Republic of Uzbekistan, Tashkent city
Version 2.5 effective from April 4, 2024

This Offer is an official public offer addressed to individuals by the Payment Organization "CLICK" LLC, which has the appropriate license from the Central Bank of the Republic of Uzbekistan, which has the right to provide payment services, including acceptance and processing of payments using electronic money, as well as other services, the provision of which does not contradict the Law of the Republic of Uzbekistan "On Payments and Payment Services" (hereinafter referred to as the Service Operator or the Operator, depending on the context), to enter into an Agreement for the provision of services for the provision of the Remote Banking Service under the trademark click™  (hereinafter referred to as the " click™ Service" or the Service, depending on context).

The performance of the actions specified in this Offer is an irrevocable and unconditional confirmation of the consent (acceptance) of an individual to conclude Service Agreement on the terms, in the manner and to the extent set forth in this Offer (hereinafter referred to as the Agreement).

1. TERMS AND DEFINITIONS

1.1. Service click™ / Service  is a software product, the exclusive copyright holder of which is CLICK LLC, which allows banks of the Republic of Uzbekistan to provide remote account management services, and Service Users to make Transfers to other Cards, including the ability to pay for the Services of Suppliers,  and to perform other actions within the available functionality of the Service in remote online mode at any time and from any interface of the Service. Service interfaces include:

1. Mobile Interface (https://m.click.uz);
2. Web Interface (https://my.click.uz);
3. Mobile app click™ (Evolution/UP) available for iOS and Android platforms;
4. Mobile app click™ START available for iOS and Android platforms;
5. USSD/SMS-portals;
6. Telegram-bot (@clickuz);
7. Other interfaces that may be available as part of the functionality of click™ Service.

1.2. Service User/User – a legally capable individual who is also a client of a bank(s) of the Republic of Uzbekistan (an individual card holder who has connected to the click™ Service on the basis of a relevant agreement with the bank or on the basis of this Agreement), who has taken actions aimed at concluding an Agreement by accepting the terms of this Offer.
1.3. Service Operator/Operator – CLICK LLC, which is the owner of the set of software, hardware, organizational and legal means, which provides technical and information interaction when the User makes Payments/Transfers and other operations using the Service, which are not prohibited by the legislation of the Republic of Uzbekistan.
1.4. Provider – a legal entity or a branch of a legal entity or individual entrepreneurs who have an agreement with the relevant bank, provide various types of services to the population and receive funds from individuals, including Service Users, for the sold goods and provided services.
1.5. Payment Card/Card is a non-cash payment instrument, which is an electronic means of payment, intended for the cardholder to perform transactions with funds on his account.
1.6. Services – goods, works, services sold, performed, rendered by the Provider to its subscriber/client/buyer on the basis of the relevant contract.

 1.7. Payment – non-cash funds paid by the Service User to the Provider in order to fulfill monetary obligations to the Provider, including prepayment for the Provider’s Services.
1.8. Transfer – non-cash funds transferred from one Card Account to another Card Account on the basis of the Service User's instruction.
1.9. click™ PIN –personal identification code (password) of the User, created and used by him/her in the click ™ Service, necessary to gain access (authorization) to the Service Interfaces and (or) to confirm transactions within the Service.
1.10. Cardholder – an individual, a client of the bank(s) of the Republic of Uzbekistan, in whose name the Card is issued, or a person authorized by the client, using this Card on the basis of an agreement between the client and the Bank of the Republic of Uzbekistan.
1.11. “Payment Monitoring” service is a set of information technology solutions of the Operator, with the help of which the User can obtain information about all transactions made using a Payment Card, view expense/receipt statistics, and also perform other actions provided for by the functionality of click™ Service.
1.12. “Electronic Receipt” service is a set of information technology solutions of the Operator, allowing the User to “order” the delivery of a paper version of receipts confirming the implementation of Payments in favor of Suppliers, available within the framework of this Service in accordance with Section 5.2 of this Agreement.
1.13. “SMS-informing” service is a service of the Unified All-Republican Processing Center (hereinafter referred to as UAPC), which allows Cardholders to receive SMS notifications to their mobile phone number about transactions made through the Card, including transactions made through click™ Service. This service is activated by attaching the Card (entering data about the Card) to the mobile phone number of the Cardholder through specialized information kiosks (bank terminals) under the conditions and in the manner specified in the relevant UAPC offer.
1.14. "Click premium" service is a product that combines several services into a package offer or improves the terms of current service for one or more services, the payment for which is debited from the client by direct recurring payments.
1.15. "Click™ Boom" service is a function of transferring funds to Click™ customers who are close to the user via Bluetooth wireless data transmission.
1.16. The sender of funds within the framework of "click Boom" service is the User of the mobile application click™, which initiates the transfer of funds.
1.17. Recipient of funds within the framework of the "click Boom" service is the User of click™ mobile application, to whom funds are sent.

