any one or more of them.

“JOD†means the Jordanian Dinar.

"Banking Day" means any day on which banks in Jordan are open for business.

"HBME" means HSBC Bank Middle East Limited, Post Office Box 925286, Amman 11190, Jordan, operating through its branches in Jordan.

"Instruction" means any request or instruction to HBME which is effected through the Service by use of a PBN and Password.

"Internet Banking Service" means the service that HBME makes available through the internet network to enable the electronic receipt and transmission of information and Instructions (including in relation to an Account).

"Payment Cut-Off Time" means:

  • In relation to a JOD payment being made to another bank, 14:00 hrs Jordan time.
  • In relation to a payment made in any currency to an Account within HBME-Jordan is effected instantly.
  • For payments in a currency other than JOD, the cut-off times may vary (please refer to HBME's Cut-Off Times for further information).

"PBN" means your ten digits Personal Banking Number by which HBME identifies you.

"PIN" means your six digits Personal Identification Number supplied to you by HBME for accessing the Phone Banking Service. When you first register for internet banking service, you will use your existing 6-digit Phone Banking PIN for registration. You will then select a new six character “Password†and reconfirm your choice. Your unique “Password†will be used every time you logon to internet banking service. The new “Password†is a 6-character alpha, numeric, or alpha-numeric Password.

"Service" means the Internet Banking Service.

"Telephone Banking Service" means the Telephone Instruction and information service made available by HBME's Call Centre twenty-four (24) hours, seven days a week every day of the year.

"Terms" mean these terms and conditions, as amended from time to time.

"You" means an Account Holder who has accepted these Terms and "your" has a corresponding meaning.

3. Acceptance
When you use the Service, you accept these Terms.

If you have previously used the Service, your first use of the Service after publication of these Terms indicates your acceptance of them.

4. Using the Service
This Service can be used to:

  • obtain the balance of any Account, transfer funds to or from any Account, view your accounts, make standing order payments in relation to any Account and update your personal details held by HBME for any Account.
  • make a payment transfer from any Account to another person's account with HBME within Jordan or another financial institution which includes the foreign branches of HBME or to another account you hold with another financial institution provided that the aggregate amount of such payments on any day does not exceed JOD 5000 or the equivalent, if being made in a foreign currency.
  • place orders for the purchase or sale of foreign currency provided that the currency purchased is to be transferred between Accounts. If placing orders for the purchase or sale of a foreign currency involving an amount equivalent to JOD 50000, any rates provided will be indicative only. The rate of exchange to be applied will be the applicable rate in force at the date and time at which the relevant transaction is processed by HBME.

If you give an Instruction on a Banking Day to make a payment from an Account after the Payment Cut-off Time it may be processed on the next Banking Day.

If you give an Instruction to make a payment between any Accounts with HBME Jordan it will be effected instantly.

If you give an Instruction to make an JOD transfer to any account not held with HBME either after the Payment Cut-off Time or on any day which is not a Banking Day it will not be made until the next Banking Day.

If you give an Instruction to transfer a currency (other than JOD) to an account with any other bank after the Payment Cut-off Time, it will be made on the next day which is both a banking day in Jordan, the country of the beneficiary account and the center for the relevant currency.

5. Access to the Service
You agree that any person who supplies HBME with your PBN and Password may be allowed access to the Service and to any Account. You acknowledge that HBME will not make a payment to another person unless the correct PBN and Password are supplied to it.

You agree that HBME may delay acting upon an Instruction or ask for more information before acting on an Instruction.

HBME may specify limits on transaction types and values in respect of certain Accounts or the Service and may refuse to act on an Instruction if a transaction exceeds a particular limit. Please refer to Frequently Asked Questions and Help text under ‘Transfer’ option for details of limits governing the Service.

Where HBME has Instructions for more than one payment from an Account on the same day, it will determine the order or priority in which the payments are made.

HBME may reset your PBN or Password at any time, by notifying you in writing. You may change your Password at any time.

