Terms of Service

Accurate Information

You agree to provide accurate and complete information during registration.

Account Security

You are responsible for maintaining the confidentiality of your account credentials.

One Account Per Individual

One account per individual; duplicate accounts may be merged or removed.

Consent to Receive Messages

By registering with SwaDharmaSetu, creating a DharmaID, or providing your mobile number, you consent to receive communications from us via SMS (Short Message Service) and RCS (Rich Communication Services) on the mobile number you provide. This includes messages sent by 3ioNetra Faith & Technology Services PVT LTD directly or through authorized messaging and telecom service providers acting on our behalf. Consent to receive promotional messages is not a condition of using the platform.

Types of Messages

We may send the following categories of SMS and RCS messages:

• Transactional / Service messages — one-time passwords (OTPs), account verification, booking and darshan confirmations, donation and payment receipts, tax receipt notifications, and important account or security alerts.
• Promotional messages — information about temple events, festivals, new features, seva offerings, and platform updates, sent only where you have opted in and in accordance with TRAI regulations.

RCS messages may include richer content such as verified sender branding, images, buttons, and interactive elements. Where RCS is not supported by your device or carrier, messages may be delivered as standard SMS.

Message Frequency & Charges

Message frequency varies based on your activity on the platform. Message and data rates may apply as per your mobile carrier's plan. SwaDharmaSetu does not charge you for receiving SMS or RCS messages, but your carrier may. RCS messages require an active data connection.

Opt-Out & Help

You may opt out of promotional messages at any time by replying STOP to any promotional SMS or RCS message, or by updating your communication preferences in your DharmaID account settings, or by emailing [email protected]. For assistance, reply HELP to any message or contact our support team. Please note that even after opting out of promotional messages, you may continue to receive essential transactional and service messages related to your account, bookings, and payments, as these are necessary to provide the service.

Accurate Contact Details & Compliance

You are responsible for providing an accurate mobile number and for notifying us if your number changes or is reassigned. All messaging is carried out in compliance with applicable Indian regulations, including the Telecom Regulatory Authority of India (TRAI) Telecom Commercial Communications Customer Preference Regulations (TCCCPR) and the guidelines governing RCS Business Messaging. Verified sender identity is used to help you confirm that messages genuinely originate from SwaDharmaSetu.

Authorized Representatives

Temple and institutional accounts must be created by authorized representatives. By registering a temple, you confirm you have the authority to act on behalf of that institution.

Misrepresentation

Misrepresentation of institutional affiliation may result in immediate account termination.

Payment Processing

All payments facilitated through the SwaDharmaSetu platform are processed by Razorpay, a PCI-DSS Level 1 certified payment partner. SwaDharmaSetu facilitates the transaction but does not directly handle or store payment card data. All donation amounts are transferred directly to the respective temple's or trust's designated bank account. The following payment methods are supported:

• UPI (Google Pay, PhonePe, Paytm, and other UPI apps)
• Credit and debit cards (Visa, Mastercard, RuPay)
• Net banking (all major Indian banks)
• Mobile wallets (Paytm, PhonePe, and others)

All transactions are processed in Indian Rupees (INR) only. Card transactions are authenticated using 3D Secure (3DS) as mandated by RBI guidelines.

Transaction Terms

Payments are considered final upon successful processing and confirmation. If money is debited from your account but the booking or donation is not confirmed due to a technical error, the amount will be auto-refunded within 5–10 business days.

Transaction limits may apply as per RBI guidelines or payment gateway restrictions. In the event of a duplicate or erroneous transaction, contact our support team immediately at [email protected] for a reversal.

Platform Fees & Service Charges

A convenience or service fee may apply to certain bookings and is clearly displayed before you confirm payment. All applicable fees are shown inclusive of GST where applicable. You will always see the total amount (including any fees) before authorizing a transaction.

Tax Receipts

Tax receipts (80G, 10BD, 10BE) are generated based on information provided by the receiving temple. These are delivered digitally to your registered email address and are accessible from your account dashboard.

Refunds & Cancellations

Refund eligibility depends on the type of transaction — darshan bookings, seva bookings, and donations each have specific refund terms. Refunds are processed back to the original payment method within 5–10 business days of approval.

For complete details on refund eligibility, cancellation windows, timelines, and the dispute resolution process, please refer to our Refund & Cancellation Policy.

Chargebacks & Disputes

We encourage you to contact SwaDharmaSetu support before filing a chargeback with your bank or card issuer. If a chargeback is filed, SwaDharmaSetu reserves the right to provide transaction evidence to the payment provider. Fraudulent chargebacks may result in account suspension.

Our Property

The SwaDharmaSetu name, logo, and platform design are the property of 3ioNetra Faith & Technology Services PVT LTD.

Your Content

User-generated content (such as profile information and preferences) remains your property. You grant us a limited license to use this content solely to provide the platform services.

As-Is Provision

The platform is provided "as is" during the early access and beta period.

Product Illustrations

Product illustrations and mockups on the website represent planned features and may not reflect the final product.

Service Availability

We do not guarantee uninterrupted service or the accuracy of third-party information displayed on the platform.

Indirect Damages

To the maximum extent permitted by law, 3ioNetra Faith & Technology Services PVT LTD shall not be liable for any indirect, incidental, or consequential damages arising from your use of the platform.

Total Liability Cap

Our total liability shall not exceed the amount paid by you, if any, for accessing the platform in the 12 months preceding the claim.