Terms & Conditions Dhani Cash Reward & Loyalty Program

Stock Market Game terms & conditions

STOCK MARKET GAME , a free-to-play game (herein after referred to as the "Game") is made available by Indiabulls Consumer Finance Limited (hereinafter referred to as "Indiabulls") through its mobile application under the brand name of "Dhani" ("Platform"). Please read these terms and conditions carefully ("Terms ") before participating in the Game. By participating in the Game, you will be bound by these Terms and you signify your acceptance of these Terms. By agreeing to these Terms, you ("You" or "Your") also agree to Indiabulls’ Privacy Policy, as amended from time to time. If you do not agree to the Terms, please do not use the Platform or participate in the Game. Your continued use of the Platform/ participation in the Game following the posting of changes to the Terms will be your deemed acceptance of those changes.

Indiabulls retains the right, at its sole and absolute discretion, to deny access to anyone on the Platform and / or participate in the Game, at any time and for any reason, including, but not limited to, violation of the Terms.

1. Eligibility
• 1.1. By participating in the Game, You hereby warrant that:
  • you are an Indian resident and at least 21 years of age;
  • you are not a resident of the States of Andhra Pradesh, Telangana or any other State in which you are prohibited under law to participate in the Game;
  • you possess the legal authority to create a binding legal obligation;
  • you will use this Platform in accordance with the Terms;
  • The Market Game is available only for NON INDIABULLS LOAN customers. Customers who have an active Dhani Loan, Credit Line or have availed Dhani Micro will not be eligible to play the game

2. Specific Terms & Conditions
• 2.1. The Game is free-to-play and You are not required to pay any real money entry or participation fee to participate in the Game. You are fully aware that participating in the Game does not entail payment of any amounts by You, in any form and manner, and to any entity and You hereby undertake not to claim otherwise or contend to the contrary. You hereby further confirm that there is no payment that is made by You or on Your behalf for participating in the Game.
• 2.2. The Game is best suited for individuals having expertise in stock market and being an active and regular member participating in trading on stock exchanges, and well versed with the dynamics of the stock markets. Participant discretion is strongly advised.
• 2.3. Indiabulls is merely offering the Game through the Platform and does not buy, sell or deal in securities (as defined in the Securities Contracts (Regulation) Act, 1956) in any manner whatsoever or aim to influence or manipulate the prices of the securities traded on stock exchanges (as defined in the Securities Contracts (Regulation) Act, 1956). You hereby acknowledge that by using the Platform and participating in the Game, You are not buying, selling or dealing in securities in any manner or participating in any activity regulated by the Securities and Exchange Board of India ("SEBI") or any other regulator.
• 2.4. The Game is devised solely as a promotional scheme and is not intended to nor purports to or devised to encourage any speculation or betting or wagering or gambling or rigging of whatsoever nature. The Game or the Platform does not intend to provide investment advisory of any nature whatsoever and reliance should not be placed on the Game or the Platform for making any investment decisions. Indiabulls hereby strongly advises that no investment decision should be based on the Game and it is abundantly clarified that Indiabulls shall not be liable or responsible for losses, damages and claims of whatsoever nature, including loss of opportunity or profit, should any individual, whether or not participating the Game, places reliance on the outcome of the Game or utilizes the data for the purpose of making any investment decisions.
• 2.5. Residents of the States of Andhra Pradesh, Telangana and such other States as may be prescribed from time to time by Indiabulls may not participate in the Game, either directly or indirectly. . Indiabulls hereby caveats that violation of any applicable laws by You on account of participation in this Game shall be solely at your risks, costs, consequences and responsibility, with no recourse whatsoever to Indiabulls or its subsidiaries, affiliates, associates, group and related party entities (collectively, "IB Entities") or any employees, officials, agents or representatives of IB Entities in any manner. Indiabulls / IB Entities will not be responsible or liable for any such violation and You hereby disclaim and waive any recourse against Indiabulls and IB Entities including their respective employees, officials, agents or representatives for any such violation.
• 2.6. Indiabulls hereby reserves the right to disregard Your participation in the Game should Indiabulls discover that You are in violation of any applicable laws. This would include without limitation not conferring on You any benefits that are associated with the Game.
• 2.7. Indiabulls shall have the sole right and authority to determine the winners as well as the prize money that is to be distributed to the winners of the Game. You hereby specifically disclaim any rights or entitlement to the prize money merely on account of participation or should Indiabulls determine, in its sole discretion, that you are not eligible for the same and You hereby undertake not to raise any claims against Indiabulls and IB Entities including their respective employees, officials agents or representatives in this regard.
• 2.8. Irrespective of You having met the eligibility criteria set out under para 1.1 above, Indiabulls will have the sole right to determine whether You are eligible to play the Game.
• 2.9. All earnings will be accumulated as a Prize Money in the Prize Wallet of the user which can be viewed by the user in the app. The prize money will be converted to cashback in customer's dhanipay wallet balance at a ratio of 1:1 if any of the following takes place 2.9.1. User avails a Dhani Personal Loan 2.9.2. User avails a Dhani Credit Line and does at least 1 transaction 2.9.3. User avails a Dhani Micro product Customer can receive a cashback of maximum of Rs. 250/- (Rupees Two hundred fifty only) against Prize Money, subject to meeting the conditions as mentioned in 2.9.
• 2.10. The Prize Money will have a 30 day time period from the date first instance of earning Prize Money and post which it will lapse.
• 2.11 A user will be allowed to participate in a maximum of 10 game days. The user can change the predicted stock option any number of times when the game is open. At the end of the game closure, this will be counted as one bid.
• 2.12. The maximum amount of prize money that You will be eligible to win through this Game, for a particular Game day, would be INR 1,00,000 (Indian Rupees One Lac) based on your participation in the Game. Upon reaching a particular threshold, Indiabulls reserves the unconditional rights to prevent Your further participation in the Game or disregard any such participation. The prize money to be rewarded to the winners of the Game do not derive their value from the prices or index of prices of securities listed on any stock exchange. The prize money shall be subject to deduction of tax ("TDS") as per the Income Tax Act 1961. Further, it is hereby clarified that you shall be responsible for payment of any other applicable tax, including but not limited to, income tax, gift tax, etc. in respect of the prize money.
• 2.13. You will need to mandatorily set up and activate your DhaniPay Wallet operated by Transerv Private Limited ("Transerv") on a minimum KYC basis to be able to participate in the Game. Should you win the Game, You would be required to complete full KYC, wherever required by Transerv, to claim the prize money and get remittance thereof, within 15 (fifteen) days of winning the Game. Please note that the prize money will be disbursed only in DhaniPay Wallet and therefore, if DhaniPay Wallet has not been downloaded by You and requisite compliances for the same are not completed within 15 (fifteen) days of you winning the Game, Your participation will be disregarded and You shall have no right to receive prize money even if You are a prize winner. . Further, wherever full KYC or minimum KYC (as the case may be) is not complied with within 15 days of you winning the Game, we reserve our right to withhold the prize money to You even if You are a prize winner. The prize money cannot be exchanged or substituted by any other mode of payment/ compensation.
• 2.14. You will need to have Permanent Account Number (PAN) issued by Government of India in order to claim to the prize money and to comply with the KYC guidelines issued by regulatory authorities from time to time.
• 2.15. The Game is not approved or endorsed or recommended or registered or recognized or authorized by SEBI or any other Government authority. No recourse will therefore be available to You against SEBI or any other Government authority or otherwise under the relevant applicable laws in this regard.
• 2.16. The Game does not nor is intended to guarantee or assure that You shall win or be eligible for prize money or any amount irrespective of the number of participations by You and You hereby agree that such determination shall be solely as per the rules applicable to the Game and the discretion of Indiabulls as contemplated in these Terms. You hereby specifically disclaim right to any such prize money based merely on Your multiple participations.
• 2.17. Participation by Indiabulls employees or their relatives shall be disregarded / restricted and Indiabulls reserves the right to disqualify such participation even if You are part of the winning list.
• 2.18. Should the stock of Indiabulls or any of IB Entities form part of Nifty 50, it shall be excluded from purview of the Game.
• 2.19. Participating in this Game is voluntary. By participating in the Game, you will be legally bound hereby, to release from liability, and hold harmless Indiabulls and IB Entities including their respective employees, officials, agents or representatives.
• 2.20. You acknowledge that in using the Platform and participating in the Game, You shall, at all times, comply with the laws that may be applicable to You in this regard, including without limitation, laws, rules, regulations promulgated by SEBI or any other governmental authority.

