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Personal Loans T&C

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.

  1. The sanction of loan amount and its terms and conditions are subject to execution of Loan Agreement and other documents and writings with Dhani Loans & Services Limited (formerly known as Indiabulls Consumer Finance Limited) (hereinafter referred to as “DLSL”). The terms and conditions of Loan Agreement and/or other documents will prevail upon this letter in case of any contradiction/conflict/difference. Further, the sanction of the personal loan facility, its tenure and terms and conditions are subject to DLSL’s internal review and evaluation and any disbursement of personal loan facility amount, its tenure and terms and conditions shall be subject to such sanction being approved from DLSL. The Borrower(s) can access their personal loan account details by logging into the Mobile application. The copy of statement of account can also be obtained on request from care_dhani@indiabulls.com
  2. This sanction shall be available to the Borrower(s) for a period of 30 days from date of this letter provided the Borrower(s) deposits with DLSL, the administrative charges/expenses/pre-determined expenses mentioned overleaf at the time of delivering the accepted copy of this letter to DLSL. The processing fees received are non-refundable. For details of the various fees and charges applicable, please refer website.
  3. DLSL shall be entitled to revoke the sanction and to add, to delete or modify all or any of the terms and conditions of the facility, interalia, if there is any material change in the purpose(s) of loan facility, if any information and/or statement given by Borrower(s) is found incorrect, incomplete or misleading, if there is breach of the terms and conditions of the facility, if any report/document is not found satisfactory, if the Borrower(s) does not submit duly accepted copy of this sanction letter to DLSL within stipulated period, etc. DLSL decision in respect of material changes shall be final and binding on the Borrower(s).
  4. Personal loan facility availed by the Borrower(s) from DLSL shall be used for the purpose stated in the Loan Agreement and shall not be used for speculative and/or capital market use and/or investments into any DLSL products and/or business end use purpose or prohibited/ antisocial purposes and/or purchase of gold/gold bullions/gold coins/gold jewellery/gold exchange traded funds/gold mutual funds. In the event that the personal loan availed by the Borrower(s) from DLSL has been used for purposes as prohibited above or as mentioned in the Loan Agreement, DLSL shall be entitled to do all act sand things that the DLSL may deem necessary to comply with its policies, including but not limited to liquidating Borrower(s) ‟holdings of investment sat that time. Further, the Borrower(s) shall bear all costs and expenses that DLSL may incur as a result thereof.
  5. Repayment of loan amount will be through instalments / EMI's comprising of principal and/or interest.
  6. Unless otherwise specified by DLSL from time to time, (a)interest shall accrue from the date of disbursement of the personal loan facility; (b) interest shall be computed on the basis of a year of three hundred and sixty (360) days and the actual number of days elapsed; (c) interest shall be computed on monthly rests or on such periodic rests as may be decided by DLSL from time to time; and (d) in case of any payment default on the Due Date(s), interest shall be compounded every month on the overdue amount.
  7. The prepayment of the loan shall be made and accepted as per policy and rules of DLSL and in accordance with statutory guidelines, issued from time to time and as applicable at the time of prepayment. Where there is no policy, rules and guideline then the prepayment fees and charges shall be applicable as per the terms of Loan Agreement and the mutually agreed prepayment charges, more particularly mentioned in the schedule of the Loan Agreement.
  8. The loan amount and terms sanctioned by DLSL besides all other terms and conditions, against applied amount and tenure is final and binding to the Borrower(s).
  9. Each of the events or circumstances set out herein is an Event of Default:
    1. Non-payment of principal or interest on the due dates.
    2. The Borrower(s) apply(ies) and/or utilize(s) the Loan(a) for such purposes which are not permitted under the Loan Agreement and/or (b) for any purpose which is considered and/or deemed to be unlawful, illegal or contravene the provisions of any applicable laws, rules and regulations.
    3. Any representation or statement made or repeated by the Borrower(s) in the Loan application, KYC verification or any other document under or in connection with availing of personal loan facility is incorrect or misleading in any respect when made or it is or becomes unlawful for the Borrower(s) to perform any of its obligations under the Loan Agreement.
    4. If the payment of any EMI is refused due to reason stop payment or account closed or the customer withdraws / revokes the payment mandate
  10. Default Interest If the Borrower(s) fails to pay any amount payable by it to DLSL under Loan Agreement, the Borrower(s) shall also be liable for payment of default interest (on the gross defaulted amounts in case of payment defaults and/or on the outstanding personal loan facility in case of other defaults/Event of Default) (“Default Interest”) at a default interest rate mentioned above (“Default Interest Rate”) or at such other rate as may be specified in the policy of DLSL from time to time and such Default Interest shall be payable for the period of default
  11. On and at any time after the occurrence of an Event of Default, DLSL may, with or without any notice to any of the borrower(s) and with or without the intervention of the court/arbitrator, cancel/recall the Loan whereupon the Borrower‟s dues shall become immediately repayable/payable
  12. DLSL is authorized to disclose, from time to time, any information relating to the loan to any credit bureau(existing or future) approved by Government of India and Reserve Bank of India Without any notice to the Borrower(s). DLSL is also authorized to make inquiries with the CIC (Credit Information Companies) and get the applicant’s Credit Information Report
  13. Recovery of over dues /Bad debts: It is duty of the Borrower(s) to repay loan amount with applicable interest along with all dues/charges/fees levied as per agreed terms of Loan Agreement. However, in the event of default in re payment of any of the above, DLSL reserves the right to recover over dues by resorting to legal & permissible means.
  14. COMPLAINTS AND GRIEVANCES
    1. Internal Procedures:
      1. Company shall endeavour to address/respond to all complaints and grievances within a reasonable time and keep the customers informed about the status of their complaints.
      2. Company shall make available facilities at each of its branches and offices for the customers to lodge and/or submit their complaints or grievances, if any.

