Terms & Conditions

Website 
Before using this site, you should read the following important information relating to it. This information governs your use of this site and, by using
it, you agree to be bound by our terms. If you do not agree please exit this website immediately. The contents of this website, including these terms, are
subject to change by us without notice.

The products and services are not offered to any person or entity in any jurisdiction where the advertisement, offer or sale of such products and
services is restricted or prohibited by law or regulation or where any Hana Capital Ltd would be subjected to any registration or licensing requirement.

This website is designed to be accessed through its principal product home pages and such other pages as we may decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information which is relevant to a full understanding of our products and services. In addition to this Important Information page, you will be referred on certain site pages to read “Important Information”. These will
contain important product details and relevant legal or regulatory information and must be read together with the relevant site pages. All references on this website to Hana Capital are to Hana Capital Ltd unless stated to the contrary.

Registered Details
Hana Capital Ltd is registered in England No. 12851216

Registered office
128 City Road, London, United Kingdom, EC1V 2NX

Governing Law
This website shall be governed by and construed in accordance with English law and is subject to the exclusive jurisdiction of the English courts. The information, products and services referred to on this website are not directed at any person or entity in any jurisdiction or country outside those where services may lawfully be offered by Hana Capital Ltd and purchased by a visitor to this website.

No Liability
The information on this website is provided “as is” and has been compiled in good faith to provide information about Hana Capital and its products and services. It is believed to be correct, but we cannot guarantee the accuracy, timeliness, or completeness of any such information. Hana Capital shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on this website. Before acting on any information obtained from this website you should check it by calling Hana Capital Ltd’s office.

Products or offerings may be withdrawn or changed at any time without notice.

Nothing contained on this website constitutes investment, legal, tax or other advice and is not to be relied on in making an investment or other decision. You should obtain relevant and specific professional advice before making any investment decision.

Hana Capital reserve the right to modify, suspend, or discontinue this website or any part of it, with or without notice, at any time, and shall not be liable to
you or to any third party for any such modification, suspension or discontinuance of this website.

Hana Capital shall not be liable for any losses or damages of any kind arising out of your use or inability to use this website, or in connection with any error,
omission, or defect contained on this website. Furthermore, Hana Capital accepts no liability in respect of losses or damages arising out of changes
made to the content of this website by unauthorised third parties.

Access to and use of this website is at your sole risk and Hana Capital does not warrant that the use of this website or any material downloaded from it will
not cause damage to any property, including but not limited to loss of data or computer virus infection.

There is no exclusion of duties or liabilities under the Financial Services and Markets Act 2000, or any conduct of business rules which Hana Capital are bound
to comply with. There is no attempt to exclude liability for death, personal injury, or fraudulent misrepresentation.

No Offer

Nothing on this website should be construed as a solicitation or offer, or recommendation, to buy or sell securities or any other investment or banking product, or to provide any investment advice or service.

3rd Party Links This website contains hypertext links to other websites which are hosted and maintained by third parties and which are not, or may not be, regulated by the Financial Conduct Authority. When you activate any of these links you leave the Hana Capital website and we have no control over the content or security of any such site. You use such links entirely at your own risk and Hana Capital accept no responsibility or liability for the content, use, or availability of such websites or for any loss or damage, however arising, as a result of their use.

Data Protection Act 2018 Hana Capital is registered under the Data Protection Act 2018, Registration no. ZA935964 

(issued by Information Commissioner’s Office)

Home Loans
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. CHANGES IN THE EXCHANGE RATE MAY INCREASE THE STERLING EQUIVALENT OF YOUR DEBT.

Risk Warnings
Past performance is not necessarily a guide to future performance.

The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your original investment. Where

an investment involves exposure to a foreign currency, changes in rates of exchange may cause the value of the investment, and the income from it, to go

up or down. Any tax reliefs referred to on this website are those available under current legislation, which may change, and their availability and value will depend on your individual circumstances. In the case of some investments, you should be aware that there is no recognised market for them and that it may therefore be difficult for you to deal in them or to obtain reliable information about their value or the extent of the risks to which they are exposed.

Certain investments carry a higher degree of risk than others and are, therefore, unsuitable for some investors. Before contemplating any transaction, you should
consider whether you require financial advice, which we would be pleased to provide upon request.

US Residents
Investment services for residents of the USA can be provided. Please speak to your consultant for more information.

Copyright 
You may use information on this site for your own personal reference only. You may reproduce this information in hard copy solely for your personal use. The
information may not otherwise be reproduced, stored, distributed, or transmitted to any other person or incorporated in any way into another document or other material unless you first get our written permission.

Internet Monitoring
To maintain the security of its systems, protect its staff and detect fraud and other crimes, Hana Capital reserves the right to monitor all internet communications, including web and e-mail traffic, into and out of its domains. Such monitoring includes, but is not limited to, checks for viruses and other malignant code, criminal activity and use or content which breaches the Group’s internal policies. Hana Capital also reserves the right not to deliver any communication that breaches its internal policies.

Call Monitoring
Calls may be recorded.

The Financial Ombudsman Service provides a scheme for solving disputes in the mortgage industry where it cannot be solved in-house. We do not subscribe to
this scheme and so this will not be available to you.