3. General Terms and Conditions
• 3.1. In the event of any inconsistency between these Terms and any advertising, promotional, publicity and other materials relating to or in connection with this Game, these Terms shall prevail.
• 3.2. Indiabulls may, to the maximum extent permitted by applicable law and in its sole discretion, change the Terms or cancel the Game at any time; or modify, terminate, or suspend the Game should viruses, worms, bugs, unauthorized human intervention or other causes beyond our control corrupt or impair the administration, security, fairness or proper play of the Game or submission of entries or substitution a prize (or any part of a prize).
• 3.3. You agree that all our decisions related to the Game are final and binding on you. Failure by Indiabulls to enforce any of these Terms in any instance shall not be deemed to be a waiver of the Terms and shall not give rise to any claim by any person. The decision of Indiabulls shall, at all times, be binding and final.
• 3.4. By participating in the Game, you give Indiabulls and/ or IB Entities permission to collect information and/or personal data from you as well as other agencies/public databases (including Credit Information Companies (CICs) and Income Tax Department (ITD)) wherein your data may be available. You also give express and unequivocal consent to Indiabulls and IB Entities to retrieve/ procure such data/details including from CICs, ITD and other public database and undertake search with the relevant agencies ("Service Provider") for the purposes of verifying your data/ details/identity. You hereby further authorize Indiabulls, IB Entities and the Service Provider that to do so, Indiabulls and/ or IB Entities and/ or Service Provider may check the details that you have supplied against any particulars on any database (public or otherwise) to which Indiabulls or Service Provider has access. A record of the search may be retained as per applicable laws for personalization of products or services, credit rating, data enrichment, marketing or promotion of Indiabulls services or related products or that of its associates and affiliates or for enforcement/ compliance of Indiabulls and/ or IB Entities and/ or Service Provider obligations.
• 3.5. You further agree to be contacted by the sales and marketing agents of Indiabulls and/ or IB Entities over the phone or email provided by you for promotion and information about various other products/services offered by them.
• 3.6. You understand that information may be subject to data privacy laws under competent jurisdiction. You understand and agree that the data and information so collected will be used in accordance with Indiabulls privacy policy (as uploaded on their website https://www.mydhani.com from time to time), the contents whereof you have read and understood. This policy explains how Indiabulls treats/uses your personal information and protects your privacy when you use these services and you agree to the same. You further understand and agree that Indiabulls will treat the information received from you as per its privacy policy and in consonance with the applicable data privacy laws.

4. Delays in Services:
• Indiabulls and IB Entities including their respective employees, officials, agents or representatives shall not be liable for any loss or liability resulting, directly or indirectly, from delays or interruptions due to electronic or mechanical equipment failures, telephone interconnect problems, defects, weather, strikes, walkouts, fire, acts of God, riots, armed conflicts, acts of war, or other like causes. Indiabulls shall have no responsibility to provide you access to the Platform / Game while interruption of Indiabulls is due to any such cause and till such time the interruption continues.

5. Indemnity
• You agree to indemnify and hold Indiabulls and IB Entities including their respective employees, officials, agents or representatives 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, 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 or otherwise participating in the Game.

6. LIABILITY DISCLAIMER
• 6.1. YOU EXPRESSLY AGREE THAT USE OF THE PLATFORM / PARTICIPATION IN THE GAME IS AT YOUR SOLE RISK.
• THE CONTENTS, INFORMATION, SOFTWARE, PRODUCTS, FEATURES AND SERVICES PUBLISHED ON THIS PLATFORM MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE CONTENTS HEREIN. INDIABULLS AND / OR IB ENTITIES AND/OR ITS RESPECTIVE SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THIS PLATFORM AT ANY TIME. THIS PLATFORM MAY BE TEMPORARILY UNAVAILABLE FROM TIME TO TIME DUE TO REQUIRED MAINTENANCE, TELECOMMUNICATIONS INTERRUPTIONS, OR OTHER DISRUPTIONS. INDIABULLS AND / OR IB ENTITIES (AND ITS OWNERS, SUPPLIERS, CONSULTANTS, ADVERTISERS, AFFILIATES, PARTNERS, EMPLOYEES OR ANY OTHER ASSOCIATED ENTITIES, ALL COLLECTIVELY REFERRED TO AS ASSOCIATED ENTITIES HEREAFTER) SHALL NOT BE LIABLE TO USER OR MEMBER OR ANY THIRD PARTY SHOULD INDIABULLS AND / OR IB ENTITIES EXERCISE ITS RIGHT TO MODIFY OR DISCONTINUE ANY OR ALL OF THE CONTENTS, INFORMATION, SOFTWARE, PRODUCTS, FEATURES AND SERVICES PUBLISHED ON THIS PLATFORM.
• INDIABULLS AND / OR IB ENTITIES MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE CONTENTS, INFORMATION, SOFTWARE, PRODUCTS, FEATURES AND SERVICES CONTAINED ON THIS PLATFORM FOR ANY PURPOSE. ALL SUCH CONTENTS, INFORMATION, SOFTWARE, PRODUCTS, FEATURES AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. INDIABULLS AND / OR IB ENTITIES HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THESE CONTENTS, INFORMATION, SOFTWARE, PRODUCTS, FEATURES AND SERVICES, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND AVAILABILITY.
• IN NO EVENT SHALL INDIABULLS AND / OR IB ENTITIES BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS PLATFORM OR ANY CONSEQUENCES ARISING OUT OF INFORMATION SUBMITTED BY YOU OR WITH THE DELAY OR INABILITY TO USE THIS PLATFORM, OR FOR ANY CONTENTS, INFORMATION, SOFTWARE, PRODUCTS, FEATURES AND SERVICES OBTAINED THROUGH THIS PLATFORM OR PARTICIPATING IN THE GAME, OR OTHERWISE ARISING OUT OF THE USE OF THIS PLATFORM, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF INDIABULLS AND / OR IB ENTITIES HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

