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Privacy Policy

Last Updated: October 27, 2026

Welcome to Mother India. We value your privacy and are committed to handling your personal information responsibly.

This Privacy Policy explains how Mother India, operated by Mixdeal LLC, collects, uses, stores, and shares information when you visit our website or use our services.

By using Mother India, you acknowledge the data practices described in this policy.

1. Information We Collect

We may collect information that you provide directly when registering, posting advertisements, submitting listings, or contacting us.

Name and contact details
Email address and phone number
Account registration information
Business and professional information
Classified advertisement details
Event and job listing information
Images, descriptions, and uploaded content
Payment and transaction information
Customer support communications

We may also automatically collect technical information such as IP addresses, browser type, device information, pages visited, and website usage data.

2. How We Use Your Information

We may use collected information to:

Create and manage user accounts
Publish and manage advertisements
Display events, jobs, and business listings
Provide customer support
Process purchases and subscriptions
Send service-related notifications
Improve website functionality
Analyze website performance
Detect fraud and prevent misuse
Comply with applicable legal requirements

Where permitted by law, we may send promotional communications. Users may unsubscribe from marketing emails using the instructions provided in those messages.

3. User Accounts and Registration

Users may create accounts to post classified advertisements, events, jobs, business listings, and other available content.

You are responsible for maintaining the confidentiality of your account credentials and providing accurate registration information.

We use account information to manage your profile, listings, and interactions with our platform.

4. Classifieds and Public Listings

Mother India provides a platform for posting and discovering classified advertisements, events, jobs, rentals, businesses, products, and services.

Information included in public listings may be visible to website visitors and search engines.

This may include:

Listing titles and descriptions
Business names and categories
Publicly provided contact information
Uploaded photographs
Event dates and locations
Job and service details

Please avoid including sensitive personal information in public listings.

Content shared publicly may be viewed, saved, or copied by third parties outside our control.

5. Cookies and Tracking Technologies

Mother India may use cookies and similar technologies to improve website functionality and user experience.

These technologies may help us:

Maintain login sessions
Remember user preferences
Measure website traffic
Understand visitor interactions
Improve website performance
Support advertising activities

You can manage or block cookies through your browser settings. Disabling certain cookies may affect website functionality.

6. Advertising and Promotions

Mother India may offer free and paid advertising services, featured listings, sponsored placements, and promotional packages.

We may process information related to advertising accounts, campaign details, subscriptions, and promotional activities.

Advertising and analytics providers may collect information through cookies or similar technologies when their services are enabled.

7. Payments and Transactions

Certain services may require payment, including paid advertisements, featured listings, subscriptions, or promotional packages.

Payments may be processed through third-party payment service providers.

We may receive transaction-related information such as payment status, transaction identifiers, and billing details needed for accounting and customer support.

Payment providers handle payment information according to their own privacy policies.

8. Information Sharing

We do not sell personal information to third parties for monetary payment.

We may share information with:

Website hosting and infrastructure providers
Payment processing companies
Analytics and advertising service providers
Customer support and communication providers
Service providers supporting website operations
Legal authorities when required by law

We may also disclose information when necessary to protect our legal rights, prevent fraud, or maintain platform security.

9. Data Security

We use reasonable administrative, technical, and organizational measures intended to protect personal information from unauthorized access, alteration, disclosure, or destruction.

However, no method of internet transmission or electronic storage is completely secure. We cannot guarantee absolute security.

10. Data Retention

We retain personal information for as long as reasonably necessary to provide services, maintain accounts, meet legal obligations, resolve disputes, and enforce applicable agreements.

Retention periods may vary depending on the nature of the information and applicable legal requirements.

11. Your Privacy Choices

Depending on your location and applicable privacy laws, you may have rights to:

Request access to personal information
Request correction of inaccurate information
Request deletion of eligible information
Withdraw certain permissions or consent
Opt out of promotional communications
Request information about data processing

To make a privacy-related request, contact us using the email address below. We may need to verify your identity before processing certain requests.

12. Children's Privacy

Mother India is not intended for children under the age of 13. We do not knowingly collect personal information directly from children under 13.

If you believe a child has provided personal information to us, please contact us so that we can review the request and take appropriate action.

13. Third-Party Websites

Our website may contain links to third-party websites, including external event platforms, business websites, advertisers, and service providers.

