Legal & Regulatory Disclaimer Hub

CredSutra (credsutra.in) ek independent credit card intelligence platform hai. RBI, SEBI, CCPA, aur ASCI ke compliance guidelines ke tehat hum ye legal aur regulatory disclaimers publish karte hain.

account_balance1. Non-Banking, Non-NBFC & Non-Lender Status (RBI Compliance)

RBI Regulatory Status

CredSutra ek pure informational engine hai aur RBI Digital Lending Guidelines (2022) ke tehat koi Bank, NBFC, DSA ya LSP nahi hai.

CredSutra cards issue nahi karta, application process nahi karta, KYC data collect nahi karta, aur credit limits decide nahi karta.

Sabhi credit cards RBI regulated banks dwara issue kiye jate hain. Final approval decision issuing bank ka hota hai.

Non-Credit Scoring & Zero Digital Surveillance: CredSutra kisi bhi individual ya business ki creditworthiness evaluate nahi karta, koi 'TrustScore' ya alternative credit score generate nahi karta, aur users ke UPI payments, SMS messages, bank statements ya utility bills ko track ya analyze nahi karta. CredSutra koi MSME ya business loans provide nahi karta.

analytics2. Non-Advisory & Financial Planning Disclaimer (SEBI Compliance)

SEBI Boundary

CredSutra SEBI-registered Investment Adviser ya Research Analyst nahi hai.

Sabhi reward calculators aur spend models algorithmic estimations hain jo educational purpose ke liye provide kiye gaye hain.

Platform content ko personalized financial ya tax advice na samjhein.

handshake3. Affiliate Transparency & Material Connection (ASCI & CCPA Guidelines)

ASCI & CCPA Transparency

Consumer Protection Act 2019 aur CCPA 2022 ke compliance me, partner links se applications par CredSutra ko affiliate compensation mil sakti hai.

Editorial Independence: Commercial agreements hamare card evaluation scores ya rankings ko change nahi karte.

Outbound application buttons me rel="noopener noreferrer sponsored" standard follow kiya jata hai.

branding_watermark4. Nominative Trademark Fair Use & Brand Ownership (Trade Marks Act, 1999)

Section 30 Trade Marks Act

Sabhi bank names, brand trademarks (jaise HDFC Bank, Axis Bank, ICICI Bank, SBI Card, RBL Bank, Kotak Mahindra Bank, American Express, IDFC First Bank, etc.), card titles (Infinia, Magnus, Regalia, Tata Neu, etc.) aur payment network logos (Visa, Mastercard, RuPay) unke respective banking corporations ke registered intellectual property hain. CredSutra in marks par koi ownership claim nahi karta.

Statutory Fair Use: CredSutra par in trademarks ka use Trade Marks Act 1999 Section 30 ke tehat strictly comparative identification aur consumer education purpose ke liye kiya gaya hai.

CredSutra ek independent platform hai aur kisi bhi bank se affiliated ya endorsed nahi hai.

fact_check5. MITC & Bank Schedule Changes

MITC Verification

Banks bina prior notice fees ya lounge access rules change kar sakte hain.

Apply karne se pehle official bank portal par Most Important Terms and Conditions (MITC) verify karein.

support_agent6. Grievance Redressal Desk (IT Rules 2021 & DPDP Act 2023)

Statutory Redressal Desk

IT Rules 2021 Rule 3(2) aur DPDP Act 2023 Section 8(9) compliance desk details:

Designation: Grievance Officer & Legal Counsel

Primary Contact: Tweet / DM @credsutra on X (https://x.com/credsutra)

Address: CredSutra Compliance Desk, Bengaluru, Karnataka 560001, India

SLA: 24 hours me acknowledgment, 15 days me disposal.

shield7. Intellectual Property, Procedural Visuals & Copyright Safe Harbor (Copyright Act, 1957)

Rule 3(2) Safe Harbor

Original Procedural Artwork: CredSutra par dikhaye gaye card visuals original procedural CSS/SVG designs hain. Hum banks ke proprietary 3D card renders, official photographs ya marketing images host nahi karte.

Fair Dealing for Criticism & Review: Sabhi editorial card reviews aur reward calculations Copyright Act 1957 Section 52(1)(a) aur Constitution Article 19(1)(a) ke tehat protected hain.

Notice & Takedown Protocol: Kisi bhi IP query ya objection ke liye hamare Grievance Officer ko @credsutra on X ya [email protected] par formal notice bhejein. Valid statutory notices 24-48 hours me address kiye jaate hain.