Terms of Use

Terms of Use

Last updated: August 8, 2026

Welcome to policybanaoo.com (the “Site”), operated by PolicyBanaoo (“we”, “us”, “our”). By accessing or using the Site, you agree to be bound by these Terms of Use (“Terms”). If you do not agree, do not use the Site.

1. Eligibility

The Site is intended for users aged 18 and above. BFSI products (credit cards, loans, insurance, bank accounts) discussed on the Site are regulated products available only to adult residents of India. By using the Site, you represent that you meet this age requirement.

2. Informational Purpose Only — No Financial Advice

The content on this Site — including articles, comparisons, tables, ratings, and recommendations — is provided strictly for general informational and educational purposes. It is not financial advice, investment advice, insurance advice, tax advice, or legal advice. We are not a licensed financial advisor, insurance broker, or credit counselor.

Always verify details directly with the issuing bank, insurer, or lender before making any financial decision. Product terms (interest rates, fees, rewards, eligibility, coverage) change frequently. We make reasonable efforts to keep information current but cannot guarantee accuracy or completeness.

3. Regulatory References

The Site references products regulated by:

  • Reserve Bank of India (RBI) — banks, credit cards, loans, deposits.
  • Insurance Regulatory and Development Authority of India (IRDAI) — life, health, and general insurance.
  • Securities and Exchange Board of India (SEBI) — where investment-linked products are discussed.

Quotes, features, and benefits attributed to specific products are sourced from issuer websites and public disclosures. Final terms are governed by the issuer’s policy document and applicable regulations.

4. Affiliate Disclosure

The Site participates in affiliate marketing programs, including (but not limited to) Cuelinks. Some outbound links on the Site are affiliate links: if you click them and subsequently purchase or apply for a product, we may earn a commission, at no extra cost to you. This is disclosed clearly on every page where affiliate links appear, including our dedicated Disclosure page.

Affiliate relationships do not influence our editorial opinions. We do not accept payment for positive coverage, and we surface negative attributes of products even when we earn from their affiliate links.

5. Intellectual Property

All content on the Site — including text, graphics, logos, images, comparisons, and compiled data — is the property of PolicyBanaoo or its licensors and is protected by Indian and international copyright law.

You may:

  • Read, view, and share links to our content for personal, non-commercial use.
  • Quote brief excerpts (up to 75 words) with clear attribution and a dofollow link back to the original article.

You may not:

  • Republish full articles or comparisons wholesale.
  • Scrape, mirror, or systematically download Site content.
  • Use our content to train AI/ML models without prior written permission.
  • Imply endorsement by PolicyBanaoo of any product, service, or third party.

6. User Conduct

You agree not to:

  • Use the Site for any unlawful purpose.
  • Attempt to gain unauthorized access to the Site, its servers, or related systems.
  • Submit false, misleading, or fraudulent information via newsletter signups or contact forms.
  • Scrape content at automated rates or bypass technical safeguards.
  • Interfere with other users’ enjoyment of the Site.

7. Third-Party Links

The Site links to external websites (banks, insurers, lenders, regulators, news). We are not responsible for the content, policies, or practices of these third-party sites. Review their terms and privacy policies before engaging.

8. Disclaimer of Warranties

The Site is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy.

We do not warrant that:

  • The Site will be uninterrupted, secure, or error-free.
  • Information presented is current, complete, or accurate at the time you read it.
  • Defects will be corrected.
  • The Site or its servers are free of viruses or harmful components.

9. Limitation of Liability

To the maximum extent permitted by Indian law, PolicyBanaoo, its owners, authors, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, lost data, or financial loss arising from your use of (or inability to use) the Site or reliance on its content.

Where liability cannot be excluded, it is limited to the amount you have paid (if any) to access the Site, which is zero for free content.

10. Indemnification

You agree to indemnify and hold PolicyBanaoo harmless from any claims, damages, or expenses arising from your breach of these Terms or your misuse of the Site.

11. Modifications

We may update these Terms at any time. The “Last updated” date will reflect the change. Continued use after a change constitutes acceptance of the revised Terms.

12. Governing Law & Jurisdiction

These Terms are governed by the laws of the Republic of India. Any disputes are subject to the exclusive jurisdiction of the competent courts in Bengaluru, Karnataka, India.

13. Contact

Questions about these Terms? Contact us at tools@mobtions.com or via the Contact page.