Welcome to Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd ("we", "our", "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy describes how we collect, use, and disclose information when you use our website.
We may collect and process the following types of personal information:
However, please note that no method of transmission over the Internet or method of electronic storage is 100% secure, and we cannot guarantee its absolute security.
We do not sell, trade, or otherwise transfer your personal information to outside parties except in the following circumstances:
You have the following rights regarding your personal data:
We use cookies and similar tracking technologies to track the activity on our website and hold certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our services.
Our services are not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that a child under 18 has provided us with personal information, we will take steps to delete such information.
Please note that this website is for informational purposes only. We do not process transactions or manage customer accounts through this website. For banking transactions and account management, please visit one of our branches or use our designated online banking platforms.
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes.
If you have any questions about this Privacy Policy, please contact us at:
Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd. does not provide refund &
cancellation as we are a primary agricultural co-operative credit society, thus we require payment Gateway
to receive loan repayment from our customers.
Amount once paid through the payment gateway shall not be refunded other than in the following
circumstances:
Multiple times debiting of Customers Card/Bank Account due to technical error OR Customer’s account being
debited with excess amount in a single transaction due to technical error. In such cases, excess amount
excluding Payment Gateway charges would be refunded to the Customer.
Due to technical error, payment being charged on the Customer’s Card/Bank Account, but the transaction is
unsuccessful.
Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd. does not provide refund&
cancellation as we are a primary agricultural credit society, thus we require payment Gateway to receive
loan repayment from our customers.
The Customer will have to make an application for refund along with the transaction number and original
payment receipt if any generated at the time of making payments.
The application in the prescribed format should be sent to
tafcos@hotmail.com
The application will be processed manually and after verification, if the claim is found valid, the amount
received in excess will be refunded by Thamarassery Agricultural Farmers Social Welfare Co-Operative Society
Ltd. through electronic mode in favour of the borrower and confirmation sent to the mailing address given to
us, within a period of 7 calendar days on receipt of such claim. It will take 3-7 days for the money to show
in your bank account depending on your bank’s policy.
The Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd. assumes no responsibility and
shall incur no liability if it is unable to affect any Payment Instruction(s) on the Payment Date owing to
any one or more of the following circumstances:
If the Payment Instruction(s) issued by you is/are incomplete, inaccurate, and invalid and delayed.
If the Payment Account has insufficient funds/limits to cover for the amount as mentioned in the Payment
Instruction(s).
If the funds available in the Payment Account are under any encumbrance or charge.
If your Bank refuses or delays honouring the Payment Instruction(s).
Circumstances beyond the control of Thamarassery Agricultural Farmers Social Welfare Co-Operative Society
Ltd. (including, but not limited to, fire, flood, natural disasters, bank strikes, power failure, systems
failure like computer or telephone lines breakdown due to an unforeseeable cause or interference from an
outside force)
In case the payment is not effected for any reason, you will be intimated about the failed payment by an
e-mail.
User agrees that the Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd., in its sole
discretion, for any or no reason, and without penalty, may suspend or terminate his/her account (or any part
thereof) or use of the Services and remove and discard all or any part of his/her account, user profile, or
his/her recipient profile, at any time. Thamarassery Agricultural Farmers Social Welfare Co-Operative
Society Ltd. may also in its sole discretion and at any time discontinue providing access to the Services,
or any part thereof, with or without notice. User agrees that any termination of his/her access to the
Services or any account he/she may have, or portion thereof may be effected without prior notice and also
agrees that Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd. will not be liable to
User or any third party for any such termination. Any suspected, fraudulent, abusive, or illegal activity
may be referred to appropriate law enforcement authorities. These remedies are in addition to any other
remedies Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd. may have at law or in
equity. Upon termination for any reason, the user agrees to immediately stop using the Services.
Welcome to the Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd. website ("we", "our", "us"). By accessing and using our website, you agree to comply with and be bound by the following Terms and Conditions. If you do not agree with these terms, please do not use our website.
By using the website, you agree to be bound by the terms of these Terms and Conditions (T&C). If you are using the website on behalf of an entity, you represent that you have the authority to bind that entity. If you do not have such authority or do not agree to the terms of the T&C, neither you nor the entity you represent may use the website.
These T&C may be revised or altered by Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd. at its sole discretion at any time without prior intimation to you, with the latest T&C being made available for your reference on the website. Any such changes will be effective immediately.
