The terms, in plain words.

cardkhata is a credit-card statement analyzer for the Indian market, operated from India by the site owner (developer site: ankitbhardwaj.in). You forward the statement emails your card issuers already send you; cardkhata parses them and shows you your own spending analytics — categorised transactions, EMI schedules, fees, and month-to-month comparisons.

You must be at least 18 years old and capable of entering into a binding contract under Indian law to use cardkhata. By using the service you confirm that you are, and that the statements you forward are your own (or ones you are authorised to share, such as a family member’s with their consent).

• Keep your account credentials to yourself; you are responsible for activity under your account.
• Provide accurate information — the optional profile details exist only to unlock your own statement PDFs.
• Forward only statements you are entitled to. Do not upload someone else’s financial documents without their consent.
• Do not misuse the service: no attempts to break, probe, or overload it, no scraping other users’ data, no reverse engineering, and no use that is unlawful in India.

We may suspend or terminate accounts that break these rules.

cardkhata is a paid, subscription-only service: Monthly at ₹149/month or Annual at ₹1,199/year (prices in INR), billed through a third-party payment gateway (Razorpay and/or Cashfree). The plan and price are shown before you pay, and there are no hidden charges. You can cancel anytime from your Profile page; the full cancellation and refund rules are in our Refund & Cancellation Policy.

cardkhata provides information and analytics about your own statements. It is not financial, investment, tax, or legal advice, and it is not a substitute for the official records your card issuer provides. Figures are parsed from documents and can contain errors — always verify against your issuer’s statement before acting on a number.

You can cancel your subscription yourself from your Profile page at any time — access continues until the paid period ends; there is no separate account deactivation. We may suspend or close accounts for breach of these terms or misuse of the service. Our Privacy Policy describes what happens to your data and how to request deletion.

cardkhata is provided “as is” and “as available”, without warranties of any kind, express or implied — including uninterrupted availability, error-free parsing, or fitness for a particular purpose. We work to keep the service accurate and available, but we do not guarantee it.

To the maximum extent permitted by law, cardkhata and its operator are not liable for any indirect, incidental, or consequential loss arising from your use of the service — including decisions made on the basis of parsed figures. Our total liability for any claim is limited to the subscription fees you paid to cardkhata in the three months before the claim arose. Nothing in these terms limits liability that cannot be limited under Indian law.

We may update these terms as the service evolves. When we do, we will update this page and its “Last updated” date, and give notice in the product for significant changes. Continuing to use cardkhata after a change means you accept the updated terms.

These terms are governed by the laws of India, and courts in India have jurisdiction over any dispute. Questions about these terms: support@cardkhata.in.