Terms of Service

Effective Date: October 20, 2026

1. Acceptance of Terms

By accessing or using Referko.in ("the Website"), you agree to comply with and be bound by these Terms of Service. If you disagree with any part of these terms, please refrain from using the Website.

2. Nature of Service

Referko.in serves strictly as an informational and editorial directory for promotional referral codes, discounts, and introductory offers. Referko.in is not a broker, banking institution, e-commerce vendor, or payment processor.

3. Accuracy of Offers & Brand Responsibility

While we strive for 100% accuracy through human verification, promotional terms, discount percentages, and reward validity are set unilaterally by the respective third-party merchants and brands. Brands may alter, restrict, or terminate promotions without notice. Users are responsible for confirming terms on the destination site prior to making financial commitments or account registrations.

4. Intellectual Property

All brand names, trade names, service marks, and logos displayed on Referko.in are the intellectual property of their respective trademark holders. Their mention on this Website is strictly for identification and editorial commentary purposes.

5. Limitation of Liability

To the fullest extent permitted by law, Referko.in and its operators disclaim all liability for any direct, indirect, incidental, or consequential damages resulting from the use or inability to use any referral code, link, or promotion published herein.

6. Governing Law

These terms shall be governed by and construed in accordance with the laws of the Republic of India.