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The Most Important Terms and Conditions mentioned herein below are an indicative list of terms and conditions of DLSL’s personal loan product. These terms and conditions are further described in our Loan Agreement under relevant sections / schedules and therefore, should be read in conjunction with those mentioned in the Loan Agreement. For an exhaustive list of terms and conditions of our personal loan product, please refer to the loan agreement available on mobile application or website or sent to you by DLSL on your registered email id.
Customer shall be provided with facility to lodge his grievances for redressal through specifically made e-mail id available on the website of company. DLSL have established a system where by access to the complaint handling process is made available free of charge to our customers.
If the customer wants to make a complaint, he/she shall be suitably advised as to
In the normal course of business, the Customer can reach DLSL either by visit to the nearest branch or by phone through our Helpline: 0124-6555-555 (8AM to 8PM) or by e-mail to firstname.lastname@example.org, or lodge complaints by email to email@example.com
If the complainant is not satisfied with the reply provided by the customer care department, may escalate to his/her complaints to higher authority as below:
|FIRST LEVEL||Customers are requested to visit, call or write to the nearest branch of DLSL. Name of Branch Head: Contact details : Phone, email and full address:|
If not attended within 7 working days, lodge a complaint through customer help line no. 0124 6555 555 (8AM to 8PM)
Or send an email at firstname.lastname@example.org, or visit our website to lodge an online complaint,
Or Write to Head of Customer Care at: Dhani Loans & Services Limited., 4th Floor, Indiabulls Centre,
Tower-1, Senapati Bapat Marg, Elphinstone-West, Mumbai-400013.
If the complaint is not resolved satisfactorily within 15 working days, customer can contact our principal nodal officer at:
Mr. Sanjeev Kashyap
Indiabulls Consumer Finance Limited
ASF Towers, Tower A, Plot no 249 D and E Udyog Vihar, Phase IV Gurugram- 122016 (Haryana)
If the complaint is not redressed satisfactorily within 30 working days, customer may directly write to the office of Ombudsman of their respective region. Region wise contact details of Ombudsman are as under:
*Board of Directors/Committee of the Board shall periodically review grievance redress process as well as issue instructions in the matter so that customer gets expeditious and fair resolutions of his grievances.
Program Terms and Conditions - Dhani Credit Line
At Indiabulls Consumer Finance Limited(formerly IVL Finance Limited and Shivshakti Financial Services Limited), a company incorporated under the provisions of Companies Act, 1956, having our registered office at 1/1 E, First Floor, East Patel Nagar, New Delhi – 110 008 and having corporate identity number U74899DL1994PLC062407, hereinafter referred to as “IBCFL”, we value your trust and respect your privacy.
II Personal Information
Personal Information, means and includes, all information that can be linked to a specific individual or to identity of any individual, including but not limited to, name, address, mailing address, telephone number, email ID, bank account details including details linked to credit/debit payment instruments, information about your mobile phone, any details that may have been voluntarily provided by the customer, whether to Unique Identification Authority of India (UIDAI), Credit Information Bureau of India Limited (CIBIL) or any other agency including any other Credit Information Companies.
Information obtained with consent from your mobile device like device location, device information (including storage, model, installed apps, wifi, mobile network) transactional and promotional SMS, communication information including contacts and call logs
III Use of Personal Information
We use personal information to provide you with personal loan you explicitly requested for, to resolve disputes, troubleshoot concerns, help promote safe services, assess your interest in our services, inform you about offers, products, services, updates, customize your experience, detect and protect us against errors, fraud and other criminal activity, enforce our terms and conditions, etc. We may also use your personal information to send you offers regarding various services/facilities which IBCFL or its group companies may, from time to time, launch. We may occasionally ask you to complete optional online surveys. These surveys may ask you for contact information and demographic information (like zip code, age, gender, etc.). We use this data to customize your experience at IBCFL.
We will not voluntarily disclose your personal information to any third party but in exceptional circumstances, we may do so if we are required by a court order, by Government Authorities, by law enforcement authorities or by other legal processes or where it becomes necessary to do so to protect the rights or property of IBCFL and/or its group companies/affiliates, etc. We may also disclose your information to a third party as part of a merger or transfer or any restructuring.
A “cookie” is a small piece of information stored by a web server on a web browser so it can be later read back from that browser. IBCFL uses cookie and tracking technology depending on the features offered.No personal information/ data/details will be collected via cookies and other tracking technology; however, if you previously provided personally identifiable information, cookies may be tied to such information. Aggregate cookie and tracking information may be shared with third parties.
VI Password policy
Do help us protect your privacy by maintaining the secrecy of the username and password you use for any of our Services.
VIII Consent To International Transfer Of Data
IX Data Retention
We take reasonable steps to ensure that information about you is available only for so long as is necessary for the purpose for which it is processed, or longer if required under any contract, by applicable law, or for statistical purposes, subject to appropriate safeguards.
