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HDFC International Life and Re Company Limited ("HILRCL”, “We” or “Our” or “Us”) is incorporated in Dubai International Financial Centre (“DIFC”) and is a Wholly Owned Subsidiary of HDFC Standard Life Insurance Company Limited (“HDFC Life”). HILRCL owns and maintains, directly or indirectly, www.hdfclifere.com (“the Website” or “the Site”). HILRCL owns or has licence to use all contents, graphs, images, HTML and CGI or other scripts displayed and used on this Website. The information provided on this Site should not be copied, modified, uploaded, downloaded, published or republished, transmitted or otherwise distributed for commercial purposes without prior and explicit written consent from HILRCL. Reproduction of any information or material, with or without any modification, provided on this Website is strictly prohibited unless it is performed/ done with the prior written consent of HILRCL. These Terms include the Privacy Policy which is incorporated into these Terms by reference. By using the Website and our services, person(s) accessing the Website (“You”, “Your”, “User”) are indicating their acceptance to be bound by these Terms and Conditions, including the Privacy Policy. Hence, please read these terms and conditions (the “Terms of Use” or “the Terms”) carefully as they apply to your access and/or use of this Site.

By accessing this Site and any pages thereof, You acknowledge Your agreement and Your understanding of these Terms of Use. If You do not agree to these Terms of Use, please do not access or use this Site. These Terms of Use are subject to change at any time and HILRCL reserves the right to modify the Terms of Use from time to time without notice. HILRCL recommends that You revisit it on occasion, in particular, the terms of the Privacy Policy, to learn of new privacy practices or changes to Our policies. By visiting Our Website after We have posted changes to these terms, You acknowledge that You are agreeing to these Terms as modified.

Access/Usage Restrictions:

HILRCL reserves the right to select the User of this Website and take the decision whether or not to permit any person to use the services provided on this Website. You may use Our Website only as permitted by law. The information contained on this Website is not for use within any country or jurisdiction or by any persons where such use would constitute a violation of law. If this applies to You, You are not authorized to access or use any of the information on this Site.

You agree to use the Website strictly for Your personal use. Using Our Website does not give You ownership of any intellectual property rights in Our Website or the content You access, nor do they grant You the right to use any branding or logos used in Our services or to remove, obscure, or alter any legal notices displayed in or along with Our services. In connection with Your use of the services, We may send You service announcements, administrative messages, and other information. However, You may choose to opt out of those communications.

You agree not to use this Website or the Website facility for any purpose which is, in any manner, inconsistent with these Terms and Conditions or in contravention of any provisions of law or deemed inappropriate by HILRCL. You agree not to use, transfer, distribute or dispose of any information contained in the Website in any manner that could compete or conflict with the business interest of HILRCL or otherwise compromise or imperil the interests of HILRCL.

Regulatory Status

HDFC International Life and Re Company Limited is licensed and regulated by the Dubai Financial Services Authority (“DFSA”). The content of this Website is for information purpose only. All the information including the products and services appeared/displayed on this Website are directed at Professional Clients and/or Market Counterparties and not Retail Clients.

This information is intended for use only by Professional Clients and/or Market Counterparties, as defined by the DFSA rules for Client Classification requirements. This information is not intended for, should not be relied upon by, nor distributed to Retail Clients. Professional Clients and/or Market Counterparties may not be afforded the Retail Client protection and compensation rights that may generally be available to them from within the DFSA and other jurisdictions. Your eligibility to become a client and/or for particular products or services is subject to final determination and acceptance by HILRCL.

General Disclaimer:

No Warranties:

HILRCL uses reasonable efforts to update the information contained in this Website. Neither HILRCL nor any of its affiliates assume any responsibility for such information. Information and material on this Site are provided on an "as is" basis, and are without guarantees or warranties of any kind, either expressed or implied. No representation or warranty is made regarding content, functionality, completeness, correctness, accuracy, reliability, links, or communications, including no representation or warranty as to defects or errors or correction of the same, communication interruptions or interceptions or loss of data, or the absence of viruses or other harmful components. Further, any ideas and/or information provided or gained from this Site would not necessarily reflect the views of HILRCL or its directors or employees. Your use of this Website and use or reliance upon any of the materials on it is solely at Your own risk.

No offer

Neither the information nor any opinion contained in Our Site constitutes in any manner, form or matter, Our offer to provide the services mentioned therein. Further, nothing on this Site should be construed as a solicitation, offer, advice, recommendation to avail the products and services mentioned herein. For information about any specific product and/or services please visit the respective Website. Nothing on this Site constitutes a promise or offer of employment and all applications are considered in compliance with the applicable law.