We are not responsible for the privacy practices or content of independently operated third-party websites.

We encourage users to review the privacy policies of external websites before providing personal information.

14. International Visitors

Mother India may be accessible to users outside the United States.

Information collected through our services may be processed or stored in the United States or other locations where our service providers operate.

Applicable privacy rights may vary depending on your jurisdiction.

15. Changes to This Policy

We may update this Privacy Policy to reflect changes in our services, technology, operational practices, or legal requirements.

Any updates will be published on this page with a revised Last Updated date.

We encourage users to review this policy periodically.

16. Contact Us

If you have questions regarding this Privacy Policy or how your personal information is handled, please contact us.

Email: info@motherindia.us

Website: https://motherindia.us/

Contact Page: Contact Mother India

2d:Ta3b,

Terms & Conditions

Welcome to Mother India .

These Terms & Conditions govern access to and use of the Mother India website, including its classifieds, events, jobs, business listings, services, rentals, advertising opportunities, and other available features.

By accessing or using our platform, you agree to these Terms & Conditions. If you do not agree, please discontinue use of the website.

1. About Mother India

Mother India is an online community platform connecting individuals, businesses, advertisers, and service providers through digital listings, classified advertisements, events, jobs, rentals, business promotions, and related services.

Our platform allows users to discover opportunities, publish advertisements, promote businesses, and communicate with other members of the community.

Mother India generally provides an online publishing and discovery platform and is not automatically a party to transactions between users.

2. Eligibility to Use the Website

By using Mother India, you represent that you are legally permitted to access and use our services.

You must meet the applicable minimum age and legal capacity requirements.
You must provide accurate information when registering an account.
You must comply with applicable laws and these Terms & Conditions.
You must not use the platform for illegal or fraudulent activities.

Users acting on behalf of businesses must have the authority to represent those businesses.

3. Account Registration

Certain features may require users to create an account.

You agree to:

Provide current, accurate, and complete registration details.
Maintain the confidentiality of your login credentials.
Keep your account information updated.
Accept responsibility for activity performed through your account, except where applicable law provides otherwise.
Notify us promptly if you suspect unauthorized account access.

We may restrict, suspend, or terminate accounts involved in violations of these terms, subject to applicable law.

4. Classified Advertisements

Mother India allows users to publish classified listings across available categories.

These may include:

Buy and sell advertisements
Furniture and household items
Automobiles and vehicles
Real estate and rentals
Jobs and employment opportunities
Local services
Business promotions
Community activities and events
Other permitted categories

Users are responsible for the accuracy, legality, availability, and completeness of advertisements they publish.

Mother India does not independently guarantee the authenticity, condition, ownership, or quality of products and services advertised by users.

5. Listing Rules and Content Standards

All advertisements and submitted content must comply with applicable laws and platform requirements.

Users must not publish:

False, misleading, or fraudulent advertisements.
Stolen goods or illegally obtained products.
Prohibited or unlawfully restricted items.
Content that infringes intellectual property rights.
Harassing, threatening, or abusive material.
Malicious links, viruses, or harmful software.
Unauthorized personal information belonging to another individual.
Spam, deceptive promotions, or impersonation.
Content that violates applicable advertising or consumer protection laws.

We reserve the right to review, reject, restrict, or remove content that violates our policies or applicable legal requirements.

6. Free and Paid Listings

Mother India may offer free listings and paid advertising or promotional packages.

The availability, duration, pricing, visibility, and features of each package will be described at the time of purchase or publication.

Free listings may be subject to quantity, duration, or category restrictions.

Paid packages may provide additional features such as featured placement, enhanced visibility, or promotional options.

Purchasing a promotional package does not guarantee inquiries, sales, website traffic, or customer conversions.

7. Featured Advertisements

Businesses and individuals may purchase featured advertising placements when available.

Featured advertising services may include:

Priority listing placement
Featured advertisement positions
Enhanced promotional visibility
Category or homepage placements
Other advertised promotional features

Featured positioning and display duration depend on the package purchased and the applicable advertising conditions.

We do not guarantee advertising performance, impressions, clicks, leads, or sales unless expressly agreed in writing.

8. Business Listings and Services

Businesses may publish information about their products, locations, services, and contact details.

Business owners are responsible for ensuring their listings are accurate and lawful.

