Regulatory Disclaimer & Disclosures

1. SEBI Registration Status & Financial Advice

CardsGuruji is not a SEBI-registered Investment Adviser (RIA), Research Analyst, or Portfolio Manager. We do not provide personalized investment advice, portfolio management, or guaranteed return forecasts.

Any analysis of credit card rewards, cashback, or financial benefits is based on generic math and public data, not tailored to your specific financial situation. We strongly recommend consulting with a certified financial advisor before making significant financial decisions.

2. RBI Direct Selling Agent (DSA) & Affiliate Disclosure

In compliance with the Reserve Bank of India's (RBI) guidelines on the marketing of financial products, we disclose that CardsGuruji operates as a financial aggregator and marketing affiliate. We may have marketing arrangements with banking and non-banking financial companies (NBFCs).

How we are funded: Some links to credit cards and financial products on our website are affiliate links. If you click on these links and apply for a product, we may earn a referral commission from the issuing bank or financial institution at no additional cost to you. This compensation may impact how and where products appear on this site, but it does not influence our objective evaluations or editorial independence.

3. No Guarantee of Approval or Product Terms

CardsGuruji does not issue credit cards or underwrite loans. All applications initiated through our website are processed and evaluated entirely by the respective banking partners.

We cannot guarantee the approval of any financial product, specific credit limits, or interest rates. The final decision rests solely with the financial institution based on your credit profile, CIBIL score, and their internal risk policies. We are not responsible for any application rejections or subsequent impacts on your credit score.

4. Accuracy of Information

While we strive to maintain accurate and up-to-date information, the credit card industry is highly dynamic. Annual fees, interest rates, reward structures, lounge access lists, and promotional offers are subject to change by the issuers without prior notice. CardsGuruji makes no warranties regarding the absolute accuracy, completeness, or reliability of the information provided. Users are strictly advised to verify all fees, charges, and features directly on the issuer's official website before submitting an application.

5. Fair Use & No Superlatives

In accordance with SEBI's advertisement code, CardsGuruji does not claim to offer the "Best," "No. 1," or "Guaranteed" financial products. Any comparison or ranking provided on our platform is based on predefined internal methodologies (such as highest reward rate or lowest fee) and is entirely subjective.