The following terms and conditions govern the use of this website, an electronic service that permits you to apply for credit and obtain information about credit offered by HSBC Financial Corporation Limited and its subsidiaries (HSBC Retail Services Limited, HSBC Finance Mortgages Inc. (Ontario Mortgage Brokerage # 10155), HSBC Finance Corporation Canada and Household Trust Company (Member of Canada Deposit Insurance Corporation.)¹) ("HSBC"). HSBC, its subsidiaries, corporate parents, affiliates and other members of the HSBC Group² are collectively referred to as, "HSBC Members".

Copyright and Other Intellectual Property:
HSBC, or other HSBC Members, maintains this website and certain other websites that are linked to this site, and is the owner or the authorized user of all text, images, graphics, photos, animation, music, sounds and other materials contained within these websites. The materials contained within these websites, including, without limitation, any copyrights, trademarks, service marks, and all other proprietary materials, are protected by applicable domestic and international copyright laws and treaty provisions, trademarks laws, and other proprietary rights laws. HSBC and/or its Affiliates also owns a copyright in the selection, coordination and arrangement of the material contained within these websites.
The material contained within these websites is provided by HSBC and/or HSBC Members only for lawful uses by customers, employees, and members of the general public. The material may not be copied, republished, incorporated into another website or reproduced (whether by linking, framing, or any other method), transmitted, distributed, uploaded, posted, used to create a derivative work or exploited in any other way without the express written consent of HSBC.

LIMITED LIABILITY:
NEITHER HSBC, HSBC MEMBERS, NOR ANY OTHER PARTY INVOLVED IN THE CREATION, PRODUCTION OR DELIVERY OF THE INFORMATION AT THIS WEBSITE, NOR THE OFFICERS, DIRECTORS, EMPLOYEES OR REPRESENTATIVES OF ANY OF THE FOREGOING, ARE LIABLE IN ANY WAY FOR ANY DIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL, OR INDIRECT DAMAGES (INCLUDING WITHOUT LIMITATION LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY) ARISING OUT OF OR IN CONNECTION WITH THIS WEBSITE OR THE USE OF THIS WEBSITE OR A LINKED WEBSITE OR WITH THE DELAY OR INABILITY TO USE THIS WEBSITE OR A LINKED WEBSITE, WHETHER OR NOT HSBC IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES, TROJAN HORSES OR HARMFUL CODE THAT MAY AFFECT A USER'S EQUIPMENT, ANY INCOMPATIBILITY BETWEEN THIS WEBSITE'S FILES AND THE USER'S BROWSER OR OTHER WEBSITE ACCESSING PROGRAM. FAILURE OF ANY ELECTRONIC OR TELEPHONE EQUIPMENT, COMMUNICATION OR CONNECTION LINES, UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, OR ANY FORCE MAJEURE. HSBC DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THIS WEBSITE OR A LINKED WEBSITE. THE CONTENT, ACCURACY, OPINIONS EXPRESSED, AND OTHER LINKS PROVIDED BY THE LINKED WEBSITES ARE NOT INVESTIGATED, VERIFIED, MONITORED OR ENDORSED BY HSBC. THE INFORMATION, SOFTWARE, PRODUCTS AND DESCRIPTION OF SERVICES PUBLISHED ON THE WEBSITE OR A LINKED WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS, AND HSBC AND HSBC MEMBERS SPECIFICALLY DISCLAIMS ANY LIABILITY FOR SUCH INACCURACIES OR ERRORS. CHANGES ARE PERIODICALLY MADE TO THE INFORMATION ON THE WEBSITE AND LINKED WEBSITES. HSBC MAY MAKE IMPROVEMENTS OR CHANGES TO THE WEBSITE AT ANY TIME.

NO WARRANTIES:
ALL PRODUCTS, SERVICES AND CONTENT ON THIS WEBSITE ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY, OR ACCURACY. NEITHER HSBC NOR HSBC MEMBERS ENDORSES AND NONE ARE RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY INFORMATION ON THIS WEBSITE. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, RELIABILITY, TIMELINESS AND COMPLETENESS OF ANY INFORMATION AVAILABLE ON THIS WEBSITE. HSBC SPECIFICALLY DISCLAIMS ANY DUTY TO UPDATE THE INFORMATION ON THE WEBSITE.
USER AGREES TO INDEMNIFY, DEFEND, AND HOLD HSBC HARMLESS FROM ANY LIABILITY, LOSS, CLAIM AND EXPENSE, INCLUDING ATTORNEY'S FEES RELATED TO A USER'S VIOLATION OF THESE TERMS OF USE OR THE USE OF THE SERVICES AND INFORMATION PROVIDED AT THIS WEBSITE.