6. Security of your PBN and Password
You must keep your PBN and Password secure and take steps to prevent unauthorised use of them. You must not tell or disclose them to another person or allow them to be seen by another person (including family or friends). You must not keep a record of them in a way which they can be determined by another person. You must not record them together. You must not select a Password which represents your birthdate or a recognizable part of your name.

HBME may from time to time provide guidelines for ensuring the security of a Password or PBN. The guidelines will provide examples only of security measures and will not determine your liability for any unauthorised Instruction on your Account. Liability for such transactions will be determined in accordance with clause 9 below.

7. What to do if your PBN or Password is lost or stolen or otherwise compromised
You must notify HBME immediately if a record of your PBN and/or Password is lost or stolen or you become aware or suspect another person knows your PBN or Password or has made unauthorised use of the Service.

You should notify HBME in Jordan by calling our Contact Centre on 0800 22 044 (Jordan) or + 9714 227 4310 (outside Jordan) at any time. HBME will then cancel your Password and arrange for you to select a new one.

HBME may cancel a PBN or Password at any time without notice if it believes either is being misused.

You agree that HBME may disclose information about you or your Account to the police or other third parties if it thinks it will help prevent or recover losses.

8. Records and statements
You should carefully check Account records and statements when you receive them. If you believe that there has been a mistake in any transaction using the Service, or an unauthorised transaction, you must notify HBME immediately by calling our Contact Centre on 0800 22 044 (Jordan) or + 9714 227 4310 (outside Jordan).

Our records will be evidence of your dealings with HBME in connection with the Service. You agree that our records are true and binding and you waive any right to challenge the correctness of these records.

For Non-Insurance Based Products:
The values shown for your non HSBC investments are based on the details of your investments held in our records and will not have been adjusted to reflect any sales or purchases made by you directly. We have no liability or responsibility for any inaccurate or incorrect information provided by any third party.

For Insurance Based Products:
Your investments in insurance based products are quoted at the investment value as at the purchase date. The figures shown are the aggregate amounts invested by you and NOT the current value of your investments.

9. Liability for Unauthorised Transactions
You will be liable for any loss of funds arising from any unauthorised transaction on your Account if the loss occurs before you notify HBME that your PBN or Password has been misused, lost or stolen or become known to someone else and if you contribute to the loss because:

  • your fraud, your failure to look after and keep your Password or PBN secure in accordance with clause 6 or your extreme carelessness in failing to protect their security is the dominant cause of your loss; or
  • your unreasonable delay in notifying HBME of the misuse, loss or theft of your PBN or Password or of them becoming known to someone else and the loss occurs between the time you did, or should reasonably have, become aware of these matters and the time you notify HBME.

However, your liability will not exceed the lesser of:

  • the credit balance of the Account plus any pre-arranged credit limit; or
  • the amount you are able to withdraw from your Account on the day the unauthorised transaction takes place. You will not be liable for losses which are incurred:
  • before you have received your PBN and/or Password;
  • if the transaction occurs after you notify HBME that your PBN or Password has been misused, lost or stolen or become known to someone else;
  • that is caused by the fraudulent or negligent action of HBME’s employees or agents, of companies involved in networking arrangements for the electronic transfer of funds or of merchants linked to that system, their employees or agents;
  • that is related to an access method (including a Password or PBN) which is expired, cancelled, faulty or forged; or
  • that is caused by the same transaction being incorrectly debited more than once to the same Account.

10. Liability
Subject to clause 9 and to the extent permitted by law HBME will not be responsible for any damage or loss including legal costs, whether consequential or not, caused because of access to or inability to access the Service, except where it is because of negligence or willful default on the part of HBME or breach of a condition or warranty implied by statute in contracts for the supply of goods and services and which cannot be excluded, modified or restricted.

HBME's liability for breach of any such non-excludable rights is limited, at the option of HBME, to the supply of the services again, or to the payment of the cost of having the services supplied again.

