1. Acceptance of Terms

By accessing or using CardMax (“the Platform”), you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, you should not use our services.

2. Description of Service

CardMax is an AI-powered credit card advisory platform that helps Indian consumers compare credit cards, understand reward structures, and make informed decisions. Our services include:

• Credit card comparison and exploration tools
• Reward rate calculator across spending categories
• AI chatbot for credit card-related queries
• Side-by-side card comparison features

3. Not Financial Advice

CardMax is NOT a financial advisor, bank, or lending institution.

All information, recommendations, and comparisons provided on this platform are for informational purposes only. They do not constitute financial advice, investment advice, or any other type of professional advice. You should always conduct your own research and consult with a qualified financial advisor before making any credit card application or financial decision.

4. Accuracy of Information

We strive to keep credit card details (fees, rewards, benefits) accurate and up to date by sourcing from publicly available information from banks and financial institutions. However:

• Card terms, fees, and reward rates may change without notice from the issuing bank
• We do not guarantee the accuracy, completeness, or timeliness of any information on the platform
• Always verify current terms directly on the bank's official website before applying

5. Affiliate Disclosure

Some “Apply Now” links on CardMax may be affiliate links. This means we may earn a referral commission from the bank or card issuer when you apply for a credit card through our platform. This does not affect the card terms you receive or the cost of the card to you.

Affiliate relationships do not influence our card comparisons, recommendations, or the content of our AI chatbot responses. Our goal is to provide unbiased, helpful information regardless of affiliate partnerships.

6. User Responsibilities

When using CardMax, you agree to:

• Provide accurate information when creating an account
• Not misuse the platform or attempt to access it through unauthorized means
• Not scrape, copy, or redistribute content from the platform without permission
• Not use the AI chatbot for any unlawful or harmful purposes
• Be at least 18 years of age to use the platform

7. Intellectual Property

The CardMax platform, including its design, code, text content, and AI models, is owned by CardMax and protected by applicable intellectual property laws. Credit card names, logos, and product details are trademarks of their respective banks and financial institutions.

8. Third-Party Links

Our platform contains links to external websites, primarily bank and credit card application pages. We are not responsible for the content, privacy practices, or availability of these third-party sites. Clicking on external links is at your own risk.

9. AI Chatbot Limitations

Our AI chatbot is powered by machine learning and may occasionally provide inaccurate or incomplete information. Chatbot responses are generated based on our card database and should not be treated as definitive financial guidance. We are not liable for any decisions made based on chatbot responses.

10. Limitation of Liability

To the maximum extent permitted by law, CardMax shall not be liable for:

• Any credit card application being approved or denied
• Any financial loss arising from decisions made using our platform
• Any inaccuracies in card information displayed on the platform
• Any issues arising from third-party bank websites or services
• Service interruptions, data loss, or technical issues

11. Account Termination

We reserve the right to suspend or terminate your account if you violate these Terms & Conditions or engage in any activity that may harm the platform or other users. You may also delete your account at any time by contacting us.

12. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of India. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts in India.

13. Changes to Terms

We reserve the right to modify these Terms & Conditions at any time. Changes will be posted on this page with an updated date. Continued use of the platform after changes constitutes acceptance of the revised terms.

14. Contact

For any questions regarding these Terms & Conditions, please contact us:

Email: support@cardmax.in