Privacy Statement

This disclaimer statement should be read in conjunction with the Privacy statement accessible at the foot of every page.

We recommend you read both statements before you proceed to use this website.



This disclaimer details the obligations of Horizons - The association for former HSBC employees ('The Association') to you regarding the website.  Please read this disclaimer in full before you use this website. Please read these terms of use carefully before you start to use the site. By using our site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.   We do occasionally update this disclaimer so please refer back to it in the future.


1.1.   Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.

1.2.   From time to time, we may restrict access to some parts of our site, or our entire site, to users who have registered with us.

1.3.   If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.

1.4.   You are responsible for making all arrangements necessary for you to have access to our site.  You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.


2.1.   You are permitted to use our website for your own purposes and to print and download material from this Website provided that you do not modify any content without our consent.  Material on this website must not be republished online or offline without our permission.

2.2.   The copyright and other intellectual property rights in all material on this Website are owned by us or our licensors and must not be reproduced without our prior consent.

2.3.   Subject to paragraph 2.1, no part of this Website may be reproduced without our prior written permission.  


3.1.   With the exception of personally identifiable information, the use of which is covered under our Privacy Policy, any material you send or post to this Website shall be considered non-proprietary and not confidential.  Unless you advise to the contrary we will be free to copy, disclose, distribute, incorporate and otherwise use such material for any and all purposes. 

3.2.   When using this website you shall not post or send to or from this Website any material for which you have not obtained all necessary consents, is discriminatory, obscene, pornographic, defamatory, liable to incite racial hatred, in breach of confidentiality or privacy, which may cause annoyance or inconvenience to others, which encourages or constitutes conduct that would be deemed a criminal offence, give rise to a civil liability, or otherwise is contrary to the law in the United Kingdom;

3.3.   Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed.  We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents


4.1.   We take all reasonable steps to ensure that this Website is available 24 hours every day, 365 days per year.  However, websites do sometimes encounter downtime due to server and, other technical issues. Therefore we will not be liable if this website is unavailable at any time.


5.1.   Any links to third party websites located on this Website are provided for your convenience only.  We have not reviewed each third party website and have no responsibility for such third party websites or their content. 

5.2.   If you would like to link to this Website, you may only do so on the basis that you link to, but do not replicate, any page on this Website and you do not in any way imply that we are endorsing any services or products unless this has been specifically agreed with us.

5.3.   If you choose to link to our website in breach of Paragraph 5.2 you shall fully indemnify us for any loss or damage suffered as a result of your actions.


6.1.   We take all reasonable steps to ensure that the information on this Website is correct.  However, we do not guarantee the correctness or completeness of material on this Website.  Neither we nor any other party (whether or not involved in producing, maintaining or delivering this Website), shall be liability or  responsible for any kind of loss or damage that may result to you or a third party as a result of your or their use of our website.  This exclusion shall include servicing or repair costs and, without limitation, any other direct, indirect or consequential loss.


7.1.   The Association cannot accept any legal responsibility for the accuracy of any advertisements or other content appearing on this website or any linked website or for the acts or failures of any advertiser or other party appearing or referred to on this website or any linked website. Advertisements appearing on this website or ay other linked website are displayed in good faith and the Association does not represent or have any legal responsibility for the existence or performance of any goods or services offered; and you should exercise normal care.  Advertisers may have their contact details, including email addresses, displayed with their advertisement, at their own risk.  The advertisers shall warrant

  • that the advertisements are accurate and fair;
  • that the advertisements to not include unlawful content or other prohibited content; and
  • that the goods and services referred to in the advertisements are of a reasonable quality.

7.2.   The Association reserves the right to suspend the publication of an advertisement on its website where it reasonably determines that the content breaches the warranties.

8.     Communications by email

Periodically we may contact our members by email with information that we think will be of interest to them.  Members may opt out of receiving these emails or otherwise withdraw consent by returning a reply with "Unsubscribe" in the subject line or by clicking the "Unsubscribe" link in the email.

Members may at any time change their contact preference by logging on and going to the Contact Preference page accessible from the Membership page.


This Disclaimer Notice shall be governed by and construed in accordance with English law. Any dispute(s) arising in connection with this Disclaimer Notice are subject to the exclusive jurisdiction of the courts of England and Wales.

Copyright © 2024 Horizons - The association for former HSBC employees. All Rights Reserved.