A. Interpretation

The words of which the initial letter is capitalised have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

B. Definition

For the purposes of this Disclaimer:

  • Customer (referred to as either "the Company", "We", "Us" or "Our" in this Disclaimer) refers to that of HDFC International Life and Re Company Limited ("HDFC International") at DIFC, Dubai, UAE and its overseas branch HDFC International Life & Re, IFSC Branch ("HDFC Life International").
  • Service refers to the website
  • You refers the individual accessing the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
  • Website refers to https://hdfclife-international.com,accessible from https://hdfclife-international.com

C. Disclaimer

The information contained on the Service is for general information purposes only. The Company assumes no responsibility for errors or omissions in the contents of the Service. In no event shall the Company be liable for any special, direct, indirect, consequential, or incidental damages or any damages whatsoever, whether in an action of contract, negligence or other tort, arising out of or in connection with the use of the Service or the contents of the Service. The Company reserves the right to make additions, deletions, or modifications to the contents on the Service at any time without prior notice. They should not be regarded as an offer, solicitation, invitation, advice regarding any insurance product of the Company. You are therefore requested to verify the veracity and validity of all information with the Distributor or/and the Financial/Insurance Advisor before relying on the same. Insurance Products and Solutions reflecting on the Service may be withdrawn or amended or varied at any time at the sole discretion of the Company.

D. External / Related Links Disclaimer

The Service may contain links to external websites or/and related links that are not provided or maintained by or in any way affiliated with the Company. Please note that the Company does not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites.

E. Errors and Omissions Disclaimer

The information given by the Service is for general guidance on matters of interest only. Even if the Company takes every precaution to ensure that the content of the Service is both current and accurate, errors can occur. In addition, given the changing nature of laws, rules and regulations, there may be delays, omissions or inaccuracies in the information contained on the Service. The Company is not responsible for any errors or omissions, or for the results obtained from the use of this information.

F. Fair Usage Disclaimer

The Company may use copyrighted material which has not always been specifically authorized by the copyright owner. The Company is making such material available for criticism, comment, news reporting, teaching, scholarship, or research. The Company believes this constitutes a "fair usage" of any such copyrighted material as per provisions in UAE Federal Law No. 38 of 2021 on Copyrights and Neighboring Rights and as per relevant provisions of the Indian Copyright Act, 1957. If You wish to use copyrighted material from the Service for your own purposes that go beyond fair usage, You must obtain express permission from the copyright owner. Copying, disseminating and any other use of the materials of the Service is not permitted without the written permission of the Company, except and only insofar as otherwise stipulated in regulations of mandatory law (such as the right to quote), unless specific content dictates otherwise.

G. Views Expressed Disclaimer

The Service may contain views and opinions which are those of the authors and do not necessarily reflect the official policy or position of any other author, agency, organization, employer or company, including the Company. Comments published by users are their sole responsibility and the users will take full responsibility, liability and blame for any libel or litigation that results from something written in or as a direct result of something written in a comment. The Company is not liable for any comment published by users and reserves the right to delete any comment for any reason whatsoever.

H. No Responsibility Disclaimer

The information on the Service is provided with the understanding that the Company is not herein engaged in rendering legal, accounting, tax, or other professional advice and services. As such, it should not be used as a substitute for consultation with professional accounting, tax, legal or other competent advisers. In no event shall the Company or its associates be liable for any special, incidental, indirect, or consequential damages whatsoever arising out of or in connection with your access or use or inability to access or use the Service.

I. Use at Your Own Risk Disclaimer

All information in the Service is provided "as is", with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability and fitness for a particular purpose. The Company will not be liable to You or anyone else for any decision made or action taken in reliance on the information given by the Service or for any consequential, special or similar damages, even if advised of the possibility of such damages.

J. Personal Data Disclaimer

The Company may/will collect certain personally identifiable information (“personal information”) about you when you visit the Service. Examples of personal information we may collect include your name, address, telephone number, mobile number, e-mail address among others. The Company automatically collects certain non-personally identifiable information when you visit the Service, including, but not limited to, the type of browser you are using, the type of operating system you are using, and the domain name of your Internet Service Provider. Further, any personal information/data you provide the Company with in the context of your response or request for information will only be used in accordance with the Company's Privacy Policy and Statement.

K. Limitation of Liability Disclaimer

The Company shall not be liable for any loss or damage, including without limitation direct or indirect, special, economic, incidental, or consequential damages, losses or expenses arising in connection with this site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if the Company has been advised of the possibility of such damages, losses or expenses.

L. No Warranty Disclaimer

The information, product descriptions, material, advices, suggestions, illustrations notifications, circulars, etc., are collectively stated "the content" in this Service/website. If the said content contains any mistakes, omissions, inaccuracies and typographical errors, etc., the Company assumes no responsibility thereof. The information and materials contained herein, are provided "as is," "as available" basis. The Company does not warrant the accuracy, adequacy or completeness of any of such information and materials. The Company expressly disclaims any and all liability for errors or omissions in all such information and materials. No warranty of any kind, implied, express or statutory, including but not limited to the warranties relating to non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with any of the information and materials published herein.

M. Product Descriptions (not Available in all jurisdictions)

The Product and Solution descriptions, if any, provided on the Service are for informational purposes only and are subject to changes. Some Products and Solutions may not be available in all jurisdictions. Interested individuals, company and legal entities in a particular product should contact the Distributor or/and the Financial/Insurance Advisor to determine whether the product is available in their jurisdiction and to request a copy of the applicable policy or other plan documents for a complete description of the product.

N. Viruses, Worms, Use of Files

The Company cannot and does not guarantee or warrant that files available for downloading from the Service are free of viruses, worms, Trojan horses or other code that has the potential of infecting, contaminating or destructing properties. The Company does not make any express or implied warranties, representations or endorsements whatsoever including without limitation warranties of title, non-infringement or fitness for a particular purpose with respect to the files available for downloading or/and viewing from the Service. In no event whatsoever the Company will be liable to you or to anyone else for any decision made or action taken by you or anyone else in dependence on results obtained from use of files downloaded or/and viewed from the Service.

O. Trademarks

The name /letter 'HDFC' in the name/logo of HDFC Life Insurance Company Limited (HDFC Life) belongs to HDFC Bank Limited and is used by HDFC Life under licence from HDFC Bank Limited

Contact Us

If you have any questions about this Disclaimer, You can contact Us:

By visiting this page on our website: https://hdfclife-international.com

HDFC Life International

From a global lifestyle to the best healthcare in the world for your family or a world class education for your kids, HDFC Life International is here to open up possibilities for the Global Indian with US Dollar denominated innovative solutions.

HDFC International Life and Re Company Limited, IFSC Branch

FCRN: F06805 & IFSCA Registration No.: IFSCA/IIO/006/2022-23(Regulated by the IFSCA)

Registered Branch Office and Address for Correspondence: Office No. 213, Hiranandani Signature, Second Floor, Block 13B, Zone - 1, GIFT SEZ, Gift City, IFSC, Gandhinagar, Gujarat, India - 382355.

The registered marks including the name/letters "HDFC" in the name/logo of the Company/branch belongs to HDFC Bank Limited ("HDFC Bank") and the name/letters "HDFC Life" is used by HDFC Life Insurance Company Limited ("HDFC Life") and its subsidiary, HDFC International Life and Re Company Limited under a licence/agreement between HDFC Bank and HDFC Life.

For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale.