Terms & Conditions

HSBC Personal Internet Banking/Mobile Banking Service Agreement 

The HSBC Personal Internet Banking/Mobile Banking Service Agreement ("this Agreement") sets out the rights and obligations between you and HSBC Bank (Taiwan) Limited ("HSBC") with respect to use of the Internet Banking/Mobile Banking services ("the Service") in Taiwan. To ensure your rights, HSBC suggests that you read this Agreement carefully before using the Service.

A. Bank name: HSBC Bank (Taiwan) Limited (hereinafter referred to as "HSBC")

B. Customer complaint hotline: 0800-050-018

C. Customer service hotline: 02-6616-6000

D. Website: www.hsbc.com.tw

E. Address: 54F., No. 7,Sec. 5, Xinyi Rd.,Xinyi Dist., Taipei City 110

F. Fax No.: 02-66389388

G. Email: customervoicetwm@hsbc.com.tw

A. This Agreement contains the general terms and conditions applicable to the Service provided by HSBC to you. Unless otherwise provided for by another contract, the use and operation of the Service by and between you and HSBC shall be governed by the terms and conditions as stipulated in this Agreement.

B. Any individual contract shall not be in conflict with this Agreement, unless the individual contract is more favorable to customers.

C. Any dispute over the terms and conditions herein shall be interpreted in favor of customers.

A. "Internet Banking/Mobile Banking": You may undertake banking activities or transactions directly with HSBC without going to the branches once your computer or mobile device (including smart phone or any other portable devices with a connection function to the mobile Internet) with the download of the HSBC Taiwan application program (HSBC Taiwan app) is connected with the computers of HSBC via the Internet.

B. "Short Message Service" shall mean the financial message notifying services provided by HSBC through short message transmission to your mobile phone.

C. "Electronic Message": The logs sufficient to express the intent of HSBC or you as produced by HSBC or you for electronic processing based on the text, audio, picture, image, symbol or other information transmitted via the Internet, in an electronic form, or in any other manner unidentifiable by others through personal perception.

D. "Business Day": shall mean Monday through Friday or any holiday(s) to be changed as working day(s) announced by the government except for national holidays, holiday(s) announced by the government, and days on which HSBC is not providing services.

E. "Business Hours" shall mean 09:00 a.m. to 03:30 p.m. on each Business Day. HSBC may announce different Business Hours due to the characteristic of the services.

F. "Transaction Data Signing": You have to input last 8 digital of beneficiary-account number into your HSBC Taiwan app/Security Device to generate a security code to authorise your transfer transaction.

G. Biometric Authentication: Biometric authentication is to use the fingerprint or face recognition that built in your mobile device to authenticate your identity when you log on to the HSBC Taiwan app.

A. HSBC shall perform the duty of care as a good administrator to maintain the accuracy and safety of the website or service of HSBC Taiwan app download, and also remain alert for any fake HSBC website, to prevent your interests and rights from being damaged.

B. Before using the service, please verify the uniform resource locator (URL) of the HSBC website. Before using Mobile Banking, please properly download and install of the HSBC Taiwan app; if you have any questions, please call HSBC Call Center at 02-6616-6000.

C. HSBC shall advise you of the risk over the internet banking/mobile banking’s application environment in a manner commonly can be known by the general public.

A. You must have opened account with HSBC, and shall visit HSBC website to complete the online register and activate the security code to use the Service.

B. You must download the HSBC Taiwan app to your portable devices to use Mobile Banking via a portable device (smart phone or tablet), and register biometric credential and HSBC Taiwan mobile banking PIN by using or security code (generated from user password+ SMS One Time Password or Security Device).

C. If you are already logged in Internet Banking/ Mobile Banking on a computer or mobile device and log in on another computer or mobile device, your first computer or mobile device will be automatically logged off. 

D. You agree that HSBC may temporarily suspend the Service in case of HSBC system suspension or if the transfer or other transactions cannot be performed due to other reasons, and agree to handle relevant transaction matters by using other channels/methods by yourself.

E. HSBC shall not be held liable if the Service cannot be provided due to any dependencies with the business hours of the Financial Information Service Co, Ltd. and/or other financial institutions.

F. The services to be provided under this Agreement are specified as follows, provided that where the services shall be added or reduced upon HSBC system operation constrain or determination of the competent authority or HSBC. The exact service to be offered will depend on the announcement made on HSBC website with respect to Internet Banking or Mobile Banking. Where any relevant information is posted on the website, HSBC shall ensure the accuracy thereof and bear the obligation no less than the contents of the website:

(a) Account summary

(b) Transfers

(c) My investment Portfolio

(d) Term Deposit

(e) Rate Enquiry

(f) Statements 

(g) Other items approved by the competent authority or consented by HSBC

A. Some of the remittance, transfer or other permitted transaction you process under the Service shall follow the Transaction Data Singing process and be subject to HSBC transaction amount limits of per transaction, per day and per month. HSBC reserves the right not to execute your transaction instruction or to cease the Service if your contemplated transaction amount exceeds any of the abovementioned limits, or if the balance in your account is insufficient for the contemplated transaction amount.

B. HSBC may adjust the limits of per transaction, per day and per month at any time and announce such adjustments on the HSBC website.