7. INFORMATION DISCLAIMER
• 7.1. You acknowledge that the information provided through the Platform is compiled from sources, which are beyond the control of Indiabulls. Though such information is recognized by the parties to be generally reliable, the parties acknowledge that inaccuracies may occur and Indiabulls does not warrant the accuracy or suitability of the information. You acknowledge that you shall not be deemed to have participated in the Game relying on such information and Your participation implies an independent analysis by You of such information. For this reason, as well as the possibility of human and mechanical errors and other factors, YOU ACKNOWLEDGE THAT THE INFORMATION PROVIDED ON PLATFORM IS PROVIDED TO YOU ON AN "AS IS, WITH ALL FAULTS" BASIS. FURTHER, INDIABULLS EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, WHETHER EXPRESS, ORAL, IMPLIED, STATUTORY OR OTHERWISE, OF ANY KIND TO YOU AND/OR ANY THIRD PARTY, INCLUDING ANY IMPLIED WARRANTIES OF ACCURACY, TIMELINESS, COMPLETENESS, MERCHANTABILITY AND FITNESS OF THE INFORMATION FOR A PARTICULAR PURPOSE. IN ADDITION, INDIABULLS IN PROVIDING THE INFORMATION MAKES NO ENDORSEMENT OF ANY PARTICULAR SECURITY, MARTKET PARTICIPANT, OR BROKERAGE AND YOU ACKNOWLEDGE THAT PROVIDING THE INFORMATION IS NOT DESIGNED TO INFLUENCE YOUR DECISIONS IN SECURITIES TRADED ON THE STOCK EXCHANGES OR INDUCE YOU TO SUBSCRIBE TO ANY SPECIFIC SECURITIES. YOU FURTHER ACKNOWLEDGE THAT INDIABULLS IS NOT SELLING ANY SECURITIES OR PROVIDING ANY SERVICES IN RELATION TO THE SECURITIES MARKET THROUGH THE PLATFORM.
• 7.2. You assume all risk of errors and/or omissions of the information provided on the Platform, including the transmission or translation of information. You assume full responsibility for implementing sufficient procedures and checks to satisfy your requirements for the accuracy and suitability of the Platform, including the information, and for maintaining any means, which you may require for the reconstruction of lost data or subsequent manipulations or analyses of the information provided on the Platform.
• 7.3. YOU AGREE THAT INDIABULLS AND IB ENTITIES INCLUDING THEIR RESPECTIVE EMPLOYEES, OFFICIALS, AGENTS OR REPRESENTATIVES SHALL NOT IN ANY EVENT BE LIABLE FOR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE PLATFORM FOR ANY PURPOSE WHATSOEVER. INDIABULLS AND IB ENTITIES INCLUDING THEIR RESPECTIVE EMPLOYEES, OFFICIALS, AGENTS OR REPRESENTATIVES SHALL HAVE NO LIABILITY IN TORT, CONTRACT, OR OTHERWISE TO USER AND/OR ANY THIRD PARTY.

8. TERMINATION/ACCESS RESTRICTION
• Indiabulls reserves the right, in its sole discretion, to terminate your access to the Platform and the related services or any portion thereof at any time, without notice and without assigning any reason whatsoever.

9. Governing law and Jurisdiction:
• These Game 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.

10. Links to Other Websites
• The Platform may contain links to third-party websites that are not owned or controlled by Indiabulls. Indiabulls has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites. By using the Platform, you expressly relieve Indiabulls from any and all liability arising from your use of any third-party website and Indiabulls 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 Indiabulls in any way. Indiabulls 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.

11. Security
• 11.1. The Platform/ Indiabulls and / or IB Entities employ appropriate technical and organizational security measures at all times to protect the information Indiabulls and / or IB Entities collects from you. The Platform uses 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, Indiabulls and / or IB Entities 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. [You shall maintain, in utmost confidentiality, the details of the decisions made by You with respect to the Game. Indiabulls hereby confirms that the information provided by You in the course of Your participation in the Game shall not be made available to other participants of the Game or other users of the Platform.]

12. Trademarks
• The trademarks, logos and service marks ("Marks") displayed on the Platform are the property of Indiabulls. 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 Indiabulls or such third party which may own the Marks. All information and content including any software programs available on or through this 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 for commercial or public purposes.

Terms and Condition for Dhani news

Effective Date: 8th April 2019

These terms and conditions ("Terms") are applicable to the Dhani news feature offered through the Dhani mobile application ("Platform"), owned, managed and operated by Dhani Loans & Services Limited (“DLSL”). For avoidance of doubt, it is hereby clarified that the Platform is not engaged in providing any services by itself but is a platform, which merely acts as an electronic tool to provide access to publicly available information to its users.

To offer Dhani news, DLSL has entered into an arrangement with Gnews ("Gnews") which provides Application Protocol Interfaces (APIs) to search articles from Google News data.

By using the Platform and by agreeing to avail the services of Dhani news, You signify your acceptance of these Terms. By agreeing to these Terms, you also agree to DLSL’s Privacy Policy, as amended from time to time. If you do not agree to the Terms, please do not use 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) you will only use this Platform to access publicly available news for you or for another person for whom you are legally authorized to act; (v) you will inform such other persons about the terms and conditions that apply to accessing Dhani news on their behalf, including all rules and restrictions applicable thereto; (vi) all information supplied by you on this Platform is true, accurate, current and complete. DLSL retains the right at its 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.

DLSL reserves the right, at any time, to modify, alter, or update these Terms. DLSL will notify you of such changes by email at the address you registered with or by prominent notice on the Platform.

DLSL hereby states the following:

• The Platform does not per se generate any news or content or information; but provides access to the content available in public domain by aggregating such content within one platform for easy access by You and for assisting You to find corresponding content of Your interest.
• The Platform uses an intermediary and/or enabling technology that provides you access to Gnews including categorisation of contents and allows You to explore, search access, view and share the Contents with third parties based on these categories.
• The Platform just displays content provided by Gnews through its APIs. When You read a news article, You may be linked to one of the online sources of such duly aggregated summary, upon clicking on Your screen. You agree and acknowledge that the Platform does not report and/or broadcast any content (including news) on its own accord and DLSL is not responsible or liable for the content or accuracy and / or the summary of content that may be accessed by You through the App. In no event shall DLSL assume or have any responsibility or liability for the Contents accessible by use of the Platform for any claims, damages or losses resulting from the use of the Contents.
• The Platform may include links to other mobile applications and/or websites (some of which may be automated search results) which may contain materials that are objectionable, unlawful, or inaccurate. We do not endorse or support these links or the products and services they provide; these links are provided for Your convenience only. We are not responsible or liable for the content or accuracy of such links.
• You acknowledge and concede that the Contents accessible by use of the Platform are the property of Gnews and is subject of Terms of Gnews including but not limited to proprietary and other rights and any Intellectual Property Rights. You are not permitted to distribute, download/use/access, transmit, republish, display, sell, license or otherwise communicate the Contents to the public in any manner except via the features provided in the Platform.
• You acknowledge that the content from Gnews is provided to you on an "as is, with all faults" basis. DLSL expressly disclaims any and all warranties, whether express, oral, implied, statutory or otherwise, of any kind to the users and/or any third party, including any implied warranties of accuracy, timeliness, completeness, merchantability and fitness for a particular purpose, as well as any warranties arising by virtue of custom of trade or course of dealing and any implied warranties of title or non-infringement.
• in addition, DLSL, in providing the information makes no endorsement of any particular security, market participant, or brokerage. Frther, DLSL does not represent or warrant that it will meet your requirements or is suitable for your needs.
• No part of the Platform and no Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, downloaded or distributed in any way (including "mirroring") to any other computer, server, website or other medium for publication or distribution or for any commercial enterprise. DLSL shall have all the rights to take necessary action and claim damage in case of any violation. Such action may also involve terminating of the permission for User to use the Platform by deleting User Account.
• User(s) hereby agree, undertake and confirm to receive advertisements through use of this App.
• Under these Terms, you assume all risk of errors and/or omissions in the Platform, including the transmission or translation of information. You assume full responsibility for implementing sufficient procedures and checks to satisfy your requirements for the accuracy and suitability of the content made available on the Platform, including the information, and for maintaining any means, which you may require for the reconstruction of lost data or subsequent manipulations or analyses of the information under the these Terms.
• You agree to be bound by the Terms of Usage of Gnews which can be accessed at https://gnews.io/terms

Links to Other Websites

The Platform may contain links to third-party websites that are not owned or controlled by DLSL. DLSL has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites. By using the Platform, you expressly relieve DLSL from any and all liability arising from your use of any third-party website and DLSL 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 DLSL in any way. DLSL 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

The Platform/DLSL employ appropriate technical and organizational security measures at all times to protect the information DLSL collects from you. The Platform uses 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, DLSL 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 DLSL/ ENTITY OWNING OR HOUSING THE 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, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF DLSL’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, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR THROUGH THE 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 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, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT DLSL 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

User agrees to indemnify and hold DLSL (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.

Trademarks

The trademarks, logos and service marks ("Marks") displayed on the Platform are the property of DLSL. Users 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 DLSL or such third party which may own the Marks. All information and content including any software programs available on or through this Platform ("Content") is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through this Platform for commercial or public purposes.

Dhani Premium Terms & Conditions

Welcome to the terms and conditions ("Terms") for Dhani Premium Subscription. These Terms are between you and Dhani Loans & Services Limited and/or its affiliates and govern our respective rights and obligations. Please note that your use of the Dhani website/app and Dhani Premium Subscription are also governed by the agreements listed and linked to below, as well as all other applicable terms, conditions, limitations, and requirements on the Dhani Website, all of which (as changed over time) are incorporated into these Terms. If you sign up for a Dhani Premium Subscription, you accept the terms, conditions, limitations and requirements including and not limited to the below:

• Dhani Terms & Conditions

Dhani Premium Subscription Auto Renewal Cancellation
Dhani Premium Subscription once taken cannot be cancelled; however, the same shall be done on a case to case basis, subject sole discretion of Dhani. Premium Membership will be auto renewed every month and Fee will be charged on a monthly basis.

Other Limitations

• We reserve the right to accept or refuse membership in our discretion.
• We may send you email and other communications related to Dhani Premium and your Premium membership (regardless of any settings or preferences related to your Dhani account).
• You may not transfer or assign your Dhani Premium membership or any Premium benefits, except as allowed in these terms.
• Some Premium benefits may require members be in allowed locations or to meet specified criteria in order to access them.
• From time to time, Dhani may choose in its sole discretion to add or remove Dhani Premium membership benefits.

Fees and Renewal

The membership fee for Premium is Rs 100 per month. For Dhani Premium fees and renewal information, see applicable terms and conditions. From time to time, we may offer different membership terms, and the fees for such membership may vary. The Dhani Premium membership fee is non-refundable except as expressly set forth in these Terms. Taxes if applicable will be separate.

If you provide us with eligible payment method and are successfully charged, your membership period will be based on the date on which your Dhani Premium membership account is activated and not the date of the successful charge. If you fail to promptly pay the eligible payment or renewal payment under the methods provided by us we have on file for your payment of your membership fee, then your membership will be cancelled and you must provide us a new eligible payment method.

Dhani Premium Membership Benefits:

• Instant Credit Line
• Instant Credit Line is an interest only Credit Line, therefore customer gets the benefit of low EMIs & no extra burden. This credit line is exclusively offered to Dhani Premium Members.
• Use Dhani Cash to pay 10% or Rs.500 whichever is lower of existing loan & Instant Credit Line EMI via Dhani App ( Customer who pay there EMI through ECS , will get 10% or Rs.500 whichever is lower as cash back in their general wallet)
• Get Dhani Cash worth Rs.500 as cash back on opening a Dhani Stock account
• Get 2% upfront benefit on bill payment via Dhani App using Dhani Cash
• Order Dhani Card using Dhani Cash
• Pay 10% premium of Medical Insurance and Personal Accidental Insurance using Dhani Cash.

Terms & Conditions Dhani Refer & Earn Reward Program

Effective Date: 24th October, 2020

These Terms and Conditions are applicable for the Dhani Refer & Earn Reward Program offered as a promotional benefit to Customers TranServ Private Limited and/or the Registered User(s) of its Dhani mobile application for various services provided thereon.

Definitions

• 1. “Dhani Services Limited” or ”DSL” means the company having its registered office office at M-62 & 63, First Floor, Connaught Place, New Delhi-110001 which is inter-alia engaged in the business of providing online finance & healthcare product(s).
• 2. “Customer(s)” or ‘Users” shall mean any existing user of the Dhani app and includes any person uses the Dhani Application for any services and/or activity provided thereon.
• 3. “Dhani Cash” shall mean redeemable reward points awarded to Dhani Customer(s) wherein each Dhani Cash is equal to Rs 1/-subject to meeting the usage criteria as defined in the Dhani Cash terms & conditions document.
• 4. “Dhani Refer & Earn Reward Program” or “Program” shall mean the cash reward functionality operated and facilitated by a registered prepaid payment instruments operator, TranServ Private Limited (TranServ), through Dhani platform wherein Customer(s) and New User(s) can earn Cash rewards & Dhani Cash, respectively by referring and registering on the Dhani Application for various services and activities provided thereon in consonance with applicable terms. TranServ reserves the right in its sole and absolute discretion to amend/modify the Program. TranServ only performs the role of operating and facilitating the reward program through Dhani platform(s).
• 5. “Dhani Application” or ‘dhani’ or ‘Dhani’ shall mean the mobile application(s) of DSL available on the Apple Store and/or Google Play Store and operated under the brand ‘Dhani’
• 6. “New User(s)/Fist Time User(s)” shall mean and include only those Users (21 years and above) who sign up or registers themselves on the Dhani Application for the first time ever after the Effective Date and will be considers new only for one time/first time.
• 7. “Referrer” shall mean and include existing Dhani Customer who has invited New User(s) to Dhani Application by sharing his/her/its referral link to his/her/its friends and/or family member(s). A new user can become a referrer after first time sign up.
• 8. “Referee” shall mean and include New User(s) above the age of 21 years (twenty one years) who has signed up or registered on Dhani Application for the first time ever by clicking on Referrer’s link. Referee should be a Resident individual of India only.
• 9. “Wallet” shall mean Dhani Pay digital wallet, available on the Dhani Application.

By registering or signing up on the Dhani Application, the User signify his/her/its acceptance of these Terms. If the User does not agree to the Terms, the User must refrain from registering on or signing up on the Dhani Application. User’s continued use of the Dhani Application following the posting of changes to the Terms will be deemed to be the acceptance of said changes by the User. User warrant that (i) he/she is has attained at least 18 years of age;(ii) he/she possess the legal authority to create a binding legal obligation; (iii) the use of the Dhani Application shall be in accordance with the applicable Terms; (iv) Dhani Application shall be used to perform legitimate actions for himself/herself or for another person for whom he/she is legally authorized to act; (v) User shall inform such other persons about the terms and conditions that apply to the activities and services the User has performed on their behalf, including all rules and restrictions applicable thereto; (vi) all information supplied by User on Dhani Application is true, accurate, current and complete. DSL or TranServ retains the right at its/their sole and absolute discretion to deny access to anyone to Dhani Application and/or the services offered, at any time and for any reason whatsoever, including, but not limited to, for violation of the Terms.

The Customer/ New User(s) acknowledge that they do not provide any services to TranServ Private Limited and this Program does not grant or intend to grant any advertising or promotion rights to the Referrer or Referee. The Referrer understands that he/she/it does not act as an advertiser or commentator or influencer for TranServ Private Limited in any manner. TranServ Private Limited reserve the right, at any time, to modify, alter, or update these Terms & Conditions. TranServ may notify Customer/User of such changes by email at the address they got registered as a customer OR by a prominent notice on the Dhani Application or on the website www.dhani.com . Dhani Cash shall be awarded to eligible referrers/ referees as per the applicable Terms and/or usage of such facilities offered by TranServ Private Limited from time to time.

