By accessing this website (the “Site”), you agree to be bound by the following terms and conditions (the “Terms”). Before using this Site, you should read carefully the Terms, our Cookie Policy and also our Privacy Policy.

The Site has been approved for issue in the Grand Duchy of Luxembourg by HSBC Investment Funds (Luxembourg) S.A. HSBC Investment Funds (Luxembourg) S.A. is authorised and supervised by the Commission de Surveillance du Secteur Financier ("CSSF"). HSBC Investment Funds (Luxembourg) S.A. is a management company registered on the CSSF’s official list of management companies governed by Chapter 15 of the Luxembourg law of 17 December 2010 relating to undertakings for collective investment and is duly authorised by the CSSF as an alternative investment funds manager authorised in accordance with the Luxembourg law of Luxembourg law of 12 July 2013 relating to alternative investment funds manager. HSBC Investment Funds (Luxembourg) S.A. is part of a worldwide group of businesses known as HSBC Asset Management which is ultimately owned by HSBC Holdings plc. HSBC Investment Funds (Luxembourg) S.A. is incorporated under the laws of the Grand Duchy of Luxembourg, having its registered office at 18 Boulevard de Kockelscheuer, L-1821 Luxembourg, Grand Duchy of Luxembourg and registered with the Luxembourg trade and companies’ registry under number B28888.

Should you wish to contact us please refer to the Contact Us link which can be found on each page of the Site.

In these Terms:

“Content” means all pages, screens, information and materials included in or accessible through this Site.

“you”, “your” and “yours” means you as an individual person.

“we”, “us” and “our” means HSBC Investment Funds (Luxembourg) S.A.

“HSBC Group” means HSBC Holdings plc, its subsidiaries and associated companies from time to time.

Terms

These Terms cover your use of this Site. All products and services provided by members of the HSBC Group have their own terms and conditions (the “Product Terms”). You must read both the Product Terms and these Terms. To the extent that the Product Terms conflict with these Terms or any Local Sites' terms and conditions then the Product Terms will prevail.

From this Site we may provide information or hyperlinks to other websites or pages provided by other entities within the HSBC Group (“Local Sites”) and other parties. Your use of Local Sites and other parties' sites may be subject to their own terms and conditions. You should read them.

Please, note that this Site is written in English only.

Please make sure you read carefully all applicable terms, conditions and disclaimers relevant to your use of the products, services or information that may be offered to you from time to time.

If any part of these Terms is found by any court or other competent authority to be invalid, unlawful or unenforceable then such part shall be severed from the rest of the Terms which shall continue to be valid and enforceable to the fullest extent permitted by law.

Changes to our terms

We may change these Terms at any time by updating these pages.

You agree to review any applicable terms and conditions regularly and that your use of any part of this Site will be subject to any such changes once they are made.

Availability of site, products and services

The Content, including layout, of this Site or products or services available via this Site may be wholly or partially suspended, withdrawn or changed at any time.

We also reserve the right at any time to immediately suspend the provision of all or any part of this Site to you and/or block your access to this Site.

The provision of financial services or products

Not all the products and services that you may be able to view via the Site are available in all geographical locations. The relevant HSBC Group member reserves the right to make the final determination on whether or not you are eligible for any particular product or service.

If you choose to enter a website outside your country of residence, you are advised that it may not be legal in that jurisdiction for you to access or use the facilities available on that site and the legal requirements of that jurisdiction may prohibit you from dealing or otherwise transacting in that jurisdiction. No member of the HSBC Group will be liable for any breach of local law or regulation that you may commit as a result of using and accessing a website in a country in which you are not resident.

Please be aware that some of the products and services listed within the Site and those provided by any other HSBC Group members or third parties that may be accessed via a link from this Site may not be suitable for all investors. Always read the product information fully before committing to any contractual agreement.

All products or services provided to you by us or any other HSBC Group member shall only be available in the jurisdiction/s within which the member providing the product or service is authorised to operate.

You agree that any of the products or services provided to you by us or any other HSBC Group member shall be deemed to be provided in the jurisdiction within which the member providing the product or service is authorised to operate.

No offer

Information or opinions contained on this Site or in any Local Sites do not constitute an offer to sell or a solicitation, or offer to buy, any securities or financial instruments or investment advice or any advice or recommendation in respect of such securities or other financial instruments.

Should you seek to rely in any way whatsoever upon any Content contained on this Site, you do so at your own risk.

Before you make any decision or take any action that might affect you or your personal finances or business, you should always consult a suitably qualified professional adviser(s) to obtain appropriate financial, legal, accounting, tax and other advice.

Investment performance

Please note that the value of investments and the income derived from them may fluctuate and an investor may not receive back the amount originally invested. Where past performance is shown it refers to the past and should not be seen as an indication of future performance. The value and any income arising from any investment referred to on this Site may go down as well as up. In particular you may not get back the full amount invested. Where overseas securities are held the rate of currency exchange may cause the value of the investment to go up as well as down. Any forecast, projection or target is indicative only and is not guaranteed in any way. We accept no liability for any failure to meet such a forecast, projection or target.

