The information provided on FinWiz24 (finwiz24.com) is for general informational purposes only. By using this website, you acknowledge and agree to the following disclaimer in full.
1. Not Financial Advice
Nothing on FinWiz24 constitutes financial, legal, tax, investment, or professional advice. All content, including but not limited to card comparisons, reward calculations, fee summaries, and benefit descriptions, is purely informational.
Credit cards are complex financial products with terms and conditions that vary significantly based on individual circumstances. Always consult a qualified financial advisor before making any financial decision.
2. Not a Bank or Issuer
FinWiz24 is not a bank, credit card issuer, financial institution, broker, or lender. We do not issue credit cards, process applications, extend credit, or manage accounts.
When you apply for a credit card through a link on our website, you are applying directly to the card issuer. All application decisions, terms, conditions, and account management are handled solely by the issuer.
3. Information Accuracy
We make reasonable efforts to ensure the accuracy of information on FinWiz24. However:
- Credit card terms, annual fees, reward rates, milestone benefits, and lounge access policies change frequently.
- We may not always have the most current version of a card's terms.
- Issuer websites always take precedence over our site in case of discrepancies.
You are solely responsible for verifying all information directly with the card issuer before applying or making any financial decision.
4. Reward Rates and Benefit Values
All reward rates, point values, cashback percentages, and benefit estimates on FinWiz24 are based on:
- Published issuer documentation (termsheets, product pages, T&Cs)
- Standard spend patterns as defined by our methodology
- Assumptions that may not reflect your individual spending behavior
Actual value you receive will depend on your spending patterns, payment behavior, eligibility, and issuer policies. Past performance of a card's reward program is not indicative of future returns.
5. No Warranty
Our Services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
FinWiz24 does not warrant that:
- The information on our website is complete, accurate, or current
- Our website will be available at all times or without interruption
- Any errors or inaccuracies in content will be corrected
6. Limitation of Liability
To the maximum extent permitted by law, FinWiz24, its founders, employees, affiliates, and partners shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to:
- Your use of or reliance on information on this website
- Any decision made based on information from FinWiz24
- Any credit card application submitted through our links
- Errors, inaccuracies, or omissions in our content
- Any action taken in reliance on our comparisons or rankings
7. Affiliate Commission Disclaimer
FinWiz24 earns affiliate commissions when you click certain links and successfully apply for a credit card. This creates a potential conflict of interest. However, our editorial process is independent and our rankings are not influenced by affiliate relationships. See our Affiliate Disclosure for full details.
8. Third-Party Content
Our website may include links to third-party websites, content, or services. FinWiz24 does not endorse, verify, or assume responsibility for any third-party content, products, or services. Your interactions with third parties are solely between you and that third party.
9. User Responsibility
You acknowledge that:
- You are solely responsible for assessing whether a credit card is suitable for your financial situation
- Credit cards involve obligations (payments, interest, fees) that you must understand before applying
- Overextending credit can seriously damage your credit score and financial health
- You should read and understand the full terms and conditions of any card before applying
10. Changes to This Disclaimer
We reserve the right to modify this Disclaimer at any time. Updated versions will be posted on this page with a revised "Last updated" date. Your continued use of our Services after any changes constitutes your acceptance of the revised Disclaimer.
11. Governing Law
This Disclaimer is governed by the laws of India. Any disputes arising from this Disclaimer shall be subject to the exclusive jurisdiction of the courts in Bengaluru, Karnataka, India.
12. Contact
For questions about this Disclaimer, please contact us at legal@finwiz24.com.