By continuing to use this website or to access or use the services, you agree to be bound by the most recent and updated T&C. You are solely responsible for understanding and complying with all applicable laws of your specific jurisdiction, including but not limited to the applicable Reserve Bank of India Guidelines, Prevention of Money Laundering Act, 2002, and the concerned Know Your Customer (KYC) / Anti-Money Laundering (AML) guidelines that may be applicable to you in connection with your business and use of the website.
To avail of the services, you must be registered with Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd. and have submitted all requisite documentation as sought by the bank. By registering with Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd, you agree to provide true, accurate, current, and complete information, failing which the bank may at any time reject your registration and terminate your right to use or access the website and services. You further grant Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd. a non-exclusive and worldwide right to use the registration data provided by you with respect to your registration on the website.
You acknowledge and agree that the form and nature of the services which Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd. provides may change from time to time without prior notice to you. You further acknowledge and agree that Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd. may stop (permanently or temporarily) providing the services (or any features within the services) to you at its sole discretion, without prior notice.
You are solely responsible for maintaining the confidentiality of your account and password. Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd. will not be liable to any person or entity for any loss or damage which may arise as a result of any failure on your part to protect your login ID, password, or any other credential pertaining to your account. You should take all necessary steps to ensure that the password is kept confidential and secure. In case you have any reason to believe that your password has become known to anyone else, or if the password is being, or is likely to be, used in an unauthorized manner, you should inform us immediately at
You agree not to access (or attempt to access) any of the services by any means other than through the valid and accepted interface that is provided by Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd. unless specifically allowed by the bank otherwise. You further agree that you will not engage in any activity that interferes with or disrupts the services (or the servers and networks connected to the services) on this website and will not reproduce, duplicate, copy, sell, trade, or resell the services for any purpose.
You agree that you are solely responsible for any breach of your obligations under this T&C and for the consequences (including any loss or damage which Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd. may suffer) of any such breach. You further agree that you are solely responsible for ensuring that your use of the service is in compliance with all laws and regulations, and you represent and warrant to Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd. that you will comply with this sub-section.
You will not, and will not allow a third party to:
You agree to use our website for lawful purposes only and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the website. Prohibited behavior includes harassing or causing distress or inconvenience to any other user, transmitting obscene or offensive content, or disrupting the normal flow of dialogue within our website.
All content, design, text, graphics, and interfaces on our website are the property of Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd. and are protected by intellectual property laws. You may not copy, reproduce, republish, upload, post, transmit, or distribute any material from our website without our prior written consent.
Our website is provided "as is" and "as available" without any representations or warranties, express or implied. We do not warrant that the information on this website is accurate, complete, or current. To the fullest extent permitted by law, we disclaim all warranties, including the warranty of merchantability, non-infringement of third-party rights, and the warranty of fitness for a particular purpose.
Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd. will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of, or inability to use, our website. This includes, but is not limited to, damages for errors, omissions, interruptions, defects, delays, computer viruses, loss of profits, or loss of data.
Our website may contain links to third-party websites that are not controlled or operated by us. These links are provided for your convenience only. We are not responsible for the content, privacy policies, or practices of any third-party websites.
Your use of our website is also governed by our Privacy Policy, which can be found on this website. By using our website, you consent to the processing of your personal data as described in our Privacy Policy.
We may update these Terms and Conditions from time to time. Any changes will be posted on this page, and the updated Terms and Conditions will take effect upon posting. You are advised to review these Terms and Conditions periodically for any changes.
These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of India. Any disputes arising out of or in connection with these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts of Cochin, Kerala.
If and to the extent that Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd 's performance of any of its obligations under this T&C is delayed or hindered due to fire, flood, earthquake, and other similar elements of nature, an act of God, acts of war, terrorism, riots, civil disorders, rebellions or revolutions, an epidemic, pandemic, government orders pertaining to a lockdown or otherwise, or any other similar cause beyond the reasonable control of Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd. (each, a "Force Majeure Event"), and such non-performance, hindrance, or delay could not have been prevented by reasonable precautions, then Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd. will be excused for such non-performance, hindrance, or delay, as applicable, of those obligations affected by the Force Majeure Event for as long as such Force Majeure Event continues.
If you have any questions about these Terms and Conditions, please contact us at: Thamarassery Agricultural Farmers Social Welfare Co-Operative Society Ltd