Given the input sentence, please extract the subject and object containing a certain relation in the sentence according to the following relation types, in the format of "relation1: word1, word2; relation2: word3, word4". Relations include: product/material produced; manufacturer; distributed by; industry; position held; original broadcaster; owned by; founded by; distribution format; headquarters location; stock exchange; currency; parent organization; chief executive officer; director/manager; owner of; operator; member of; employer; chairperson; platform; subsidiary; legal form; publisher; developer; brand; business division; location of formation; creator.

So SmartBuy, HDFC's e-mall or virtual storefront that's integrated with its PayZapp app, comes with a disclaimer, "SmartBuy is a platform only for display of offers extended by Merchants to HDFC Bank's customers, and HDFC Bank is not selling/rendering any of these products/services....

Answer: owned_by: HDFC, HDFC Bank; operator: HDFC, HDFC Bank