E-wallet for HSBC Kinetic debit cards

These Additional Conditions cover the use by you and your cardholders of e-wallets and digital versions of your debit cards.

These Additional Conditions apply in addition to the terms and conditions for any accounts and products (“Product Terms”). The Product Terms still apply to the use of any accounts and products.

The Additional Conditions apply between:

• ‘You’, the account holder and each cardholder; and
• ‘Us’, HSBC UK Bank plc.

If there’s a conflict between these Additional Conditions and any terms between us, these Additional Conditions will take priority in relation to use of e-wallets and digital versions of your cards.

Cardholders may only add a card to an e-wallet on their own device or a device they alone control. By adding a card to an e-wallet the cardholder confirms that they:

• Have the account holder’s agreement to use it; and
• Will use it in accordance with the HSBC Kinetic Business Banking Terms and Conditions and these Additional Conditions.

You and any cardholder may also need to agree to separate terms with the e-wallet provider. These are independent of us and may govern the registration and use of the e-wallet (including the use of any data you may share with the e-wallet provider).

Each cardholder is responsible for keeping their e-wallet safe and making sure it’s not used by unauthorised persons and/or for unauthorised purposes. Each cardholder must:

• Keep their mobile device safe by:

  — Choosing security details that aren’t easy to guess or work out;

  — Never sharing their security details with anyone;

  — Only registering their biometric data on their own device; and

  — Never activating a payment session on a linked device while someone else is using it.

• Delete their card from their device before they pass it to someone else or dispose of it including when they sell it or get it repaired.

If your card has been lost, stolen, renewed or replaced you’ll need to take the actions below to continue to use your e-wallet. If you don’t your e-wallet may be deactivated.

• Lost or stolen card – Activate your new card in the HSBC Kinetic app then add your new card to your e-wallet.
• Renewed card – To keep your card active in your e-wallet, you’ll need to activate your new card in the HSBC Kinetic app within 30 days of the date of the letter accompanying your new card.
• Replaced card – To keep your card active in your e-wallet, you’ll need to activate your new card in the HSBC Kinetic app within 30 days of the date of the letter accompanying your new card.

We may cancel or suspend the use of your e-wallet without prior notice if:

• You or any cardholder doesn’t follow these Additional Conditions;
• We suspect fraud or that the security of any card and/or e-wallet has been compromised;
• Your or any cardholder’s security details have not been kept safe;
• We’re required, requested or entitled to do so under any agreement with you, including under our HSBC Kinetic Business Banking Terms and Conditions;
• The e-wallet is withdrawn by the e-wallet provider;
• We reasonably consider that by continuing to issue you or any cardholder with a card and/or e-wallet we may be at risk of breaching any applicable law, regulation, code, court order or other duty;
• We reasonably consider that we or another member of the HSBC Group may be exposed to action or censure from any government, regulator or law enforcement agency; or
• You no longer have a HSBC Kinetic Current Account with us.

If we do this, you and all cardholders must delete the card from your or their e-wallet.

Cardholders can stop using their debit card in their e-wallet at any time by removing the card from their e-wallet. They must make sure they delete all information relating to their debit card held in their e-wallet.

We may vary these Additional Conditions from time to time.

These Additional Conditions are governed by English law and the courts of England shall have non-exclusive jurisdiction over us, you and all users.

If you need any of this information in a different format, please let us know. This includes large print, braille, or audio. You can speak with us using the live chat service on our website, by visiting one of our branches or by giving us a call.

There are also lots of other options available to help you communicate with us. Some of these are provided by third parties who are responsible for the service. These include a Text Relay Service and a British Sign Language (BSL) Video Relay Service. To find out more, please get in touch. You can also visit business.hsbc.uk/accessibility or business.hsbc.uk/contact-us.