Terms of Service.
By utilizing the EQUIS mathematical engine and financial tools, you agree to the computation protocols and limitations of liability outlined below.
Computation Disclaimer
All fee projections, Net Financial Benefit (NFB) 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. While EQUIS maintains automated devaluation tracking, algorithms are predictive. Users must verify absolute terms directly with the issuing institution before formal card application.
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. We do not underwrite loans or approve credit applications.
2. Algorithmic Integrity
Our algorithms are designed for maximal objectivity. We process data inputs strictly via mathematics. We do not manually intervene in rankings to artificially inflate or suppress specific financial instruments.
3. Affiliate 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, Net Financial Benefit (NFB) scoring, or placement of any credit card within our UI. Math dictates the outcome, not commissions.
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, CIBIL score changes, unexpected bank fee levies, or unannounced bank-side terms devaluations.