2. SUBJECT OF THE AGREEMENT

2.1. Under this Agreement, the Service Operator provides Users with the opportunity to use click™ Service, which allows them to make Payments for the Provider' Services online, manage their Cards, make Money Transfers from one Card to another Card online, as well as perform other transactions and receive other services provided for by the functionality of the Service.
2.2. The use of click™ Service is free of charge for Users.
2.3. In accordance with the requirements of the legislation of the Republic of Uzbekistan “On Personal Data,”, by concluding this Agreement, the User provides CLICK LLC  with unlimited consent to the processing of his personal data, in the manner and under the conditions specified in the Policy on the Protection and Processing of Personal Data posted on the Internet – Operator's resource.
2.4. At the same time, the Service Operator provides only technical and informational interaction when the User makes Payments/Transfers and other operations provided for by the functionality of the Service, which are not prohibited by the legislation of the Republic of Uzbekistan and is not responsible for debiting and crediting the relevant funds from the Cards in favor of the Providers or from one Card to another Card.

Responsibility in this case lies with the bank that issued the User's Card, in accordance with the conditions and in the manner specified in the relevant offer/agreement of this bank.
2.5. Click™ service may contain some services that may be provided to Users on a paid basis. The terms and procedure for charging the relevant fee for such services are set out in the relevant sections of this Agreement or its appendices.

3. PROCEDURE FOR CONCLUSION OF THE AGREEMENT (ACCEPTANCE OF THE OFFER) AND PROVISION OF THE SERVICE

3.1. In order to connect and use the Service, by means of his/her mobile phone or otherwise using the Interfaces of Click™ Service (by calling USSD menu, downloading and installing the application, using Telegram bot, through the web interface or by other means available in the functionality of the Service), following the instructions of the relevant Interface, the Cardholder (a) attaches (enters) his/her mobile phone number to which the Service is to be connected, (b) enters (creates)  click-PIN™, (c) attaches (enters) the Card and (d) agrees to the terms and conditions of this Agreement. A prerequisite for "attaching" the Card to click™ Service is the connection of this Card to"SMS-informing" Service.

At the same time, the Operator has the right to refuse the User to connect to the Service in case of failure to comply with any of the requirements of this clause.

3.2. Performance of the actions provided for in clause 1 of this Agreement shall be irrevocable and unconditional confirmation of the Cardholder's consent (acceptance) to conclude the Service Agreement on the terms, in the manner and to the extent set forth in this Agreement. From this moment, the Cardholder acquires the status of the Service User.
3.3. The rights and claims arising from the moment of conclusion of the Agreement may not be transferred by the Service User to third parties.
3.4. The use of the Service is carried out by the User by making (a) Payments for the Services of the Suppliers and (b) Transfers to other Cards and (c) other actions provided for by the functionality of the Service
3.5. The User's order to make Payments/Transfers is his/her will, and the User is solely responsible for the correctness of the information specified in such an order. Such an order shall be executed and sent by the Service User through the relevant Service Interface using the Operator's software and hardware.
3.6. When the User makes a Payment/Transfer, the Operator's obligations to the User are considered to be fulfilled in full from the moment the User receives information about the debiting of funds from the Card balance in accordance with clause 3.7 of this Agreement.
3.7. After the successful execution of the Payment/Transfer, the User is sent a corresponding message about the successful Payment/Transfer, which is displayed in the relevant User Interface or sent to him/her via SMS, indicating the information about the Payment/Transfer, which includes:

1. 
   a) Payment/Transfer Amount;
2. 
   b) Transaction Identification Numbers;
3. 
   c) Date and time of the transaction;
4. 
   d) details of the Payment/Transfer (purpose of payment, services/goods for which the Payment was made, or details of the Client-recipient when making the Transfer).

