Karnavati Charitable Trust

Donations to KARNAVATI CHARITABLE TRUST are voluntary charitable contributions made to support our mission. By making a donation, you acknowledge: Donations are voluntary gifts given without expectation of goods, services, or benefits (except tax receipts where applicable). Contributions support our charitable mission and may be used for program implementation, operational costs, administration, or as designated. Once processed, donations are generally final and non-refundable. Donations may be designated for specific programs, but the foundation reserves flexibility in allocation based on organizational needs and priorities. Donors do not acquire ownership rights, control over fund usage, or expectation of specific outcomes. Tax deductions are subject to applicable Indian tax laws and donor individual tax circumstances. Donation receipts are provided but do not constitute tax advice. Donors are responsible for understanding tax implications in their jurisdiction. Charitable contributions differ fundamentally from commercial transactions or purchases. We provide impact reports and updates but cannot guarantee specific measurable results from individual donations. Donors trust our organization to use contributions wisely and effectively for charitable purposes.

Despite the general non-refundable nature of charitable donations, KARNAVATI CHARITABLE TRUST may issue refunds in exceptional circumstances: Technical Errors - duplicate charges due to payment gateway errors, processing system malfunctions, or technical glitches; incorrect amount charged due to system errors (e.g., INR 10,000 charged instead of INR 1,000 intended); multiple debits for single donation transaction. Fraud or Unauthorized Transactions - donations made using stolen credit/debit cards or unauthorized payment methods; identity theft or account compromise resulting in unauthorized donations; fraudulent transactions identified by banks or payment processors. Demonstrable Evidence of Error - clear evidence of donor error such as selecting wrong amount or donation frequency (recurring vs. one-time); immediate notification (within 48 hours) of error with supporting documentation; circumstances where donor can demonstrate the donation was made under duress, misrepresentation, or misunderstanding of our organization purpose. Organizational Decision - situations where the foundation is unable to deliver on explicitly promised designated program or purpose; cases where accepting the donation would violate our charitable status, legal requirements, or ethical standards; exceptional humanitarian circumstances (e.g., extreme financial hardship) evaluated on case-by-case basis. Refund eligibility is determined at the sole discretion of GIRIDHARE EDUCATIONAL AND SOCIAL WELFARE FOUNDATION based on review of circumstances, evidence, and timing. Refund requests must be made within 30 days of donation for consideration.

Approved refunds will be processed using the following methods: Credit/Debit Card Refunds - refunded to the original card used for donation; processing time: 10-15 business days for credit to appear in your account; refund appears as credit transaction from KARNAVATI CHARITABLE TRUST; if original card is expired or closed, alternative arrangements will be discussed. Net Banking/UPI Refunds - refunded to originating bank account; processing time: 5-10 business days; ensure your bank account details are current and correct. Bank Transfer Refunds - for large amounts or when original payment method unavailable; you must provide bank account details: account holder name, account number, IFSC code, bank name and branch; processing time: 7-15 business days after receiving complete banking details. Cheque Refunds - available upon request for specific circumstances; cheque issued in donor name and mailed to registered address; processing time: 15-30 business days including postal delivery; cheque validity: 90 days from issue date. Cash Refunds - generally not available except for cash donations made in person; must be collected in person with proper identification. Payment Gateway Processing - refunds through payment gateways (Razorpay, Paytm, etc.) follow gateway policies and timelines; processing fees may be deducted from refund amount as per gateway terms. Delays - banking processes, holidays, technical issues may cause delays beyond our control; contact us if refund not received within specified timeline. International Refunds - additional processing time (20-45 business days) and currency conversion may apply; wire transfer or international payment service fees may be deducted.

