TERMS OF SERVICE

ABOUT KARCOMPARE

KarCompare is a comparison platform operated by DarkMind OPC Private Limited (hereinafter referred to as "we", "us", "our", or "KarCompare").

Registered Office:
New Delhi, India

Contact:
Email: joinkarcompare@gmail.com

Website: www.karcompare.com

AGREEMENT TO TERMS

By accessing, browsing, or using the KarCompare platform (website, mobile application, or any related services), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.

If you do not agree to these terms, you must immediately discontinue use of our platform.

1.1 Eligibility

By using KarCompare, you confirm that:

• You are at least 18 years of age or the age of majority in your jurisdiction
• You have the legal capacity to enter into binding contracts
• You are not prohibited from using our services under applicable laws
• All information you provide is accurate, current, and complete

1.2 Platform Description

KarCompare is an information and comparison platform that provides side-by-side comparisons of:

• Finance Products: Credit cards, loans (personal, home), investments, mutual funds, savings accounts
• Health Services: Medicine prices, lab tests, hospital services, health insurance, telemedicine
• Travel Services: Flights, hotels, cab services, travel insurance, travel credit card benefits

We are an intermediary platform. We do NOT provide, sell, or directly offer these products/services.

USE OF SERVICE

2.1 Permitted Use

You agree to use KarCompare for lawful purposes only, including:

• Comparing products and services for personal decision-making
• Accessing calculators and informational tools
• Creating an account to save preferences and receive alerts
• Requesting quotes or applications through our partner links
• Using location-based features to find nearby services (with your permission)
• Saving favorite comparisons and setting price alerts

2.2 Prohibited Activities

You shall NOT:

• ❌ Provide false, inaccurate, or misleading information
• ❌ Use the platform for fraudulent, illegal, or unauthorized purposes
• ❌ Attempt to gain unauthorized access to our systems, databases, or servers
• ❌ Scrape, copy, or extract data using automated tools, bots, or scripts
• ❌ Interfere with, disrupt, or damage the platform's functionality
• ❌ Impersonate another person or entity
• ❌ Upload viruses, malware, or harmful code
• ❌ Manipulate or artificially influence comparison rankings
• ❌ Use the platform to spam, harass, or harm others
• ❌ Circumvent security measures or access controls
• ❌ Reverse engineer or decompile any part of our platform
• ❌ Share your account credentials with others

Violation of these prohibitions may result in immediate account termination and legal action.

INFORMATION ACCURACY AND DISCLAIMERS

3.1 Information Sources

KarCompare aggregates information from:

• Third-party service provider APIs
• Publicly available data sources
• Web scraping of publicly accessible information
• Partner-provided data feeds

3.2 Accuracy Disclaimer

IMPORTANT: While we strive to provide accurate, current, and reliable information:

• ⚠️ Product details, pricing, interest rates, fees, and availability are indicative only and subject to change without notice
• ⚠️ Comparison data may not reflect real-time changes
• ⚠️ We do NOT guarantee the accuracy, completeness, or timeliness of any information
• ⚠️ Information may contain errors, omissions, or outdated details
• ⚠️ API failures or technical issues may cause temporary data unavailability

YOU MUST ALWAYS:

• Verify all details directly with the service provider before making decisions
• Read complete terms and conditions on the provider's official website
• Check current pricing, eligibility criteria, and product features
• Confirm availability and applicability to your specific situation

3.3 No Guarantee of Approval

KarCompare displays products and provides comparison tools. However:

• We do NOT guarantee approval for any financial product
• Eligibility calculators provide estimates only
• Final approval is solely at the discretion of the service provider
• We are not responsible if your application is rejected

THIRD-PARTY SERVICES AND RELATIONSHIPS

4.1 Role as Intermediary

KarCompare acts as an intermediary platform connecting users with third-party service providers (banks, insurance companies, hospitals, travel agencies, e-commerce platforms, etc.).

We are NOT:

• A bank, lender, or financial institution
• An insurance provider or agent
• A hospital, clinic, or healthcare provider
• A travel agency or booking platform
• A pharmacy or medicine supplier

4.2 Third-Party Responsibility

Service providers are solely responsible for:

• Quality, accuracy, and legality of their products/services
• Processing applications and transactions
• Customer service and support
• Fulfillment of orders and delivery
• Refunds, cancellations, and dispute resolution
• Compliance with applicable laws and regulations

4.3 No Liability for Third Parties

KarCompare is NOT responsible or liable for:

• ❌ Quality, performance, or safety of third-party products/services
• ❌ Actions, errors, or omissions of service providers
• ❌ Disputes between you and service providers
• ❌ Service provider failures, delays, or non-performance
• ❌ Changes to terms, pricing, or availability by providers
• ❌ Data security practices of third-party websites
• ❌ Content, accuracy, or policies of external websites

Any issues with products or services must be resolved directly with the respective service provider.

AFFILIATE PARTNERSHIPS AND COMMISSIONS

5.1 Affiliate Disclosure

Transparency Notice: KarCompare may earn referral fees, commissions, or other compensation when you:

• Click on "Apply Now", "Get Quote", or similar buttons
• Complete applications or transactions through our partner links
• Purchase products or services via our platform

5.2 Impact on Comparisons

Our Commitment:

• Commission arrangements do NOT influence comparison rankings
• Rankings are based on objective criteria (pricing, features, ratings, user reviews)
• We display both affiliate and non-affiliate options
• Paid placements or sponsored listings (if any) are clearly marked

5.3 Your Understanding

By using KarCompare, you acknowledge:

• You understand our affiliate relationships
• This does not affect the price you pay to service providers
• We may receive different commission rates from different partners
• You are free to visit service providers directly instead of using our links