Terms and Conditions

Last Updated: February 14, 2025

Welcome to Let’s Make Asset!
By accessing or using https://letsmakeasset.com (the “Website”), you agree to comply with and be bound by these Terms and Conditions (“Terms”). These Terms govern your use of our blog, content, and services related to credit cards, loans, personal finance, and related topics. If you disagree with any part of these Terms, you must discontinue use of the Website immediately.

1. Interpretation and Definitions

1.1 Interpretation

  • Terms capitalized herein have meanings defined under these conditions. Definitions apply whether terms appear in singular or plural.

1.2 Definitions

  • “Affiliate”: An entity controlling, controlled by, or under common control with the Company (where “control” means ownership of ≥50% shares, equity, or voting rights).
  • “Company” (“We,” “Us,” “Our”): Refers to Let’s Make Asset, the operator of the Website.
  • “Content”: Articles, guides, graphics, videos, tools, calculators, and all material published on the Website.
  • “Device”: Any tool (e.g., computer, smartphone, tablet) used to access the Website.
  • “Service”: The Website and its functionalities, including user interactions, newsletters, and comment sections.
  • “User” (“You”): Any individual, business, or entity accessing or using the Service.
  • “Third-Party Services”: External platforms (e.g., social media, affiliate partners, advertisers) linked to or integrated with the Website.
  • “Country”: Madhya Pradesh, India (jurisdiction for legal compliance).

2. Acceptance of Terms

By using the Website, you:

  • Confirm you are ≥18 years old. Minors are prohibited from using the Service.
  • Agree to these Terms and our Privacy Policy, which governs data collection and usage.
  • Acknowledge that violating these Terms may result in termination of access.

3. User Responsibilities

3.1 Permitted Use

  • Use the Website for lawful, non-commercial purposes only (e.g., personal education on credit card offers, loan comparisons, or financial literacy).
  • Engage respectfully in comments, forums, or community interactions.

3.2 Prohibited Activities

You agree not to:

  • Post false, misleading, or defamatory content.
  • Use automated tools (e.g., bots, scrapers) to extract data without permission.
  • Spam, phish, or distribute malware.
  • Infringe intellectual property rights (e.g., republish Content without attribution).
  • Engage in fraudulent activities (e.g., impersonation, identity theft).

3.3 User-Generated Content

  • By submitting comments, reviews, or feedback, you grant Us a non-exclusive, royalty-free license to use, modify, or display such content on the Website.
  • We reserve the right to remove content that violates these Terms or is deemed harmful.

4. Intellectual Property Rights

4.1 Ownership

  • All Content (text, logos, graphics, videos) is owned by Let’s Make Asset or licensed to Us, unless stated otherwise.
  • Third-party trademarks (e.g., credit card company logos) remain the property of their respective owners.

4.2 Permitted Sharing

  • You may share Content for non-commercial purposes, provided you:
    • Credit Let’s Make Asset with a clear, active link to the original article.
    • Do not alter the Content or imply endorsement by Us.
  • Commercial use (e.g., republishing in paid newsletters) requires prior written consent.

5. Financial and Legal Disclaimers

5.1 Not Professional Advice

  • The Website provides general information only. Content related to credit cards, loans, interest rates, or financial strategies is for educational purposes and does not constitute:
    • Personalized financial, legal, or tax advice.
    • Recommendations to buy/sell financial products.
  • Always consult licensed professionals (e.g., certified financial planners, attorneys) before making decisions.

5.2 Accuracy and Updates

  • Financial regulations, credit card terms, and loan offers change frequently. While We strive for accuracy, We do not guarantee that all Content is current, complete, or error-free.
  • Verify rates, fees, and terms directly with financial institutions before applying for products.

5.3 Affiliate Partnerships

  • We participate in affiliate programs (e.g., credit card companies, loan providers). This means:
    • We may earn commissions if you click on links and apply for products.
    • Affiliate relationships do not influence Our editorial content. We prioritize unbiased, factual analysis.
  • Read Our full Affiliate Disclosure for details.

5.4 Third-Party Services

  • Links to external sites (e.g., banks, comparison tools) are provided for convenience. We:
    • Do not endorse or control third-party content, privacy policies, or practices.
    • Are not liable for losses arising from your use of external sites.

6. Limitation of Liability

  • No Guarantees: The Service is provided “AS IS.” We disclaim all warranties (express or implied), including fitness for a particular purpose, non-infringement, or uninterrupted access.
  • Damages: To the fullest extent permitted by law, We are not liable for:
    • Financial losses from using Content (e.g., debt, poor credit decisions).
    • Errors, viruses, or system failures caused by Third-Party Services.
    • Indirect, incidental, or punitive damages (e.g., lost profits, data breaches).

7. Termination

  • We may suspend or terminate access without notice for violations of these Terms, including:
    • Fraudulent activity.
    • Harassment of other users.
    • Unauthorized commercial use.
  • Upon termination, you must cease all use of the Website and destroy downloaded Content.

8. Governing Law and Dispute Resolution

  • Jurisdiction: Disputes will be governed by the laws of Madhya Pradesh, India.
  • Resolution Process:
    1. Informal Negotiation: Contact Us at [email protected] to resolve issues within 30 days.
    2. Mediation/Arbitration: If unresolved, disputes will proceed to mediation in [City], Madhya Pradesh, in accordance with the Arbitration and Conciliation Act, 1996.

9. Updates to Terms

  • We reserve the right to modify these Terms at any time. Material changes (e.g., new disclaimers, fee structures) will be communicated via email or a Website notice 30 days prior to implementation.
  • Continued use after updates constitutes acceptance of revised Terms.

10. Contact Us

For questions or disputes: