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Terms and Conditions
HSBC Personal Internet Banking Terms and Conditions
The following Terms and Conditions govern your use of Personal Internet Banking offered by HSBC Bank USA, N.A. (HSBC) for accounts held at HSBC. "HSBC" means HSBC Bank USA, N.A. or any of its subsidiaries or affiliates that hold a Linked Account or provide Personal Internet Banking Services. By using Personal Internet Banking, you agree to these Terms and Conditions. You may print this document for your files or you can request a copy by mail by calling Customer Service at 1-800-975-HSBC (1-800-975-4722). Representatives are available Monday - Sunday 7:00am - 12:00am ET. Or you can write to: HSBC Bank USA, National Association, P.O. Box 2013, Buffalo, NY 14240.
Types of Available Transfers and Services
Here's what you'll be able to do on your computer with Personal Internet Banking:
- Obtain available balance information for Deposit, Credit Card and Line of Credit Accounts as of the close of business on the preceding Business Day. However, debits initiated for Bill Payments, may not be reflected in the Available Balance until the next business day or later, and credits initiated for credit cards, loans and lines are not reflected in the Available Balance until after two business days. Obtain transaction/balance information as provided by Pershing for investments (Brokerage) accounts using the link to the Pershing website.
- Review transaction information for the last twenty-four months or two years of statement periods for deposit accounts (ie. a savings account with a quarterly statement would display eight statement dates). Review transaction information for the last twelve statement periods for revolving credit accounts, and the last twenty-four months, or fifty transactions for mortgage accounts.
- Make transfers from your checking, savings or other asset accounts or revolving credit accounts to your checking, savings or other asset accounts, HSBC revolving credit, installment loan or mortgage accounts.
- Access information on HSBC products and services.
- Obtain a summary of checking, savings, money market, CDs, IRAs, or other asset accounts, revolving credit cards, installment loans and mortgage accounts.
- Send BankMail (secured email) to us.
- Register for the Bill Pay service to pay bills or make payments from your account to a business or person in the United States.
- Register for the Bank to Bank Transfers service to transfer funds to or from your HSBC accounts and any other account held by you at another U.S. financial institution.
- As of April 14, 2014, only Advance or Premier customers may register for personal financial management tools, currently called EasyView, to aggregate, or bring together, most of your online accounts in one place. If you cease to be an Advance or Premier customer, your EasyView service will be cancelled and all your account information on EasyView will be deleted. This includes your HSBC accounts displayed on Personal Internet Banking as well as your online accounts from other sites. To register for EasyView, log-in to Personal Internet Banking and click EasyView in the left navigation.
- View, print and download electronic statements or notices and disclosures by enrolling in the eStatement Service, which will also cancel your paper statement. HSBC online-only accounts receive only electronic delivery of statements, notices and disclosures.
- Access your HSBC Securities (USA) Inc. brokerage account (See the End User Agreement for terms and conditions applying specifically to access to your brokerage account online). Securities and Annuity Products are: Not a deposit or other obligation of the bank or any of its affiliates; Not FDIC insured or insured by any federal government agency of the United States; Not guaranteed by the bank or any of its affiliates; and are subject to investment risk, including possible loss of principal invested.
Account Access
Access information about the following types of Accounts:
HSBC Bank Products
- Checking Accounts
- Savings Accounts
- Certificate of Deposit Accounts (CDs)
- Individual Retirement Accounts (IRAs)
- Investment Accounts
- Line of Credit Accounts
- Installment Loans
- Mortgages
- Credit Cards
- Charge Cards
- Home Equity
HSBC online-only Products
- Online Savings Accounts
- Online Payment Accounts
- Online Certificate Accounts
HSBC Securities (USA) Inc. Accounts
Accounts Not Eligible for Access
- Fiduciary accounts
- Any account that requires two or more signatures.
- Any account in the name of a child under 18 years of age.
Any person you have authorized to access your Personal Internet Banking Account is authorized to:
- Accept these Terms and Conditions, as amended from time to time
- Access each eligible Account of yours in any manner and for any purpose available through Personal Internet Banking, whether available now or available at some time in the future. Access includes making transactions on linked accounts, such as checking or brokerage accounts.
You agree that any eligible Account opened at a future date will automatically be linked to Personal Internet Banking.
Removal of Account Access
You may remove access to any Account by notifying HSBC by BankMail or by other written correspondence. All HSBC online-only accounts require that you access the accounts only through Personal Internet Banking and such accounts will need to be closed if you want to remove online access.
Your Log On Credentials
Your log on credentials are used to identify you when accessing Personal Internet Banking. They act as your signature. For information regarding creating a strong password, please click here.
You can change your log on credentials at any time. For your protection, you should memorize your log on credentials and not keep any notation of them on or with your computer. Your log on credentials assure that only you, or someone to whom you give your log on credentials, can access your Internet Banking Account. You agree not to give your log on credentials to anyone you do not authorize to use your Internet Banking Account. If you do, you will be responsible for any money withdrawn or transferred from your Accounts when such person uses your log on credentials. You also should not provide your log on credentials to anyone you do not want to view your financial information maintained on your EasyView service.
If any of your Accounts are joint accounts or have additional authorized signers, each owner, or authorized signer is entitled to their own log on credentials to access their Personal Internet Banking Account. To register joint holders and authorized signers should call the Customer Relationship Center at 1-800-975-4722 or sign up for Personal Internet Banking and completing the required information.
You understand and agree that to the extent permitted under applicable law each owner of an Account is jointly and individually responsible for all Personal Internet Banking transactions that affect that Account, including the initiation of brokerage account transactions using Personal Internet Banking.
Limitations on Frequency of Transfers and Dollar Amounts
You may use Personal Internet Banking and the Bill Pay service as often as you would like. Internet transfers or Bill Payments must not exceed your Available Balance in the Account on the day the transfer is made, unless you have authorized HSBC to use your usable balance from your HSBC Premier with Sweep Account, or your Asset Management Account, or your Commercial Asset Management Account, or your Money Market Fund Account, or your Money Market Mutual Fund Account, or available credit from your MasterCard®, VISA®, Select Credit Account or Express Line Account. Transfers from your line of credit account are subject to the terms of the credit agreement. Transactions on your linked brokerage account are subject to limitation under these Terms and Conditions and the terms of your customer agreement with HSBC Securities (USA) Inc. and the End User Agreement between you and HSBC Securities (USA) Inc. and Pershing LLC. If you make Personal Internet Banking Transfers from your savings account to another of your Accounts, those transfers are counted as telephone transfers and are subject to the Transfer Limits contained in the Rules for Deposit Accounts. If you exceed the transfer limits, then HSBC may be required to close your savings account and transfer the balance to a checking account.
Transfer Processing
|Date of Immediate Transfer Request
|Date Immediate Transfer will be made
|On a Business Day - before
Approximately 8 p.m. Eastern Time
|Same Business Day that the transfer is requested.
|On a Business Day - after
Approximately 8 p.m. Eastern Time
|Next Business Day after the transfer is requested.
|On a day other than a Business Day
|Next Business Day after the transfer is requested.
|Date of Scheduled Transfer Request
|Date Scheduled Transfer will be made
|On a Business Day - before
Approximately 7 p.m. Eastern Time
|Same Business Day that the transfer is requested.
|On a Business Day - after
Approximately 7 p.m. Eastern Time
|Next Business Day after the transfer is requested.
|On a day other than a Business Day
|Next Business Day after the transfer is requested.
You may cancel a future transfer by finding the transfer in 'Scheduled Transfers'. Select an account or a date range to narrow your search. Select the transfer by clicking on the date, and then you can modify or delete the transfer.
HSBC may reject a transfer instruction if there are insufficient Available Funds in your Account, or in the usable balance in your HSBC Premier with Sweep Account, Asset Management Account, Commercial Asset Management Account, or Money Market Mutual Fund Account, or available credit on your related line of credit, or for any other reason. In the event of insufficient Available Funds on a future transfer, a BankMail notification will be sent to you.
Wire Transfers
Wire Transfers are governed by the Funds Transfer provisions of the Rules for Deposit Accounts.
Bill Payment Processing
The Bill Pay service allows you to use your accounts to pay a bill or to make payments to a business or other payee that has a mailing address within the U.S. You agree not to use the Bill Pay service to make any tax payments or any court-ordered payments. You agree that if you attempt to make payments for taxes or court-ordered payments or if you attempt to make payments to a payee outside the U.S., HSBC and its agents will not be responsible for that payment.
By registering for the Bill Pay service, you authorize HSBC and its agents to follow the payment instructions you have provided using your Personal Internet Banking Account. You will provide HSBC with the names, addresses, phone numbers and account information of those persons or entities to whom you wish to make a Bill Payment. When you initiate a Bill Payment, you authorize HSBC to charge your account on a Business Day provided in the transaction and to remit funds to the payee on your behalf electronically, provided electronic payments are permitted and accepted by the payee. If the payee does not permit and accept electronic payments, then those funds will be remitted to the payee through the use of a paper check issued by HSBC or its agent and payable to the payee. Such paper check will state that it represents a payment from you and will indicate the account number of your account with the payee.
