Terms of Service

1. Acceptance of Terms

By accessing and using Card Navigator (cardnavigator.in), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website.

2. Description of Service

Card Navigator is an independent credit card comparison and recommendation platform for the Indian market. We provide information about credit cards from various banks and financial institutions to help users make informed decisions.

We are not a bank, financial institution, or credit card issuer. We do not issue cards, process applications, or have access to your financial data.

3. Affiliate Relationships

Card Navigator participates in affiliate marketing programs. When you click on "Apply Now" or similar links and successfully apply for a product, we may earn a commission from the partner.

Our recommendations are deterministic — they are based purely on mathematical calculations of rewards, fees, and benefits relative to your spending patterns. Commission rates do NOT influence our rankings or recommendations.

4. Accuracy of Information

We strive to provide accurate and up-to-date information about credit cards, including fees, rewards, benefits, and eligibility criteria. However:

• Card terms and conditions may change without notice
• Fees, rewards, and benefits may vary based on individual circumstances
• We recommend verifying all details with the issuing bank before applying
• We are not responsible for any decisions made based on information on this website

5. User Responsibilities

By using our website, you agree to:

• Use the website only for lawful purposes
• Not attempt to gain unauthorized access to any part of the website
• Not use automated tools to scrape or extract data from the website
• Verify all card information with the issuing bank before making financial decisions

6. Intellectual Property

All content on Card Navigator, including text, graphics, logos, and software, is the property of Card Navigator and is protected by Indian copyright laws. You may not reproduce, distribute, or create derivative works without our written permission.

Card names, logos, and trademarks are the property of their respective banks and financial institutions.

7. Limitation of Liability

Card Navigator shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the website. We are not responsible for:

• Any financial losses resulting from credit card applications
• Changes in card terms or availability
• Actions taken by third-party websites linked from our platform

8. Changes to Terms

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

9. Contact

For questions about these Terms, please visit cardnavigator.in/about.