Refunded donations have important tax implications: Tax Deduction Certificates - if 80G or other tax deduction certificate was issued for refunded donation, certificate becomes invalid; donors must return original certificate to the foundation or provide written confirmation of destruction; revised documentation reflecting actual donation amount (after refund) will be issued if applicable. Tax Return Corrections - donors who claimed tax deductions for refunded donations are responsible for filing amended tax returns; you must report refunded amount as income or correct donation deduction in relevant tax year; failure to correct tax filings may result in tax penalties, interest, or audit issues from tax authorities. Foundation Responsibilities - we will notify relevant tax authorities of refunded donations as required by law; we maintain records of all refunds for audit and compliance purposes; we will provide documentation to support your tax filing corrections upon request. Timing Considerations - tax implications depend on timing of donation and refund (same tax year vs. different tax years); consult tax professional for guidance on proper treatment of refunded charitable contributions; complex cases involving multi-year donations or recurring contributions may require specialized tax advice. Legal Compliance - Indian Income Tax Act provisions regarding charitable donations and refunds must be followed; both donor and foundation have obligations to ensure tax treatment is properly addressed. No Tax Advice - this information is general guidance only; we do not provide tax advice; each donor tax situation is unique and requires professional evaluation; we recommend consulting qualified chartered accountants or tax advisors regarding implications of donation refunds.

Handling of payment disputes and chargebacks: Chargebacks - a chargeback occurs when donor disputes charge with credit card company or bank rather than contacting us directly; chargebacks harm charitable organizations through lost donations, chargeback fees ($15-$100 per incident), and administrative burden; please contact us first before initiating chargeback - we will work to resolve issues directly. Chargeback Process - if chargeback filed, we receive notification from payment processor; we submit evidence that donation was legitimate, authorized, and processed correctly; final decision made by card issuer or bank, not by our organization. Chargeback Consequences - if chargeback granted, donation amount and chargeback fees are deducted from our accounts; repeated chargebacks may jeopardize our ability to accept credit card donations; donors who file chargebacks may be restricted from future donation processing for risk management. Our Response - we will attempt to contact donor to understand issue and resolve directly; we will provide all documentation showing donation was properly processed; if chargeback due to fraud (stolen card), we will cooperate fully and not contest. Preventing Chargebacks - ensure donations are intentional and authorized before submitting; verify donation amount and organization details before confirming transaction; keep confirmation emails and receipts for your records; contact us immediately if you notice unauthorized charges or errors; review credit card/bank statements regularly to identify issues promptly. Dispute Resolution - we encourage open communication and will work in good faith to resolve all legitimate concerns; most issues can be resolved through direct contact without need for formal disputes; our goal is donor satisfaction while protecting charitable resources from fraud and abuse.

For all refund-related questions, requests, or concerns: GIRIDHARE EDUCATIONAL AND SOCIAL WELFARE FOUNDATION, Director: Raghavendra Hadora, M.Sc (Agri), Ph.D (Hort.), Email: geswfoundation@gmail.com (Primary contact for refund requests), Phone: +91 8951715545 or +91 9449121785 (Office hours: Monday-Saturday, 10:00 AM - 5:00 PM IST), Address: 4th Main 1st Cross Gourishankara Nagara, Ranebennur – 581115, Karnataka, India, Website: geswfoundation.org, CIN: U88900KA2025NPL209313. What to Include - full name and contact information, donation date and amount, transaction ID or receipt number, payment method used, detailed explanation of refund reason, supporting documentation (screenshots, statements, etc.), preferred refund method if approved. Response Timeline - acknowledgment within 48 hours, initial review within 7 business days, final decision within 15 business days (complex cases may take longer). Office Hours - Monday through Saturday, 10:00 AM to 5:00 PM IST; communications received outside business hours will be addressed on next business day. Emergency Contact - for urgent matters involving suspected fraud or unauthorized transactions, call immediately at +91 8951715545. Alternative Contact - if primary email is unavailable, you may mail written request to our registered address with supporting documents. We are committed to responding to all refund inquiries professionally, promptly, and fairly while ensuring responsible stewardship of charitable resources.