Limitation of Liability

In no event shall HILRCL, nor any of its affiliates, be liable to any party for any cost or damages, including any direct, indirect, special, incidental, or consequential damages, arising out of or in connection with the access or use of, or the inability to access or use, this Site or any of its functions or features, including in connection with any browsing or downloading of any information, data, text, images, or other material accessible through this Site or any Website linked to or linking into this Site. It is the responsibility of the User of this Site to evaluate the accuracy, completeness, reliability and usefulness of any opinions, services or other information provided. All information provided in this Site is under the condition and understanding of it not being interpreted or relied on as legal, accounting, tax, financial, investment or other professional advice, or as advice on specific facts or matters. Accordingly, no liability what so ever is assumed for any use or misuse of such information. Users of this Site should consult their professional advisors with respect to their personal circumstances. While the Site may be updated with changes periodically, HILRCL does not guarantee that this Site reflects the latest amendments/ information at all times or at any time.


This Website may contain links to websites, web-pages and services operated by HILRCL and third parties including its Affiliates, and Your use of each such website is also subject to the Terms and Conditions and other terms and guidelines, if any, in respect of each such website. In the event that any of the Terms and Conditions, or notices contained herein conflict with the terms and conditions or other guidelines contained within any particular website, then the Terms and Conditions of this Website shall prevail.

The links from this Site to other websites are provided for Your information and convenience only. The linked sites are not under the control of HILRCL and HILRCL does not review or monitor such links. You use such links entirely at Your own risk and HILRCL does not assume any responsibility or liability with respect to any website linked from this Site (or any links contained in a linked site or any website linking into this Site), including its content and operation. Some websites may be outside your country and subject to different regulators and rules. A link from this Site to another website (or a link from another website to this Site) does not constitute a referral, endorsement, approval, advertising, offer or solicitation with respect to such website, its contents, or any products or services advertised or distributed through that website. HILRCL believes that the links it provides to other publicly accessible websites, web pages, newsgroups, and other sources are legally permissible and consistent with the common, customary expectations of those who make use of the Internet. HILRCL disclaims all responsibility for any inaccuracy, error, falsity, omission and/or non-compliance in any material appearing on any linked site. Third party links are governed by their respective website usage agreements.

Without the written consent of the HILRCL, no person and no website may make a link to this Site, whether to its homepage or to any internal page.


You agree to indemnify, defend and hold the Indemnified Parties (as defined below) harmless from and against any and all claims, liability, suits, judgments, litigation costs, causes of action, demands, recoveries, damages (actual and consequential), fines, penalties, losses, costs and expenses (including attorneys’ fees) of any kind or nature incurred by any Indemnified Party arising from or in any way related to: your use of this Website (including by third parties); Your breach of these Terms or any other terms referenced herein Your violation of any law or the rights of a third party.

“Indemnified Parties" means HILRCL, its affiliates and their respective officers, directors, shareholders, agents, employees, information providers and copyright and Trademark owners.


If You obtain unauthorized access to any programs, data or other information which belong to Us or Our agents, You agree to treat such programs, data and information as confidential and agree not to disclose or make use of any of it (or any part of it) and will notify Us immediately by contacting Us at the address given herein below. In accessing this Site, You accept that electronic mail and other transmissions passing over the Internet may not be free from interference by outside parties and may, therefore, not remain confidential. Consequently, although We have made every reasonable effort to make Our system secure, We cannot guarantee the privacy or confidentiality of any information passing over the Internet. Unless otherwise expressly allowed in a particular page of the Site, transmissions to Us shall not be considered as instructions, requests to purchase or obtain any product or service, or complaints by customers relating to such products or services. You agree that We will not be liable to You or anyone else for any damages or otherwise in connection with any message sent by You to Us or any messages sent by Us to You over the internet.

Intellectual Property

“HDFC Life” and its logos are registered trademarks in India. Other trademarks, service marks and logos may be the property of their respective owners. Except as indicated otherwise, all information, text, graphic images, logos, features or functions, and layout (including the “feel and look”), as well as any copyrights or other rights, are the exclusive property of HILRCL and its parent, HDFC Standard Life Insurance Company Limited and/or its licensors, and may not be copied, reproduced, posted, transmitted or distributed, in whole or in part, in any form (electronic or written) without first having obtained the HILRCL’s express written consent.

The trademarks, logos, slogans and service marks displayed on this Website, whether registered or unregistered, are proprietary to HILRCL and/or others. Nothing on this Site should be construed as granting a licence or any other right to use any copyrights, trademarks or logos. Unless expressly stated in writing, HILRCL does not grant any authority, right or license to use or display any trademarks, logos, slogans and service marks displayed on this Website. HILRCL reserve the right to seek appropriate legal remedy for any violation or breach of any intellectual property rights including, but not limited to, unauthorized use of any trademarks, logos, slogans, service marks and contents of this Website.

Copyright in the pages of this Site, in the screens displaying the pages and in the information and material contained therein and their arrangement, is owned by HILRCL, unless otherwise indicated. HILRCL also claims trade mark and service mark rights in marks contained within the pages of this Site. Moreover, the downloading or printing of any materials on this Site will not result in the transfer, explicit or implied, of any rights. You may, however, download or print any pages from this Site for personal, non-commercial, viewing purposes only, provided You do not remove any copyright or other proprietary right notice.

Privacy Policy

HILRCL respects the privacy of visitors to this Website. We are committed to protecting Our visitors' privacy and will not collect any personal information about You as a visitor unless You provide it voluntarily. The following information is designed to assist You in understanding what information We gather from Our Website, and how We handle the information once We gather it. Please note that this privacy policy applies only to this Website and not to the websites of other organizations to which We may link.