Payments can be sent to payees electronically or by check. As a number of different factors are considered to determine how the payment will be sent, we cannot tell which method of payment will be used until the payment is processed. Based on factors considered, our payment system selects the most appropriate method.
Electronic payments are sent whenever possible. If a payee accepts checks only, an individual corporate check is sent.
While it is anticipated that most Bill Payments will be processed and completed on the same business day selected for the Bill Payment Process Date, it is understood by you that due to circumstances beyond the control of HSBC, such as delays by the payee and the payee's bank or agent in handling and posting Bill Payments, some Bill Payments may take longer to be posted to your account at the payee. For this reason, HSBC recommends that you select a Bill Payment Process Date which is at least five Business Days before the actual due date of the payments. You agree that HSBC will not be responsible for any Bill Payment that is received or posted by the payee after the grace period or that results in a late charge or penalty being assessed by the payee if you did not follow this recommendation. In such event, you agree that you shall have the sole risk of incurring and the sole responsibility for paying any and all late charges or penalties assessed by the payee.
Only payees with United States addresses may be paid using the Bill Pay service. We reserve the right to limit the frequency and dollar amount of transactions from your accounts.
You may use Bill Pay service to authorize automatic recurring payments of recurring bills. These payments must be for the same amount each month and they will be paid on the same calendar day of each month, or on the next Business Day if the regular payment day falls on a weekend or holiday.
If a Bill Pay transaction cannot be processed according to your instruction, a BankMail notification will be sent to you.
Your Right to Cancel (Stop Payment) a Bill Payment
You can cancel or stop a single Bill Payment anytime before the Bill Payment Process Date for that payment through the use of Personal Internet Banking. If the Bill Payment is a recurring payment set up on the Bill Pay service, then you can cancel that Bill Payment: (1) Through the use of Personal Internet Banking as long as the request is received before the Bill Payment Process Date of the next recurring Bill Payment, (2) By calling us at 1-800-975-HSBC (1-800-975-4722), or (3) By writing to: HSBC Bank USA, National Association, PO Box 2013, Buffalo, NY 14240. We must receive your call or written request at least 3 (three) Business Days before the Bill Payment Process Date of the next recurring Bill Payment. If you call, we will require you to put your request in writing and get it to us within 14 calendar days after you have made the request. If you order us to cancel a recurring Bill Payment three Business Days before the Bill Payment Process Date of the next recurring Bill Payment and we do not do so, then we will be liable to you for your losses or damages. Once a recurring bill payment is cancelled, all future payments to that payee will be cancelled and you must reschedule it if you want a Bill Payment to be made in the future.
HSBC Mobile Banking
Mobile Banking is an extension of Personal Internet Banking and is available to all customers who have enrolled in the service. To use Mobile Banking customers are required to use their existing Personal Internet Banking log on credentials.
All features and services available through Personal Internet Banking are not available via Mobile Banking unless the Full Website option is launched from your mobile device.
Mobile Banking will not store your log on credentials. You agree that you will not use an auto-complete feature which stores your log on credentials and that you will not save your log on credentials on your mobile device.
You agree that you will not install software onto your mobile device that you are not familiar with or have not read the Terms and Conditions for that software.
You agree to download mobile security software updates when available. You agree that your mobile device will be locked if it is left unattended. As part of the security of your data, you must accept cookies. Cookies remind HSBC of your browser preferences and security requirements.
You agree to log off of Mobile Banking at the completion of your online session.
In the event that your mobile device is lost or stolen and you believe you were not logged off and / or feel your log on credentials may have been compromised, please contact the Customer Relationship Center. We also recommend that you contact your wireless service provider to have your device deactivated.
HSBC Bank USA, N.A. does not charge a fee for the using Mobile Banking. The usual and customary fees that the Bank may charge for any products and services provided continue to apply. You may incur internet data charges and call costs from your mobile service provider/internet service provider.
Bank to Bank Transfers Service
Bank to Bank Transfers ("Service") offered by HSBC and service provider allows you to transfer funds to or from your HSBC accounts and any other account held by you at another U.S. financial institution – referred to in these terms as 'Accounts' – assuming, of course, that the transfer is permitted by your financial institution and by law. Bank to Bank Transfers can only be completed between accounts that are owned by the same account holder. In order to use Bank to Bank Transfers, you have to be a Personal Internet Banking ("Personal Internet Banking") customer of HSBC. Details of applicable limits can be found on the Bank to Bank Transfers section of the website.
1. Acceptance of Bank to Bank Transfers Terms
These terms apply when you use Bank to Bank Transfers. HSBC reserves the right to change the Terms under which the Service is offered in its sole discretion at any time; however, HSBC will notify you of any material change to the Terms. In most cases, you will receive the notice online the next time you log in; however, HSBC reserves the right to notify you by email or by conventional mail, at its discretion. You agree that if you continue to use the Service after we notify you of any change, you thereby accept the changes to the Terms and agree to be bound by this Agreement, as amended. If you do not accept and agree to the changes to the Terms, you will not be entitled to use the Service. You can review, download and print the most current version of this Agreement at any time by clicking on the Terms and Conditions link within the footer of the Personal Internet Banking web site and then clicking "Personal Internet Banking" in the "Other Terms & Conditions" section of the right hand menu. If you do not agree to the changes, or if at any time you wish to discontinue your use of the Service, you can unsubscribe by sending a secure 'BankMail' from Internet Banking or call our Customer Relationship Center at 1-800-975-HSBC (1-800-975-4722), to unsubscribe from the service. Representatives are available Monday - Sunday 7:00am - 12:00am ET and will be happy to help.
2. Information Authorization
HSBC and our service provider reserve the right to obtain such additional information as we deem reasonably necessary to insure that you are not using our Service in violation of law, including, but not limited to, laws and regulations designed to prevent 'money laundering' or the transfer of funds to accounts that are blocked under regulations of the Office of Foreign Assets Control (OFAC) of the United States Treasury Department.
Once you are approved for Bank to Bank Transfers, we may verify the Accounts that you add to the Service from time to time. You authorize us to validate the Accounts through the use of a test transfer, in which one or more low value payments will be both credited to and debited from the Account. The test credit will always occur before the test debit and will always be of the same or lesser amount, so that the balance in any of your Accounts will never be less than the actual balance.
Once the test transfer is complete, we may ask you to access your Account to tell us the amount of the test credit or debit or any additional information reported by your bank with this test transfer. We may also verify Accounts by requiring the entry of information you ordinarily use to access the Account provider's web site, or by requiring you to submit proof of ownership of the Account.
3. User Content
Subject to HSBC's Privacy Policy, you agree that HSBC may use, copy, modify, display and distribute any information, data, materials or other content (the "Content") you provide to HSBC for the purpose of providing the Service, and you hereby give HSBC a license to do so. By submitting Content, you represent that you have the right to license such Content to HSBC for the purposes set forth in this Agreement.
4. Accounts
You understand that in order to complete Bank to Bank Transfers, it is necessary for HSBC and our service provider to access the websites and databases of your bank and other institutions where you hold Accounts, as designated by you and on your behalf, to retrieve information and effect the fund transfers you request. By using the Service, you represent and warrant to us that you have the right to authorize and permit us to access your Accounts to effect such funds transfers or for any other purpose authorized by this Agreement, and you assure us that by disclosing and authorizing us to use such information you are not violating any third party rights. You warrant and represent that the information you are providing us with is true, current, correct and complete. You hereby authorize and permit HSBC and our service provider to use information submitted by you to accomplish these purposes and to configure the Service to be compatible with the Accounts.
For as long as you are using the Service, you give to HSBC and our service provider a limited power of attorney and appoint HSBC and our service provider as your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, to access the Accounts, effect funds transfers as described above, with full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with effecting funds transfers, including verifying the content and authenticity of any funds transfer instruction for the purposes of security procedures applicable to Accounts, as fully to all intents and purposes as you might or could in person. Once HSBC and/or our service provider has actual knowledge that you wish to cease using the Bank to Bank Transfers service as provided in this Agreement or as otherwise permitted in this Agreement and has a reasonable opportunity to act on such knowledge, this limited power of attorney is automatically revoked; provided, however, that any act done by HSBC and/or our service provider in good faith before it has actual knowledge of termination by you and has a reasonable opportunity to act on such knowledge shall be deemed to be authorized by you.
You understand and agree that at all times your relationship with each Account provider is independent of HSBC and your use of the Bank to Bank Transfers. HSBC will not be responsible for any acts or omissions by the financial institution or other provider of any Account, including without limitation any modification, interruption or discontinuance of any Account by such provider.
