Terms of Use

CardSparrow is an online information, comparison and referral platform for credit cards and personal loans offered by banks, non-banking financial companies (NBFCs) and other lenders in India (each a "Lender" or "Regulated Entity" / "RE").

We are not a bank, NBFC, card issuer, lender, payment system operator, credit information company or investment adviser, and we are not licensed or regulated by the Reserve Bank of India (RBI), SEBI or IRDAI. We do not issue, sanction, underwrite, price, service, collect or recover any credit product. Every decision about your application is made by the Lender alone.

Depending on the product, CardSparrow acts either as (a) a marketing / referral affiliate that links you to a Lender's own application page, or (b) a Lending Service Provider (LSP) or sourcing partner engaged by a Lender under a written agreement, in which case the Lender remains fully responsible for the product under RBI's Digital Lending Directions.

Where we act as an LSP:

• The Lender's name is shown to you before you apply, and any loan is disbursed by the Lender directly to your bank account. We never receive, hold or route loan funds or repayments.
• The Lender will give you a Key Fact Statement (KFS) with the annual percentage rate (APR), all fees and the recovery policy before you sign. Read it. If anything on our site conflicts with the KFS, the KFS prevails.
• We do not charge you any fee. Any fee we earn is paid by the Lender and is disclosed in our Disclaimer.
• We do not access your contacts, call logs, files or media. We collect only what is listed in our Privacy Policy.
• You may raise a grievance about our part of the process with our Grievance Officer, and about the Lender's conduct with the Lender's grievance officer and thereafter the RBI Integrated Ombudsman.

Credit cards shown on the Platform are issued under RBI's Master Direction on Credit Card and Debit Card – Issuance and Conduct. In particular:

• A card can be issued only with your explicit consent; unsolicited cards are prohibited. If you receive a card you did not apply for, report it to the issuer and RBI.
• The issuer must give you the Most Important Terms and Conditions (MITC) and may not charge any fee that was not disclosed at the time of issue.
• You can close a card at any time; the issuer must process closure within seven working days.
• Interest, late fees and the minimum amount due rules are set by the issuer and the RBI, not by CardSparrow.

Fees, reward rates, caps, lounge benefits and offers we show are collected from the issuer's public documents and are indicative. Confirm them in the MITC before you apply.

You must be an individual aged 18 years or more, resident in India, competent to contract under the Indian Contract Act, 1872, and applying for your own use. You confirm that every detail you give is true, complete, current and your own (or that you have the person's authority), and that you will update it if it changes. Business, bulk or automated use requires our written permission.

When you submit an enquiry we collect the details shown on the form, run a simple rule-based pre-check (for example the Lender's minimum income or age) and, with your consent, either redirect you to the Lender's page or share your details with the Lender or its authorised partner.

A pre-check result, match score or "eligible" label from CardSparrow is not a sanction, pre-approval, offer or guarantee. The Lender may ask for documents, run a credit bureau enquiry (which may affect your credit score) and approve or decline at its discretion.

By submitting a form you consent to being contacted by CardSparrow and the chosen Lender by phone, SMS, e-mail and WhatsApp about that enquiry, including if your number is registered under TRAI's Do-Not-Disturb registry, for the limited purpose of completing it. You can withdraw this consent at any time (see Privacy Policy).

The Platform is free for you. We may receive a referral, marketing or success fee from a Lender or an affiliate network when you apply, or when a product is approved, activated or disbursed. This never increases the price you pay and does not change our editorial ratings or ordering. Full details are in our Disclaimer & Affiliate Disclosure.

You agree not to:

• give false, misleading or another person's information, or apply on someone else's behalf without authority;
• use bots, scrapers or automated scripts to access the Platform or submit forms;
• copy, republish or sell our content, data, ratings or design without permission;
• attempt to bypass security, probe or overload our systems, or introduce malware;
• post or transmit anything unlawful, defamatory, infringing or harmful; or
• use the Platform for money laundering, fraud or any purpose prohibited by law.

We may restrict, suspend or terminate access for breach and may report unlawful activity to the authorities.

Reviews, scores, "Editor's pick" labels and Card Finder results are our general editorial opinion based on published terms and the answers you give. They are not personalised financial, investment, legal or tax advice and do not take account of your full circumstances. Credit products carry cost and risk; borrow only what you can repay and consider independent advice.

The CardSparrow name, sparrow-on-card logo, tagline, reviews, scores, site design and code are owned by CardSparrow and protected by Indian and international law. Lender, card and network names and logos belong to their owners and are used only to identify the products compared; their presence does not imply endorsement or a partnership unless stated. You may view and print pages for personal, non-commercial use only.

Links to Lenders, affiliate networks, payment pages or other sites take you to services we do not control. Their terms and privacy policies govern once you leave. We are not responsible for their content, availability, security or the products they provide.

We may change, suspend or withdraw any part of the Platform, and may update product information, at any time without notice. We try to keep the Platform available but do not guarantee uninterrupted or error-free access.

The Platform and its content are provided "as is" and "as available" without warranties of any kind, express or implied, including accuracy, completeness, merchantability, fitness for a particular purpose or non-infringement, to the extent permitted by law.

To the fullest extent permitted by law, CardSparrow, its owners, employees and partners are not liable for any indirect, incidental, special, consequential or punitive loss, loss of profit, data or goodwill, or any loss arising from: a Lender's decision, delay, pricing, product or conduct; your reliance on information on the Platform; unauthorised access to your data caused by factors outside our reasonable control; or your use of third-party sites. Our aggregate liability for all claims relating to the Platform is limited to ₹1,000. Nothing in these Terms limits liability that cannot be limited under Indian law, including under the Consumer Protection Act, 2019.

You will indemnify and hold CardSparrow harmless from claims, losses, penalties and expenses (including reasonable legal fees) arising from your breach of these Terms, your violation of law or third-party rights, or false information you submit.

If you have a complaint about the Platform, write to our Grievance Officer: Grievance Officer (to be appointed), e-mail grievance@cardsparrow.com, phone +91 98765 43210 (Mon–Fri, 10 am – 6 pm IST). We acknowledge complaints within 24 hours and aim to resolve them within 15 days, in line with the IT (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 and the DPDP Act, 2023. Complaints about a Lender's product or service should go to that Lender's grievance officer; if unresolved within 30 days you may approach the RBI Integrated Ombudsman at cms.rbi.org.in. See our Grievance Redressal page for the full process.

These Terms are governed by the laws of India. Subject to any mandatory rule that lets a consumer approach a forum in their own district, the courts at Mumbai, Maharashtra have exclusive jurisdiction over disputes relating to the Platform.

These Terms, the Privacy Policy and the Disclaimer are the entire agreement between you and CardSparrow for the Platform. If any clause is held invalid, the rest remains in force. Our failure to enforce a right is not a waiver. We may assign our rights to a successor; you may not assign yours. We may update these Terms; the date at the top shows the current version and continued use after a change means you accept it. Questions: legal@cardsparrow.com.