Mother India does not automatically endorse, certify, or guarantee businesses listed on the platform.

Users should independently verify business information before entering agreements or making purchases.

9. Events and Community Activities

Mother India may display or promote community events, festivals, cultural activities, entertainment programs, and other gatherings.

Event organizers are responsible for providing accurate information regarding:

Event dates and times
Venue and location
Ticket pricing
Entry requirements
Event cancellation policies
Safety and legal compliance

Unless expressly stated otherwise, Mother India is not the organizer of third-party events and does not control their operation.

Ticket purchases and refunds may be governed by the event organizer's own terms.

10. Jobs and Employment Listings

Mother India may provide access to job postings and employment-related advertisements.

Employers and recruiters are responsible for the accuracy and legality of their postings.

Mother India does not guarantee employment, job placement, salary, employer legitimacy, or hiring outcomes.

Applicants should independently verify opportunities before sharing sensitive documents or financial information.

11. Real Estate and Rental Listings

Property listings may include rentals, rooms, homes, commercial properties, and roommate opportunities.

Property owners, landlords, agents, and advertisers are responsible for listing accuracy, authorization, and legal compliance.

Mother India does not guarantee property ownership, availability, condition, rental terms, or transaction outcomes.

Users should verify property details and relevant documentation before sending payments or signing agreements.

12. Payments and Billing

Some platform services may require payment.

Prices and applicable fees will be displayed before the purchase is completed.

Payments may be handled through third-party payment processing providers.

You agree to provide valid payment information and authorize applicable charges for services you purchase.

Where subscriptions or automatic renewals are offered, the applicable billing frequency, renewal terms, and cancellation procedures must be disclosed at checkout.

13. Refunds and Cancellations

Refund eligibility for paid advertisements, subscriptions, and promotional services depends on the applicable purchase terms and refund policy.

Any cancellation or refund request will be reviewed according to the terms applicable to the purchased service and relevant consumer laws.

Please review our Refund Policy for additional details where available.

For billing assistance, contact info@motherindia.us.

14. User Transactions and Safety

Users may communicate or transact with other users through listings and advertisements.

Unless expressly stated otherwise, Mother India does not directly manage or guarantee these transactions.

Users should take reasonable precautions when communicating with unfamiliar individuals, arranging meetings, or making payments.

Verify the identity of the other party.
Inspect products or properties when appropriate.
Avoid suspicious advance payment requests.
Protect sensitive financial information.
Report suspicious advertisements or activity.

15. User-Generated Content

Users retain ownership of content they lawfully create and submit to the platform.

By submitting content, you grant Mother India a non-exclusive, worldwide, royalty-free license to host, store, reproduce, display, format, and distribute that content as reasonably necessary to operate and promote the platform and your listing.

You represent that you have the necessary rights and permissions to publish your submitted content.

This license ends when the content is removed, except to the extent that retention is necessary for legal, security, backup, or legitimate operational purposes.

16. Intellectual Property

Mother India's website design, branding, logos, original text, graphics, and other platform materials may be protected by intellectual property laws.

Users must not reproduce, distribute, modify, or commercially exploit protected platform materials without appropriate authorization, except as permitted by law.

If you believe content on the website infringes your rights, please contact us with the relevant details.

17. Privacy and Personal Information

Our collection and handling of personal information are described in our Privacy Policy.

Please review: Mother India Privacy Policy .

Users should avoid publishing sensitive personal information in publicly accessible advertisements.

18. Third-Party Links and Services

Mother India may display links to third-party websites, advertisers, service providers, event platforms, and external resources.

We do not control independently operated third-party websites and are not responsible for their content, policies, or services.

Interactions with third parties may be subject to those parties' separate agreements.

19. Service Availability

We aim to provide a reliable and accessible platform, but uninterrupted website availability cannot be guaranteed.

Services may be temporarily unavailable due to maintenance, updates, technical difficulties, or circumstances beyond our reasonable control.

We may update, modify, or discontinue features, subject to applicable legal and contractual obligations.

20. Account Suspension and Termination

We may suspend or terminate accounts or restrict access when reasonably necessary to address:

Violations of these Terms
Fraudulent or unlawful behavior
Spam or platform abuse
Security threats
Misleading advertisements
Repeated policy violations

Where appropriate and legally required, we may provide notice or an opportunity to address a violation.

21. Disclaimers

The website and its services are provided on an "as available" basis.

To the extent permitted by law, Mother India makes no guarantee regarding the accuracy, availability, or reliability of third-party advertisements, products, employment opportunities, events, or services.

Nothing in these Terms excludes warranties or rights that cannot lawfully be excluded.

22. Limitation of Liability

To the extent permitted by applicable law, Mother India is not responsible for losses arising solely from disputes between independent users or third-party advertisers, or from circumstances outside our reasonable control.

Any limitation of liability applies only to the extent permitted by law and does not exclude liability that cannot legally be limited or excluded.

23. Changes to Terms & Conditions

We may update these Terms from time to time to reflect changes in our services, business practices, or legal requirements.

Updated Terms will be published on this page with a revised Last Updated date.

Where required by law, we will provide additional notice of material changes.

24. Governing Law and Disputes

These Terms are intended to be governed by the applicable laws of the State of Georgia, United States, without overriding mandatory consumer protections that may apply in another jurisdiction.

If a dispute arises, we encourage users to contact us first to seek an informal resolution.

Nothing in these Terms restricts rights or remedies that cannot lawfully be waived.

25. Contact Information

If you have questions about these Terms & Conditions, please contact us.

Email: info@motherindia.us

Website: www.motherindia.us

Contact Page: Contact Mother India

2f:T17aa,

About MotherIndia USA – Connecting Indian Communities Across the USA

Connecting Communities. Celebrating Culture. Creating Opportunities.

MotherIndia is an online community platform bringing Indian American communities, local businesses, entrepreneurs, and event organizers together across the United States.

Who We Are

MotherIndia is a community-focused digital platform designed to make local discovery, business promotion, and cultural connections easier for Indian Americans and the wider community across the USA.

From finding local businesses and browsing classified advertisements to discovering Indian cultural events and reading community stories, MotherIndia brings everyday resources together in one convenient place.

We believe meaningful connections help communities grow. Our platform creates opportunities for people to explore local services, connect with businesses, discover useful products, and participate in celebrations that reflect India's rich cultural heritage.

Our Mission

Bringing People and Businesses Together

Our mission is to connect communities across the United States through accessible business listings, classified advertisements, cultural events, and informative content.

We aim to help businesses improve their visibility, support entrepreneurs, and make it easier for people to discover relevant local opportunities.

Our Vision

A Connected Indian American Community

Our vision is to build a welcoming digital destination where Indian traditions, modern lifestyles, business opportunities, and community relationships come together.

We want MotherIndia to become a valuable resource for discovering businesses, events, products, services, and stories across the USA.

What MotherIndia Offers

MotherIndia provides digital services designed to connect people, promote businesses, and bring communities closer together.

1. Indian Business Directory USA

Discover Indian businesses, local professionals, restaurants, retail shops, and service providers across the United States. Our business directory helps customers explore local services while giving businesses opportunities to improve their online visibility.

Explore Indian Business Directory

2. Classified Ads in USA

Browse classified advertisements for electronics, vehicles, furniture, fashion, home products, sports equipment, and other eligible goods and services. MotherIndia connects buyers and sellers through organized online classified listings.

Explore Classified Ads

3. Indian Events and Cultural Festivals

Discover Indian cultural events across the USA, including Bollywood concerts, Garba and Dandiya nights, Diwali celebrations, Holi festivals, cultural performances, workshops, and community gatherings.

Discover Indian Events in USA

4. Blogs and Community Stories

Explore informative articles covering Indian culture, lifestyle, entertainment, business, travel, festivals, and community experiences. Our blogs help readers stay connected with topics relevant to Indian American communities.

Read MotherIndia Blogs

5. Business Advertising and Promotion

MotherIndia offers advertising opportunities for businesses interested in promoting their products and services. Business listings, classified advertisements, and promotional placements help brands connect with relevant audiences across the United States.

6. Indian American Community Connections

MotherIndia helps individuals and businesses discover local communities, cultural activities, services, and opportunities that support meaningful connections.

Why Choose MotherIndia?

Community-Focused Platform

MotherIndia is designed around the interests, traditions, and everyday needs of Indian American communities and local audiences across the USA.

Support for Local Businesses

We provide a platform where entrepreneurs, small businesses, and service providers can showcase their offerings and connect with potential customers.

