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The Most Important Terms and Conditions mentioned herein below are an indicative list of terms and conditions of DLSL’s personal loan product. These terms and conditions are further described in our Loan Agreement under relevant sections / schedules and therefore, should be read in conjunction with those mentioned in the Loan Agreement. For an exhaustive list of terms and conditions of our personal loan product, please refer to the loan agreement available on mobile application or website or sent to you by DLSL on your registered email id.
Customer shall be provided with facility to lodge his grievances for redressal through specifically made e-mail id available on the website of company. DLSL have established a system where by access to the complaint handling process is made available free of charge to our customers.
If the customer wants to make a complaint, he/she shall be suitably advised as to
In the normal course of business, the Customer can reach DLSL either by visit to the nearest branch or by phone through our Helpline: 0124 6165722 (8AM to 8PM) or by e-mail to firstname.lastname@example.org, or lodge complaints by email to email@example.com
If the complainant is not satisfied with the reply provided by the customer care department, may escalate to his/her complaints to higher authority as below:
|FIRST LEVEL||Customers are requested to visit, call or write to the nearest branch of DLSL. Name of Branch Head: Contact details : Phone, email and full address:|
If not attended within 7 working days, lodge a complaint through customer help line no. 0124 616 5722 (8AM to 8PM)
Or send an email at firstname.lastname@example.org, or visit our website to lodge an online complaint,
Or Write to Head of Customer Care at: Dhani Loans & Services Limited., 4th Floor, Indiabulls Centre,
Tower-1, Senapati Bapat Marg, Elphinstone-West, Mumbai-400013.
If the complaint is not resolved satisfactorily within 15 working days, customer can contact our principal nodal officer at:
Mr. Sanjeev Kashyap
Indiabulls Consumer Finance Limited
ASF Towers, Tower A, Plot no 249 D and E Udyog Vihar, Phase IV Gurugram- 122016 (Haryana)
If the complaint is not redressed satisfactorily within 30 working days, customer may directly write to the office of Ombudsman of their respective region. Region wise contact details of Ombudsman are as under:
*Board of Directors/Committee of the Board shall periodically review grievance redress process as well as issue instructions in the matter so that customer gets expeditious and fair resolutions of his grievances.
Program Terms and Conditions - Dhani Credit Line
At Indiabulls Consumer Finance Limited(formerly IVL Finance Limited and Shivshakti Financial Services Limited), a company incorporated under the provisions of Companies Act, 1956, having our registered office at M-62&63, First Floor, Connaught Place, New Delhi – 110 001 and having corporate identity number U74899DL1994PLC062407, hereinafter referred to as “IBCFL”, we value your trust and respect your privacy.
II Personal Information
Personal Information, means and includes, all information that can be linked to a specific individual or to identity of any individual, including but not limited to, name, address, mailing address, telephone number, email ID, bank account details including details linked to credit/debit payment instruments, information about your mobile phone, any details that may have been voluntarily provided by the customer, whether to Unique Identification Authority of India (UIDAI), Credit Information Bureau of India Limited (CIBIL) or any other agency including any other Credit Information Companies.
Information obtained with consent from your mobile device like device location, device information (including storage, model, installed apps, wifi, mobile network) transactional and promotional SMS, communication information including contacts and call logs
III Use of Personal Information
We use personal information to provide you with personal loan you explicitly requested for, to resolve disputes, troubleshoot concerns, help promote safe services, assess your interest in our services, inform you about offers, products, services, updates, customize your experience, detect and protect us against errors, fraud and other criminal activity, enforce our terms and conditions, etc. We may also use your personal information to send you offers regarding various services/facilities which IBCFL or its group companies may, from time to time, launch. We may occasionally ask you to complete optional online surveys. These surveys may ask you for contact information and demographic information (like zip code, age, gender, etc.). We use this data to customize your experience at IBCFL.
We will not voluntarily disclose your personal information to any third party but in exceptional circumstances, we may do so if we are required by a court order, by Government Authorities, by law enforcement authorities or by other legal processes or where it becomes necessary to do so to protect the rights or property of IBCFL and/or its group companies/affiliates, etc. We may also disclose your information to a third party as part of a merger or transfer or any restructuring.
A “cookie” is a small piece of information stored by a web server on a web browser so it can be later read back from that browser. IBCFL uses cookie and tracking technology depending on the features offered.No personal information/ data/details will be collected via cookies and other tracking technology; however, if you previously provided personally identifiable information, cookies may be tied to such information. Aggregate cookie and tracking information may be shared with third parties.
VI Password policy
Do help us protect your privacy by maintaining the secrecy of the username and password you use for any of our Services.
VIII Consent To International Transfer Of Data
IX Data Retention
We take reasonable steps to ensure that information about you is available only for so long as is necessary for the purpose for which it is processed, or longer if required under any contract, by applicable law, or for statistical purposes, subject to appropriate safeguards.
X Third-Party Links And Content On Our Services
Our Services may link to third-party websites and services that are outside our control. Further, IBCFL, its group companies, its affiliates, and their directors and employees (“IBCFL Group”) accept no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential, punitive, or exemplary loss, damage or expenses) from your use of any mobile application or any site or inability to use by any party, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, omission, interruption, imperfection, fault, mistake or inaccuracy with any mobile or online application, its Contents (material, information, data, money market movements, news items, etc.) or associated services, or due to unavailability of any application or any part thereof or any Contents or associated services even if IBCFL Group are advised of the possibility of such damages, losses or expenses.
XI Intellectual Property Rights
Please note that IBCFL retains all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this web site (including all texts, graphics and logos).