The information collected on/about you, as a visitor, subject to Your own voluntary inputs of data, may include the following types: Your contact information; Your feedback information; and web page download information. Any personal information You provide to HILRCL through any of the contact facilities on this Website or by any other means whatsoever will be held in accordance with its Data Protection Policy set out below. Whilst HILRCL will take reasonable steps to ensure the security of personal data transmitted through this Website, by accepting these terms and conditions You accept that the internet is not a totally secure medium of communication of information and that such transmission will be at Your own risk.

Data Protection Policy

HILRCL collects, processes and stores personal data in accordance with the requirements of the Data Protection Law (DIFC Law 1 of 2007 as amended from time to time) (the “Data Protection Law"). Any personal information You provide/supply to HILRCL will be used primarily to answer Your inquiry or to fulfill any of Our contractual obligations to You.

HILRCL generally records certain usage information, such as the number and frequency of visitors to this Website. This data helps Us determine how much Our visitors use parts of the Website and to do internal research on Our Users’ demographics, interests, and behavior to better understand and serve You. This information may include the websites that You access immediately before and after Your visit to Our Website, the internet browser You are using, and Your IP address. If We use such data at all, it will be on an aggregate basis, and We will not voluntarily disclose to third parties any information that could be used to identify You personally.

Please be assured that We will not collect personal identifying information about You when You visit Our Website, unless You choose to provide such information to Us. If You voluntarily submit information to Our Website, for example, in a request for general information, We may record and use any personally identifiable information, such as Your name and e-mail address, for reasonable business purposes including, but not limited to, fulfilling Your request.

We may use internal service providers to operate Our Website and employ other persons to perform work on Our behalf, such as sending postal mail and e-mail. These persons may have access to the personally identifiable information You submit through the Website, but only for the purpose of performing their duties. These persons are contractually obligated not to use or disclose Your personally identifiable information for any other purpose.

We will not provide Your personally identifiable information to any other persons without Your consent, except (a) as required by law, or (b) if We are required to make disclosures to the government or private parties in connection with a lawsuit, subpoena, investigation or by order of the court or similar proceeding. We can (and You authorize Us to) disclose any such information in those circumstances.

Links to other Websites

This Website contains a number of links to other local and international organizations and agencies. It is important for You to note that upon linking to another site, You are no longer on Our Site and You become subject to the private policy of the new site.

Access to your information

You may request Us at any time to disclose what information is effectively held on You if any, at that particular time. You have the right to have any inaccuracies corrected and where applicable erased, if they are not already deleted.

User conduct

When accessing or making use of any part of this Site, You may not post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any local or international law. Any attempt by any person or User to damage this Site may be a violation of criminal or civil laws. HILRCL reserves the right to seek damages from any such person or User to the full extent of the law.

Governing Law and Jurisdiction.

You agree that Your access to or use of this Website, these Terms of use and any claim/disputes relating to any of them shall be governed by, construed, enforced and performed in accordance with the laws of the DIFC. DIFC courts shall have the exclusive jurisdiction to look into any dispute in connection with this Site and these Terms of Use.

Legal restrictions; Updates; Modifications; Other

HILRCL makes no representation that any information, materials or features/functions included are appropriate for use in any other jurisdiction. The Site is not directed to any person (Person means and includes Undertaking) in any jurisdiction where (by reason of that person’s nationality, country of origin, residence, citizenship or otherwise) the publication or availability of the Site and its content is contradictory to local laws or regulations. Persons to whom such restrictions or prohibitions apply must not access or use this Site. By accessing or using this Site You do so on Your own initiative and are solely responsible for compliance with the applicable local laws and regulations. Updates and modifications to these Terms of Use are subject to change at any time. Be sure to check these Terms of Use each time You access and/or use this Site, since any updated version applies to Your access and/or use of this Site.


These Terms contain everything the parties have agreed to in relation to the subject matter it deals with. No party can rely on an earlier written document or anything said or done by or on behalf of another party prior to the agreement with respect to the subject matter hereof.


Each provision of these Terms is individually severable. If any provision is or becomes illegal, unenforceable or invalid in any jurisdiction, it is to be treated as being severed from this document (Terms of Use) in the relevant jurisdiction, but the rest of this document (Terms of Use) will not be affected. The legality, validity and enforceability of the provision in any other jurisdiction will not be affected.


It has always been the principle of HILRCL to observe high standards of integrity and fair dealing. As part of HILRCL’s Complaints Handling Procedures, it is Our policy that all complaints are dealt with fairly and promptly and all issues are handled and resolved in a prompt and professional manner.

Corporate Information:
HDFC International Life and Re Company Limited.
Registered Office:

Unit OT17-30, Level 17,
Central Park Offices,
Dubai International Financial Centre,
P.O Box 114603, Dubai, United Arab Emirates.

Contact Information

In case you require any further information or clarifications on the content of this policy or Terms of Use, please write to us at info@hdfclifere.com