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Site Terms and Privacy Statement

This information sets out the Terms and Privacy Statement ('Terms') of firstdirect.com and any sub-domain e.g. mortgages.firstdirect.com (the 'Site'). This Site is operated by first direct and we are a division of HSBC Bank plc, which is owned by HSBC Holdings plc. By accessing this Site, you agree to be bound by the Terms. Before using this Site, you should read the Terms carefully, as well as our Cookie Policy ('Cookie Policy').

HSBC Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and is listed with the reference number 114216. HSBC Bank plc is a company incorporated under the laws of England and Wales with company registration number 14259 and its registered office is at 8 Canada Square, London E14 5HQ. HSBC Bank plc's registered VAT Number is GB 365684514.

HSBC Bank plc is a member of the Financial Ombudsman Scheme and adheres to The Standards of Lending Practice (PDF). For information about accounts and other products you can refer to the Money Advice Service website.

What do you mean by...?

When we say...

we mean...

Content

all pages, screens, information and materials included in or accessible through this Site (including any content available on any email or SMS services)

The site

the first direct website (firstdirect.com) and sub-domains (e.g. mortgages.firstdirect.com)

Terms

these conditions of use

We, us, our

first direct, a division of HSBC Bank plc

You, your, yours

you, the person(s) accessing this Site and the party on whose behalf you are doing so

HSBC Group

HSBC Holdings plc, its subsidiaries and associated companies from time to time

Site terms

These Terms cover your use of this Site. All products and services provided by members of the HSBC Group have their own terms and conditions (the 'Product Terms'). You must read both the Product Terms and these Terms. To the extent that the Product Terms conflict with these Terms then the Product Terms will prevail.

Privacy Statement

This privacy statement sets out our current policies and demonstrates our commitment to your financial privacy. We may change the content or services found on our Site at any time without notice, and consequently our privacy statement and the Terms may change at any time in the future. You should also read our Cookie Policy to find out more about how first direct and HSBC and our trusted partners use cookies, which is relevant to your online security. We use cookies to make our website more secure and easier to use.

We provide financial products and services through our affiliated companies and branches located worldwide. Privacy and personal data protection principles vary from one country to another. When you access or link to any other website, please read the privacy and data protection statements or agreements issued by such other website to determine the policies that apply to information or data maintained by that website.

first direct's business has been built on trust between us and our customers. To preserve the confidentiality of all information you provide to us:

  • we will only collect information that we believe to be relevant and required to understand our customer's financial needs and to conduct first direct's business
  • we will use customer information to provide customers with better customer services and products
  • we may pass customer information to other HSBC Group companies or agents, as permitted by law
  • we will not disclose customer information to any external organisation unless we have customer consent or are required by law or have previously informed the customer
  • we may be required, from time to time, to disclose customer information to Governmental or judicial bodies or agencies or our regulators but we will only do so under proper authority
  • we aim to keep customer information up-to-date
  • we maintain strict security systems designed to prevent unauthorised access to customer information by anyone, including first direct staff
  • all first direct and HSBC group companies, or first direct staff and all third parties with permitted access to customer information are specifically required to observe HSBC's confidentiality obligations.

By maintaining our commitment to these principles, we'll ensure that we respect the inherent trust that you place in first direct.

Information, not recommendation

Information or opinions contained on this Site do not constitute an offer to sell or a solicitation, or offer to buy, any securities or financial instruments or investment advice or any advice or recommendation in respect of such securities or other financial instruments.

If you rely in any way whatsoever upon any content contained on this Site, you do so at your own risk.

Before you make any decision or take any action that might affect you or your personal finance, you should always consult suitably qualified professional adviser(s) to obtain appropriate financial, legal, accounting, tax and other advice.

Users of the site

The Site is currently intended for those who access it from within the United Kingdom. Because of this, we can't guarantee that the Site or the information within it complies with law or regulation, or is appropriate for use, in other places.

You are wholly responsible for use of the Site by any person using your computer, and you must make sure that any such person complies with these Terms.

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 isn't 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 shouldn't 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 Authorised Countries - Authorised Countries being any jurisdictions where HSBC Bank plc is licensed or authorised to perform such activities.

