Refund and Cancellation Policy for Card Genius

 

Last Updated: August 23rd, 2025

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

1. Introduction

Welcome to Card Genius. We are a digital information portal dedicated to providing our users in India with comprehensive, accurate, and up-to-date information on credit cards, including details, promotional offers, reward points, rewards structures, card comparisons, reviews, and loyalty program information.

This Refund and Cancellation Policy outlines the terms and conditions regarding any payments made to Card Genius for our services. By subscribing to any of our paid services, you agree to the terms set forth in this policy.

2. Our Service Model

Please note that Card Genius is an information and advisory service. We aggregate, analyze, and present data to help you make informed decisions. We do not:

• Issue credit cards.
• Process credit card applications directly (we may provide links to bank websites).
• Guarantee the approval of any credit card application.
• Have control over the terms, conditions, or availability of offers provided by banks and financial institutions. These are subject to change by the issuers without prior notice to us.

3. Subscription Services and Payment

Card Genius may offer premium subscription plans that provide enhanced features, such as personalized card recommendations, advanced comparison tools, exclusive deal alerts, or ad-free browsing. All fees for these subscriptions are clearly stated on the website in Indian Rupees (INR) and are exclusive of applicable taxes.

4. Cancellation Policy
5. a) Free Services:
   You may discontinue using our free services at any time without any obligation to inform us.
6. b) Paid Subscription Services:

• During Free Trial (if applicable): If you cancel your subscription during a free trial period, your access to premium features will simply end at the conclusion of the trial period, and no charges will be incurred.
• Active Paid Subscription: You may cancel your paid subscription at any time through your account settings on our website. Upon cancellation, your subscription will remain active until the end of your current billing cycle. You will not be charged again, but you are not entitled to a prorated refund for the unused portion of the current billing period.

5. Refund Policy

Due to the immediate and digital nature of the information we provide, which is made available to you in full upon subscription, we have a strict no-refund policy for our subscription fees.

All sales are final, and payments are non-refundable.

This policy is in place because:

• Our service involves the provision of digital content that is not eligible for return.
• You gain immediate access to our proprietary data, tools, and analysis upon payment.
• The value of the service is derived from the constant effort in curation and is not tied to a specific outcome (e.g., card approval).

We will not provide any refunds for:

• Unused portions of a subscription period after cancellation.
• A change of mind after purchasing a subscription.
• If you did not utilize the information provided.
• If a bank changes or withdraws an offer that we had previously listed.
• Dissatisfaction with the service, unless it arises from a verifiable and significant failure on our part to deliver the service as described.

6. Exceptional Circumstances

Refunds may be considered only at our sole discretion in exceptional circumstances, such as:

• Technical Error: If a technical error on our website causes you to be charged multiple times for the same subscription.
• Unauthorized Transaction: If you can provide evidence that the payment was made fraudulently or without your authorization.

To request a review for an exceptional circumstance, you must contact us at ask@cardgenius.co.in within 14 days of the charge, providing detailed information and any supporting evidence.

7. Changes to Offers and Information

The credit card offers, rewards, and terms we list are sourced from publicly available information and are subject to change by the banks and financial institutions at any time. Card Genius strives to keep information accurate but cannot be held liable for any discrepancies. We are not responsible for any financial decisions you make based on the information provided on our platform.

8. Changes to This Policy

Card Genius reserves the right to modify this Refund and Cancellation Policy at any time. Any changes will be posted on this page with an updated “Last Updated” date. Your continued use of our services after any change signifies your acceptance of the new policy.

9. Contact Us

If you have any questions, concerns, or requests regarding this Refund and Cancellation Policy, please get in touch with us. We do not have a physical office address, so all communication must be handled electronically.

Email: ask@cardgenius.co.in

We will make our best effort to respond to all legitimate queries within 3-5 business days