About Us - First Direct

About Us - First Direct

About us About us first direct is a division of HSBC Bank plc which is incorporated in England and Wales and is established at 8 Canada Square, Londo...

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About us

About us first direct is a division of HSBC Bank plc which is incorporated in England and Wales and is established at 8 Canada Square, London, E14 5HQ, its registered office. HSBC Bank plc is authorised and regulated by the Financial Services Authority under registration number: 114216. You may check HSBC’s name, address and regulatory status by calling 0845 606 1234 or via the FSA website at www.www.fsa.gov.uk/register. HSBC Bank plc is also licensed by the Office of Fair Trading to carry on a consumer credit business, licence number 6343. first direct does not give advice on the range of products it offers. If you are in any doubt as to the suitability of a product offered by first direct you should seek advice from an Independent Financial Advisor. HSBC Bank plc’s registered VAT Number is GB 365684514 and its Company Register Number is 14259. We are required by law to tell you that the terms and conditions are in English and that we will communicate with you in English. For written details of our services telephone 08 456 100 100. Or write to first direct, 40 Wakefield Road, Leeds LS98 1FD. first direct credit facilities are subject to status. first direct reserves the right to decline to open an account for you. first direct accounts and other services are not available for business use. Applicants must be aged 18 or over. All applicants must have a private home telephone and a UK residential address. first direct is a division of HSBC Bank plc which is a member of the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000. In respect of deposits with a UK office, payments under the Scheme are limited to 100% of the first £50,000 of a depositor’s total deposits with the Bank. Most depositors including individuals and small firms are covered. The Scheme covers deposits made with the offices of the Bank within the European Economic Area and deposits denominated in all currencies are treated alike. Further details are available on request. If we do not deliver the standard of service you expect, or if you think we have made a mistake, please let us know. We will then investigate the situation and, if necessary, set about putting matters right as quickly as possible. In addition we will take steps, where appropriate, to prevent a recurrence. Please contact us in the first instance to give us the opportunity to answer your concerns and put matters right. However, if you remain dissatisfied and would like further information about our process for resolving complaints, please ask us for the explanatory leaflet ‘Listening to your Comments’. This gives further information about the process for resolving complaints and tells you how to complain to the Financial Ombudsman Service. You can obtain the form you need to use by phoning 0845 080 1800 or by downloading it from the Financial Ombudsman Service website, www.financial-ombudsman.org.uk. You will need to send it to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. first direct is fully committed to following the requirements of the Banking Code. This is a voluntary code, setting out the standards of good banking practice to be followed by banks, building societies and card issuers in their relations with personal customers within the UK. If you would like a copy of the Banking Code, please call any time on 08 456 100 100 and we will be happy to send one to you. The Banking Code is also available online at www.bankingcode.org.uk. Should you wish to contact first direct, telephone 08 456 100 100, write to us at first direct, 40 Wakefield Road, Leeds LS98 1FD or email us at [email protected]firstdirect.com. Calls may be monitored and/or recorded for training/security purposes. first direct has a Minicom Text Telephone Number which is 08 456 100 147.

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About our website The information on this site is based on our understanding of current law, regulation and HM Revenue & Customs practice at the time of going to press. Future changes in law, regulation, tax levels or HMRC practice could affect the information on this website. The material on this website is addressed only to the UK market and is not intended for persons in other jurisdictions. All accounts, products and services are offered only in jurisdictions where and when they may be lawfully offered and the material on this website is not intended for use by persons located in or resident in jurisdictions which restrict the distribution of this information by us. Persons accessing this website are required to inform themselves about and observe any relevant restrictions. Nothing on this website constitutes an offer to sell or solicitation to buy any securities, financial instruments, products, accounts or services or any advice or recommendation regarding them. When you apply for an account, product or service on our website we will acknowledge your application but such acknowledgement will not constitute our acceptance of your application unless we specifically tell you at the time we make the acknowledgement. The contact between us will be concluded when we open your account or make available your product or service, or when we tell you that we have accepted your application if this is sooner. Our acceptance may be subject to certain further steps being taken, for example, you signing paperwork or providing us with certain information. You should print or download the terms and conditions which govern your account, product or service together with this document for your records. Both contain important information about us, your contract with us and your account, product or service. For more information about how our website operates please read our Website Terms.

