Terms & Conditions

1. Acceptance of Terms

By accessing and using Cardmate ("the Platform"), you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services.

2. Description of Services

Cardmate is a credit card comparison and recommendation platform operated by Risenine Technologies Pvt Ltd. We provide:

• Credit card comparison tools
• Personalized card recommendations based on your profile
• Rewards calculators and CIBIL score prediction tools
• Information about credit card features, benefits, and fees

3. User Responsibilities

You agree to:

• Provide accurate and complete information when using our services
• Keep your account credentials secure and confidential
• Not misuse or attempt to gain unauthorized access to our platform
• Comply with all applicable laws and regulations
• Not use our services for any fraudulent or illegal purposes

4. Information Accuracy

While we strive to provide accurate and up-to-date information about credit cards, we do not guarantee the completeness or accuracy of the information displayed. Credit card features, fees, and benefits are subject to change by the issuing banks. Always verify details directly with the credit card issuer before applying.

5. Third-Party Services

When you apply for a credit card through our platform, you will be redirected to the bank or financial institution's website. Your relationship with these third parties is governed by their respective terms and conditions, not ours.

6. Intellectual Property

All content on Cardmate, including text, graphics, logos, and software, is the property of Risenine Technologies Pvt Ltd and protected by copyright and trademark laws. You may not reproduce, distribute, or modify any content without our written permission.

7. Limitation of Liability

Cardmate and Risenine Technologies Pvt Ltd shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of our services, including but not limited to credit card application rejections, financial losses, or data breaches.

8. Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website. Your continued use of the platform constitutes acceptance of the updated terms.

9. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Bangalore, Karnataka.

10. Contact Information