Brand Disclaimer for Card Genius

 

Last Updated: [23-08-2025]

1. Introduction
   Welcome to Card Genius (“we,” “our,” “us,” or the “Website”), accessible at www.cardgenius.co.in. This Disclaimer governs your use of our Website and the services we provide. By accessing and using Card Genius, you acknowledge that you have read, understood, and agree to be bound by the terms of this Disclaimer.
2. No Financial or Professional Advice
   All content, information, comparisons, reviews, analyses, and materials published on Card Genius are provided for general informational and educational purposes only. They are not intended to constitute, and do not constitute, any form of financial, investment, tax, or legal advice.

You should not rely on the information on this Website as an alternative to professional advice from a qualified:

• Financial Advisor
• Chartered Accountant (CA)
• Or other professional financial services provider.

We strongly recommend that you seek independent professional advice before making any financial decisions or entering into any agreements related to credit cards or financial products.

3. Accuracy and Completeness of Information
   While we strive to provide accurate, up-to-date, and comprehensive information on credit cards, reward programs, and promotional offers, we do not guarantee, warrant, or represent that the information on our Website is current, complete, or error-free.

The financial industry is dynamic. Interest rates, fees, terms and conditions, and promotional offers (including but not limited to welcome bonuses, annual fee waivers, and reward points structure) are subject to change by the respective banks and financial institutions at any time without prior notice. We are not responsible for any discrepancies between the information on our Website and the actual terms offered by the issuer.

4. No Endorsement or Affiliation
   Card Genius is an independent informational portal. We are not a bank, financial institution, broker, or agent. We are not affiliated with, endorsed by, or sponsored by any of the credit card issuers, banks, or companies whose products we review or compare.

The inclusion of any credit card, financial product, or company on our Website does not imply our endorsement or recommendation. Reviews and comparisons are based on our subjective analysis and objective data available in the public domain.

5. Third-Party Links and Content
   Our Website may contain links to third-party websites, application forms, and services (e.g., bank websites). These links are provided for your convenience and do not signify that we endorse such websites.

We have no control over, and assume no responsibility for, the content, privacy policies, terms and conditions, or practices of any third-party websites or services. You access and use such third-party links entirely at your own risk.

6. User Responsibility and Outcomes
   Your use of any information on the Card Genius website is solely at your own risk. It is your sole responsibility to:

• Verify all critical information (such as fees, interest rates, and terms) directly with the respective bank or financial institution before applying for any product.
• Read and understand the terms and conditions of any financial product you consider.
• Ensure that any product you choose is suitable for your personal financial situation, needs, and objectives.

We are not liable for any application rejections, financial losses, damages, or any other negative outcomes resulting from your reliance on the information provided on this Website or your use of any credit card or financial product.

7. Advertising and Commercial Consideration
   Card Genius may generate revenue through advertising, affiliate partnerships, and sponsored content. This means we may receive a commission or other compensation if you apply for a card or purchase a product through specific links on our site.

Our reviews and rankings may be influenced by our partnership agreements. However, we strive to maintain editorial integrity, and our opinions and analyses are our own.

8. No Physical Address
   Card Genius operates solely as a digital web portal. We do not have a physical office or address for customer meetings or correspondence. All official communication should be directed electronically to our designated email address: ask@cardgenius.co.in.
9. Limitation of Liability
   To the fullest extent permitted by applicable law, Card Genius, its owners, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages, including but not limited to damages for loss of profits, data, or other intangible losses, resulting from:
   (i) Your access to or use of or inability to access or use the Website;
   (ii) Any conduct or content of any third party on the Website;
   (iii) Any unauthorized access to or use of our servers and/or any personal information stored therein;
   (iv) Any interruption or cessation of transmission to or from our Website.
10. Consent
    By using our website, you hereby consent to our disclaimer and agree to its terms.
11. Contact Us
    If you have any questions, concerns, or require clarification regarding this Disclaimer, please contact us at:
    Email: ask@cardgenius.co.in