X Third-Party Links And Content On Our Services
Our Services may link to third-party websites and services that are outside our control. Further, IBCFL, its group companies, its affiliates, and their directors and employees (“IBCFL Group”) accept no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential, punitive, or exemplary loss, damage or expenses) from your use of any mobile application or any site or inability to use by any party, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, omission, interruption, imperfection, fault, mistake or inaccuracy with any mobile or online application, its Contents (material, information, data, money market movements, news items, etc.) or associated services, or due to unavailability of any application or any part thereof or any Contents or associated services even if IBCFL Group are advised of the possibility of such damages, losses or expenses.
XI Intellectual Property Rights
Please note that IBCFL retains all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this web site (including all texts, graphics and logos).
Kindly note that IBCFL does not collect personal information about individuals except when such individuals specifically provide such information on a voluntary basis. Upon such voluntary disclosure of personal information, we may further verify, collate or receive information about you from publicly and commercially available sources (as permitted by law), which we may combine with other information we receive from you. We may also receive information about you from third-party social networking services if you are already connected with those services. IBCFL shall, at all times, ensure to implement reasonable security practices and procedures (such as managerial, operational, physical and technical) for the purpose of protection and safeguarding of your personal data and information as the same is of vital importance to IBCFL . At IBCFL, we are strongly committed to protecting the personal and financial information that you submit to us. Personal information of individual users will not be sold or otherwise transferred to unaffiliated third parties without your approval at the time of collection. However, please note that although we take reasonable steps to protect your information, no website, internet transmission, computer system or wireless connection is completely secure.
Your information/inputs/queries as a registered user are required to serve you better and the same shall not be shared with anyone without your consent. However, we may disclose your personal data to agents or contractors of IBCFL and/or its group companies/affiliates to enable processing of transactions or communications with you “on need” basis. Your aforesaid information may be further used for assessment and analysis of our market, customers, products, and services and to understand the way people use our Services so that we can improve them and develop new products and services. However, it shall be on the basis that the agents are required to keep the information confidential and will not use the information for any other purpose other than to carry out the services they are performing for IBCFL and/or its group companies/affiliates.
XIV No contractual obligation
This Agreement, sets forth the terms and conditions that apply to use of this site (www.dhani.com) and all sub sites that reside under the site (collectively "Indiabulls Sites"), by a Subscriber. "Subscriber" means each person who establishes or accesses a connection ("Account") for access to and use of the Indiabulls Sites.
Restrictions on use
The Indiabulls Sites are owned and operated by Indiabulls Financial Services Limited, an Indiabulls group company, and contains material which is derived, in whole or in part, from material supplied by the Company, its group companies, various news agencies and other sources (including content partners), and is protected by international copyright and trademark laws. The restrictions on use of the material and content on the Indiabulls Sites by the Subscriber are specified below. Except where specifically authorised, the Subscriber may not modify, copy, reproduce, republish, upload, post, transmit or distribute in any way any material from the Indiabulls Sites including code and software.
By using the Indiabulls Sites, Subscriber agrees to comply with all of the terms and conditions hereof. The right to use the Indiabulls Sites is personal to Subscriber and is not transferable to any other person or entity. Subscriber is responsible for all use of Subscriber's Account (under any screen name or password) and for ensuring that all use of Subscriber's Account complies fully with the provisions of this Agreement. Subscriber shall be responsible for protecting the confidentiality of Subscriber's password(s), if any.
TThe Company shall have the right at any time to change or discontinue any aspect or feature of Indiabulls Sites, including, but not limited to, content, hours of availability and equipment needed for access or use.
Changed Terms: The Company shall have the right at any time to change or modify the terms and conditions applicable to Subscriber's use of the Indiabulls Sites, or any part thereof, or to impose new conditions, including but not limited to, adding fees and charges for use. Such changes, modifications, additions or deletions shall be effective immediately upon notice thereof, which may be given by any means, including but not limited to, posting on the Indiabulls Site, or by electronic or conventional mail, or by any other means by which Subscriber obtains notice thereof. Any use of the Indiabulls Site by Subscriber after such notice shall be deemed to constitute acceptance by Subscriber of such changes, modifications or additions.
Subscriber shall be responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed for access to and use of the Indiabulls Sites and all charges related thereto.
Disclaimer of Warranty: Limitation of Liability
Subscriber expressly agrees that use of Indiabulls Sites is at Subscriber's sole risk. Neither the Company, its affiliates nor any of their respective employees, agents, third party content providers or licensors warrant that Indiabulls Sites will be uninterrupted or error free; nor do they make any warranty as to the results that may be obtained from use of Indiabulls Sites, or as to the accuracy, reliability or content of any information, service, or merchandise provided through Indiabulls Sites.
Indiabulls Sites is provided on an "As Is" basis without warranties of any kind, either express or implied, including, but not limited to, warranties of title or implied warranties of merchantability or fitness for a particular purpose, other than those warranties which are implied by and incapable of exclusion, restriction or modification under the laws applicable to this agreement.
This disclaimer of liability applies to any damages or injury, caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortious behavior, negligence, or under any other cause of action. In no event will the Company, or any person or entity involved in creating, producing or distributing Indiabulls Sites or the Indiabulls Sites software, be liable for any damages, including, without limitation, direct, indirect, incidental, special, consequential or punitive damages arising out of the use of or inability to use Indiabulls Sites. Subscriber hereby acknowledges that the provisions of this section shall apply to all content on Indiabulls Sites.
