Terms & Conditions

Welcome to CardsGuruji. These Terms and Conditions govern your use of our website located at cardsguruji.com and all associated pages, tools, comparisons, and lead submission services (collectively, the "Service").

By accessing or using our Service, you agree to be bound by these Terms and Conditions. If you disagree with any part of these terms, you are prohibited from accessing the website or using our lead-generation forms.

1. Scope of Service & Regulatory Disclaimer

CardsGuruji operates as an independent financial aggregator, educational platform, and marketing affiliate. We present details, rewards, ratings, and fees of various credit cards for informational purposes.

• Not a Financial Institution: We are not a bank, NBFC, credit card issuer, lender, or SEBI-registered financial advisor. We do not issue credit cards, grant credit lines, or make underwriting decisions.
• No Guarantee of Approval: Submitting your information via our "Apply Now" form does not guarantee card approval. Final approval is subject strictly to the card-issuing bank's internal eligibility criteria, verification checks, and risk policies.
• Verify Directly: Card issuers frequently update fees, interest rates (APR), reward structures, and lounge access terms without prior notice. While we strive to maintain accurate data, you must independently verify all product terms on the official issuer's website before finalizing an application.

2. User Accounts & Lead Submission Obligations

By submitting a lead generation form on CardsGuruji, you agree to:

• Provide accurate, current, and complete details, including your full legal name, active email address, valid Indian mobile number, actual monthly income, and estimated CIBIL/credit score.
• Refrain from submitting fake, deceptive, or third-party details. You must only apply using your own identity.
• Consent to being contacted by CardsGuruji and our partnered financial institutions (via Call, SMS, WhatsApp, or Email) to process your application, in accordance with our DPDP Act-compliant Privacy Policy.

3. CIBIL & Credit Score Declaration

The CIBIL / Credit score field on our forms is user-declared. CardsGuruji does not execute a "hard pull" on your credit file during form submission. Your self-declared score is forwarded to our bank partners for preliminary assessment. Please be aware that the card issuer will likely perform a formal hard credit inquiry during their underwriting process, which may impact your credit score.

4. Intellectual Property Rights

The Service and its original content, design layouts, source code, comparison matrices, and branding are the exclusive property of CardsGuruji and are protected by Indian and international copyright, trademark, and intellectual property laws. You may not scrape, reproduce, distribute, or modify any page content or database information without prior written permission.

5. Limitation of Liability

In no event shall CardsGuruji, its founders, employees, or partners be liable for any direct, indirect, incidental, special, or consequential damages resulting from (a) your use or inability to use the Service; (b) financial decisions or applications made based on our reviews and comparisons; or (c) any dispute, transaction, or fee levy arising between you and the respective card-issuing bank. All financial and contractual commitments are solely between you and the financial institution.

6. Governing Law & Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of India. Any legal action, dispute, or proceeding arising out of or related to these terms shall be subject to the exclusive jurisdiction of the competent courts located in New Delhi, Delhi, India.

7. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time to reflect changes in regulatory requirements or business practices. When we make changes, we will update the "Last Updated" date at the top of this page. Your continued use of the Website after modifications constitutes your acceptance of the revised Terms.