Terms of Service

Effective Date: January 1, 2024

Acceptance of Terms

Welcome to RupayCardConnect, your premier destination for discovering and comparing credit cards from leading financial institutions across India. By accessing, browsing, or utilizing any features of our comprehensive credit card comparison platform, you hereby acknowledge that you have read, understood, and agree to be legally bound by these Terms of Service in their entirety. These terms constitute a binding legal agreement between you, as an individual user or representative of an organization, and RupayCardConnect, governing your use of our website, mobile applications, and all associated services. If you do not agree with any portion of these terms, you must immediately discontinue use of our platform and refrain from accessing any of our services, as continued use will be deemed as your explicit acceptance of these terms.

Service Description and Scope

RupayCardConnect operates as a comprehensive financial technology platform specializing in credit card comparison, analysis, and recommendation services. Our platform serves as an intermediary between consumers seeking credit card solutions and financial institutions offering various credit products. We provide detailed comparisons of credit card features, benefits, rewards programs, interest rates, fees, and eligibility criteria to help users make informed financial decisions. Our services include but are not limited to interactive comparison tools, personalized recommendations based on user preferences and financial profiles, educational content about credit management, application facilitation services, and ongoing customer support. While we strive to provide accurate and up-to-date information, we do not guarantee the completeness or accuracy of all data presented, as credit card terms and conditions are subject to change by issuing banks without prior notice.

User Eligibility and Account Management

To access certain features of RupayCardConnect, users must be at least 18 years of age and possess the legal capacity to enter into binding contracts under applicable law. Users are required to provide accurate, current, and complete information during the registration process and maintain the accuracy of their account information throughout their use of our services. Each user is responsible for maintaining the confidentiality of their account credentials, including usernames, passwords, and any other authentication information. Users must immediately notify us of any unauthorized access to their accounts or any other security breaches. We reserve the right to suspend or terminate accounts that violate these terms, engage in fraudulent activities, or pose security risks to our platform or other users. Users may not create multiple accounts, share account credentials with others, or use automated systems to access our services without explicit written permission.

Permitted Use and Restrictions

RupayCardConnect grants users a limited, non-exclusive, non-transferable license to access and use our platform for personal, non-commercial purposes in accordance with these terms. Users may browse credit card information, use comparison tools, read educational content, and apply for credit cards through our platform. However, users are strictly prohibited from engaging in activities that could harm our platform, other users, or partner financial institutions. Prohibited activities include but are not limited to: attempting to gain unauthorized access to our systems or databases, using automated scripts or bots to scrape data, reverse engineering our software or algorithms, distributing malware or engaging in any form of cyber attack, impersonating other users or entities, submitting false or misleading information, using our services for illegal activities, and violating intellectual property rights. Users must not interfere with the proper functioning of our website or attempt to bypass security measures implemented to protect our platform and user data.

Privacy and Data Protection

RupayCardConnect is committed to protecting user privacy and maintaining the highest standards of data security. We collect, process, and store personal information in accordance with our comprehensive Privacy Policy, which forms an integral part of these Terms of Service. By using our platform, users consent to the collection and processing of their personal data as described in our Privacy Policy. We implement industry-standard security measures to protect user information from unauthorized access, disclosure, alteration, or destruction. However, users acknowledge that no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security of user data. Users are responsible for maintaining the confidentiality of their personal information and should not share sensitive financial details through unsecured communication channels. We may share user information with partner financial institutions solely for the purpose of facilitating credit card applications and providing relevant offers, always in compliance with applicable data protection regulations.

Limitation of Liability and Disclaimers

RupayCardConnect provides its services on an "as is" and "as available" basis without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy of information. While we strive to provide reliable and current information about credit cards and financial products, we cannot guarantee the accuracy, completeness, or timeliness of all data presented on our platform. Users acknowledge that credit card terms, interest rates, fees, and eligibility criteria are determined solely by issuing banks and may change without notice. RupayCardConnect shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from the use of our services, including but not limited to loss of profits, data, or business opportunities. Our total liability to any user shall not exceed the amount paid by the user for our services in the twelve months preceding the claim, or one hundred dollars, whichever is greater.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will: limit or exclude our or your liability for death or personal injury resulting from negligence; limit or exclude our or your liability for fraud or fraudulent misrepresentation; limit any of our or your liabilities in any way that is not permitted under applicable law; or exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty. To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

Contact Information and Support

For any questions, concerns, or inquiries regarding these Terms of Service, our platform functionality, or general support matters, users may contact our dedicated customer service team through multiple channels. Our primary contact email is info@rupaycardconnect.shop, where our support specialists are available to assist with account-related issues, technical problems, and general inquiries about our services. We strive to respond to all user communications within 24-48 hours during business days. Users may also reach us through our website's contact form, live chat feature during business hours, or by calling our customer support hotline. We encourage users to review our comprehensive FAQ section before contacting support, as it contains answers to commonly asked questions about our platform, credit card comparisons, and application processes.

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