Terms of Service & Advice Disclaimer

Welcome to CardSe (accessible from cardse.in). These Terms & Conditions outline the rules, guidelines, and disclaimers governing your use of our website. By accessing or using our services, you agree to comply with and be bound by these terms. If you do not agree, please do not use the site.

1. Informational & Educational Use Only

CardSe is an independent credit card research database and comparative atlas. All calculators, reviews, reward caps estimates, points conversions, and card recommendations provided on this site are for informational and educational purposes only.

CardSe is not a bank, financial institution, or licensed financial advisor. The content on this site does not constitute, and should not be construed as, financial, legal, investment, or credit advice. We do not guarantee that any card recommended on this site is suitable for your specific financial situation.

2. Accuracy of Credit Card Terms

Credit card fees, annual waiver spends thresholds, lounge access terms, reward caps, and airline points conversion ratios change frequently without prior notice. While we make every effort to audit our databases and keep the numbers updated, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or availability of the card details listed.

Before applying for any credit card or proceeding with points redemptions, you must verify all interest rates, fees, exclusions, and program rules directly on the issuing bank's or airline's official website. CardSe is not responsible for any financial loss, fees incurred, or missed rewards resulting from discrepancies in our databases.

3. External Referral & Affiliate Links

CardSe contains links to external banking portals, credit card application pages, and third-party tools. Some of these are referral or affiliate links that may generate a commission or reward for CardSe when a user successfully signs up. These commissions come at no extra cost to you.

We do not control and are not responsible for the content, privacy policies, terms of service, or security of any third-party websites or services. Your interactions with any external bank, card network, or airline are governed solely by their respective terms.

4. Intellectual Property & Nominative Fair Use

All code, design, layout, calculators, points-atlas logic, and text on CardSe are the property of CardSe and are protected by applicable copyright laws. You may not copy, scrape, republish, or redistribute our comparative tables or recommender code without written consent.

Credit card images, logos, product names, and co-branded bank trademarks are the property of their respective issuers (e.g., HDFC Bank, Axis Bank, Federal Bank, ICICI Bank). We display these marks solely for identification and informational comparison purposes under nominative fair use. CardSe is not affiliated with, endorsed by, or sponsored by any bank or card issuer.

5. No Card Issuance or Credit Approval

CardSe is an independent financial research and comparison portal. CardSe is not a bank, credit card issuer, or financial intermediary. CardSe does not evaluate creditworthiness, issue credit cards, process card applications, or collect financial credentials. All application decisions, underwriting, and card services are solely the responsibility of the respective issuing bank.

6. Privacy Policy & Google AdSense

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, store, and process user data, cookies, and comply with ad networks like Google AdSense.

7. Contact Information

If you have questions, corrections, or complaints regarding these Terms & Conditions or the contents of CardSe, please visit our Contact Us page or contact us via email at: editorial@cardse.in.