details

HSBC jdpg;gl;l ,izaj;js tq;fpr; Nritfs; njhlh;ghd
tpjpfs; kw;Wk; epge;jidfs;
Kf;fpak;:
jaTnra;J> fPNo 3Mk;> 9Mk;> 10Mk; ruj;Jfspy; njhptpf;fg;gl;Ls;s
fzf;F itg;ghshpd;/itg;ghsh;fspd; ghJfhg;Gg; nghWg;Gfis ed;F ftdpf;fTk;.
,r; ruj;Jf;fspy; Fwpg;gplg;gl;Ls;s ghJfhg;Gg; nghWg;Gfs; nfhLf;fy;
thq;fy;fspd;NghJ kPwg;gLkhapd;> mf; nfhLf;fy; thq;fy;fSf;F fzf;F
itg;ghsh;/itg;ghsh;fs; mjpfhuk; mspj;jpUf;fhtpl;lhYk;> mtw;why; Vw;gLk;
VNjDk; ,og;gpw;F mtNu/mth;fNs nghWg;Ngw;f Ntz;Lk;. fPNo 10Mk; ruj;ij
ghh;f;fTk;.
j n`hq;nfhq; md;l; \q;fha; ghq;fpq; Nfhg;gNu\d; ypkpl;ll; (re;jh;g;gj;jpw;Fk;
Njitf;Fk; Vw;g ,dpNky; ‘HSBC’> ‘tq;fp’> ‘ehk;’> ‘vkJ’ vd;Wk; Fwpg;gplg;gLk; ,r;
nrhw;gpuNahfk; mjd; thhpRfs; kw;Wk; nghWg;G xg;gilf;fg;gl;lth;fisAk;
cs;slf;Fk;) ,e;j tpjpfs; kw;Wk; epge;jidfSf;F mikthf HSBC ,dhy;
my;yJ mjd; rhh;gpy; epWtg;gl;L> nraw;gLj;jg;gl;L kw;Wk;/my;yJ Ngzg;gLk;
,izaj;jsj;jpd; Clhf HSBC fzf;F itg;ghsh;fSf;F (re;jh;g;gj;jpw;Fk;
Njitf;Fk; Vw;g ‘fzf;F itg;ghsh;/fs;’> ‘ePq;fs;’> ‘cq;fs;’ vd;Wk; Fwpg;gplg;gLk;
,r; nrhw;gpuNahfk; fzf;F itg;ghshpd; thhpfs;> eph;thfpfs;> epiwNtw;Weh;fs;
kw;Wk; rl;lg+h;tkhd gpujpepjpiaAk; cs;slf;Fk;) tq;fpr; Nrit> KjyPL> epjp
kw;Wk; Vida nfhLf;fy; thq;fy;fs; rk;ge;jkhf HSBC cld; njhlh;G
nfhs;tjw;Fk; mwpTWj;jy;fis toq;Ftjw;Fk; HSBC kw;Wk;/my;yJ HSBC
FOkj;jpd; mq;fj;jth;fsplkpUe;J Nritfs;> tq;fp trjpfs;> jfty;fs;>
gz;lq;fs;> mD$yq;fs;> rYiffs; vd;gtw;iwg; ngw;Wf;nfhs;tjw;Fk;
,lkspf;Fk; xd;iyd; Nritfs; kw;Wk; trjpfisf; fhyj;jpw;Ff; fhyk; toq;Fk;.
jdpg;gl;l ,izaj;js tq;fpr; Nritapd; Clhf fzf;F itg;ghsh;/itg;ghsh;fs;
gad;gLj;Jk; my;yJ vk;kplk; NfhUk; my;yJ vk;khy; mtUf;F/mth;fSf;F
toq;fg;gLk; Nritfs; kw;Wk; jfty;fs; njhlh;ghf fzf;F
itg;ghsUf;F/itg;ghsh;fSf;F cs;s nghWg;Gfs; kw;Wk; flikfs; ,e;j
tpjpfs; kw;Wk; epge;jidfspy; tpghpf;fg;gl;Ls;sd.
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fzf;F itg;ghsh;/itg;ghsh;fs; ,r; Nritiag; gad;gLj;Jtjd; %yk; ,e;j
tpjpfs; kw;Wk; epge;jidfis thrpj;J> Ghpe;Jnfhz;L> ,zq;Ftjhf
xg;Gf;nfhs;fpd;wdh;.
NkNy “HSBC” vdTk; “fzf;F itg;ghsh;/itg;ghsh;fs;”
vdTk; Fwpg;gplg;gl;l
nrhw;gpuNahfq;fs; rpy rkaq;fspy; ,e;j xg;ge;jj;jpd; “jug;Gf;fs;” vd;W
$l;lhfTk; “jug;G” vd;W jdpj;jdpahfTk; gad;gLj;jg;glyhk;.
tiutpyf;fzq;fs;:
“xg;ge;jk;” vd;gJ ,e;j xg;ge;jj;jpd; tpjpfSf;F mika> fhyj;jpw;Ff; fhyk;
khw;wk; nra;ag;glf;$ba tpjpfs;> ,e;j xg;ge;jj;jpd; xU gFjpahf
Nritfspd; toq;fy;fs; njhlh;gpy; fhyj;jpw;Ff; fhyk; ntspaplg;gLk;
VNjDk; Nkyjpf tpjpfs; Mfpa midj;ijAk; Fwpf;Fk;.
“fzf;F itg;ghsh;/fs;” vd;gJ HSBC fzf;F Muk;g kw;Wk; HSBC fpnwbl; fhh;l;
tpz;zg;gg; gbtq;fspy; ngahplg;gl;Ls;s fzf;F itg;ghsh;/fs; kw;Wk;
HSBC fpnwbl; fhh;l; itg;ghsh;/fs; MfpNahiuf; Fwpf;Fk;.
“ATM” vd;gJ jd;dpaf;f nlyh; ,ae;jpuq;fisf; Fwpf;Fk;.
"tq;fpr; Nrit ehs;" / "toikahd tq;fpr; Nrit Neuk;" kw;Wk; “Ntiy
ehs;/Neuk;” vd;gd> vk;khy; NtW tpjkhff; Fwpj;Jiuf;fg;glhtpbd;> xU
tq;fpr; Nrit/Ntiy ehs;
Neuj;ijf; Fwpf;Fk;.
kw;Wk; toikahd tq;fpr; Nrit/Ntiy
“b[pl;ly; rhd;wpjo;” vd;gJ kiwFwpahd nra;jpfs; mDg;gg;gLk;NghJ>
mDg;Ggth; ahh; vd;gij ep&gpg;gjw;F cUthf;fg;gLk; rhd;whFk;. mjpfhur;
rhd;wpjo; %yk; mjid Ch;[pjk; nra;a KbAk;. ,jd; gpujhd Nehf;fk;
ahnjdpd;> rhd;wpjopy; mlq;fpAs;s nghJr; rhtpahdJ> rhd;wpjo;
toq;fg;gl;l epWtdj;jpw;F chpj;jhFtij cWjpg;gLj;JtjhFk;. nghJ
kw;Wk; jdpg;gl;l rhtpfisg; gad;gLj;Jk; kiwFwpr; nra;jpj; njhopy;El;g
KiwfSf;F> nghJr; rhtpfspd; tpepNahfk; kw;Wk; milahsk; fhzYf;F
cjtf;$ba xU nghJr; rhtpf; fl;likg;G (PKI) mtrpakhFk;. nghJr;
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htpfisg; gad;gLj;Jk; topKiwfs; gw;wpa jfty;fs;> chpikahshpd;
my;yJ tplaj;jpd; juTfs;> tplaj; juit cWjpg;gLj;jpa rhd;wpjo;
mjpfhhpapd; b[pl;ly; ifnahg;gk;> rhd;wpjo; nry;YgbahFk;
fhyg;gFjpf;Fhpa jpfjpfs; vd;gtw;iw b[pl;ly; rhd;wpjo;fs; nfhz;bUf;Fk;.
“HSBC FOkk;;” vd;gJ HSBC N`hy;bq;]; gp.vy;.rp. mjd; cg epWtdq;fs;> Jiz
epWtdq;fs; kw;Wk; mtw;wpd; VNjDk; fpisfisf; Fwpf;Fk;.
“mwpTWj;jy;” vd;gJ fzf;F itg;ghsh; my;yJ itg;ghsh;fsplkpUe;J ,r;
Nritfspd; Clhf HSBCf;F fpilf;Fk; VNjDk; Ntz;LNfhis my;yJ
mwpTWj;jiyf; Fwpf;Fk;.
“,iza tiyj;jsk;” vd;gJ fzf;F itg;ghsUf;F/itg;ghsh;fSf;Fr;
Nritfis toq;Ftjw;fhf vk;khy; my;yJ vkJ rhh;gpy; ,d;DnkhUtuhy;
];jhgpf;fg;gl;L> nraw;gLj;jg;gl;L kw;Wk;/my;yJ guhkhpf;fg;gLk; VNjDk;
,iza tiyj;jsj;ijf; Fwpf;Fk;.
“epWtdk;” vd;gJ ,e;j xg;ge;jj;jpd; Nehf;fj;jpw;fhf> $l;lhf my;yJ
jdpj;jdpahf> xU epWtdkhff; fUjg;gl Ntz;Lnkd fzf;F
itg;ghshpdhy;/itg;ghsh;fspdhy; HSBCf;F mwptpf;fg;gl;l VNjDk; %d;whk;
jug;G epjp epWtdj;ij kw;Wk;/my;yJ VNjDk; nghJtrjp toq;Fk;
epWtdj;ijf; Fwpf;Fk;.
“jfty;” vd;gJ vk;khy; my;yJ VNjDk; jfty; toq;Fehpdhy; ,r; Nritfs;
%yk; fzf;F itg;ghsUf;F/itg;ghsh;fSf;F toq;fg;gLk; VNjDk; epjp>
re;ij my;yJ NtNwJk; jftiyAk; juitAk; Fwpf;Fk;.
“jfty; toq;Feh;” vd;gJ HSBC jtph;e;j jfty; toq;Feh; xUtiuf; Fwpf;Fk;.
jfty; toq;Feh; xUtUf;Fj; jfty; toq;FgtUk; ,jpy; cs;slq;Fthh;.
“xd;iyd;” vd;gJ ,iza tiyj;jsj;jpd; (,iza tiyj;jsq;fspd;) Clhf
,izaj;ijg; gad;gLj;jp toq;fg;gLk; NritfSf;fhd mZfy; trjpiaf;
Fwpf;Fk;.
“flTr;nrhy;” vd;gJ Nritfisg; gad;gLj;Jtjw;F my;yJ Nritfs; %yk;
mwpTWj;jy;fis tpLg;gjw;F cgNahfpf;fg;gLk; ,ufrpar; nrhy;>
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nrhw;nwhlh; my;yJ ,yf;fj;ijf; Fwpf;Fk;. mjhtJ> Nritfisg;
gad;gLj;Jtjw;F kw;Wk;/my;yJ fzf;F itg;ghshpd;/itg;ghsh;fspd;
mwpTWj;jy;fisr; nraw;gLj;Jtjw;F cgNahfpg;gjw;fhf tq;fpapdhy;
toq;fg;gl;l my;yJ fzf;F itg;ghshpdhy; my;yJ fzf;F
itg;ghsh;fspdhy; Vw;Wf;nfhs;sg;gl;l VNjDk; ,ufrpaf; flTr;nrhy;>
nrhw;nwhlh;> FwpaPL> ,yf;fk; my;yJ NtNwJk; milahsk;. (VNjDk;
gadh; ngah;> ghJfhg;Gf; FwpaPL vd;gdTk; cs;slq;Fk;).
“jdpg;gl;l ,izaj;js tq;fpr; Nrit (PIB)” vd;gJ ,e;j xg;ge;jj;jpd; 2Mk;
ruj;jpy; tphpthfj; njhptpf;fg;gl;Ls;s my;yJ fhyj;jpw;Ff; fhyk; vOj;J
%yk; jpUj;jg;gl;l Nritfspd; gad;ghl;bw;fhf HSBC fzf;F
itg;ghsUf;F/itg;ghsh;fSf;F HSBC,d;; cj;jpNahfg+h;t ,iza
tiyj;jsj;jpd; Clhf toq;fg;gl;l ,izaj;js Nghh;liyf; Fwpf;Fk;.
“mwpf;iffs;” vd;gJ VNjDk; tbtj;jpy;> Clfj;jpy; my;yJ topapy; fpilf;Fk;
jfty;fspypUe;J njhFf;fg;gl;l mwpf;iffisf; Fwpf;Fk;.
“ghJfhg;Gr; rhjdk;” vd;gJ ghJfhg;Gf; FwpaPl;il cUthf;FtjwFg;
gad;gLj;Jtjw;fhf fzf;F itg;ghsUf;F/itg;ghsh;fSf;F HSBC,dhy;
Fwpj;njhJf;fg;gLk; Xh; ,yj;jpudpy; rhjdkhFk;.
“ghJfhg;Gf; FwpaPL” vd;gJ PIB kw;Wk;/my;yJ rpy PIB Nritfisg;
gad;gLj;Jtjw;Ff; fzf;F itg;ghshpdhy;/itg;ghshh;fspdhy;
cgNahfpf;fg;gLtjw;nfd ghJfhg;Gr; rhjdj;jpdhy; cUthf;fg;gLk; xNu
jlitf; flTr;nrhy;iyf; Fwpf;Fk;.
“Nritfs;” vd;gJ ,q;F 2Mk; ruj;jpy; tpghpf;fg;gl;Ls;sthW fzf;F
itg;ghsUf;F/itg;ghsh;fSf;F HSBC,dhy; toq;fg;gLk; Nritfisf;
Fwpf;Fk;.
“tpjpfs;” vd;gJ ,e;j xg;ge;jj;ij Ml;rp nra;Wk; tpjpfs; kw;Wk; epge;jidfs;>
VNjDk; ifJwg;Gfs;> ,iza tiyj;js ,ufrpa mwpf;iffs;> gadh;
topfhl;b kw;Wk; fhyj;jpw;Ff; fhyk; jpUj;jk; nra;ag;gLk;NghJ fzf;F
4

itg;ghsUf;F/itg;ghsh;fSf;F vk;khy; mwptpf;fg;gLk; VNjDk; Nkyjpf
tpjpfs; vd;gtw;iwf; Fwpf;Fk;.
“fUtpfs;”; vd;gJ PIB NritfSld; Neubj; njhlh;G ,y;yhtpbDk;> fzf;F
itg;ghsUf;F/itg;ghsh;fSf;F cjTk; tifapy; HSBC,dhy;
toq;fg;gLk; ngWkjp Nrh;f;fg;gl;l Nritfisf; Fwpf;Fk;. gz Kfhik>
ghJfhg;ghd xd;iyd; fpnwbl; fhh;l; nfhs;tdT> “Quicken” software /
“Money” software / “Verified by Visa”/ “MasterCard Secure Code”, “Global View”
Nghd;w xd;iyd; gpuNahfq;fs;> cyfshtpa gz khw;w trjp vd;gdTk;
mtw;Ws; mlq;Fk;. ,j;jifa fUtpfs;> mtw;wpw;Fhpa tpjpfs; kw;Wk;
epge;jidfspdhy; Ml;rp nra;ag;gLk;.
"gadh; ID" vd;gJ ,yf;fq;fs; kw;Wk;/my;yJ vOj;Jfisf; nfhz;l
jdpj;Jtkhd milahsf; FwpaPlhFk;. NritfSf;fhfg; gjpT nra;Ak;
Ntisapy;> ,J tq;fpahy; toq;fg;gLk;; my;yJ thbf;ifahsh; jhdhfNt
cUthf;fpf;nfhs;thh;. Nritfisg; nghWj;jtiuapy;> fzf;F itg;ghshpd;
gpujhd milahsf; FwpaPL gadh; ID MFk;.
“gadh; topfhl;b” vd;gJ fzdpj; jpiuapy; Nritfspd; "Help" gf;fq;fspy;
fhl;lg;gLk; topfhl;Ljy;fs; kw;Wk; jfty;fs; kw;Wk;/my;yJ fzf;F
itg;ghsUf;nfd ,e;j xg;ge;jj;jpy; Fwpg;gplg;gl;Ls;s Vida
topfhl;Ljy;fs; (rfy PIB fzf;F itg;ghsh; topfhl;bfSk; cs;slq;Fk;)>
Nritfs; njhlh;ghf fhyj;jpw;Ff; fhyk; vk;khy; jpUj;jk; nra;J
toq;fg;gLk; Vida topfhl;Ljy;fs; Mfpatw;iwf; Fwpf;Fk;.
1. mwpKfk;
1.1 HSBC toq;Fk; jdpg;gl;l ,izaj;js tq;fpr; Nritiag; gad;gLj;j
fzf;F itg;ghsh; tpUk;Gk; mNj Ntisapy;> ,r; Nritiaf; fzf;F
itg;ghsUf;F toq;f HSBC ,zq;Ffpd;wJ.
1.2 ,e;j xg;ge;jj;jpy; mlq;fpAs;s my;yJ njhptpf;fg;gl;Ls;s
epge;jidfSf;F mikthfNt fzf;F itg;ghsUf;Fr; Nritfs;
toq;fg;gLk; vd;gJ fzf;F itg;ghshpdhYk; tq;fpapdhYk;
Vw;Wf;nfhs;sg;gLfpd;wJ.
5