YOU ACKNOWLEDGE AND AGREE THAT WHEN HSBC AND OUR SERVICE PROVIDER IS EFFECTING A BANK TO BANK TRANSFER FROM OR TO ANY OF YOUR ACCOUNTS, HSBC AND OUR SERVICE PROVIDER IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OR ON BEHALF OF ANY THIRD PARTY. You agree that HSBC, its affiliates, service providers and partners shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you.
Not all types of accounts are eligible for the Bank to Bank Transfers service. Bank to Bank Transfers allows personal accounts in your name to be added to your profile. Business accounts are not eligible to be used with the Bank to Bank Transfers service. Be sure to check with your financial institution for restrictions regarding transfers among your retirement (401k, IRA, etc.), savings, trusts, loans, custodial, and other account types. We are not responsible for any costs or losses incurred from Bank to Bank Transfers that are not permitted under such restrictions by the provider of your Account or those imposed by applicable law.
5. Electronic Communications
A. General Consent; Categories of Records.
Bank to Bank Transfers is an electronic, Internet-based service. Therefore, you understand and agree that this Agreement will be entered into electronically, and that the following categories of information ("Communications") may be provided by electronic means:
- This Agreement and any amendments, modifications or supplements to it.
- Your records of Bank to Bank Transfers and other transactions through the Service, including without limitation confirmations of individual transactions.
- Any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by federal or state law.
- Any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the Service.
- Any other communication related to the Service.
Although HSBC reserves the right to provide Communications in paper format at any time, you agree that we are under no obligation to do so. All Communications in either electronic or paper format will be considered to be "in writing." You should print a paper copy of this Agreement and any electronic Communication that is important to you and retain the copy for your records. If you do not agree to receive this Agreement or the Communications electronically, you may not use the Service.
B. How to Withdraw Consent.
If you have registered for the Service and you wish to withdraw your consent to have Communications provided in electronic form, you must cancel any pending transfer requests (within the time period permitted by the Service cancellation policies) and stop using the Service.
C. How to Update Your Records.
You agree to promptly update your registration records if your email address or other information changes. You may update your records, such as your email address, by using the Customer Service page in Personal Internet Banking.
D. Delivery of Electronic Communications.
Communications may be posted on the pages of the Service website or other website disclosed to you and/or delivered to the email address you provide. Any electronic Communication sent by email will be deemed to have been received by you when HSBC sends it to you, whether or not you received the email. If the Communication is posted on the Service, then it will be deemed to have been received by you no later than five (5) business days after HSBC posts the Communication on the pages of the Service, whether or not you retrieve the Communication. An electronic Communication by email is considered to be sent at the time that it is directed by HSBC's email server to the appropriate email address. An electronic Communication made by posting to the pages of the Service is considered to be sent at the time it is publicly available. You agree that these are reasonable procedures for sending and receiving electronic Communications.
E. Email Requirements.
In order to access and retain Communications, you must have:
- An email account and email software capable of reading your email.
6. Privacy Policy and Confidentiality
In order to provide Bank to Bank Transfers, we must obtain from you certain personal information about you, your Accounts, and your transactions (referred to herein as "User Information"). You represent that you have the right to provide such User Information and that you give us the right to use the User Information.
You can see a full description of our privacy policy by clicking on the "Privacy" located in the footer of the Personal Internet Banking web site.
7. Business Days
The Service will process requests for transfers on business days. The business days for Bank to Bank Transfers are Monday through Friday. Federal Reserve Bank Holidays are not included.
8. Transfer Types and Limitations
A. Types of Transfers
You may use this service to transfer funds to or from an HSBC account and another personal account in your name at another U.S. financial institution or an approved service provider investment account via the web. Transactions may be scheduled to occur one time, for a future date, or recurring.
Some of these services may not be available at all times. We may from time to time make available additional or new features to the Service, including but not limited to, a next day service and a higher limit service. You will be approved or declined for any such additional service at our sole discretion and additional terms and conditions may apply. Please ensure that you have sufficient funds to effect any Bank to Bank Transfers from your Accounts. We may at any time decline to effect any Bank to Bank Transfer that we believe may violate applicable law.
B. Dollar Amount of Transfers
You may not make Bank to Bank Transfers in excess of limits described on the Service. We reserve the right to change from time to time the dollar amount of the Bank to Bank Transfers you are permitted to make using our Service. Without limiting the foregoing, in the event that your use of the Service has been suspended and reinstated as provided herein (see "Suspension and Reinstatement of Bank to Bank Transfers" below), you understand and agree that your use of the Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us.
C. Transfers Subject to the Rules of the Accounts
Additionally, all Bank to Bank Transfers are also subject to the rules and regulations governing the relevant Accounts. You agree not to effect any Bank to Bank Transfers from or to an Account that are not allowed under the rules or regulations applicable to such accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of OFAC regulations.
9. Rejection of Transfers
We reserve the right to decline to effect any Bank to Bank Transfer, to submit Bank to Bank Transfer instructions or orders or to carry out change or cancellation requests.
10. Authorization
You authorize us to select any means to execute your Bank to Bank Transfer instructions. You understand that to effect your Bank to Bank Transfer instruction we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and credit another of your Accounts. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your Account. The sole purpose for our service provider's transfer account is to complete your Bank to Bank Transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account.
You understand and agree that we may from time to time impose additional charges in connection with your Bank to Bank Transfers transactions. HSBC will notify you of such fee in advance of the transaction and according to applicable rules and regulations. If you choose to proceed with the transaction, you authorize HSBC to debit your account in the amount indicated.
In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement.
You understand and agree that in the event we are unable to execute your Bank to Bank Transfers request utilizing the ACH, we may utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check.
11. Suspension and Reinstatement of Bank to Bank Transfers
In the event that we at any time incur a problem with your use of the Service, including without limitation a failure in attempting to debit any of your Accounts or to collect with respect to any of your Bank to Bank Transfers as described above, and without limiting any other right or remedy that we may have under this Agreement or otherwise, we reserve the right to suspend your right to use the Service, immediately and without prior notice to you. You understand and agree that such action is reasonable for us to take in order to protect itself from loss. In the event of such suspension, you may request reinstatement of your service by contacting us using any of the methods provided for under this Agreement (see "Error Reporting and Claims," below). We reserve the right in our sole discretion to grant or deny reinstatement of your use of the Service. In the event we agree to reinstate you, we reserve the right to, and ordinarily will, initially reinstate your Service subject to lower per-transaction and monthly dollar limits and/or with other restrictions than otherwise might be available to you. Based upon your subsequent usage of the Service, HSBC in its sole discretion may thereafter restore your ability to effect transfers subject to such higher limits as may then be in effect (see "Dollar Amount of Transfers," above).
12. Documentation
You may access a statement of all Bank to Bank Transfers effected or pending at any time by clicking on the 'History' tab located within the Bank to Bank Transfers service. If a Bank to Bank Transfer could not be completed, HSBC and/or our service provider, upon learning that the Bank to Bank Transfer has failed, will make a reasonable effort to complete the transfer. If the Bank to Bank Transfer fails a second time, we will notify you to contact your financial institution or other provider of the relevant Account to learn more about the failure.
13. Your Responsibility for Errors
You understand that we must rely on the information provided by you and you authorize us to act on any instruction which has been or reasonably appears to have been sent by you, to submit Bank to Bank Transfer instructions on your behalf. You understand that financial institutions receiving the Bank to Bank Transfer instructions may rely on such information. We are not obliged to take any further steps to confirm or authenticate such instructions and will act on them without getting further confirmation. You understand that if you provide us with incorrect information or if there is any error in your instruction we will make all reasonable efforts to reverse or delete such instructions, but you accept full responsibility for losses resulting from any of your errors, duplication, ambiguities or fraud in the information that you provide. You agree not to impersonate any person or use a name that you are not authorized to use. If any information you provide is untrue, inaccurate, not current or incomplete, without limiting other remedies, HSBC reserves the right to recover from you any costs or losses incurred as a direct or indirect result of the inaccurate or incomplete information.
14. Error Reporting and Claims
For Error Resolution procedures concerning your personal HSBC accounts, you may refer to the Personal Internet Banking Terms and Conditions at any time by clicking on the Terms and Conditions link within the footer of the Personal Internet Banking web site and then clicking "Personal Internet Banking" in the "Other Terms & Conditions" section of the right hand menu. We are not responsible for errors, delays and other problems caused by or resulting from the action or inaction of financial institutions holding the Account. Although we will try to assist you in resolving any such problems, you understand that any such errors, delays or other problems are the responsibility of the relevant financial institution. Any rights you may have against a financial institution for such errors, delays or other problems are subject to the terms of the agreements you have with such financial institution, including any time limits during which complaints must be made.
