Terms of Use

Last updated: 16 October 2026

Education only

What I share on this site, in the newsletter and on social media is for education. It isn't financial, tax or legal advice. It comes from my own experience, and your situation may be different. Talk to a qualified professional before you make a financial decision.

No guarantees on cards or offers

Banks decide card approvals, credit limits, reward rates, fees and offers. I can't promise you'll get any card, limit or reward.

Things change

Card features, fees, reward programmes and tax rules change often. Something here may be out of date by the time you read it. Check the latest terms with your bank or the right authority before you apply or act.

Affiliate links

Some links on this site are affiliate links. I may earn a small commission, and it costs you nothing extra. As an Amazon Associate I earn from qualifying purchases. I only share things I use or have looked into properly.

Some links are bank referral links. If you apply through one and the bank approves you, I may receive a referral reward from the bank. It costs you nothing extra.

Content and design

The words, graphics and design on this site belong to me unless stated otherwise. Hometree Infotech Pvt Ltd designed and built the site. You're welcome to share links to it. Please ask before you copy or republish the content.

Other websites

This site links to other websites, like social networks, YouTube and Amazon. I'm not responsible for their content, products or privacy practices.

Limitation of liability

As far as the law allows, I'm not liable for any loss or damage from using this site or relying on its content. You use the information here at your own risk.

Governing law

Indian law applies to these terms. The courts in Odisha have jurisdiction over any disputes.