1.3 ,iza tiyj;jsj;jpy;> tpjpfs; kw;Wk; epge;jidfspd; ,WjpapYs;s “I
Accept” nghj;jhidf; fpspf; nra;tjd; %yk; fzf;F itg;ghsh; ,e;j
tpjpfs; kw;Wk; epge;jidfSf;Ff; fl;Lg;gl;L elf;f ,zq;Ffpd;whh;.
2. Nritfs;
2.1 tq;fpr; Nrit> KjyPL> epjpr; Nrit kw;Wk; gy;NtW tifahd nfhLf;fy;
thq;fy;fis Nkw;nfhs;tjw;Fk; vk;kplkpUe;J Nritfs;> tq;fp trjpfs;>
gz;lq;fs;> mD$yq;fs; kw;Wk; rYiffisg; ngWtjw;Fk; mwpTWj;jy;fs;
toq;Ftjw;Fk; vk;Kld; njhlh;Gnfhs;Sk; tha;g;G kw;Wk; ehk; mth;fSld;
njhlh;Gnfhs;Sk; tha;g;G vd;gtw;iwf; fzf;F itg;ghsUf;F
toq;Ftjw;fhf> chpa mjpfhhpfs;> xOq;FgLj;Jeh;fs;> FOkj;jpd; VNjDk;
mq;fj;jth; my;yJ ehk; mtrpankdf; fUJk; VNjDnkhUth; (“Kd;whtJ
jug;G” vdf; Fwpg;gplg;gLk; ,r; nrhw; gpuNahfk; re;jh;g;gj;jpw;Fk; Njitf;Fk;
Vw;g %d;whk; jug;G toq;FeiuAk; cs;slf;Fk;) mq;fPfhpf;Fk; gl;rj;jpy;>
,e;j epge;jidfSf;F mikthf> ,iza tiyj;jsj;jpd; Clhf>
fhyj;jpw;Ff; fhyk;> ehk; xd;iyd; kw;Wk; NritfisAk; trjpfisAk;
toq;FNthk;. ,r; Nritfs; gpd;tUtdtw;iwAk; cs;slf;fpajhf ,Uf;Fk;:
• fzf;F itg;ghshpd; fzf;FfSf;F ,ilapYk; Kd;whk;
jug;Gf;fspd; fzf;FfSf;Fkhd gz khw;wq;fs;.
• cs;ehl;L kw;Wk; ntspehl;L tq;fpfSf;fhd gz khw;wq;fs;.
• Nfhuy; itg;Gf;fs; kw;Wk; fhrhsh; fl;lisfSf;fhd
Ntz;LNfhs;fs;.
• njhpT nra;ag;gl;l nghJ trjpf; fl;lzq;fspd; nfhLg;gdT.
• Fwpg;gpl;l rpy tifahd Gjpa fzf;Ffis Muk;gpj;jy;.
• fhy itg;Gf;fspd; Kjph;r;rp mwpTWj;jy;fisg; GJg;gpj;jy;.
• fzf;Ffs; kw;Wk; fpnwbl; fhh;l;fs; njhlh;ghd ,yj;jpudpay;
tpguf;$w;Wfs; kw;Wk; ,yj;jpudpay; MNyhridfisf; NfhUjYk;
ghh;itapLjYk;.
• ehzag; ghpth;j;jid tPjq;fisAk; itg;Gf;fs;/fld;fSf;fhd tl;b
tPjq;fisAk; tprhhpj;Jg; ngWjy;
• ehzaf; fzpg;G trjp
6

• fhNrhiyg; Gj;jfj;jpw;fhd Ntz;LNfhs;> fhNrhiyf; nfhLg;gditj;
jilnra;tjw;fhd Ntz;LNfhs;> fhNrhiyfspd; ,og;ig
mwptpj;jy;..
• jdpg;gl;l jfty;fs; kw;Wk; njhlh;G tpguq;fisg; GJg;gpj;jy;.
• flTr;nrhw;fisAk; ghJfhg;Gf; Nfs;tpfisAk; khw;Wjy;.
• khw;wPlhd jdpg;gl;l milahs ,yf;fq;fisf; NfhUjy;.
• “Verified by Visa” kw;Wk; “Master Card Secure Pay” NritfSf;Fg; gjpT
nra;jy;.
• Kd;ida tpguf;$w;Wfspd; gpujpfisf; NfhUjy;.
• fpnwbl; fhh;l; jw;fhypf cr;rtuk;gpd; mjpfhpg;igf; NfhUjy;.
• mwtPLfs; kw;Wk; fhyf;nfLf;fis mwpjy;.
• Njwpa ngWkjp tpguf;$w;Wfs;.
• ghJfhg;ghd nra;jp %yk; tq;fpAld; njhlh;Gnfhs;Sjy;.
Nritfspd; xU gFjpahf> ,iza tiyj;jsj;jpd; Clhf jfty;fis
toq;Ftjw;Fk; mwpf;iffis toq;Ftjw;Fk; ehk; eltbf;if vLf;ff;$Lk;.
2.2 toq;fg;gLk; Nritfspd; Nehf;nfy;iy kw;Wk; tifiaj; jPh;khdpf;fTk;;
fhyj;jpw;Ff; fhyk; khw;wTk; vkf;F chpikAz;L. ,e;j khw;wq;fs; gpd;tUk;
tplaq;fs; njhlh;GilajhfTk; ,Uf;fyhk;:
2.2.1 ve;j Neuj;jpYk; Nritfis tphpTgLj;Jjy;> khw;Wjy; my;yJ
Fiwj;jy;;
2.2.2 Nritfspd; cgNahfj;jpy; VNjDk; tiuaiwfis tpjpj;jy;
my;yJ khw;Wjy;. Nritfisg; gad;gLj;jpf; fzf;F itg;ghsh;
Nkw;nfhs;sf;$ba VNjDk; nfhLf;fy; thq;fypd; ngWkjp njhlh;gpy;
Fiwe;jgl;r kw;Wk; mjpfgl;r vy;iyfis tpjpg;gJk; ,jpy;
cs;slq;Fk;;
2.2.3 Nrit toq;fg;gLk; toikahd Neuq;fs; kw;Wk; VNjDk; Nritfs;
my;yJ nfhLf;fy; thq;fy;fSf;fhd jpdrhp fhyf;nfLf;fs;
vd;gtw;iw eph;zapj;jYk; khw;WjYk;.
2.3 chpa jpdrhpf; fhyf;nfLtpw;Fg; gpd; vkf;Ff; fpilf;Fk; fzf;F
itg;ghshpd; VNjDk; mwpTWj;jy;fs; mNj ehspy; my;yJ mLj;j Ntiy
ehspy; nraw;gLj;jg;glyhk;.
7

2.4 ,r; Nritfs; vk;khy; my;yJ HSBC FOkj;jpd; VNjDnkhU mq;fj;jtuhy;
kw;Wk;/my;yJ xU Kd;whtJ jug;gpdhy; rl;lg+h;tkhf toq;fg;glf;$ba
epahahjpf;fg; gpuNjrj;jpYk; NtisapYk; khj;jpuNk toq;fg;gLk;. vkJ
Nritfs; kw;Wk; jfty;fisj; jil nra;Js;s epahahjpf;fg; gpuNjrj;jpy;
cs;sth;fs; my;yJ mq;F trpg;gth;fs; ,r; Nritfis my;yJ Nritfs;
njhlh;ghd jfty;fisg; ngw my;yJ gad;gLj;jj; jFjpaw;wth;fs;.
KjyPLfis tpw;gjw;F my;yJ itg;Gf;fisr; nra;tw;F Kd;tUkhW ehk;
miog;G tpLj;jy; VNjDk; epahahjpf;fg; gpuNjrj;jpy; rl;l tpNuhjkhdjhf
mwptpf;fg;gl;bUe;jhy;> mj;jifa gpuNjrq;fspy; vkJ Nritfs; %yk;
toq;fg;gLk; jfty;fs; vkJ miog;ghfNth Ntz;LjyhfNth
fUjg;glyhfhJ. KjyPL> rl;lk;> fzf;fpay;> thp my;yJ epjp rk;ge;jkhf
VNjDk; jug;gpw;F NeubahfNth kiwKfkhfNth toq;fg;gLk;
MNyhridfshfTk; mj; jfty;fs; nfhs;sg;glyhfhJ.
2.5 fzf;F itg;ghsh; ,e;j xg;ge;jj;jpw;Fg; gzpe;J elg;gJld; khj;jpukd;wp>
,r; Nritfisg; gad;gLj;Jk;NghJ> vy;yh NtisfspYk;> Nghjpa mf;fiw
kw;Wk; ek;gfj;jd;ik vd;gtw;iwf; fhl;l Ntz;Lk;. fzf;F itg;ghsh;
VNjDk; tpjj;jpy; ,e;j xg;ge;jj;ij kPwpAs;shh; vd;W ehk; fUjpdhy;>
vt;tpj Nkyjpf mwptpj;jYkpd;wp> mtUf;fhd Nritfis ,ilepWj;j
my;yJ KbTWj;j vkf;F chpikAz;L.
3. gjpT nra;Ak; eilKiw
3.1 fzf;F itg;ghsh; ,r; Nritf;fhfj; jhdhfNt gjpT nra;Jnfhs;tjw;F>
HSBC,dhy; Neubahf mwptpf;fg;gl;L> ntt;Ntwhf mDg;gg;gl;l ATM fhh;l;
,yf;fk; kw;Wk; ATM fhh;l;
flTr;nrhy;iy (”ATM PIN”) my;yJ fpnwbl;
fhh;l; ,yf;fk; kw;Wk; fpnwbl; fhh;l; flTr;nrhy;iy (”Credit Card PIN”)
my;yJ njhiyNgrp tq;fpr; Nrit ,yf;fk; kw;Wk; njhiyNgrp tq;fpr;
Nrit flTr;nrhy;iy (”Phonebanking PIN”) kw;Wk; FWe;jfty;
flTf;FwpaPl;il (HSBC,y; fpnwbl; fhh;l;il khj;jpuk;
itj;jpUg;gth;fSf;fhd “SMS Passcode”) gad;gLj;j Ntz;Lk;. gjpT nra;Ak;
eilKiwahdJ gadh; topfhl;bapy; tpghpf;fg;gl;Ls;sJ. ,e;j
eilKiwiar; rhpahfg; gpd;gw;wj; jtwpdhy;> fzf;F itg;ghsh; PIB
Nritfis KOikahf my;yJ gFjpahf cgNahfpf;f KbahjpUf;Fk;.
8

3.2 ghJfhg;Gr; rhjdk;
gpujhd gl;baypy; njhptpf;fg;gl;Ls;s tpUg;Ghpikfspd; gpufhuk;> fzf;F
itg;ghsh; PIB Clhf ghJfhg;Gr; rhjdj;jpw;F Ntz;LNfhs; tpLf;fyhk;.
mt;thwhd Ntz;LNfhs; tpLf;fg;gLk; gl;rj;jpy;> ,g; ghJfhg;Gr; rhjdk;
fzf;F itg;ghshpdhy; HSBCf;F toq;fg;gl;Ls;s Kfthpf;Fj; jghypy;
mDg;gg;gLk;. my;yJ Fwpj;Jiuf;fg;gl;l HSBC fpisnahd;wpy;; fzf;F
itg;ghsh; mjidg; ngw;Wr;nry;yyhk;. Fwpg;gpl;l rpy Nritfisr;
nraw;gLj;Jtjw;Fg; ghJfhg;Gr; rhjdk; mtrpakhFk;.
3.3 PIB %yk; gad;gLj;jf;$ba fzf;Ffs;
fzf;F itg;ghsh; PIB %yk; jdJ fzf;Ffisr; nraw;gLj;Jk; trjpia
HSBC toq;Fk;. vdpDk;> rpy tifahd fzf;FfSf;F PIB Nritfisg;
gad;gLj;Jk; trjp jLf;fg;glyhk;.
3.4 PIB Nritfisg; gad;gLj;jhik
fzf;F itg;ghsh; 36 khj fhyj;jpw;F PIB Nritfisg; gad;gLj;jhky;
tpl;lhy;> mr; Nritfs; ,ilepWj;jg;glyhk;. mj;jifa ,ilepWj;jk; gw;wp
tq;fpapdhy; fzf;F itg;ghsUf;F vOj;J %yk; mwptpf;fg;gLk;.
,ilepWj;jk; nra;ag;gl;l jpfjpapypUe;J gd;dpuz;L (12) khjq;fs; vd;w
rYiff; fhyj;jpDs; fzf;F itg;ghsh; PIB Nritfis kPz;Lk;
nraw;ghl;bw;Ff; nfhz;Ltu mDkjpf;fg;glyhk;.
4. mwpTWj;jy;fs;
4.1 ,e;j xg;ge;jj;jpw;F mikthf gadh; ID> flTr;nrhy; kw;Wk;/my;yJ
ghJfhg;Gr; rhjdj;ijg; gad;gLj;jp tpLf;fg;gLk; mwpTWj;jy;fis
khj;jpuNk ehk; Vw;Wf;nfhs;Nthk;. VNjDk; fhuzj;jpw;fhf> fzf;F
itg;ghsUf;F Kd;dwptpj;jy; nfhLj;Njh nfhLf;fhkNyh> mwpTWj;jy;fis
epuhfhpf;Fk; chpik tq;fpf;F cz;L.
4.2 HSBCf;F fpilf;fg;ngWk; rfy nry;YgbahFk; mwpTWj;jy;fisAk;> (mit
fzf;F itg;ghshpdhy; jdJ fzf;Ffs; njhlh;gpy; vg;NghjhtJ toq;fpa
9

VNjDk; mjpfhukspg;Gfspd; epge;jidfSf;F Kuzhf ,Ue;jhYk;) fzf;F
itg;ghshpdhy; Kiwg;gb mjpfhukspf;fg;gl;l mwpTWj;jy;fshff; fUJk;gb
fzf;F itg;ghsh; HSBCf;F Ntz;LNfhs; tpLj;J> mjpfhukspf;fpwhh;. NkNy
4.1 ,y; njhptpf;fg;gl;Ls;s vkJ flg;ghLfisj; jtpu> mj;jifa
mwpTWj;jy;fspd; cz;ikj; jd;ikia my;yJ mtw;iw toq;Fgthpd;
my;yJ toq;Fgth;fspd; mjpfhuj;ijg; ghpNrhjpj;J mwpa Ntz;ba
Ntnwe;jf; flg;ghLk; vkf;Ff; fpilahJ.
4.3 mwpTWj;jy;fspd; rhpEl;gk; kw;Wk; g+uzj;Jtj;ij cWjpg;gLj;JtJk;>
mj;jifa mwpTWj;jy;fs; fzf;F itg;ghshpd; Nehf;fj;ij epiwNtw;Wk;
vd;gij cWjpg;gLj;JtJk; fzf;F itg;ghshpd; nghWg;ghFk;. VNjDk;
mwpTWj;jypd; cs;slf;fk; jtwhf my;yJ g+uzj;Jk; mw;wjhf ,Ug;gjhy;
Vw;glf;$ba VNjDk; ,og;G my;yJ jhkjj;jpw;F ehk; ehk; nghWg;ghspahf
khl;Nlhk;.
4.4 fzf;F itg;ghsh; gpd;tUtdtw;iwg; Ghpe;Jnfhz;L Vw;Wf;nfhs;fpwhh;:
4.4.1 fzf;F itg;ghsh; tpLf;Fk; VNjDk; mwpTWj;jypd; Nghpy; vk;khy;>
HSBC FOkj;jpd; mq;fj;jth; xUthpdhy; Nkw;nfhs;sg;gLk; nfhLf;fy;
thq;fy;fs; kw;Wk; eltbf;iffs; rfy tplaq;fspYk; fzf;F
itg;ghsiuf; fl;Lg;gLj;Jk;.
4.4.2 HSBC ,Ys;s %d;whk; jug;Gg; ngWeh; fzf;fpw;F PIB Clhfg; gz
khw;wk; nra;Ak;NghJ fzf;F itg;ghshpd; ngah;> mDg;gg;gLk;
njhif vd;gd %d;whk; jug;Gg; ngWeUf;F mwptpf;fg;gLk; nfhLf;fy;
thq;fy; tpguq;fspy; fhl;lg;gLk;.
4.4.3 fzf;F itg;ghshpd; mwpTWj;jy; njhlh;gpy; vkJ Kd;nrYj;jy;
mwpTWj;jy;fisr; nraw;gLj;Jk;NghJ> fzf;F itg;ghsh;
fzf;Ffisg; NgZk; VNjDk; %d;whk; jug;gpd; jtWif> jhkjk;
my;yJ NtNwJk; FiwghLfs; ve;j topapy; Vw;gl;bUe;jhYk; HSBC
mtw;wpw;Fg; nghWg;ghspahf khl;lhJ.
4.5 mwpTWj;jnyhd;iw ,uj;Jr;nra;Ak;gb my;yJ khw;Wk;gb fzf;F
itg;ghsh; vkf;F Ntz;LNfhs; tpLf;Fk; gl;rj;jpy;> me;j Ntz;LNfhis
epiwNtw;Wtjw;F HSBC rfy epahakhd Kaw;rpfisAk; Nkw;nfhs;Sk;.
10