A. The parties agree to use the Internet for Electronic Message transmission and receipt.

B. Each party shall separately enter into an internet service agreement with the respective internet service provider and bear the costs with respect to its usage of the internet.

C. When using the Service for domestic or cross-border remittance or account-transfer, if there is any loss caused by circumstances which can be attributed to other banks or internet service providers, or by internet disconnection due to the condition of the your computer or portable device, HSBC shall not be liable for such loss. However, HSBC agrees to provide necessary assistance.

A. Upon receiving the Electronic Messages for identification as agreed by you and HSBC, except the inquired items, HSBC shall provide the webpage containing the important information in the Electronic Messages to you for reconfirmation, and proceed immediately with the verification and handling of such Electronic Messages, and shall notify you of the result of the verification and handling through Electronic Messages or phone call.

B. If the content of any Electronic Messages transmitted by HSBC to you or vice versa is indiscernible or unidentifiable, the transmission shall be deemed nonexistent ab initio. However, if HSBC can verify your identity, it shall immediately notify you of such situation through Electronic Messages or phone call.

C. If your mobile phone is lost, stolen or any other similar situation exists, you shall immediately notify HSBC to terminate the Short Message Service. If you fail to do so and such leads to a failure of messages transmission, HSBC shall not be liable to the damage you suffered thereby.

A. If there exist any of the following situations, HSBC may not execute your instructions, or before the disappearance of any of the following situations, HSBC may suspend the execution of your instructions. Any consequences thereof shall be borne by you.

(a) If HSBC acknowledges or reasonably doubts that there is a potential breach of security or misuse of your account or security details in your device or account (including but not limited to any malware, software or programs that may compromise the security of your device or account), or you are involved with any irregularity in the use of the Service;

(b) If HSBC has reasonable doubt with respect to the authenticity of the Electronic Message or accuracy of the instructions;

(c) The execution of the relevant instruction would violate relevant laws or regulations;

(d) HSBC cannot successfully deduct the fees payable by you from your account because of the cause attributable to you.

B. If HSBC does not execute or suspend the instructions contained in the Electronic Messages, HSBC will notify you of the situation and its reasons through Electronic Messages or phone call according to the contact information provided by you. You may call HSBC for verification after receipt of the notice. HSBC disclaims any responsibility for the non-execution of Electronic Messages caused by poor transmission signals provided by the internet service provider.

A. The Electronic Messages will be processed automatically by the computers of HSBC, and the Electronic Messages transmitted by you may not be withdrawn upon verification of the accuracy thereof by the re-check mechanism provided by HSBC. For the transactions yet to be executed, from the arrival of the Electronic Messages at HSBC to the preceding Business Day of the contemplated execution date of such transactions, you may withdraw or modify the Electronic Messages.

B. If, after the Electronic Messages are transmitted to HSBC via the Internet, the time of processing the information goes beyond the Business Hours of HSBC (9:00AM~3:30PM), HSBC will immediately notify you of such situation through Electronic Messages or phone call, and the processing of the transaction will be postponed to the next Business Day, or agreed otherwise.

A. HSBC Internet Banking / Mobile Banking Service:

(a) You agree to pay the service fees, commission and postage according to the rate as agreed and to authorize HSBC to debit the same from your account automatically, for your use of the Service, provided that HSBC shall not charge any items not recorded.

(b) Upon adjustment of the rate referred to in the preceding subparagraph hereafter, if any, HSBC shall post the adjustment in a prominent manner on the Bank's website, and inform you of the same via electronic mail or phone.

(c) Where the fees are raised upon the adjustment referred to in Subparagraph (b), HSBC shall enable you to choose whether you agree to the raise on the website. If you fail to show agreement to the raise prior to the effective date of adjustment, HSBC will suspend the Services provided to you, in whole or in part, as of the effective date of adjustment. Where you agree to the raise after the effective date of adjustment, HSBC shall resume the Services to be rendered under this Agreement.

(d) The publication and notice of the raise referred to in the preceding subparagraph shall be made within 60 days prior to the effective date of adjustment, and the effective date of adjustment shall be no earlier than the starting date of the following year after the publication and notice.

B. Short Message Service:

Short Message Service is, at present, provided to you free of charge. However, data charges may be levied by your mobile service provider if you use international roaming. You shall be notified of any future changes made to the fee schedule for Short Message Service through short message(s). You shall be deemed to have accepted the changes if you continues to use the Service after such notice.

C. Investment in Domestic and Offshore Funds through Non-discretionary Trust:

Commencing on the date when you begins to use the Service, you shall pay fees according to HSBC's Tariff on Unit Trust Service and authorize HSBC to deduct such fees automatically from your account. If your account balance is insufficient, HSBC may suspend the provision of the Service. The fees payable to HSBC by you do not include taxes. If there is any tax payable, you shall pay such tax separately and authorizes HSBC to deduct the tax amount from your designated account.

A. You shall install the required computer software, hardware and other security-related equipment in your own computer. Any costs and risk relating to such installation shall be borne you.

B. If the above software, hardware and other related documents are provided by HSBC, you may use same only within the service scope limits, and shall not transfer or by any other means provide same to any third party. HSBC shall also specify the minimum software/hardware requirements enabling the Service on the website and the packaging of the software/hardware provided by it, and shall bear the risk over the software/hardware provided by it. To enhance the security of the Service, HSBC shall notify you in a conspicuous place on the HSBC website or other ways before upgrading software or hardware related equipment. If you cannot follow HSBC's instruction for the upgrade, you may not be able to use the Service.

