Affiliate Disclaimer

1. Affiliate and Referral Disclosure

ReferBenefits is a participant in various developer, brand, and affiliate referral programs. We list promotional codes and links that, when clicked, redirect you to external merchant websites or mobile app stores.

If you sign up or perform specific transactions (such as completing KYC, depositing funds, or ordering a debit/credit card) after clicking our referral links, we may receive a commission, cash reward, or points bonus from the merchant. This occurs at **no additional cost to you**. These earnings support website operation and maintenance.

2. Independent Review and Content Integrity

All detailed reviews, pros, cons, and steps listed on ReferBenefits are created independently by our editorial team. While we receive commissions, we do not accept sponsorships for positive ratings. If an application has drawbacks (such as high fees, complex KYC, or poor customer service), we list them clearly in our "Cons" sections.

3. No Financial or Investment Advice

The content on ReferBenefits (including blog posts covering credit cards, Demat account sign-ups, and savings applications) is provided for **informational and educational purposes only**.

We do not provide professional financial, investment, legal, or tax advice. Opening credit cards, Demat trading accounts, or digital savings bank accounts involves risk:

• Credit card applications require a hard credit pull, which can temporarily affect your CIBIL score.
• Trading stocks, mutual funds, or derivatives on platforms like Upstox carries high market risk.
• You should consult with a certified financial planner or read the terms of service on the official provider's site before making financial decisions.

4. Accuracy of Promotional Offers

Fintech and consumer brands alter their promotional terms, codes, and welcome bonuses frequently. While we perform daily verification checks, we cannot guarantee the complete accuracy or longevity of every single listing. Please verify that the code has been successfully applied inside the respective merchant app during registration.

5. ASCI Guidelines & Advertising Standards Compliance

ReferBenefits strictly complies with the Code for Self-Regulation in Advertising set forth by the Advertising Standards Council of India (ASCI). All referral bonuses, cashbacks, and sign-up reward claims published on this platform explicitly state merchant qualifying conditions (such as completing Video KYC or making an initial transaction). We do not publish unsubstantiated passive income guarantees or misleading promotional claims.

6. SEBI & RBI Non-Advisory Declaration

ReferBenefits is an independent content and referral aggregator. ReferBenefits is NOT a bank, Non-Banking Financial Company (NBFC), stockbroker, or SEBI-registered Investment Advisor (RIA) or Research Analyst (RA). Listing of digital savings accounts (e.g. Jupiter, Fi, Niyo, AU Bank) or Demat accounts (e.g. Upstox, Zerodha) does not constitute banking or investment solicitation. Account opening approval and reward issuance are governed exclusively by the issuing financial institution's regulatory policies and user eligibility criteria.

7. DPDP Act 2023 & Data Privacy Guarantee

In compliance with the Digital Personal Data Protection (DPDP) Act 2023, ReferBenefits does not collect, store, or process your personal financial data, PAN, Aadhaar, or bank details. All outbound referral links route directly to official Google Play Store, Apple App Store, or merchant bank domains.