Terms & Condition

Terms & Conditions*

1. *Acceptance of Terms*
By accessing or using the INSS website or participating in any of its programmes, you agree to these Terms & Conditions and our policies.

2. *Website Use*

* You agree to use the website lawfully and not engage in any behaviour that is illegal, fraudulent, harmful, or that violates the rights of others.
* INSS is not responsible for content on external sites linked from our website.

3. *Donations*

* All donations are voluntary. Once made, donations are non‐refundable except as provided in our Refund Policy.
* INSS reserves the right to refuse or return a donation (or portion thereof) under specific circumstances (e.g. if the donor’s intent cannot be fulfilled, or for legal/regulatory compliance).

4. *Programme Participation*

* Beneficiaries agree to follow guidelines provided by INSS.
* INSS reserves the right to suspend or terminate participation if guidelines are violated, or if safety/risk concerns arise.

5. *Intellectual Property*

* All content on the website (text, images, logos, etc.) is protected by copyright and other intellectual property laws.
* You may not reproduce, distribute, or otherwise use INSS content without prior written permission.

6. *Disclaimer of Liability*

* INSS does its best to provide accurate and current information but makes no guarantees about the website’s content, its completeness, accuracy, or reliability.
* INSS shall not be liable for any loss or damage arising out of the use of the website or participation in programmes, except as required by law.

7. *Modifications*

* INSS may modify these Terms & Conditions from time to time. Changes will be posted on the website; continued use after changes indicates acceptance.

8. *Governing Law & Jurisdiction*

* These Terms & Conditions are governed by the laws of India, and any dispute shall be subject to the courts in the state of West Bengal 

Refund Policy*

1. *Applicability*
This refund policy applies to donations and any fee‐based services or events organized by INSS.

2. *Donations*

 * Generally, all donations are *non‐refundable* once processed.

 * Exception: if INSS is unable to use the donation for the purpose specifically designated by the donor, a refund may be offered or the donation may be reallocated in consultation with the donor.

3. *Fee‐Based Services / Events*

  * If event registrations or service fees are collected, refunds may be allowed under the following conditions:

     a) Cancellation by INSS: Full refund.

     b) Cancellation by participant: Refund less any costs incurred (e.g. administrative costs), if requested before a specified cutoff time ( 7 days before event start).

     c) After cutoff time: No refund (unless in exceptional circumstances, case by case).

4. *How to Request a Refund*

   * Requests must be made in writing (email) to the designated contact (e.g. [inssindia@gmail.com](mailto:inssindia@gmail.com)), including transaction details, date, donor/participant name, and reason.

   * Refunds will be credited within 3-5 working days after verification to the original payment method.

5. *Refusal of Refund*

 * Refund may be refused if the request does not meet policy criteria, the donation has already been utilized, or in case of misuse of purpose etc.

6. *Modifications*

* INSS may modify this refund policy from time to time; updated policy will be posted on website.