Legal

Terms and conditions

Please carefully read the details set out below before using this website (the "Site"). By accessing this Site, you agree to be bound by the following terms and conditions (the "Terms").

References to "you", "your" and "yours" are references to the person(s) accessing the Site.
References to "we", "us" and "our" are references to HSBC Bank Armenia cjsc (Closed Joint Stock Company).
References to "HSBC" or "HSBC Group" are references to HSBC Holdings plc, its subsidiaries and associated companies.

General information on this Site

The information in this Site is based on our understanding of the current law and practice at the time of posting on the Site. Future changes in legislation, tax levels and practice could affect the information in this Site.

The information in this Site is not intended to provide professional advice and should not be relied upon in that regard. Persons accessing these pages are advised to obtain appropriate professional advice where necessary. In some cases, information provided on this Site has been obtained from other sources and while we endeavour to maintain the accuracy of all information, we make no representation or guarantee as to the accuracy of this information and cannot be held responsible for errors or omissions. Persons accessing these pages are advised to obtain proper legal, accounting, tax or investment advice where necessary.

The information in this Site is not, and should not, be construed as an offer to sell or the solicitation of an offer to purchase or subscribe for any investment. Some information in this Site may be obtained from sources believed to be reliable but which has not been independently verified, and no guarantee or representation is made and no responsibility or liability as to its accuracy or completeness is accepted.

Further information and details about our products and services are available at HSBC Bank Armenia offices. This Site is not intended for persons located or resident in jurisdictions that restrict the distribution of information by us. Those people accessing these pages are required to inform themselves thereof and observe any relevant restrictions.

Terms

All our products and services and those of other members of the HSBC Group are subject to the terms and conditions of the applicable agreements governing their use.

These Terms are to be read by you together with any terms, conditions provided in the pages of the Site. In the event of any conflict, the terms, conditions provided in the pages of the Site shall prevail over these Terms.

The information, material and content provided in the pages of the Site may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly and your continued access to or use of the Site will mean that you agree to any changes.

No offer

Neither the information, nor any opinion contained in our Site constitutes an offer to sell or solicitation or an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments.

Users

In general the Site is intended for those who access it within Armenia. Because of this, we cannot guarantee that the Site or the information thereon complies with or is appropriate for use in other places.

The "International Customers" section of the site is intended for customers located outside of Armenia, but the products and services presented there are offered only in jurisdictions where and when they may be lawfully offered by HSBC Bank Armenia and the information is not intended for use by persons located in or resident in jurisdictions which restrict the distribution of the presented material by us. Persons viewing this section are required to inform themselves about and observe any relevant restrictions and tax obligations. Information in this section should not be regarded as an offer or solicitation to sell investments or make deposits in any jurisdiction to any person to whom it is unlawful to make such an invitation or solicitation in such jurisdictions.

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

No guarantees

The following clauses exclude or limit our legal liability for the Site. You should read them carefully. They all apply only as far as the law permits.

Whilst we have taken reasonable steps to ensure the accuracy, availability correctness and completeness of the information contained on the Site, information is provided on an "as is" basis and we do not give or make any guarantee or representation of any kind, whether express or implied. The use of the Site is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the Site to the maximum extent permitted by law.

We do not represent or guarantee that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

We make no representations or guarantees regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.

Third party sites

Where we provide hypertext links to other websites or pages on the Internet, we do so for information purposes only. We are not responsible for the content of any other websites or pages linked to or linking to this Site. We have not verified the content of any such websites. Following links to any other websites or pages shall be at your own risk and we shall not be responsible or liable for any damages or in other way in connection with linking. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our Site.

Cookies

This website, along with most other major websites, use cookies. Cookies are pieces of information that a website transfers to the cookie file on your computer's hard disk. Cookies enable users to navigate around the website and (where appropriate) enable us to tailor the content to fit the needs of visitors who have accessed the site.

