1. General Information Disclaimer
All information, tools, calculators (including RealCost Analyzer and Eligibility Pre-Checker), and reviews provided on CardKiBaat are for educational and informational purposes only. While we strive to decode marketing illusions and provide accurate data, credit card fees, reward structures, and terms change frequently. You should always verify the final terms on the official bank's website before applying.
2. Affiliate Monetization Disclosure (FTC Compliance)
To keep CardKiBaat free for users, we utilize affiliate monetization. This means if you click on a link to a credit card application or product and get approved, we may earn a commission from the bank, issuer, or affiliate network at no additional cost to you. However, this compensation does NOT dictate our research, rankings, or reviews. Our primary agenda is truth and transparency. If a card has hidden catches, we will expose them, regardless of our affiliate relationships.
Where affiliate links are present, users should assume we may receive compensation unless explicitly stated otherwise.
3. "No-BS" Guarantee
We do not accept paid placements to artificially inflate a card's rating. Our CardSense AI and RealCost algorithms are built on raw mathematical data, not marketing budgets. The math is unbiased.
4. Limitation of Liability & "At Your Own Risk"
CardKiBaat, its owners, and its authors shall not be held liable for any financial losses, damages, application rejections, or credit score drops resulting from the use of our platform or application for any credit card featured here. Any action you take upon the information on this website is strictly at your own risk. Applying for credit involves hard inquiries which affect your CIBIL score; proceed at your own discretion and consult a certified financial advisor if necessary.
5. Contact
For compliance concerns or content correction requests, contact support@cardkibaat.com.