Terms and Conditions

These Terms and Conditions ("Terms") govern your access to and use of the WealthAi LLP ("WealthAi", "we", "our", or "us") website, applications, and related services that help you discover and compare credit cards (collectively, the "Services").

1. Acceptance of Terms

By accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use the Services.

2. About WealthAi LLP

The Services are owned and operated by WealthAi LLP, an India-based product focused on helping users understand and compare credit card rewards, fees, and features. WealthAi is not a bank, issuer, or financial institution, and does not itself issue credit cards or provide loans.

3. Eligibility

You may use the Services only if you are at least 18 years old and are legally capable of entering into a binding contract under applicable law. By using the Services, you represent and warrant that you satisfy these requirements.

4. Nature of Information

Information about credit cards, including rewards, fees, and other features, may be sourced from public materials, issuer websites, or placeholder data. While we aim to keep information clear and helpful, we do not guarantee that it is complete, accurate, up to date, or suitable for your particular situation.

You should always verify details directly with the relevant bank, issuer, or official documentation before applying for or using any financial product.

5. No Financial Advice

The Services are for general informational and educational purposes only. WealthAi does not provide financial, investment, tax, or legal advice, and nothing on the Services should be treated as such. You are solely responsible for evaluating whether any product is appropriate for you, and you should consider seeking advice from a qualified professional before making financial decisions.

6. Your Responsibilities

When using the Services, you agree that you will:

Use the Services only for lawful purposes;
Not attempt to interfere with or disrupt the operation or security of the Services;
Not use any automated means (such as bots or scrapers) to access or collect data from the Services, except as permitted by us in writing;
Not reverse-engineer or attempt to derive the source code;
Respect the intellectual property and other rights of WealthAi and third parties.

7. Intellectual Property

All content, design, logos, graphics, and software made available through the Services are owned by or licensed to WealthAi and are protected by applicable intellectual property laws. You may use the Services and view content for your personal, non-commercial use only. You may not copy, modify, distribute, or create derivative works from the Services without our prior written consent.

8. Third-Party Links and Products

The Services may link to or reference third-party websites, products, or services. WealthAi does not control and is not responsible for the content, accuracy, or practices of any third-party site or service. Your use of such third-party resources is at your own risk and may be subject to separate terms and privacy policies.

9. Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, or statutory. WealthAi specifically disclaims any implied warranties of accuracy, merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

To the maximum extent permitted by law, WealthAi and its partners, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill arising out of or in connection with your use of the Services.

11. Changes to the Services and to these Terms

We may update or modify the Services, or these Terms, from time to time. If we make material changes, we may provide notice through the Services or by other reasonable means. Your continued use of the Services after changes become effective constitutes your acceptance of the updated Terms.

12. Termination

We may suspend or terminate your access to the Services at any time, for any reason, including if we reasonably believe you have violated these Terms. You may stop using the Services at any time.

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of India. Any disputes arising out of or relating to these Terms or the Services shall be subject to the exclusive jurisdiction of the courts located in India, subject to applicable law.

14. Contact

If you have questions about these Terms, you can contact WealthAi LLP through the contact details provided on our website.