        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

      3. All offices, branches shall display the office address, email id, fax no., phone no., etc. where a complaint can be made and designated authority to whom the complaint can be made. : How he/she can make a complaint i.e., phone, letter, fax, email, etc.

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 service_dhani@indiabulls.com, or lodge complaints by email to grievance_dhani@indiabulls.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:
SECOND LEVEL 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 grievance_dhani@indiabulls.com, 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.
Phone: 022-61891019,
Email: care_dhani@indiabulls.com
THIRD LEVEL 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)
Phone: 0124-6037111,
Email: nodal.ibcfl@indiabulls.com
FOURTH LEVEL

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:

S. No. Centre Address of the Office of NBFC Ombudsman Area of Operation
1. Chennai C/o Reserve Bank of India, Fort Glacis, Chennai 600 001
STD Code: 044
Telephone No : 25395964
Fax No: 25395488
Email: nbfcochennai@rbi.org.in 		Tamil Nadu, Andaman and Nicobar Islands, Karnataka, Andhra Pradesh, Telangana, Kerala, Union Territory of Lakshadweep and Union Territory of Puducherry
2. Mumbai C/o Reserve Bank of India RBI Byculla Office Building Opp. Mumbai Central Railway Station Byculla,
Mumbai-400 008
STD Code: 022
Telephone No: 23028140 Fax No : 23022024
Email: nbfcomumbai@rbi.org.in 		Maharashtra, Goa, Gujarat, Madhya Pradesh, Chhattisgarh, Union Territories of Dadra and Nagar Haveli, Daman and Diu
3. New Delhi C/o Reserve Bank of India Sansad Marg New Delhi -110001 STD Code: 011
Telephone No: 23724856
Fax No: 23725218-19
Email: nbfconewdelhi@rbi.org.in 		Delhi, Uttar Pradesh, Uttarakhand, Haryana, Punjab, Union Territory of Chandigarh, Himachal Pradesh, and Rajasthan and State of Jammu and Kashmir
4. Kolkata C/o Reserve Bank of India 15, Netaji Subhash Road Kolkata-700 001
STD Code: 033
Telephone No : 22304982
Fax No: 22305899
Email: nbfcokolkata@rbi.org.in 		West Bengal, Sikkim, Odisha, Assam, Arunachal Pradesh, Manipur, Meghalaya, Mizoram, Nagaland, Tripura, Bihar and Jharkhand

*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.