vdpDk;> fzf;F itg;ghshpd; Ntz;LNfhs; fpilj;j Neuk; my;yJ
#o;epiyapd; fhuzkhf> me;j Ntz;LNfhspy; njhptpf;fg;gl;l ,uj;Jr;
nra;ifia my;yJ khw;wj;ij vk;khy; nra;a KbahJNghdhy;> ehk;
mjw;Fg; nghWg;ghspahf khl;Nlhk;.
4.6 tq;fpapdhy; ntspaplg;gl;Ls;s fl;lzg; gl;baYf;F mikthf>
nghUj;jkhd rfy mwtPLfisAk; fl;lzq;fs;> tUkjpfs;> juFg;gzk;>
Nkyjpfg; gw;wpw;fhd tl;b kw;Wk; NtnwJk; tl;b vd;gtw;iwAk; fhh;l;
itg;ghshpd; fzf;fpy;/fzf;Ffspy; gw;W itf;f HSBCf;F chpikAz;L.
4.7 gpd;tUk; re;jh;g;gq;fspy;> ehk; vkJ g+uz RatpUg;gpd; NghpYk; nghWg;Gfs;
,y;yhkYk;> VNjDk; mwpTWj;jy; njhlh;ghf eltbf;if vLg;gij kWf;f
my;yJ jhkjpf;f KbAk;:
4.7.1 Ntz;LNfhs; my;yJ mwpTWj;jy; HSBC ,dhy; tpjpf;fg;gl;l
cr;rtuk;Gj; njhifia kPWjy;;
4.7.2 fzf;F itg;ghshpd; xU my;yJ xd;wpw;F Nkw;gl;l fzf;Ffs;
my;yJ nghJthf PIB Nritfs; njhlh;gpy; ghJfhg;G kPwy;
,lk;ngw;Ws;sjhf HSBC ,dhy; mwpag;gLjy; my;yJ
re;Njfpf;fg;gLjy;;
4.7.3 ,q;F 19Mk; ruj;jpy; Fwpg;gplg;gl;Ls;sjw;F mika> ehk; ,e;j
xg;ge;jj;ij KbTWj;jpapUe;jy;.
4.8 NkNy 4.7,y; njhptpf;fg;gl;Ls;sjw;F mika ehk; eltbf;if
vLf;fhtpl;lhy; my;yJ eltbf;if vLg;gijj; jhkjpj;jhy;> ,ad;wsT
tpiutpy; mJ gw;wpf; fzf;F itg;ghsUf;F vOj;J %yk; mwptpg;Nghk;.
4.9 mwpTWj;jy; toq;fg;gLtJk; nfhLf;fy; thq;fy; Nkw;nfhs;sg;gLtJk;
vg;NghJk; xNu rkaj;jpy; ,lk;ngWk; epfo;Tfs; my;y. rpy tplaq;fisr;
nraw;gLj;Jtjw;Ff; fhyk; vLf;fyhk;. ,izaj;jsj;jpd; Clhd
Nritfis toikahd tq;fp mYty; Neuk; my;yhj NtisfspYk;
gad;gLj;jf;$bajhf ,Ue;jhYk;> rpy mwpTWj;jy;fis toikahd tq;fp
mYty;fs; Neuj;jpy; khj;jpuNk nraw;gLj;j KbAk;.
4.10 xd;iyd; tprhuizf;fhd gjpyspg;ghf ehk; njhptpf;Fk; VNjDk; ntspehl;L
ehzag; ghpth;j;jid tPjq;fs;> tl;b tPjq;fs;> nfhLf;fy; thq;fy; tPjq;fs;
kw;Wk; VNjDk; tpiyfSk; jfty;fSk;> cjtpf; Fwpg;Gf;fhf
11

khj;jpuNkad;wp> mWjp Kbthdit my;y. Vida Nehf;fq;fs;/nfhLf;fy;
thq;fy;fs; njhlh;gpy; vk;khy; Fwpg;gplg;gl;l tPjk;> tpiy my;yJ jftypy;
vj;jifa tpj;jpahrk; ,Ue;jhYk;> mjidf; fUj;jpw; nfhs;shky;> fzf;F
itg;ghshpdhy; xg;Gf;nfhs;sg;gl;L> Ch;[pjk; nra;ag;gl;l tPjk;> tpiy
kw;Wk; jftNy chpa nfhLf;fy; thq;fypy; fzf;F itg;ghsiuf;
fl;Lg;gLj;Jtjhf mikAk;.
4.11 mwpTWj;jy; ngwg;gl;lJ kw;Wk;/my;yJ PIB Nritfs; %yk; nfhLf;fy;
thq;fy; nraw;gLj;jg;gl;lJ vd;gjw;fhd mwptpj;jy; kw;Wk;/my;yJ
Ch;[pjg;gLj;jy; vk;khy; xd;iyd; Kiwapy; mDg;gg;gLk;. mj;jifa
mwptpj;jy; kw;Wk;/my;yJ Ch;[pjg;gLj;jy; mDg;gPL nra;ag;gl;l clNdNa
mJ fzf;F itg;ghshpdhy; ngwg;gl;Ls;sjhff; fUjg;gLk;. mj;jifa
mwptpj;jy; kw;Wk;/my;yJ Ch;[pjg;gLj;jy; fpilj;Js;sjh vd;gijg;
ghpNrhjpg;gJ fzf;F itg;ghshpd; flikahFk;. fzf;F itg;ghsh; xUth;>
mj;jifa mwptpj;jy; kw;Wk;/my;yJ Ch;[pjg;gLj;jiy toikahd
fhyj;jpDs; ngwhtpl;lhy;> mJ gw;wp tq;fpaplk; tprhhpg;gJ fzf;F
itg;ghshpd; nghWg;ghFk;. ,j;jifa re;jh;g;gq;fspy;> tq;fp jdf;Fg;
nghUj;jnkdf; fUJk; tpjj;jpy; nfhLf;fy; thq;fYf;fhd Ch;[pjg;gLj;jiy
toq;fyhk;.
4.12 VNjDk; fzf;F my;yJ nfhLf;fy; thq;fy; njhlh;ghd PIB %yk;
toq;fg;gLk; jfty;fis cjtpf; Fwpg;ghf kl;LNk nfhs;s Ntz;Lk;. NtW
tpjkhf ep&gpf;fg;glhtpbd;> mj;jifa fzf;F kw;Wk; nfhLf;fy; thq;fy;
njhlh;ghf vkJ gjpNtLfspYs;s jfty;fNs ,Wjpahdit.
4.13 gz khw;wq;fSf;fhd mjpfhukspg;G
“jdp fzf;F itg;ghsh; ifnahg;gkpLjy;” vd;w fzf;F mjpfhukspg;igf;
nfhz;l $l;Lf; fzf;Ffs; njhlh;ghf khj;jpuNk PIB %ykhd gz
khw;wq;fis $l;Lf; fzf;fpy; gw;W itf;f KbAk;.
fzf;F itg;ghshpd; mwpTWj;jy;fSf;F mika gz khw;wq;fs; my;yJ
nfhLg;gdTfs; nraw;gLj;jg;gLk;NghJ> fzf;F itg;ghsh; HSBCI
nghWg;GfspypUe;J tpLtpf;fpwhh;. Vida HSBC fzf;Ffis Ml;rp nra;Ak;
12

tpjpfs; kw;Wk; epge;jidfspd; fPo; gz khw;wj;jpw;fhf toq;fg;gLk; jdp
my;yJ $l;L mjpfhukspg;gpd; tiuaiwfs;> PIB Clhd fzf;F
itg;ghshpd; mwpTWj;jy;fSf;Fg; nghUe;jhJ vd;gij fzf;F itg;ghsh;
Vw;Wf;nfhs;fpwhh;. mj;jifa tiuaiwfis HSBC my;y> fzf;F itg;ghsh;
kl;LNk fl;Lg;gLj;j KbAk; vd;gijAk; fzf;F itg;ghsh;
xg;Gf;nfhs;fpwhh;.
5. ,izaj;js tq;fpr; Nritg; gjpNtLfs; kw;Wk; nfhLf;fy; thq;fy;
tpjpfs;
5.1 gpioahdit vd;W ep&gpf;fg;glhj gl;rj;jpy;> vkJ gjpNtLfNs ,r;
Nritfs; njhlh;ghf fzf;F itg;ghsUf;Fk; tq;fpf;Fk; ,ilapyhd rfy
njhlh;GfSf;Fk; rhd;whf ,Uf;Fk;.
5.2 Nritfs; njhlh;gpy; cUthf;fg;gLk; gjpNtLfs;/Mtzq;fs;; rl;l
eltbf;iffspy; gad;gLj;jg;gLk;NghJ> “mit %yg;gpujpfs; my;y> vOj;J
%ykhdit my;y> fzdpapd; %yk; jahhpf;fg;gl;lit” vd;gd Nghd;w
fhuzq;fisf; fhl;b> mtw;wpw;F vjph;g;Gj; njhptpf;f KbahJ vd;gij
fzf;F itg;ghsh; Vw;Wf;nfhs;fpwhh;. ,e;j Vw;ghL ‘rhd;Wfs; rl;lj;jpw;F’
Kuzhfhj tpjj;jpy; ,Uf;Fk;.
5.3 fzf;F itg;ghshpd; mwpTWj;jy;fs; kw;Wk; Ntz;LNfhs;fSf;Fhpa ,e;j
tpjpfs;> rfy fzf;FfisAk; Ml;rp nra;Ak; (fhyj;jpw;Ff; fhyk;
jpUj;jg;gLk;) tpjpfs; ; cs;spl;l tpjpfs; kw;Wk; epge;jidfspy; fzf;F
itg;ghsh; ifnahg;gk; ,l;bUf;fhtpl;lhy;> VNjDk; Fwpg;gpl;l fzf;F
my;yJ trjp rk;ge;jkhf my;yJ nghJthff; fzf;F itg;ghsUf;Fk;
vkf;Fk; ,ilapyhd njhlh;Gfis newpg;gLj;Jk; jw;NghJs;s tpjpfs;
kw;Wk; epge;jidfSf;F NkyjpfkhditahFk;. VNjDk; Kuz;ghLfs;
,Ug;gpd;> ,e;j tpjpfs; kw;Wk; epge;jidfNs PIB Nritfs; njhlh;ghf
Mjpf;fk; nrYj;Jk;.
6. Nritj; Jz;bg;G
6.1 mtrpakhdJ my;yJ rhpahdJ vd;W ehk; fUJk; gl;rj;jpy;> (cjhuzk;:
ghJfhg;G kPwg;gl;Ls;snjd ehk; re;Njfpf;Fkplj;J fzf;F itg;ghsiug;
ghJfhg;gjw;fhf my;yJ guhkhpg;G Ntiyfspd; my;yJ NtW fhuzq;fspd;
13

epkpj;jk; Nritia ,ilepWj;j Ntz;ba Njit Vw;gLk;NghJ) fzf;F
itg;ghsUf;fhd VNjDk; Nritfis epue;jukhf my;yJ jw;fhypfkhf
epWj;Jtjw;F ehk; eltbf;if vLf;ff;$Lk;.
6.2 VNjDk; Nrit toq;fg;gl khl;lhJ vd;why;> mJ gw;wp PIB Nrit
kw;Wk;/my;yJ ,izaj;jsk; Clhf jhkjkpd;wpf; fzf;F itg;ghsUf;F
mwptpf;f epahakhd rfy Kaw;rpfisAk; ehk; Nkw;nfhs;Nthk;.
6.3 fpilf;fhj xU Nritf;fhf fzf;F itg;ghshpd; fzf;fpypUe;J VNjDk;
xU fl;lzj;ij tq;fp mwtpl;bUe;jhy;> (xl;Lnkhj;jr; Nritf;fhf fhy
mbg;gilapy; mwtplg;gLk; fl;lzk; ,jpy; mlq;fhJ) mf; fl;lzj;ij
tq;fp fzf;F itg;ghsUf;F kPsspf;Fk;.
6.4 ruj;J 6.3,y; njhptpf;fg;gl;Ls;sijj; jtpu> ,e;j tplaj;jpy; fzf;F
itg;ghsh;fSf;fhd Ntnwe;jg; nghWg;Gk; tq;fpf;F fpilahJ.
7 Vida epWtdq;fSldhd nfhLf;fy; thq;fy;fs;
7.1 mwpTWj;jy;fs; %yk; Nfhug;gLk; Nritfis jdJ rhh;gpy; VNjDk;
epWtdj;jplkpUe;J NfhUtjw;Fk; mj;jifa Kd;nrYj;jy;
mwpTWj;jy;fisr; nraw;gLj;Jtjw;fhd mwpTWj;jy;fis tpLg;gjw;F PIB
Nritfisg; gad;gLj;Jtjw;Fk; fzf;F itg;ghsh; HSBCI jdJ Kftuhf
epakpf;fpwhh;.
7.2 ehk; fzf;F itg;ghshpd; rhh;gpy; xU epWtdj;jpw;F mwpTWj;jiyr;
rkh;g;gpf;Fk;NghJ> me;j mwpTWj;jiyr; nraw;gLj;Jtjpy; rk;ge;jg;gl;l
epWtdj;jpd; jtWif my;yJ jhkjj;jpw;F ehk; nghWg;ghsp Mfkhl;Nlhk;.
7.3 epWtdk; xd;wpdhy; vkf;F toq;fg;gl;l VNjDk; jftiy ehk; fzf;F
itg;ghsUf;F tpepNahfpf;Fk;NghJ> me;j epWtdk; toq;fpa jftypd;
cz;ikj; jd;ik my;yJ NghJikf;F ehk; cj;juthjk; mspg;gjpy;iy.
7.4 VNjDnkhU epWtdk; Xh; mwpTWj;jiyr; nraw;gLj;Jtjw;F trjpahf>
,e;j xg;ge;jj;jpd; tpjpfs; fzf;F itg;ghsUf;Fk; rk;ge;jg;gl;l
epWtdj;jpw;Fk; ,ilNa nghUj;jkhd Kiwapy; gpuNahfpf;fg;gLtjw;F
14

fzf;F itg;ghshpd; Kfth; vd;w Kiwapy;> ehk; ,zq;ff;$Lk; vd;gijf;
fzf;F itg;ghsh; Vw;Wf;nfhs;fpwhh;.
8. fzf;F itg;ghsh; gw;wpa jfty;fs;
8.1 Nritfis toq;Fk; Nehf;fj;jpw;fhf> ehk; fhyj;jpw;Ff; fhyk; Nfhuf;$ba
jfty;fis fzf;F itg;ghsh; toq;f Ntz;Lk;. ntspg;gLj;jf; fl;lhak;
,y;yhj jdJ jfty;fis fzf;F itg;ghsh; ntspaplhky; ,Uf;fyhk;.
8.2 fzf;F itg;ghsh; njhlh;gpy; mtuJ fzf;F tpguq;fs; cs;spl;l rfy
juTfSk; mDg;gPL nra;ag;gl;L kw;Wk;/my;yJ fsQ;rpag;gLj;jg;gl;L>
gpd;tUNthuhy; gad;gLj;jg;glyhk;:
8.2.1 tq;fp> mjd; jiyik mYtyfk;> HSBC fpis mYtyfq;fs;> HSBC
FOkj;jpd; mq;fj;jt kw;Wk; Jiz mq;fj;jt epWtdq;fspd;
mjpfhuk; ngw;w mYtyh;fs;
8.2.2 VNjDk; juT nrayhf;fr; Nrit toq;Feh;
8.2.3 fzf;F tpguf;$w;Wf;fis mr;rpl;L> jghypy; mDg;Gtjw;F
tq;fpapdhy; Nritf;F mkh;j;jg;gl;l vtNuDnkhUth;
8.2.4 jfty; toq;fg;gLtJ mtrpankd tq;fpapdhy; fUjg;gLk; xUth;
8.2.5 tq;fp jdJ toikahd tpahghur; nraw;ghLfSf;F mtrpankdf;
fUJk; nghjp nra;jy;> tpguf;$w;Wf;fis mr;rpLjy;> jghypy;
mDg;Gjy; Nghd;w NritfSf;F ntspahl;fis ehLk;NghJ> eph;thfk;
kw;Wk; cs;sf fz;fhzpg;Gj; NjitfSf;fhf mj;jifa
jfty;fspd; mDg;gPL> fsQ;rpag;gLj;jy; kw;Wk; gad;ghl;Lf;F
mtrpankd tq;fpapdhy; fUjg;gLgth;fs;.
8.3 fzf;F itg;ghsh;(fs;)> fzf;F(fs;) kw;Wk; fzf;F itg;ghshpd; rhh;gpy;
tq;fpapdhy; nraw;gLj;jg;gl;l nfhLf;fy; thq;fy;(fs;) gw;wpa jfty;fis>
mj;jifa nfhLf;fy; thq;fy;(fs;) fzf;F itg;ghshpd; rhh;gpy;
nraw;gLj;jg;gl;l VNjDk; epahahjpf;fj;jpd; rl;lj;jpdhy;> tpjpapdhy;
my;yJ gpukhzj;jpdhy; Njitg;gLj;jg;gLk; egh;fSf;F my;yJ mj;jifa
epahahjpf;fg; gpuNjrj;jpd; murhq;fj;jpw;F my;yJ xOq;FgLj;jy; mjpfhu
rigf;F ntspg;gLj;j fzf;F itg;ghsh; ,j;jhy; tq;fpf;F
mjpfhukspf;fpwhh;.
15