C. You shall return the equipment and related documents provided by HSBC immediately upon termination of this Agreement.

A. If HSBC and you have so agreed, the connection may only be started after the required tests have been completed in coordination with HSBC.

B. You shall preserve the user name, password, Security Device PIN, security code (generated by HSBC Taiwan app or the Security Device) and HSBC Taiwan mobile banking PIN for the Service, and the required computer software, hardware, related documents provided by HSBC and any other tools sufficient to verify one's identity in your custody and keep same confidential, and shall not disclose or provide same to any third party. You shall not use common identifiers, such as a birthday, telephone numbers, vehicle numbers, etc, as your security code, and shall not use the above for purposes irrelevant to this Agreement.

C. When using HSBC Taiwan mobile banking service, if you input the HSBC Taiwan mobile banking PIN or biometric credential incorrectly for five times in a row, you have to input user password+ SMS One Time Password or Security Device PIN to authenticate your identity and re-set mobile banking PIN. If user password+ SMS One Time Password or the Security Device PIN is also incorrect, to ensure the security of your account, HSBC will automatically stop your use of the Service. Under such circumstance, HSBC may consider the security code invalid and cancel it. If you wish to resume such use, you shall submit an application to HSBC for resumption. Prior to the application accept by HSBC and new password is effective, HSBC will not be able to provide the service to you.

D. When using Internet Banking Service, if you input the HSBC Taiwan app /Security Device PIN incorrectly for three times in a row, you have to follow up the system instruction to input your relevant personal information and HSBC Taiwan app /Security Device PIN to log on the system. If you input the incorrect information or PIN twice, HSBC will automatically stop your use of the Service. If you wish to resume such use, you shall submit an application to HSBC for resumption. Prior to the application accept by HSBC, HSBC will not be able to provide the Service to you.

E. Your Internet/Mobile banking username cannot be changed once it is registered. In the event that you have not been accessed/logged-in to the Service for 4 years, the Service provided to you shall be suspended. You shall apply with the Bank to re-activate the Service.

F. You must not use the Service 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. The use of the Service on a jail broken or rooted device may compromise security and lead to fraudulent transactions. Download and use of the Service in a jail broken or rooted device is entirely at your own risk and the Bank will not be liable for any losses or any other consequences suffered or incurred by you as a result.

A. At the first time when you log on to HSBC Taiwan app, if you choose to use Biometric Authentication, you must register biometric credential (face recognition or fingerprint recognition) by using security code (generated from user password+ SMS One Time Password /Security Device). The biometric credential which is successfully registered will then be used to authenticate your identity when you log on to HSBC Taiwan app. 

B. The activation of Biometric Authentication in HSBC Taiwan app is optional. When you activate Biometric Authentication feature, you agree that HSBC Taiwan app will accept your log-in based on the biometric credential stored in your device. HSBC Taiwan app will only use your biometric credential for Biometric Authentication only. We do not use HSBC Taiwan app to collect your biometric credential for any other purpose or sending to a third party.

C. You can log on to HSBC Taiwan app by using your registered PIN or your biometric credential.

D. Biometric Authentication is only available to mobile devices which run iOS or Android operation system and support fingerprint or face recognition feature. The Biometric Authentication will not be available if the face or fingerprint recognition feature on mobile device is corrupted, suspended or stopped. You can input HSBC Taiwan mobile banking PIN as an alternative authentication method to log on to HSBC Taiwan app.

E. Your usage of Biometric Authentication is also subject to terms and conditions and policies of the device manufacturer and operation system development company. We are not responsible for the unavailability of Biometric Authentication due to terms and conditions and policies of your device manufacturer and operation system development company. It is your device manufacturer and operation system development company that should be responsible to handle any issue or problem relating to the fingerprint or face recognition feature built in your device.

F. Please note below when using the Biometric Authentication to log on to the HSBC Taiwan app:

i) You must ensure that your biometric credential stored on your device are your own and do not store anyone else’s biometric credentials on your device and that you only use your own biometric credential to log on to the HSBC Taiwan app ii) You must not use facial recognition to log on to the HSBC Taiwan app if you have an identical twin sibling.

iii) You must not use face recognition to log on to the HSBC Taiwan app if you are an adolescence while your face features may be undergoing a rapid stage of development.

iv) You must be responsible for making sure the credential and information shown or stored on your mobile device is kept secure.

v) You must be responsible for unauthorized payments made from your accounts and relevant transactions completed after logging in will be deemed to be completed by you based on your instruction, if you have not kept your mobile device and your biometric credential safe and follow the security precautions that we advise you to undertake from time to time, or if the biometric credential stored on your device are not your own in the event that you have activated Biometric Authentication on the device and on HSBC Taiwan app.

vi) If you realized that a third party has made unauthorized use of, or has stolen, your biometric credential to log in HSBC Taiwan app, you agree to immediately notify HSBC by telephone or in other manners as agreed by HSBC to cease the use of the mobile banking service. Before receipt of the aforesaid notice, all the transactions conducted by the third party via mobile banking service will be deemed to be completed by you based on your instruction after logging in, and you shall be solely responsible for transactions so completed.

A. After completion of each instructed transaction, the result will be informed to you by Electronic Message or other means agreed by both parties. You shall check its accuracy and notify HSBC, via electronic documents or phone, within forty five (45) days from the completion of Service use if there is any discrepancy.

B. HSBC shall send you a transaction statement by Electronic Message or in other manners as agreed between both parties monthly (the statement will not be sent if there is no transaction during the relevant month). After checking the statement, you shall notify HSBC, via Electronic Message or phone, of any errors contained in the statement within forty five (45) days from receipt of the statement.

C. After receiving notification from you, HSBC shall immediately proceed to investigate, and notify you of the results, in writing or via Electronic Message or phone, or in any other manner agreed by both parties, within thirty (30) days from receipt of your notification.

A. If, when using the Service, an error occurs in an Electronic Message which is not attributable to you, HSBC shall provide all necessary assistance.

B. If an error occurs which is attributable to HSBC, HSBC, when it becomes aware of such fact, shall immediately rectify, and notify you by Electronic Message or by telephone.

C. HSBC shall not be liable for any errors or delays caused by telecommunication failure, any act or omission of a third party or other matters not attributable to HSBC.

D. Where the fund is transferred to another person's account in error, or the transferred amount is incorrect due to errors in the Electronic Message attributed to you, such as incorrect financial organization code, account number or amount provided by you, when you use the Service, HSBC will take the following actions immediately upon receipt of your notice:

(a) Provide the statement and relevant information about the transaction pursuant to the relevant laws;

(b) Notify the transferee bank to provide assistance;

(c) Report the status of handling to you.

A. Each party shall ensure that all Electronic Message transmitted to the other party are lawfully authorized.

B. If either party discovers that a third party has made unauthorized use of, or has stolen, your user name, any kind of security code and/or private information etc., such party shall immediately notify the other party by Electronic Message or telephone to cease the use of the Service and to take precautionary measures.

C. Before receipt of the notice referred to in the preceding paragraph, HSBC shall still be liable for the transactions conducted by the third party by using the Service, unless any of the following conditions is met:

(a) Where HSBC can prove such event is due to your willfulness or negligence;

(b) Where 45 days elapse after HSBC deliver the confirming note or statement in the manner as agreed by both parties, unless your failure to send a notice is due to special cause (e.g. long-distance travel or hospitalization), the 45 days will be from the disappearance of the special cause, except from HSBC’s willfulness or negligence.

D. The forensic expenses arising from the investigation on the misuse or misappropriation referred to in Paragraph B shall be borne by HSBC.

A. Each party shall respectively ensure the security of the system it uses, and prevent any illegal access to the system, theft, falsification or destruction of business records and your personal information.

B. If there is a dispute as to whether HSBC’s system security is hacked or has defect, HSBC shall bear the burden of proving its non- existence.

C. HSBC shall be liable for any loss arising from HSBC’s system being invasion by any hacker.

A. Unless otherwise provided in law, the Electronic Messages exchanged or your data obtained under this Agreement shall not be disclosed to a third party or used for purposes irrelevant to this Agreement. If disclosure of the Electronic Messages to a third party is permitted by you, HSBC shall assure the third party comply with the requirement provided in this clause.

B. If the third party fails to comply with the obligation specified in the preceding paragraph, it will be deemed as HSBC fails to carry out it’s obligation.

A. At HSBC, HSBC take the privacy of your information seriously and are committed to ensuring that your information is secure. HSBC ask that you read our Privacy Notice carefully as it explains what information HSBC collect about you, how HSBC will use that information, who HSBC will share it with, the circumstances when HSBC will share it and what steps HSBC will take to make sure it stays private and secure.

B. When you use this App, HSBC will collect information about the device the App is installed on (e.g. device identification numbers), and about your accounts with us and associated transactions.

C. HSBC will collect this information directly from you, e.g.: when you enter information into the App. HSBC use the above information to deliver the services offered in the App, and HSBC need to process it to perform the obligation in the agreement HSBC entered with you.

D. HSBC may also use that information, together with information about your location (country or region, not your precise location) and information about your usage of the App (e.g.: how long you spend on particular web pages), for the following purposes. The lawful basis for this usage is that HSBC have a legitimate business interest to improve our products and services to best meet our customers’ needs, and to provide products and services HSBC think are relevant to them.

(a) Tailoring the content and the services that you’re offered through the App

(b) Understanding how our customers use their accounts

(c) Monitoring trends in product offerings

(d) Developing propositions and products and targeting them appropriately

(e) Identifying products and offers which may be of interest to you

(f) Improving the App services for you

E. The App may store all the above information securely on your device, and access it when required.

F. HSBC may use other HSBC Group companies, and/or third parties, to provide the App on our behalf.

G. For more detail on how HSBC will use your personal information, please refer to our Privacy and security at [ https://www.hsbc.com.tw/en-tw/privacy-and-security/ ].

A. How and why HSBC use cookies, tags and similar technologies.

B. HSBC record information about your mobile device (similar to cookies) to make the App even easier and better to use. 

C. When it comes to ‘cookies’ herein, HSBC include other similar technologies such as tags and device fingerprints that allow us to identify your mobile device uniquely, and to record and store information on your mobile device or information associated with your installation of the App.

