Effective Date: 23/02/2026
This Disclaimer governs your use of CardsNeo.com (“Website”, “Platform”), operated by Heavy Consultancy Services Pvt Ltd. By using this Website, you acknowledge and agree to the terms stated below.
CardsNeo.com is operated by Heavy Consultancy Services Pvt Ltd, functioning as an independent Direct Selling Agency (DSA) and distribution partner for select banks and financial institutions.
We are not a bank, non-banking financial company (NBFC), or card issuer. We do not issue credit cards, determine credit limits, approve applications, or set interest rates.
Final approval, eligibility determination, fees, charges, and issuance decisions are solely at the discretion of the respective issuing bank or financial institution.
Submission of an application through this Website does not guarantee approval of any credit card. Approval decisions depend entirely on the issuing bank’s internal policies, credit assessment, and regulatory requirements.
While we strive to ensure that all information provided on this Website is accurate and up to date, banks may change their policies, benefits, eligibility criteria, and fees without prior notice.
Users are advised to verify product details directly with the respective bank before making financial decisions.
All trademarks, logos, brand names, service marks, and product names displayed on this Website are the property of their respective owners.
Their use on this Website is strictly for identification and informational purposes only. Heavy Consultancy Services Pvt Ltd does not claim ownership of any third-party trademarks.
Use of logos does not imply endorsement, sponsorship, or official affiliation unless expressly stated.
Heavy Consultancy Services Pvt Ltd shall not be liable for:
Use of this Website is at your own risk.
This Website may contain links to external websites, including bank websites. We are not responsible for the content, accuracy, or privacy practices of third-party websites.
Information provided on this Website is for general informational purposes only and does not constitute financial, legal, tax, or investment advice.
Users should consult qualified professionals before making financial decisions.
This Disclaimer shall be governed by the laws of India. Any disputes arising shall be subject to the exclusive jurisdiction of courts located in Bhilai, Chhattisgarh.
For any concerns regarding this Disclaimer or Website use, please contact:
Heavy Consultancy Services Pvt Ltd
Grievance Officer: Bholanath Seth
Subash Nagar, Nandani Road, Near Govt School, Bhilai
Pin - 490011
Email: contact@heavygroups.com
Phone: 8818855117
At Heavy Consultancy Services Pvt. Ltd., we do not charge any fees, commissions, or payments from our customers, nor do we collect any charges on behalf of any of our partnered banks or Non-Banking Financial Companies (NBFCs). We provide consultancy services without any direct financial transaction between us and the customer regarding loan processing or approval.
All trademarks, logos, and brand names are the property of their respective owners. Heavy Consultancy Services operates as an independent Direct Selling Agency (DSA) for select banks. Final credit approval and product terms are solely at the discretion of the issuing bank.