Terms of Service

TL;DR — CardTrail provides credit card research for informational purposes only. We are not a financial advisor. Always verify details with your bank before applying for any card.

Effective date: 22 March 2026

These Terms of Service (“Terms”) govern your use of cardtrail.in (the “Site”), operated by PYT Co. (“we,” “us,” or “our”). By accessing the Site, you agree to these Terms.

1. Nature of Our Service

CardTrail is an independent credit card research and comparison platform. We provide:

• Credit card scores, comparisons, and analysis
• Educational content about credit cards in India
• Calculators and tools for credit card evaluation

We are not:

• A bank or financial institution
• A licensed financial advisor (as defined under SEBI or RBI regulations)
• A credit card issuer or application processor

Our content is for informational purposes only and does not constitute financial advice.

2. Accuracy of Information

We make every effort to keep our card database accurate and up-to-date. However:

• Card terms, fees, and benefits change frequently at the discretion of issuing banks
• We source data from official bank documents but cannot guarantee real-time accuracy
• Always verify terms directly with the issuing bank before applying for any card

If you find an error, please report it to us. We typically correct data issues within 24 hours.

3. CardTrail Score

Our CardTrail Score is a proprietary rating computed from four published dimensions. The methodology is documented on our methodology page. The score represents our analytical assessment and should be one of several factors in your card selection decision.

4. Affiliate Relationships

CardTrail may earn affiliate commissions when users apply for cards through links on our Site. Important:

• Affiliate relationships never influence our CardTrail Score or rankings
• Scores are calculated independently, before any commercial arrangement
• We disclose affiliate relationships where they exist
• See our editorial policy for details

5. User Conduct

When using our Site, you agree not to:

• Scrape, crawl, or automatically extract our content or data without written permission
• Reproduce our CardTrail Scores or proprietary analysis without attribution
• Use our Site for any unlawful purpose
• Attempt to interfere with the Site’s operation or security

6. Intellectual Property

All content on CardTrail — including text, scores, analysis, design, and the CardTrail Score methodology — is owned by PYT Co. and protected under Indian copyright law. You may share links to our content freely but may not reproduce substantial portions without permission.

7. Limitation of Liability

To the maximum extent permitted by Indian law:

• CardTrail is provided “as is” without warranties of any kind
• We are not liable for any financial decisions you make based on our content
• We are not liable for errors or omissions in card data, though we strive to correct them promptly
• Our total liability for any claim shall not exceed INR 1,000

8. Third-Party Links

Our Site may contain links to bank websites, card application pages, or other third-party resources. We are not responsible for the content, privacy practices, or terms of any third-party site.

9. Governing Law

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in Bengaluru, Karnataka.

10. Changes to These Terms

We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the updated Terms.

11. Contact

Questions about these Terms? Email us at [email protected] or visit our contact page.