D. When installing the App and using it, you are consenting to our deployment and use of these cookies. 

E. In this App, HSBC use cookies to monitor how you’re using the App, to improve security and help protect you against fraud.

F. When you use the App, HSBC will store some information depending on how you choose to use it as described below:

(a) Fast Balance token - if the Fast Balance feature is enabled, HSBC store this token to retrieve all the required information.

(b) User and device details - HSBC store your username and a unique device identifier for 'remember me' functionality during log on.

(c) DSK details - these are used by your digital secure key if enabled to log on securely.

(d) Adobe analytics - these are used mainly to enable HSBC to measure the App's performance, but some of the cookies also support advertising and targeting specific customers.

(e) Targeting and re-marketing - applications for credit cards and personal loans through this App will be tracked by cookies and other tracking tools. This allows HSBC to measure key factors about the journey and provide personalised marketing both on the HSBC website and external sites. Full details of these cookies are set out on our website's Cookie Policy and where you may disable some of this tracking.

If any delay, omission or error in transmitting or receiving of Electronic Message which is attributed to either party, such party shall be liable for the actual damages suffered by the other party thereof.

A. The parties shall retain records of all Electronic Messages that are trading instructions, and shall ensure the authenticity and completeness of such records.

B. HSBC shall act with the care of a good administrator to retain the records specified in the preceding paragraph. Records shall be kept for a period of more than five years, or a longer period defined by other laws, if any.

HSBC and you agree to express intent via Electronic Message, and also agree that the Electronic Message exchanged under this Agreement shall have the same validity as that of written documents, unless otherwise provided by laws.

A. Unless otherwise provided in this Agreement, you may terminate this Agreement at any time provided that you collaborate with HSBC on relevant termination procedures in person, in writing, or in other manners as agreed upon by both parties.

B. This Agreement shall be terminated simultaneously with the termination of the Terms & Conditions for Accounts and Services of HSBC General, Premier and Advance, if any.

If HSBC wishes to terminate this Agreement, HSBC shall give you a written notice at least thirty (30) days prior to the termination. However, if any of the following events occurs, HSBC may terminate this Agreement immediately at any time by giving written notice or notice by other agreed means:

A. you assign your rights or obligations hereunder to any third party without HSBC's consent;

B. where you are declared bankruptcy pursuant to the Bankruptcy Act or apply for proceeding settlement or liquidation procedures pursuant to the Statute of Consumers Debt Clearance Act;

C. You breach any of Articles 17 to 19 of this Agreement; and/or

D. You breach any other provision of this Agreement, and fail to ratify such breach after receiving notice of requesting rectification within a specified time limit.

HSBC shall announce the amendments to this Agreement in a conspicuous place on the HSBC website, or notify you of the amendments in writing or via email. Your failure to indicate disagreement about such amendment within 7 days upon receipt of the notice shall constitute your acknowledgement of such amendment. Notwithstanding, the following changes shall be announced in a conspicuous place on the HSBC website 60 days prior to the effective date of the changes, or notified to you in writing or via email, with clearly and notably wording stating the changes, the new and old provisions, and shall advise you that you may indicate your disagreement about the changes prior to effective date of the changes and your failure to do that shall constitute your acknowledgment of the change. Where you disagree about the change, you shall notify HSBC to terminate this Agreement within the time limit specified in the preceding paragraph, and collaborate with HSBC to complete the termination procedures:

A. Changes of the required manner in which HSBC or you notify the other party of any third party's misuse or misappropriation of the user name and password, or any other unauthorized access;

B. Other particulars as prescribed by the competent authority.

Where HSBC is required to send you a written notice, you agree that the notice shall be served to the address specified in your application form for opening an account with HSBC. You shall notify HSBC of any change of your address in writing or in any other manner as agreed immediately, and you agree that the subsequent delivery shall be to the changed address. Where you fail to notify HSBC as above mentioned, HSBC will serve the documents to the address specified in your application form for opening an account or the latest address notified to HSBC. The notice sent by HSBC to you shall be deemed served legally upon expiration of the general mailing period.

This Agreement shall be governed by and construed in accordance with the laws of the R.O.C. and normal banking practice. The parties hereto agree that Taipei District Court shall be the court of first instance for any disputes or litigation arising with respect to this Agreement.

The headings used in this Agreement are for reference purposes only and shall not affect the interpretation, explanation or understanding of this Agreement.

A. This Agreement is executed in both English and Chinese. Please note that any discrepancy between the English and the Chinese versions, the Chinese version shall prevail.

B. You may access the HSBC website to print this agreement and keep a copy; however, the edition shown on the website shall be the final version.

Any matters which are not provided in this Agreement shall be governed by relevant laws and regulations, general banking practice, the Terms & Conditions for Accounts and Services of HSBC General, Premier and Advance, and other relevant agreements.

Should you require further assistance regarding using the Service, please call HSBC (Taiwan) 24-hour Customer Service Hotline: (02)6616-6000. Any feedback or suggestion, please contact us via the customer comment/compliant procedure.