3.8. Payment by the User for services related to the receipt and sending of SMS messages within the framework of the use of click™ Service is charged and debited from the User's subscriber account by the relevant Mobile Operator in accordance with the tariffs specified in the subscription agreement concluded between this Mobile Operator and the User.

At the same time, if there are insufficient funds on the balance of the subscriber's mobile phone number connected to the Service, such SMS messages will not be delivered.

4. FEATURES OF THE PROVISION OF PAID SERVICES OF THE PROVIDER WITHIN THE FRAMEWORK OF THE SERVICE

4.1. When providing the User with the opportunity to make Payment for the Services of the Providers, for which the relevant fee is provided, such remuneration shall be withheld in excess of the amount payable for the Payment in favor of the Provider in the amounts specified in the relevant Interface
4.2. Confirmation of the Payment for the Provider’s Services, for which the appropriate fee is provided, through any of the interfaces available within the Service is a full and unconditional acceptance by the User of the terms of this Agreement, in accordance with Article 370 of the Civil Code of the Republic of Uzbekistan.
4.3. If there are insufficient funds on the User's Card to make a Payment taking into account the remuneration, this Payment will not be made.
4.4. In cases where the Provider provides for the possibility of refunding the Payment for its Services in case of improper provision of such Services or in other cases provided for by the Provider, the amount of money debited as remuneration in accordance with clause 4.1 of this Agreement shall not be refundable.

5. FEATURES OF THE PROVISION OF PAID SERVICES OF THE OPERATOR WITHIN THE FRAMEWORK OF THE SERVICE

5.1. When providing the User with the services of the Service Operator, for which a corresponding fee is provided, such a fee is charged from the User in the following order by default, unless otherwise specified in the description of individual services within the Service:

1. 
   a) в in the form of a Payment from the linked Card in favor of the Service Operator in the amounts specified in the relevant Interface of click™ Service;
2. 
   b) in the form of debiting funds from the User's e-wallet in the amounts, in the manner and on the terms specified in the relevant Interface of click™ Service.

5.2. Confirmation of the Payment for such services of the Service Operator through any of the interfaces available within the Service or otherwise, provided for in the functionality of the Service, confirmation of the activation of such services, for which an appropriate fee is charged, is a full and unconditional acceptance by the User of the terms of this Agreement, in accordance with Article 370 of the Civil Code of the Republic of Uzbekistan.
5.3. In the event that there are not enough funds on the User's E-wallet, the payment for the Operator's services will be debited from any available User Card added to the Interface of click™ Service.
5.4. If the User does not have enough funds to debit for the payment for the Operator's services, in accordance with sub-clauses (a), (b) of clause 5.1 of this Agreement, the Operator has the right to debit in installments the necessary amount to pay for the Operator's services from the User Cards added to the Interface of click™ Service.
5.5. In the event that the User does not have enough funds for debiting, taking into account the conditions described above, the service ceases to be available to the User in the manner and on the terms described in this Agreement.

6. FEATURES OF THE PROVISION OF CERTAIN SERVICES WITHIN THE FRAMEWORK OF THE SERVICE

6.1. A detailed description of some services provided by the Operator within the framework of the service is contained in the description of each such service, attached to this Agreement in the form of Appendices and being an integral part thereof.
6.2. Confirmation of the Payment for such services of the Service Operator through any of the Interfaces available within the Service or other confirmation of the activation of such services, for which the appropriate fee is charged, is a full and unconditional acceptance by the User of the terms of this Agreement, in accordance with Article 370 of the Civil Code of the Republic of Uzbekistan.