Gjpait vd;w cj;juthjk; tq;fpapdhy; my;yJ FOkj;jpd; ,d;DnkhU
mq;fj;jtuhy; toq;fg;gl khl;lhJ. nghUj;jkhd rl;lq;fs; kw;Wk; FOkg;
gpukhzq;fspd; Nkyhjpf;fj; NjitfSf;F Kuzhfhj tpjj;jpy;> mj;jifa
#o;epiy epyTtijg; gw;wp ,ad;wsT tpiutpy; fzf;F itg;ghsUf;F
mwptpf;f tq;fp Kaw;rp nra;Ak;.
9. ghJfhg;G Vw;ghLfs;
9.1 PIB kw;Wk; Nritfs; njhlh;ghd ghJfhg;G Fwpj;J fzf;F itg;ghsUf;F
ehk; toq;Fk; tpjpfs; kw;Wk; VNjDk; epahakhd mwpTWj;jy;fs; my;yJ
ghpe;Jiufis fzf;F itg;ghsh; thrpj;J> Ghpe;Jnfhz;L> Vw;Wnfhs;tJld;
mtw;wpw;Fg; gzpe;J elf;fTk; Ntz;Lk;. ,iza tiyj;jsj;jpd; gpujhd
gf;fj;jpYk; gadh; topfhl;bapYk; jug;gl;Ls;s “xd;iyd; ghJfhg;G”
tpguq;fspy; mlq;fpAs;s ghJfhg;Gg; ghpe;JiufSk; mtw;wpy; mlq;Fk;.
fzf;F itg;ghshpd; fzdp kw;Wk; njhlh;ghly; mikg;Gf;fspy; Nrkpj;J
itf;fg;gl;Ls;s jfty;fs; kw;Wk; Nritfspd; gad;ghL njhlh;ghd
ghJfhg;G xOq;Ffis mikg;gJk; NgZtJk; fpukkhd Kiwapy; kPsha;T
nra;tJk; jdJ nghWg;ghFk; vd;gijf; fzf;F itg;ghsh;
Vw;Wf;nfhs;fpwhh;. Fwpg;ghf> fzf;F itg;ghsh; jdJ flTr;nrhw;fs;>
ghJfhg;Gr; rhjdq;fs;> NritfSf;fhd mZFtop vd;gd Fwpj;J
mtjhdkhf ,Uf;f Ntz;Lk;.
9.2 fzf;F itg;ghsh; PIB ghJfhg;G mk;rq;fisg; ghPl;rpj;Jg; ghh;j;Js;sjhfTk;
PIB Nritfisg; gad;gLj;Jtjpy; jdJ Njitfis

9.4 fzf;F itg;ghsh; jkJ flTr;nrhw;fs;> ghJfhg;Gr; rhjdq;fs;> b[pl;ly;
rhd;wpjo;fs; vd;gtw;iw vy;yh NtisfspYk; ghJfhg;ghfTk;
,ufrpakhfTk; itj;jpUg;gJld;> mtw;wpd; mDkjpaw;w ghtidiaj;
jLg;gjw;Fk; eltbf;if vLf;f Ntz;Lk;. mth; ,J njhlh;ghf
gpd;tUtdtw;iwf; iff;nfhs;s Ntz;Lk;:
9.4.1 flTr;nrhw;fis kw;wth;fs; Ghpe;Jnfhs;sf;$ba tpjj;jpy; vOjp
itf;fNth NtW topapy; gjpe;J itf;fNth $lhJ.
9.4.2 flTr;nrhw;fis HSBC Copah;fs; kw;Wk; fzf;F xUq;fpizg;Gr;
Nritia toq;Fk; %d;whk; jug;gpdh; cl;gl;l NtW vtUf;Fk;
njhptpf;ff; $lhJ.
9.4.3 flTr;nrhw;fs; njhlh;ghf vk;kplkpUe;J fpilf;Fk; VNjDk;
njhlh;ghly;fis cldbahf mopj;JtplTk;.
9.4.4 ,yFthf Cfpf;ff;$ba flTr;nrhw;fisg; gad;gLj;Jtijj;
jtph;f;f Ntz;Lk;.
9.4.5 %d;whtJ jug;gpdh; cq;fsJ flTr;nrhw;fis mwpe;Jtpl;lhh;fs;
my;yJ gad;gLj;Jfpwhh;fs; vd;Nwh my;yJ cq;fsJ ghJfhg;Gr;
rhjdj;ij mth;fs; gad;gLj;Jfpwhh;fs; vd;Nwh ek;gpdhy;>
cldbahf mJ gw;wp vkf;F mwptpf;f Ntz;Lk;.
9.4.6 cq;fs; gadh; IDI my;yJ flTr;nrhw;fis jd;dpaf;fkhfr;
Nrkpj;J itf;Fk; VNjDk; nkd;nghUspy; (cjhuzk;: VNjDk;
fzdpj; jpiu Prompt my;yJ ,izaj;js cyhtpapy; (browser)
cs;s ‘save password’ rpwg;gk;rk;) xUNghJk; gjpTnra;a Ntz;lhk;.
9.4.7 Nritfisg; gad;gLj;Jtjw;F ePq;fs; mOj;Jk; Key board
nghj;jjhd;fs; vit vd;gij ghh;f;f my;yJ FWtl;l
njhiyf;fhl;rp fkuh %yk; mtjhdpf;f vtUf;Fk; ,lkspf;f
Ntz;lhk;.
9.4.8 cq;fs; flTr;nrhw;fis fpukkhd Kiwapy; (cjh: 30 jpdq;fSf;F
xU jlit) khw;Wq;fs;. flTr;nrhw;fis khwpkhwpg; gad;gLj;j
Ntz;lhk;.
9.4.9 gadh; IDI vy;yh NtisfspYk; ghJfhg;ghf itj;jpUq;fs;.
9.4.10 Vida ,iza tiyj;jsq;fs; njhlh;gpy; gad;gLj;Jk; mNj
flTr;nrhy;iyg; gad;gLj;j Ntz;lhk;. .
9.4.11 cq;fs; ghJfhg;Gr; rhjdj;Jld; NtnwhUth; njhlh;gpid Vw;gLj;j
,lkspf;Fk; tpjj;jpy; cq;fs; ghJfhg;Gr; rhjdj;ij xOq;fikg;Gr;
nra;a Ntz;lhk;.
18

9.4.12 cq;fs; ghJfhg;Gr; rhjdj;ij NtnwhUth; jd;trkhf;f> jdJ
fl;Lg;ghl;bw;Fs; nfhz;Ltu my;yJ gad;gLj;j xUNghJk; ,lkspf;f
Ntz;lhk;.
9.5 fzf;F itg;ghsh; ,r; NritfSf;fhf tiyj;jsj;jpy; gpuNtrpj;j (log on
nra;j) gpd;dh;> jhk; gad;gLj;jpa Nritia mg;gbNa tpl;Ltpl;L
fzdpapypUe;J mfyf; $lhJ. NritfspypUe;J Kw;whf log off nra;Ak;
tiu mf; fzdpiag; ghtpf;f ,d;DnkhUtUf;F ,lkspf;ff; $lhJ.
xt;nthU mkh;tpd; gpd;Gk; NritfspypUe;J Kiwg;gb log off nra;tJ
fzf;F itg;ghshpd; nghWg;ghFk;.
9.6 fzf;F itg;ghsh; Nghy ebj;J> fzf;F itg;ghsh; gad;gLj;Jk;
Nritfis mtjhdpf;f my;yJ gpujpgz;z my;yJ Nritfisg;
gad;gLj;j NtW vtUf;Fk; tha;g;G ,Uf;fhJ vd;gij ed;F
cWjpg;gLj;Jk;; tiu> Local Area Network (“LAN”) my;yJ VNjDk; gfpuq;f
,izaj;js rhjdj;Jld; my;yJ mZfy; ];jhdj;Jld; ,izf;fg;gl;l
xU fzdpapypUe;J fzf;F itg;ghsh; ,r; Nritfisg; gad;gLj;jf;
$lhJ.
9.7 gpd;tUk; tplaq;fs; ,lk;ngWk; gl;rj;jpy;> fzf;F itg;ghsh; jdJ
n`hl;iyd; %yk; cldbahfTk; mjd; gpd; Nehpy; te;Jk; vkf;F
mwptpf;f Ntz;Lk;:
9.7.1 VNjDk; Nritfspd; mDkjpaw;w ghtid my;yJ mDkjpaw;w
nfhLf;fy; thq;fy; my;yJ mwpTWj;jy; ,lk;ngw;Ws;sjhf fzf;F
itg;ghsh; mwpatUjy; my;yJ re;Njfg;gLjy;.
9.7.2 jdJ flTr;nrhy; ,d;DnkhUtUf;Fj; njhpe;Jtpl;lJ vd;Nwh
my;yJ jdJ ghJfhg;Gr; rhjdj;ijg; gad;gLj;Jk; tha;g;G
,d;DnkhUtUf;Ff; fpilj;Jtpl;lJ vd;Nwh fzf;F itg;ghsh;
mwpatUjy; my;yJ re;Njfg;gLjy;. fzf;F itg;ghshpd; ghJfhg;G
njhlh;ghd ,j;jifa kPwy;fs; ,lk;ngw;why; my;yJ ,lk;ngw;wjhfr;
re;Njfpf;fg;gl;lhy;> fzf;F itg;ghsh; jdJ flTr;nrhy;iy
(ghJfhg;Gf; FwpaPL jtpu) cldbahf khw;wp> Kw;wpYk; Gjpa
xd;iwg; gad;gLj;j Ntz;Lk;.
19

9.8 Nritfspd; VNjDk; mDkjpaw;w ghtid kw;Wk;/my;yJ mDkjpapd;wpr;
nraw;gLj;jg;gl;l VNjDk; mwpTWj;jy;fs; kw;Wk;/my;yJ xU %d;whk;
jug;gpw;F flTr;nrhw;fs; njhpe;Jtpl;lnjd;w re;Njfk; gw;wp fzf;F
itg;ghsh; tq;fpf;F mwptpj;j gpd;dh;> fzf;F itg;ghsh; VNjDk;
Nkhrbapy; mj;jifa
mjpfhukw;w ghtidfs; my;yJ mwpTWj;jy;fspd; nghWg;gpypUe;J fzf;F
itg;ghsh; tpLtpf;fg;gLthh;.
9.9 VNjDk; ,og;Gf;fis kPl;gjw;Fk; cz;ikahd my;yJ cj;Njr ghJfhg;G
kPwy;fis milahsk; fhz;gjw;Fk; cjtp Nfhhp ehk; kw;Wk;/my;yJ
nghyprhh; tpLf;ff;$ba rfy epahakhd Ntz;LNfhs;fSf;Fk; cldbahfg;
gzpe;J elf;f fzf;F itg;ghsh; ,j;jhy; ,zq;Ffpd;whh;. ,og;Gf;fisj;
jLg;gjw;fhf my;yJ kPl;gjw;fhf fzf;F itg;ghsh;fs; gw;wpa my;yJ
fzf;F itg;ghshpd; fzf;Ffs; gw;wpa jfty;fis nghyprhUf;Fk;
mjpfhukspf;fg;gl;l Vida %d;whk; jug;GfSf;Fk; ehk; ntspaplf;$Lk;.
9.10 Nritfs; njhlh;ghfg; gad;gLj;jg;gLk; ,izaj;js cyhtpapd; (browser)
nraw;ghL kw;Wk; ghJfhg;gpw;F fzf;F itg;ghsNu KOg; nghWg;ghsp
vd;gijf; fzf;F itg;ghsh; Vw;Wf;nfhs;fpwhh;. mj;jifa cyhtpfspd;
toq;Feh;fspdhy; fhyj;jpw;Ff; fhyk; toq;fg;gLk; my;yJ
ghpe;Jiuf;fg;gLk; rfy ghJfhg;G ,izg;Gf;fisAk; cldbahfg;
ghtidf;Ff; nfhz;LtUtJk; fzf;F itg;ghshpd; nghWg;ghFk;.
10. fzf;F itg;ghshpd; nghWg;Gfs;
10.1 fzf;F itg;ghsh;fspdhy; Nritfs; gad;gLj;jg;gLjy; kw;Wk;/my;yJ
mj;jifa gad;gLj;jypd; %yk; VNjDk; jftiy my;yJ mwpf;ifiag;
ngWjy; vd;gtw;wpd; fhuzkhf my;yJ mit njhlh;ghf Vw;gLk; rfy
tpisTfSf;Fk; fzf;F itg;ghsNu KOg; nghWg;ghspahthh;.
10.2 fzf;F itg;ghsh; ,r; Nritfspd; VNjDnkhU gFjpia my;yJ ,iza
tiyj;jsq;fis my;yJ mtw;wpYs;s VNjDk; nkd;nghUis gFf;f>
Neh;khw;w> nkhopngah;f;f> khw;w> nghUj;jKilajhf;f> jpUj;jpaikf;f>
tphpTgLj;j> Nrh;f;f my;yJ ePf;fNth> VNjDk; jtwhd topapy;
20

ifahsNth> rl;l tpNuhjkhd my;yJ mDkjpaw;w Kiwapy; ghtpf;fNth
$lhJ. mt;thW nra;tjw;F KayTk; $lhJ.
10.3 fzf;F itg;ghsh; Nkhrbahf elg;gjhy; my;yJ mtuJ g+uz ftdaPdk;
fhuzkhf mDkjpaw;w nfhLf;fy; thq;fy;fs; ,lk;ngWkhapd; mjdhy;
Vw;glf;$ba rfy ,og;GfSf;Fk; (fzf;F itg;ghshpd; mDkjpapd;wp
Nkw;nfhs;sg;gl;l VNjDk; nfhLf;fy; thq;fy; njhiffSk; ,jpy; cl;gLk;)
fzf;F itg;ghsNu nghWg;ghspahthh;. ,e;j 10Mk; ruj;jpd; Nehf;fj;jpw;fhf>
g+uz ftdaPdk; vd;gJ 9Mk; ruj;jpy; Fwpg;gplg;gl;Ls;s Vw;ghLfs; cl;gl
,e;j tpjpfs; kw;Wk; epge;jidfspy; njhptpf;fg;gl;Ls;s VNjDk; ghJfhg;Gg;
nghWg;Gf;fis epiwNtw;wj; jtWtijAk; cs;slf;Fk;.
10.4 fzf;F itg;ghsh;> NkNy ruj;J 10.1> 10.2 kw;Wk;/my;yJ 10.3,d; fPo;;
nghWg;ghspahff; fUjg;gLk; mNj rkaj;jpy;> gpd;tUk; tplaq;fs; njhlh;gpy;
tq;fpf;Fk; HSBC FOkj;jpd; VNjDnkhU mq;fj;jth;> VNjDnkhU %d;whk;
jug;G> VNjDk; jfty; toq;Feh; kw;Wk; mtw;wpd; Copah;fSf;Fk;
,og;ngjph;fhg;G toq;fTk; mjidj; njhlh;r;rpahfg; NgzTk; ,zq;Ffpd;whh;:
10.4.1 ehk; Kfq;nfhLf;ff;$ba nghWg;Gfs;> chpikf; Nfhuy;fs;>
Nfhhpf;iffs;> ,og;Gfs;> Nrjq;fs; kw;Wk; rfy tpjkhd nryTfSk;
(KO ,og;ngjph;fhg;G mbg;gilapyhd rl;lf; fl;lzq;fSk; ,jpy;
cl;gLk;).
10.4.2 HSBC kw;Wk; HSBC FOkj;jpd; Xh; mq;fj;jth;> VNjDnkhU %d;whk;
jug;G> VNjDk; jfty; toq;Feh; kw;Wk; mtw;wpdJ Copah;fspd;
g+uz ftdaPdj;jpdhy; my;yJ Ntz;Lnkd;Nw ,iof;fg;gl;l
jtwpdhy; Vw;gl;l nghWg;Gf;fs; my;yJ rl;l eltbf;iffs; jtpu>
,r; Nritfis toq;Ftjd; njhlh;ghf my;yJ ,e;j tpjpfspd; fPo;
vkJ mjpfhuq;fisAk; chpikfisAk; gad;gLj;Jtjd; njhlh;ghf
vkf;F vjpuhff; nfhz;Ltug;glf;$ba rl;l eltbf;iffs; my;yJ
tof;Ffs;.
10.5 cs;ehl;L kw;Wk; ntspehl;L ehzaq;fSf;F ,ilapyhd nfhLf;fy;
thq;fy;fis Nkw;nfhs;Sk;NghJ> chpa xOq;FgLj;Jk; mikg;Gf;fspdhy;
tpjpf;fg;gl;l elg;gpYs;s gpukhzq;fSf;Ff; fzf;F itg;ghsh; fl;Lg;gl;L
elf;f Ntz;Lk;.
21