Before using internet banking/Mobile banking, you should review Service Agreement and the permissions that this app will require (more detail please see https://www.hsbc.com.tw/zh-tw/privacy-and-security/)

Please read HSBC Bank (Taiwan) Limited's ("we", "us", "our") "Privacy and Security" and "Important Notes for HSBC Mobile Banking". If you would like to read them again after acceptance, you can visit "˙˙˙" button which is located at the homepage of the HSBC Mobile Banking App ("App").

HSBC Mobile Banking is part of HSBC Internet Banking service provided by us. All transactions conducted via the App is subject to the "HSBC Personal Internet Banking/Mobile Banking Service Agreement" ("Service Agreement").

Due to the nature of the Internet, messages and transactions may be subject to interruption, transmission blackout, delayed transmission or incorrect data transmission. We are not liable for malfunctions in communications facilities beyond our control that may affect the accuracy or timeliness of messages and transactions you send.

HSBC Mobile Banking may carry additional risks. These include any loss or damage caused to your data or mobile device (including its setting), any interception, interruption or corruption in the transmission of instruction or messages, and any unauthorized use of password due to the auto-password-saving feature of certain mobile devices. We are not responsible for any of such risks. We are pleased to provide HSBC Mobile Banking service to you, but you have to accept these risks and all consequences arising from these risks.

Before using this app, you should review Service Agreement and the permissions that this app will require (more detail please see https://hsbc.mobi/)

HSBC Global View (the "Service") is provided by HSBC Holdings plc and its worldwide subsidiaries (each of which is included when the words "we" and "us" and "our" and "HSBC" are used in these Terms). The Service enables you to link and view on a HSBC internet website, or view only when accessing a HSBC internet website via a supported mobile device, in any one country and territory in the world, your HSBC accounts held and accessible through HSBC Personal Internet Banking and HSBC Private Banking Internet Banking in that country and territory with your HSBC accounts held and accessible through HSBC Personal Internet Banking and HSBC Private Banking Internet Banking in any other country and territory. The Service is not available in all countries and territories and is not accessible via mobile devices in all countries and territories. Please read these terms and conditions ("Terms") before you begin using the Service and linking your accounts.

1.  Information You Provide. You agree we may use any information you provide to us or which we hold about you (whether in connection with the Service or otherwise) but only as required to provide the Service to you.
2. Account Access. You agree that our employees, regulators, third party service providers, auditors, legal advisers and other agents may have access to your information as reasonably required to provide the Service, investigate complaints and comply with applicable law, regulation and any applicable code.
3. Your HSBC Accounts. By using the Service, you agree that we may access and link your HSBC accounts held in any country and territory in the world by accessing and linking on your behalf, the HSBC web sites designated by you, to retrieve your account information and to use and hold the information on our servers (wherever they may be located in the world) in connection with providing the Service and you hereby appoint us as your agent for this limited purpose. You confirm that you are the legal owner of the account(s) designated by you and that you have authority to use the Service.
4. Service Instructions. You agree to comply with any instructions we notify to you at any time in connection with the use of the Service or the security of the Service. We will never contact you to ask for your password(s) or logon information. You agree not to use the Service for illegal purposes.
5. Our Rights in the Service. You acknowledge and agree that HSBC owns all rights in the Service and the content displayed on our site(s). You are only permitted to use this content in connection with the Service. You may not copy, reproduce, distribute, or create derivative works from this content. You also agree not to reverse engineer or reverse compile any of our technology, including but not limited to, any Java applets associated with the Service.
6. Tax and Regulatory Authorities. You acknowledge that by using the Service to link and view your HSBC account(s) held in any one country and territory in the world (the "First Country and territory"), with your HSBC account(s) held in any other country and territory in the world, that this may mean that tax and/or regulatory authorities in such other country and territory in the world where your HSBC account(s) is held may, by law, have the right of access to your HSBC account information relating to your account(s) held in the First Country and territory and vice versa. You may wish to seek guidance on this from your tax and legal advisers.

The following provisions are for the benefit and security of all users of the Service.

1. Provide Accurate Information. You agree to provide true, accurate, current and complete information about yourself as requested in linking your account(s). You also agree to keep your account information up to date and accurate at all times.
2. Keep Your Password(s) Safe. You are responsible for maintaining the confidentiality of your password(s) and other security details relating to the Service. Your password(s) and other security details must not be disclosed to anyone, other than as required to use the Service. Please notify us immediately of any unauthorised use of your password(s) or of any other breach of security. Except to the extent required by law, regulation or any applicable code, we will not be liable to you for any loss that you may incur as a result of someone else using your password(s) in connection with the Service. You must not use another person's password(s) at any time.

1. Cancellation of the Service. You may cancel the Service at any time by giving us notice. Upon receipt of your request to cancel the Service, the linking of your account(s) will cease. You may also request, at any time, that one or more of your linked accounts be removed from the Service. The Service will be cancelled if you remove all your linked accounts from the Service.
2. Discontinuation of the Service. We reserve the right to discontinue, temporarily or permanently, the Service at any time either with or without notice if you are in breach of these Terms or the terms of any other agreement with us or if you no longer meet our qualifying criteria or if there is a suspected breach of security or if we need to carry out maintenance or if for commercial, legal or regulatory reasons, we consider at any time the provision of the Service is no longer viable.
3. Changes to the Service and to these Terms. We may change the Service and /or these Terms at any time for technical reasons or to improve the Service by giving you such notice as is required by law, regulation or any applicable code. We may also introduce a fee for using the Service by giving you such notice as is required by law, regulation or any applicable code. If you do not agree to any changes we make (including if we introduce a fee), you may stop using the Service before the changes are made. You agree that we will not be liable to you or to any third party for any changes to or for any discontinuance of the Service.

