Terms of Service
Last updated: 5 October 2026.
These terms cover your use of Credit Beat, operated by Alphonic Network Solutions Pvt Ltd ("we", "us"). By using the Service you agree to them. Contact: [email protected].
What the Service is
Credit Beat gives general information about credit card rewards, points, miles and benefits. It is not financial, tax, legal or investment advice. Card terms, fees, transfer ratios and award prices change often and some answers come from public sources that may be out of date. Check the issuer's or airline's official terms before you act or spend.
Your account and use
Use the Service only for yourself and only with accounts you own. Do not misuse it, probe or overload it, scrape it, or try to access other people's data. We may limit or suspend access to protect the Service or other users.
Connected accounts
Connecting Gmail is optional. It gives us read-only access to find supported rewards emails, as described in our Privacy Policy. You can disconnect at any time. Values imported from email are snapshots and may be wrong or missing, so review them. We do not log in to your bank or airline accounts and ask you not to share passwords, OTPs or card details with the Service.
Third parties
The Service uses third-party providers such as Google, Render and Telegram. Their services have their own terms. Card issuers and airlines are not affiliated with Credit Beat unless we say so.
No warranty
The Service is provided "as is" and "as available", without warranties of accuracy, completeness or uninterrupted availability. To the extent the law allows, we are not liable for indirect or consequential loss, or for loss from decisions you make using the Service. Our total liability for any claim is limited to the amount you paid us for the Service, which is currently zero.
Changes and ending
We may change the Service or these terms. We will update the date above. You can stop using the Service and disconnect your accounts at any time.
Governing law
These terms are governed by the laws of India.