Scope of Program

• 1. Any New User, upon successful registration on the Dhani Application directly or using any referral link shall be eligible for rewards as per Annexure 1 of this document. The Dhani cash rewards can be used as per the terms & conditions of Dhani Cash.
• 2. This Program is available for Dhani Application Users and can be availed by either of the below mentioned ways:
• By sending to Referee an invite link generated by clicking on Dhani referral action button available on the Dhani Application, available on Apple’s Store and Google Play Store, or
• By sending Rs 1/- to their friend through Dhani Pay wallet in Dhani Application, available on Apple’s Store & Google Play Store.
• 3. On referring New User to Dhani Application & successful registration of New User on Dhani Application, the Referrer shall be eligible to be rewarded as per Annexure 1 of this document. These Dhani cash rewards can be used as per the terms & conditions of Dhani Cash.
• 4. The awarded cash will be available to the Referrer and the Referee in their Dhani Pay wallet.
• 5. The invite link generated through the Dhani Application may be shared by the Referrer’s only with his/her friends & family through Whatsapp, SMS, other social media apps or email. The Referrer becomes eligible to the awarded cash once the Referee(s) download the Dhani Application using the shared link and complete the required registration process.
• 6. A New Customer can be eligible for this Program in either one of the above two scenarios (Direct or Referral) and not both at a time. It is clarified that only New First Time Users would be eligible to become a Referee and get the cash. There is no restriction on the number of people a User can refer.

Other Terms & Conditions

• 100% Dhani Cash earned by all Users will be expired on the 15th day of every month. Dhani Cash will be governed by terms and conditions of Dhani Pay Prepaid Account issued by TranServ Private Limited. Users need to complete registration for Dhani Pay Prepaid Account and complete due KYC requirements to be able to avail the benefit of Dhani Cash.
• TranServ Private Limited may use your personal, transactional and other Dhani Application level information for the purpose of promotional activities without any additional consent from or compensation to you. You consent to receive transactional, commercial and marketing communications both related to TranServ Private Limited specifically, and to our other products and services generally, from us electronically, except in those jurisdictions where your express consent is required to receive commercial or marketing communications electronically. Commercial and marketing communications may include notifications about relevant special offers or opportunities given by TranServ Private Limited. In such event, DSL will send you commercial or marketing communications electronically only if you have provided your express consent by proactively opting-in to receive such communications from TranServ Private Limited regarding its products and services. This offer will be void in any State where conducting such offer is prohibited under applicable laws.
• TranServ Private Limited shall have no liability for delays or failure in performance caused by any event beyond TranServ Private Limited control.
• Customer and/or User is solely responsible for any Govt. tax, Service tax, duty or other charge imposed by law in respect of the Program, participation in the Program and any Dhani Cash converted or acquired or any other transaction within the Program.
• All questions or disputes regarding eligibility for the Program or eligibility for accrual, redemption or transfer of Dhani Cash will be determined by TranServ Private Limited at its sole and absolute discretion.
• TranServ Private Limited failure to enforce a particular Term or Condition does not constitute a waiver of that Term or Condition by TranServ Private Limited.
• This agreement is only for participation in Program and does not in any way waive, amend or override any of the Terms and Conditions of the existing Customer and/or User agreement with TranServ Private Limited. All such other terms & conditions/ agreements of Customer/User continue to remain in full force. In case of conflict between these Terms and Conditions and the other applicable terms & conditions, the former shall prevail over the latter.
• All disputes arising out of this Program shall be subject to the exclusive jurisdiction of competent courts of Delhi.
• Nothing contained herein shall be construed as a binding obligation on TranServ Private Limited or its associates/ subsidiaries to continue the Program after it is terminated/ discontinued or to substitute Program with any other similar or new program. TranServ Private Limited expressly reserves the right, at any time and without prior notice to the Customer and/or User, to add, alter, modify, change or vary all or in part, or withdraw altogether the Program without specifying any reasoning.

Annexure 1:

PART 1:

Direct Rewards: To be awarded to “All new/First time users – direct or via referral”:

PART 2:

Referral Rewards: To be awarded to “Referrer only”

NOTES to ANNEXURE 1:

• 1. Referrer will be awarded for sign up of the referee plus only for one/first PRODUCT that the referee avails.
• 2. Products here are defined as ‘DHANI CREDIT LINE’, ‘DHANI STOCKS TRADING ACCOUNT’, ‘DHANI DOCTOR’ or ‘DHANI SUPER SAVER’ only
• 3. Only First time/new registration customer/s will be qualified as a successful referee
• 4. One device has to be defined for only one successfully referee
• 5. Referrers can be rewarded only for one successful referee only once on sign up and only once on availing a product and not multiple times.
• 6. Referrer can earn multiple times for each unique new customer they bring to Dhani app.
• 7. There’s no cap in the earnings of the Referrer on meeting the above criteria

Medical Insurance Terms & Conditions

Welcome to the Digit Health Plus (Revision) Policy bearing UIN GODHLGP19013V021819 (“Group Insurance Policy”) being offered by Go Digit General Insurance Limited (“Digit”). We, Dhani Loans & Services Limited (formerly Indiabulls Consumer Finance Limited & IVL Finance Limited) (“DLSL”) are enabling our Customer(s) to enrol for the aforesaid Group Insurance Policy.

The benefits under the aforesaid Group Insurance Policy shall cover Customer(s) of DLSL who have consented to avail the said Group Insurance Policy from Digit by usage of Dhani Platform(s).

Customer(s) shall mean and include any person who has availed/is availing a loan facility from DLSL and/or accesses and uses the Dhani Platform for any services including Wallet, a payment product functionality operated and facilitated by registered prepaid payment instruments operator, TranServ Limited (TranServ).

Kindly be informed of the broad role of DLSL and TranServ whilst availing the aforesaid Group Insurance Policy offered by Digit:

• 1. The relationship between the Customer(s) and Digit with respect to the aforesaid Group Insurance Policy shall be governed by the policy schedule/certificate of insurance and policy wordings issued by Digit to you.
• 2. Digit shall settle claims, if any, raised as per the terms of the Group Insurance Policy.
• 3. Digit shall be solely responsible to handle all policy related requests, including complaints from Customer(s) in accordance with applicable laws.
• 4. Acceptance of claims under this Group Insurance Policy shall be the sole discretion of Digit and payment of claim amount and premium refund shall be remitted to the Customer(s)/beneficiary directly, except as otherwise agreed specifically.
• 5. DLSL is merely acting as a facilitator for assisting its Customer(s) through Dhani Platform to enrol/avail the Group Insurance Policy. Decision to enrol is customer’s own accord after having duly evaluated and assessed the terms and conditions, risks and benefits attached to the said Group Insurance Policy. It is clarified that neither DLSL nor TranServ are acting as an agent and/or an aggregator of/for Digit. DLSL and/or TranServ shall not be liable to the Customer for the services provided by Digit pursuant to the Group Insurance Policy issued.
• 6. Digit shall be solely responsible for settlement of disputes, whether such dispute relates to the Group Insurance Policy and/or default in servicing the Customer(s)/beneficiary for/under such insurance arrangement/Group Insurance Policy and/or any claim arising from such insurance arrangement/Group Insurance Policy. In no event shall DLSL and/or TranServ be held responsible/accountable and/or made party to such dispute/claim by Customer(s)/beneficiary against Digit and/or its director(s)/employee(s)/ associate(s), by whatsoever name called by.
• 7. DLSL and/or TranServ shall have no liability whatsoever for any direct or indirect or consequential loss, including, without limitation, loss of profit, revenue or goodwill for the services provided to the Customer(s) by Digit pursuant to the Group Insurance Policy.
• 8. For the exhaustive list of terms and conditions of the Group Insurance Policy, please visit Here

These policy wordings should be read in conjunction with the policy schedule/certificate of insurance issued to you.

Accidental Insurance Terms & Conditions

Welcome to the Digit Group Total Protect (Revision) Policy bearing UIN GODPAGP19107V011819 (“Group Insurance Policy”) being offered by Go Digit General Insurance Limited (“Digit”). We, Dhani Loans & Services Limited (formerly Indiabulls Consumer Finance Limited & IVL Finance Limited) (“DLSL”) are enabling our Customer(s) to enrol for the aforesaid Group Insurance Policy.

The benefits under the aforesaid Group Insurance Policy shall cover Customer(s) of DLSL who have consented to avail the said Group Insurance Policy from Digit by usage of Dhani Platform(s).

Customer(s) shall mean and include any person who has availed/is availing a loan facility from DLSL and/or accesses and uses the Dhani Platform for any services including Wallet, a payment product functionality operated and facilitated by registered prepaid payment instruments operator, TranServ Limited (TranServ).

Kindly be informed of the broad role of DLSL and TranServ whilst availing the aforesaid Group Insurance Policy offered by Digit:

• 1. The relationship between the Customer(s) and Digit with respect to the aforesaid Group Insurance Policy shall be governed by the policy schedule/certificate of insurance and policy wordings issued by Digit to you.
• 2. Digit shall settle claims, if any, raised as per the terms of the Group Insurance Policy.
• 3. Digit shall be solely responsible to handle all policy related requests, including complaints from Customer(s) in accordance with applicable laws.
• 4. Acceptance of claims under this Group Insurance Policy shall be the sole discretion of Digit and payment of claim amount and premium refund shall be remitted to the Customer(s)/beneficiary directly, except as otherwise agreed specifically.
• 5. DLSL is merely acting as a facilitator for assisting its Customer(s) through Dhani Platform to enrol/avail the Group Insurance Policy. Decision to enrol is Customer(s) own accord after having duly evaluated and assessed the terms and conditions, risks and benefits attached to the said Group Insurance Policy. It is clarified that neither DLSL nor TranServ are acting as an agent and/or an aggregator of/for Digit. DLSL and/or TranServ shall not be liable to the Customer for the services provided by Digit pursuant to the Group Insurance Policy issued.
• 6. Digit shall be solely responsible for settlement of disputes, whether such dispute relates to the Group Insurance Policy and/or default in servicing the Customer(s)/beneficiary for/under such insurance arrangement/Group Insurance Policy and/or any claim arising from such insurance arrangement/Group Insurance Policy. In no event shall DLSL and/or TranServ be held responsible/accountable and/or made party to such dispute/claim by Customer(s)/beneficiary against Digit and/or its director(s)/employee(s)/ associate(s), by whatsoever name called by.
• 7. DLSL and/or TranServ shall have no liability whatsoever for any direct or indirect or consequential loss, including, without limitation, loss of profit, revenue or goodwill for the services provided to the Customer(s) by Digit pursuant to the Group Insurance Policy.
• 8. For the exhaustive list of terms and conditions of the Group Insurance Policy, please visit Here
• 9. Customer hereby agree to avail insurance cover against Personal accident (Death +PTD +PPD) under Digit Group Total Protect (Revision) for self, arranged by Dhani Loans & Services Limited. from Go Digit General Insurance Limited. In the event of a claim arising under any of the insurance covers availed by customer and where customer have defaulted in loan repayment (as may be informed by Dhani Loans & Services Limited to Go Digit General Insurance Limited, Customer agree and authorize Go Digit General Insurance Limited to make payment of claim amount to Dhani Loans & Services Limited. to the extent of outstanding loan amount. Customer hereby declare that they have read policy terms and condition carefully.

Offers T&Cs

Terms and Conditions - Dhani Day Offer on Amazon

Welcome to Dhani Day Offer! Please read the following terms and conditions carefully before availing the Dhani Day Offer. By proceeding further, you agree to be legally bound by these Terms and Conditions (“Terms”).

1. DEFINITIONS

• User(s) or Customer(s) or You shall mean and include any person who accesses and uses the Dhani Platform for services provided thereon.
• Dhani Platform or “Dhani App” shall mean the mobile application(s) available on the Apple Store and/or Google Play Store and operated under the brand ‘Dhani’
• Credit Limit shall mean the credit limit sanctioned/provided on Dhani One Freedom Card under Dhani One Freedom Programme , the terms and conditions of the same may be accessed at One Freedom T&C

2. OFFER & OFFER PERIOD

• Offer: The Dhani Day Offer entitles a User(s) to receive cashback of 25% (twenty five percent) on each transaction executed by such User(s), only on Credit Limit usuage of Dhani One Freedom Card, on the Amazon shopping website/application available in “Shopping” tap on Dhani App. (“Cashback Benefit”).
• Offer Period: 1st July 2021, 12:10 am to 11:50 pm.

3. HOW TO AVAIL THE DHANI DAY OFFER ON AMAZON

• User(s) may log on to Dhani App on Dhani Day, as published from time to time and select/choose Amazon on the “Shopping” tab to shop and avail cashback benefits !
• A new User(s) may register to avail the benefits of the Dhani Day Offer by accepting the terms and conditions of the Dhani One Freedom Programme available at One Freedom T&C and thereafter follow the procedure mentioned in point (a) above.

4. Other Terms

• Dhani Day Offer will be available for User(s) on published day(s) on the Dhani App.
• Cashback Benefit shall be available only on Credit Limit usuage on shopping at Amazon except on reloading of Amazon Pay Wallet.
• Cashback earned on the transaction executed on Dhani Day Offer shall be credited in User(s)’ Dhani Pay wallet, within a period of maximum 24 hours from transaction(s).
• Please note for any decimal conversion, floor value will be used for the calculated amount. For example, if the cashback value comes out to be ₹100.45, cashback credited into the customer's wallet will be ₹100. If 25% of the transaction amount comes out to be less than ₹1, no cashback will be given for the said transaction.
• Awarding of Cashback is subject to Terms mentioned herein and is not guaranteed in any manner whatsoever.
• Cashback earned is non-transferable and is subject to the provisions of these governing terms.
• Dhani Day Offer cannot be clubbed/used in conjunction/alongside with any other offer(s), scheme(s), promotion(s), by whatever name called by, being offered on the Dhani App.
• The offer or any part thereof may be suspended, cancelled or revoked , prematurely withdrawn, changed, alter or modified at any time as deemed fit and/or for reason(s) including but not limiting to business exigencies and/or changes by a regulatory authority and/or statutory changes and the same shall be binding on the Customer(s).
• No responsibility for any claims arising out of technical failures before, during the Offer(s) or after the completion including but not limited to any technical failures in the mobile connectivity, delay in sending or receiving the SMS for participating in the Offer(s), any action that has been initiated, actioned or completed through his/her mobile phones, failure of servers or any failures arising out of technical snags or resultant inability of the Merchant and/or Customer(s), shall be entertained.
• We reserves the right, at any time, to modify, alter, or update these Terms and/or eligibility criteria. The User(s) shall be notified of such changes by email/sms or by a prominent notice on the Dhani Platform.
• This Offer(s) is subject to force majeure circumstances including without limitation, floods, natural disasters, war, act of terror, political unrests, technical snags, act of God, change of laws or any circumstance beyond the reasonable control of Dhani (“Force Majeure Event”). No liability shall arise for any delay or adverse effect caused to this Offer(s) owing to Force Majeure Event and intimation of suspension of Offer(s) caused as a result of such Force Majeure Event will be given to the Merchants within reasonable time.
• The Customer(s) shall indemnify and keep indemnified Dhani and its officers, directors, employees, customers, subsidiaries, affiliates and agents harmless from and against any and all claims, losses, suits, proceedings, action, liabilities, damages, expenses and costs (including attorney’s fees and costs) which we may incur, pay or become responsible as facilitator as a result of breach or alleged breach of the representations or obligations under the T&C hereunder, any failure by the Merchant to comply with applicable law and any third party claim in respect of misuse of any information of a third party. We shall have the right to defend ouself, pursuant to this Clause, at the cost of the Merchant.
• In event of Customer(s) providing any incorrect information or concealing/withholding any information including but not limiting to incorrect declaration of information relating to name, age, identity, address, mobile connection of Operator number, domicile etc., or dispute with the platform with intent to participate in the Offer(s) will lead to automatic disqualification, without any further intimation
• In event of fraudulent/suspicious transactions, Dhani reserves the right to revoke the offer(s) or disqualify the transaction(s), at its sole & absolute discretion.
• User(s) is solely responsible for any Govt. tax, Service tax, duty or other charge imposed by law in respect of the Dhani Day Offer, participation in the offer and any cashback earned.
• All disputes arising out of this offer shall be subject to the exclusive jurisdiction of competent courts of Mumbai.

