These Terms & Conditions govern the use of the official website and services provided by Sahakar Bharati Karnataka. By accessing this website, you agree to these terms.

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1. Acceptance of Terms

By visiting our website, registering as a member, or making a payment, you accept these terms in full. If you disagree with any part of these terms, please stop using our website.

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2. Eligibility for Membership

You must:

• Provide accurate personal details.
• Submit genuine payment information.
• Be involved or interested in cooperative movements.

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3. User Responsibilities

• You must not misuse or attempt to hack the website.
• You must not upload false or manipulated payment screenshots.
• You must keep your login credentials confidential.
• You must provide truthful and verifiable information.

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4. Membership Verification

Membership becomes valid only after manual verification by our admin team. We reserve the right to reject any application containing false, incomplete, or suspicious details.

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5. Payment Terms

All membership fees are governed by our Refund & Cancellation Policy. Payments are processed through secure UPI methods.

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6. Website Usage

You agree not to:

• Copy, republish, or sell website content without permission.
• Use automated tools to scrape data.
• Distribute false information regarding Sahakar Bharati.

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7. Intellectual Property

All logos, images, content, and website design are the property of Sahakar Bharati Karnataka. Unauthorized usage is strictly prohibited.

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8. Limitation of Liability

The organization is not responsible for:

• UPI failures beyond our control.
• Incorrect details submitted by users.
• Technical issues caused by network/device problems.

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9. Account Termination

We reserve the right to suspend or delete any user account for:

• Fraudulent documents
• Misuse of platform
• Violation of rules of Sahakar Bharati or cooperative ethics

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10. Changes to the Terms

We may update or modify these Terms at any time. Changes will be posted on this page.

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11. Contact Us

Email: mail.sbkar@gmail.com
Phone: +91 9686 2111 62
Address: Sahakar Bharati Karnataka, Bengaluru

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12. Rules & Regulations of Sahakara Sangha (Cooperative Society Guidelines)

As Sahakar Bharati works closely with cooperative institutions, all members and users are expected to respect & follow the principles, values, and regulations of the Sahakara Sangha / Cooperative Movement.

A. Cooperative Principles (Internationally Accepted)

• Voluntary and open membership
• Democratic member control
• Member economic participation
• Autonomy and independence
• Education, training and information
• Cooperation among cooperatives
• Concern for community

B. Member Responsibilities

• Actively participate in cooperative activities.
• Maintain discipline during meetings and organizational programs.
• Respect other members and uphold cooperative values.
• Follow instructions issued by the Sangha or governing committee.
• Submit accurate information for membership registration.

C. Ethical Conduct

• No political misuse of the cooperative platform.
• No spreading misinformation about Sahakar Bharati or Sangha activities.
• No financial irregularities or manipulation of payment receipts.
• No misuse of membership or member data.

D. Meeting & Event Rules

• Members must cooperate with meeting procedures.
• Maintain decorum and constructive participation.
• Follow the instructions given by Sangha officials.
• Ensure punctuality in events and official gatherings.

E. Disciplinary Action

Violation of Sangha rules may lead to:

• Warning notice
• Temporary suspension
• Permanent cancellation of membership
• Reporting the issue to concerned cooperative authorities

F. Financial Conduct

• Payments must be genuine and from legal sources.
• Members must not engage in fraudulent fund claims.
• All contributions must follow cooperative guidelines.

G. Compliance with Laws

Members must comply with relevant acts, including:

• The Karnataka Cooperative Societies Act
• The Multi-State Cooperative Societies Act
• Rules issued by Registrar of Cooperative Societies
• Guidelines issued by Sahakar Bharati (National & State units)

By becoming a member or using this website, you agree to follow all above cooperative rules and uphold the values of Sahakar Bharati.

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Last Updated: 22 Nov 2025