FINANCIAL RECOMMENDATION DISCLAIMER

Last Updated: [13 Sep. 2026]

DhanChakshu is a product by Just Adbhut.

The information, calculations, comparisons and recommendations provided through DhanChakshu are intended for informational and educational purposes only.

Please read this disclaimer carefully before relying on any information provided by the platform.

1. NOT FINANCIAL ADVICE

DhanChakshu does not provide financial, investment, tax or legal advice.

The recommendations generated by DhanChakshu are analytical estimates based on:

  • Information supplied by the user
  • Card-product information available to DhanChakshu
  • Reward rules
  • Fee structures
  • Reward valuations
  • Spending assumptions
  • Eligibility-related information
  • Other rules used by the DhanChakshu engine

They are intended to help users compare products and make more informed decisions.

2. RECOMMENDATIONS ARE NOT GUARANTEES

A DhanChakshu recommendation does not guarantee:

  • Credit-card approval
  • Eligibility
  • A particular credit limit
  • A particular reward amount
  • A particular cashback amount
  • A particular redemption value
  • Savings
  • Benefits
  • Financial gain

3. CARD ISSUER HAS FINAL AUTHORITY

The relevant bank or card issuer determines:

  • Whether you qualify
  • Whether your application is approved
  • Your credit limit
  • Applicable fees
  • Applicable interest rates
  • Reward eligibility
  • Transaction classification
  • Reward redemption
  • Product terms

Always verify the latest official terms directly with the issuer before applying.

4. ESTIMATED VALUE

Amounts displayed by DhanChakshu are estimates.

Actual value may differ because of:

  • Spending behavior
  • Reward caps
  • Merchant classification
  • Payment channel
  • Exclusions
  • Transaction fees
  • Taxes
  • Redemption method
  • Reward expiry
  • Changes in issuer rules
  • Promotional conditions
  • Changes in product benefits

5. REWARDS ARE NOT FREE MONEY

Users should not spend additional money simply to earn credit-card rewards.

A reward is useful only when the underlying transaction makes financial sense.

DhanChakshu may therefore identify situations where a transaction earns rewards but still has negative net economics because of surcharges, taxes or other costs.

6. CREDIT-CARD DEBT

Credit-card rewards should never be considered a reason to carry debt that you cannot comfortably repay.

Interest and other charges associated with carrying a balance can substantially outweigh rewards.

Users should understand the applicable interest rates, late-payment charges and other costs before using a credit card.

7. FEE WAIVERS AND MILESTONES

Where annual-fee waivers, milestones or spending thresholds are included in an analysis, the resulting value depends on actually meeting the relevant issuer conditions.

DhanChakshu does not guarantee that a user will qualify for or receive a fee waiver, milestone reward or promotional benefit.

8. PERIODIC EXPENSES

For rent, insurance, education and other periodic expenses, annual estimates may be based on the frequency and amount entered by the user.

Actual transaction-level economics may vary depending on:

  • Payment platform
  • Surcharge
  • Tax
  • Card rules
  • Payment timing
  • Reward caps
  • Merchant classification

9. ELIGIBILITY

Eligibility information is provided as an analytical aid.

A DhanChakshu indication that a user may qualify does not guarantee approval by the issuer.

Issuer underwriting and eligibility systems may consider information unavailable to DhanChakshu.

10. AFFILIATE COMPENSATION

DhanChakshu may receive commissions from certain partner or affiliate links.

Affiliate compensation does not form part of the DhanChakshu Score or DhanChakshu Match.

A card is not recommended because it pays DhanChakshu more.

Additional information is available in the Affiliate Disclosure.

11. INFORMATION ACCURACY AND FRESHNESS

We make reasonable efforts to use relevant and reliable card information.

However, financial products change frequently.

Fees, rewards, eligibility criteria, exclusions, benefits and promotional offers can change without notice.

Information shown by DhanChakshu may therefore become outdated.

The issuer's current official documentation should always be treated as authoritative.

12. NO RESPONSIBILITY FOR ISSUER DECISIONS

DhanChakshu and Just Adbhut are not responsible for:

  • Rejected applications
  • Changes in credit limits
  • Changes in issuer terms
  • Reward disputes
  • Incorrect merchant classification
  • Failed transactions
  • Third-party processing issues
  • Changes to promotional offers
  • Changes to card benefits
  • Third-party website behavior

13. PERSONAL RESPONSIBILITY

You are responsible for evaluating whether a financial product is suitable for your individual circumstances.

Before applying for a card, consider factors including:

  • Your ability to repay
  • Annual and other fees
  • Interest rates
  • Your existing debt
  • Your credit profile
  • Your actual spending behavior
  • Reward restrictions
  • Redemption requirements
  • Issuer eligibility criteria

14. NO PROFESSIONAL RELATIONSHIP

Use of DhanChakshu does not create a financial-adviser, investment-adviser, fiduciary, banking, lending, tax-advisory or legal-advisory relationship between you and Just Adbhut.

15. THIRD-PARTY INFORMATION

DhanChakshu may refer users to third-party websites, including card issuers and affiliate partners.

Those third parties operate independently.

You should review their current terms, privacy policies and product disclosures before proceeding.

16. SHORT DISCLAIMER FOR RESULTS

The following short disclaimer may also be displayed alongside recommendation results:

"Results are estimates based on the information you provided and the card terms available to DhanChakshu. They are for comparison and informational purposes only, not financial advice or a guarantee of approval, savings or rewards. Card issuers' current terms always prevail."

17. CONTACT

For questions regarding this disclaimer or DhanChakshu's recommendation methodology:

DhanChakshu

Email:
partners@dhanchakshu.com

18. FINAL REMINDER

Before applying for any credit card:

  1. Check the issuer's latest official terms.
  2. Confirm the applicable fees and charges.
  3. Confirm your eligibility.
  4. Understand reward caps and exclusions.
  5. Consider whether the card fits your actual spending.
  6. Make sure you can repay your credit-card balance responsibly.

DhanChakshu helps you compare.

The final financial decision remains yours.