Terms & conditions

These Terms apply to your use of the perks platform. The perks platform is provided by first direct and is operated on its behalf by MLP. For more information on how first direct use your personal information please see our Privacy Notice here(Link opens in a new tab) and Cookie Policy here(Link opens in a new tab). MLP will also have access to your personal data, you can find their Privacy Notice here and Cookie Policy here. These Terms do not affect or form part of any terms and conditions of any product you hold with first direct or any other member of the HSBC Group.

Explaining some of the terms we use

When we say…	we mean…
Active Customer	A first direct customer who holds a current account and/or savings and/or credit card product with first direct and has initiated a transaction within the last 12 months or holds a first direct loan or mortgage.
Content	all pages, screens, information and materials included in or accessible through this Site (including any content available on any email or other message we send you)
first direct, we, us, our	first direct a division of HSBC UK Bank plc
Offers	any offer, discount, reward, freebie or other benefit offered to Active Customers on the perks platform.
Provider	the organisation responsible for fulfilling the Offers
MLP	The Marketing Lounge Partnership, the organisation this website is operated and managed by
Site	rewards.firstdirect.com/perks
Terms	these terms and conditions
perks platform	the website located at rewards.firstdirect.com/perks
You, your, yours	you, the person accessing this Site

What is the perks platform?

The perks platform provides first direct Active Customers with information on Offers.

Who is running the perks platform?

first direct is the provider of the perks platform. MLP operate the perks platform for first direct.

Who is eligible?

Only Active Customers that are resident in the UK are eligible to use the perks platform to access Offers.

How do I sign up?

To use the perks platform, Active Customers must create a user profile when they visit the perks platform.

Who provides the Offers?

Offers may be from third parties or first direct. Offers may be subject to separate eligibility criteria and terms and conditions.

How do I redeem Offers?

To redeem an Offer, you must be eligible under the terms of the Offer and follow any instructions on the perks platform or those provided by us or the Provider.

What else do I need to know about Offers?

we or the Provider can change or withdraw an Offer at any time without notice.
offers depend on availability and any terms and conditions of the Provider.
you cannot sell, transfer, or exchange Offers for cash or other products or services unless allowed by the Offer terms and conditions.
unless stated otherwise, Offers do not cover any additional costs, such as travel, insurance, food or personal expenses.

What changes can be made?

We can change these Terms and the perks platform at any time without notice. Please check these Terms each time you use the platform to understand what applies at that time.

Can I deactivate my perks platform user account?

You can deactivate your perks platform user account at any time by contacting MLP. Once deactivated, you will lose access to the perks platform and will not be able to redeem Offers.

Can my access to the perks platform be suspended or withdrawn?

Access to the perks platform is granted to Active Customers at our discretion and we may withdraw it at any time. We’ll normally give registered Active Users 30 days’ advance notice if we withdraw the perks platform as a whole. However, we may suspend or terminate your use of the perks platform immediately without notice at any time, including if required by law or regulation or if you:

cease to be an Active Customer;
cease to be resident in the UK;
do not comply with these Terms or the terms of any Offer or any first direct product;
break the law; or
behave inappropriately to us or when using the perks platform or Offers. For example, you’ve acted abusively, offensively or violently towards our employees.

If your use of the perks platform is suspended or terminated, you’ll no longer be able to redeem Offers.

What are the terms of use?

You must:

only use the perks platform for lawful purposes and must not use the perks platform in any way that could damage the perks platform or business of first direct or MLP; and
keep your account username and password confidential. If you know or suspect that anyone other than you knows your details, you must tell us immediately

You must not:

infringe or violate any intellectual property rights in the perks platform or any material published on it;
conduct or enable any text or data mining or web scraping of the perks platform;
use the perks platform if it is not allowed by law or regulations; or
allow anyone else to use your account or redeem Offers.

Before you make any decision or take any action that might affect you or your personal finances, you should always consult a suitably qualified professional adviser(s) to get appropriate financial, legal, accounting, tax and other advice. You are responsible to ensure that any Offer, benefit, product or service is suitable for you and for understanding any tax consequences of accepting an Offer. Your use of the perks platform and any information accessed through the perks platform is not investment or financial advice.

What about liability?

We take reasonable care to ensure that information published on the perks platform is accurate, but neither we nor any other HSBC Group member nor MLP accepts any liability for information or Offers provided by third-parties. If you redeem an Offer from a third-party Provider, you will have a direct relationship with that Provider. We do not accept liability for any goods or services provided to you by third party Provider. You may be required to provide additional information to redeem an offer. Neither we nor any other HSBC Group member nor MLP accepts liability or responsibility for loss if the information you provide is incorrect.

These Terms do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.
We and MLP are not responsible for:

losses caused by unexpected events (where the loss is unforeseeable);
delays outside our control;
losses that you could reasonably have avoided.

The perks platform is for personal use. You agree not to use the perks platform for business purposes. We are not liable for any loss of profit, loss of business, business interruption, or loss of business opportunity.
We and MLP have not verified the content of any sites we link to and are not responsible for this content. If you follow links to any other website or pages this is at your own risk. We and MLP do not endorse or approve any third parties or their advice, opinions, information, products or services by including Offers on the perks platform.

How can I use content on the perks platform?

You are not entitled to copy or share the information on the perks platform other than as permitted by these Terms. The information on the perks platform is not intended for distribution to, or use by, any person in any jurisdiction where this would be contrary to law or regulation.

Copyright in all pages, screens, information and material in the perks platform is owned by or licensed to us, unless otherwise noted. You can print, copy, download or temporarily store extracts from our site for your personal information, or when you use our perks platform, but you must not alter anything. Any other use is prohibited without obtaining our prior written permission. We do not permit any other website to display all or part of the perks platform, or to link to the perks platform, without our prior written permission.

Can these Terms be transferred?

We may transfer our rights and obligations under these Terms to another organisation. We will tell you in writing if this happens and ensure that the transfer does not affect your rights under the Terms. You cannot transfer your rights and obligations under these Terms.

Which Country’s courts and laws apply?

If you live in Scotland, Scots law applies to these Terms. If you live anywhere else, English law applies. If there’s a dispute between us, you can take legal action against us in any UK court.

How do I contact you?

If you have any questions about the perks platform, you can:

chat with us on the perks platform using the ‘Contact Us’ tab;
chat with us on the mobile app;
chat with us in Online Banking;
call us 03 456 100 100.

first direct is a division of HSBC UK Bank plc. Registered in England & Wales with number 09928412. Registered Office: 1 Centenary Square, Birmingham, B1 1HQ, United Kingdom. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 765112. HSBC UK Bank plc’s registered VAT Number is GB 365684514. HSBC UK Bank plc is a member of the Financial Ombudsman Scheme. For information about accounts and other products you can refer to the Money Advice Service website. If you wish to contact first direct, please refer to our contact us page.

Member HSBC Group