15. Proprietary Rights
You acknowledge and agree that HSBC and/or our service provider own all rights in and to the Bank to Bank Transfers. You are permitted to use the Service only as expressly authorized by this Agreement. You may not copy, reproduce, distribute, or create derivative works, reverse engineer or reverse compile HSBC and/or our service provider's Bank to Bank Transfers or any of HSBC's and/or our service provider's services or technology.
16. No Unlawful or Prohibited Use
As a condition of using the Service, you warrant to us that you will not use the Service for any purpose that is unlawful or is not permitted, expressly or implicitly, by the terms of this Agreement or by any applicable law or regulation. You further warrant and represent that you will not use the Service in any manner that could damage, disable, overburden, or impair the Service or interfere with any other party's use and enjoyment of the Service. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Service. You agree that these warranties and representations will remain in full force and effect even if this Agreement terminates for any reason.
17. Service Changes and Discontinuation
We may modify or discontinue the Service or your use of the some or all accounts within the service, with or without notice, without liability to you, any other user or any third party. We reserve the right, subject to applicable law, to terminate your account within the Service and your right to use the Service at any time and for any reason, including without limitation if we, in our sole judgment, believe you have engaged in conduct or activities that violate any of the Terms or the rights of HSBC and/or our service provider, or if you provide us with false or misleading information or interfere with other users or the administration of the Services. We reserve the right to charge a fee for the use of the Service and any additional services or features that we may introduce. You understand and agree that you are responsible for paying all fees associated with the use of our Bank to Bank Transfers.
You can terminate your Bank to Bank Transfer service with HSBC at any time by clicking on "Remove Bank to Bank Transfers" located under 'Customer Service' in the Personal Internet Banking left hand navigation. You can also send a secure 'BankMail' from Internet Banking or call our Customer Relationship Center at 1-800-975-HSBC (1-800-975-4722), to unsubscribe from this service. Representatives are available Monday - Sunday 7:00am - 12:00am ET and will be happy to help.
18. Service Charges
There are no transaction fees when you transfer funds via the Bank to Bank Transfer service.
19. Security Procedures
You understand that the financial institution at which an Account is maintained may contact us to verify the content and authority of Bank to Bank Transfer instructions and any changes to those instructions. You understand that, as your agent, we may provide to such financial institution such information as may be required to verify the instructions and may constitute a valid security procedure under the rules governing such Account.
20. Deviating from Security Procedures
You agree to allow us to authorize any financial institution at which you have an Account to accept funds and transfer instructions in accordance with any authorization procedures as may be agreed from time to time between you and such financial institution, or between us, on your behalf, and such financial institution, without verifying the instructions under the established security procedures, regardless of whether such security procedures were agreed by you directly or by us on your behalf. In addition you agree that we may authorize such financial institutions to charge and debit your accounts based solely on these communications.
21. Account Number Policy
If Bank to Bank Transfer instructions identify a bank or beneficiary by name and account number, the relevant financial institution may execute those instructions by reference to the number only, even if the number does not correspond to the name. You understand that such financial institutions may not investigate discrepancies between names and numbers. In addition, you agree that we have no responsibility to investigate discrepancies between names and numbers.
22. Joint Account Holder
By using Bank to Bank Transfers, you confirm that, if any of your Accounts is a joint account, your joint account holder has consented for you to use your Accounts for the Service. We will end your use of the Service if any joint account holder notifies us that (i) they never consented to your use of our Bank to Bank Transfers service, (ii) the joint account can no longer be operated on your instructions alone, or (iii) they are withdrawing consent for you to operate the joint account.
23. Means of Transfer
You authorize us to select any means we deem suitable to provide your Bank to Bank Transfer instructions to the applicable financial institution. These choices include banking channels, electronic networks, and funds transfer systems. You agree to be bound by the rules and regulations that govern the applicable funds transfer systems, such as automated clearinghouse (ACH) as published by the National Automated Clearinghouse Association (NACHA). We shall make all reasonable efforts to ensure that your transfer requests are processed on time; however, we reserve the right to hold funds beyond the normal period and if any interest is earned will be the property of HSBC.
24. Our Liability
If we do not provide a funds transfer instruction on time, if we cause an incorrect amount to be removed from an Account or if we cause funds from an Account to be transferred to any account other than the Account specified in the applicable funds transfer instruction, we shall be responsible for returning the improperly transferred funds and/or for directing any misdirected funds to the proper Account. HSBC is not responsible or liable if your financial institution's system fails and we are unable to complete the transfer. Except as otherwise required by law, HSBC shall in no other event be liable for any losses and damages other than those arising from gross negligence or willful misconduct on our part or if we breach a representation or warranty of HSBC hereunder.
You agree that your transfer instructions constitute authorization for us to complete the transfer. You represent and warrant to us that you have enough money in the applicable Accounts to make any Bank to Bank Transfer you request that we make on your behalf through the Service. You understand and agree that we are not liable under any circumstances for any losses or damages if, through no fault of ours, you do not have enough money to make the Bank to Bank Transfer and the Bank to Bank Transfer is not completed or is later reversed or if your financial institution does not permit the transfer or the Bank to Bank Transfer would exceed the credit limit on any applicable overdraft line.
You also understand and agree that we are not responsible for any losses or damages if circumstances beyond our control (such as fire or flood) prevent us from making a Bank to Bank Transfer or if the HSBC website was not working properly and you knew about the breakdown when you started the Bank to Bank Transfer.
25. Your Right to Cancel a Bank to Bank Transfer
You can cancel or stop a single Bank to Bank Transfer anytime before the debit transaction is sent to the Federal Reserve Bank through the Bank to Bank Transfers service via Personal Internet Banking. If the transfer is a recurring transfer set up on the Bank to Bank Transfers service, then you can cancel that Transfer through the use of 'Bank to Bank Transfers' via Personal Internet Banking as long as the request is received before the Process Date of the next recurring transfer. Once a recurring transfer is cancelled, all future transfers will be cancelled and you must reschedule it if you want transfers to be made in the future.
26. Limitation of Warranty and Liability
27. Indemnification
You agree to indemnify, defend and hold harmless HSBC, its service provider, its affiliates, partners, officers, directors, employees, consultants, service providers and agents from any and all third party claims, liability, damages and/or costs (including, but not limited to, attorneys' fees) arising from your use of the Bank to Bank Transfers service, our reliance on the information, instruction, license and/or authorization provided by you under or pursuant to this Agreement, your violation of the Terms or your infringement, or infringement by any other user of your Accounts, of any intellectual property or other right of any person or entity.
28. Miscellaneous
You understand and agree that our service provider is not a bank, a broker-dealer firm, or any other kind of financial institution. You represent and warrant that you are who you claim to be; that you are the rightful owner of all Content and the Accounts linked for the purposes of the Bank to Bank Transfers; and that you are rightfully authorizing us to access the Accounts.
You agree that our rights and remedies arising out of any breach of your representations and warranties in this Agreement, the limitations on our liability and our rights to indemnification under this Agreement are continuing and shall survive the termination of this Agreement, notwithstanding the lack of any specific reference to such survivability in these provisions. HSBC's failure to enforce the strict performance of any provision of this Agreement will not constitute a waiver of HSBC's right to subsequently enforce such provision or any other provisions of this Agreement.
The most current version of this Agreement as it appears on our website, including any amendments that we may make from time to time, constitutes the entire agreement between us, and supersedes and replaces all other agreements or understandings, whether written or oral, regarding the Bank to Bank Transfers service. This Agreement may be amended, or any of HSBC's rights waived, only if HSBC agrees in writing to such changes, or you continue using the Bank to Bank Transfers service following receipt of notice of any changes proposed by HSBC. All notices to you shall be in writing and shall be made either via email, conventional mail or messages delivered through the Services, at HSBC's discretion. All notices to HSBC must be made in writing and sent to HSBC via registered or certified mail.HSBC Bank USA, N.A.
P.O. Box 2013
Buffalo, NY 14240
This Service and these Terms are personal to you and may not be assigned to anyone by you.
If either of us has any dispute or disagreement with the other regarding this Service that we cannot resolve amicably, both parties agree that the sole and exclusive remedy shall be binding arbitration in accordance with the then-current rules and procedures of the American Arbitration Association. This Service shall be governed by and construed in accordance with the laws of the State of New York, without giving effect to its conflict of laws provisions or your actual state or country of residence. If for any reason a court of competent jurisdiction finds any provision or portion of the Terms to be unenforceable, the remainder of the Terms will continue in full force and effect.
Electronic Funds Transfer Provisions for Consumers
The provisions in this section apply only to electronic funds transfers that debit or credit a consumer's checking, savings or other asset account and are subject to the Federal Reserve Board's Regulation E (an 'EFT'). HSBC may rely on any exceptions to the provisions in this section that are contained in Regulation E. All terms not otherwise defined in these Terms and Conditions which are defined in Regulation E will have the same meanings when used in this section as they do in Regulation E.