In addition to the terms set forth above neither the Company, nor its affiliates, information providers or content partners shall be liable regardless of the cause or duration, for any errors, inaccuracies, missions, or other defects in, or inauthenticity of, the information contained within Indiabulls Sites, or for any delay or interruption in the transmission thereof to the user, or for any claims or losses arising therefrom or occasioned thereby. None of the foregoing parties shall be liable for any third-party claims or losses of any nature, including, but not limited to, lost profits, punitive or consequential damages. The Company, its affiliates, information providers or content partners shall have no liability for investment decisions based on the information provided. Neither, the Company, nor its affiliates, information providers or content partners warrant or guarantee the timeliness, sequence, accuracy or completeness of any information.
Welcome to Dhani Doctor Plan (“Dhani Doctor”), a purely voluntary programme facilitating online healthcare service(s) by Dhani Healthcare Limited (formerly Pushpanjali Fincon Limited) (“DHCL”)!
We, Dhani Loans & Services Limited (formerly Indiabulls Consumer Finance Limited & IVL Finance Limited) (“DLSL”) are merely enabling our Customer(s) to enrol for the aforesaid Dhani Doctor Plan being issued by DHCL. The benefits under the Dhani Doctor shall ensure for the benefit of such Customer(s) of DLSL who have consented to avail the said Plan by usage of Dhani Platform(s).
PART A: GENERAL TERMS
2. APPLICABILITY OF TERMS
The Agreement applies to the following:
3. ELIGIBILTY: The User(s) and/or Subscriber(s) must be 18 years of age or older to use or subscribe the Services offered under Dhani Doctor in any manner. By using the Services or accepting these Terms and Conditions, the User(s) and/or Subscriber(s) represent and warrant to Dhani Doctor that he/she is 18 years of age or older, and that he/she has the right, authority and capacity to use the Dhani Doctor and agree to and abide by these Terms and Conditions. The User(s) and/or Subscriber(s) also represent and warrant to DHCL as also DLSL that he/she will use Dhani Doctor in a manner consistent with any and all applicable laws and regulations in addition to these Terms and Conditions. Subscriber(s) understands that all questions or disputes regarding eligibility for Dhani Doctor shall be determined by DHCL at its sole and absolute discretion.
4. SERVICES: The following services (“Services”) are offered under Dhani Doctor, which may include without limitation:
The use of any of the Services specified above shall be subject to such Specific Terms which are applicable to each specific service further prescribed under these Terms and Conditions.
The Subscriber(s) acknowledges and agrees that DLSL/DHCL retains the right to constantly modify, update, alter and improve its Services, including adding or removing functions, features, requirements, suspension or stopping a Service all together. The Subscriber(s) may be notified of such changes by email at the address they got registered as a Subscriber(s) or by a prominent notice on the Dhani Platform
5. SUBSCRIPTION AND SUBSCRIPTION FEE
6. Subscriber(s) agrees not to:
7. OWNERSHIP OF MATERIALS AND LICENCE TERMS
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(s)/Subscriber(s) 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.
8. ACCESS TO DHANI PLATFORM/DHANI DOCTOR PLAN
DLSL retains the right at its 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.
Dhani Doctor Plan is provided to Subscriber(s)/User(s) with intent to facilitate consultation services for genuine medical concern(s) of the Subscriber(s) and/or User(s). In event of use of foul language and/or failure to adhere to decency and/or use of threatening tone/gesture or abuse by the Subscriber(s) and/or User(s), DHCL retains the right at its sole and absolute discretion to deny access to anyone to the Services on account of such misconduct.
9. PRIVACY AND DATA SHARING
Nothing contained herein shall be construed as a binding obligation on DLSL/DHCL, its associates/ subsidiaries to continue the Dhani Doctor after it is terminated/ discontinued or to substitute it with any other similar or new plan. DLSL/DHCL 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 Doctor without specifying any reason.
11. LIMITATION OF LIABILITY
In no event shall DLSL or entity owning or housing the platform and DhaniPay platform, its officers, directors, employees, or agents, be liable to User(s) and/or Subscriber(s) 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 User(s) and/or Subscriber(s)r access to and use of the platform and Dhani Pay platform, (iii) any unauthorized access to or use of DLSL’s and/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 Dhani Platform & and Dhani pay platform.
The maximum aggregate liability of DLSL and/or DHCL’s arising out of or in connection with Dhani Doctor shall be limited to the cost of the products purchased or services availed by the User(s) and/or Subscriber(s) or subscription fee.
No delay or decision not to enforce rights under these terms and conditions will constitute a waiver of the right to do so and will not affect rights in relation to any subsequent breach. DHCL’s and/or DLSL’s failure to enforce a particular term or condition does not constitute any waiver of that term or condition. This agreement is only in respect of Dhani Doctor 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 DHCL.
14. FORCE MAJEURE
DLSL & DHCL shall not be liable and to the extent, that the performance or delay in performance of any of its obligations are prevented, restricted, delayed or interfered with due to circumstances beyond the reasonable control and without the fault or negligence of such Party, including but not limited to change in legislation, fire, flood, explosion, epidemic, accident, act of God, pandemic, war, riot, strike, lockout, traffic or other concerted act of Practitioner/workmen and/or act of Government. DLSL may at its sole discretion withdraw the Services or Products if a Force Majeure event occurs.
15. THIRD PARTY RIGHTS
Nothing in these Terms and Conditions is intended to nor shall it confer a benefit on any third party who is not a party to these Terms and Conditions and such third party has no rights to enforce them.
16. GOVERNING LAW AND DISPUTE RESOLUTION
These Terms and Conditions shall be governed in all respects by the laws of India and any legal proceeding arising out of these Terms and Conditions shall be subject to exclusive jurisdiction of the courts located in Delhi, India.
17. Grievance Redressal
DHCL has in place grievance redressal mechanism to address any queries or grievances that the Subscriber(s)/User may have for use of the Service(s), which can be assessed at __________________.
PART B: SPECIFIC TERMS
1. Ordering Medicine(s) Online Eligibility
Online orders are accepted for purchase of medicines from and dispatch of such orders to addresses is effected in selected locations in India as mentioned on the Dhani Platform. It is understood that the Subscriber(s) is over 18 (eighteen) years of age and is accessing this feature on the Dhani Platform, after having read, understood and agreed upon the Terms and Conditions of the Agreement. If the User(s) and/or Subscriber(s) is the parent/legal guardian/authorised person for the patient, such Subscriber(s) affirms that he/she is over the age of majority, and has full authority to sign for and provide the above representations to DHCL/ DLSL and/or its affiliates on the Patient’s behalf.
DLSL assumes no liability if the User(s) and/or Subscriber(s) has shared his/her login id and password and a third party is placing order on behalf of his/her behalf. The User(s) and/or Subscriber(s) shall be solely liable for all the mishaps caused from the usage of his/her account on the Dhani Platform.
It is imperative for the User(s) and/or Subscriber(s) to seek
professional advice from his/her practitioner(s) before
purchasing/ordering or consuming any medicine and
DLSL/DHCL assumes no responsibility or liability in this regard.
Subscriber(s) may purchase medicines and/or other healthcare products (“Product(s)”) made available under Dhani Doctor on the Dhani Platform. However, certain Product(s) may be purchased only upon submission of valid prescription on the Dhani Platform (“Prescription Orders”). Further, the Products available for purchase under Dhani Doctor on the Dhani Platform may include Product(s) manufactured by third parties. All Product(s) available on the Dhani Platform are subject to availability of stock and DHC may cancel any order if the Product(s) becomes unavailable after an order placed.
The images of the Product(s) displayed on Dhani Doctor are for graphic and illustrative purposes, the actual Product(s) delivered may vary from the images displayed.
DHCL shall not dispense any Prescription Orders without a valid prescription from a licensed practitioner(s). DHCL and/or DLSL may, at its discretion, share the User(s)’ and/or Subscriber(s)’ prescription and other pertinent information with a third-party network of certified medical doctors. In case of Prescription Orders, the User(s) and/or Subscriber(s) hereby confirms that he/she will send DHCL a scanned copy of his/her valid prescription(s).
The drug information provided is for informative purposes only and this app is not intended to provide diagnosis, treatment or medical advice. DLSL and/or DHCL is not liable for any adverse effects or harm to any User(s) and/or Subscriber(s) as a result of his/her User(s) and/or Subscriber(s) reliance on the information available on the Dhani Platform.
By use of the services, Subscriber(s) acknowledges that such use
is at his/her sole risk,
including responsibility for all costs associated with all necessary servicing or repairs of any equipment he/she uses in connection with these Services.
No order placed by User(s) and/or Subscriber(s) will be binding until the Subscriber has received confirmation by phone, email or in writing. DLSL/DHCL reserves the right to reject any order. In the event any Product(s) ordered by User(s) and/or Subscriber(s) is not available, DLSL/DHCL shall endeavour to contact User(s) and/or Subscriber(s) on the contact information provided by User(s) and/or Subscriber(s) in Subscriber(s) Account.
DHCL reserves the right to set quantity-per-order limits on any and all items sold under Dhani Doctor on the Dhani Platform. It may also limit the item quantity available to any single person or household over a given period of time. These restrictions may be applied to orders using the same credit card or billing or shipping address.
Dhani Doctor is an offering on Dhani Platform, which provides technology to ensure Subscriber(s) can order medicines and deliver them to such Subscriber(s). DHCL is not the manufacturer of the medicines and all the orders are merely routed for delivery through it through its representatives or agents. Should there be any issue/mishaps
with regard to the same then DHCL and/or DLSL shall not be liable.
DHCL does not accept orders for Prescription Orders, unless the same is prescribed by the registered medical practitioner licensed by the Medical Council of India and from whom consultancy is sought on Dhani Doctor. DHCL does not verify the authenticity of the orders placed by User(s) and/or Subscriber(s), where the prescriptions are received directly from a registered medical practitioner licensed by the Medical Council of India and from whom consultancy is sought on Dhani Doctor, who has placed the order on Subscriber(s)’ behalf after his/her authorization.
On receipt of an original prescription from Subscriber(s),
DHCL’s pharmacist shall verify it against the information
provided to it at the time the order was placed. Subscriber(s)
may be contact in event of the information of original order
doesn’t match with the prescription. In case the User(s) and/or
Subscriber(s) cannot be contacted and is unable to dispense the
item(s) on User(s)’ and/or Subscriber(s)’ Prescription Order,
DLSL/DHCL reserves the right to cancel such order.
If User(s) and/or Subscriber(s) places a Prescription Order and DLSL/DHCL does not receive the relevant original prescription, it shall not have any liability to dispense the Prescription Order to User(s) and/or Subscriber(s) and it will be User(s) and/or Subscriber(s)’ responsibility to contact DLSL within 7 days regarding such Prescription Order.
Validation of prescription services through our partner Practitioner(s) (as defined below) shall be made available, free of cost, to the User(s) and/or Subscriber(s) only upon request of the User and in the following situations:
The Subscriber(s) understands and agrees that the validation of prescription services provided herein are only on request and are intended for general purpose only and should not be used in case of medical emergencies and serious illness issue where
physical consultation is recommended and at no point these services are intended to replace the physical consultation. The Subscriber(s) also agrees and understands that for providing the validation of prescription service, DHCL will have to share the prescription with its partner Practitioner(s) and by requesting the services the Subscriber(s) confirms its consent to share his/her prescription with the Partner Practitioner(s). Upon the request of the Subscriber(s), the prescription shall be shared with the Partner Practitioner(s) and post consultation or review of the prescription, if the Practitioner(s) deems fit, he/she may validate the prescription shared with him/her. However, at all times the Practitioner(s) has the discretion to refuse consultation or validation of the prescription if the Practitioner(s) is of the opinion that a physical consultation is required before a prescription is validated.
Subscriber(s) agree that the Practitioner(s) will use the
technology of DLSL for rendering
the above services and they share the information with DLSL of its affiliated partners for rendering the Services.
All Products will be delivered at the address provided by
Subscriber(s) in his/her Account or any other alternate address
as specified by Subscriber(s) at the time of placing the Order.
The delivery may be made by the personnel appointed by DHCL or
by any third party service provider engaged by DHCL for such
purpose. The Subscriber(s)’ acknowledges that the personal
information is shared with the delivery executive on a ‘need to
know’ basis as may be relevant for completing the delivery of
Any timelines for delivery specified are a genuine pre-estimate of time required for completing the delivery of the Product(s). Subscriber(s) acknowledge and agree that actual delivery may be delayed and take longer than the delivery timeline. However, Subscriber(s) will be kept informed of his/her order status as may be appropriate from time to time.
Subscriber(s) acknowledge and accept that all Product(s) delivered shall be verified by Subscriber(s) for accuracy and apparent damage at the time of delivery. Subscriber(s) (or their authorized representative(s)) will be required to sign a delivery confirmation on receipt of the Product(s) ordered. Subscriber(s) may reject the receipt of Product(s) in the event the Product(s) delivered are not in accordance with the order placed by him/her or are damaged at the time of delivery.
In the event that the packaging of Product(s) is opened after delivery, neither DHCL nor DLSL shall have any liability for lost or damaged items.
Pricing and Payments
The Product(s) subject to availability and prices include all
applicable statutory taxes, fees and. DHCL makes every endeavour
so that the pricing and availability of Product(s) on Dhani
Doctor is accurate and up to date. However, rarely, there may be
an error on the pricing of a Product(s) or an error related to
Product(s) availability. In such cases, DLSL/DHCL shall not be
responsible for any typographical errors and it reserves the
right to cancel the sale.
DHCL also reserves the right to correct any inaccuracies or omissions related to pricing and Product(s) availability/descriptions, even after the Subscriber(s) has submitted his/her order, and to change or update any other information at any time without prior notice.
Subscriber(s) may make the payments for the Product(s) ordered using various payment methods made available on the Dhani Platform which may include without limitation, Dhani Wallet, credit card, debit cards or Dhani Healthline Credit Facility,UPI etc. The Subscriber(s) shall not dispute or hold DHCL and/or DLSL liable for any loss or damage caused to him/her owing to the non-availability any particular payment method on the Dhani Platform. The payments on Dhani Platform are facilitated by a third party
payment gateway and the terms and conditions of such third party payment gateway shall be applicable to the payments made on the Dhani Platform. DLSL and DHCL shall not be responsible for any errors, delay or failure of payments which are attributable to the third party payment gateway.
All discounts offered on Dhani Doctor are at the sole and absolute discretion of DHCL. DLSL/DHCL reserves the right to withdraw any offer or discount made available on the Dhani Doctor.
Dhani Platform offers for purchase various Product(s) which are manufactured by various third parties (“Third Party Products”). Such Third Party Products are provided on an ‘as is’ basis and does not make any representation or warranty with respect to such Third Party Products. DLSL or DHCL shall not be liable in any manner whatsoever for any manufacturing defects in the Third Party Products.
Certain Third Party Products such as electronic equipment,
diagnostic tools etc. are provided by the manufacturer with
limited warranty associated with such Third Party Product. The
User(s) and/or Subscriber(s) shall directly claim such warranty
from the manufacturer of the Third Party Products and DLSL or
DHCL shall not be responsible for
such warranty in any manner.
Contents on Dhani Platform do not, contain information about all medical conditions and not all information could be applicable to Subscriber(s)’ personal circumstances. The content is not intended for diagnosis and should not be used as a substitute for consultation with your practitioner(s). DLSL does not warrant content to be accurate, complete or current. The third party suppliers may express certain opinions or provide certain information and offers. The content & services available on Dhani Doctor/Dhani Platform, whether it is about the products/services, have been provided on an “as is” and “as available” basis without warranty of any kind, whether express, implied or statutory. DLSL makes no warranties as to the completeness, accuracy, timeliness, or reliability of information or offers supplied by third parties and published by DLSL. DLSL does not guarantee or warrant the performance of any third party, including any such third party’s conformance to any law, rule, regulation or policy. To the full extent not precluded by applicable law, DLSL disclaims and excludes all warranties with respect to all services, information and/or products contained on these Service(s), or linked hereto (collectively throughout, “content”), express, implied or statutory. DHCL expressly disclaims all representations, warranties or conditions of any kind, either expressed or implied, as to the operations of the Dhani Platform(s), information, content, service provided through or in connection with Dhani Doctor. DHCL does not validate, concur, corroborate, approve, accept or recommend any information, content, procedure or medication posted, discussed, exchanged, recommended or prescribed by and/or between the Practitioner(s) and the user and/or relied upon by user, and DHCL shall not be responsible and/or liable for the same in any manner whatsoever . The maximum aggregate liability of DLSL and/or DHCL’s arising out of or in connection with such services availed shall be limited to subscription fee.
This disclaimer includes, but is not limited to, any and all warranties of merchantability, fitness for a particular purpose and non-infringement.
2. Dhani Doctor on Call/E-Consultation
As a part of the Dhani Doctor Plan, Subscriber(s) shall be eligible to avail the benefit of online tele-consultation with a team of Practitioner(s) (“Dhani Doctor On Call”). The Dhani Doctor on Call will be available for the Subscriber(s) for consultation and the Subscriber(s) shall not be required to pay any additional sum for such consultation. The Dhani Doctor on Call benefit may be availed through a phone call or chat or a video call.
User(s) and/or Subscriber(s) can book appointment with a Practitioner(s) available on Dhani Doctor through the Dhani Platform and discuss their health-related issues, opinion on the diagnostic reports, obtain e-prescription for their medical needs and avail other healthcare services. E-Consultation can be provided by tele-consultation, video call/conferencing or otherwise in other media permissible as per applicable law/guidelines that DLSL may at its sole discretion provide the options to the Subscriber(s) based on the availability of the Practitioner(s). Dhani Doctor Plan do not in any way constitute an invitation or recommendation to avail the consultation services
Subscriber(s) agree that E-Consultation is not a substitute for physical consultation and the Services are meant for general consultation only. Subscriber(s) shall not use E-Consultation Services in times of emergency. If after the E-consultation, the Practitioner(s) recommends any diagnostic tests to be undertaken or issues a prescription, the same are provided based on the information and preliminary examination by the Practitioner(s), hence the same shall not be treated as accurate, final and conclusive. Practitioner(s) reserves their rights to modify the prescription or recommended diagnostic tests if the Subscriber(s) provides any additional information in future consultation. While rendering E-Consultation, Practitioner(s) will require to know the age, sex, previous and existing health conditions, symptoms, past medical history. Subscriber(s) shall be responsible for providing accurate information to the Practitioner(s). Practitioner(s) and/or DLSL and/or DHCL will not be responsible for any deficiency in Service(s) for reasons attributable to incorrect information provided by the Subscriber(s). All the information with respect to the User History, consultation records, medical record and prescriptions issued by the Practitioner(s) may be saved by DLSL or DHCL (without any obligation to do so) and the same may be used for rendering Service(s) as may be required by the Subscriber(s) for time to time.
In any event if the Subscriber(s) is unable to avail the E-Consultation Services from the Practitioner(s) or if the Subscriber(s) wishes to cancel the appointment, Subscriber(s) shall be entitled to do so by choosing the respective option on Dhani Doctor. Further DLSL and/or DHCL has no liability if such an appointment is later cancelled by the Practitioner, or the same Practitioner is not available for subsequent appointment.