Terms and Conditions of Dhani One Freedom Program

Welcome to Dhani One Freedom Program (“Dhani OFP”)! Please read the following terms and conditions carefully before subscribing to Dhani OFP, a purely voluntary programme. The Subscriber(s) of the Dhani OFP shall be entitled to:

1. Avail the benefits of Dhani One Freedom- Credit Line (Dhani OFCL) whereby the Subscriber(s) may utilise the credit limit sanctioned by DLSL for purchases made by them online and/or offline through the Dhani Pay Card.
2. Avail, the benefits of Dhani Doctor Plan (“Dhani Doctor”) offered by Dhani Healthcare Limited, including Services such as ordering medicines online, Doctor on Call/E-Consultation with Practitioner(s) and Diagnostic Services. The Terms and Conditions of the Dhani Doctor Plan, as applicable to the Subscriber(s) of the Dhani OFP may be accessed at: dhani.com/wp-content/uploads/2020/11/Dhani_Doctor_TC.pdf
3. Avail cashback of 2% (two percent)on each transaction executed by such Subscriber(s) on the Dhani App using the Wallet subject to a maximum cashback of INR 100/- (Rupees One Hundred Only) per month.

By proceeding with subscription to the Dhani OFP, you agree to be legally bound by these Terms and Conditions (“Terms and Conditions”).

1. DEFINITIONS
2. Dhani Loans and Services Limited (“DLSL”) means anon-deposit taking Non-Banking Financial Company having its registered office at M-62 & 63, First Floor, Connaught Place, New Delhi-110001 which is inter-alia engaged in the business of providing loan facilities/product(s).
3. Transerv Limited (“Transerv”) means a company incorporated under the Companies Act, 1956 and having its registered office at Unit 401 & 402, One International Center, 4th Floor, Tower -1, S. B. Marg, Elphinstone Road (W), Mumbai – 400013, Maharashtra. Transerv is prepaid payment instrument issuer licensed by Reserve Bank of India (RBI) and inter alia engaged in the business of providing the ‘API’ (Application Programming Interface) to facilitate ‘Beneficiary Validation Services (BVA)’. Transerv is also engaged in the business of providing technology services for facilitating payment transactions using mobile phones, internet, prepaid cards, mobile wallets, and any such payment tools available from time to time.
4. Dhani Healthcare Limited (formerly Pushpanjli Fincon Limited) (“DHCL”), is a company having its registered office at M-62 & 63, First Floor, Connaught Place, New Delhi-110001 which is inter-alia engaged in the business of rendering consultancy/advisory and other services via health portal, medical transcription centres, retail, e-commerce facilities, health consultancy and providing wholesale and/or retail trade all kinds of healthcare, pharmaceuticals, drugs etc.
5. User(s) shall mean and include any person who accesses and uses the Dhani Platform for any services provided thereon.
6. Subscriber(s) mean User(s) who agree to subscribe Dhani One Freedom Program on Dhani Platform.
7. Wallet shall mean Dhani Pay digital wallet, available on the Dhani Application.
8. “Dhani Application” shall mean the mobile application(s) available on the Apple Store and/or Google Play Store and operated under the brand ‘Dhani’
9. Dhani Platform shall mean and include all digital footprint, mobile application(s) and website(s) of DLSL and/or TranServ viz. dhani.com and/or www.dhanipay.in operated under the brand ‘Dhani’ or ‘DhaniPay’
10. Dhani OFCL means a credit limit sanctioned by DLSL to the Subscriber(s) of the Dhani One Freedom Program whereby such Subscriber(s) may utilise the credit limit sanctioned under the Dhani OFP for purchases made by them online and/or offline through the Dhani Pay Card.
11. Subscription Program means the program offered under the Dhani One Freedom Program whereby the Subscriber(s) shall have the option to choose/select/avail a particular Subscription Plan(s) out of the plans so offered.
12. Subscription Plan(s) means the plan(s) offered to Subscriber(s) under the Subscription Program. The Subscriber(s) shall have an option to select/opt the desired Subscription Plan(s) as displayed in the Subscription Program on the Dhani App from time to time. Upfront Subscription Fee, as applicable, is payable to avail the benefit(s) of the credit limit offered under such Subscription Plan(s) opted by the Subscriber(s). Non-payment of the Subscription Fee shall disentitle the Subscriber(s) to avail the credit limit offered under such Subscription Plan(s). The subscription to a specific Subscription Plan(s) is independent of any previous subscription availed by the Subscriber(s) under the Subscription Program.
13. Subscription Fee means the monthly fee payable by a Subscriber(s) to avail the benefits of the Dhani One Freedom Program. The Subscription Fee is variable & dependent upon the Subscription Plan(s) selected/chosen/subscribed/opted by the Subscriber(s).
14. A User(s) must complete full KYC to subscribe and avail the benefits of Dhani OFP. The User(s) by registering payment mode agrees to the prevailing Payment Policy, which can be accessed at www.dhanipay.in.
15. The Subscription Fee shall be levied on the Subscriber(s) on a recurring monthly basis on auto renewal basis unless the Subscriber(s) cancels the auto-renewal at least 24 hours prior to the end of the billing cycle i.e. prior to the end of the 30^th day from the date of the subscription payment.
16. Subscription to Dhani One Freedom Program also entitles a Subscriber(s) to receive additional benefit of cash back of 2% (two percent) on each transaction executed by such Subscriber(s) on the Dhani App using the Wallet subject to a maximum cashback of INR 100/- (Rupees One Hundred Only) per month.
17. For every transaction done by the Subscriber(s) through the Dhani App and/or by using his/her Dhani Pay Card online at merchant locations, the Subscriber(s) shall have the option to make payment from his/her Dhani Pay Wallet. The balance amount, if any, payable by the Subscriber(s) after exhaustion of the amount lying in his/her Wallet, shall be converted into 3 EMI’s. In the event Subscriber(s) executes transaction(s) by using the Dhani Pay Card offline at Merchant Location, then post exhaustion of amount available in his/her Dhani Pay Wallet, the remaining balance amount, if any, payable by the Subscriber(s) shall  automatically convert into EMI  without any specific authorisation by such Subscriber(s) in respect of such conversion. The first EMI shall become due payable on the next day of the transaction executed by the Subscriber(s). The subsequent two EMIs shall become due and payable on same date of the next two consecutive months. For every transaction executed by the Subscriber(s) as the end of a month i.e. on 29^th or 30^th or 31^st, the first EMI shall become due and payable on the next day of the transaction, while the remaining two EMIs shall become due and payable on the 1^st day of the next two consecutive months. In case the Subscriber(s) fails to make payment of the first EMI (or any subsequent EMI), then the Subscriber(s)’ Dhani OFP shall stand blocked/suspended/inactivated till the time the EMI is paid through the Dhani App.
18. DLSL may, in its sole and absolute discretion, limit the maximum value of Dhani OFCL that may be utilised by a Subscriber(s) per transaction. Further, DLSL may, in its sole and absolute discretion, also limit the number of transactions that a Subscriber(s) may be entitled to execute in a day under Dhani OFCL.
19. No refund of Subscription Fee shall be done on cancellation/revocation/opting out of Dhani OFP subscription. The Subscriber(s) agrees and understands that he/she shall not be entitled to cancel/rescind the subscription of Dhani OFP and shall continue to pay the Subscription Fee till the time the loan availed by such Subscriber(s) is repaid and/or any outstanding amount payable by such Subscriber(s) is paid in full to DLSL.
20. Awarding of Cash Back is subject to Terms mentioned herein and programme/offer which is subject to changes & not guaranteed in any manner whatsoever
21. Dhani OFP offer cannot be clubbed with any other offer, scheme, promotion, by whatever name called by, being offered on the Dhani App.
22. DLSL may, in its sole and absolute discretion suspend/cancel/revoke/rescind/inactivate/limit the Dhani OFP offered by it and/or all or any benefits/facilities including Dhani OFCL, Dhani Doctor (offered by DHCL), DhaniCashback Card(offered by Transerv Limited) at any time as it deems fit, without any liability in regard to refund of Subscription Fee. DLSL, in its sole and absolute discretion, reserves the right to revoke/rescind/alter/inactivate/change/modify(increase or decrease) the credit limit sanctioned to a Subscriber(s). DLSL also reserves the right to alter the tenure of the limit sanctioned to a Subscriber(s).
23. The Subscriber(s) understands that he/she may select and avail/opt for Subscription Plan at his/her discretion. The Subscriber may opt/avail a particular credit limit, subject to the maximum credit limit allowed per transaction and also subject to the maximum number of transactions allowed per day, offered to such Subscriber(s) by DLSL under Dhani OFCL.
24. The Subscriber(s) further understands & acknowledges that he/she may opt for revised credit limit (as per the Subscription Plan) before the next billing cycle, subject to the maximum credit limit allowed per transaction and also subject to the maximum number of transactions allowed per day, so offered to such Subscriber(s) by DLSL under Dhani OFCL.
25. By subscribing to Dhani OFP, the Subscriber(s):
    • warrants the accuracy, truthfulness, currency and correctness of all information that the Subscriber(s) may have submitted;
    • agrees that the subscription to Dhani OFP has been made voluntarily, after fully understanding the programme and terms associated with it, solely at his/her own risk & is independent in nature ;
    • warrants that subscription to the Dhani OFP shall be deemed to be acceptance of terms & conditions contained herein;
    • warrants that he/she has attained at least 18 years of age and possess the legal authority to create a binding legal obligation;
    • the usage of the Dhani Platform/Dhani OFP shall be in accordance with the applicable Terms and Conditions ;
    • Dhani Platform/Dhani OFP shall be used to perform legitimate actions for himself/herself or for another person for whom he/she is legally authorized to act;
    • Continued use or subscription of the Dhani OFP following the posting of changes to the Terms and Conditions shall be deemed acceptance of the said changes by the Subscriber(s).
    • Acknowledges that the Subscription Plan offered under Dhani OFP is subject to applicable Government notifications, rules, regulations and guidelines/circulars issued by competent authorities that may be in force from time to time.
    • Understand and agrees that non-utilisation of subscription plan doesn’t entitle him/her/it for refund and/or adjustment of Subscription Fee paid under said Subscription Plan.
    • Is entitled to upgrade to a higher category Subscription Plan and/or switchover from one Subscription Plan to another under the Subscription Program by giving request for upgradation/opting for desired Subscription Plan, subject to the approval DLSL.

