Disclosure

Disclosure & Compliance

Last updated: August 8, 2026

Transparency is non-negotiable for us. This page discloses all material relationships, monetization mechanisms, editorial standards, and regulatory considerations that apply to content on policybanaoo.com.

1. Affiliate Disclosure (FTC + ASCI Compliant)

PolicyBanaoo participates in affiliate marketing programs, including (but not limited to):

  • Cuelinks — Indian affiliate network covering banks, insurers, lenders, brokers, and fintechs.
  • Direct affiliate programs with select banks and insurers (added as onboarded).

When you click certain outbound links on this Site and subsequently complete a qualifying action (such as applying for a credit card, opening a bank account, purchasing an insurance policy, or taking a loan), we may earn a commission or referral fee. This is paid by the partner, at no additional cost to you.

Our affiliate relationships are clearly disclosed in two ways:

  • Per-page disclosure: every article or comparison page that contains affiliate links carries a visible “Affiliate Disclosure” notice near the top.
  • This Disclosure page: the canonical, comprehensive statement of our monetization model.

2. Editorial Independence

Affiliate relationships do not influence our editorial opinions, rankings, or recommendations. Specifically:

  • We do not accept payment for positive coverage, favorable placement, or fabricated reviews.
  • We do surface negative attributes (fees, exclusions, eligibility limits, grievances) of products even when we earn from their affiliate links.
  • Ranking criteria are published on relevant comparison pages and applied consistently.
  • When a product cannot be recommended despite paying a commission, we either decline to list it or label it clearly as “Not Recommended” with the reason.

3. No Financial / Insurance / Investment Advice

Content on this Site is strictly informational and educational. It does not constitute:

  • Financial advice (we are not SEBI-registered investment advisors).
  • Insurance advice (we are not IRDAI-licensed brokers or intermediaries).
  • Credit counseling (we are not RBI-registered credit advisors).
  • Tax or legal advice (we are not Chartered Accountants or lawyers).

Always verify product details, eligibility, fees, and coverage directly with the issuing bank, insurer, or lender before making a decision. Final terms are governed by the issuer’s policy document, not by our content.

4. No Guaranteed Returns

BFSI products carry risk. We do not guarantee:

  • Approval of any credit card, loan, or account application.
  • Specific reward rates, cashback amounts, or returns.
  • Insurance claim outcomes.
  • Future interest rates or product terms.

Any “earnings,” “savings,” or “rewards” figures cited on the Site are illustrative based on publicly disclosed product terms and assumed usage patterns. Your actual results will vary based on eligibility, usage, fees, and changing product terms.

5. Information Accuracy & Updates

We make reasonable efforts to keep content accurate and current. Sources include:

  • Official issuer websites (banks, insurers, lenders).
  • RBI, IRDAI, and SEBI public disclosures.
  • SEBI-registered rating agencies (where applicable).
  • Issuer policy documents and customer agreements.

Each article carries a published or reviewed date. Product details may change without notice — always confirm with the issuer. If you spot an error, please report it; we correct verified errors promptly and note the correction at the bottom of the page.

6. Indian Regulatory Compliance

Our content aligns with the following Indian regulations and codes:

  • RBI Master Directions on Fair Practices Code — for bank, credit card, and loan disclosures.
  • IRDAI Advertising and Disclosure Norms — for insurance product references; we do not publish misleading claims and avoid guaranteed-return language for insurance products.
  • SEBI Advertising Guidelines — for investment-linked products.
  • ASCI (Advertising Standards Council of India) Code — for truthfulness and fairness in advertising.
  • FTC Endorsement Guides (16 CFR Part 255) — for affiliate disclosure standards, applied globally for clarity.

7. IRDAI-Specific Note (Insurance Content)

Where we discuss specific insurance products:

  • The insurer’s name and IRDAI registration are cited.
  • Premium, sum insured, and exclusions are quoted from official policy documents.
  • We do not use the words “guaranteed return,” “assured maturity,” or similar phrases for unit-linked or market-linked insurance products.
  • We do not display IRDAI logo in a way that implies we are an IRDAI-registered intermediary.

8. Advertising & Sponsored Content

If we ever publish sponsored or paid content, it will be:

  • Clearly labeled as “Sponsored” or “Paid Partnership” at the top.
  • Identified distinctly from editorial content.
  • Subject to our same accuracy standards, regardless of compensation.

As of this date, we have no sponsored content. All affiliate links are performance-based and do not constitute sponsorship.

9. Conflict of Interest Policy

The Site is operated by PolicyBanaoo, a product of Mobtions. We are not owned by, affiliated with, or sponsored by any bank, insurer, NBFC, or lender whose products we review. If any such relationship exists in the future, it will be disclosed on the relevant page and on this Disclosure page.

10. Contact About Compliance

To report a compliance concern, an inaccuracy, or a potential conflict of interest, contact us at tools@mobtions.com. Compliance queries receive priority review.