11. fzf;F itg;ghsh;fSf;fhd vkJ nghWg;Gfs;
11.1 Nritfspd; %yk; fzf;F itg;ghsh;fSf;F toq;fg;gLk; jfty;> vkJ
fzdp mikg;Gf;fspYs;s jftypd; rhpEl;gkhd gpujpgypg;ghfTk;> mj;
jfty; %d;whk; jug;nghd;wpdhy; toq;fg;gl;ljhf ,Ue;jhy;> me;j %d;whk;
jug;gplkpUe;J vkf;Ff; fpilj;j jftypd; rhpEl;gkhd gpujpgypg;ghfTk;
miktij cWjpg;gLj;j ehk; epahakhd Kaw;rpfis Nkw;nfhs;Nthk;. ,r;
Nritfs; %yk; toq;fg;gLk; rpy jfty;fs;> ifJwg;G my;yJ NtNwJk;
Vw;ghLfSf;F cl;gl;litahf ,izaj;jsq;fspy; my;yJ gadh;
topfhl;bapy; fhl;lg;glyhk;. fzf;F itg;ghsh;fs; mj;jifa jfty;fspy;
jq;fpapUf;Fk;NghJ> mj;jifa ifJwg;ig my;yJ Vw;ghLfisf;
ftdj;jpw;F vLj;Jf;nfhs;s Ntz;Lk;.
11.2 Nritfs; njhlh;ghd vkJ mikg;Gf;fs; ; Nghjpa ghJfhg;G xOq;FfSld;
nghUj;jg;gl;bUg;gijAk; nraw;ghl;L mikg;Gf;fspy; ,lh;fs;
fl;Lg;gLj;jg;gl;L Kfhik nra;ag;gLtijAk; cWjpg;gLj;Jtjd; %yk;>
,izaj;jsj;jpd; Clhf fzf;F itg;ghsUf;Fk; vkf;Fk; ,ilNa
,lk;ngWk; jfty; ghpkhw;wk; kw;Wk; njhlh;ghly;fspd; ghJfhg;ig
cWjpg;gLj;Jtjw;F ehk; epahakhd eilKiw eltbf;iffis vLg;Nghk;.
,e;j tplaj;jpy;> fhyj;jpw;Ff; fhyk; vkf;Fg; nghUj;jkhd VNjDk; rl;lk;>
tpjpfs;> gpukhzq;fs;> topfhl;Ljy;fs;> Rw;wwpf;iffs;> elj;ijf;
Nfhitfs;> elg;gpYs;s re;ij Kiwfs; vd;gd ftdj;jpw;F
vLj;Jf;nfhs;sg;gLk;.
11.3 vdpDk;> ,izaj;jsj;jpd; gfpuq;fj; jd;ik fhuzkhf> g+uz ghJfhg;ig
cj;juthjk; nra;a KbahJ vd;gijAk; mj;jifa mDg;gPl;L kw;Wk;
njhlh;ghly; KiwahdJ fzf;F itg;ghshpd; ,lh; nghWg;gpw;F mikaNt
Nkw;nfhs;sg;gLfpwJ vd;gijAk; fzf;F itg;ghsh; ,j;jhy;
Vw;Wf;nfhs;fpwhh;. fzf;F itg;ghsh; gpd;tUtdtw;iwAk; Vw;Wf;nfhs;fpwhh;:
11.3.1 ,izaj;jsj;jpd; Clhd jfty; mDg;gPL kw;Wk; njhlh;ghlypy;
Neu jhkjk; Vw;glyhk;.
11.3.2 Nritapd; Clhf toq;fg;gLk; jftypd; rhpEl;gk; my;yJ
jtwpd;ikf;F ehk; cj;juthjk; mspf;f khl;Nlhk;.
11.3.3 vkJ ftdaPdk; my;yJ Ntz;Lnkd;Nw ,iof;fg;gl;l jtwpdhy;
NeubahfTk; KOikahdTk; Vw;gl;l ,og;G my;yJ Nrjk; jtpu>
22

fzf;F itg;ghsh; ,r; Nritfisg; gad;gLj;Jtjd; tpisthf
mtuJ juT> nkd;nghUs;> fzdp> fzdp tiyaikg;Gfs;>
njhiyj;njhlh;Gfs; kw;Wk; cgfuzq;fSf;F Vw;gLk; VNjDk; ,og;G
kw;Wk; Nrjj;jpw;F ehk; nghWg;ghspfsy;y.
11.4 vkJ fl;Lg;ghl;bw;F mg;ghw;gl;l nghJ mikg;ghfpa ,izaj;jsj;jpd;
ClhfNt ,r; Nritfs; toq;fg;gLfpd;wd. MfNt> ,r; Nritfisg;
cgNahfpg;gjw;Fg; gad;gLj;Jk; VNjDk; fzdp my;yJ NtNwJk; rhjdk;
itu]; jhf;fj;jpw;F my;yJ NtNwJk; mopT my;yJ ,ila+WfSf;F
cs;shfhky; Nghjpa ghJfhg;G eltbf;iffis vLg;gJ fzf;F
itg;ghshpd; nghWg;ghFk;. fzf;F itg;ghshpd; fzdp td;nghUs;>
nkd;nghUs; my;yJ cgfuzj;ijg; ghjpf;ff;ff;$ba itu]; kw;Wk; mopT
VJf;fs; vJTk; jfty;fspy; my;yJ mwpf;iffspy; mlq;fpUf;fhJ
vd;gjw;F cj;juthjk; mspf;Fk; nghWg;G vk;ik my;yJ HSBC FOkj;jpd;
VNjDnkhU mq;fj;jtiu my;yJ VNjDk; %d;whk; jug;ig my;yJ jfty;
toq;Feiur; rhuhJ.
11.5 ehk; fzf;F itg;ghsUld; NtW tpjkhf ,zq;fpapUf;fhtpl;lhy;> gpd;tUk;
tplaq;fspy; vkf;F vt;tpj nghWg;Gk; fpilahJ vd;gij fzf;F
itg;ghsh; Vw;Wf;nfhs;fpwhh;:
11.5.1 ,izaj;jsq;fspd; my;yJ PIB Nritfspd; cgNahfk; njhlh;gpy;
VNjDk; Ntisapy; HSBC jtph;e;j NtnwhU jug;gpdhy; jahhpf;fg;gl;l
my;yJ toq;fg;gl;l ghJfhg;Gr; rhjdq;fs; cs;spl;l VNjDk;
cgfuzq;fs;> nkd;nghUs;fs; my;yJ njhlh;Gila gadh;
Mtzq;fs;.
11.5.2 fzf;F itg;ghsh; jdJ jdpg;gl;l NritfSf;fhf
,izaj;jsj;ij miltjw;Fg; gad;gLj;Jk; HSBC,d;
fl;Lg;ghl;by; ,y;yhj VNjDk; Nritfs;.
11.6 gpd;tUttw;wpd; fhuzkhf my;yJ mit njhlh;ghf Vw;gLk; tpisTfs;>
vkJ my;yJ HSBC FOk mq;fj;jth; xUthpd; my;yJ xU %d;whk;
jug;gpd; my;yJ jfty; toq;Fehpd; kw;Wk; mtw;wpd; Copah;fspd; g+uz
ftdaPdk; my;yJ Ntz;Lnkd;Nw ,iof;fg;gl;l jtW fhuzkhf Vw;gl;l
gl;rj;jpYk;> mj;jifa ftdaPdk; my;yJ jtWifapd; Neub tpisthd
23

,og;G kw;Wk; Nrjk; my;yJ chpa nfhLf;fy; thq;fy; njhif (,tw;wpy;
vJ Fiwe;jNjh) vd;w mstpy; khj;jpuKk; cs;s nghWg;Gf;fisj; jtpu>
fzf;F itg;ghsUf;Nfh my;yJ Ntnwe;j egUf;FNkh Vw;gLk; ,og;G
my;yJ Nrjj;jpw;F vk;ik my;yJ HSBC FOk mq;fj;jth; xUtiu my;yJ
xU %d;whk; jug;ig my;yJ jfty; toq;Feiu kw;Wk; mtw;wpd;
Copah;fis nghWg;ghspahf;f KbahJ:
11.6.1 VNjDk; gadh; ID kw;Wk;/my;yJ flTr;nrhw;fs; njhlh;ghd VNjDk;
mwptpj;jy;fs; mDg;gPL nra;ag;gLk; topapy; VNjDk; mDkjpaw;w
egUf;Fj; njhpe;JtpLjy;.
11.6.2 ,e;j tpjpfs; kw;Wk; epge;jidfspd; VNjDk; Vw;ghLfs; fzf;F
itg;ghshpdhy; kPwg;gLjy; my;yJ ,r; Nritfisg;
gad;gLj;Jtjpy; mth; Nghjpa ftdj;ijr; nrYj;jj; jtWfpd;wik.
11.6.3 ehk; cz;ikahd ek;gpf;ifapd; mbg;gilapy; nraw;gLk;NghJ>
VNjDk; mwpTWj;jypd; Nghpy; (mJ fzf;F itg;ghshpdhy;
mjpfhuk; mspf;fg;gl;ljhfNth mspf;fg;glhjjhfNth ,Uf;fyhk;)
my;yJ VNjDk; mwpTWj;jiyj; jtwhf tpsq;fpf;nfhz;ljd; Nghpy;
vLf;Fk; eltbf;iffs;.
11.6.4 ,r; Nritfis toq;Ftjpy;> Nrit njhlh;ghd mwpTWj;jy;fis
my;yJ jfty;fis mDg;gPL nra;tjpy; my;yJ ,iza
tiyj;jsq;fSld; njhlh;ig Vw;gLj;Jtjpy;> vkJ fl;Lg;ghl;bw;F
mg;ghw;gl;l VNjDk; nray;fs;> tpLgLiffs; my;yJ #o;epiyfs;
fhuzkhf Vw;glf;$ba Jz;bg;G> ,ilaPL> ,ilepWj;jk;> jhkjk;>
,og;G> fpilahik> rpijT my;yJ NtNwJk; jtWiffs;. VNjDk;
njhlh;ghly; tiyaikg;gpd; jtWif> %d;whk; jug;nghd;wpd; nray;
my;yJ tpLgLif> kpd;rhu ,og;G> cgfuzq;fspd; nraypog;G>
NfhshW my;yJ Nghjhik> nghUj;Jif my;yJ trjpfs; my;yJ
VNjDk; rl;lq;fs;> tpjpfs;> gpukhzq;fs;> newpf; Nfhitfs;>
gzpg;Giufs;> xOq;FgLj;jy; topfhl;Ljy;fs; my;yJ murhq;ff;
fl;lisfs; (mit rl;l tY cs;sitahf my;yJ mw;witahf
,Uf;fyhk;) fhuzkhfTk; ,e;j epiyik Vw;gl;bUf;fyhk;. Mdhy;>
,j;jifa epiyikfspd;NghJ> fzf;F itg;ghsh; ,e;j tpjpfs;
kw;Wk; epge;jidfspy; jug;gl;Ls;s n`hl;iyd; Clhf vkf;F
mwptpg;gjd; %yk; jdf;F Vw;gLk; ,og;igf; Fiwj;Jf;nfhs;s
KbAk;.
11.6.5 VNjDnkhU njhlh;ghly; tiyaikg;G toq;Fehpd; VNjDk;
mikg;gpy;> cgfuzj;jpy; my;yJ fUtpapy; my;yJ mtw;wpd;
24

Clhf> ,r; Nritfs; njhlh;ghd fzf;F itg;ghshpd; jfty;fs;
kw;Wk;/my;yJ juTfis mDg;gPL nra;jy; kw;Wk;/my;yJ Nrkpj;J
itj;jy;.
11.6.6 nfhLfld; jfty; gzpafk; cs;spl;l VNjDk; %d;whk; jug;gpw;F
fzf;F itg;ghshpd; jfty;fis ntspg;gLj;Jjy;.
11.6.7 fzf;F itg;ghshpd; jfty;fs; jtwhf> jg;ghf my;yJ gpioahf
mwpf;ifaplg;gl;ljhf ,Uj;jy;. ,J gpd;tUk; topfspy;
,lk;ngw;wjhfTk; ,Uf;fyhk;:
- vkJ my;yJ HSBC FOk mq;fj;jth; xUthpd;> %d;whk;
jug;nghd;wpd; my;yJ vkJ/mth;fspd; Copah;fspd; tpLgLif>
gpioahd mwpf;ifaply;> ftdaPdk; (g+uz ftdaPdk; my;y)
my;yJ jtW (Ntz;Lnkd;Nw nra;ag;gl;l jtW my;y);
- VNjDk; njhopy;El;g> fzdp td;nghUs; my;yJ nkd;nghUs;
jtWiffs; ;
- Jz;bg;Gfs;> jtWjy;fs; my;yJ itu];;
- VNjDk; Gjpa jftiy my;yJ khw;wq;fisf; fzf;F
itg;ghsUf;F mwptpg;gjpy; ,lk;ngw;w jhkjk;;
11.6.8 fzf;F itg;ghsh; gw;wp VNjDk; %d;whk; jug;gplKs;s jtwhd>
jg;ghd my;yJ gpioahf mwpf;ifaplg;gl;l jftypy; fzf;F
itg;ghsh; jq;fpapUj;jy;.
11.7 VNjDk; jw;nrayhd> Neubaw;w> tpNrl> tpisthd my;yJ cjhuzkhd
Nrjq;fSf;fhf> ve;jr; re;jh;g;gj;jpYk; ehk; my;yJ HSBC FOk mq;fj;jth;
xUth; my;yJ xU %d;whk; jug;G my;yJ VNjDk; jfty; Nrit
toq;Feh;> fzf;F itg;ghsUf;Nfh my;yJ Ntnwe;j egUf;FNkh
nghWg;ghspahf ,Uf;f Ntz;bajpy;iy. ,j;jifa Nrjk; VNjDk; ghtid>
tUkhd> ,yhg my;yJ Nrkpg;G ,og;ghfTk; ,Uf;fyhk;.
12. ghJfhg;Gr; rhjdk;
12.1 fzf;F itg;ghsUf;F ehk; toq;Fk; ghJfhg;Gr; rhjdk;> Njitahd
Ntisapy; PIB Nritfisg; gad;gLj;Jtjw;F ,lkspf;Fk; Kiwapy;
nraw;gLtij cWjpg;gLj;j ehk; rfy epahakhd Kaw;rpfisAk;
Nkw;nfhs;Nthk;.
25