The Subscriber(s) understand that the results of any search performed by them on Dhani Doctor/Dhani Platform for Practitioners shall not be construed as an endorsement by DLSL or DHCL of any such particular Practitioner. User(s) and/or the Subscriber(s) unequivocally warrants that the User(s)’ and/or the Subscriber(s)’ decision to engage with a Practitioner to seek medical services, is solely at his/her own risk and DLSL and DHCL assumes no responsibility and/or liability arising therefrom. Subscriber(s) unequivocally warrants that he/she is aware that “Dhani Doctor on Call” is merely a consulting model and any interactions and associated issues with the Practitioner(s) acting under Dhani Doctor on Call, including but not limited to the Subscriber(s)’ health issues and/or his/her experiences is strictly between the Subscriber(s) and such Practitioner. Subscriber(s) shall not hold DHCL responsible for any such interactions and associated issues. Any conversations that Subscriber(s) have had with the Practitioner(s) under Dhani Doctor on Call may be retained in DHCL database as per the applicable law. Additionally, DHCL in no manner endorses any Practitioner(s) who is acting under the Dhani Doctor on Call and is not in any manner responsible for any drug/medicines prescribed or the therapy prescribed by such Practitioner(s) to the Subscriber(s) on the basis of the consultation. The Subscriber(s) shall make independent assessment in respect of its accuracy or usefulness and suitability prior to making any decision in reliance hereof. Further, DHCL shall not be responsible for any breach of service or service deficiency by such Practitioner(s). It is further clarified that DHCL is not a medical service provider, nor is it involved in providing any healthcare or medical advice
or diagnosis, it shall hence not be responsible and owns no liability to either Subscriber(s) or any Practitioner(s) for any outcome from the consultation between Subscriber(s) and such Practitioner. The Dhani Doctor on Call consultation benefit is made available to Subscriber(s) to obtain consultation from a Practitioner(s) as a part of the Dhani Doctor Plan and is in no way intending to replace physical consultations with the Practitioner.
Subscriber(s) also unequivocally warrants that he/she is aware that neither DLSL nor DHCL is involved in providing any healthcare or medical advice or diagnosis and hence is not responsible for any interactions between the Subscriber(s) and the Practitioner. User(s) and/or the Subscriber(s) understand and unequivocally agrees that DLSL & DHCL shall not be liable for:
3. Diagnostic Services
User(s) and/or the Subscriber(s) may avail the diagnostic services available on Dhani Doctor (“Diagnostic Services”). The Diagnostic Services are provided by DLSL in collaboration with third-party diagnostic labs.
The Subscriber(s) understand that by placing a request for Diagnostic Services, he/she hereby consents:
DHCL may also offers Home Collection Facility to Subscriber(s) for collection of specimen sample from Subscriber(s) home for the purpose of Diagnostic Services.
Once a request for Diagnostic Services is placed by a Subscriber(s), a qualified professional from the third party lab (“Technician”) will visit the address specified by User(s) and/or Subscriber(s) for collection of sample for diagnostics.
The Subscriber(s) shall provide the valid prescription, if required and applicable, issued by a doctor which contains the tests that are to be conducted, for which the Technician is required to collect the samples from the Subscriber(s).
The Subscriber(s) may be required to provide a valid proof of identification to the Technician.
The test results provided as part of Diagnostic Services will only be related to the specimens so collected.
For any specimens collected from Subscriber(s)’ home, the relevant lab will presume that the specimen belongs to the patient named or identified at the time of placing the request.
Subscriber(s) acknowledge and agree that there may be instances where the samples collected from Subscriber(s)’ home may get contaminated or become unfit for testing during transit. In such instances, the samples may have to be recollected for performance of necessary tests at no additional cost. Alternatively, the relevant lab may test such samples and provide partial results based upon the fitness of samples. If such contamination or deficiency is caused due to delay or reasons directly attributable to DHCL, DHCL will recollect the sample without any additional costs. However, DHCL shall not be responsible for any of the above or any contamination of sample which is attributable to the Subscriber(s) or not attributable to DHCL. DHCL shall not be in any manner liable for any damages which the Subscriber(s) may suffer in relation to such home sample collection.
Subscriber(s) acknowledge that test may not be conducted and Diagnostic Services will not be provided in the event (a) specimen quantity is insufficient; (b) specimen quality is unacceptable (e.g. haemolysed or clotted); or (c) incorrect sample submitted.
Further, DHCL shall not be under any obligation to any refund of service fees in the event User(s) and/or Subscriber(s) are not available for sample collection at the scheduled time.
Subscriber(s) may cancel or reschedule any appointment at least 24 (twenty-four) hours prior to the scheduled appointment or within such minimum or maximum timeline as provided on the Dhani Doctor from time to time. In the event User(s) and/or Subscriber(s) cancel an appointment after the aforementioned specified timelines, DHCL will not be under any obligation to provide Subscriber(s) any refund for the
Service Fees already paid by Subscriber(s).
Disclaimer: DHCL provides the services on “as is” basis and expressly disclaims all representations, warranties or conditions of any kind, either expressed or implied, as to the diagnostic services performed by third party diagnostic lab. DHCL does not validate, concur, corroborate, approve, accept or recommend any information, content, procedure or report posted, discussed, exchanged by said third part labs and the user reliance upon same and DHCL shall not be responsible and/or liable for the same in any manner whatsoever . The maximum aggregate liability of DLSL and/or DHCL’s arising out of or in connection with such services availed shall be limited to the cost of the services availed by the User(s) and/or Subscriber(s) or subscription fee. Notwithstanding anything contained herein above, DLSL shall have no liability whatsoever towards the User(s), arising from any wrong diagnostic test while availing the Services contemplated herein by such User(s).
