Terms of Service
Last Updated: August 2026
CredSutra (credsutra.in) access karne par aap in Terms of Service se legally bound hote hain. Ye terms IT Act 2000, IT Rules 2021, aur RBI regulatory guidelines ke compliance me frame kiye gaye hain.
1. Platform Nature & SEBI Non-Advisory Disclaimer
CredSutra ek independent credit card analysis aur financial intelligence platform hai. Sabhi reviews, calculators aur devaluation trackers sirf educational aur informational purpose ke liye hain.
2. RBI Non-Lender, Non-DSA & Non-LSP Status
RBI Credit Card Issuance Directions (2022) aur Digital Lending Guidelines (2022) ke tehat:
- Independent Discovery Platform: CredSutra koi Bank, NBFC, Co-Branded Card Partner, DSA ya LSP nahi hai.
- No Credit Underwriting: Hum credit cards issue nahi karte, credit limit ya APR decide nahi karte, aur KYC data collect nahi karte.
- Official Bank Redirection: Apply buttons users ko direct official bank portals par redirect karte hain jahan bank card issue karne ka decision leta hai.
3. Affiliate Transparency & Dark Patterns Prevention
CredSutra Consumer Protection Act 2019 aur Dark Patterns Guidelines 2023 follow karta hai:
- Affiliate Compensation: Partner links se applications par hume referral commission mil sakti hai.
- Editorial Independence: Commercial agreements hamare card rating score ya ranking logic ko affect nahi karte.
- Zero Dark Patterns: Fake urgency tickers, hidden charges ya deceptive claims platform par strictly prohibited hain.
4. Bank Specs & MITC Verification
Hum schedules aur reward terms regularly update karte hain, lekin banks bina prior notice terms change kar sakte hain.
Apply karne se pehle official bank portal par Most Important Terms and Conditions (MITC) check zaroor karein.
5. Nominative Trademark Fair Use (Trade Marks Act 1999)
Sabhi bank names (HDFC, SBI, ICICI, Axis, Amex), card names (Infinia, Magnus, Regalia) aur network logos (Visa, Mastercard, RuPay) unke registered owners ke trademarks hain.
CredSutra par inka use Trade Marks Act 1999 Section 30 ke tehat descriptive aur comparative reference ke liye kiya gaya hai.
6. User Conduct & Security Rules
Automated scraping, reverse engineering ya API misuse strictly restricted hai.
7. Limitation of Liability
Card application rejection ya bank devaluations se hone wale kisi bhi indirect loss ke liye CredSutra liable nahi hoga.
campaign8. Statutory Grievance Redressal Desk (IT Rules 2021)
IT Rules 2021 Rule 3(2) ke tehat support aur complaints ke liye tweet/DM karein:
9. Governing Law & Jurisdiction
Ye terms Republic of India ke laws dwara govern hote hain aur kisi bhi dispute ke liye exclusive legal jurisdiction Bengaluru, Karnataka ka hoga.