Your liability for an unauthorized EFT or a series of related unauthorized EFTs will be determined as follows:
- If you notify us within two business days after learning of the loss or theft of your log on credentials, your liability will not exceed the lesser of $50 or the amount of unauthorized EFTs that occur before notice to us.
- If you fail to notify us within two business days after learning of the loss or theft of your log on credentials, your liability will not exceed the lesser of $500 or the sum of:
- $50 or the amount of unauthorized EFTs that occur within the two business days, whichever is less; and
- The amount of unauthorized EFTs that occur after the close of two business days and before notice to us, provided we establish that these EFTs would not have occurred had you notified us within that two-day period.
- You must report an unauthorized EFT that appears on a periodic statement within 60 days of our transmittal of the statement to avoid liability for subsequent transfers. If you fail to do so, your liability will not exceed the amount of the unauthorized EFTs that occur after the close of the 60 days and before notice to us, and that we establish that they would not have occurred had you notified us within the 60-day period. You may, as applicable, also be liable for the amounts described in the two immediately preceding paragraphs.
- If your delay in notifying us was due to extenuating circumstances, we will extend the times specified in the three immediately preceding paragraphs to a reasonable period.
Telephone Number and Addresses
The telephone number and address to be used to notify HSBC when you believe that an unauthorized EFT has been or may be made are:
- Customer Service at 1-800-975-HSBC (1-800-975-4722) (24 hours a day, 7 days a week)
- Or you may write to HSBC Bank USA, National Association, PO Box 2013, Buffalo, NY 14240
Your Right to Receive Documentation of Transfers
You will receive a periodic statement in the mail for each Account, unless you have chosen to receive eStatement Service, or you have an HSBC online-only Account that provides electronic delivery of all notices, statements and disclosures. Your statement will reflect all your transactions, including your Personal Internet Banking transactions. If you have registered for the Bill Pay service, your periodic statement will reflect bill payments.
Liability for Failure to Complete Personal Internet Banking Transactions
If we do not complete a Personal Internet Banking Transaction on time or in the correct amount according to this agreement with you, we will be liable for your losses or damages caused by such failure but not for any special or consequential damages, unless required by applicable law. However, there are some exceptions. We will not be liable for any indirect, incidental, special or consequential damages if our failure was not intentional and resulted from a bona fide error, notwithstanding our procedures to avoid such error, for instance:
- IF you do not have enough available funds in your Account to make your transfer, unless you have authorized HSBC to use your usable balance from your HSBC Premier with Sweep Account, your Asset Management Account, your Commercial Asset Management Account, your Money Market Mutual Fund Account, or available credit from your MasterCard®, VISA®, Select Credit Account or Express Line Account.
- IF your computer malfunctions.
- IF the Web Browser or the processing center of HSBC or its agent that is used for Personal Internet Banking is not working properly and you knew or were advised by HSBC or its agent about this when you made the Internet Banking Transaction.
- IF circumstances beyond our control (such as fire, flood, computer failure or interference from an outside force) prevent the Personal Internet Banking transaction from being properly made or completed.
- IF your log on credentials have been reported lost or stolen or we have reason to believe that the Personal Internet Banking transaction is unauthorized.
- IF the transaction would violate any applicable provision of any risk control program or applicable policies, procedures or practices, or government regulations.
- IF we have reasonable cause not to honor an instruction for our protection or for yours.
- IF your Personal Internet Banking access has been suspended.
- IF the funds in your Account are subject to legal process or other encumbrance restricting the transfer.
- IF the Bill Payment Process Date is not at least 5 (five) Business Days prior to the due date of such payment.
- IF the payee has a mailing address outside the U.S. or if the Bill Payment is to pay any taxes, or to make a court-ordered or directed payment.
There may be other exceptions stated in our agreements with you.
In Case of Errors or Questions About Your Personal Internet Banking Transactions
If you think your Account statement sent to you by HSBC or transaction information obtained by you through Personal Internet Banking is wrong or if you need more information about a Personal Internet Banking transfer listed on that statement, contact us as soon as possible. You must notify us no later than 60 calendar days after we sent, or you obtained through Personal Internet Banking, the first statement in which the problem or error appeared. Call the telephone number on your statement or 1-800-975-HSBC (1-800-975-4722). Representatives are available Monday - Sunday 7:00am - 12:00am ET.
You may also write HSBC at:HSBC Bank USA, National Association
PO Box 2013
Buffalo, NY 14240
- Tell us your name and the Account number.
- Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
- Tell us the dollar amount of the suspected error.
- Tell us the date the error occurred.
If you inform us verbally, we may require that you send us your complaint or question in writing within 10 Business Days.
We will report back to you within 10 Business Days after we hear from you and will correct any error promptly. If we require more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will credit your Account within 10 Business Days for the amount you think is in error, so that you can use the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days, we do not have to re-credit your Account.
If a notice of error involves a Personal Internet Banking transaction that occurred within 30 days after the first deposit to the account was made, the time period for action listed above will be 20 Business Days in place of 10 Business Days and the time period for investigation will be 90 calendar days in place of 45 calendar days.
If we decide that there was no error, we will send you a written explanation within 3 Business Days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.
If your Account is in the joint names of you and one or more other persons, then each of you will be responsible for Personal Internet Banking transactions made by any of you.
Electronic Delivery of Notices and Disclosures
- If you choose the eStatement Service for HSBC Bank Product account(s), or, for your HSBC online-only Account(s) which all require the eStatement Service, you will receive an email alert when your periodic online statement is ready or when notices or other disclosures are available. It is your responsibility to inform us of any changes to your email address.
- HSBC Bank Product accounts - Personal Checking accounts must be enrolled in RecordCheck® (your checks are not returned to you) to be eligible to receive an eStatement. Personal Savings accounts are eligible for eStatements. Credit Card and Select Credit accounts must be in good standing to be eligible for eStatements.
- Any statement shown on Personal Internet Banking that does not have the electronic statement indicator selected will continue to be delivered through the U.S. Mail.
- No paper statements, notices or other disclosures will be mailed for HSBC online-only Accounts.
- Primary account holders enrolled for eStatements will receive their 1099-INT annual interest statement in the left navigation under eStatements after January 1st of each year. In the event that you are unable to print your 1099-INT from the Personal Internet Banking service you may request a paper copy by sending a BankMail request.
Accessing eStatements
HSBC will send electronic notice to the email address provided and deliver selected periodic account statements, notices and other disclosures to your HSBC Personal Internet Banking account. You will have access to an electronic version of your account statement(s) for up to 12 months. This service provides you with the flexibility to print and save account statements that are made available online. You may select electronic delivery of one or all of the listed statements. Electronic delivery is required for all HSBC online-only accounts.
Your paper statement on request
At your request, HSBC will send you a paper copy of your electronic statement previously delivered through the Personal Internet Banking service at any time. HSBC's standard fee then in effect and charged for paper delivery copies of account statements will apply. Paper copies of electronic statements can be requested by contacting HSBC's Customer Relationship Center at 1-800-975-4722 or other location as HSBC may advise. A request for a paper copy does not cause a termination of the electronic statement service. A paper copy of electronic statements can be obtained until the copy is no longer required to be maintained as a record for the designated account under applicable law or regulation.
HSBC will not mail to you paper copies of account disclosures, statements, notices and other communications for accounts included in your eStatement Service, including any applicable IRS Forms 1099. To request a paper copy of account disclosures, statements, notices, and other communications for HSBC Bank Product accounts, you must write to HSBC Bank USA, N.A., PO Box 4045, Buffalo, NY 14240 or email@example.com.
If you want to withdraw consent for the eStatement Service for your HSBC online-only account(s), you will have to close the HSBC online-only account(s).
Joint personal account holders
Each joint account holder may sign up to receive eStatements individually. For Credit Card and Select Credit accounts, only primary cardmembers/accountholders may register for eStatements. To cancel the eStatement Service, only one owner of the account needs to request the change. The eStatement Service cannot be cancelled for HSBC online-only Accounts.
HSBC may deliver paper disclosures at its discretion, HSBC may deliver statements, notices, agreements, disclosures and information about your account(s) in paper form to your last postal mailing address of record.
