Policies: Privacy
Terms & Conditions
Returns and Refunds
Who we are
We are Ex Service Men working towards enhancing the quality of life of ageing veterans. These are paid services at optimally low cost to be delivered through (ESM) Cooperative Societies being established in different States of India and later integrated into a Multi State Cooperative Society for optimizing best practices and standardization across India, and where possible abroad.
Our website address is: https://indianveteranscorp.com
What personal data we collect and why we collect it (View India’s Digital Personal Data Protection Act 2023)
Comments
When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
Your Gravatar is an image that follows you from site to site appearing beside your name when you do things like comment or post on a blog.
An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.
Media
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from such images on the website.
Contact forms
Your submitted data is stored in our database and an email is sent to the submitter and the administrator for that form.
Cookies
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Analytics
Who we share your data with
We do not share your data with any third parties except on need to know basis as per policies determining outsourced support for operations. Similar privacy policies apply to such companies.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where we send your data
Visitor comments may be checked through an automated spam detection service.
Contact information
Veteran Col RN Ghosh (Retd) is currently the Webmaster and may be reached at genieonlinedotin@gmail.com
Company contact details will be made available in the prospectus to be issued prior to Registration for Shares.
How we protect your data
Our site secured Secure Sockets Layer, a computing protocol that ensures the security of data sent via the internet by using encryption and server is protected with WF Firewall..
What data breach procedures we have in place
Sensitive data includes information on financials, health, sexual orientation, genetics, transgender status, caste, political and religious belief. We do not source or store such data. Critical data includes information that the government stipulates from time to time as extraordinarily important, such as military or national security data. We do not collect such data. The third is a general category, which is not defined but contains the remaining data.
Data breaches are protected by server firewalls and Wordfence. However, your passwords are your responsibility and so please take care as these could enable hackers access to your data. It must also be known that even the World’s largest IT companies get hacked, and therefore we do not collect sensitive or critical data unless they are mandated for legal / regulatory purposes.
What third parties we receive data from
As per company operational requirements.
What automated decision making and/or profiling we do with user data
Data collected from our website is used automatically and manually be respective supervisors to deliver enhanced services to achieve customer satisfaction.
Verification tag:
Data Protection Bill requires that all digital companies must identify their users and tag them into three categories to reduce trolling (e.g., an anonymous user or a bot trying to incite violence by posting incendiary comments): Users who have verified their registration and display real names; users who have a verified registration but have kept their names anonymous; and users that have not verified registration. This is a first regulation of its kind in globally and implies that digital companies must put in place procedures for collecting and verifying the real identities of their users. Note that Facebook has more that 100 million fake accounts and faces the dilemma of continuing as is, attempt to verify them, or delete those accounts. The Data Protection Officer of IVC, presently, Col RN Ghosh (Retd) is responsible for such tagging.
Regulatory disclosure requirements
We align with the requirements of Data Protection which entails control the collection, processing, storage, usage, transfer, protection, and disclosure of personal data of Indian residents to comply with the India Digital Personal Data Protection Act (DPDPA) 2023
📜 Terms and Conditions for Members
Karnataka Veterans Cooperative Society Ltd (KVCSL)
Last updated: 05 Sep 25
1.🧍 Membership Eligibility
• Membership is open to Indian defense veterans and their immediate family members, subject to approval by the Board.
• Applicants must submit valid identification, service records, and agree to abide by the Society’s bylaws.
2. 💳 Membership Fees & Annual Subscription
• A one-time membership fee and an annual subscription are payable as per the fee schedule approved by the General Body.
• Fees contribute to internal services such as staffing, office operations, and member coordination.
• Members shall pay actual delivery charges directly to third-party service providers (e.g., courier companies).
3. 📦 Services to Members
• KVCSL provides access to services including home delivery of medicines, cooperative purchasing, and welfare coordination.
• Services are rendered exclusively to members and are governed by mutuality principles unless otherwise stated.
4. 📜 Rights & Responsibilities
• Members have the right to vote, participate in General Body Meetings, and access Society services.
• Members must uphold the cooperative’s values of transparency, ethical conduct, and mutual support.
• Misuse of services, false declarations, or disruptive behavior may result in suspension or termination of membership.
5. 📊 Financial Transparency
• KVCSL maintains audited accounts and publishes annual financial statements.
• Members may request access to financial summaries and service reports during General Body Meetings.
6. 🗳 Governance & Participation
• Members may nominate themselves or others for Board positions subject to eligibility criteria.
• Elections are conducted as per the Karnataka Co-operative Societies Act and KVCSL bylaws.
7. 📋 Data & Privacy
• Member data is collected solely for cooperative operations and service delivery.
• KVCSL adheres to applicable data protection norms and does not share member data with unauthorized entities.
