Disclosures & Ranking Methodology
Your-Money-Your-Life (YMYL) regulatory and commercial disclosures
1. How Naxelona Earns Revenue
Naxelona is 100% free for consumers. We do not charge subscription fees, hidden application fees, or service surcharges to users.
Naxelona earns revenue via flat referral commissions from partner financial institutions when a user is successfully issued a credit card or disbursed a loan.
2. Unbiased Ranking Guarantee
Partner compensation terms are standardized and flat across product categories. No partner bank or financial institution can pay a premium to alter its position or score on your recommendation dashboard.
Product recommendations and match scores (0–100) are generated purely by algorithm based on:
- Your self-reported or statement-verified monthly spend categories.
- Calculated FOIR capacity and eligibility criteria published by lenders.
- Net annual reward value minus annual fees.
3. Credit Bureau Soft Enquiry Disclosure
Eligibility checks performed on Naxelona utilize a soft bureau enquiry or self-declared profile matching. Soft enquiries do not affect or lower your credit score (CIBIL / Experian / CRIF Highmark / Equifax).
A hard bureau enquiry is conducted only when you explicitly submit a final application to a partner bank on their official application portal.
4. Representative Rate & APR Disclosure
Interest rates, processing fees, Forex markups, and reward structures displayed on Naxelona are derived from official bank schedule disclosures and updated on a regular cadence. The final interest rate, credit limit, or loan sanction is subject to the issuer's sole underwriting judgment upon complete document verification.