1. NO WARRANTIES. We will take reasonable care to ensure that any information provided to you through your use of the Service is an accurate reflection of the information contained in our computer systems, or where the information is provided by a third party, accurately reflects the information we receive from that third party. Due to the nature of the Service and to circumstances beyond our reasonable control, YOU AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR OWN RISK AND THAT THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE DO NOT GUARANTEE THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY OR ERROR-FREE AND TO THE MAXIMUM EXTENT ALLOWED BY LAW, REGULATION OR ANY APPLICABLE CODE, THE SERVICE IS PROVIDED WITHOUT ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.
2. LIMITS TO OUR LIABILITY. YOU AGREE THAT, TO THE MAXIMUM EXTENT ALLOWED BY LAW, REGULATION AND ANY APPLICABLE CODE, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL LOSSES OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOSS OF PROFITS, LOSS OF GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSSES, RESULTING FROM: THE USE OR THE INABILITY TO USE THE SERVICE; (ii) UNAUTHORISED ACCESS TO THE SERVICE; (iii ) STATEMENTS OR CONDUCT OF ANYONE IN THE COURSE OF PROVIDING THE SERVICE; OR (iv) ANY OTHER MATTER RELATING TO THE SERVICE.
3. Indemnity. You agree to indemnify and fully compensate us and our service providers from any third party claims, liability, damages, losses, expenses and costs (including, but not limited to, legal fees) caused by or arising from your breach of these Terms or by your infringement of any of our intellectual property rights.

These Terms shall not affect the terms of any agreement (the "Other Terms") that may apply to you relating to the use or operation of our Personal Internet Banking service(s) in respect of your account(s) and the Other Terms shall remain in full force and effect. In the event that these Terms conflict with the Other Terms, these Terms shall prevail to the extent they relate specifically to the Service, they comply with the law, regulation and any applicable code and to the extent of any such conflict. You must not conduct transactions under Other Terms contrary to applicable sanctions (including if you are a US person, OFAC sanctions).

1. The Service is personal to you and you may not assign it to anyone. You agree not to make any commercial use of the Service.
2. Unless otherwise provided in these Terms, all notices we give you or you give us shall be in writing and may be given by electronic mail on the same basis as (and subject to the same conditions as) the Other Terms. Additionally, unless prohibited by law, regulation or any applicable code, we may give you notice by message we broadcast through the Service or through our Personal Internet Banking service.
3. Any notice given by electronic mail or which we broadcast through the Service or through our Personal Internet Banking service under F2 shall be regarded as received 24 hours after its dispatch.
4. Any relaxation by us of these Terms at any time does not affect our right to enforce these Terms strictly at any time.
5. If any of these Terms is held to be unenforceable, then such provision shall be construed, as nearly as possible, to reflect the intention of the parties with all the other provisions remaining in full force and effect.
6. These Terms are the entire understanding between you and us about the Service.
7. These Terms shall be governed by the law of the jurisdiction or country and territory in which your HSBC account(s) is held in respect of which you first use the Service to link that account(s) to account(s) held in another country and territory or jurisdiction and to the extent allowed by law, you agree to the non exclusive jurisdiction of the courts of that jurisdiction or country and territory.
   

When you tick/check the box below, you confirm:

1. you are eighteen years or over (or such other age as is required by law, regulation or any applicable code for you to enter into a contract) and
2. you agree to these Terms.
3. If you do not agree to all of these Terms, you will not be able to use the Service.

As foreign exchange rates are not available during off-business hours, we are not able to, with immediate effect, provide foreign exchange related services during off-business hours. Please conduct foreign exchange related transactions during our business hours (9:00 AM - 15:30PM on business days).

Local beneficiary transfers from HSBC TWD savings accounts to other domestic bank predefined accounts must not exceed the single transaction limit of TWD$2,000,000 and accumulated limit of TWD$3,000,000 per business day.

According to "Regulations Governing Foreign Exchange Business of Banking Enterprises", daily limit of CNY exchange transactions conducted via any and all of the Client’s accounts (whether the account is with the Bank or otherwise) is CNY20,000 per nature person per day. The transaction limit for CNY outward remittances to China is CNY80,000 per nature person per day (whether carried out through the Bank or otherwise) and only limited to nature persons with valid R.O.C ID. If a transaction significantly breaches the regulation, the Bank has the right to reverse the transaction and refuse to provide any further CNY exchange services, or reject the Client’s application of outward remittances to China.

The daily limit for TWD related foreign exchange transaction via Internet Banking service is TWD $499,999 equivalent. 

Note: If you make the foreign exchange transactions via Internet Banking with amount closing to the daily limit and reaching to a certain transaction count, our service representative will contact you and a declaration may be required according to related regulations governing the declaration of foreign exchange.