Easy Local Discovery

Visitors can explore products, services, businesses, and community events through organized listings and relevant categories.

Business and Advertising Opportunities

MotherIndia brings together business listings, classified advertisements, and promotional opportunities in one digital destination.

Our Commitment to the Indian American Community

At MotherIndia, we believe strong communities are built through meaningful relationships, shared experiences, and opportunities for growth.

We are committed to developing a useful platform that helps visitors discover local resources, gives businesses opportunities to connect with customers, and makes Indian cultural celebrations more accessible throughout the United States.

Whether you are an entrepreneur, a local seller, an event organizer, or someone exploring your community, MotherIndia welcomes you.

Be Part of the MotherIndia Community

Discover local businesses, explore classified ads, find upcoming Indian events, and connect with opportunities across the United States.

Join MotherIndia to explore community resources, promote your business, discover local services, and stay connected with Indian culture.

Explore MotherIndia

Contact MotherIndia

30:T267f,

Refund & Cancellation Policy

Welcome to Mother India

We are committed to providing a transparent and fair experience for users who purchase advertising, promotional packages, featured listings, and other paid services through our platform.

This Refund & Cancellation Policy explains the proposed terms governing refund requests, cancellations, payment errors, and billing disputes.

Please review this policy before purchasing any paid service.

1. Scope of This Policy

This policy applies to eligible payments made directly to Mother India for services offered on our platform.

These services may include:

Paid classified advertisements
Featured advertisements
Business listing promotions
Job listing packages
Event advertisement promotions
Homepage and category advertising
Digital promotional packages
Subscription-based services

Purchases from independent sellers, event organizers, or businesses advertising on Mother India may be governed by those third parties' own refund policies.

2. Free Listings

Mother India may provide free classified advertisements and other complimentary listing services.

No refund is applicable to a service provided without charge.

Free listings remain subject to the platform's applicable posting rules and limitations.

3. Paid Advertisement Refunds

Paid advertisement packages provide access to promotional services selected during checkout.

Refund requests submitted before a paid advertisement is published or the purchased promotional service begins may be eligible for a refund, subject to review and applicable law.

Once a paid advertisement has been published or promotional delivery has started, refunds may be limited to the unused portion of the service, where appropriate.

A refund is not guaranteed solely because an advertisement receives fewer views, inquiries, leads, or sales than expected.

4. Featured Listing and Promotion Refunds

Featured advertisements and priority placements are digital promotional services designed to increase listing visibility.

If a featured placement has not yet been activated, customers may request cancellation and a review of refund eligibility.

If the featured placement has already started, any eligible refund may take into account the portion of services already delivered.

Mother India does not guarantee specific traffic, impressions, inquiries, customers, or sales unless expressly agreed in writing.

5. Subscription Cancellations

Certain Mother India services may be offered on a monthly, quarterly, or other recurring subscription basis.

If automatic renewal is enabled, the billing frequency, price, and renewal conditions will be disclosed during checkout.

Customers may request cancellation of future renewals through the available account controls or by contacting customer support.

A cancellation stops future renewal charges once processed in accordance with the applicable subscription terms.

Refunds for the current billing period depend on the service terms, unused benefits, and applicable law.

Cancellation does not automatically result in a refund of charges already incurred.

6. Duplicate or Incorrect Payments

If you believe you were charged more than once for the same purchase or charged an incorrect amount, please contact us.

We will review the relevant transaction information and investigate the payment issue.

Verified duplicate payments or billing errors will be corrected, with refunds issued where appropriate.

7. Rejected or Unpublished Advertisements

Mother India may review advertisements for compliance with platform rules and applicable laws.

If a paid advertisement is rejected before publication, we may offer an opportunity to revise the advertisement or provide an appropriate refund where required.

Advertisements removed due to fraud, prohibited content, misrepresentation, or serious policy violations may not qualify for a discretionary refund.

This does not affect refund rights that cannot legally be excluded.

8. Service Errors and Technical Issues

If a paid Mother India service is unavailable or cannot be delivered due to a verified technical issue, please contact our support team.

Depending on the circumstances, we may offer:

Correction of the technical issue
Restoration of the purchased service
An appropriate service extension
Credit toward a future service
A partial or full refund

The available resolution will depend on the specific issue, the purchased service, and applicable law.

