1 Overview & Purpose

Includia Trust (referred to as “we”, “our”, or “us”) gratefully accepts charitable donations to support our programs focused on inclusive education, community engagement, and social equity. This comprehensive policy explains how donations are accepted and processed via payment gateways, what donors can expect in terms of receipts and tax information, and how we protect donor information and funds.

💝 Our Commitment to Donors

We are committed to making the donation process simple, secure, and transparent. Every rupee donated directly supports our mission to transform education and empower marginalized communities across India.

2 Accepted Payment Methods

We aim to make donating simple and secure. Our organization accepts donations through multiple payment channels to accommodate all donors.

💳 Credit & Debit Cards

Visa, MasterCard, Maestro, and American Express (where applicable) for both Indian and international donors

🏦 Netbanking / IMPS

Direct bank transfers through all major Indian banks for quick and convenient donations

📱 UPI Payments

QR Code or UPI handle for donors in India seeking immediate mobile payment solutions

💰 Digital Wallets

Mobile payment apps and digital wallets supported by our payment gateway partners

🏧 Bank Transfer

NEFT / RTGS for high-value donations or institutional donors (details on request)

✉️ Offline Options

Cheques and offline transfers (feasibility varies) — contact us for instructions

Important Note: Available payment methods may vary depending on your country and the donation platform we use. If you require an offline transfer or institutional invoice, please contact us at info@includiatrust.com.

🌐 Multiple Payment Options

We support diverse payment methods because we believe accessibility matters. Choose the method that works best for you.

3 Payment Processing & Gateway Security

Your security is our top priority. Donations are processed by reputable third-party payment providers who meet the highest industry standards. Here’s how we ensure your information stays safe:

🔐 Security Measures in Place

🔒 Encrypted Connections: All online transactions occur over encrypted connections using TLS/HTTPS protocols, ensuring data confidentiality
✅ PCI-DSS Compliance: We use only PCI-DSS compliant payment gateways for card processing. Card data is handled exclusively by the gateway and is never stored on our servers
🚫 Never Request Full Details: We never ask for full card numbers or CVV over email or phone. If you are asked for card details offline, contact us immediately
📧 Dual Confirmation: You receive transaction confirmations from the payment provider AND from us, including official receipts and tax information
🏧 Bank Transfer Option: If you prefer bank transfer or cheque payments, we provide complete instructions and banking details

All transactions are monitored for fraud and processed through industry-leading secure gateways. Your financial information is protected at every stage.

4 Recurring Donations (Subscriptions)

Many donors choose to support our work through recurring monthly, quarterly, or yearly donations. Here’s how this works:

✅ How to Set Up

Choose recurring donation at checkout. We clearly display the amount, frequency, and start date before you confirm

🔄 Continuous Processing

Payments are processed automatically via our payment gateway until you cancel

❌ Easy Cancellation

Cancel anytime through your donor account, payment provider, or by emailing us

⏱️ Processing Timeline

Cancellation requests are processed within a reasonable timeframe. Prior scheduled payments may not be refundable

💝 The Power of Recurring Gifts

Recurring donations help us plan and budget effectively for our educational programs and community initiatives. Your consistent support creates lasting impact and demonstrates true partnership with our mission.

5 Currency, Conversion & Transaction Fees

We operate primarily in Indian Rupees (INR), but we welcome donations in other currencies as well.

  • Default Currency: Donations are accepted in Indian Rupees (INR) by default
  • International Currency Conversion: If you donate in another currency, your bank or payment provider may perform conversion; any conversion fees are charged by your provider separately
  • Gateway Processing Fees: Payment gateways may deduct processing fees from the transacted amount. We clearly indicate whether the displayed amount is gross (what you pay) or net (what we receive)
  • Fee Coverage Option: Where possible, you may choose to cover transaction fees, ensuring the full intended amount directly supports our work
  • Transparency: All fees are disclosed upfront before you complete your donation

    • 💡 Example Calculation

    If you donate ₹1,000: Payment gateway deducts ₹30 (3%) as processing fee. We receive ₹970 for our programs. You have the option to donate ₹1,031 instead to ensure we receive the full ₹1,000.

    6 Refunds & Cancellations

    Donations to Includia Trust are generally non-refundable because they are used immediately to fund programs. However, we recognize exceptional circumstances and have outlined our refund approach below:

    Situation Our Approach Timeline
    Recurring Donation Cancellation We stop future charges but typically cannot refund already-processed payments Processed within reasonable timeframe
    Duplicate/Accidental Transaction Contact us within 14 days. We review and issue refund or reallocate amount 7–21 business days after approval
    Gateway Error / Failed Processing We work with gateway to resolve and may issue refund Varies by bank/gateway
    Chargeback Dispute We investigate. If chargeback not upheld, we request fund recovery As per card issuer timeline

    Important: All refund decisions are at our discretion and may require verification. Please allow 7–21 business days for refunds to appear in your account depending on your bank/gateway.

    📞 Accidental Donation?

    If you unintentionally donate more than intended, contact us within 14 days at info@includiatrust.com. We will review your case and issue a refund or reallocate the funds if appropriate.

    7 Receipts, Acknowledgements & Tax Information

    We provide electronic receipts for all donations to ensure transparency and for your records.

