Terms of Service

1. Acceptance of Terms

By accessing or using Cardsgenie (cardsgenie.in), operated by Krishna Prasad Marichamy ("we", "us", or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the website.

We reserve the right to modify these Terms at any time. Continued use of Cardsgenie after any changes constitutes your acceptance of the revised Terms. Changes will be reflected by updating the "Last Updated" date above.

2. Description of Service

Cardsgenie is an independent credit card comparison and information platform for Indian consumers. We provide:

• Credit card data, reward rates, fees, and benefit information
• Tools including a Best Card Finder, Compare Cards, Points Value Calculator, and Lounge Finder
• Editorial reviews and content about credit cards available in India
• A newsletter with credit card tips and updates (by subscription)

Cardsgenie is an informational service only. We do not issue credit cards, process applications, or make credit decisions.

3. Financial Disclaimer

Credit card reward values, points redemption rates, and cashback percentages displayed on Cardsgenie are estimates based on publicly available information and our own analysis. Actual values may differ based on your spending patterns, bank policies, and programme terms at the time of redemption.

4. Accuracy of Information

We make reasonable efforts to ensure the accuracy and completeness of the information on Cardsgenie. However, credit card features, fees, reward rates, and eligibility criteria change frequently. We cannot guarantee that all information is current or error-free at any given time.

Users are strongly advised to verify all credit card details — including annual fees, joining fees, reward structures, lounge access terms, and eligibility — directly with the issuing bank or financial institution before applying.

5. Third-Party Links and Affiliate Relationships

Cardsgenie contains links to credit card application pages on bank and financial institution websites. Some of these links may be affiliate links, meaning we may receive a referral commission if you apply for and are approved for a credit card through our link. This does not affect the price you pay or the terms of your credit card.

Our editorial content and card ratings are not influenced by affiliate relationships. We aim to provide fair, independent assessments of all credit cards featured on the site.

We are not responsible for the content, accuracy, privacy practices, or terms of third-party websites linked from Cardsgenie.

6. Intellectual Property

All original content on Cardsgenie — including editorial reviews, tool designs, graphics, and written copy — is the property of Cardsgenie and protected under applicable Indian and international intellectual property laws.

You may not:

• Reproduce, republish, or redistribute Cardsgenie content without written permission
• Scrape, crawl, or systematically extract data from the website for commercial purposes
• Use Cardsgenie branding, logos, or trademarks without permission

Credit card names, bank logos, and product details are the property of their respective owners and are used for informational and comparison purposes only.

7. User Conduct

You agree not to use Cardsgenie to:

• Submit false or misleading information through any form or tool
• Attempt to gain unauthorised access to any part of the website or its systems
• Interfere with or disrupt the operation of the website
• Use any automated tools to access or extract data from the site without permission
• Engage in any activity that violates applicable Indian law or regulation

8. Newsletter and Communications

By subscribing to the Cardsgenie newsletter, you consent to receive periodic email communications about credit cards, rewards, and financial tips. You may unsubscribe at any time by clicking the unsubscribe link in any newsletter email. We will process your unsubscribe request promptly.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Cardsgenie, its operator, and contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your reliance on information provided on the website
• Any credit card application or financial decision made based on site content
• Inaccurate, outdated, or incomplete information on the website
• Interruption or unavailability of the website or its features
• Any third-party content, services, or links accessed via the website

10. Indemnification

You agree to indemnify and hold harmless Cardsgenie and its operator from any claims, damages, losses, liabilities, or expenses (including legal fees) arising from your use of the website, your violation of these Terms, or your violation of any third-party rights.

11. Privacy

Your use of Cardsgenie is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review it to understand our data practices.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of India. Any disputes arising from these Terms or your use of Cardsgenie shall be subject to the exclusive jurisdiction of the courts of India.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible, without affecting the enforceability of the remaining provisions.