12.2 ghJfhg;Gr; rhjdk; rhpahfr; nraw;glhtpl;lhy;> fzf;F itg;ghsh; mJ gw;wp
cldbahf tq;fpf;F mwptpf;f Ntz;Lk;. mj;jifa re;jh;g;gj;jpy;> khw;wPlhf
Gjpa ghJfhg;Gr; rhjdk; xd;iw fzf;F itg;ghsUf;F ,ytrkhf
toq;FtJ kl;LNk tq;fpapd; nghWg;ghFk;. vdpDk;> ,J gpd;tUk;
epge;jidfSf;F cl;gl;ljhf ,Uf;Fk;:
12.2.1 gOjile;j ghJfhg;Gr; rhjdk;> mJ toq;fg;gl;l 90 jpdq;fSf;Fs;>
tq;fpf;F kPsf; ifaspf;fg;gl Ntz;Lk;.
12.2.2. ghJfhg;Gr; rhjdk; rhpahfr; nraw;glhikf;F> fzf;F itg;ghshpd;
jtW my;yJ ftdaPdk; fhuzky;y vd;gijapl;L tq;fp
jpUg;jpaila Ntz;Lk;. ruj;J 12.3,y; njhptpf;fg;gl;Ls;sijj; jtpu>
,g; ghJfhg;Gr; rhjdk; njhlh;ghf VNjDk; ghJfhg;Gr; rhjdj;jpd;
jpUg;jpfukhd juk;> tzpfj;jd;ik kw;Wk; jFjp gw;wpa VNjDk;
cl;fpilahd epge;jidapd; kPwYf;fhd nghWg;G cl;gl Ntnwe;jg;
nghWg;Gk; tq;fpf;F fpilahJ. mj;Jld;> tq;fpapd; mwpTWj;jy;fs;
kw;Wk; ghpe;JiufSf;F mikthfg; ghJfhg;Gr; rhjdj;ij
itj;jpUg;gjw;F kw;Wk;/my;yJ gad;gLj;Jtjw;F fzf;F itg;ghsh;
jtWtjhy; fzf;F itg;ghsUf;F Vw;glf;$ba VNjDk; ,og;G
my;yJ Nrjq;fSf;Fk; tq;fpiag; nghWg;ghspahf;f KbahJ.
12.3 VNjDk; ghJfhg;Gr; rhjdj;jpd; jpUg;jpfukhd juk;> tzpfj;jd;ik kw;Wk;
jFjp gw;wpa VNjDk; cl;fpilahd epge;jidapd; kPwYf;F ehk;
nghWg;ghspahf khl;Nlhk;.
12.4 fzf;F itg;ghshpd; ghJfhg;Gr; rhjdg; ghtidapd; tpisthf my;yJ
njhlh;ghf> Neubahf my;yJ Neubaw;w Kiwapy; fzf;F itg;ghsUf;F
Vw;glf;$ba VNjDk; ,og;G my;yJ Nrjq;fSf;F ehk; nghWg;ghspahf
khl;Nlhk;.
13. kPj;njhLg;G tiyj;jsq;fs;
13.1 Vida HSBC FOk mq;fj;jth;fspd; tiyj;jsq;fs; cs;spl;l Vida
egh;fspd; tiyj;jsq;fspy; gpuNtrpf;Fk; kPj;njhLg;G trjpia> ,izaj;jpd;
tiyj;jsq;fs; fzf;F itg;ghsUf;F toq;ff;$Lk;.
13.2 kPj;njhLf;fg;gl;l tiyj;jsq;fs; fzf;F itg;ghshpd; epahahjpf;fg;
gpuNjrj;jpy; VNjDk; xOq;F Kiwahd ghJfhg;ig toq;fhjpUf;fyhk;.
MfNt> fzf;F itg;ghsh;fspd; kPj;njhL tiyj;jsg; ghtidfSf;F ehk;
26

nghWg;ghspay;y. kPj;njhL tiyj;jsq;fisg; gad;gLj;JtjpYs;s rfy
,lh;fisAk; nghWg;Gf;fisAk; fzf;F itg;ghsNu Vw;f Ntz;Lk;.
kPj;njhL tiyj;jsq;fspd; Clhf HSBC FOkj;jpd; Vida epWtdq;fSf;F
my;yJ %d;whk; jug;GfSf;F VNjDk; jdpg;gl;l jfty;fis mDg;Gtjw;F
Kd; mj;jifa tiyj;jsq;fspd; me;juq;fj; jd;ik gw;wpa nfhs;if
mwpf;iffis thrpf;Fk;gb fzf;F itg;ghsh;fSf;F ehk; MNyhrid
$Wfpd;Nwhk;.
13.3 ,izaj;jsq;fspypUe;J HSBC FOkj;ijr; Nruhj tiyj;jsq;fSf;F
Nkw;nfhs;sg;gLk; kPj;njhLg;Gfs;> ehk; mj;jifa %d;whk; jug;G
tiyj;jsq;fSf;F toq;fpa mq;fPfhukhf mika khl;lhJ.
14. Mf;fpNahDhpikfs;> th;j;jfr; rpd;dq;fs;> gpujpnaLj;jy;fs;
14.1 “HSBC” kw;Wk; “vz;Nfhz ,yr;rpid” vd;gd rh;tNjr hPjpahfg; gjpT
nra;ag;gl;l th;j;jfr; rpd;dq;fshFk;.
14.2 Nritfisg; ngWtjw;Ff; fzf;F itg;ghsh; gad;gLj;Jk;
,izaj;jsq;fs;> th;j;jfr; rpd;dq;fs; kw;Wk; ,izaj;jsq;fspD}lhfg;
gad;gLj;jg;gLk; Vida rhjdq;fs; vd;gtw;wpw;fhd chpikia itj;jpUf;f
HSBC mDkjpg;gj;jpuk; ngw;Ws;sJ. “HSBC”, “vz;Nfhz ,yr;rpid” kw;Wk;
vk;khy; jahhpf;fg;glf;$ba jfty;fs; kw;Wk; mwpf;iffs; vd;gdTk;
mtw;Ws; mlq;Fk;.
14.3 “HSBC” kw;Wk; “vz;Nfhz ,yr;rpid” vd;gdTk; jfty;fs;> mwpf;iffs;
kw;Wk; mtw;wpd; tbtikg;G> njhFg;G Kiw> Njh;T> mikg;G Kiw>
toq;fy; Kiw ($l;lhf ‘,ufrpaj; jfty;’ vdg;gLk;) vd;gd> th;j;jf
,ufrpaq;fs; kw;Wk; ,ufrpaj; jfty;fs; vd;gJld;> tq;fpapdJk; chpa
jfty; toq;Feh;fspdJk; nrhj;JhpikfshFk; vd;gij fzf;F itg;ghsh;
xg;Gf;nfhz;L> mjw;F cld;gLfpd;whh;. jfty;fisAk; mwpf;iffisAk;
miltjw;F epge;jidfspd; gpufhuk; toq;fg;gl;Ls;s chpikfisj; jtpu>
Ntnwe;j chpikNah> jFjpNah fzf;F itg;ghsUf;Ff; fpilahJ.
mj;jifa chpik my;yJ jFjp jdf;F cz;nldf; fhl;Lk; tifapyhd
vt;tpj nraiyAk; my;yJ Kiwg;ghl;ilAk; fzf;F itg;ghsh;
Nkw;nfhs;sf; $lhJ.
27

14.4 tpjpfspd; gpufhuk; njspthf mDkjpf;fg;gl;lhyd;wp> gpd;tUk; nray;fis
Nkw;nfhs;tjw;Ff; fzf;F itg;ghsh; Kayf; $lhJ:
14.4.1 ve;jnthU ,ufrpaj; jftiyAk; ve;jnthU topapYk; ve;jnthU
tbtj;jpYk; NtnwhU egUf;F tpw;wy;> ifkhw;Wjy;> ntspapLjy;>
chpik khw;Wjy;> toq;Fjy;> Fj;jiff;F tpLjy;> cg
chpkkspj;jy;> gq;fspj;jy;> fldspj;jy;> tpepNahfpj;jy;> mDg;gPL
nra;jy;> xypgug;Gjy;> Nfgps; %yk; toq;Fjy;> Rw;wwpf;if %yk;
toq;Fjy;> lTz;Nyhl; nra;jy;> gpujpnaLj;jy; kw;Wk; Vida
topfspy; toq;FjYk; VNjDk; ,ufrpaj; jftiy th;j;jf hPjpapy;
gad;gLj;JjYk;.
14.4.2 ,ufrpaj; jfty;fspy; my;yJ mtw;Wld; fhzg;gLk; VNjDk;
jdpAhpkf; milahsf; FwpaPLfis (VNjDk; th;j;jfr; rpd;dq;fs;
my;yJ Mf;fpNahDhpik mwptpg;Gf;fs; vd;gdTk; cl;gLk;) VNjDk;
topapy; ePf;Fjy;> cUr;rpijT nra;jy;> mopj;jy;> ,lk;khw;Wjy;
kw;Wk; jphpGgLj;Jjy; my;yJ ,ufrpaj; jfty;fis NtNwJk;
njhlh;ghlYld; my;yJ mr;rplg;gl;l nghUs;fSld; Nrh;j;jy;
my;yJ xUq;fpizj;jy;.
14.5 jfty; toq;Feh; xUth; jd;dhy; toq;fg;gLk; jfty;fs; Fwpj;Jf;
fhyj;jpw;Ff; fhyk; tpjpfs; kw;Wk; epge;jidfis tpjpf;ff;$Lk;.
Kd;dwptpj;jy; toq;fg;gLtijg; nghWj;J> mj;jifa tpjpfs; kw;Wk;
epge;jidfs; eilKiwf;F te;j jpfjpapy; my;yJ mjw;Fg; gpd;dh;>
mj;jifa jftiy fzf;F itg;ghsh; gad;gLj;jpdhy; mth; me;j tpjpfs;
kw;Wk; epge;jidfis Vw;Wf;nfhz;lhh; vd;Nw fUjg;gLk;.
14.6 jfty;fSk; mwpf;iffSk; cjtpf;fhf kl;LNk toq;fg;gLfpd;wd. th;j;jf
my;yJ NtW Nehf;fq;fSf;fhf mit toq;fg;gLtjpy;iy. HSBCI my;yJ
VNjDnkhU jfty; toq;Feiu fzf;F itg;ghshpd; KjyPl;L
MNyhrfuhff; fUjf; $lhJ.
14.7 jfty;fs; kw;Wk;/my;yJ mwpf;iffs; njhlh;ghf vt;tpjkhd cj;juthjk;
my;yJ nghWg;Ngw;Gk; toq;fg;gl khl;lhJ> toq;fg;gLtjhff; fUjTk;
KbahJ. jfty;fspd; my;yJ mwpf;iffspd; xOq;F thpir> rhpEl;gk;>
cz;ikj; jd;ik> ek;gfj; jd;ik> NghJik> fhyf;nfL> g+uzj;Jk;
28

vd;gdTk; VNjDk; Nehf;fj;jpw;fhf mit nghUj;jkhditah ,y;iyah
vd;gJk; mj;jifa cj;juthjj;ij my;yJ nghWg;Ngw;ig toq;f vkJ
my;yJ jfty; toq;Fehpd; CopaUf;F my;yJ KftUf;F mjpfhuk;
cs;sjh vd;gJk; ,jpy; fUj;jpw;F vLj;Jf;nfhs;sg;gl khl;lhJ. fzf;F
itg;ghsh; my;yJ NtnwhU egh; ,j; jfty;fspy; my;yJ mwpf;iffspy;
VNjDk; topapy; jq;fpapUe;jhy;> ehk; my;yJ VNjDnkhU jfty; toq;Feh;
ve;j tpjj;jpYk; mjw;Fg; nghWg;ghspay;y.
vk;khy; toq;fg;glhj gz;lq;fs; kw;Wk; Nritfs; (fhg;GWjp kw;Wk; Adpl;
l;u];l; gz;lq;fSk; cs;slq;Fk;) njhlh;ghd jfty;fisg; nghWj;j
tiuapy;> mtw;wpy; jq;fpapUg;gjw;F Kd;dh;> mtw;iw toq;fpa
gz;lq;fs;/Nritfs; toq;Fehplk; tprhhpj;J cWjp nra;Jnfhs;tJ fzf;F
itg;ghshpd; nghWg;ghFk;. th;j;jf Nehf;fq;fSf;fhd re;ij tpiyfs;
kw;Wk; tPjq;fis jdJ toikahd th;j;jf Clfq;fspd; topahf
jhdhfNt tprhhpj;J mwptJk;> VNjDk; jftypy; my;yJ mwpf;ifapy;
jq;fpapUg;gjw;F Kd; mJ Fwpj;J Ch;[pjk; nra;Jnfhs;tJk;>
NritfspdJk; jfty;fs; kw;Wk; mwpf;iffspd; cgNahfk;> ,e;j tpjpfs;
kw;Wk; epge;jidfspd; gpufhuk; fzf;F itg;ghsiug; nghUj;jkhd
rl;lq;fspd; fl;Lg;ghl;bw;Fs; nfhz;Ltuf;$ba nfhLf;fy; thq;fy;fs;
vd;gd njhlh;ghf rl;l> thp kw;Wk; Vida tplaq;fspy; RahjPd epGzj;Jt
MNyhridiag; ngWtJk; fzf;F itg;ghshpd; nghWg;ghFk; vd;gijf;
fzf;F itg;ghsh; Vw;Wf;nfhs;fpwhh;.
14.8 jftyhdJ> jfty; toq;Fehpdhy; jug;gl;l kw;Wk; milahsk; fhl;lg;gl;l
KiwapNyNa ,iza tiyj;jsq;fspy; Kd;itf;fg;gLk;. VNjDk; jfty;
toq;Fehpdhy; toq;fg;gl;l VNjDk; jfty; njhlh;gpy; ehk; vt;tpj
xg;GjiyAk; fUj;ijAk; ntspapLtjpy;iy. mj;jifa jftiy tprhhpj;J>
Ch;[pjk; nra;Ak; nghWg;Gk; vkf;Ff; fpilahJ.
14.9 fzf;F itg;ghsh; jdJ ghtidf;fhf VNjDk; jftiy ,iza
tiyj;jsq;fspypUe;J lTz;Nyhl; nra;aTk; gpujpnaLf;fTk; mr;rplTk;
jw;fhypfkhfr; Nrkpj;J itf;fTk; khj;jpuNk mDkjpf;fg;gl;Ls;shh;. fzf;F
itg;ghsh; tq;fpaplkpUe;J vOj;J%y Kd;dDkjp ngwhj gl;rj;jpy;>
mj;jifa VNjDk; jftiy khw;Wtjw;F kw;Wk;/my;yJ J\;gpuNahfk;
nra;tjw;F ,lkspf;fg;gl khl;lhJ.
29

14.10 tq;fpapdhy; vOj;J%y mDkjp toq;fg;glhj gl;rj;jpy;> vkJ ,iza
tiyaj;jsq;fspd; VNjDnkhU gFjpiaahtJ NtW ,iza
tiyj;jsq;fspy; gad;gLj;j vtUf;Fk; ,lkspf;fg;gl khl;lhJ.
15. ,iza tiyj;jsq;fs; njhlh;ghd fl;lzq;fs;> Nkyjpf tpjpfs;>
khw;wq;fs; kw;Wk; KBTWj;Jif
15.1 Nritfspd; cgNahfk; kw;Wk;/my;yJ KbTWj;Jif njhlh;gpy;
fl;lzq;fis mwtplTk; mj;jifa fl;lzq;fspy; khw;wk; nra;aTk;
tq;fpf;F chpikAz;L;. ghJfhg;Gr; rhjdj;ij toq;Ftjw;fhd
fl;lznkd;iw tpjpf;Fk; chpikAk; ,jpy; mlq;Fk;. VNjDk; fl;lzk;
eilKiwf;F tUk; jpfjpf;F Kd;dh; tq;fp mJ gw;wp fzf;F
itg;ghsUf;F epahakhd Kd;dwptpj;jy; nfhLf;Fk;. mj; jpfjpapy; my;yJ
mjd; gpd;dh; fzf;F itg;ghsh; njhlh;e;Jk; Nritfisg; gad;gLj;jpdhy;>
mth; mf; fl;lzq;fSf;Ff; fl;Lg;gl;L elf;f Ntz;Lk;. tq;fpapdhy;
Fwpj;Jiuf;fg;gLk; KiwapYk; fhy ,ilntspfspYk; fl;lzq;fs; fzf;F
itg;ghshplkpUe;J Nrfhpf;fg;gLk;.
15.2 fzf;F itg;ghsh; Nritfisg; ngWtjw;Fg; gad;gLj;Jk; ,iza
tiyj;jsq;fs; vk;khy; khw;wk; nra;ag;glyhk;. fzf;F itg;ghsUf;F
Kd;dwptpj;jy; nfhLf;fg;gLk; vd;W ehk; Fwpg;ghf ,zq;fpapUf;fhtpl;lhy;>
mj;jifa khw;wq;fs; (mikg;G khw;wq;fs; cl;gl) fzf;F itg;ghsUf;F
Kd;dwptpj;jy; nfhLf;fhkNy Nkw;nfhs;sg;gLk;.
15.3 Nritfspd; rpwe;j nraw;ghl;Lf;Fj; Njitg;gLk; tpjj;jpy; ehk; tpjpfis
khw;wf;$Lk;. mt;thW nra;ag;gLk; khw;wq;fs;> ,iza tiyj;jsq;fs;
%yk; ntspaplg;gLk;. mj;jifa khw;wq;fs; fzf;F itg;ghsUf;F
mwptpf;fg;gl;l gpd;Gk; fzf;F itg;ghsh; ,iza tiyj;jsj;Jld;
njhlh;ig Vw;gLj;jpr; Nritfisg; gad;gLj;jpdhy;> mth; mj;jifa
khw;wq;fis Vw;Wf;nfhz;Ls;shh; vd;Nw fUjg;gLk;.
16. mjpfhukspg;G kw;Wk; ,og;ngjph;fhg;G
16.1 PIB eph;thfk; my;yJ Nritfs; njhlh;gpy; vOj;J %ykhd
mwpTWj;jy;fis my;yJ Ntz;LNfhs;fisr; nraw;gLj;JkhW fzf;F
itg;ghsh; fhyj;jpw;Ff; fhyk; tq;fpf;F Ntz;LNfhs;fisAk;
30

mjpfhukspg;Gf;fisAk; rkh;g;gpf;f KbAk;. ,j;jifa mwpTWj;jy;fs;
kw;Wk; Ntz;LNfhs;fspy; gpd;tUtdTk; mlq;fyhk;:
16.1.1 gpujhd ghtidahsiu ePf;Fjy; my;yJ gjpyPL nra;jy;
16.1.2 tpjpf;fg;gl;l cr;rtuk;Gfspy; khw;wk; nra;jy;
16.1.3 %d;whk; jug;GfSf;fhd nfhLg;gdTfisr; nraw;gLj;Jjy;
16.1.4 PIB my;yH PIB Nritfspd; njhlh;r;rpahd kw;Wk; xOq;F Kiwahd
nraw;ghl;il Cf;Ftpf;Fk; VNjDk; eltbf;ifia vLj;jy;
16.2 NkNy ruj;J 16.1,y; njhptpf;fg;gl;l VNjDk; vOj;J%y mwptpj;jy;
my;yJ Ntz;LNfhs;> /ngf;]; %yk; my;yJ NtNwJk; ,yj;jpudpay;
Clfj;jpd; %yk; mDg;gg;gLkhapd;> mJ njhlh;ghd eltbf;if vLg;gij
kWf;f vkf;F chpikAz;L. vdpDk;> ,J gw;wp fzf;F itg;ghsUf;F
mwptpf;f epahakhd Kaw;rpfis vLg;gjw;F ehk; ,zq;Ffpd;Nwhk;.
16.3 NkNy ruj;J 16.1,y; njhptpf;fg;gl;l l VNjDk; vOj;J%y mwptpj;jy;
my;yJ Ntz;LNfhs;> /ngf;]; %yk; my;yJ NtNwJk; ,yj;jpudpay;
Clfj;jpd; %yk; mDg;gg;gLk;NghJ> mt;twhd Clfj;jpd; %yk;
mDg;gg;gLk; mwpTWj;jy; my;yJ Ntz;LNfhis Vw;W> eltbf;if
vLg;gjw;F fzf;F itg;ghshpyhy; tq;fpf;F Kiwahd ,og;ngjph;fhg;G
toq;fg;glhj gl;rj;jpy;> mj;jifa mwpTWj;jy; my;yJ Ntz;LNfhs;
njhlh;gpy; eltbf;if vLf;f Ntz;ba flg;ghL vJTk; tq;fpf;Ff; fpilahJ
vd;gijf; fzf;F itg;ghsh; Vw;Wf;nfhs;fpwhh;. mj;Jld;> mjpfhuk;
mspf;fg;glhj my;yJ Nkhrbahd /ngf;]; nra;jp my;yJ ,yj;jpudpay;
njhlh;ghlypd; fhuzkhf fzf;F itg;ghsUf;F my;yJ VNjDnkhU
%d;whk; jug;gpw;F Vw;glf;$ba ,og;G my;yJ Nrjj;jpw;F ehk;
nghWg;ghspay;y vd;gij fzf;F itg;ghsh; Vw;Wf;nfhs;fpwhh;. ,jd;
tpisthd VNjDk; chpikf; Nfhuy;fs; my;yJ Nfhhpf;iffSf;F vjpuhf
tq;fpf;Fg; g+uz ,og;ngjph;fhg;G toq;fTk; fzf;F itg;ghsh;
,zq;Ffpd;whh;.
16.4 ruj;J 16.1,d; gpufhuk; VNjDk; topapy; toq;fg;gl;l vOj;J%y
mwpTWj;jy;fSf;F mikthf eltbf;if vLf;Fk;NghJ ,lk;ngWk;
jhkjj;jpdhy; Vw;gLk; VNjDk; ,og;GfSf;Fk; ehk; nghWg;ghspahf
khl;Nlhk;.
31

17. ,yj;jpudpay; Clf tpsk;guq;fs;
ehk; fhyj;jpw;Ff; fhyk; vkJ kw;Wk; Vida HSBC FOk fk;gdpfspd;
gz;lq;fs; kw;Wk; Nritfs; njhlh;ghfTk; %d;whk; jug;Gf;fspd; gz;lq;fs;
kw;Wk; Nritfs; njhlh;ghfTk; vkJ ,iza tiyj;jsq;fspy; my;yJ
Nritfs; Clhf tpsk;guk; nra;af;$Lk;. VNjDk; re;ijg;gLj;jy;
tplaq;fis mDg;g Ntz;lhnkd fzf;F itg;ghsh; Ntz;LNfhs;
tpLj;jhy; (my;yJ vjph;fhyj;jpy; mt;thW nra;jhy;)> mj;jifa
jilahdJ ,e;j ,yj;jpudpay; tpsk;guq;fSf;Fg; nghUe;jhJ vd;gijf;
fzf;F itg;ghsh; Vw;Wf;nfhs;fpwhh;. ,iza tiyj;jsq;fs;
kw;Wk;/my;yJ Nritfisg; gad;gLj;Jk;NghJ mj;jifa tpsk;guq;fisg;
ngWtjw;F mth; rk;kjpf;f Ntz;Lk;.
18. kiwFwpahf;fk; kw;Wk; itu];fs;
HSBC mjpAah;e;j kl;lj;jpyhd kiwFwpahf;fj;ijg; gad;gLj;JfpwJ
vd;gijf; fzf;F itg;ghsh; njhpe;epUf;f Ntz;Lk;. mj;jifa kl;lj;jpyhd
kiwFwpahf;fj;jpd; cgNahfk;> ,yq;iff;F ntspapyhd epahahjpf;fg;
gpuNjrq;fspy; rl;ltpNuhjkhf ,Uf;ff;$Lk;. Nritfspd;; ghtid mg;
gpuNjrq;fspd; cs;ehl;Lr; rl;lj;jpdhy; mDkjpf;fg;gLtij
cWjpg;gLj;JtJ fzf;F itg;ghshpd; nghWg;ghFk;. mj;jifa
epahahjpf;fg; gpuNjrq;fspy; Nritfisg; gad;gLj;j Kbahj
fhuzj;jpdhy; fzf;F itg;ghsUf;F Vw;glf;$ba VNjDk; ,og;G my;yJ
Nrjj;jpw;F ehk; nghWg;ghspahf khl;Nlhk;.
19. KbTWj;Jif
19.1 ve;jnthU jug;Gk; kw;iwa jug;gpw;F Kd;dwptpj;jy; nfhLf;fhkYk; fhuzk;
njhptpf;fhkYk; ,e;j xg;ge;jj;ij KbTWj;j> VNjDk; Nritia my;yJ
KOr; NritfisAk; my;yJ fzf;F itg;ghsh;fspdhy; mit
gad;gLj;jg;gLtij ,ilepWj;j kw;Wk;/my;yJ KbTWj;j KbAk;.
19.2. kW jug;G ,e;j xg;ge;jj;jpd; Vw;ghLfis kPwpdhy; my;yJ VNjDk;
nghUj;jkhd rl;lq;fspd; fPo; fld; jPh;f;f tifaw;w epiyia mile;jhy;>
mj; jug;gpw;F Kd;dwptpj;jy; nfhLj;Jtpl;L ,e;j xg;ge;jj;jij cldbahf
KbTWj;j ve;jnthU jug;gpw;Fk; chpikAz;L.
32

19.3. KbTWj;jy; nra;ag;gl;l jpfjp tiu ve;jnthU jug;gpw;Fk; chpadthf
,Ue;j chpikfs; kw;Wk; epthuzq;fs; KbTWj;Jifapdhy; ghjpf;fg;gl
khl;lhJ. KbTWj;Jifapd; gpd;G nry;YgbahFk; Nehf;fj;Jld; ,e;j
xg;ge;jj;jpy; Fwpg;gplg;gl;Ls;s VNjDk; Vw;ghLfSk; ghjpf;fg;glhJ.
19.4 VNjDk; fhuzj;jpw;fhf ,e;j xg;ge;jk; KbTWj;jg;gLkhapd;> mjw;Fg;
gpd;dh; ,r; Nritfspd; my;yJ mikg;Gf;fspd; ghJfhg;Gf;F my;yJ
NtNwJk; Nritfspd; ghJfhg;Gf;F tpisit Vw;gLj;Jk; ve;jr; nraYk;
fzf;F itg;ghshpdhy;> mtuJ Copahpdhy;> Kfthpdhy; my;yJ
gpujpepjpapdhy; Nkw;nfhs;sg;gl khl;lhJ vd;gij fzf;F itg;ghsh;
cWjpg;gLj;j Ntz;Lk;.
19.5 ,e;j xg;ge;jk; KbTWj;Jif nra;ag;gl;lhYk;> mjd; Vw;ghLfspdhy;
fUjg;gl;l Nehf;fq;fs; nraw;gLj;jg;gLtjw;fhf> njhlh;e;Jk;
eilKiwapYk; tYTs;sjhfTk; ,Uf;Fk;. xg;ge;jk; KbTWj;Jif
nra;ag;gl;lhYk;> ,dpNky; nra;ag;gLtjw;F my;yJ epiwNtw;wg;gLtjw;F
vQ;rpAs;s VNjDk; flg;ghLfs; my;yJ nghWg;Gfs; rk;ge;jg;gl;l kl;by;>
rfy jug;Gf;fSk; njhlh;e;J ,e;j xg;ge;jj;jpw;Ff; fl;Lg;gl;L elf;f
Ntz;Lk;.
20. jtph;f;f Kbahj #o;epiy
ve;jnthU jug;Gk; jdJ epahakhd fl;Lg;ghl;bw;F mg;ghw;gl;l
#o;epiyfspdhy; ,e;j xg;ge;jj;jpd; fPohd VNjDk; flg;ghl;il
epiwNtw;wj; jtwpdhy; my;yJ jhkjpj;jhy;> mjw;fhf mj; jug;igg;
nghWg;ghspahf;f KbahJ. ,j;jifa #o;epiyfSs; njhiyj;njhlh;G>
juTj; njhlh;ghly; kw;Wk; fzdp mikg;Gf;fspYk; mtw;wpd; NritfspYk;
Vw;gLk; jtWif> NfhshW> nraypog;G> Aj;jk;> rptpy; Fog;gk;> murhq;f
eltbf;if> Ntiy epWj;jq;fs;> fjtilg;Gfs; my;yJ Vida njhopy;rhh;
eltbf;iffs; my;yJ th;j;jfg; gpzf;Ffs; (,Ujug;Gf;fspd; xd;wpdJ
my;yJ xU %d;whk; jug;gpd; Copah;fs; rk;ge;jg;gl;ljhf ,Uf;fyhk;)
vd;gd cs;slq;Fk;. ,e;j tifapy; Vw;gLk; VNjDk; jhkjk; my;yJ
jtWif> ,e;j xg;ge;jj;jpd; kPWifahff; fUjg;gl khl;lhJ. jilg;gl;l
flg;ghl;il epiwNtw;Wtjw;fhd fhy mtfhrk;> #o;epiyapd; epahaj;
jd;ikf;Nfw;g ePbf;fg;gLk;.
33

21. Kftufq;fs;> mwptpj;jy;fs; kw;Wk; ,og;ngjph;fhg;G
21.1 Nritfspy; xU gFjpia my;yJ KOtijAk; toq;Ftjw;F ehk; ve;j
NtisapYk; xU Kfiu my;yJ gy Kfth;fis epakpf;ff;$Lk;. mj;jif
Kfth;fs; “ehk;”> “vk;ik”> “vkJ” vd;Wk; Fwpg;gplg;glyhk;. mj;jifa
jug;gpdh; ,e;j xg;ge;jj;jpYs;s VNjDk; Vw;ghLfspd; mD$yj;ijf;
nfhz;Ls;shh;fs; vd;gijf; fzf;F itg;ghsh; Vw;Wf;nfhs;fpwhh;.
21.2 ,e;j tpjpfSf;F mikthf tpLf;fg;gLk; xt;nthU mwptpj;jypd; tif
njhlh;ghfTk;> mwptpj;jypd; tbtikg;G (mJ vOj;J %ykhdjhf my;yJ
NtW tpjkhdjhf ,Uf;fyhk;)> njhlh;ghly; topKiw vd;gd Fwpj;J
fhyj;jpw;Ff; fhyk; Fwpj;Jiuf;f vkf;F chpikAz;L.
21.3 ,e;j xg;ge;jj;jpd; fPo; vk;khy; fzf;F itg;ghsUf;F toq;fg;gLk; rfy
mwptpj;jy;fSk; mwpTiufSk; vOj;jpy; my;yJ ,r; Nritfs; %ykhd
,yj;jpudpay; Kiwapy; toq;fg;glyhk;. gpd;tUk; Neuq;fspy; mj;jifa
rfy mwptpj;jy;fSk; fzf;F itg;ghsUf;Ff; fpilj;Jtpl;ljhff;
fUjg;gLk;:
21.3.1 Neub tpepNahfj;ijg; nghWj;jtiuapy;> Neubahff; ifaspf;fg;gl;l
Neuk; my;yJ fzf;F itg;ghshpdhy; filrpahff; nfhLf;fg;gl;l
Kfthpapy; tpl;Lr;nry;yg;gl;l Neuk;. mj;jifa mwptpj;jy;fs; kw;Wk;
mwpTiufs; gpd;G jpUg;gp mDg;gl;bUe;jhYk; mJ ftdj;jpw;
nfhs;sg;gl khl;lhJ.
21.3.2 jghypy; mDg;gg;gLtjhapd;> fzf;F itg;ghshpdhy; filrpahff;
nfhLf;fg;gl;l Kfthpf;Fj; jghypy; mDg;gg;gl;l jpdj;jpypUe;J 5
ehl;fs;. mj;jifa mwptpj;jy;fs; kw;Wk; mwpTiufs; gpd;G jpUg;gp
mDg;gl;bUe;jhYk; mJ ftdj;jpw; nfhs;sg;gl khl;lhJ.
21.3.3 kpd;dQ;ry; %yk; mDg;gg;gLtjhapd;> fzf;F itg;ghshpdhy; vkf;F
toq;fg;gl;l kpd;dQ;ry; Kfthpf;F mDg;gg;gl;l clNdNa.
21.3.4 PIB Nritfspd; Clhf mDg;gg;gLk; kpd;dQ;ryhapd;> mj;jifa
nra;jp vk;khy; mDg;gg;gl;l clNdNa.
21.3.5 ,iza tiyj;jsj;jpy; fhl;rp kw;Wk;/my;yJ tpsk;guj;jpd; Clhf
mwptpf;fg;gLkhapd;> mt;thW mwptpf;fg;gl;l clNdNa.
21.3.6 FWe;jfty; Nrit (SMS) %ynkdpd;> tq;fpapy; gjpT nra;ag;gl;Ls;s
thbf;ifahshpd; ifalf;fj; njhiyNgrp ,yf;fj;jpw;F mDg;gg;gl;l
clNdNa.
34

21.4 mwptpj;jy; toq;Ftjw;fhd Kiw vJntd tpjpfs;> ifJwg;G> ,iza
,ufrpaj;jd;ik mwpf;if> ,iza tiyj;jsk; vd;gtw;wpy; tpNrlkhff;
Fwpj;Jiuf;fg;glhtpbd;> fzf;F itg;ghshpdhy; HSBCf;F toq;fg;gLk; rfy
mwptpj;jy;fSk; njhlh;ghly;fSk; (vk;Kld; itj;jpUf;Fk; VNjDk;
fzf;if my;yJ fzf;Ffis %Ltjw;fhd mwpTWj;jy;fSk; cl;gLk;)
vOj;J tbtj;jpy; vkf;Fj; jghy; %yk; mDg;gg;gl Ntz;Lk; my;yJ
Nehpy; ifaspf;fg;gl Ntz;Lk;.
21.5 tq;fpAldhd njhlh;ghly;fis ifalf;fj; njhiyNgrp kw;Wk;/my;yJ
kpd;dQ;ry; %yk; Nkw;nfhs;tjw;F Vw;ghL nra;J> mjw;fhd mjpfhukspg;ig
tq;fpf;F toq;fpapUe;jhy;> mj;jifa mwpTWj;jypd; tpisthf my;yJ
mjd; njhlh;ghf tq;fp Kfq;nfhLf;ff;$ba ,og;Gf;fs;> chpikf;
Nfhuy;fs;> rl;l eltbf;iffs;> tof;Ffs;> Nfhhpf;iffs;> Nrjq;fs;>
nryTfs; midj;jpw;F vjpuhfTk; fzf;F itg;ghsh; vt;tpj jaf;fKkpd;wp
tq;fpf;F ,og;ngjph;fhg;G toq;f ,j;jhy; ,zq;Ffpd;whh;.
22. ,yj;jpudpay; %ykhd tpguf;$w;W kw;Wk; mwpTiufs;
22.1 fzf;F itg;ghsh;> fzf;F tpguf;$w;W (“e-Statement”), mwpTiufs; (“eadvices”)
vd;gtw;iw ,r; Nritfspd; fPo; ,yj;jpudpay; tbtj;jpy; ngWthh;.
toikahf> tq;fpapd; gjpNtl;bYs;s fzf;F itg;ghshpd; fbjj; njhlh;G
Kfthpf;Ff; fhfpjj;jpy; mDg;gg;gLk; fzf;F tpguf;$w;Wfs; kw;Wk;/my;yJ
mwpTiufs; tq;fpapdhy; mDg;gg;gl khl;lh. ,t;thrfj;jpd; Vw;ghLfs;
vt;thwpUg;gpDk;> tq;fpahdJ fzf;Ff; $w;Wf;fis mj;Jld;/ my;yJ
NtnwitNaDk; mwptpj;jy;fis cUg;gbahd fhfpj tbtj;jpy;>
tq;fpAld; filrpahfg; gjpag;gl;l fzf;Fitj;jpUg;gtupd;/ fzf;F
itj;jpUg;gtu;fspd; Kftupf;F fpukkhd mQ;rypy; xg;gilg;gjw;fhd
cupikiaj; jdf;nfd;W xJf;fp itf;fpd;wJld; mjd; jdpj; jw;Wzpgpy;
mt;thW mDg;gyhk;.
22.2 tq;fpahdJ fzf;F itg;ghshpd; PIB fzf;fpw;F ,yj;jpudpay; tpguf;$w;iw
mDg;Gk;NghJ> mJ gw;wp mtUf;F mwptpg;gjw;fhd nra;jpnahd;W fzf;F
itg;ghshpd; PIB fzf;fpw;Fk; mtuhy; mjpfhukspf;fg;gl;l kpd;dQ;ry;
35