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 aren't discussed on Your Local Site, information about such products may be accessible on another HSBC website. Products and services discussed outside Your Local Site may not be available in your jurisdiction or residence or in the Authorised Countries and may not be appropriate for you. Your use of this Site is subject to the applicable laws and regulations of any relevant jurisdiction. HSBC Group members may decline to provide you with products and services subject to status.

Products discussed on this Site may not have been registered or authorised 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 law, banking laws and other relevant laws and regulations of your country of residence with respect to products or services referred to on or through the 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 request for information you have made as a result of visiting this Site are not the result of an offer made by HSBC Bank plc 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, and in particular we do not exclude or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000 (the ‘Act'), or the rules of the FCA for the conduct of business.

While we have taken reasonable steps to ensure the accuracy, currency, availability, correctness and completeness of the information contained on the Site, information 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 or implied. The use of the Site is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the Site, to the maximum extent permitted by law.

We don't represent or warrant that the Site will be available and 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 must take sole responsibility for adequate protection and back up of data and/or equipment, and you must also undertake 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.

Third party sites and endorsements

When we give hypertext links to other locations on the Internet, we do it for information purposes only. We're not responsible for the content of any other websites or pages linked from or to this Site, and we haven't verified the content of any sites we link to. If you follow links to any other websites or pages, this is at your own risk, and we won't be responsible or liable for any damages or losses connected to anything you click on. Links to downloadable software sites are for convenience only - we're not responsible or liable for any difficulties or consequences associated with downloading or using 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 our Site.

Trademarks and copyright

Copyright of all pages, screens, information and material in their arrangement included in this Site is owned by or licensed to HSBC Bank plc, unless otherwise noted. You can print, copy, download or temporarily store extracts from our Site for your personal information, or when you use our products and services, but you must not alter anything and any other use is prohibited without securing our written permission first. 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.

Internet e-mail

Messages sent over the Internet cannot be guaranteed to be completely secure - they could be intercepted, lost or possibly altered. We can't and won't take responsibility for this, and won't be liable to you or anyone else for any damages or otherwise, in connection with any message sent - either by you to the Bank, or by the Bank to you - over the Internet.

Social media

first direct operates channels, pages and accounts on some social media sites to inform, assist and engage with customers. Unless we say otherwise, these are intended for UK customers. We monitor and record comments and posts made on these channels about first direct so that we can improve our services.

first direct is not responsible for any information posted on those sites unless we posted it ourselves. We use them as channels of communication - we don't endorse the social media platforms themselves, nor do we endorse any information posted on them by third parties or other users.

first direct doesn't give investment, tax or other professional advice via social media sites - if you're looking for help making decisions like this, you need to seek independent advice.

When you engage with first direct via social media your personal data may be stored on that social media site's servers, which are outside the control of first direct and may be in the US or elsewhere outside the EU. In addition, anything you post on these sites may be accessed and read by the general public. Because of this, social media channels really aren't a sensible place to discuss your products or financial arrangements. first direct will never ask you to share personal, account or security information via social media sites, and you should not post such information on those channels.

We enjoy being social, and first direct regularly updates and monitors social media accounts, welcoming feedback and ideas submitted via these channels. We also try to join the conversation whenever possible. However, we can't guarantee that we'll reply individually to all messages received via these channels - if you need to get in touch and receive a definite response, it's much better to call us or send a Secure Message via Internet Banking. In a similar vein, while we'll always make sure that emerging themes and helpful ideas are passed on to the right people in the building, we can't guarantee that your amazing idea for Free Money Mondays will be acted upon. Sorry...

Twitter

We operate two official first direct Twitter accounts:

www.twitter.com/first_direct

www.twitter.com/firstdirecthelp

If either of these first direct accounts follow another Twitter user, this does not imply endorsement of any kind.

Facebook

We operate one official first direct Facebook account:

www.facebook.com/firstdirect

This page has its own terms of use, which you'll find on the Facebook page itself.

Governing law

The Terms are governed by, and interpreted in accordance with, the laws of England and Wales, the courts of which will have non-exclusive jurisdiction in any disputes that may arise.

Your queries

If you wish to contact first direct, please refer to our contact us page.