Terms of Use

Terms of Use

Effective Date: July 2025

Welcome to Credofly. By accessing or using our website credofly.com and our services (Deck, Spark, Loop, Circle, etc.), you agree to be bound by the following terms and conditions.

1. Content & Information Accuracy

We strive to provide accurate and up-to-date information about credit cards, banks, and offers. However, we do not guarantee the accuracy, completeness, or timeliness of any information on the site.

All credit card details, reward structures, fees, and offers may change without prior notice. Please verify directly with the bank or issuer before making any decision.

2. Affiliate Disclosure

Credofly earns commissions when users apply for certain credit cards via our affiliate links. These links are clearly marked, and we never rank or promote cards purely for commercial benefit.

3. Personal Use Only

All content and tools on Credofly are for your personal, non-commercial use. You may not reproduce, distribute, or exploit any part of this website without permission.

4. Community Guidelines (Circle & Lounge)

If you participate in our Telegram groups, Twitter threads, or community spaces, you agree to:

  • Be respectful to all members
  • Not share misleading, promotional, or harmful content
  • Not impersonate other users or entities

5. Use of Tools & Downloads

Spark templates, guides, and waiver emails are for educational use only. While they are based on real experiences, we do not guarantee any outcome (e.g. card approvals, fee waivers).

6. Limitation of Liability

Credofly is not responsible for any financial loss, card rejection, missed reward, or other issue resulting from actions taken based on our content. Always use your own discretion and consult directly with the issuing bank.

7. Changes to Terms

We may update these Terms of Use from time to time. Your continued use of the site constitutes acceptance of those changes.

8. Contact Us

If you have any questions or concerns regarding these Terms, reach out to us:

Credofly
Helping Indians make smarter credit card decisions 💳

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