Kindly note that IBCFL does not collect personal information about individuals except when such individuals specifically provide such information on a voluntary basis. Upon such voluntary disclosure of personal information, we may further verify, collate or receive information about you from publicly and commercially available sources (as permitted by law), which we may combine with other information we receive from you. We may also receive information about you from third-party social networking services if you are already connected with those services. IBCFL shall, at all times, ensure to implement reasonable security practices and procedures (such as managerial, operational, physical and technical) for the purpose of protection and safeguarding of your personal data and information as the same is of vital importance to IBCFL . At IBCFL, we are strongly committed to protecting the personal and financial information that you submit to us. Personal information of individual users will not be sold or otherwise transferred to unaffiliated third parties without your approval at the time of collection. However, please note that although we take reasonable steps to protect your information, no website, internet transmission, computer system or wireless connection is completely secure.
Your information/inputs/queries as a registered user are required to serve you better and the same shall not be shared with anyone without your consent. However, we may disclose your personal data to agents or contractors of IBCFL and/or its group companies/affiliates to enable processing of transactions or communications with you “on need” basis. Your aforesaid information may be further used for assessment and analysis of our market, customers, products, and services and to understand the way people use our Services so that we can improve them and develop new products and services. However, it shall be on the basis that the agents are required to keep the information confidential and will not use the information for any other purpose other than to carry out the services they are performing for IBCFL and/or its group companies/affiliates.
XIV No contractual obligation
This Agreement, sets forth the terms and conditions that apply to use of this site (www.dhani.com) and all sub sites that reside under the site (collectively "Indiabulls Sites"), by a Subscriber. "Subscriber" means each person who establishes or accesses a connection ("Account") for access to and use of the Indiabulls Sites.
Restrictions on use
The Indiabulls Sites are owned and operated by Indiabulls Financial Services Limited, an Indiabulls group company, and contains material which is derived, in whole or in part, from material supplied by the Company, its group companies, various news agencies and other sources (including content partners), and is protected by international copyright and trademark laws. The restrictions on use of the material and content on the Indiabulls Sites by the Subscriber are specified below. Except where specifically authorised, the Subscriber may not modify, copy, reproduce, republish, upload, post, transmit or distribute in any way any material from the Indiabulls Sites including code and software.
By using the Indiabulls Sites, Subscriber agrees to comply with all of the terms and conditions hereof. The right to use the Indiabulls Sites is personal to Subscriber and is not transferable to any other person or entity. Subscriber is responsible for all use of Subscriber's Account (under any screen name or password) and for ensuring that all use of Subscriber's Account complies fully with the provisions of this Agreement. Subscriber shall be responsible for protecting the confidentiality of Subscriber's password(s), if any.
TThe Company shall have the right at any time to change or discontinue any aspect or feature of Indiabulls Sites, including, but not limited to, content, hours of availability and equipment needed for access or use.
Changed Terms: The Company shall have the right at any time to change or modify the terms and conditions applicable to Subscriber's use of the Indiabulls Sites, or any part thereof, or to impose new conditions, including but not limited to, adding fees and charges for use. Such changes, modifications, additions or deletions shall be effective immediately upon notice thereof, which may be given by any means, including but not limited to, posting on the Indiabulls Site, or by electronic or conventional mail, or by any other means by which Subscriber obtains notice thereof. Any use of the Indiabulls Site by Subscriber after such notice shall be deemed to constitute acceptance by Subscriber of such changes, modifications or additions.
Subscriber shall be responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed for access to and use of the Indiabulls Sites and all charges related thereto.
Disclaimer of Warranty: Limitation of Liability
Subscriber expressly agrees that use of Indiabulls Sites is at Subscriber's sole risk. Neither the Company, its affiliates nor any of their respective employees, agents, third party content providers or licensors warrant that Indiabulls Sites will be uninterrupted or error free; nor do they make any warranty as to the results that may be obtained from use of Indiabulls Sites, or as to the accuracy, reliability or content of any information, service, or merchandise provided through Indiabulls Sites.
Indiabulls Sites is provided on an "As Is" basis without warranties of any kind, either express or implied, including, but not limited to, warranties of title or implied warranties of merchantability or fitness for a particular purpose, other than those warranties which are implied by and incapable of exclusion, restriction or modification under the laws applicable to this agreement.
This disclaimer of liability applies to any damages or injury, caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortious behavior, negligence, or under any other cause of action. In no event will the Company, or any person or entity involved in creating, producing or distributing Indiabulls Sites or the Indiabulls Sites software, be liable for any damages, including, without limitation, direct, indirect, incidental, special, consequential or punitive damages arising out of the use of or inability to use Indiabulls Sites. Subscriber hereby acknowledges that the provisions of this section shall apply to all content on Indiabulls Sites.
In addition to the terms set forth above neither the Company, nor its affiliates, information providers or content partners shall be liable regardless of the cause or duration, for any errors, inaccuracies, missions, or other defects in, or inauthenticity of, the information contained within Indiabulls Sites, or for any delay or interruption in the transmission thereof to the user, or for any claims or losses arising therefrom or occasioned thereby. None of the foregoing parties shall be liable for any third-party claims or losses of any nature, including, but not limited to, lost profits, punitive or consequential damages. The Company, its affiliates, information providers or content partners shall have no liability for investment decisions based on the information provided. Neither, the Company, nor its affiliates, information providers or content partners warrant or guarantee the timeliness, sequence, accuracy or completeness of any information.
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dhani Services Limited | CIN:
Registered Office: M-62 & 63, First Floor, Connaught Place, New Delhi-110001
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