By accessing and using Creditkeeda ("we," "us," or "our"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms of Service apply to all visitors, users, and others who access or use our website and services.

Description of Service

Creditkeeda provides credit card reviews, comparisons, financial education content, and a community platform. Our services include:

• Credit card reviews and comparisons
• Financial education articles and guides
• Travel rewards information
• Community comments and discussions
• User-generated content and reviews

User Accounts

Google Authentication

To participate in discussions or contribute content, you can sign in using your Google account. I do not collect or store passwords - authentication is handled securely through Google's OAuth system.

Account Responsibilities

• You are responsible for maintaining the security of your Google account
• You are responsible for all activities under your account
• You must notify me immediately of any unauthorized use
• You may not use another person's account

User Conduct

You agree not to use our service to:

My Content

All content on Creditkeeda, including text, graphics, logos, images, and software, is my property and is protected by copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works without my written permission.

User-Generated Content

By posting comments, reviews, or other content on my website, you grant me a non-exclusive, royalty-free, perpetual, and worldwide license to use, display, and distribute your content in connection with Creditkeeda. This includes the right to use your content for promotional purposes to grow and improve the website.

Content Moderation

I reserve the right to moderate, edit, or remove any comments, reviews, or user-generated content that I deem inappropriate, offensive, spam, or in violation of these terms. This includes but is not limited to content that is:

• Harmful, threatening, or abusive
• Spam or promotional in nature
• In violation of intellectual property rights
• Off-topic or not relevant to the discussion
• In violation of applicable laws

Privacy

Your privacy is important to me. My collection and use of personal information is governed by my Privacy Policy, which is incorporated into these Terms by reference. By using my website, you consent to the collection and use of your information as outlined in my Privacy Policy.

Affiliate Relationships

Creditkeeda participates in affiliate marketing programs. This means I may earn a commission when you click on links to credit card applications, financial products, or services, and subsequently apply for or purchase those products or services.

Transparency Commitment

• I clearly disclose all affiliate relationships
• My reviews are based on merit and user experience
• I accept no payment for favorable reviews
• Affiliate links are clearly marked when possible
• You can choose whether to use affiliate links or go directly to providers

Financial Advice Disclaimer

The information provided on Creditkeeda is for educational and informational purposes only. It is not intended as financial advice, investment advice, or a recommendation to purchase or sell any financial product. Always consult with qualified financial professionals before making financial decisions.

No Warranty

Our service is provided "as is" without warranties of any kind, either express or implied. We do not warrant that our service will be uninterrupted, error-free, or secure.

Limitation of Liability

In no event shall Creditkeeda, its directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of our service.

Our total liability shall not exceed the amount paid by you, if any, for accessing our service in the twelve months preceding the claim.

Termination

We may terminate or suspend your account and access to our service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

Upon termination, your right to use our service will cease immediately.

Governing Law

These Terms shall be interpreted and governed by the laws of India, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts in India.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the new Terms on this page and updating the "Last Updated" date. Your continued use of our service after such modifications constitutes acceptance of the updated Terms.