Privacy Policy & Terms

We collect information you provide directly to us when you apply for membership, use our services, or communicate with us.

• Personal Information: Name, date of birth, address, phone number, and email address.
• Identity Documents: Details from your Aadhar card, Voter ID, or Passport for verification.
• Financial Information: Payment details for processing membership fees and contributions.
• Community Information: Details required to verify your membership within the Muslim community.
• Family Information: Details of family members required for scheme eligibility.

Your information is used for the following purposes:

• To process and manage your membership application and account.
• To verify your eligibility for WIRSA's membership and various schemes.
• To process payments and contributions securely.
• To communicate with you about your membership, contributions, and available schemes.
• To ensure compliance with our internal rules and government regulations.
• To maintain transparency in our financial and operational activities.
• To improve our services and your experience as a member.

We implement robust technical and organizational measures to protect your personal information:

• Encryption of sensitive data both in transit and at rest.
• Regular security audits and vulnerability assessments to identify and patch threats.
• Strict access controls and authentication mechanisms to prevent unauthorized access.
• Comprehensive training for our staff on data protection and privacy best practices.
• Secure payment processing through certified and compliant payment gateways.
• Regular data backups and disaster recovery plans to ensure data integrity.

We do not sell, trade, or rent your personal information to third parties. We may share your information only in these limited and necessary circumstances:

• With government authorities for identity verification as required by law.
• With secure payment processors to facilitate financial transactions.
• With community leaders for membership verification (sharing only limited and necessary information).
• With legal authorities when required by a court order or other legal proceedings.
• With our official auditors for financial transparency and compliance purposes.

Under Indian data protection laws, you have the right to:

• Access the personal information we hold about you.
• Request correction of any inaccurate or incomplete information.
• Request the deletion of your data, subject to legal and regulatory requirements.
• Object to the processing of your personal information in certain cases.
• Withdraw your consent where our processing is based on your consent.
• Lodge a complaint with the relevant data protection authorities if you have concerns.

If you have any questions about this Privacy Policy or our data practices, please contact our Data Protection Officer:

By registering for WIRSA membership, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.

These terms constitute a legally binding agreement. We reserve the right to update these terms at any time with proper notice to our members.

• You must provide accurate and truthful information during registration.
• You are responsible for maintaining the confidentiality of your account credentials.
• You must pay the annual membership fee and any mandatory contributions in a timely manner.
• You agree to respect community values and Islamic principles.
• You must not engage in any fraudulent or misleading activities.
• You must comply with all WIRSA rules and regulations.
• You agree to notify us of any changes to your personal information.

• The annual membership fee of ₹182 must be paid within 72 hours of verification.
• Contributions to the Beneficiary Fund are mandatory for all active members.
• Payments are non-refundable 24 hours after a successful transaction.
• Late payments may result in the suspension or cancellation of your membership.
• All payments must be made through the approved payment methods only.
• Any payment disputes must be raised within 7 days of the transaction.

• Eligibility for all schemes is subject to the completion of a 6-month lock-in period for new members.
• Your membership must be continuous and in good standing, without any lapses.
• You must meet all specific requirements for each scheme you apply for.
• Benefits are subject to the availability of funds and scheme quotas.
• WIRSA will verify all eligibility criteria at the time of application.
• WIRSA reserves the right to make the final decision in case of disputes or unclear eligibility.

• Members may voluntarily cancel their membership by providing written notice.
• A refund of ₹132 (after a ₹50 processing fee deduction) is issued for voluntary cancellations.
• No refund will be provided for involuntary cancellations due to rule violations.
• Re-joining after cancellation requires a new registration and a fresh lock-in period.
• Cancelled members forfeit any rights to pending or future scheme benefits.
• WIRSA reserves the right to cancel any membership for cause, without a refund.

• Disputes should first be addressed through WIRSA's internal grievance mechanism.
• If a resolution is not reached, mediation through community elders may be sought.
• Failing that, disputes will be resolved through arbitration as per the Indian Arbitration and Conciliation Act, 2015.
• All disputes are subject to the exclusive jurisdiction of the courts in Delhi.
• The English language will be used for all legal proceedings.
• Members waive their right to participate in any class-action lawsuits.

• These terms are governed by the laws of India.
• The courts of Delhi have exclusive jurisdiction over all legal disputes.
• WIRSA is registered under the relevant Indian legal frameworks.
• All legal notices must be served at our registered office address in Delhi.
• All legal proceedings must be conducted in the English language.
• Indian legal precedents and statutes will be applicable.