Terms of service

Effective for orders placed from 26 September 2026.

CreditCart is operated by Shivendra Agarwal, sole proprietor trading as Excel Edge Solutions. GSTIN: 23BDQPA1717A1ZA.

Registered principal place of business: Swadesh Dal Mill Compound, Raishaldar Colony, Chhola Road, Bhopal, Madhya Pradesh 462001, India.

Operational and correspondence address: 66, Shree Golden City, Jatkhedi, Misrod, Bhopal, Madhya Pradesh 462026, India.

The product and research limitations

CreditCart is an independently compiled, AI-assisted research reference based on publicly available internet sources and our interpretation. AI has been used substantially in preparing and organising the material. It can contain errors, omissions, outdated information or incorrect interpretations; it has not been approved or certified by card issuers.

The content is educational information, not personalised financial, investment, legal or tax advice. We do not issue credit cards, process applications or determine eligibility. We do not guarantee approval, rewards, savings, eligibility, access to benefits or any other outcome. Check the current issuer terms and obtain qualified advice where appropriate before acting.

CreditCart has no bank affiliations, sponsorships or referral commissions. Bank, card-network and programme names identify the subjects of research. Their trademarks and any third-party material remain subject to their respective rights; references do not imply endorsement or grant permission to reproduce that material.

Orders and prices

Read the product description, included-card list, edition, files and device requirements before ordering. A directory listing is not the same as detailed research coverage, and coverage can differ by format. Selecting cards compares fixed packs and does not change their contents.

Start is free. Grow includes Start; Elite includes Start and Grow; Private includes Start, Grow and Elite. Team includes Solo; Enterprise includes Solo and Team. Master Bundle contains all seven tiers. Master Console is sold separately.

Prices are in Indian rupees and include applicable taxes. There is no physical shipping charge. Review the final amount before paying. Payments are processed through Razorpay using the methods offered at checkout. Payment providers may require authentication or reject a transaction. CreditCart does not require your banking password, PIN or CVV by email or contact form.

An order confirmation is not by itself a GST tax invoice. Contact customer care with your order number and any business-invoice details needed. Mandatory invoice particulars and applicable tax treatment remain governed by law.

Single-buyer licence

Each pack, including Start, Solo, Team, Enterprise, Master Bundle and Master Console, is licensed to one individual buyer only. The words Team and Enterprise describe research coverage, not multi-user access. A purchase does not provide an organisation-wide or shared licence.

The licensed buyer may download, keep backup copies and print material for their own use. No resale, public posting, redistribution, shared download links, sublicensing or access by other people is permitted. Do not incorporate the supplied compilation into another product or service. This licence covers only rights that CreditCart is entitled to grant; it does not claim ownership of underlying facts or grant rights in third-party works, and does not override uses permitted by applicable law.

Editions, updates and upgrades

You obtain the files and edition expressly described at the time of purchase. We intend to improve our research and may publish revised editions from time to time, but we do not promise a schedule, regular releases, free updates, continuing coverage, upgrade credits or pay-the-difference upgrades. Any future offer will state its own price and terms. Future hosted-platform access, consultancy and concierge services are not included.

Delivery and refunds

The digital delivery policy and refund and cancellation policy form part of these terms.

We do not offer voluntary refunds or cancellations for change of mind, choosing the wrong pack, deciding not to use a download, or expecting features that were not advertised. Review the card list, formats, edition, device requirements and single-buyer licence before purchasing.

This does not exclude refunds or other remedies required by applicable law, including for defective or deficient products, products materially different from their description, or failure to deliver as agreed. It does not prevent you from reporting an unauthorised or duplicate charge. A blanket “no refunds under any circumstances” rule does not apply.

Reasonable limits and retained rights

Research is supplied with the coverage and limitations described for the edition. We do not warrant that every entry is complete, current or error-free. To the extent permitted by applicable law, we exclude liability for indirect or consequential loss arising from reliance on the reference material. This does not exclude or limit liability for fraud, wilful misconduct or any liability, consumer right or remedy that cannot lawfully be excluded or limited. It does not excuse failure to provide the product as advertised.

Third-party services and intellectual property

Shopify hosts the storefront and customer-account services; Razorpay processes payments. Your purchase of a CreditCart product is from the seller named above. Shopify’s merchant agreement is not substituted for your purchase terms. When you use a separate Shopify, Shop, Razorpay or issuer service, that provider’s applicable terms and privacy notice also govern that service.

Do not infer that cited material is licensed for resale merely because it is available online. For a copyright or trademark concern, contact customer care identifying the material, its location, the rights claimed and your contact details so that we can investigate. A rights notice is not a waiver of anybody’s intellectual-property rights.

Privacy and changes

See our privacy policy for storefront, payment and download-related data processing. Updated terms apply prospectively; they do not remove rights attached to an earlier order. Indian law applies, subject to mandatory protections and forums available under applicable law.

Complaints and grievance contact

Grievance Officer: Shivendra Agarwal, Proprietor. Email and phone: exceledgesolutions@gmail.com or +91 9301746230. Correspondence: 66, Shree Golden City, Jatkhedi, Misrod, Bhopal, Madhya Pradesh 462026, India. Please identify your order, the issue and the resolution requested. Do not include passwords, PINs, CVVs or full card numbers.

We acknowledge consumer complaints within 48 hours and address them within one month of receipt. We provide a complaint reference for follow-up. These timelines do not shorten any rights or remedies available under applicable law.