Scheduled transfer to HSBC Credit Card is not allowed currently. If you would like to pay HSBC Credit Card bill, you may download HSBC Credit Card Automatic Payment Authorization Form, or use "Transfer Now" to complete transaction.

If you would like to make Gold account related transactions, please contact HSBC branches or call center for assistance.

• Y: Non-Pre-designated transfer type, with lower transaction limits. (TWD 300,000 per item, TWD 500,000 per business day, and TWD 1,000,000 per month)
• N: Pre-designated transfer type, with higher transaction limits. (TWD 2,000,000 per item, TWD 3,000,000 per business day)
• If you've opened a type 1 digital account, your transaction limits are TWD50,000 per transaction, TWD100,000 per business day and TWD 200,000 per month. For a type 3 digital account, your transaction limits are TWD10,000 per transaction, TWD30,000 per business day and TWD50,000 per month.
  
• To change your saved transfer template to a Pre-designated account, you can contact our Customer Care Centre on (02)6616-6000 or (+886)-2-6616-6000. In order to comply with Financial Supervisory Commission regulations and relevant rules to further enhance the transaction security, effective October 1, 2006, requests for pre-designated accounts will be activated the following business day.

Transfer later Note: The actual transaction execution date is the working day next to the future transaction date; transfer to non-designated account has a limited amount.

Outward remittance: In compliance with regulations of Central Bank, outward remittance via Internet Banking or Mobile Banking should be remitted with original currency and the daily limit is TWD$499,999.

For service fee of outward remittance, Premier customers are TWD$200, Advance customers are TWD$300 and other customers are TWD$400 or its foreign currency equivalent per transaction, which will be debited from the remittance amount. If any overseas charges are incurred, the amount will be debited from the remittance amount. Therefore, the recipient may receive a sum of money less than what you have remitted.

Future transaction will be performed in the evening of the future transfer date you set up, therefore, please set up the future transfer date at the working day just before the date you expect. For example: If you plan to execute transfer at the date of April 10th, please set up the future transfer date at the date of April 9th.

If the transaction date is non-working day, transaction will be postponed to the evening of next working day.

If one transaction of future transfer goes beyond the transfer limit of non-designated account, setting up designated account in advance is required. (Transfer limit of non-designated account: each transfer limit is TWD$300,000, the daily transfer limit is TWD$500,000, the monthly transfer limit is TWD$1,000,000.)

If deduction for future transfer can not be done due to insufficient balance in the account, it will be re-executed next working day. If it fails for 3 times in sequence, system will not execute no longer.

A. At the first time when you log on to HSBC Taiwan app, if you choose to use Biometric Authentication, you must register biometric credential (face recognition or fingerprint recognition) by using security code generated from Security Device. The biometric credential which is successfully registered will then be used to authenticate your identity when you log on to HSBC Taiwan app.

B. The activation of Biometric Authentication in HSBC Taiwan app is optional. When you activate Biometric Authentication feature, you agree that HSBC Taiwan app will accept your log-in based on the biometric credential stored in your device. HSBC Taiwan app will only use your biometric credential for Biometric Authentication only. We do not use HSBC Taiwan app to collect your biometric credential for any other purpose or sending to a third party.

C. You can log on to HSBC Taiwan app by using your registered PIN or your biometric credential.

D. Biometric Authentication is only available to mobile devices which run iOS or Android operation system and support fingerprint or face recognition feature. The Biometric Authentication will not be available if the face or fingerprint recognition feature on mobile device is corrupted, suspended or stopped. You can input HSBC Taiwan mobile banking PIN as an alternative authentication method to log on to HSBC Taiwan app.

E. Your usage of Biometric Authentication is also subject to terms and conditions and policies of the device manufacturer and operation system development company. We are not responsible for the unavailability of Biometric Authentication due to terms and conditions and policies of your device manufacturer and operation system development company.  It is your device manufacturer and operation system development company that should be responsible to handle any issue or problem relating to the fingerprint or face recognition feature built in your device.

F. Please note below when using the Biometric Authentication to log on to the HSBC Taiwan app:

i) You must ensure that your biometric credential stored on your device are your own and do not store anyone else’s biometric credentials on your device and that you only use your own biometric credential to log on to the HSBC Taiwan app ii) You must not use facial recognition to log on to the HSBC Taiwan app if you have an identical twin sibling.

iii) You must not use face recognition to log on to the HSBC Taiwan app if you are an adolescence while your face features may be undergoing a rapid stage of development.

iv) You must be responsible for making sure the credential and information shown or stored on your mobile device is kept secure.

v) You must be responsible for unauthorized payments made from your accounts and relevant transactions completed after logging in will be deemed to be completed by you based on your instruction, if you have not kept your mobile device and your biometric credential safe and follow the security precautions that we advise you to undertake from time to time, or if the biometric credential stored on your device are not your own in the event that you have activated Biometric Authentication on the device and on HSBC Taiwan app.

vi) If you realized that a third party has made unauthorized use of, or has stolen, your biometric credential to log in HSBC Taiwan app, you agree to immediately notify HSBC by telephone or in other manners as agreed by HSBC to cease the use of the mobile banking service. Before receipt of the aforesaid notice, all the transactions conducted by the third party via mobile banking service will be deemed to be completed by you based on your instruction after logging in, and you shall be solely responsible for transactions so completed.