Card Genius Terms of Use

 

Last Updated: [23-8-2025]

Website: https://www.cardgenius.co.in
Contact Email: ask@cardgenius.co.in

Welcome to Card Genius (“we,” “us,” “our,” or the “Company”). These Terms of Use (“Terms”) govern your access to and use of our website located at https://www.cardgenius.co.in (the “Website”) and all content, services, and features available on or through the Website.

PLEASE READ THESE TERMS CAREFULLY BEFORE USING OUR WEBSITE. BY ACCESSING, BROWSING, OR USING THE WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND OUR PRIVACY POLICY. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE THE WEBSITE.

1. Acceptance of Terms

By using the Card Genius Website, you represent that you are at least 18 years of age and are legally competent to enter into a binding agreement. If you are using the Website on behalf of a company or other entity, you represent that you have the authority to bind such entity to these Terms.

2. Services Provided

Card Genius is an informational web portal that provides:

• Comprehensive information and details on credit cards offered in India.
• Details on various promotional offers, reward points, and rewards structures.
• Comparisons between different credit cards.
• User and expert reviews of credit cards.
• Information on various loyalty and reward programs.
• Other related financial content (collectively, the “Services”).

3. Important Disclaimers
4. Not Financial Advice: The content provided on Card Genius is for informational and educational purposes only. It is NOT financial, investment, legal, or tax advice. You should not construe any such information as a recommendation to apply for any specific financial product. You must consult with qualified professional advisors before making any financial decisions.
5. Accuracy of Information: We strive to provide accurate and up-to-date information. However, the credit card industry is dynamic, and offers, terms, fees, and interest rates change frequently and without notice. We do not guarantee the accuracy, completeness, or timeliness of any information on our Website. You must verify all critical information directly with the official credit card issuer or bank before applying for or using any credit card.
6. Not a Party to Applications: Card Genius is an independent information provider. We are NOT a bank, financial institution, credit card issuer, or loan broker. We do not process applications for credit cards or any financial products. We provide links to third-party websites for your convenience, but we are not responsible for the application process, approval, terms, or services provided by these third parties.
7. Endorsement: The presence of information, a review, or a link to a third-party product or website does not imply our endorsement or recommendation. We may receive compensation from banks and credit card issuers when you apply for or are approved for a card through links on our site, which may influence how and where products appear.
8. User Responsibilities

You agree to use the Website responsibly and for lawful purposes only. You agree not to:

• Use the Website in any way that violates any applicable national or international law or regulation.
• Engage in any data mining, scraping, or similar data gathering or extraction methods.
• Attempt to interfere with, compromise the system integrity or security, or decipher any transmissions to or from the servers running the Website.
• Take any action that imposes, or may impose, an unreasonable or disproportionately large load on our infrastructure.
• Upload or transmit viruses, Trojan horses, or other harmful code.
• Use the Website to solicit others to perform or participate in any unlawful acts.

5. Intellectual Property

All content on the Website, including but not limited to text, graphics, logos, images, software, reviews, comparisons, and the compilation thereof (the “Content”), is the property of Card Genius or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. You may access and use the Content for your personal, non-commercial use only. Any other use, including reproduction, modification, distribution, or republication, without our prior written permission is strictly prohibited.

6. Third-Party Links

Our Website contains links to third-party websites or services that are not owned or controlled by Card Genius. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Card Genius shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CARD GENIUS, ITS DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE WEBSITE;
• ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE WEBSITE;
• ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY PERSONAL INFORMATION STORED THEREIN;
• ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE WEBSITE;
• ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE THAT MAY BE TRANSMITTED TO OR THROUGH THE WEBSITE BY ANY THIRD PARTY.

8. Indemnification

You agree to defend, indemnify, and hold harmless Card Genius and its affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney’s fees) arising from:

• Your use of and access to the Website;
• Your violation of any term of these Terms;
• Your violation of any third-party right, including without limitation any copyright, property, or privacy right.

9. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Website after those revisions become effective, you agree to be bound by the revised terms.

10. Governing Law and Dispute Resolution

These Terms shall be governed and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any dispute arising under or in relation to these Terms shall be subject to the exclusive jurisdiction of the courts located in [Insert City, e.g., Bengaluru, Karnataka], India.

11. Termination

We may terminate or suspend your access to our Website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. All provisions of the Terms which by their nature should survive termination shall survive termination.

12. No Warranty

THE WEBSITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES OF ANY KIND. CARD GENIUS EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

13. Contact Information

For any questions about these Terms of Use, please contact us at:
Email: ask@cardgenius.co.in