How we will use your personal data When considering your application and where appropriate from time to time during your relationship with us, we and the product provider(s) will make searches about you at credit reference agencies who will supply information (which may include information from the Electoral Register) for the purpose of verifying your identity. The agencies will record details of the search type, whether or not this application proceeds. first direct and the product provider(s) may use credit-scoring methods to assess applications and to verify your identity and we may also search the Electoral Register ourselves and carry out other identity checks. Members of the HSBC Group, product provider(s) and other organisations may use the record of credit searches and any other information provided to the agencies. Any of this information may also be used for identification purposes, debt tracing and the prevention of money laundering as well as the management of your insurance account(s). To prevent or detect fraud and to assist in verifying your identity, first direct and the product provider(s) may exchange information with other members of the HSBC Group and make searches of records held at fraud prevention agencies who will supply us with information. first direct and the product provider(s) may also pass information to financial and other organisations involved in fraud prevention to protect ourselves and our customers from theft and fraud. If you give us false or inaccurate information and we suspect fraud, we will record this. The information held by these fraud prevention agencies may be used by us, other members of the HSBC Group, the product provider(s) and other companies may use this information when making decisions about you or others at your address(es) on credit or credit-related services or motor, household, life or any other insurance facilities. It may also be used for debt tracing, claims assessment. version 1.0 Jan 08

first direct and the product provider(s) and fraud prevention agencies will also use the records for statistical analysis about credit, insurance and fraud. You have the right of access to your personal records held by fraud prevention agencies. If you would like the names and addresses of the agencies used, please telephone 08 456 100 100. Members of the HSBC Bank and the product provider(s) may record, use, exchange, analyse and assess relevant information held about you and your relationships with the HSBC Group. This will include the nature of your transactions, for credit assessment, market research, insurance claim and underwriting purposes and in servicing your relationships with the HSBC Group. This may include any information provided by you or someone acting on your behalf which is relevant to your relationships with us. To provide the service(s) applied for, such as when administering claims, members of the HSBC Group and/or the product provider(s) may need to collect and process information about health records, criminal convictions, pending prosecutions and police cautions in respect of you and others. This information will not be used for marketing. Relevant information may also be exchanged between members of the HSBC Group, the product provider(s) and others, including other insurers to provide you with services, and for the purposes of fraud prevention, audit and debt collection and if required by authorised governmental and non-governmental regulators or ombudsmen. We aim to keep your information up-to-date. first direct may use other members of the HSBC Group, the product provider(s) and/or third parties (in jurisdictions inside and outside the European Economic Area where there may be less stringent data protection laws) to process information on our behalf. Wherever it is processed, your information will be protected by a strict code of secrecy and security which all members of the HSBC Group, their staff, the product provider(s) and any third parties are subject to and will only be used in accordance with our instructions. Information about offshore customers may be processed offshore, in the UK or elsewhere inside or outside the European Economic Area. Offshore means Jersey, Guernsey (including Alderney and Sark) and the Isle of Man. We may use any contact details you have provided to us, including your postal address, telephone number(s) (including your mobile telephone number) and email address to contact you for service related reasons. You should only give us your mobile telephone number(s) or email address if you are happy for us to contact you in this way. Remember emails or text messages may contain confidential information and if anyone else has access to your email or telephone number they may be able to view this. If you would prefer us not to do so, please call us on 08 456 100 100 or log onto internet banking and send us a message. Under data protection legislation, you can ask in writing for a copy of certain personal records we hold about you. A charge may be made for this service. To ensure that we carry out your instructions accurately, to help us to continually improve our service and in the interests of security, telephone calls you make to us and/or the product provider(s) may be monitored and/or recorded. If you have an insurance product, we may from time to time use a different insurer(s) to provide you with this product. A change of insurer(s) may take place upon the renewal date of your policy or at any other time. We will notify you prior to any change of insurer(s) and advise you of any change in the policy terms. By entering into this contract you authorise us as your agent to place the risk with insurer(s) other than those named in the policy. You will have the opportunity to terminate this policy before and after such a change becomes effective. first direct and the product provider(s) may need to make and retain photocopies of passports, driving licenses or other identification evidence that you provide. © HSBC Bank plc 2007. All Rights Reserved.

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