DNPA Code of Ethics Compliance Policy for Card Genius

 

Policy Effective Date: August 23^rd, 2025
Website: www.cardgenius.co.in
Contact Email: ask@cardgenius.co.in
Entity: Card Genius (A digital credit card information platform)

1. Preamble & Purpose

Card Genius (“we,” “us,” “our”) is committed to operating with the highest standards of integrity, transparency, and ethical conduct. As a web portal dedicated to providing comprehensive information on credit cards, promotional offers, rewards, and financial products in India, we recognize our profound responsibility towards our subscribers and the general public.

This policy formalizes our adherence to the Code of Ethics outlined by the Digital News Publishers Association (DNPA) in India. It serves as a guiding framework for all our content, business operations, and stakeholder interactions, ensuring we uphold the principles of honesty, impartiality, and public good.

2. Scope and Application

This policy applies to all content published on the cardgenius.co.in website, including but not limited to:

• Credit card reviews and analyses
• Articles, guides, and informational blogs
• Comparison tools and data-driven tables
• Details on promotional offers, reward points, and loyalty programs
• User-generated content, such as comments and forum posts (where applicable)

This policy is binding on all employees, contractors, freelance writers, editors, and contributors involved in creating, editing, or managing content for Card Genius.

3. Core Principles of DNPA Code of Ethics

3.1. Accuracy, Transparency, and Fairness

• Fact-Checking: We strive to ensure that all information, including details of interest rates, fees, reward points, and promotional offers, is accurate and up-to-date at the time of publication. We will promptly correct any significant errors and clearly indicate the nature of the correction.
• Attribution: We will attribute data, quotes, and information from other sources appropriately.
• Distinction between Fact and Opinion: We will clearly distinguish between factual reporting, analysis, and opinion. Reviews and comparisons will be based on verifiable facts and clearly stated evaluation criteria.
• Fairness: We will present multiple perspectives where relevant, especially when comparing competing financial products.

3.2. Privacy and Sensitivity

• Respecting Privacy: We will not publish personal information of individuals unless it is essential for public interest and is already in the public domain.
• Sensitive Topics: We will exercise sensitivity and discretion when covering topics that involve an individual’s personal finances, debt, or credit health, avoiding sensationalism or stigmatization.

3.3. Accountability and Grievance Redressal

• Public Accountability: We are accountable to our subscribers and the public for the content we publish.
• Grievance Officer: Card Genius has appointed a Grievance Officer to address complaints and concerns regarding any potential violation of this Code of Ethics.
  • Name: Mr.Swaraj Jain (Acting Grievance Officer)
  • Email: ask@cardgenius.co.in
• Complaint Process: Upon receiving a complaint at the above email address, the Grievance Officer will issue an acknowledgment within 24 hours and strive to resolve the issue within 15 days. The complainant will be informed of the outcome.

3.4. Transparency & Disclosure of Conflicts

• Independence of Content: Our editorial content is created independently of our business and commercial interests. Our reviews, rankings, and recommendations are not for sale.
• Revenue Disclosure: Card Genius generates revenue primarily through affiliate partnerships. This means we may earn a commission (at no extra cost to you) when a user applies for a credit card through our website using our provided links.
• Clear Disclosure: We will clearly and conspicuously disclose this affiliate relationship on all pages and articles where such links are present. (e.g., “Card Genius may earn a commission from affiliate partners for offers linked on this site. However, this does not influence our evaluations or recommendations.”).
• No Guarantee of Approval: We will clearly state that we are not responsible for the final approval of any credit card application, which is solely at the discretion of the issuing banks and their eligibility criteria.

3.5. Advertising & Sponsored Content

• Distinction: Any advertising or sponsored content on our platform will be clearly labeled as “Sponsored,” “Ad,” or “Advertisement” to distinguish it from independent editorial content.
• No Influence: Advertisers and sponsors will not influence our editorial judgment, reviews, or rankings.

3.6. Handling of Pre-Publication Information
We respect the embargoes and confidentiality of pre-release information provided by banks and financial institutions under agreed terms. We will not break embargoes unless the information is already in the public domain.

4. Special Considerations for Card Genius

• Financial Nature of Content: We acknowledge that our content relates to personal financial decisions. We will always include necessary disclaimers stating that our content is for informational purposes only and is not financial advice. We will encourage users to read the terms and conditions on the bank’s website before applying for any product.
• Data Security: While we do not hold sensitive user financial data (like credit card numbers), we are committed to protecting the personal data we collect (e.g., email for newsletters) in compliance with applicable Indian laws.
• Virtual Office: As a digital-first entity our primary channels of communication (ask@cardgenius.co.in and the website contact form) will be monitored diligently to ensure accessibility and responsiveness.

5. Review and Updates

This DNPA Code of Ethics Compliance Policy is a living document. It will be reviewed annually or as needed to reflect changes in the DNPA guidelines, regulatory environment, or our business operations. The latest version will always be available on our website.

For any questions or complaints regarding this policy or our content, please contact our Grievance Officer at: ask@cardgenius.co.in.