9. Changes Requested by Advertisers

Customers may request changes to their advertisement, such as updates to text, images, business information, or promotional details.

The availability of changes depends on the selected package, technical limitations, and applicable editing rules.

A request to change or remove an advertisement does not automatically entitle the customer to a refund.

10. Event Tickets and Third-Party Purchases

Mother India may display advertisements for events, products, services, rentals, and other offerings provided by third parties.

Unless Mother India expressly acts as the seller or payment recipient, refunds relating to those purchases are generally the responsibility of the applicable seller or organizer.

Please review the independent provider's refund and cancellation terms before making a payment.

11. How to Request a Refund

If you would like to request a refund for a payment made directly to Mother India, please contact our support team.

To help us review your request, please provide:

Your name and registered email address
Order or transaction reference number
Name of the purchased service or package
Date and amount of payment
Reason for the refund request
Relevant supporting information, if available

Please do not send complete payment card numbers, passwords, or other sensitive financial credentials by email.

Refund Request Email:
info@motherindia.us

12. Refund Review and Processing

We review refund requests based on the circumstances of the transaction, the applicable service terms, and relevant legal requirements.

If a refund is approved, we will generally attempt to return the funds through the original payment method, where supported.

The time required for refunded funds to appear may vary depending on the payment provider, bank, and payment method.

We will communicate the refund decision and available processing information to the customer.

13. Promotional Credits and Discounts

Mother India may occasionally offer discounts, promotional credits, special advertising offers, or introductory packages.

Promotional credits generally have no cash value unless expressly stated otherwise or required by law.

Discounted purchases remain subject to the refund terms disclosed at checkout and applicable legal rights.

14. Payment Disputes and Chargebacks

If you notice an unauthorized, duplicate, or incorrect charge, please contact Mother India or your payment provider.

We may request transaction details to investigate a payment dispute.

Customers retain any applicable rights to dispute charges through their card issuer, payment provider, or other lawful process.

Nothing in this policy limits those legally protected rights.

15. Changes to This Refund Policy

Mother India may update this Refund & Cancellation Policy to reflect changes in services, business operations, payment procedures, or legal requirements.

Updates will be published on this page with a revised Last Updated date.

Changes will not retroactively remove rights already established under an existing purchase or applicable law.

16. Contact Information

For questions concerning payments, billing, advertising cancellations, or refund requests, please contact us.

Mother India

Email: info@motherindia.us

Website: www.motherindia.us

Contact Page: Contact Mother India

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1. Classified Ads Support

2. Business Directory Listings

3. Advertising and Business Promotions

4. Indian Events and Cultural Festivals

5. Account and Technical Support

6. Partnerships and Collaborations

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Terms & Conditions

1. About Mother India

2. Eligibility to Use the Website

3. Account Registration

4. Classified Advertisements

5. Listing Rules and Content Standards

6. Free and Paid Listings

7. Featured Advertisements

8. Business Listings and Services

9. Events and Community Activities

10. Jobs and Employment Listings

11. Real Estate and Rental Listings

12. Payments and Billing

13. Refunds and Cancellations

14. User Transactions and Safety

15. User-Generated Content

16. Intellectual Property

17. Privacy and Personal Information

18. Third-Party Links and Services

19. Service Availability

20. Account Suspension and Termination

21. Disclaimers

22. Limitation of Liability

23. Changes to Terms & Conditions

24. Governing Law and Disputes

25. Contact Information

About MotherIndia USA – Connecting Indian Communities Across the USA

Connecting Communities. Celebrating Culture. Creating Opportunities.

Who We Are

Our Mission

Bringing People and Businesses Together

Our Vision

A Connected Indian American Community

What MotherIndia Offers

1. Indian Business Directory USA

2. Classified Ads in USA

3. Indian Events and Cultural Festivals

4. Blogs and Community Stories

5. Business Advertising and Promotion

6. Indian American Community Connections

Why Choose MotherIndia?

Community-Focused Platform

Support for Local Businesses

Easy Local Discovery

Business and Advertising Opportunities

Our Commitment to the Indian American Community

Be Part of the MotherIndia Community

Refund & Cancellation Policy

1. Scope of This Policy

2. Free Listings

3. Paid Advertisement Refunds

4. Featured Listing and Promotion Refunds

5. Subscription Cancellations

6. Duplicate or Incorrect Payments