Terms & Conditions

1. Introduction & Acceptance

Welcome to J B COMMUNICATION (operated through www.amozo.in and related digital properties). These Terms and Conditions constitute a legally binding agreement between you ("User", "Visitor") and J B COMMUNICATION ("we", "us", "our").

By accessing our comparison engine, browsing our catalog of financial services, or utilizing our referral portals, you acknowledge that you have read, understood, and agreed to adhere to these terms in their entirety.

2. Nature of Service & Intermediary Status

J B COMMUNICATION acts purely as an independent information aggregator, technology facilitator, and marketing affiliate.

• We do not issue credit cards, sanction loans, underwrite insurance policies, or manufacture retail products.
• All credit card approvals, loan underwriting decisions, interest rate determinations, and insurance coverages are governed exclusively by respective partner banks, NBFCs, and IRDAI-registered insurance providers.
• Submission of an inquiry on our platform does not guarantee credit eligibility or final loan sanction.

3. Information Accuracy & Live Rates

While we strive to maintain current rates, joining fees, reward multipliers, and product specifications, financial institutions and e-commerce partners update their terms, promotions, and lending criteria frequently.

• Interest rates (% p.a.), annual card fees, processing charges, and flash deal prices displayed on our platform are for comparison purposes only.
• The final terms, processing fees, and interest applicable to your application will be those presented on the official partner portal during your final checkout or application submission.

4. Outbound Affiliate Links & Third-Party Services

Our comparison portal provides direct referral links to third-party merchant partners (such as Amazon India) and financial institutions.

Once you click a link and leave our platform, you enter an external site governed by its own independent terms of service and security practices. J B COMMUNICATION is not responsible or liable for any transaction issues, product fulfillment failures, or dispute resolutions arising on third-party websites.

5. Zero Upfront Fee Policy

Access to our website, comparison toolkits, and curated deal feeds is 100% free of charge for all consumers.

J B COMMUNICATION will never request direct cash deposits, card PINs, UPI transfer payments, or service fees for helping you apply for a credit card or loan. If you receive any solicitations claiming to represent J B COMMUNICATION and asking for advance processing fees, report them to our support desk immediately.

6. Intellectual Property & Acceptable Use

All website software, custom layout elements, comparison algorithms, proprietary text, and graphic design assets remain the intellectual property of J B COMMUNICATION.

• Users are prohibited from scraping, reverse-engineering, or mirroring platform data for commercial resale without prior written authorization.
• Third-party trademarks, logos, and brand assets (including bank names and merchant marks) belong to their respective registered owners and are utilized solely for identification and comparison purposes.

7. Limitation of Liability & Governing Law

To the maximum extent permitted under applicable law, J B COMMUNICATION disclaims liability for any indirect, incidental, or consequential damages resulting from loan rejections, bank system downtimes, external merchant shipping delays, or reliance upon platform estimates.

These Terms and Conditions are governed by the laws of India. Any disputes arising in connection with this agreement shall fall under the exclusive jurisdiction of the competent courts in Rajasthan, India.

8. Contact & Legal Inquiries

For any clarifications, legal notices, or queries regarding these Terms and Conditions, please reach out to our official desk: