CardsNeo Credit Cards

Terms of Use

Effective Date: 23/02/2026

These Terms of Use (“Terms”) govern your access to and use of CardsNeo.com (“Website”, “Platform”, “we”, “us”, “our”), operated by Heavy Consultancy Services Pvt Ltd.

By accessing or using this Website, you agree to be legally bound by these Terms. If you do not agree, you must discontinue use immediately.

1. Nature of Services

CardsNeo.com is a credit card discovery and application facilitation platform. Heavy Consultancy Services Pvt Ltd operates as an independent Direct Selling Agency (DSA) for select banks and financial institutions.

We do not issue credit cards. Final approval, eligibility determination, fees, credit limits, and issuance decisions are solely at the discretion of the respective issuing bank.

2. Eligibility

You must be at least 18 years of age and legally competent to enter into binding contracts under applicable Indian law to use this Website.

3. User Responsibilities

  • Provide accurate and complete information.
  • Do not submit false, misleading, or fraudulent details.
  • Use the Website only for lawful purposes.
  • Do not attempt to disrupt or compromise Website security.

4. No Guarantee of Approval

Submission of an application through this Website does not guarantee credit card approval. Approval decisions are made solely by the issuing bank based on their internal policies and eligibility criteria.

5. Intellectual Property

All trademarks, logos, service marks, and brand names displayed on this Website belong to their respective owners. Their use is strictly for identification and informational purposes.

Heavy Consultancy Services Pvt Ltd does not claim ownership of third-party trademarks or banking brand assets.

6. Limitation of Liability

Heavy Consultancy Services Pvt Ltd shall not be liable for:

  • Rejection of credit card applications
  • Changes in bank policies, fees, or benefits
  • Loss arising from reliance on information provided
  • Technical interruptions or Website downtime

Use of this Website is at your own risk.

7. Data Protection

Use of personal information is governed by our Privacy Policy. By using this Website, you consent to data collection and processing as described therein.

8. Third-Party Links

This Website may contain links to third-party websites including banks. We are not responsible for their content, policies, or practices.

9. Indemnification

You agree to indemnify and hold harmless Heavy Consultancy Services Pvt Ltd, its directors, employees, and affiliates from any claims, damages, or liabilities arising from misuse of this Website or violation of these Terms.

10. Modifications to Terms

We reserve the right to modify these Terms at any time. Continued use of the Website constitutes acceptance of updated Terms.

11. Governing Law & Jurisdiction

These Terms shall be governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts located in Bhilai, Chhattisgarh.

12. Grievance Officer

In accordance with applicable Indian laws, the Grievance Officer details are:

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.