Links:
Clicking on certain links within this website or certain other websites that are linked to this website may take you to other websites, or may display information on your computer screen from other websites, which are not maintained by HSBC. Such websites may contain terms and conditions, privacy provisions, confidentiality provisions, or other provisions that differ from the terms and conditions applicable to this website. Links to other Internet services and websites are provided solely for the convenience of users. A link to any service or website is not an endorsement of any kind of the service or website, its content, or its sponsoring organization.
NEITHER HSBC NOR ANY HSBC MEMBER ASSUMES ANY RESPONSIBILITY OR LIABILITY WHATSOEVER FOR THE CONTENT, ACCURACY, RELIABILITY OR OPINIONS EXPRESSED IN A WEBSITE, TO WHICH THIS WEBSITE IS LINKED (A "LINKED WEBSITE") AND SUCH LINKED WEBSITES ARE NOT MONITORED, INVESTIGATED, OR CHECKED FOR ACCURACY OR COMPLETENESS BY HSBC. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, RELIABILITY, TIMELINESS AND COMPLETENESS OF ANY INFORMATION AVAILABLE ON A LINKED WEBSITE. ALL PRODUCTS, SERVICES AND CONTENT OBTAINED FROM A LINKED WEBSITE ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY, OR ACCURACY.

Children:
HSBC does not knowingly market to, or solicit or collect personal information from persons under the age of 18.

Confidentiality of Information:
HSBC has taken reasonable steps to ensure the confidentiality of information taken at this website and transmitted via the Internet. However, unexpected changes in technology may be used by unauthorized third parties to intercept confidential information and we cannot be responsible should confidential information be intercepted and subsequently used by an unintended recipient.

Information and Cookies:
Some of our websites may make use of "cookie" technology to measure website activity, determine how you arrived at our website and maintain your identity as you navigate through the website. Our websites require cookies to allow you to view your statements and transactions online. A cookie is an element of data that a website can send to your browser, which may then store the cookie on your hard drive. Cookies make visiting our website easier for you by saving your preferences while you are at our website. The use of cookies is an industry standard and you will find them at many websites. We use the information from cookies to provide service that are customized to your needs.
HSBC may collect and receive the URL you came from, the pages of HSBC’s website that were viewed during a visit, the advertisements you clicked, any search terms that you entered to reach our website, and certain other information regarding your internet use. See HSBC’s Privacy Statement for how this information may be used.
HSBC may also use third party advertising companies to serve HSBC ads on the Internet. These third party advertising companies also employ cookie technology to measure the effectiveness of ads. To do so, these companies may use information about your visits to HSBC's website and other websites. Unless otherwise notified, these advertising companies do not use names, addresses, e-mail addresses or telephone numbers, and do not link any online actions or cookies to an identifiable person. The use of their cookies is subject to their own privacy policy.

Choice of Law:
All website activity or use and these Terms and Conditions are governed by the laws of Canada and the laws of the Ontario, without regard to conflict of law principles.

Website Content and Material:
The information and materials contained in this website, including but not limited to these Terms and Conditions and any product information, are subject to change without notice. Users are deemed to be apprised of and bound by any such changes. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by us.

Waiver and Severability:
Any waiver of any provision contained in these Terms and Conditions shall not be deemed to be a waiver of any other right, term or provision of these Terms and Conditions. If any provision in these Terms and Conditions shall be or become wholly or partially invalid, illegal or unenforceable, such provision shall be enforced to the extent it is legal and valid and the validity, legality and enforceability of the remaining provisions shall in no way be affected or impaired thereby.

Access to Secured Areas:
Access to and use of password protected and/or secured areas of this website is restricted to authorized users only. Unauthorized persons attempting to access these areas of the website may be subject to prosecution.

Updates:
These Terms and Conditions were last updated December, 2008. Please check periodically for changes.
Mortgage Loans are provided by HSBC Finance Mortgages Inc., 3381 Steeles Avenue East, Suite 300, Toronto, Ontario, M2H 3S7. Registered office in British Columbia: 32700 George Ferguson Way, Unit 6, Abbotsford, BC, V2T 4V6. Registered office in Nova Scotia: 3514 Joseph Howe Drive, Unit 12, Halifax, NS, B3L 4H7.

Household Trust Company is a member of Canada Deposit Insurance Corporation.

¹Household Trust Company provides a variety of deposit products that are eligible for insurance by Canada Deposit Insurance Corporation (CDIC).

² "HSBC Group" means all entities in which HSBC Holdings plc hold, directly or indirectly, a controlling interest in.