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Cookie policy

Understanding how and why we use cookies

Table of contents

We use cookies on our website (the 'Site') to distinguish you from other users. This helps us to improve your experience when using our Site and to ensure the Site performs as you expect it to.

This Cookie Policy should be read together with the Website User Agreement governing your use of the Site. For ease of reference, the same definitions used in the Website User Agreement are adopted in this Cookie Policy.

This Cookie Policy provides you with clear and comprehensive information about the cookies we use and the purposes for using them.

Where we use cookies to collect personal information, this will be carried out in accordance with our Privacy Notice. Please read this policy carefully to understand our practices regarding your personal information and how we will treat it.

What are cookies?

Cookies are small text files that are sent to and stored on your computer, smartphone or other device for accessing the internet, whenever you visit a website. Cookies are useful because they allow a website to recognise a user's device. We use the following cookies on this Site:

  • 'Strictly necessary' cookies: These cookies are essential in order to enable you to move around the Site and use its features, such as accessing secure areas of the website.
  • 'Performance Cookies': These cookies collect information about how visitors use the Site, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don't collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how our Site works.
  • 'Functionality Cookies': These cookies allow the Site to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features.
  • 'Targeting cookies or advertising cookies': These cookies are used to deliver adverts more relevant to you and your interests They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaigns.

Local Sites may use cookies for a variety of other reasons including to determine preferences, let users navigate between pages efficiently, verify the user and carry out other essential security checks. Local Site cookie policies will explain how they use cookies. Some of the functions that cookies perform can also be achieved using similar technologies. This policy refers to 'cookies' throughout; however, it also covers these alternate mechanisms.

For a detailed description of the cookies that we use on this Site, please see “A list of cookies that we use” below.

More information about cookies can be found on www.allaboutcookies.org.

How cookies make our websites safer and easier to use

Cookies are used for a variety of reasons, such as to improve the functionality and performance of this Site and to allow us to tailor the content of the Site to suit your interests.

Cookies also protect the security of our website. To ensure the website is only accessed by genuine users, we work with service providers and third parties who also set these cookies on this website. An example is Google (Recaptcha) which validates that the interaction with our site is being performed by a human rather than an automated system or ‘bot’ for security purposes. Google Recaptcha is subject to the Google privacy policy and terms of use.

When we include links to third party websites, please bear in mind they will have their own privacy and cookie policies that will govern the use of any information you submit. We recommend you read their policies as we are not responsible or liable for any third party's privacy practices.

How you can manage your cookies

The browsers of most computers, smartphones and other web-enabled devices are typically set up to accept cookies. You can choose to block or delete cookies from this or any other website in your browser preferences.

You do not have to accept cookies to access the Site, however, please remember that cookies are often used to enable and improve certain functions on our Site. If you choose to switch certain cookies off, it is likely to affect how our Site works and you may not be able to access all or parts of the Site.

For more information about how to disable cookies, visit www.allaboutcookies.org.

How long the cookies will remain on your computer

A single session cookie is a temporary cookie which remains in the cookie file of your browser until you close the browser.

The other cookies will remain in the cookie file of your browser after the closing of the browser, and will become active again when you reopen the Site. These cookies have different expiration dates. Following expiry of a cookie, a new version of that cookie will be downloaded when you next visit the Website, unless you have withdrawn your consent in the meantime.

How we work with trusted third parties

Third parties are trusted suppliers to HSBC. They include our insurance policy providers, partners who provide important functionality to our website, such as our live chat service, and partners who help us improve our website, such as Adobe Analytics, who provide statistics about which pages are visited most frequently.

We only use cookies from third parties in order to provide our customers with HSBC products and services. The only time cookies would enable us to share personal information such as your name, address, telephone or email is when you have given us express consent to pass it on to a trusted third party - for example, if you were applying for an insurance product from one of our third party insurance providers.

You will only ever be shown HSBC-branded advertisements on our website - never those from other companies. Of course, you may see HSBC-branded advertisements when browsing other companies' websites too. Some of these will be general campaign-related adverts but others will be tailored to your likely interests based upon previous web browsing activity - these can be easily identified as they feature a small blue AdChoices icon in the corner of the advert.

More about your privacy

To find out more about how HSBC protects your privacy when using our website, see our Website User Agreement and Privacy Notice.

Contact

If you'd like further information on anything we've said in this Cookie Policy, or to contact a member of staff, please visit our contact us page.

A list of cookies that we use

Strictly necessary cookies

This table displays a detailed list of the 'Strictly necessary' cookies used on this Site.

Cookie name
Description
ASP.NET_SessionId
This cookie assigns a unique ID to your session to connect it to the server and for other internal processes required throughout the course of the session.
tms_ref
This cookie will be used to store the session referrer.
BCSI-CS-xxxxxxxx
This cookie name is associated with proxy server technology from Bluecoat. Its pattern starts with BCSI-CS- followed by an alpha numeric string. It is generally not actually set by the website being visited, but as a result of accessing the site through a network (like a company network) using Bluecoat technology.
CONSENTMGR
This cookie will be used to store the overall consent captured from the cookie settings tool.

This table displays a detailed list of the 'Strictly necessary' cookies used on this Site.

Cookie name
ASP.NET_SessionId
Description
This cookie assigns a unique ID to your session to connect it to the server and for other internal processes required throughout the course of the session.
Cookie name
tms_ref
Description
This cookie will be used to store the session referrer.
Cookie name
BCSI-CS-xxxxxxxx
Description
This cookie name is associated with proxy server technology from Bluecoat. Its pattern starts with BCSI-CS- followed by an alpha numeric string. It is generally not actually set by the website being visited, but as a result of accessing the site through a network (like a company network) using Bluecoat technology.
Cookie name
CONSENTMGR
Description
This cookie will be used to store the overall consent captured from the cookie settings tool.

Performance cookies

This table displays a detailed list of the 'Performance' cookies used on this Site.

Cookie name
Description
AMCVS_###AdobeOrg
This cookie is used by Adobe Analytics to identify a unique visitor.
s_cc
This cookie is used by Adobe Analytics. It is set and read by the JavaScript code to determine if cookies are enabled (simply set to "True").
s_fid
This cookie is used by Adobe Analytics to identify a unique visitor if the standard s_vi cookie is unavailable due to third-party cookie restrictions.
s_sq
This cookie is used by Adobe Analytics. It is set and read by the JavaScript code when the ActivityMap functionality is enabled; it contains information about the previous link on this site that was clicked on by the user.
utag_main
This cookie is used by our sites to manage tags on each of our pages.
viewCount
Increments each page view in a session.
dextp
Audience Manager sets this cookie to record the last time it made a data synchronization call. The dextp cookie contains a data provider name or ID and a UNIX UTC timestamp formatted as pipe-delimited strings.

This table displays a detailed list of the 'Performance' cookies used on this Site.

Cookie name
AMCVS_###AdobeOrg
Description
This cookie is used by Adobe Analytics to identify a unique visitor.
Cookie name
s_cc
Description
This cookie is used by Adobe Analytics. It is set and read by the JavaScript code to determine if cookies are enabled (simply set to "True").
Cookie name
s_fid
Description
This cookie is used by Adobe Analytics to identify a unique visitor if the standard s_vi cookie is unavailable due to third-party cookie restrictions.
Cookie name
s_sq
Description
This cookie is used by Adobe Analytics. It is set and read by the JavaScript code when the ActivityMap functionality is enabled; it contains information about the previous link on this site that was clicked on by the user.
Cookie name
utag_main
Description
This cookie is used by our sites to manage tags on each of our pages.
Cookie name
viewCount
Description
Increments each page view in a session.
Cookie name
dextp
Description
Audience Manager sets this cookie to record the last time it made a data synchronization call. The dextp cookie contains a data provider name or ID and a UNIX UTC timestamp formatted as pipe-delimited strings.

Functionality cookies

This table displays a detailed list of the 'Functionality' cookies used on this Site.

Cookie name
Description
globalcmbnetherlands#lang
This cookie is used to remember your language settings.

This table displays a detailed list of the 'Functionality' cookies used on this Site.

Cookie name
globalcmbnetherlands#lang
Description
This cookie is used to remember your language settings.

Targeting cookies or advertising cookies

This table displays a detailed list of the ‘Targeting cookies or advertising' cookies used on this Site.

Cookie name
Description
demdex
Audience Manager sets this cookie to assign a unique ID to a site visitor. The demdex cookie helps Audience Manger perform basic functions such as visitor identification, ID synchronization, segmentation, modelling, reporting, etc.
ELQSTATUS
This cookie is set by Eloqua as a permission to recognise visitors and track activity.
ELOQUA
This cookie is set by the Eloqua Marketing Automation Tool. It contains a unique identifier to recognize returning visitors and track their visit data across multiple visits. When you first visit a website, a third party cookie is stored in your browser. This cookie is then used to track the pages that you visit during your session.

This table displays a detailed list of the ‘Targeting cookies or advertising' cookies used on this Site.

Cookie name
demdex
Description
Audience Manager sets this cookie to assign a unique ID to a site visitor. The demdex cookie helps Audience Manger perform basic functions such as visitor identification, ID synchronization, segmentation, modelling, reporting, etc.
Cookie name
ELQSTATUS
Description
This cookie is set by Eloqua as a permission to recognise visitors and track activity.
Cookie name
ELOQUA
Description
This cookie is set by the Eloqua Marketing Automation Tool. It contains a unique identifier to recognize returning visitors and track their visit data across multiple visits. When you first visit a website, a third party cookie is stored in your browser. This cookie is then used to track the pages that you visit during your session.

Disclosure

Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority

 

Disclaimer

This site is primarily intended for those who access it from within Bermuda. Because of this, we cannot guarantee that the Site or the information thereon complies with law or regulation of other countries, or is appropriate for use, in other places. 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. The information provided on this Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Site should not be considered as communicating any invitation or inducement to engage in banking of investment activity or any offer to buy or sell any securities or other instruments outside Bermuda.

Listening to what you have to say about our services matters to us.