You will be liable for and agree to indemnify HBME against any loss or damage HBME may suffer because you did not observe your obligations under these Terms or acted negligently or fraudulently when using the Service.

11. Complaint procedure
If you have a concern with the Service please contact HBME by calling our Contact Centre on 0800 22 044 (Jordan) or + 9714 227 4310 (outside Jordan). HBME will try to resolve your query as soon as possible, however some problems are complicated and may take time to resolve. For example, if there is a dispute over who is liable for a loss resulting from an unauthorised transaction, you will be asked to complete and sign a form providing further information.

HBME will investigate your complaint, and within 21 days of receiving your complaint write to you explaining the outcome of its investigation or, if more time is needed, how the problem will be handled and when you can expect a reply. Except where HBME is awaiting a response from you, it will provide you with monthly updates on its progress should the investigation take longer than 45 days to complete.

When HBME notifies you of the result, it will also advise you of the reasons for its decision. If your Account is found to have been incorrectly credited or debited, HBME will adjust your Account accordingly and notify you of this. If you are not satisfied with the decision, you may wish to take the matter further.

12. Information
You authorise us to pass information about you and your accounts to other members of the HSBC group and third parties through and in various countries and territories, including the UK for the provision of the internet banking service. Such information will be processed in accordance with our instructions.

HBME is a member of the HSBC Group of Companies, one of the world's largest Banking and Financial Services organizations. The HSBC Group comprises HSBC Holdings Plc, its subsidiaries, including HSBC Bank Middle East, and associated companies and their various departments and businesses. HBME may share information about an Account Holder with other members of the HSBC Group of Companies or third parties as detailed in the Privacy and Security Statement.

13. Changes to these Terms
HBME reserves the right to change these Terms and any other information it has issued about the Service at any time. If HBME introduces a new fee or charge, increases your liability for losses or adjusts any periodic transaction limits you will be given at least 30 days notice by such method as HBME shall decide. Notice of any other change will be given in writing (for example on Account Statements or on our Web Site) or by an advertisement appearing in the press no later than the date on which the change takes place.

14. Fees and Charges
If you use the Service to effect a transaction you may incur a fee on the Account you access. The fees and charges payable in respect of transactions are those detailed in HBME's Fees and Charges and are shown in our branches (at the time the relevant transaction is undertaken).

15. Electronic Advertising
From time to time HBME may advertise its own products or services and those of other companies in the HSBC Group of Companies on the website through which you access the Service. If, in relation to other agreements between you and HBME, you have asked it not to send you any marketing material (or if you do so in the future), you agree that this restriction will not apply to these electronic advertisements and consent to receiving them when accessing HBME’s internet website and/or Service.

16. Security of Internet Banking
HBME uses a very high level of encryption to protect your transactions and Accounts from unauthorised access. The use of such levels of encryption may be illegal in certain jurisdictions. It is your responsibility to ensure that your ability to use the Service is permitted by local law and HBME shall not be liable for any loss or damage suffered by you as a result of not being able to use the Service in these jurisdictions.

You are responsible for acquiring and maintaining any equipment required for your continued access to and use of the Service (such as your telephone or computer), and for your own computer's anti-virus and security measures.

You agree not to interfere with or damage (or attempt to interfere with or damage) any PBN, Password, data or software associated with the Service.

17. Recording Telephone Calls
HBME may record telephone calls made to HBME’s Contact Centre for transaction verification and quality control training purposes.

18. Termination
You may stop your use of the Service at any time by giving written notice to HBME.

HBME may terminate the Service at any time by giving you a written notice.

Bill payments or funds transfers for which Instructions have been given and which are scheduled to be made after your use of the Service is terminated may not be effected by HBME.

19. Governing law
Our agreement with you on these Terms and the transactions carried out under it are governed by the law in force in Jordan. Both you and HBME submit to the non-exclusive jurisdiction of the courts of Amman / Jordan in respect of any dispute.