Kfthpf;Fk; mDg;gg;gLk;. ,e;j mwptpg;Gr; nra;jp jtwhky; fpilg;gij
cWjpg;gLj;Jtjw;fhf> fzf;F itg;ghsh; jdJ kpd;dQ;ry; Kfthpapy;
Vw;gLk; khw;wq;fis mt;tg;NghJ tq;fpf;Fj; njhptpf;f Ntz;Lk;.
22.3 ,yj;jpudpay; tpguf;$w;W fpilj;j clNd> my;yJ fl;lhakhf 20
ehl;fSf;Fs;> fzf;F itg;ghsh; me;j tpguf;$w;wpYs;s gjpTfisf;
ftdkhfg; ghprPyid nra;J> mtw;iwj; jd;dplKs;s gjpTfSld;
xg;GNehf;fp> VNjDk; jtW> tpLgLif kw;Wk; Nkhrb my;yJ mDkjpaw;w
nfhLf;fy; thq;fy; Nghd;w VNjDk; KiwNfL my;yJ NtNwJk;
Ml;Nrgid (nghJthf> “fzf;F KiwNfLfs;” vdg;gLk;) ,Ue;jhy;>
cldbahf vOj;J %yk; (“kPsha;T”) tq;fpapd; ftdj;jpw;Ff; nfhz;Ltu
Ntz;Lk;. Fwpg;gpl;l kPsha;Tf; fhyj;jpDs; fzf;F itg;ghsh; tq;fpf;F
vjidAk; mwptpf;fhtpl;lhy;> ,yj;jpudpay; tpguf;$w;wpy; fhl;lg;gl;Ls;s
fzf;F kPjpAk; VNjDk; fzf;F KiwNfLfs; cs;spl;l rfy gjpTfs;
rhpahdit> g+uzj;Jtkhdit> fzf;F itg;ghsiuf; fl;Lg;gLj;Jgit
vd;W nfhs;sg;gLk;. ,g; gphpTf;F mikthff; fzf;F itg;ghshpdhy;
mwptpj;jy; nfhLf;fg;gl;l nfhLf;fy; thq;fy;fs; jtpu> kpfr; rkPgj;jpa
,yj;jpudpay; tpguf;$w;Wj; jpfjp tiu ,lk;ngw;w nfhLf;fy; thq;fy;fs;
njhlh;ghd rfy nghWg;Gf;fspypUe;Jk; tq;fp tpLtpf;fg;gLk;.
22.4 NtNwhhplj;jpy; njhptpf;fg;gl;Ls;s vjph;tpistpw;F Nkyjpfkhf> fzf;F
itg;ghsh; NkNy 22.3Mk; gphptpy; Fwpg;gplg;gl;Ls;s jdJ flikfSf;F
mike;J elf;fj; jtWthuhapd;> mtuJ elj;ij my;yJ jtWifapd;
fhuzkhf VNjDk; ,og;G (tq;fpf;F Vw;gLk; kw;Wk;/my;yJ tq;fpf;F
vjpuhff; nfhz;Ltug;gLk; thpfs;> mwtPLfs;> mguhjq;fs;> fl;lzq;fs;>
njz;lq;fs; cs;spl;l rfy ,og;GfSk;) Vw;gLkhapd;>; mJ njhlh;gpy;
fzf;F itg;ghsUf;fhd vt;tpj nghWg;Gk; tq;fpf;Ff; fpilahJ vd;gij
fzf;F itg;ghsh; Vw;Wf;nfhs;fpwhh;. ,yj;jpudpay; tpguf;$w;wpd; kPsha;T
,e;j xg;ge;jj;jpy; Njitg;gLj;jg;gl;Ls;s fhyg;gFjpf;Fs;
Nkw;nfhs;sg;glhtpl;lhy;> mjdhy; fzf;fpw;F Vw;gLk; ,og;ghdJ> ,e;j
xg;ge;jj;jpw;F mikthf ,uj;jpudpay; tpguf;$w;W my;yJ nfhLf;fy;
thq;fy; gjpTfs; kPsha;T nra;ag;gl;L VNjDk; jtW my;yJ tpLgLif
fz;Lgpbf;fg;gl;ljw;Fg; gpd; Vw;gl;l ,og;gpd; msthff; fUjg;gLk; vd;gij
fzf;F itg;ghsh; Vw;Wf;nfhs;fpwhh;. tq;fpapd; g+uz ftdaPdj;jpdhy;
my;yJ Ntz;Lnkd;Nw Nkw;nfhs;sg;gl;l jtwhd nraypd; Neub
tpisthff; fzf;F itg;ghshpd; fzf;fpypUe;J jtwhf my;yJ
jtWjyhf kPsg;ngWg;gl;l gpujhd njhif khj;jpuNk tq;fpapdhy; fzf;F
36

itg;ghsUf;Fj; jpUg;gpf; nfhLf;f Ntz;ba mjpfgl;r nghWg;ghFk;
vd;gijf; fzf;F itg;ghsh; xg;Gf;nfhs;fpwhh;.
22.5 ,yj;jpudpay; tpguf;$w;Wfs;> toq;fg;gl;l jpfjpapypUe;J MW (06)
khjq;fs; tiu ,y; fpilf;Fk;. fzf;F itg;ghsh; nghUj;jkhdnjhU
kiwFwpaPl;L Kiwapd; ghJfhg;Gld; mjidg; gjptpwf;fk;
nra;Jnfhs;syhk;.
22.6 fhfpjj;jpy; mr;rplg;gl;l tpguf;$w;Wf;fs; kw;Wk;/my;yJ mwpTiufis
Nritapd; Clhf jkf;F mDg;gp itf;Fk;gb fzf;F itg;ghsh;fs;
Ntz;LNfhs; tpLf;fyhk;.
23. ehdhtpj tplaq;fs;
23.1 ,e;j xg;ge;jk;> Nritfspd; ghtid njhlh;ghf rk;ge;jg;gl;l
jug;Gf;fSf;fpilNa nra;Jnfhs;sg;gLk; jdpnahU g+uz xg;ge;jkhFk;.
Nritfs; njhlh;ghf fzf;F itg;ghsUf;Fk; ,ilNa ,jw;F Kd;dh;
,lk;ngw;wpUf;ff;$ba xg;ge;jq;fs;> njhlh;ghly;fs;> vLj;Jiug;Gf;fs;>
ciuahly;fs; Mfpa midj;ijAk; ,J tpQ;rp epw;fpd;wJ. VNjDk; Nkhrb
,lk;ngw;wpUe;jhyd;wp> ,r; Nritfs; njhlh;ghd VNjDk; Kd;ida
xg;ge;jq;fs;> njhlh;ghly;fs;> vLj;Jiug;Gf;fs; kw;Wk; ciuahly;fspd;
mbg;gilapy; ve;jnthU jug;Gk; kw;iwa jug;gpw;F vjpuhf eltbf;if
vLf;f KbahJ. tq;fpf;Fk; fzf;F itg;ghsUf;Fk; ,ilapyhd Vida
xg;ge;jq;fs; kw;Wk;/my;yJ fzf;F itg;ghshpd; fzf;ifr; nraw;gLj;Jjy;
njhlh;ghd mjpfhukspg;Gf;fs; njhlh;e;Jk; ghjpf;fg;glhjpUf;Fk;.
23.2 $l;Lf; fzf;if/fzf;Ffisg; nghWj;jtiuapy;> $l;Lf; fzf;F
itg;gsh;fspy; vtNuDnkhUth; xg;ge;jj;jpypUe;J tpyFk; mwptpj;jiyr;
rkh;g;gpf;fhj tiu my;yJ $l;Lf; fzf;F itg;ghsh;fspy; vtNuDnkhUth;
kuzk; my;yJ NtW fhuzj;jpdhy; fzf;F itg;ghsuhf ,y;yhkw;NghFk;
tiu ,e;j xg;ge;jk; njhlh;e;J tYtpypUf;Fk;
23.3 rfy nghUj;jkhd epahahjpf;fg; gpuNjrq;fspYk; juTg; ghJfhg;G kw;Wk;
mJ Nghd;w Vida Nehf;fj;jpw;Fhpa rfy rl;lq;fSf;Fk; gzpe;J elf;f
HSBC ,zq;Ffpd;wJ.
37

23.4 ,e;j xg;ge;jj;jpYs;s xt;nthU epjpAk; xd;wpypUe;J xd;W jdpahfr;
nraw;glf;$baJ. VNjDnkhU tpjp my;yJ rpy tpjpfs; nraypoe;jhy;>
rl;ltpNuhjkhdhy; my;yJ eilKiwg;gLj;j Kbahjit MfpdhYk;>
vQ;rpa tpjpfs; mjdhy; vt;tpjj;jpYk; ghjpf;fg;gl khl;lhJ.
23.5 ,iza tiyj;jsq;fs; njhlh;gpy; fzf;F itg;ghsUf;F fUtpfSk;
Vida trjpfSk; (“fUtpfs;”) toq;fg;gLfpd;wd. mj;jifa fUtpfs;
Nritfspd; xU gFjpahf toq;fg;gLtjpy;iy. rk;ge;jg;gl;l fUtpfis
toq;Fk; HSBC FOk mq;fj;jth;fspdhNyNa mit toq;fg;gLfpd;wd.
fUtpfspd; toq;fyhdJ> mtw;wpw;Fg; nghUj;jkhd tpjpfs;> epge;jidfs;
kw;Wk; ifJwg;GfSf;F mikthditahf ,Uf;Fk;.
23.6 ,iza tiyj;jsq;fs; %yk; fzf;F itg;ghsh; nraw;gLj;Jk; VNjDk;
fzf;Ffs; njhlh;gpy; vkf;Fs;s vjphPL nra;Ak; chpikia my;yJ
xUq;fpizf;Fk; chpikia ,e;j xg;ge;jj;jpYs;s vJTk; ghjpf;fhJ.
23.7 PIB Clhf %d;whk; jug;gpw;fhd gz khw;w trjpiar; nraw;gLj;j
Ntz;Lkhapd;> fzf;F itg;ghsh; Kiwahff; ifnahg;gkplg;gl;l
vOj;J%y fbjk; xd;wpid tq;fpf;F toq;f Ntz;Lk;. 23 khjq;fisf;
nfhz;l njhlu;r;rpahdnthU fhyg;gFjpf;Fr; Nritfs; gad;gLj;jg;glhj
gl;rj;jpy;> %d;whe;jpwj;jtu; epjpf; ifkhw;Wif trjpahdJ>
fzf;Fitj;jpUg;gtUf;F/ fzf;Fitj;jpUg;gtu;fSf;F NkYk;
mwptpj;jypd;wp jhdhfNt ,y;yhjjhf;fg;gLk;.
23.8 fzf;F itg;ghsh; ntspehl;L ehzaf; nfhLf;fy; thq;fy;fisr;
nra;Ak;NghJ ,yq;if kj;jpa tq;fpapdhy; ntspaplg;gl;l ehzaf;
fl;Lg;ghLg; gpukhzq;fspdhy; fl;Lg;gLj;jg;gLthh;.
23.9 ehk; toq;Fk; Nritfs; Fwpj;J cq;fSf;Fg; g+uz jpUg;jp ,y;iynadpd;
my;yJ mr; Nritfs; cq;fs; Njitia
jaTnra;J ,ad;wsT tpiuthf gpd;tUk; xU topapy; vk;Kld;
njhlh;Gnfhs;Sq;fs;:
38

- + 94 114 511 566 vd;w thbf;ifahsh; jPh;Tfs; cldbj; njhiyNgrp
,yf;fj;jpd; Clhf
- customersolutions@hsbc.com.lk vd;w kpd;dQ;ry; Kfthp Clhf
- jghy; Kfthp:
thbf;ifahsh; Nrit Kfhikahsh;>
Efh;T tpepNahf kw;Wk; nry;t Kfhik>
HSBC epiyak;>
525> a+dpad; gpNs];>
nfhOk;G 02.
ePq;fs; Kd;itf;Fk; gpur;rpidfis cq;fSf;Fj; jpUg;jpaspf;Fk; tpjj;jpy;
jPh;j;Jitf;fNt ehk; vg;NghJk; tpUk;GfpNwhk;. vdpDk;> ePq;fs; epjpj;Jiw
Myhl;rp mjpfhhpapd; mYtyfj;Jld; njhlh;Gnfhz;L cq;fs; gpur;rpidf;F
epthuzk; Nfhuyhk;. Myhl;rp mjpfhhpapd; njhlh;G tpguq;fs; gpd;tUkhW:
epjpj;Jiw Myhl;rp mjpfhhpapd; mYtyfk; - ,yq;if> 143V> t[puh tPjp>
nfhOk;G 05.
njhiyNgrp: + 94 112 595 625
njhiyefy;: + 94 112 595 624
kpd;dQ;ry;: info@financialombudsman.lk
,izaj;jsk;: www.financialombudsman.lk
Nkyjpf tpguq;fSf;F www.hsbc.lk vd;w vkJ ,izaj;jsj;ij ehlTk;.
24. Ml;rpnra;Ak; rl;lk; kw;Wk; epahahjpf;fk;
24.1 NritfSk; ,e;j tpjpfSk; ,yq;if [dehaf Nrh\yprf; Fbaurpd;
rl;lq;fspdhy; Ml;rp nra;ag;gLtJld;> mtw;wpw;F mikthditahfTk;
mh;j;jk; nfhs;sg;gLk;.
24.2 tq;fp> fzf;F itg;ghsh; Mfpa ,Ujug;Gf;fSk; ,yq;if ePjpkd;wj;jpd;
tiuaiwaw;w epahahjpf;fj;jpw;Ff; fl;Lg;gl;L elf;f Ntz;Lk;. vdpDk;>
,e;j tpjpfs; kw;Wk; epge;jidfs; NtNwJk; jFjptha;e;j epahahjpf;fg;
gpuNjrq;fspd; ePjpkd;wq;fspYk; mKy; nra;ag;glyhk;.
25. Ml;rpnra;Ak; ciu
39

,e;j tpjpfs; rpq;fsk;> jkpo;> Mq;fpyk; Mfpa nkhopfspy; fpilf;fpd;wd.
rpq;fs> jkpo; kw;Wk; Mq;fpy gjpg;GfSf;fpilNa VNjDk; Kuz;ghL
fhzg;gbd;> Mq;fpyg; gjpg;Ng rhpahdjhff; nfhs;sg;gLk;.
26. fzf;F itg;ghshpd;/itg;ghsh;fspd gpufldk;
Nritfis Ml;rp nra;Ak; Nkw;Fwpg;gpl;l tpjpfs; kw;Wk; epge;jidfis
ehd;/ehk; thrpj;J> tpsq;fpf; nfhz;Ls;sjhfTk; mtw;wpw;F ,zq;FtjhfTk;
Ch;[pjk; nra;fpNwd;/nra;fpNwhk;.
fzf;F itg;ghsh;fs; ,e;j tpjpfs; kw;Wk; epge;jidfis
mr;rpl;Lf;nfhs;syhk; my;yJ PIB Nritfspd; “log on” gf;fj;jpy; fpilf;Fk;
tpjpfisg; gad;gLj;jyhk;.
40