7. RIGHTS AND OBLIGATIONS OF THE PARTIES

7.1. The Operator undertakes to:
7.1.1. Ensure the uninterrupted operation of click™ Service;
7.1.2. Provide information support to Users through its Call Center and by other means available to the Operator;
7.1.3. Ensure the confidentiality of the User's personal data, as well as information constituting bank secrecy in accordance with the legislation of the Republic of Uzbekistan;
7.1.4. Publish messages in the relevant Service Interfaces about changes to this Agreement and/or other significant events and news, including information about new Providers connected to the Service, as well as about changes introduced to the Service.
7.1.5. Participate in the resolution of disputes between the User and the Provider and (or) other Parties.
7.2. The Operator has the right to:
7.2.1. Refuse the Service User to perform a transaction within the Service, if such action and (or) inaction will entail a violation by the Operator of the legislation of the Republic of Uzbekistan and (or) this Agreement.
7.2.2. In case of violation by the User of the Service of the terms of this Agreement and (or) the requirements of the current legislation of the Republic of Uzbekistan and (or) in case of suspicion that the User of the Service is involved in fraudulent transactions and (or) operations on legalization of proceeds from criminal activity and financing of terrorism in any way, as well as in other cases provided for by the legislation of the Republic of Uzbekistan, the Operator has the right to block use of the Service unilaterally temporarily until the circumstances are clarified, or terminate this Agreement at any time by sending a corresponding notice to any address of the Service User known to the Operator and (or) to the relevant Service Interface.
7.3. The User of the Service undertakes to:
7.3.1. Use the Service in the manner specified in this Agreement.
7.3.2. Monitor messages for Service Users published by the Operator in the relevant Service Interfaces. Follow the requirements contained in these messages.
7.3.3. Not to transfer to third parties his personal data and/or other details and data that provide access to the Service (hereinafter referred to as the "Details for access to the Service").
7.3.4. Take the necessary organizational and technical measures to prevent illegal seizure and use by third parties of the Details for access to the Service.
7.3.5. Notify immediately the Operator of facts or suspicions regarding the illegal use of the Details for access to the Service by third parties, including in case of loss (loss, theft or other method of loss) of access to the mobile phone number to which the Service is connected.
7.3.6. Not to carry out illegal financial transactions, illegal trade, operations aimed at laundering proceeds of crime or financing terrorism, or other actions prohibited by law through the Service.
7.3.7. Not to use the Service to make transactions aimed at systematic making a profit or concealing income.

8. LIABILITY OF THE PARTIES

8.1. The Parties shall be liable for failure to fulfill their obligations under this Agreement.
8.2. The User of the Service shall be solely responsible for the correctness of the information specified in the instruction to make Payments/Transfers through the relevant Interface of the Service and shall not be entitled to make any claims against the Service Operator in connection with the improper performance by the Service Operator of its obligations under this Agreement, in case of indication of erroneous data in the instruction to make Payments/Transfers. In case of incorrectness of the relevant information, the funds debited from the initiator of the Payment/Transfer are not refundable.
8.3. The payment order is considered received from the User, containing the User’s will until the System Operator receives from the User a statement about the loss of access to the mobile phone number to which the Service is connected.
8.4. The User shall not be entitled to submit a claim to the Operator for the return of Payments/Transfers made using the Service in case of loss of access to the mobile phone number to which the Service is connected before the Operator receives a statement from the User about its loss.
8.5. The User bears the risks and responsibility for any actions of third parties performed on behalf of the User from the User's mobile phone number to which the Service is connected, as well as with the help of applications and programs installed on his mobile device or using his Details for access to the Service.
8.6. In case of loss, theft or in other cases when the User does not have access to the mobile (subscriber) phone number to which the Service is connected, the User shall bear all risks and responsibility for any actions of third parties related to the use of the Service by third parties, up to the moment the Operator receives a statement from the User about the loss of access to this number in accordance with clause 3.5 of this Agreement.
8.7. The Operator shall not be liable to the User for delays and interruptions in the operation of technical platforms and transport networks or communication networks, the occurrence of which is not the fault of the Operator.
8.8. The Operator shall not be liable for damage of any kind incurred by the User due to the disclosure by the User of his/her Details for access to the Service and (or) other personal data.
8.9. The Operator shall not be liable for the quality of the Services provided to the User by the Providers, as well as for the obligations of the Providers to the Users arising in the process and in connection with the provision to the Users of the Services purchased by the User from such Providers.
8.10. The User is responsible for all operations carried out by him/her in the Service.
8.11. The Operator is released completely from liability for complete or partial failure to fulfill its obligations under this Agreement if the failure or improper performance is a consequence of force majeure circumstances (force majeure) resulting from extraordinary circumstances that the party could neither foresee nor prevent by reasonable measures. Such extraordinary circumstances include: natural disasters, accidents, floods, earthquakes, epidemics, fires, riots, strikes, revolutions, military actions, the entry into force of legislative acts, government regulations and orders of state bodies that directly or indirectly prohibit specified in this Contract types of activities; circumstances related to the malfunction/failure of the payment system, actions aimed at seizing control of local or server equipment supporting the system, refusal to service a computer network serving the system, destabilization of the computer network that supports the system, hacker attacks on the system, infiltration malicious software, software hacking, ddos attacks (deliberate attacks by third parties aimed at making payments through the system), as well as any other circumstances beyond the reasonable control of the parties that prevent the fulfillment of obligations under this Agreement.