Terms and Conditions applicable to 1% Cashback on Dhani Free Cashback Card
Effective Date: Effective from 3rd Jan 2022
These terms and conditions are applicable to cashback amount offered as promotional benefits to customers, who are users of Dhani Free Cashback Card (“Cashback”)., The cashback is a promotional benefit and is being offered by Dhani Loans & Services Limited (“DLSL”) for customers of Dhani Free Cashback Card with the objective of popularizing its products and services through its mobile application and website www.dhani.comhttps://transerv.atlassian.net/browse/U2WLT-12877, operated under the brand name of "Dhani" ("Dhani Platform").
Dhani Free Cashback Card is a prepaid payment instrument and is a payment product functionality operated and facilitated by a registered prepaid payment instruments operator, TranServ Private Limited (TranServ), through its mobile application and website www.dhanipay.in, under the brand name of 'Dhani Pay' ("Dhani Pay Platform"). It is hereby clarified that DLSL reserves the right in its sole and absolute discretion to award, redeem or cancel Cashback, and TranServ will only be performing the role of operating and facilitating the Cashback through Dhani Pay Platform. The term "you" or "your" or "yourself" used under this terms and conditions ("Terms") shall mean any person accessing the Platform.
Dhani Platform, Dhani Pay Prepaid Card and Dhani Pay Platform are collectively referred as the Platform.
By using the Platform, you signify your acceptance of these Terms. 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 make legitimate reservations 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 the reservations you have made 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 or TranServ retains the right at our sole and absolute discretion to deny access to anyone to this Platform and the services offered, at any time and for any reason, including, but not limited to, for violation of the Terms.
DLSL reserve the right, at any time, to modify, alter, or update these Terms. DLSL or TranServ will notify you of such changes by email at the address you registered with or by prominent notice on the Platform.
Eligible Users shall mean and include:
|List of Eligible Activities on the Platform (with effect from 3rd January 2022)|
|Use of Dhani Free Cashback Card to make a successful payment at an online or offline merchant||Cashback Amount equivalent to 1% of the transaction amount|
Eligible User agrees and acknowledges that DLSL may modify / add / delete to the list of Eligible Activities and Cashback awarded at its sole and absolute discretion at any time without giving any prior intimation / notice to its users.
Awarding of Cashback is subject to the Eligible User completing the respective Eligible Activity successfully. In case of payment failure, reversals or cancellations - corresponding Cashback credited to the user will be cancelled.
Also, it is hereby clarified that the Cashback cannot be utilised for the purchase of Gold/Silver coins/bar on the Platform, if such a facility is available on the Platform.
DLSL reserves the right to pull back Cashback from a user's account (pre or post redemption) in case of suspicious or fraudulent activities as detected by DLSL and at its sole discretion from time to time without any notice/intimation.
Awarding of Cashback is subject to Terms mentioned herein and is not guaranteed in any manner whatsoever.
Cashback awarded to the Eligible User will be credited into Eligible User’s Dhani Wallet Cash balance.
Cashback credited and Dhani Pay Cash will be governed by terms and conditions of Dhani Pay Prepaid Account issued by TranServ Private Limited, which is an associate of DLSL. Eligible Users need to complete registration for Dhani Pay Prepaid Account, Dhani Free Cashback Card and complete due KYC requirements to be able to avail of the benefit of Cashback
Usage of Dhani Pay Cash, credited as a result of this promotion, will be governed by the terms and conditions of usage of Dhani Pay Prepaid Account and DLSL will not be responsible for any aspects related to operation of it.
DLSL may use your personal, transactional and other Platform 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 DLSL 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 DLSL. In such event, DLSL 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 DLSL regarding its products and services.
This offer will be void in any State where conducting such offer is prohibited under applicable laws.
Eligible User’s participation in conducting any Eligible Activities constitutes its understanding and agreement to the complete Terms associated with each offer provided herein.
DLSL reserves the right to impose additional amount limits within the overall applicable limit.
DLSL shall have no liability for delays or failure in performance caused by any event beyond DLSL’s control.
DLSL reserves the right to award offers and related benefits as per internal policy decided by DLSL in its sole and absolute discretion, from time to time.
The content and information on this Platform, as well as the infrastructure used to provide such content and information, is proprietary to Us. You are licensed to use our Platform solely for the purpose set out above. You are not permitted to copy our Platform, in any manner or form. While you may make limited copies of transaction related documents for products or services purchased or exchanged through this Platform, you agree not to otherwise modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell or re-sell any information, software, products, or services obtained from or through this Platform. Additionally, you agree not to:
Welcome to Dhaniplus (Dhani+)! Please read the following terms and conditions carefully before availing the Dhaniplus (Dhani+) Membership. By proceeding further, you agree to be legally bound by these Terms and Conditions (“Terms”). Terms described below constitute an electronic contract, enforceable as per provisions of the Information Technology Act, 2000 and Rules made thereunder, as amended from time to time.
I. Definitions: For the purpose of these terms and conditions:
II. Dhaniplus (Dhani+) Membership:
IV. Other Terms and Conditions:
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