Nav Chetna shall be under no liability whatsoever in respect of any loss or damage arising directly or indirectly out of the decline of authorization for any Transaction, on Account of the Cardholder having exceeded the preset limit mutually agreed by us with our acquiring bank from time to time.

Once a donation has been made for a particular purpose, no refund can be made of the donation; nor can the end purpose be changed.

Please contact us immediately if there are extenuating circumstances and your case may be reviewed at our discretion.

NAV CHETNA, a society registered under the Societies Registration Act 1860 & H.P. Societies Registration Act. 2006 and under Section 12A of the Income Tax Act, 1961. Donations to Nav Chetna are tax exempted under 80G of the Indian Income Tax Act.

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