8. ⚖️ Dispute Resolution
• Any disputes arising between members and the Society shall be resolved through internal grievance mechanisms or referred to the Registrar of Cooperative Societies as per statutory provisions.
9. 📌 Amendments
• These Terms and Conditions may be amended by the Board and ratified by the General Body.
• Members will be notified of changes via official communication channels.
Overview
Our refund and returns policy lasts 30 days. If 30 days have passed since your purchase, we can’t offer you a full refund or exchange.
To be eligible for a return, your item must be unused and in the same condition that you received it. It must also be in the original packaging.
Several types of goods are exempt from being returned. Perishable goods such as food, flowers, newspapers or magazines cannot be returned. We also do not accept products that are intimate or sanitary goods, hazardous materials, or flammable liquids or gases.
Additional non-returnable items:
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- Gift cards
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- Downloadable software products
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- Some health and personal care items
To complete your return, we require a receipt or proof of purchase.
Please do not send your purchase back to the manufacturer.
There are certain situations where only partial refunds are granted:
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- Book with obvious signs of use
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- CD, DVD, VHS tape, software, video game, cassette tape, or vinyl record that has been opened.
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- Any item not in its original condition, is damaged or missing parts for reasons not due to our error.
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- Any item that is returned more than 30 days after delivery
Refunds
Once your return is received and inspected, we will send you an email to notify you that we have received your returned item. We will also notify you of the approval or rejection of your refund.
If you are approved, then your refund will be processed, and a credit will automatically be applied to your credit card or original method of payment, within a certain amount of days.
Late or missing refunds
If you haven’t received a refund yet, first check your bank account again.
Then contact your credit card company, it may take some time before your refund is officially posted.
Next contact your bank. There is often some processing time before a refund is posted.
If you’ve done all of this and you still have not received your refund yet, please contact us at {email address}.
Sale items
Only regular priced items may be refunded. Sale items cannot be refunded.
Exchanges
We only replace items if they are defective or damaged. If you need to exchange it for the same item, send us an email at {email address} and send your item to the address indicaed to you by our customer care.
Gifts
If the item was marked as a gift when purchased and shipped directly to you, you’ll receive a gift credit for the value of your return. Once the returned item is received, a gift certificate will be mailed to you.
If the item wasn’t marked as a gift when purchased, or the gift giver had the order shipped to themselves to give to you later, we will send a refund to the gift giver and they will find out about your return.
Shipping returns
To return your product, you should mail your product to the address given to you by our Returns Manager.
You will be responsible for paying for your own shipping costs for returning your item. Shipping costs are non-refundable. If you receive a refund, the cost of return shipping will be deducted from your refund.
Depending on where you live, the time it may take for your exchanged product to reach you may vary.
If you are returning more expensive items, you may consider using a trackable shipping service or purchasing shipping insurance. We don’t guarantee that we will receive your returned item.
Need help?
Contact us at indianveteranscorp@gmail.com for questions related to refunds and returns.
🏛️ Draft: Membership Eligibility Clauses for State Cooperative Society
Applicable to: State Cooperative Society registered under respective Cooperative Societies Act
1. General Eligibility
Any individual seeking membership must:
- Be a citizen of India.
- Be competent to contract under the Indian Contract Act, 1872.
- Be a resident of [State Name], as defined under Section [X] of the State Cooperative Societies Act.
- Subscribe to the objectives and values of the Society.
- Not be a member of another cooperative society of similar nature in the same jurisdiction.
2. Definition of Residency
For the purpose of membership, “resident” shall include:
- Individuals who ordinarily reside in the state, evidenced by voter ID, Aadhaar, or utility bills.
- Individuals who reside in the state for at least 180 days cumulatively in a financial year, due to employment, caregiving, education, or seasonal work.
- Individuals who are domiciled in the state but temporarily posted elsewhere.
3. Seasonal/Transit Residency Clause
To ethically include dual-residency individuals:
- Applicants who reside in the state for 90–180 days per year may be considered for associate membership, subject to:
- Declaration of intent to contribute to the cooperative’s activities.
- Proof of residence in the state (e.g., employer certificate, rental agreement, school enrollment).
- Associate members:
- May access cooperative services.
- May attend general meetings as observers.
- Do not hold voting rights or board candidacy unless upgraded to full membership.
4. Declaration of Primary Membership
- Applicants must declare that they are not full members of another similar cooperative society in a different state.
- Any change in residency status must be reported to the Managing Committee within 30 days.
5. Ethical Safeguards
- The Society shall not discriminate against seasonal workers, caregivers, or dual-residency applicants.
- All member data shall be protected under applicable privacy laws.
- Outreach efforts shall include migrant and semi-permanent populations to ensure inclusive development.
6. Review and Upgrade Mechanism
- Associate members may apply for full membership upon meeting residency criteria.
- Annual review of member status shall be conducted to ensure compliance and fairness.