Terms of Service & Computation Disclaimer
LAST REVISED: MARCH MMXXVI · JURISDICTION: INDIA
1. Nature of the Service
EQUIS.IN operates purely as an algorithmic financial analysis engine, educational journal, and interactive comparison utility. EQUIS is not a bank, non-banking financial company (NBFC), or direct credit issuer.
2. Algorithmic Mathematical Models
All fee projections, Effective Lifetime Cash Value (ELCV) formulas, Forex markups, and GST surcharge audits are calculated based on publicly available Most Important Terms and Conditions (MITC) and cardholder agreements published by issuing banks.
Notice: Banks frequently revise reward multipliers, lounge access rules, and spend caps. While EQUIS maintains automated devaluation tracking, users should verify terms directly with the issuing institution before card application.
3. Affiliate Disclosure & Transparency
Where applicable, EQUIS may display official application links provided through regulated affiliate networks. We enforce complete transparency: affiliate relationships never alter the mathematical ranking or yield scoring of any credit card.
4. Limitation of Liability
EQUIS and its contributors shall not be held liable for any direct, indirect, or consequential financial damages resulting from credit card application rejections, score changes, bank fee levies, or bank-side terms devaluations.