Terms of Service

1. Acceptance of Terms

By accessing and using CardVault India ("the Site"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you are strictly prohibited from using the Site.

2. Accuracy of Information & "As-Is" Basis

The content provided on this Site, including but not limited to credit card reward rates, annual fees, forex markups, milestone benefits, and lounge access rules, is compiled for general informational purposes.

• No Warranties: All information is provided strictly on an "as-is" and "as-available" basis without any warranties of any kind, either express or implied.
• Zero Liability for Inaccuracies: Banks and financial institutions frequently change their terms, conditions, and reward structures without public notice (silent devaluations). The Site owner, operators, and affiliates accept absolutely zero responsibility or liability for any outdated, incorrect, or missing information on this Site.
• User Responsibility: It is your sole responsibility to independently verify all credit card features, fees, and terms directly with the official issuing bank before making any financial decisions or applying for a card.

3. Not Financial Advice

The Site owner is not a registered financial advisor, wealth manager, or banking professional. The reviews, calculators, and rankings provided on this Site represent personal opinions and mathematical models based on publicly available data. Nothing on this Site constitutes financial, legal, or tax advice. You are solely responsible for your own financial decisions and any resulting consequences.

4. Absolute Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall the Site owner, developers, or affiliates be held liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or in connection with your use of the Site. This includes, but is not limited to, financial losses due to declined credit card applications, unexpected bank fees, devalued reward points, account closures, or data breaches. Your use of this Site is entirely at your own risk.

5. Third-Party Links & Affiliate Relationships

The Site may contain affiliate links leading to external banking websites. We have no control over the content, security, privacy policies, or application approval processes of these third-party websites. If you interact with these external sites, you do so entirely at your own risk, and you agree that we bear no responsibility for any damages or losses caused by third-party platforms.

6. Modifications to Terms

We reserve the unconditional right to modify, alter, or replace these Terms of Service at any time without prior notice. Your continued use of the Site after any such changes constitutes your binding acceptance of the new terms.