HSBC will send an email alert when your eStatement is available The only notice that you will receive advising you that your electronic periodic statement has been posted to Personal Internet Banking will be by email alert sent to the single, specific email address selected and confirmed and validated by you upon enrollment. One attempt will be made to notify you by email that your eStatement is available to view. If the email address provided is returned as "undeliverable", you will be prompted to enter a new email address the next time you attempt to use the eStatement Service in Personal Internet Banking. This email will be the only notice you will receive and no other notice will be sent. Any and all notices sent by HSBC to the email address will constitute sufficient and effective delivery to you and all owners of the information contained in your electronic statement whether or not you access or review the notice, Personal Internet Banking site or specific electronic statement, and shall be deemed to have been delivered to you personally, whether actually received or not. You agree to maintain access to Personal Internet Banking in a manner that gives you continuous ability to access, review and print your electronic statements and to receive and access all notices sent to you at the designated email address. It is your sole responsibility to advise HSBC immediately of any changes or updates to the designated email address. There are certain risks associated with the transmission of email notices through the Internet including but not limited to unauthorized access, system outages, delays, disruption in telecommunications services and the Internet. Email is not private or secure. The email notice sent to you by email is an unencrypted, automatic notice. Although the notice is not intended to contain personally identifiable confidential financial information, it may contain in its design, part or all of your name or other identifier, which could be seen or intercepted by others if delivered to your business address or other computers or electronic devices not exclusively under your control. Do NOT respond to the email notices by return email, or use the reply function to request information, service, paper copies or other items or to revoke consent. HSBC will not be responsible to act upon requests made in that manner.
Canceling the eStatement Service
You or any designated account owner may revoke consent for the eStatement Service for one or more HSBC Bank account(s) accessed through Personal Internet Banking, other than HSBC online-only account(s), at any time by un-enrolling your account(s) through the eStatement Service, Modify Settings page located in HSBC's Personal Internet Banking. Electronic posting of your electronic statement on Personal Internet Banking and transmission of related email notices will continue until: (1) termination of the eStatement Service, (2) termination of your designated account(s) with HSBC, or (3) termination of your Personal Internet Banking service with HSBC. HSBC may terminate the eStatement Service for any or all designated accounts at any time. Upon such termination, delivery of paper copies of periodic account statements, notices and disclosures will resume within a reasonable time. Termination of the eStatement Service does not affect the validity or legal effect of any eStatement Service delivered to you or any owners of the account(s) through Personal Internet Banking. Termination of the eStatement Service does not terminate the Personal Internet Banking service unless otherwise so stated.
To withdraw consent, or to provide updated information on how HSBC Bank USA, N.A. may contact you electronically, you must write to HSBC Bank USA, N.A., PO Box 4045, Buffalo, NY 14240 or email@example.com.
Hardware and Software Requirements
You agree that you have or will have access at all times to a personal computer capable of supporting at your cost; high level browser encryption, Internet access, a valid email address, and Personal Internet Banking. You must also have access to Adobe Acrobat Reader to utilize PDF files.
If the method of electronic delivery by HSBC changes so as to require additional software, upgrades, plug-ins or additional security features in your hardware of software system used by you for HSBC Bank Products account(s), you may terminate the eStatement Service or you may agree to upgrade your hardware or software system to the required standards. If you want to withdraw consent for electronic delivery for your HSBC online-only Account(s), you will have to close the HSBC online-only Account(s).
If HSBC determines that a change to the eStatement Service concerning any future system or hardware enhancement creates a material risk that you may not be able to access or retain a subsequent electronic record, HSBC will notify you of such change and allow you to withdraw consent for this eStatement Service for HSBC Bank Products account(s), whereupon HSBC may terminate this service until you choose to enroll again in this service and deliver a new consent to participate in this service by accepting HSBC's online consent form posted on Personal Internet Banking. If you want to withdraw consent for electronic delivery for your HSBC online-only Account(s), you will have to close the HSBC online-only Account(s).
You understand that your accessing electronic statements through Personal Internet Banking and receiving email notices may incur certain costs associated with email, electronic access, downloading, online time and subscription costs associated with Internet and telecommunications service providers, paper and printing costs, and equipment or software upgrades if necessary. You agree that you will pay all such costs and expenses in connection with your use of the eStatement Service.
Except to the extent that we are liable under these Terms and Conditions or an agreement that governs an Account of yours, if you are an owner of an Account, you agree to indemnify and hold us, our directors, officers, employees and agents harmless from all loss, liability, claims, demands, judgments and expenses arising out of or in any way connected with an Account or the performance of Personal Internet Banking, EasyView, or Bill Pay Services. This indemnification is provided without regard to whether our claim for indemnification is due to the use of Personal Internet Banking by you or your authorized representative.
Limitation of Liability
Except as specifically provided in these Terms and Conditions or where applicable law requires a different result, NEITHER WE NOR OUR SERVICE PROVIDERS OR OTHER AGENTS WILL BE LIABLE FOR ANY LOSS OR LIABILITY RESULTING IN WHOLE OR IN PART FROM ANY ACT OR FAILURE TO ACT OF YOUR EQUIPMENT OR SOFTWARE, OR THAT OF AN INTERNET BROWSER PROVIDER, OR BY AN INTERNET ACCESS PROVIDER, BY AN ONLINE SERVICE PROVIDER OR BY AN AGENT OR SUBCONTRACTOR FOR ANY OF THEM, NOR WILL WE OR OUR SERVICE PROVIDERS OR OTHER AGENTS BE RESPONSIBLE FOR ANY DIRECT, INDIRECT, SPECIAL, OR CONSEQUENTIAL ECONOMIC OR OTHER DAMAGES ARISING IN ANY WAY OUT OF YOUR ACCESS TO OR USE OF, OR FAILURE TO OBTAIN ACCESS TO PERSONAL INTERNET BANKING, EASYVIEW, OR BILL PAY SERVICES.
BankMail (Secured Email)
We will respond to your BankMail promptly after we receive it. Do not use BankMail if you need to contact us immediately. Call us at 1-800-975-HSBC (1-800-975-4722) Monday - Sunday 7:00am - 12:00am ET. We may use BankMail to communicate occasional updates of new features, surveys and special offers from HSBC.
Recording of Phone Calls and Email
You authorize HSBC and its agents to record or copy any phone call made to or email sent to HSBC concerning Internet Banking.
Personal Internet Banking and the Bill Pay service are FREE to all HSBC Customers. Your Internet service provider may charge fees. Electronic transaction charges may apply. Please refer to your account agreement.
Business Accounts on Personal Internet Banking
You acknowledge that HSBC offers Business Internet Banking and HSBCnet for business accounts. Business Internet Banking and HSBCnet provide additional security features. Personal Internet Banking is primarily intended for consumer accounts. Business Internet Banking provides built-in security features permitting you to establish transfer and account access limitations that are not available on Personal Internet Banking. You have chosen not to use Business Internet Banking and have authorized HSBC to accept funds transfer instructions affecting your business accounts by Personal Internet Banking.
You acknowledge responsibility for all funds transfers affecting your business accounts initiated using Personal Internet Banking. HSBC shall have no duty to verify the identity of the person or persons using your Personal Internet Banking Account to transfer funds and transact on your business accounts other than the standard authentication security procedures provided for Personal Internet Banking.
You shall at all times indemnify, defend and hold HSBC harmless from and against all actions, proceedings, claims or loss, damage, costs and expenses which may be brought against HSBC or incurred by HSBC and which shall have arisen in connection with the instructions transmitted by Personal Internet Banking relating to your business accounts.
Changes to the Terms of the Agreement
HSBC may change this Agreement by electronically sending to you a BankMail notice, mailing to you a notice or posting a notice of such change in an HSBC branch where you maintain your Account. However, if the change results in (1) increased or new fees or charges, (2) increased liability for you, (3) fewer types of available Personal Internet Banking services, or (4) stricter limitations on the frequency or dollar amounts of transfers, then, unless the change must be made immediately for security reasons, at least 30 days before the effective date of the change HSBC will either electronically send you a BankMail notice or mail a written notice to you.
Any notice to you will take effect when it is personally delivered to you or by BankMail to you by Internet Banking or mailed to the last address we have for you in our records.
Other Rules
Personal Internet Banking transactions are also subject to HSBC account agreements and rules, and your access and use of Personal Internet Banking is also subject to these terms and conditions.
HSBC may cancel your Personal Internet Banking access without prior notice if there has been no Personal Internet Banking activity for a period of 6 consecutive months or for any other reason. HSBC may suspend your Bill Payment service without prior notice if there has been no Bill Payment activity for a period of 3 consecutive months or for any other reason. You may cancel the EasyView Service at any time by sending a request for cancellation via the secure email form on the EasyView site. Upon confirmation of your request, your EasyView Service will be cancelled and all your account information will be deleted. Please keep in mind that extended periods of inactivity may also result in your EasyView Service being cancelled. If your Personal Internet Banking access is cancelled for any reason your access to EasyView Service will also be cancelled.
We may assign our rights under this Agreement to a company affiliated with us or to any other party.
Applicable Law
This Agreement shall be governed by the laws of the State of New York and applicable federal law and regulations.
(Rev 03/11/14)


text:
Duck Dynasty Jase Talking Wacky Wobbler
Sale Price: $16.95
To Order by Phone Call 1-800-933-6249
- Additional Details
- Batteries: 3 Button Batteries (Included)
- Dimensions: 6" tall
Jase Says:
"Redneck rule number one, most things can be fixed with extension cords and duct tape."
"RV to us stands for Redneck Vacation."
