Intellectual Property Policy for Card Genius

 

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

1. Introduction

Welcome to Card Genius (“we,” “us,” “our”). We are a digital information provider operating through our website cardgenius.co.in, offering comprehensive credit card information, details, promotional offers, reward points structures, comparisons, reviews, and loyalty program details to our subscribers in India.

This Intellectual Property Policy (“IP Policy”) outlines the ownership, permitted use, and protection of all intellectual property rights associated with our Website and Services. By accessing or using our Website, you (“User,” “you,” “your”) acknowledge that you have read, understood, and agree to be bound by the terms of this IP Policy. If you do not agree with these terms, please do not use our Website.

2. Ownership of Intellectual Property

All intellectual property displayed on, contained within, or underlying the Card Genius Website is the exclusive property of Card Genius or its licensors and is protected by applicable Indian and international copyright, trademark, patent, and other intellectual property laws.

The intellectual property includes, but is not limited to:

• Brand Identity: The name “Card Genius,” our logo, and any other graphics, logos, page headers, button icons, scripts, and service names are our trademarks, trade names, or trade dress.
• Website Content: All text, graphics, photographs, images, user interfaces, visual interfaces, design, structure, selection, coordination, expression, “look and feel,” arrangement of our content, and all other original material created by our team.
• Compilations and Databases: The specific selection, coordination, and arrangement of credit card information, offers, and comparison data. This compilation is a valuable asset and is protected as a collective work and/or database under copyright law.
• Software and Code: All source code, object code, algorithms, HTML, CSS, JavaScript, and other software and technological elements used to operate the Website.
• Third-Party IP: Intellectual property belonging to third parties, such as bank logos, credit card product names, and specific terms of offers, which are used under principles of “fair dealing” or with implied permission for the purpose of review, criticism, and comparison.

3. User Guidelines: Permitted and Prohibited Uses
4. Permitted Use:
   We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Website for your personal, non-commercial, informational purposes only. This license is subject to your compliance with this IP Policy and our Terms of Service.
5. Strictly Prohibited Uses: You are expressly prohibited from:

• Copying, Reproducing, or Distributing: Republishing, duplicating, copying, selling, reselling, or exploiting any portion of the Website for any commercial purpose without our express written consent.
• Modifying or Creating Derivatives: Modifying, adapting, translating, reverse engineering, decompiling, disassembling, or creating derivative works based on our Website or any content therein.
• Scraping and Data Mining: Using any automated system, including “robots,” “spiders,” “offline readers,” or other automated data mining tools, to access, scrape, or systematically retrieve data from the Website for any purpose.
• Trademark Misuse: Using our trademarks, logos, or any other proprietary information without our prior written consent. This includes use in metatags, keywords, or hidden text.
• Framing: Framing or utilizing framing techniques to enclose any trademark, logo, or other proprietary information without express written consent.
• Misrepresentation: Misrepresenting your identity or falsely implying any affiliation or endorsement by Card Genius.

4. User-Generated Content

Our Website may allow users to post reviews, comments, or other content (“User Content”).

• Your Rights: You retain any copyright you hold in the original elements of the User Content you submit.
• License to Us: By submitting User Content, you grant Card Genius a worldwide, perpetual, irrevocable, royalty-free, non-exclusive, and sub-licensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such User Content (in whole or part) across all media formats and through any media channels. This license is for the purpose of operating, promoting, and improving our Services.
• Your Responsibility: You are solely responsible for the User Content you post. You represent and warrant that you own or have the necessary rights to the User Content and that it does not infringe upon the intellectual property rights, privacy rights, or any other legal rights of any third party.

5. Third-Party Intellectual Property & Fair Dealing

Card Genius features numerous trademarks, logos, and product information owned by banks, financial institutions, and other third parties (e.g., “HDFC Bank,” “Infinia,” “American Express,” “Reward Points”). These are the property of their respective owners.

• No Affiliation or Endorsement: Our use of these third-party trademarks does not imply any affiliation with, sponsorship by, or endorsement from these respective owners. We use them strictly for the purposes of identification, commentary, criticism, and comparison.
• Fair Dealing: Our use of this third-party intellectual property is conducted under the Indian legal doctrine of “fair dealing” for the purposes of reporting, review, and criticism, as permitted under Section 52 of the Indian Copyright Act, 1957.

6. Copyright and Trademark Notice

If you are a trademark or copyright owner and believe that your work has been copied or used on our Website in a way that constitutes infringement, please notify our designated agent at ask@cardgenius.co.in.

Your notification must include:

1. A physical or electronic signature of the authorized person.
2. Identification of the copyrighted work or trademark claimed to have been infringed.
3. Identification of the material that is claimed to be infringing and information reasonably sufficient to permit us to locate the material.
4. Your contact information, including address, telephone number, and email.
5. A statement that you have a good faith belief that use of the material is not authorized by the IP owner.
6. A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner.

We will review and respond to bona fide notices of alleged infringement in accordance with applicable law.

7. Disclaimer

The information provided on Card Genius is for general informational purposes only. While we strive to ensure accuracy, we do not guarantee the completeness, reliability, or absolute accuracy of any information on the Website. All credit card terms, conditions, and offers are subject to change by the issuing banks without prior notice. Users must verify all information directly with the respective bank or financial institution before making any decisions.

8. Changes to This Policy

We reserve the right to modify this Intellectual Property Policy at any time. We will do so by posting an updated version on this page with a revised “Last Updated” date. Your continued use of the Website after any such changes constitutes your acceptance of the new IP Policy.

9. Contact Information

For any questions, concerns, or notices regarding this Intellectual Property Policy, please contact us at:

Email: ask@cardgenius.co.in