14. 14. DLSL or TranServ retains the right at its/their sole and absolute discretion to deny access to anyone to Dhani Platform and/or the services offered, at any time and for any reason whatsoever, including, but not limited to for violation of the Terms and Conditions. The Subscriber(s) agrees and understands that Transerv reserves the right to suspend or inactivate the Dhani Pay Card as a risk mitigation measure and take all actions it deems fit and available to it under law
15. Dhani OFP shall be governed by terms and conditions of the programme which are subject to modification, alteration and/or updation. User(s)/Subscriber(s) shall be notified of such changes/updation/modification by a prominent notice on the Dhani Platform. Subscriber(s) needs to complete the full KYC process to be able to avail of the benefits of Dhani OFP.
16. Subscriber(s) is solely responsible for any Govt. tax, Service tax, duty or other charge imposed by law in respect of the Dhani OFP.
17. All questions or disputes regarding eligibility for Dhani OFP and/or Dhani OFCL and/or eligibility for cash back shall be determined by DLSL at its sole and absolute discretion.
18. DLSL’s failure to enforce a particular term or condition does not constitute any waiver of that term or condition.
19. This agreement is only for availing the Dhani OFP and independent in nature. Further it does not in any way waive, amend or override any of the Terms and Conditions of any existing Agreement(s) of the Subscriber(s) with DLSL.
20. All disputes arising out of Dhani OFP shall be subject to the exclusive jurisdiction of competent courts of Delhi.
21. Nothing contained herein shall be construed as a binding obligation on DLSL its associates/ subsidiaries to continue the Dhani OFP after it is terminated/ discontinued or to substitute it with any other similar or new program/plan/credit line/offer. DLSL expressly reserves the right, at any time and without prior notice to the Subscriber(s), to add, alter, modify, change or vary all or in part, or withdraw altogether the Dhani OFP offer without specifying any reasoning.
22. The content and information on this Dhani Platform, as well as the infrastructure used to provide such content and information, is proprietary to DLSL. The User(s)/Subscriber(s) are licensed to use Dhani Platform solely for the purpose set out above. Users/Subscribers are not permitted to copy Dhani Platform, in any manner or form. While user may make limited copies of transaction related documents for products or services purchased or exchanged through Dhani Platform, User(s)/Subscriber(s) agree not to otherwise modify, copy, distribute, transmit, display, perform, reproduce, publish, license, reverse engineer, create derivative works from, transfer, or sell or re-sell any information, software, products, or services obtained from or through Dhani Platform.
23. Subscriber(s) agree not to:
    • make any speculative, false, or fraudulent claims about his/her membership to any credit limit offer or make any speculative, false, or fraudulent reservation or any reservation in anticipation of demand;
    • access, monitor or copy any content or information of Dhani Platform using any robot, spider, scraper or other automated means or any manual process for any purpose without express written permission of DLSL;
    • violate the restrictions in any robot exclusion headers on Dhani Platform or bypass or circumvent other measures employed to prevent or limit access to Dhani Platform;
    • take any action that imposes, or may impose unreasonable or disproportionately large load on DLSL and/or Transerv infrastructure;
    • deep-link to any portion of Dhani Platform for any purpose without express written permission of DLSL and/or Transerv; or
    • “frame”, “mirror” or otherwise incorporate any part of Dhani Platform into any other website without prior written & explicit authorization from DLSL;
    • Subscriber(s) expressly gives his/her specific & unequivocal & free consent that the full KYC completed by the Subscriber(s) herein for availing Dhani OFP/Dhani OFCL offered by DLSL may be utilised by DLSL’s associates, sister concerns or Group Companies for offering product(s) launched and/or marketed and/or facilitated by DLSL and/or its associates and/or Group Companies to the Subscriber(s).
    • DLSL and/or its associates, sister concerns or Group Companies may use Subscriber(s) personal, transactional and other Dhani Platform level information for the purpose of promotional activities without any additional consent from or compensation to the Subscriber(s). Subscriber(s) consent to receive transactional, commercial and marketing communications both related to their products and services generally, from DLSL and/or its associates, sister concerns or Group Companies electronically, except in those jurisdictions where Subscriber(s) express consent is required to be received commercial or marketing communications electronically. Commercial and marketing communications may include notifications about relevant special offers or opportunities or products given by DLSL and/or its associates, sister concerns or Group Companies. In such event, DLSL and/or its associates, sister concerns or Group Companies shall send the Subscriber(s) commercial or marketing communications electronically only if the Subscriber(s) has provided his/her express consent by proactively opting-in to receive such communications from DLSL and/or its associates, sister concerns or Group Companies regarding its products and services. This offer will be void in any State where conducting such offer is prohibited under applicable laws.