    ⚡
    Instant Confirmation
    From Payment Provider
    📧
    Official Receipt
    Within 5 Business Days
    📋
    Complete Details
    Name, Amount, Date, Reference
    🧾
    Tax Information
    Included in Receipt
  • Immediate Confirmation: After a successful transaction, you receive an automated confirmation from the payment provider
  • Official Receipt: We email an official acknowledgement/receipt within 5 business days to your provided email address
  • Receipt Contents: Donor name (if provided), donation amount, donation date, and transaction reference number
  • Tax Information: Receipts include tax-relevant information for your records and potential deductions
  • Duplicate Receipts: Contact us if you need a duplicate receipt for your records
    • 8 Data Security & Privacy

    We respect your privacy and protect your information with the highest standards.

    🔐 How We Protect Your Data

    Minimal Data Collection: We collect only the minimum data necessary to process donations: name, email, billing details, and payment token
    Sensitive Payment Data: Full card numbers and CVV are handled exclusively by the payment gateway — we never store this data
    Data Protection Compliance: We comply with applicable data protection obligations and store donor information securely
    Access Restrictions: Access to donor data is limited to authorized personnel only
    Communication Usage: We use donor information to send confirmations, yearly summaries, and stewardship updates
    Opt-Out Rights: You can opt out of marketing communications at any time by replying to emails or contacting us

    📞 Your Privacy Rights

    We retain donation records for accounting, audit, and legal compliance. For our full privacy practices and specific retention periods, refer to our Privacy Policy or email info@includiatrust.com.

    9 Fraud Prevention & Dispute Resolution

    We take fraud and misuse seriously. We have robust procedures to investigate and resolve any suspicious transactions.

  • Transaction Monitoring: All transactions are monitored for suspicious activity and potential fraud indicators
  • Dispute Investigation: If a transaction is disputed, our team investigates and responds to the payment provider with supporting documentation
  • Account Protection: We may suspend or block accounts or donations suspected of fraudulent activity
  • Law Enforcement Cooperation: We cooperate with law enforcement where required and legally appropriate
  • Chargeback Handling: If a donor initiates a chargeback via their card issuer and we don’t agree, we may request fund recovery or decline future donations from that source

    • ⚠️ Report Suspicious Activity

    If you notice unauthorized charges or suspect fraud on your account, contact your bank or card issuer immediately and inform us at info@includiatrust.com.

    📞 Get In Touch

    📧 Primary Email
    info@includiatrust.com
    ⏱️ Typical Response Time
    2–5 business days
    🏢 Mailing Address
    Includia Trust
    Contact: info@includiatrust.com
    ⚠️ Urgent Payment Disputes
    Also contact your bank or card issuer directly. Keep your transaction reference number from your receipt handy.
    11 Frequently Asked Questions

    ❓ Are donations refundable?

    Donations are generally non-refundable as they are used immediately to support programs. However, in cases of duplicate charges, gateway errors, or accidental transactions, we may issue refunds. Contact us within 14 days of the transaction.

    ❓ How long does it take to receive a receipt?

    You receive an immediate confirmation from the payment provider. Our official receipt is sent to your email within 5 business days.

    ❓ Can I donate anonymously?

    We prefer to acknowledge all donors, but you can contact us at info@includiatrust.com to discuss anonymous donation options.

    ❓ Can I specify which program my donation supports?

    Yes! During checkout, you can often designate which program you’d like to support. If not, please email us after donating, and we’ll ensure your donation is allocated as requested.

    ❓ Is my donation tax-deductible?

    Tax deductibility depends on your country and local regulations. Please consult with a tax professional. Our receipts include information to assist with your tax documentation.

    ❓ What payment methods do you accept?

    We accept credit/debit cards, net banking, UPI, digital wallets, and bank transfers. Visit our donation page or contact us for the most current options.

    12 Legal & Final Notes

    This policy is intended to explain our practices and does not create a contractual or legal obligation beyond what is set out in local law. Donations are accepted subject to all applicable laws and regulations.

  • International Donors: If you are donating from outside India, you are responsible for complying with local regulations regarding charitable giving
  • Policy Updates: We reserve the right to amend this policy at any time
  • Material Changes: Significant updates will be posted on this page with an updated effective date
  • Current Information: For the most current policy information, check this page or contact info@includiatrust.com
  • Legal Disclaimer: This policy is for informational purposes and should not be taken as legal or tax advice. Consult a qualified professional for advice tailored to your circumstances

    • ⚖️ Legal Compliance

    We operate in full compliance with Indian laws governing charitable organizations and payment processing. Donors are responsible for ensuring their donations comply with their local regulations.

    Donation & Payment Gateway
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    Support Our Mission

    Your contribution empowers inclusive education and transforms lives across India

    ✅ 100% Secure Transactions
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    💯 Transparent Fund Usage
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    We Accept All Payment Methods
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    💚 Thank You for Your Support 💚

    Your generosity fuels our mission to transform education and empower marginalized communities across India. Every donation, regardless of size, creates meaningful impact and brings us closer to our vision of inclusive, equitable education for all.

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    Education

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    👥

    Community

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    Change

    For questions or to make a donation today, email us at info@includiatrust.com