Last Updated On: 31-07-2025
Introduction
This Cookie Policy explains how Cookies and similar technologies, such as pixels, beacons, and tags (together “Cookies”) are used by HDB Financial Services Limited (“HDBFS” “we” or “our”) on our websites and other online services (like applications, portals or other services that use cookies).
By clicking "Accept" or “I agree” on the cookie banner, you give us your consent to store and access Cookies and other technologies as described in this Cookie Policy.
The Cookie Policy forms part of our broader Privacy Policy and must be read together.
This Policy applies to all individuals visiting our website, online platforms, and to all the data that is collected through Cookies.
Cookies are small text files that our websites store in your browser’s memory which serve several purposes, such as enabling website functionality, remembering your preferences, and helping us improve your experience. Cookies also help us in understanding which pages you visit most often, evaluation of the effectiveness of our website, and tailoring our communication about our products and services in a manner that will be useful for you.
The information collected through these Cookies does not directly identify you as an individual. However, the data collected may be able to record your browsing activity or device details which may be considered personal information under applicable privacy laws.
Cookies can be categorized based on their duration:
Persistent Cookies remain on your device until they expire or are manually deleted.
Session Cookies are temporary and are deleted when you close your browser or end your session.
To help you better understand what Cookies we apply to our websites, we have classified our Cookies in four categories:
Strictly Necessary: These are essential for website functionality, security, and user authentication and help deliver content, carry info across pages, and remember your Cookie choices. These Cookies can’t be turned off from our side and blocking them in your browser may affect site performance.
Performance: These Cookies track how you use our site such as pages visited and errors encountered to help us improve functionality and run analytics. Data collected through these Cookies is aggregated and not used to directly identify you. Disabling them may impact your browsing experience.
Functional: These Cookies are used to remember your preferences and enhance your visit by tailoring content or enabling features like videos. Blocking these Cookies may limit personalised features and service quality.
Targeting. These Cookies, placed by us or partners, help show ads and offers relevant to your interests. They track your site visits and advertisement interactions to improve marketing. They don’t directly identify you but may involve profiling based on your activity.
Third-party Cookies: We may collaborate with third parties such as advertisers, search engines, social media, and analytics providers to set some of the Cookies mentioned above when you use our website who help us enhance and personalise your experience and deliver relevant content to you. No information will be shared with these third parties, as stated in the para, that can directly identify you.
Following are the Cookies that have been deployed on our website/online platforms:
Cookie Name |
Domain |
Cookie Type |
Duration |
Purpose |
Ownership |
_ga |
hdbfs.com |
Performance |
30 days |
Identification of users |
Third-party |
_gid |
hdbfs.com |
Performance |
31 days |
Tracks sessions |
Third-party |
AEC |
google.com |
Strictly Necessary |
62 days |
Ensures user authenticity within session |
Third-party |
APISID |
google.com |
Targeting |
40 days |
Security, personalization of ads |
Third-party |
HSID |
google.com |
Strictly Necessary |
765 days |
Google security and preferences |
Third-party |
NID |
google.com |
Performance |
9 days |
Google preference and analytics |
Third-party |
SSID |
google.com |
Functionality |
21 days |
Security and personalized services |
Third-party |
SID |
google.com |
Strictly Necessary |
80 days |
Security and login session |
Third-party |
SAPISID |
google.com |
Targeting |
41 days |
Used for personalization in Google |
Third-party |
sess_map |
hdbfs.com |
Strictly Necessary |
Session |
Session management in logged users |
First-party |
cookieBy |
hdbfs.com |
Performance |
13 days |
Tracks cookie source internally |
First-party |
Ar_debug |
hdbfs.com |
Performance |
9 days |
Debugging tracking cookies |
First-party |
How to Manage or Disable Cookies
In case you do not want to receive Cookies, most browsers allow you to control Cookies through their setting preferences. You may find further information on how to disable Cookies or manage your Cookie settings for the commonly used browsers in the following list:
Click here for Google Chrome
Click here for Internet Explorer
Click here for Microsoft Edge
Click here for Firefox
Click here for Safari
Use of Analytics Tools and Third-Party Technologies
We use various analytics tools and third-party services such as Google Analytics to collect and analyse Cookie data. These providers help us understand user interactions, improve website functionality, and personalize content. We have contractual agreements with these service providers. However, they may also combine the information collected from our website with data they have gathered independently from other websites, under their own privacy policies.
You may opt out of data collection by these services through the following links:
For opting out of Google Analytics click here
Your Privacy Rights
We are committed to respecting your privacy rights and protecting your Personal Information. To understand your rights in detail, please refer to our Privacy Policy.
Contact Information
If you have any questions, feedback, or wish to exercise your data protection rights, feel free to contact us at dpo@hdbfs.com.
Changes to This Policy
This Policy is effective as of July 31, 2025 and may be amended, modified, and/or updated periodically. and without prior notice to you. When changes are made to this Policy it will be posted to the website. We recommend that you check this page from time to time to inform yourself of any changes in this Policy. Continued use of our website after updates are posted will be considered as your acceptance of the revised Policy. This Cookie Policy shall be reviewed annually to ensure its continued relevance and effectiveness and shall also be updated at any time in response to changes in applicable laws, regulations, or business practices that necessitate such revisions.