Last Updated: April 15, 2026
Welcome to ExplainCharges.com (the “Site”).
These Terms and Conditions (“Terms”) govern your access to and use of the Site and any content, features, or services we provide. Please read these Terms carefully before using the Site.
By accessing or using the Site in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree to these Terms, you must not access or use the Site.
About ExplainCharges.com
ExplainCharges.com is an independent, free informational platform designed to help users understand various charges that may appear on bank and credit card statements. We provide explanations, guides, and a searchable database of common billing descriptors for educational and informational purposes only.
We are publishers only. We are not a bank, financial institution, payment processor, merchant, or customer service provider. We have no affiliation with, and do not represent, any bank, merchant, or service provider mentioned on the Site.
Eligibility
You must be at least 18 years old or the legal age of majority in your jurisdiction to use the Site. By using the Site, you represent and warrant that you meet this eligibility requirement.
Use of the Site
You may use the Site only for lawful, personal, non-commercial purposes. You are granted a limited, non-exclusive, non-transferable, revocable license to access and view the content solely for your own informational use.
User Conduct and Prohibited Activities
You agree not to:
- Use the Site in any way that violates any applicable law or regulation
- Copy, reproduce, modify, distribute, display, or create derivative works of any content without our prior written permission
- Scrape, crawl, or use any automated means to access or collect data from the Site
- Transmit any viruses, malware, or other harmful code
- Interfere with the proper functioning of the Site or impose an unreasonable burden on our infrastructure
- Impersonate any person or entity or misrepresent your affiliation with any person or entity
- Attempt to gain unauthorized access to any portion of the Site
We reserve the right to terminate or restrict your access to the Site at any time, without notice, for any reason, including violation of these Terms.
Intellectual Property Rights
All content on the Site—including text, explanations, guides, databases, logos, graphics, and design—is owned by ExplainCharges.com or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or commercially exploit any content without our express written consent.
“ExplainCharges.com” and our logo are trademarks of the Site’s operators. All other trademarks, service marks, and names mentioned on the Site belong to their respective owners.
Third-Party Links and References
The Site may contain links to external websites or references to third-party services (banks, merchants, etc.). These links are provided for convenience only. We do not endorse, control, or take responsibility for the content, accuracy, or practices of any third-party websites. Your use of such links is entirely at your own risk.
Privacy Policy
Your privacy is important to us. Please review our Privacy Policy (linked in the footer of the Site) to understand how we collect, use, and protect your information. The Privacy Policy forms part of these Terms.
Disclaimers and No Professional Advice
The content on this Site is provided “as is” and “as available” without any warranties, express or implied. While we strive for accuracy, we do not guarantee that all information is complete, current, or error-free.
Nothing on ExplainCharges.com constitutes financial, legal, accounting, tax, or any other professional advice. For any financial or transaction-related matters, you must contact your bank or the relevant service provider directly.
Please refer to our separate Disclaimer page for full details on limitations of our content and liability.
Limitation of Liability
To the fullest extent permitted by law, ExplainCharges.com, its owners, operators, employees, contractors, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of (or inability to use) the Site, even if we have been advised of the possibility of such damages.
Our total liability, if any, shall not exceed INR 1,000 (one thousand Indian Rupees).
Indemnification
You agree to indemnify, defend, and hold harmless ExplainCharges.com and its operators from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to:
- Your use of the Site
- Your violation of these Terms
- Any content you post or submit (if applicable)
Termination
We may terminate or suspend your access to the Site at any time, with or without cause or notice. Upon termination, all licenses granted to you under these Terms will immediately cease.
Changes to These Terms
We reserve the right to modify or update these Terms at any time. The “Last Updated” date at the top of this page will be revised accordingly. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.
Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles. Any dispute arising from or relating to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts located in Muzaffarnagar, Uttar Pradesh.
Miscellaneous
- These Terms, together with the Disclaimer and Privacy Policy, constitute the entire agreement between you and ExplainCharges.com.
- If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall remain in full force.
- Our failure to enforce any right or provision does not constitute a waiver.
Contact
For any questions about these Terms, please contact us only for technical issues via the email address listed on our Contact Us page. We cannot respond to financial, billing, or transaction-related inquiries.
Thank you for visiting ExplainCharges.com.
By using our Site, you help us maintain a clear and helpful resource for understanding charges on your statements.