Terms and Conditions

1. Acceptance of Terms

By accessing and using CardAdvisorHub ("we," "our," or "us"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

CardAdvisorHub is a credit card comparison and recommendation platform that provides:

• Credit card comparisons and analysis
• Personalized card recommendations
• Financial calculators and tools
• Educational content about credit cards
• Links to credit card applications with partner banks

Important: We are not a financial institution and do not issue credit cards directly.

3. User Responsibilities

Accurate Information

You agree to provide accurate, current, and complete information when using our services. You are responsible for maintaining the confidentiality of your account information.

Prohibited Uses

You may not use our service:

• For any unlawful purpose or to solicit others to unlawful acts
• To violate any international, federal, provincial, or state regulations or laws
• To transmit or create any harmful code, virus, or malware
• To spam, phish, pharm, pretext, spider, crawl, or scrape
• To interfere with or circumvent the security features of the service

4. Credit Card Applications

Third-Party Applications

When you apply for credit cards through our platform, you are applying directly with the issuing bank or financial institution. We facilitate the connection but are not responsible for:

• Approval or rejection of credit card applications
• Terms and conditions offered by card issuers
• Changes in card benefits or features
• Customer service issues with card issuers

Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts to apply for credit cards.

5. Affiliate Relationships and Compensation

Disclosure

CardAdvisorHub may receive compensation from credit card issuers when users apply for or are approved for credit cards through our platform. This may include:

• Referral fees for successful applications
• Commission payments from partner banks
• Advertising revenue from card issuers

Editorial Independence

Our compensation does not influence our editorial content, recommendations, or rankings. We strive to provide unbiased information to help you make informed decisions.

6. Disclaimer of Warranties

The information on CardAdvisorHub is provided on an "as is" basis. To the fullest extent permitted by law, we disclaim all warranties, whether express or implied, including:

• Accuracy, completeness, or reliability of information
• Fitness for a particular purpose
• Non-infringement of third-party rights
• Uninterrupted or error-free service

7. Limitation of Liability

CardAdvisorHub shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation:

• Loss of profits or revenue
• Loss of data or information
• Business interruption
• Personal injury or property damage
• Credit score impact from applications

Our total liability shall not exceed the amount you paid to us, if any, for using our services.

8. Intellectual Property

Our Content

All content on CardAdvisorHub, including text, graphics, logos, images, and software, is our property or licensed to us and is protected by copyright and trademark laws.

User Content

By submitting content to our platform (reviews, comments, etc.), you grant us a non-exclusive, royalty-free license to use, modify, and distribute such content.

9. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the service, to understand our practices.

10. Indemnification

You agree to defend, indemnify, and hold harmless CardAdvisorHub and its affiliates from any claims, damages, costs, and expenses (including attorney fees) arising from:

• Your use of our services
• Your violation of these terms
• Your violation of any rights of another party
• Any content you submit to our platform

11. Modifications to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of the service after changes constitutes acceptance of the new terms.

12. Termination

We may terminate or suspend your access to our service immediately, without prior notice, for any reason, including breach of these terms.

13. Governing Law

These terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts in India.

14. Contact Information

If you have any questions about these Terms and Conditions, please contact us: