Terms of Service

1. About the service

creditcardoffers.lk is a website that lists and compares credit and debit card offers, such as discounts and promotions, from banks and merchants in Sri Lanka. You can browse offers, save the cards and banks you use, and receive offers that are relevant to you.

We are an information service. We are not a bank, we do not issue cards, and we do not process payments.

2. Eligibility and your account

You must be at least 18 years old to create an account. By registering you confirm that:

• the information you give us is accurate and kept up to date;
• you will keep your login details and any verification codes secret, and tell us promptly if you suspect misuse;
• you will hold only one account, for yourself.

You are responsible for everything done through your account.

3. Offer information disclaimer

Offers shown on the Service come from banks, merchants and other third parties. Offers may change, be limited, or end without notice, and they may carry conditions that are not shown in full.

We work to keep the information accurate, but we cannot guarantee it is complete, current or error-free. Always confirm the offer, its terms and your eligibility with the bank or merchant before you rely on it or make a purchase.

4. No financial advice

Nothing on the Service is financial, investment, legal or tax advice, and no offer is a recommendation to open, use or keep any card or account. Decide for yourself, and seek professional advice where you need it.

5. Acceptable use

You agree not to:

• scrape, crawl or bulk-copy the Service, or use bots or automated tools to access it, without our written permission;
• create fake or duplicate accounts, or impersonate another person or organisation;
• abuse, overload, probe or interfere with the Service or its security;
• use the AI features to generate unlawful, misleading, infringing or abusive content, or to publish content you have no right to publish;
• use the Service for anything unlawful.

6. AI-generated content

Some features, such as help creating ads or events, use artificial intelligence. AI-generated content can be inaccurate, incomplete or out of date. You must check it before you act on it or publish it, and you remain responsible for anything you publish.

7. Third-party links and brands

The Service links to, and shows the names and logos of, banks, merchants and other third parties. Those names, logos and trademarks belong to their owners and are used only to identify them. Their appearance does not mean they endorse us.

We do not control third-party websites and are not responsible for their content, offers or privacy practices.

8. Free service and paid features

The Service is free to use. We may introduce paid features or plans in future. If we do, we will tell you in advance, and you will not be charged for anything unless you choose it.

9. Limitation of liability and indemnity

The Service is provided “as is” and “as available”. To the fullest extent the law allows, we are not liable for any indirect or consequential loss, or for any loss arising from reliance on offer information, from an offer being withdrawn or changed, or from the Service being unavailable.

Nothing in these Terms limits liability that cannot be limited by law. You agree to compensate us for loss or claims arising from your breach of these Terms or your misuse of the Service.

10. Suspension and termination

We may suspend or close your account, with or without notice, if you breach these Terms, put the Service or other users at risk, or if the law requires us to. You can stop using the Service and delete your account at any time (see the Privacy Policy). Sections that by their nature should continue (for example liability and governing law) survive termination.

11. Changes to these Terms

We may update these Terms. When we make a material change we will update the “Last updated” date and, where appropriate, tell you by email or in the Service. If you keep using the Service after a change takes effect, you accept the updated Terms.

12. Governing law

These Terms are governed by the laws of Sri Lanka. The courts of Colombo have exclusive jurisdiction over any dispute arising from them or from the Service.

13. Contact

• [COMPANY LEGAL NAME]
• [REGISTERED ADDRESS]
• Email: [CONTACT EMAIL]