# About The Credit Compass

The Credit Compass exists to provide Indian borrowers with transparent, source-linked, and unbiased loan information without advertising noise or affiliate commissions.

## Editorial Policy
1. **Primary Sources Only**: All interest rates, fees, and regulatory criteria are extracted directly from official bank rate cards, RBI circulars, NHB notifications, or IBA guidelines.
2. **Data Recency**: Rate cards are reviewed at minimum quarterly, and verified against primary sources.
3. **No Sponsored Rankings**: Rankings are strictly based on public figures; zero commercial influence.
4. **Labelled Uncertainty**: Where rate ranges exist (e.g., 8.50%–10.25%), conditions (CIBIL score tiers, LTV) are explicitly defined.

## Business Model & Funding
- **Non-Commercial Public Good**: The Credit Compass is operated as an independent financial education and calculation utility for Indian borrowers.
- **Zero Commission Policy**: We earn ₹0 in referral fees, affiliate payouts, or loan origination kickbacks from any bank or NBFC.
- **Zero Lead Selling & No Telecaller Spam**: We never collect borrower phone numbers to sell to third-party Direct Selling Agents (DSAs) or call centers.
- **Zero Sponsored Placements**: Lenders cannot pay for preferred placement, promotional tags, or boosted rankings.

## Independence Declaration
- Zero referral fees from any bank or NBFC.
- Zero loan origination commissions.
- No paid sponsorships or banner advertising.

## Contact Information
- **Support & Feedback Email**: contact@thecreditcompass.in
- **Operating Location**: Bengaluru, Karnataka, India
- **Website**: https://www.thecreditcompass.in