dhani Credit line T&C

Program Terms and Conditions - Dhani Credit Line

  • Dhani Credit Line is a virtual credit line product ("Product") offered by Dhani Loans & Services Limited, a registered non-banking financial company with Reserve Bank of India ("Dhani") under the brand name "Dhani" on Dhani mobile application or website or any other interface approved by Dhani("Platform"), to its select customers ("you"/ "your") that are approved and authenticated basis its internal policies and processes for offering loan products. All customers using the Platform and availing the Product are subject to these terms and conditions ("Terms").
  • Further in order to facilitate faster delivery of the Product to its customers and for transactions to be completed using the prepaid wallet, Dhani has partnered with TranServ Private Limited, a registered prepaid payment instruments operator with Reserve Bank of India ("TranServ"), which shall act as a prepaid wallet provider on behalf of Dhani through its mobile application and website www.dhanipay.in, under the brand name of "Dhani Pay" ("Dhani Pay Platform"). Your use of the Dhani Pay will be you deemed acceptance of these Terms and Dhani pay prepaid account Terms and conditions. You hereby give your free consent to Dhani to share your KYC details and documents with TranServ for the purpose of setting-up of Dhani Pay wallet as a full KYC prepaid account, and you undertake not to hold Dhani responsible for use of the information, data or documents provided by Dhani to Transerv. You understand that Transerv will verify your details and documents shared by Dhani before setting-up your Dhani Pay wallet. You also declare that the information provided above with respect to my account is up to date and correct. You agree and consent to Transerv collecting, storing, sharing and processing information (including sensitive personal information) related to you from or with our affiliates/group companies, or third parties/service providers for the purposes as set out in these Terms and for providing you with other offers and/or information. You hereby agree and acknowledge that Transerv shall have the sole and absolute discretion for (a) setting-up of your full KYC Dhani Pay prepaid account or (b) cessation/ suspension of the your Dhani Pay prepaid account.
  • You understand that the availing of the Product are contingent on your acceptance and continuous compliance with these Terms at all times, as well as the terms and conditions contained in the master terms and conditions between you and Dhani ("MTC"); the Privacy Policy, and other relevant documentation including any modifications, alterations or updates thereof that are published on the Platform. Your continued use of the Platform following the posting of changes to the Terms will be deemed your acceptance of those changes. You warrant that (i) you are at least 18 years of age; (ii) you possess the legal authority to create a binding legal obligation; (iii) you will use this Platform in accordance with the Terms; (iv) all information supplied by you on this Platform is true, accurate, current and complete. Dhani or TranServ retains the right at our sole and absolute discretion to deny access to anyone to the Platform and the services offered, at any time and for any reason, including, but not limited to, for violation of the Terms.
  • You understand and agree that the credit limit ("Credit Limit") provided under the Product are subject to Dhani sole discretion and internal criteria. You further understand that by choosing to avail the Product, you have availed a personal loan product from Dhani and shall alone be liable to Dhani for any default in the dues to be repaid by you to Dhani or any other breaches in the terms of the MTC. You also understand and agree that Dhani may at its sole and absolute discretion reduce and/or cancel the Credit Limit at any time, with or without prior notice and without assigning any reason to you including due to reasons deemed fit by Dhani and/or default by you on existing loan(s). You shall be bound by such reduction or cancellation in the Credit Limit and hereby confirm that Dhani shall not be liable to you or any person in any manner whatsoever on its decision to recall or reduce or cancel the loan limit.
  • Disbursement Request
    • Your application for the Product shall be processed as per the policies, standard practice of Dhani and the loan shall be deemed to have been disbursed once the loan amount or any part thereof is transferred from Dhani’ account to your Dhani Pay wallet. Following events, any one or a more, will be considered deemed valid as a "Disbursement Request" by you –
      • Instruction on Dhani Pay Platform for loading funds into your Dhani Pay wallet using the Product; or
      • Upon presenting Dhani Pay RuPay card at a merchant establishment (either online or offline) and in the event you do not have sufficient balance in Dhani Pay wallet to complete the transaction at the merchant establishment, then in that case, you give your unequivocal consent to TranServ to send a request to Dhani for drawing down the requisite amount from the Credit Limit into your Dhani Pay wallet. Pursuant to this, your Credit Limit will be reduced to the extent credit is availed. Aforesaid fulfilment of the Disbursement Request is subject to requisite criteria and availability of sufficient Credit Limit in your account; and
      • Such other event that may be added from time to time.
    • Upon receipt of a Disbursement Request, Dhani shall disburse (but not obligated unless satisfied) the loan directly to Dhani Pay wallet on behalf the customer availing the Product. The payment of outstanding amounts, interest charges, processing fee and any such charges on such disbursal of loan will be as per the MTC, also mentioned on Dhani Pay Platform.
    • All amounts disbursed in Dhani Pay wallet will be governed by the Terms and Conditions of Dhani pay prepaid account.
  • Dhani is running a special offer where customer will get 100% conversion of Dhani Cash to Real Cash on availing Instant Credit Line. The offer is valid till 15th September 2020.
  • You understand that the Product is available only for loading funds to the Dhani Pay wallet. This remains subject to modification by Dhani at all times.
  • You understand and accord your consent that by availing the Product, Dhani will be loading your Dhani Pay wallet on your behalf and extending a personal loan repayable in installments with interest and processing fee (as applicable). You will be liable to pay Dhani (and no other entity), the outstanding amounts due under the Product as per the payment schedule and the terms mentioned on the Platform or Dhani Pay Platform.
  • You understand and acknowledge that upon availing disbursement using Product, every instance of Disbursement Request shall be treated as a separate loan id issued on the respective date of disbursement.
  • You understand, acknowledge and provide your unequivocal consent to Dhani that in the event of failure to pay the outstanding amount by the due date, Dhani shall have the right to debit your bank account registered with them through Electronic National Automated Clearing House(e-NACH) or any other repayment option provided on the Dhani mobile app or Dhani Pay Platform. Any delay in payment may lead to cancellation/suspension of any further order(s) or activity or purchases or returns on the Platform, till such time that the outstanding amount is cleared by you.
  • You also agree and understand that the foreclosure charges applicable on the loan availed by you will be as Dhani’ prescribed rates under MTC.
  • Upon the occurrence of an event of default, the actions shall be initiated by Dhani as per the MTC. Also Dhani at its sole and absolute discretion will withdraw the Product availed by you– either partially or fully. You also authorize Dhani/TranServ to block your Dhani Pay wallet and utilize the fund available in Dhani Pay wallet towards recovering of the loan(s) availed by you.
  • You understand that in the event of any fraudulent or suspicious transactions under the Product, Dhani reserves the right to suspend/cancel the Credit Limit offered and take all actions it deems fit under law
  • You further agree and acknowledge that Dhani Pay Platform is a prepaid payment platform on which the Product if offered by Dhani. You shall not hold Dhani liable for any deficiency in service by TranServ in extending Dhani Pay wallet to you nor shall TranServ be liable for any default in payment or any other defaults by you to Dhani.
  • Upon providing your consent which will be obtained during the registration/application process, you understand that Dhani shall have the right to access and store the following: (i) your SMS; (ii) contact list in your directory; (iii) call history; (iv) location; and (v) device information to determine your eligibility and enhance your credit limit, if applicable. If you provide this consent, you accept that such information will be accessed by Dhani for checking your eligibility for the Product or for enhancing your credit limit under the Product. In the event that you do not provide Dhani with such consent to access such information, Dhani will not be able to access this information and therefore will not be able to check your eligibility and consequently, may not be able to grant/enhance your credit limit. Your contact information may also be shared with third party agencies, who shall be responsible for the collection of dues payable by you under the Product. In the event that you withdraw your consent to the use of this information in the future, Dhani will stop collection of such data but continue to store the data and use it for internal purposes to further improve its products/services.
  • Governing law and Jurisdiction:
    These Terms are governed by and shall be construed in accordance with the laws of India. The courts in New Delhi shall have exclusive jurisdiction in respect of any disputes arising out of or in connection with these Terms.
  • Disclaimer and No Warranties
    • The Platform and Dhani Pay Platform provide services on an "as is" and "as available" basis. The Platform and Dhani Pay Platform expressly disclaim all warranties of any kind as to the service and all information, products and other content (including that of third parties) included in or accessible from the service, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.
    • The Platform and Dhani Pay Platform makes no warranty that (i) the service will meet your requirements, (ii) the service will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the service will be accurate or reliable, (iv) the quality of any products, services, information, or other material purchased or obtained by you through the service will meet your expectations, or (v) any errors in the technology will be corrected.
  • Links to Other Websites
    The Platform and Dhani Pay Platform may contain links to third-party websites that are not owned or controlled by Dhani or TranServ. Neither Dhani nor TranServ has any control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites. By using the Platform and Dhani Pay Platform, you expressly relieve Dhani or TranServ from any and all liability arising from your use of any third-party website and Dhani or TranServ shall not be responsible or liable to anyone for such third party site, or any content, products or services made available on such a site. The content, accuracy, opinions expressed and other links provided by other third party sites are not verified, monitored or endorsed by Dhani or TranServ in any way. Dhani or TranServ does not make any warranties, and expressly disclaims all warranties express or implied, including without limitation, those of merchantability and fitness for a particular purpose, title or non-infringement with respect to any information or services or products that are available or advertised or sold through other third party websites.
  • Security
    Dhani and TranServ employs appropriate technical and organizational security measures at all times to protect the information Dhani and TranServ collect from you. The Platform and Dhani Pay Platform use multiple electronic, procedural, and physical security measures to protect against unauthorized or unlawful use or alteration of information, and against any accidental loss, destruction, or damage to information. However, no method of transmission over the internet, or method of electronic storage, is 100% secure. Therefore, Dhani or TranServ cannot guarantee its absolute security. Further, you are responsible for maintaining the confidentiality and security of your login id and password, and may not provide these credentials to any third party.
  • Limitation of Liability
    IN NO EVENT SHALL DHANI OR TRANSERV OR ENTITY OWNING OR HOUSING THE PLATFORM AND DHANI PAY PLATFORM, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE PLATFORM AND DHANI PAY PLATFORM, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF DHANI’S OR TRANSERV’S SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE PLATFORM AND DHANI PAY PLATFORM, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR THROUGH THE PLATFORM AND DHANI PAY PLATFORM BY ANY THIRD PARTY, (V) ANY ERRORS OR OMISSIONS IN ANY CONTENT, (VI) USER SUBMISSIONS OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY, (VII) YOUR USE, OR INABILITY TO USE, ANY PORTION OF THE PLATFORM AND DHANI PAY PLATFORM OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF YOUR USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE PLATFORM AND DHANI PAY PLATFORM, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT DHANI OR TRANSERV IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.
  • Indemnity
    You agree to indemnify and hold Dhani or TranServ, as the case may be, (and its officers, directors, agents, subsidiaries, joint ventures, and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to breach of these Terms, your violation of any law or the rights of a third party, or your use of the Platform and Dhani Pay Platform.
  • Trademarks
    The trademarks, logos and service marks ("Marks") displayed on the Platform and Dhani Pay Platform are the properties of Dhani and TranServ, respectively. You are prohibited from using any Marks for any purpose including, but not limited to use as metatags on other pages or sites on the world wide web without the written permission of Dhani or TranServ (as the case may be) or such third party which may own the Marks. All information and content including any software programs available on or through this Platform and Dhani Pay Platform ("Content") is protected by copyright. You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through this Platform and Dhani Pay Platform for commercial or public purposes.

Privacy Policy

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.

This Privacy Policy provides you with details about the manner in which your data is collected, stored and used by us. You are advised to read this Privacy Policy carefully. By visiting IBCFL’s website/IBCFL mobile applications, you expressly give us consent to use and disclose your personal information in accordance with this Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use or access IBCFL website or IBCFL mobile applications.

I General

This privacy statement is applicable to website of IBCFL, or any online/mobile application that refers to or links to this Privacy Policy (collectively, our “Services”). This Privacy Policy applies regardless of whether you use a computer, mobile phone, tablet, or television or any other media or computer resource to access our Services. It is important that you read the Privacy Policy carefully because anytime you use our Services, you consent to the practices/ policies that we have set out in this Privacy Policy.

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.

IV Disclosure

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.

V Cookies

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.

VII Changes to this Privacy Policy

IBCFL reserves the right to change or update this Privacy Policy or any other of our policies/practices at any time without giving any prior notification; hence, you are requested to review the Privacy Policy periodically, to make sure that you are aware of any such changes. This Privacy Policy shall apply uniformly to IBCFL website and IBCFL mobile applications or any other media used by IBCFL for its Services. Any changes or updates will be effective immediately upon posting the same on our web site at www.mydhani.com

VIII Consent To International Transfer Of Data

By using or participating in any Service and/or providing us with your information, you consent to the collection, transfer, storage and processing of your information outside India, consistent with this Privacy Policy. Please note that the data protection laws of countries to which your information may be transferred shall be at same level as that of India.

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).

XII Consent

You consent to the collection and use of the information you disclose to IBCFL in accordance with this Privacy Policy, including but not limited to your consent for sharing your information as per this Privacy Policy.

XIII Disclaimer

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.

IBCFL shall ensure to safeguard the security and confidentiality of any information you share with us. Any of your personally identifiable information obtained by us shall not be used or shared other than for the purposes to which you consent. However, despite our utmost efforts to protect your personal information, IBCFL cannot warrant the security of any information you transmit to us through our online services/ applications. By accepting this Privacy Policy, you accept that such transmission of your personal information is done at your own risk.

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

Please note that this Privacy Policy does not create any contractual or other legal rights in or on behalf of any party, nor is it intended to do so.

Disclaimer

General

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.

Equipment

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

dhani Services Limited | CIN: U74899DL1994PLC062407
Registered Office: M-62 & 63, First Floor, Connaught Place, New Delhi-110001

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