HSBC Armenia uses two types of cookie on this website:

  • Session cookies, which are temporary cookies that remain in the cookie file of your computer until you close your browser (at which point they are deleted)
  • Persistent or stored cookies that remain permanently on the cookie file of your computer

Cookies cannot look into your computer and obtain information about you or your family or read any material kept on your hard drive and, unless you have logged onto an authenticated page, cookies cannot be used to identify who you are.

Cookies cannot be used by anyone else who has access to the computer to find out anything about you, other than the fact that someone using the computer has visited a certain website. Cookies do not in any way compromise the security of your computer.

Cookies will not be used to contact you for marketing purposes other than by means of advertisements offered within this website.

Cookies may be used to record details of pages relating to particular products and services that you have visited on this website. This is to provide HSBC Armenia with generic usage statistics to allow the company to improve this website and to provide you with information that may interest you.

In order to develop this website in line with customer needs HSBC Armenia is working with WebTrends to track usage on this website. WebTrends provide HSBC Armenia with statistics to show which pages on this website are visited most frequently and how long visitors spend on this website.

WebTrends uses a cookie to track the number of unique users of this website. It basically tells HSBC Armenia whether the website has a small number of regular visitors or a large number of infrequent visitors. None of the information can be traced to an individual - HSBC Armenia do not know who you are as a unique user, merely that there are a certain number of people using this website. The cookie only relates to what goes on in this website and the information cannot be used for marketing on an individual basis.

For more information about how WebTrends collects data, please read their privacy policy at https://ondemand.webtrends.com/privacypolicy.asp#PSFV. The web browsers of most computers are initially set up to accept cookies. If you prefer, you can set your web browser to disable cookies or to inform you when a website is attempting to add a cookie. You can also delete cookies that have previously been added to your computer's cookie file.

You can set your browser to disable persistent cookies and/or session cookies but if you disable session cookies, although you will be able to view this website's unsecured pages, you may not be able to log onto any authenticated pages.

Please visit http://www.allaboutcookies.org/manage-cookies to discover how to disable and delete cookies.

Internet and e-mail

Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to us or any message sent by us to you over the Internet.

Trademarks and copyright

The content and information contained within our Site or delivered to you in connection with your use of our Site is the property of HSBC and any other third party (where applicable). The trademarks, trade names and logos that are used and displayed on our Site include registered and unregistered trademarks, trade names and logos of ourselves and other third parties. Nothing on our Site should be construed as granting any licence or right to use any trademarks, trade names and logos displayed on our Site. We retain all proprietary rights on our Site. Users are prohibited from using the same without written permission of HSBC of such or such other parties.

The materials on this Site are protected by copyright. Copyright in the pages screens, information and material in their arrangement included in this Site is owned by or licensed to HSBC Group unless otherwise noted. You may imprint, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter anything. No part of the materials on this Site may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without our prior written consent.

Data protection

We may, as a result of your interaction with the Site, hold and process information obtained when you access the Site and use it for servicing our relationship with you, for the purposes of fraud prevention and debt collection, to understand your financial needs, to conduct our business and to provide you with better customer services and products from both within the HSBC Group and those of selected third parties, to evaluate the effectiveness of our marketing of the Site and for statistical analysis.

We will not disclose any such information except if required/obliged by law or governmental or judicial bodies or agencies or to our regulators under proper authority, or where we have your consent.

All personal data held by us will be afforded a high level of protection against any unauthorised or accidental disclosure, access or deletion.

Your queries

If you have any queries, please e-mail us or visit our office for more information. Please see the Privacy Statement and Hyperlink Policy sections of this Site for more details on the use of our Site.

Our information

HSBC Bank Armenia cjsc is regulated by the Central Bank of the Republic of Armenia.

Banking Licence: No. 67 of 20 June 1995

Registered office: 66 Teryan street, Yerevan, 0009, Republic of Armenia

IMPORTANT: By accessing this Site and any of its pages you are agreeing to the terms and conditions set out above.

Note: In case of discrepancies between the Armenian and English versions of this page, the Armenian version shall prevail.

Last modified: 14/07/2015 17:32