In the case of investments for which there is not a recognised market it may be difficult for investors to sell their investment or to obtain reliable information about its value or the extent of the risks to which it is exposed.

The information on this Site is based on understanding of current law and regulation at the time of going to press. Future changes in law or regulation could affect the information on this Site.

No warranties

Other than the warranties and representations contained in these Terms, all other warranties and representations, whether express, implied or statutory are, to the fullest extent permitted by the law, excluded. We do not exclude or restrict our liabilities or duties to you where or to the extent that this is prohibited by law or regulation. Use of this Site is at your sole risk.

We do not represent that:

• any information contained on this Site will be accurate, complete or up to date or meet your specific requirements,
• this Site will be available,
• access to this Site will be uninterrupted or that there will be no delays, failures, errors or omissions or loss of information as this Site is transmitted to you,
• no viruses or other contaminating or destructive materials or elements will be transmitted or that your computer system will not be damaged.

We do not provide any guarantee about the accuracy, functionality or performance of any third party software, Content or equipment used in connection with this Site.

Exclusion of our liability

To the extent permitted by law, neither we nor any member of the HSBC Group shall be liable for any damage, loss or liability (whether arising in contract, tort, including negligence, or otherwise) arising out of or in connection with:

• your use of this Site,
• your reliance on or your inability to use the information, products or services on this Site, or
• any failure or performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure to this Site or your use or attempted use of it.

The above exclusions apply to any damage which is direct, indirect, special, incidental or consequential or consists of loss of profits, business, opportunity or data.

All of the above exclusions apply even if you have advised us or any other member of the HSBC Group of the possibility of the above types of damage, loss or liability.

Your obligations

Security - it is your sole responsibility adequately to:

• protect and back up your data and equipment,
• undertake reasonable and appropriate precautions against any computer virus or other destructive materials or elements, and
• ensure that your computers and your access to this Site are adequately secured against any unauthorised users.

Your use of this Site - you may not use this Site or permit others to use this Site

• in any way (including via electronic means) and for any purpose which is unlawful, defamatory or libellous, offensive, abusive, indecent, menacing or threatening or in any way that infringes any intellectual property rights or breaches any obligations of confidence, or
• to cause annoyance, inconvenience or needless anxiety to any other person or in any other way which is in violation of any applicable law or regulation in any jurisdiction in the world, or
• to introduce a virus or other disruptive material or element or otherwise disrupt or impair this Site or any communication service.

Links to our Site

Neither you nor any other party may use any part of this Site on any other website, or link any other website to this Site, without our prior written permission.

We are not responsible for the set up of any link from a third party website to our Site.

Neither you nor any other party may deep link to, frame, spider, harvest or scrape the Content or otherwise access the Content for any purposes, or use any machine, electronic, web based or similar device to read or extract the Content by machine based or automated means, without our prior written permission.

Intellectual property rights

Our Rights - all intellectual property rights (including, without limitation, copyright, database rights, design rights, patents and trademarks) in the Content are owned by or licensed to us unless otherwise stated.

HSBC and the HSBC logo are trademarks of HSBC Holdings plc and all rights and benefits in them vest in HSBC Holdings plc.

Copying by you and your access to the Site - you may print, copy, download or temporarily store extracts from this Site for your personal use or to help you use our products and services. You must not alter any extract contained on or obtained from this Site in any form. Any other use is prohibited unless you first get our written permission. Without limiting the above, unless you first get our written consent, you may not reproduce, modify, adapt, transmit, publish, broadcast, create derivative works of, store, archive or in any way exploit any of the Content. Without limitation, neither you nor any other party may do any of the following without prior written consent from us:

• create any data base in electronic or structured manual form by systematically downloading and storing all or any of the Content; or
• redistribute any of the Content (including by using it as part of any syndication, content aggregation, archive or similar service); or
• remove the copyright or trademark notice from any copies of Content made in accordance with these Terms.

Internet and e-mail communications

Messages sent over the Internet (including e-mail) cannot be guaranteed to be completely secure as they are subject to possible interception, monitoring, delay, loss or alteration.

Neither we nor any other member of the HSBC Group are responsible for any such messages nor liable to you or anyone else for any damages or otherwise in connection with any messages sent by you to us or any other party or any messages sent or appearing to be sent by us or any third party to you over the Internet (including e-mail). You should not include any sensitive or confidential information in such messages.

Our monitoring of communications

To help us improve our service and in the interest of security, we may monitor and/or record communications (whether over the Internet, telephone or otherwise) between you and us. All recordings are our sole property.

Data protection and privacy

We are committed to protecting your privacy. All information gathered from you in connection with your use of the Site or any Local Site will be maintained in accordance with the applicable privacy policies disclosed for this Site (see our Privacy Policy) or any of the Local Sites.

Cookies

You should read our Cookie Policy to find out more about how HSBC Group and our trusted partners use cookies, which is relevant to your online security: we use cookies to make our website more secure and easier to use.

Children

This Site is not intended to be used by minors.

Governing law

These Terms are governed by and are to be interpreted in accordance with the Luxembourg laws.

The Luxembourg will have non-exclusive jurisdiction in respect of any dispute which may arise in connection with the Terms or your use of this Site.