Fact Checking Policy for Card Genius

 

Last Updated: August 23^rd, 2025
Website: www.cardgenius.co.in
Contact: ask@cardgenius.co.in

1. Introduction & Our Commitment

At Card Genius, our mission is to empower consumers in India with accurate, unbiased, and timely information about credit cards, reward programs, and promotional offers. We understand that financial decisions are significant, and the information we provide forms the basis of our users’ choices. Therefore, the integrity and accuracy of our content are our highest priorities.

This Fact Checking Policy outlines the rigorous procedures we follow to ensure the information on our platform is reliable, verifiable, and up-to-date.

2. Scope of Fact-Checking

This policy applies to all content published on Card Genius, including but not limited to:

• Credit card reviews and features
• Details of reward points structures, airline miles, and cashback programs
• Terms and conditions of credit cards
• Promotional offers (e.g., welcome bonuses, discount coupons, cashback offers)
• Comparative analyses between different credit cards
• Articles on loyalty programs and their redemption processes
• News and updates from the Indian banking and financial sector

3. Our Fact-Checking Process: A Multi-Layered Approach

Our editorial team employs a multi-step verification process to ensure accuracy before any content is published.

1. Primary Source Verification:

• Bank & Financial Institution Websites: All information, especially regarding interest rates, fees, joining/annual charges, and reward program details, is cross-referenced directly with the official website of the issuing bank or financial institution (e.g., HDFC Bank, SBI Card, ICICI Bank, Axis Bank, etc.).
• Official Press Releases & Notifications: For news and new launch announcements, we rely on official press releases and notifications from the banks or their registered PR agencies.
• Official Partner Portals: Details of offers on e-commerce sites (Amazon, Flipkart), travel portals (MakeMyTrip, Yatra), or dining partners are verified against the official partner’s website or app.

1. Secondary Source Corroboration:

• Where official sources are ambiguous or lack detail, we may consult other reputable financial news platforms (e.g., Mint, Economic Times, Moneycontrol) for corroboration. However, the primary source always takes precedence.

1. Hands-On Testing (Where Applicable):

• For credit card reviews, our team, where possible, uses the products or conducts thorough research based on publicly available terms and conditions and user experiences to provide practical insights.
• We clearly distinguish between factual information (e.g., “This card offers 4 reward points per ₹150 spent”) and editorial opinion/experience (e.g., “We found the reward redemption process to be seamless”).

1. Dynamic Information & Regular Audits:

• We acknowledge that promotional offers, reward rates, and terms are dynamic and can change frequently without notice.
• Our team conducts scheduled audits of existing content to identify and update outdated information. The “Last Updated” date on each article reflects this process.
• Users are encouraged to report any potentially outdated information via our contact email.

4. Correction Policy

Despite our best efforts, errors can occur. We are committed to correcting them transparently and promptly.

• Identifying Errors: Errors can be identified by our internal audit team or reported by our users.
• Verification: Our team will verify the reported discrepancy against current primary sources.
• Correction: Once verified, the content will be edited to reflect the accurate information.
• Transparency: A clear correction notice will be appended to the article, stating what was corrected and when. For significant errors, a dedicated correction notice may be placed at the top or bottom of the article.

5. Handling of User-Submitted Information & Comments

• While we encourage user engagement, any information submitted by users (e.g., in comments or forums) is not fact-checked by our team before publication.
• This user-generated content does not represent the views of Card Genius. We rely on user reports to identify and remove any misleading or factually incorrect user comments.

6. Independence & Impartiality

• Our fact-checking process is independent of any commercial or advertising interests.
• Advertising & Sponsorship: Card Genius may earn commissions through affiliate links when users apply for a card through our platform. This does not influence our reviews or the factual information we present. We maintain a strict separation between our advertising and editorial teams.
• Our reviews and comparisons are based on objective analysis of card features and are not paid for by any bank or issuer.

7. Limitations & User Responsibility

• While we strive for 100% accuracy, the final terms and conditions of any financial product are solely determined by the issuing bank or financial institution.
• We strongly advise users to always read the final terms and conditions, application form, and welcome kit provided by the bank before applying for any credit card or availing of an offer. Card Genius is an information provider and not a financial advisor.

8. Contact Us for Feedback & Corrections

Your vigilance helps us maintain the highest standards of accuracy. If you believe you have found an error in our content or have a question about our fact-checking process, please reach out to us immediately.

Email: ask@cardgenius.co.in
Please include:

• The URL of the webpage in question.
• A detailed description of the potential error.
• The correct information with a link to the primary source (e.g., the bank’s official webpage) that verifies the correction.

We will review all submissions and respond in a timely manner.