This agreement outlines the terms and conditions that apply to the access and use of the website ourmoneyguide.com . This is an electronic agreement , and does not require any physical or digital signatures. By accessing and using this website, the users will be governed by this agreement.

Modification : Please do return to this page regularly to review the most current terms and conditions. We reserve the right to modify the terms and conditions at any time, at our sole discretion, without prior notice. By continuing to access and use this website, you signify your acceptance of the current terms and conditions.

Target Audience : This website is intended to be used by Indian citizens, who are over 18 years of age.

Information and Education Services : Our service primarily involves providing information and education – as of now about credit cards in India. We provide information that is generic in nature, hence it may not be suitable for your personal circumstances.

Therefore before making any financial decisions or implementing a financial strategy, , including recommendations of third parties identified through our services, we highly recommend that you obtain additional information and advice of financial advisors and/or accountants who are fully aware of your individual circumstances.

We make no warranties, or guarantees, express or implied, regarding the results or savings that may be obtained through the use of our services. You hereby release us of any and all losses, costs, damages or claims in connection with, arising from or related to your use of our services.

We are not a service provider : We are just an intermediary between you and third party service providers (like Banks, Credit Card issuers, other fintech apps & services) , and expressly disclaim any liability for any content, products, or services provided by such service providers.  We often link to websites of these service providers , but we can’t be responsible for their content. Service providers are solely responsible for the services they provide you.

No warranties or guarantees : We make no warranties or guarantees, express or implied, regarding any third party service or advice provided by a third party, or any quotes or offers provided through the services. We again urge you to read all the terms & conditions of the respective service provider before taking any financial decisions, and also obtain the advice of financial advisors and/or accountants, or other qualified professionals who are fully aware of your individual circumstances before you make any financial decisions.

You hereby release us of any and all losses, costs, damages or claims in connection with, arising from or related to your use of a service provider’s products or services, including any fees charged by a service provider.

Our services are provided “as is” and on an “as available” basis, without warranty or condition of any kind, either express or implied. Although we seek to maintain safe, secure, accurate, and well-functioning services, we cannot guarantee the continuous operation of or access to our services, and there may at times be inadvertent technical or factual errors or inaccuracies. You assume all risk for any/all damages that may result from your use of or access to the services. 

No guarantee of accuracy : We always strive to give you accurate product information. However the details you see on the websites of service providers might vary with what is available on this website, because of various reasons. We do not guarantee the accuracy of, and disclaim any and all liability for, any errors or other inaccuracies in the information and recommendations made available through our service. We encourage you to review the specific terms and conditions on the service provider’s (bank, credit card issuer’s) website.

Opinions expressed on this website are from us alone, and not those of any bank, credit card issuer, and have not been reviewed or approved by any of these entities. This site does not include all credit card companies or all available credit card offers.

Indemnification :  You agree that you will be personally responsible for your use of our services, and you agree to defend, indemnify, and hold harmless this website from and against any and all claims, liabilities, damages, losses, and expenses (including attorneys’ and accounting fees and costs), arising out of or in any way connected with (i) your access to, use of, or alleged use of the services; (ii) your violation of the terms and conditions or any applicable law or regulation; (iii) your violation of any third party right, including without limitation any intellectual property right, publicity, confidentiality, property, or privacy right; or (iv) any disputes or issues between you and any third party. 

Limitation of Liability :  In no event will we be liable to you for any incidental, special, consequential, direct, indirect, or punitive damages, whether based on warranty, contract, tort (including negligence), statute, or any other legal theory.

Advertising : The credit card offers that appear on the website are from credit card companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However our evaluation and views that we state on this website will be completely independent. This site does not include all credit card companies or all available credit card offers.

IP – Our Intellectual Property Rights : Our names, graphics, logos, page headers, button icons, scripts, and service names are our trademarks. You may not use the trademarks without our prior written permission. We make no proprietary claim to any third-party names, trademarks or service marks appearing on our services. Any third-party names, trademarks, and service marks are property of their respective owners.

Viewing, reading, printing, downloading or otherwise using the content and/or the collective work does not entitle you to any ownership or intellectual property rights to the content, the collective Work, or the software.

You are solely responsible for any damages resulting from your infringement of our or any third-party service provider’s intellectual property rights regarding the trademarks, the content, the collective Work, the software and/or any other harm incurred by us or our affiliates as a, direct or indirect, result of your copying, distributing, redistributing, transmitting, publishing or using the same for purposes that are contrary to the terms and conditions of this agreement.

You may not interfere with our services : You agree that you will not use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor our services or any portion of our services or for any other purpose, without our prior written permission.

Additionally, you agree that you will not: (i) take any action that imposes, or may impose in our sole discretion an unreasonable or disproportionately large load on our infrastructure; (ii) copy, reproduce, modify, create derivative works from, distribute or publicly display any content (except for your personal information) from our services without our prior written permission and the appropriate third party service providers, as applicable; (iii) interfere or attempt to interfere with the proper working of our services or any activities conducted on our services; or (iv) bypass any robot exclusion headers or other measures we may use to prevent or restrict access to our services.