"In the south, road kill is a rednecks paycheck."
"When you don't know what you are doing, you might as well do it quickly."
"Frog catching is the most fun a human being can have while on this earth."

subset: commoncrawl


text:
Information contained on this page is provided by an independent third-party content provider. WorldNow and this Station make no warranties or representations in connection therewith. If you have any questions or comments about this page please contact email@example.com.
SOURCE Bohemian Guitars
The company will make a donation to partnering nonprofits for each guitar sold on a Friday
ANAHEIM, Calif., Jan. 23, 2014 /PRNewswire/ -- NAMM 2014 -- Today, at the 2014 NAMM show, Bohemian Guitars, maker of one-of-a-kind electric guitars inspired by the streets of South Africa, announces 'Far Out Fridays', a social action initiative aimed to promote music education and music therapy services to children around the world.
(Logo: http://photos.prnewswire.com/prnh/20140123/PH51242LOGO )
The special initiative begins tomorrow, Friday, Jan. 24: For each Bohemian Guitar sold on a Friday, the company will donate a guitar to partnering organizations.
"One of our key philosophies when launching this startup was that we would give back to the community and support youth music education programs," said Mark Friedman, Chief Bohemian Officer at Bohemian Guitars. "Knowing the many benefits learning an instrument has on early childhood development, we are excited to launch the 'Far Out Fridays' program with some of the most notarized music education and music therapy non-profits in the world. By sharing the gift of music, we hope these kids learn the value of a creative outlet, with perhaps some of them turning into the 'Bohemian' music talents of tomorrow."
Organizations currently signed-up to participate in 'Far Out Fridays' include: Sound Art, Little Kids Rock, Guitars Not Guns, Music Heals, Nordoff Robbins, Fender Music Foundation, GRAMMY Foundation, Pick With Austin, Tipitina's Foundation, Education Through Music, and Ethos.
"We rely on programs like 'Far Out Fridays' so we can offer at-risk youth a creative outlet to divert them from self-destructive behavior," said Ray Nelson, Founder at Guitars Not Guns Music Program. "We are grateful to be working with an organization that understands the positive effects music can have on children's lives."
Inspired by the townships in South Africa, Bohemian Guitars creates one-of-a-kind guitars using unconventional materials, producing a sound like no other guitar on the market. For more information on 'Far Out Fridays' and to learn more about Bohemian Guitars line of electric guitars, please visit us at NAMM at booth #1153. You can also visit www.BohemianGuitars.com or one of the following social media channels: Facebook, Twitter, Instagram, YouTube, Pinterest, and Google+.
About Bohemian Guitars
Founded in 2012, Bohemian Guitars launched its first product line through a successful Kickstarter campaign in January 2013. Bohemian Guitars puts a creative spin on a timeless and classic instrument, the guitar, by creating one-of-a-kind electric guitars, basses, mandolins and ukuleles, using unconventional materials such as vintage oil cans and lunch boxes. Stay in tune with Bohemian Guitars by visiting BohemianGuitars.com or through our social media channels: Facebook, Twitter, Instagram, YouTube, Pinterest, and Google+.
Media Contact
Erica McCarthy
Read more news from Bohemian Guitars.
©2012 PR Newswire. All Rights Reserved.


text:
No Tune Required. Unlike other Cold Air Intakes on the market for the 2005-2009 GT mustangs the BBK CAI does not require a computer re-tune. The engineers at BBK really did their homework to improve your pony's power using the stock factory tune.
Reusable Filter. BBK designed the high flow cotton air filter to be reusable. So no need to go out and buy a new filter every few thousand miles. Just clean the filter, re-oil it, save money, and go!
Titanium Powder Coat Finish. The BBK CAI not only improves your pony's horsepower and acceleration, but improves your mustangs under hood appearance with a beautiful Titanium Powder Coat Finish. You'll be sure to attract attention at all the car shows with this jewel under the hood.
Easy Install. The BBK Cold Air Intake kit is designed to install easily with basic hand tools. No extra modifications or special tools are required for the installation. All parts and instructions are included.
CARB Certified. Best of all this BBK Mustang Cold Air Intake Kit is 50-state smog legal under Carb EO# D-245-14 (applies to 2005-2006 GT only).
Mustang Fitment: 2005, 2006, 2007, 2008, 2009 Details >>


text:
Missing man, 74, found safe, unhurt
NEW BRITAIN, Conn. (AP) — New Britain police say a 74-year-old local man who went missing and prompted a statewide silver alert has been found safe.
Police say Neville Phillips was found walking along a street Tuesday by a bus driver who regularly takes him to a care center.
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text:
Fraternal correction is here taken to mean the admonishing of one's neighbor by a private individual with the purpose of reforming him or, if possible, preventing his sinful indulgence. This is clearly distinguishable from an official disciplining, whose mouthpiece is a judge or other like superior, whose object is the punishment of one found to be guilty, and whose motive is not so directly the individual advantage of the offender as the furtherance of the common good. That there is, upon occasion and with due regard to circumstances, an obligation to administer fraternal correction there can be no doubt. This is a conclusion not only deducible from the natural law binding us to love and to assist one another, but also explicitly contained in positive precept such as the inculcation of Christ: "If thy brother shall offend against thee, go, and rebuke him between thee and him alone. If he shall hear thee, thou shalt gain thy brother" (Matthew 18:15). Given a sufficiently grave condition of spiritual distress calling for succour in this way, this commandment may exact fulfilment under pain of mortal sin. This is reckoned to be so only when
Of course the reproof is to be administered privately, i.e. directly to the delinquent and not in the presence of others. This is plainly the method appointed by Christ in the words just cited and only as a remedy for obduracy is any other contemplated by Him. Still there are occasions upon which one might lawfully proceed in a different way. For instance
APA citation. (1908). Fraternal Correction. In The Catholic Encyclopedia. New York: Robert Appleton Company. http://www.newadvent.org/cathen/04394a.htm
MLA citation. "Fraternal Correction." The Catholic Encyclopedia. Vol. 4. New York: Robert Appleton Company, 1908. <http://www.newadvent.org/cathen/04394a.htm>.
Ecclesiastical approbation. Nihil Obstat. Remy Lafort, Censor. Imprimatur. +John M. Farley, Archbishop of New York.
Contact information. The editor of New Advent is Kevin Knight. My email address is feedback732 at newadvent.org. (To help fight spam, this address might change occasionally.) Regrettably, I can't reply to every letter, but I greatly appreciate your feedback — especially notifications about typographical errors and inappropriate ads.


text:
Definition of nuptial in English:
nuptialSyllabification: nup·tial
Pronunciation: /ˈnəpSHəl, -CHəl /
- 1Of or relating to marriage or weddings: moments of nuptial blissMore example sentences
matrimonial, marital, marriage, wedding, conjugal, bridal; married, wedded• literary connubialLaw spousal
- As far as I know, nobody has ever been injured or killed during a gay wedding - though what happens after nuptial bliss subsides, who can say?
- Interestingly, I have thought about where I would go for my honeymoon, and when that time of nuptial bliss comes along, I have always thought I would make it Jamaica.
- Away from the mundane rituals, the couple preferred to plant tree saplings at the Pudupettai area in Salem city to mark their entry into the life of nuptial bliss.
- 1.1 Zoology Denoting the characteristic breeding behavior, coloration, or structures of some animals: nuptial plumageMore example sentences
- The males develop nuptial coloration consisting of red-colored fins and eyes.
- This specimen is an adult male in very high nuptial plumage, and is No.3002 of my register.
- Scientists have found that, even in the animal kingdom, males hand out so-called nuptial gifts that seem to be worthless.
noun(usually nuptials) Back to top
- A wedding: the forthcoming nuptials between Richard and JocelynMore example sentences
wedding, wedding ceremony, marriage, union• archaic espousal
- They daydream about the jealousy in the eyes of friends when they announce the forthcoming nuptials and the wonderful future life in the sun.
- Best wishes to Clive Burgess and Trish Connolly on their forthcoming nuptials.
- The couple are still to set a date for their forthcoming nuptials.
late 15th century: from Old French, or from Latin nuptialis, from nuptiae 'wedding', from nubere 'to wed'; related to nubile.
More definitions of nuptialDefinition of nuptial in:
- The British & World English dictionary
- The English Synonyms
- The US English Synonyms
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text:
Sunday, May 10, 2009
Happy Mother's Day
It makes today easier, because I don't miss it.
When your young child dies, what do you miss? My ten year old used to make me those cards, and her four year old self is as absent from me as Henry is. I'm certain I don't remember Mother's Day with her at age 4.
Right now I miss him, as he was when he died. Is that what I will always miss? Will I "miss" him as he would have been at age 10? Can you miss what never was?
I've never been overly into Mother's Day, except for the fact that it tends to land on a sunny spring Sunday. I don't expect today to be awful for me, but I've been unexpectedly broadsided enough times that it wouldn't surprise me. I am forever fortunate to have my beautiful girls, and will try to keep that in mind today.
When I'm not feeling so sad, I can be grateful for being Henry's mom too. Some days I can't help that being outweighed by missing him.
7 comments:
- THAT GIRL said...
"Can you miss what never was?"
I think so... it's funny how we measure time. Makes me think of that song from Rent (goofy, I know...) How do you measure life?
In daylights, in sunsets, in midnights
In cups of coffee
In inches, in miles, in laughter, in strife.
In truths that she learned,
Or in times that he cried.
In bridges he burned,
Or the way that she died.
For what it's worth, hope you have a beautiful day with your girls.
- May 10, 2009 at 8:10 AM
Dr. Smak:
Happy Mother's Day to you too.
- May 10, 2009 at 8:12 AM
- FrankandMary said...
Through work I've done in Pedi & volunteering at the Ronald McDonald House, I've seen parents who miss what would have been at 10or 20, but I always think of how very lucky the child was, the parent was, to have each other for the time they did. I realize that is easier to do when I am not the parent, much. But sometimes parents pack 30 years of love into 4. ~Mary
- May 10, 2009 at 9:48 AM
- rlbates said...
Hope you have a beautiful spring sunny day making great memories. :)
- May 10, 2009 at 10:00 AM
beautifully said.
Though my Dad has been gone for almost 34 years it only takes a whiff of someone wearing his aftershave, seeing the back of someone's head shaped like his, the comfort of flannel, a car like his, a song or food he loved, and I am once again a child of nine deeply missing her father, feeling cheated, and shocked to realize that at 43 I have lived 5 years longer than he.
I'm no longer blindsided...just appreciative of his love for the short time we had together.
- May 10, 2009 at 10:09 PM
- Cathy said...
Was thinking of you today. I hope you, your girls and your husband had a good day.
- May 10, 2009 at 10:52 PM
- Anna said...
Many many years ago, my little brother's best friend was diagnosed with leukemia just before they were to begin kindergarten, and he died when he was nine. What I remember so clearly is how his parents (our neighbors) always looked at my brother. It seemed to me that they were looking at him as if they were trying to imagine what their son (Steven) would have been like at that age, my brother's age - year after year. It was when my brother reached certain milestones that I saw the sadness in their eyes.
I'm sorry you only had four years with Henry.
May the memories of your sweet little boy always bring a smile to your face.
- May 11, 2009 at 2:11 PM


text:
Shrink Rap has posted on the recent news regarding increased suicidality rates since the black box warning was added. I had previously posted on the warning, as it was clear that this was going to become an access issue for patients.
This was not a patient safety issue. This was a CYA issue.
Is there any evil in the world that at some level can't be traced to a lawyer?
The FDA, having made a few recent snafus, is trigger happy with the black box warning, when physician education would have been more appropriate. It's a lawyer thing.
Physicians, so as not to be sued, either avoid antidepressants in patients who would otherwise benefit, or "educate" the patients so thoroughly on the risks of treatment that zoloft looks like a death sentence, and many reasonable people won't touch it.
How about a class action lawsuit against lawyers for over-lawyering?
All kidding aside, there is a lot of talk about the huge expense in US medicine as a result of CYA test ordering and other activity. There is less talk about mortality as a direct result of CYA. For me, this clearly falls in to that category. Patients are dying because of lawyers.
Tort reform would be nice for doctors. We won't pay as much for malpractice.
But tort reform is needed for patient safety as well.
Saturday, September 8, 2007
3 comments:
- The Country Doctor said...
I wrote an article for a primary care practice management magazine about a year ago which I called "Black Box Mania" describing the potential problems the exponential rise in black box warnings will cause patients and physicians. Initially it seemed well received, but then a reviewer took a disliking to it and commented that I really didn't understand the complexity of the issue. I think I understood it just fine as do you.
- September 9, 2007 at 8:21 AM
- PalMD said...
A big "amen"!
- September 9, 2007 at 1:42 PM
I suspect that the snake in the garden of Eden was probalby a lawyer, too. So really that would make the the source of all the evil in the world. And the hoity-toity reviewers can go pound sand!
- September 11, 2007 at 9:21 PM
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text:
Whitney Museum of American Art
Manhattan – Upper East Side
- related content/
Whitney Museum of American Art
945 Madison Ave. (Madison/75)
Manhattan, NY 10021
- phone: 212-570-3600 | fax: 212-570-4169
- hours: Wed.–Thu., Sat.–Sun., 11am–6pm; Fri. 1pm–9pm
- website: www.whitney.org
- twitter: @whitneymuseum
- Visit this member's Facebook page
- get directions
The Whitney Museum of American Art is the world's leading museum of 20th-century and contemporary art of the United States. Focusing particularly on works by living artists, the Whitney is celebrated for presenting important exhibitions and for its renowned collection, which comprises over 19,000 works by more than 2,900 artists. With a history of exhibiting the most promising and influential artists and provoking intense debate, the Whitney Biennial, the museum's signature exhibition, has become the most important survey of the state of contemporary art in the United States.
- admission price:
- Adults $20; 19-25 and 65+ $16; Under 18 free
- additional info:
- Accessibility Info
- Concierge
- Event Space
- Gift Shops
- Kid-Friendly
- Meeting Room
- Restaurant
- Tours


text:
We are pleased to announce the details for the next Business Lunch.
Restaurante Alba Granados,
Enrique Granados, 34,
Thursday 10th April, 2014
13.30-15.45, (longer if need be!)
30 euros all inclusive, payable on arrival
Dress Code; Business casual
The theme of the lunch, as always, is to meet international business people in a relaxed atmosphere where openness, integrity, sincerity and enjoyment prevail.
Many successful business relationships and ventures have started at the business lunch, so come and meet new people or catch up with some not so new.
A guest speaker or two will be talking briefly before the lunch and there will be ample time to network both before, during and after.
Come join us and make business happen!
RSVP by email to firstname.lastname@example.com Places are limited.


text:
Public Stats Home
Annual Services
Reference Questions
ILLs Loaned
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Materials Challenges
Internet Challenges
Total Number of Challenges
Number of Challenged Titles
Circulation and Hours
Children's Circulation
Circulation of Electronic Materials
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Annual Operating Hours
Evening & Weekend Hours Per Week
Average hours open per week, per outlet
Print Volumes
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Other Audio
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Total Video
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Number of Unique Visitors to Library Website
Uses of Internet Computers
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Public Access Computers
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Unreserved Undesignated Fund Balance
Reserved (Restricted) Fund Balance
Expenditures - Staff
Staff Salaries
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Central Library
Number of Branches
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Videos per 1,000 Served
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Music Items per 1,000 Served
E-books per 1000 Served
Electronic Subscriptions per 1,000 Served
Electronic Databases per 1,000 Served
Output Measures
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Reference Questions per Capita
Turnover Rate (Physical Collection)
Program Attendance per 1,000 Served
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Local Revenue per Capita
Materials Expenditures per Capita
Music Items per 1,000 Served
Print Volumes per Capita
Program Attendance per 1,000 Served
Public Service Hours per Week
Reference Questions per Capita
Staff per 10,000 Circulation
Staff per 1,000 Reference Transactions
Staff per 1,000 Served
Subscriptions per 1,000 Served
Turnover Rate (Physical Collection)
Videos per 1,000 Served
Library Visits per Capita
Public Access Computers per 1,000 Served
Children's Programs
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text:
129 Rebecca Dr, Hillsborough
112 S Churton St, Hillsborough
NIce store with beautiful jewelry. Great location and nice staff, very knowledgeable. I would love just about anything from this store!!!
135 Boone Sq St, Hillsborough
Congratulations Faulkner's on being voted to Dance Studio in Orange County and Hillsborough for 3 Straights Years!!!
535 Hampton Pt, Hillsborough
In ShortIn 2005, GameStop merged with EB Games, also known as Electronics Boutique and EBX, to offer video games, consoles and accessories at more than 4,400 stores worldwide.…
662 N Churton St, Hillsborough
In ShortFounded in 1955, the retail chain has more than 8,000 stores in 35 states and offers health and beauty aids, milk, paper products, cleaning supplies and snacks at…
501 Hampton Pt, Hillsborough
In ShortWhat started as Sam Walton's vision in 1962 now accounts for more than $200 billion in annual sales. The well-respected discount store emphasizes value, customer care and…
302 Meadowland Dr, Hillsborough
214 Millstone Dr, Hillsborough
We recently had a new A/C and furnace installed by Warren-Hay. They were professional, efficient, and courteous. The work was done exactly to specification, and we had no…
625 Hampton Point Blvd, Hillsborough
110 Boone Square St Ste 29, Hillsborough
Do not, under any circumstances rent from them. I have been a customer for over ten years, and recently was told that they were updating their system and would no longer be able to…