​
8.12. The operator is not responsible for the quality of operation of communication lines provided by other organizations and for the performance of equipment of others that does not belong to it, including transit nodes of data transmission networks owned by other organizations.

9. TERM AND PROCEDURE FOR TERMINATION OF THE AGREEMENT

9.1. This Agreement shall enter into force at the moment of acceptance of the Public Offer by an individual and shall be valid until the Parties fulfill fully their obligations under this Agreement.
9.2. The User has the right to refuse to fulfill this Agreement at any time by removing himself from the Service in accordance with the functionality available in the Service Interfaces.
9.3. Termination of this Agreement does not mean the termination of the Contracts for paid services within the Service, if such services have been activated.
9.4. This Agreement may be terminated unilaterally by the Operator in accordance with the terms and conditions specified in this Agreement.

10. FINAL PROVISIONS

10.1. All disputes that may arise under this Agreement shall be resolved through negotiations. In case of failure to reach an agreement through negotiations, the parties shall resolve their disagreements in court in accordance with the current legislation of the Republic of Uzbekistan.
10.2. All issues not regulated by this Agreement shall be resolved in accordance with the current legislation of the Republic of Uzbekistan.

11. DETAILS OF THE SERVICE OPERATOR

Payment organization LLC "CLICK"

Legal address: Tashkent city, Bratislava street, house 11

Bank details: a/c 2020 8000 8049 4271 3001

at JSCB "Asia Alliance Bank", Shaikhantaur branch

MFO 01095

TIN 302 134 733

License of the Central Bank of the Republic of Uzbekistan No. 1 dated 28.03.2020.

FEATURES OF PROVIDING PAYMENT MONITORING SERVICE

1. The Operator provides the Users of the Service with the opportunity to use Payment Monitoring Service, with the help of which the User can obtain information about all transactions made using the Card connected to the Service and view the statistics of expenses/receipts, as well as perform other actions provided for by the functionality of Payment Monitoring Service.
2. "Payment Monitoring" service operates within the interfaces of click™ Service and is available only to the Users of the Service.
3. Consent to the terms and conditions of Payment Monitoring Service, and, accordingly, acceptance of the terms and conditions of this Agreement, are carried out by activating this Service by the User through the Web Interface or through the Telegram bot of click™ Service. At the same time, currently, this service is available only within the interfaces specified in this clause.
4. In the event that other User's Cards are connected to click™ Service, Payment Monitoring Service is provided only for the Card activated by the User. In order to activate this Service for other Cards connected to click™ Service, the User must indicate this circumstance in the appropriate section of Click™ Service Interface.
5. The cost of "Payment Monitoring" Service for Users is set in the amount of one thousand (1000) soums of the Republic of Uzbekistan per month for each Card connected to this Service.
6. Funds are debited automatically from the User's Card connected to the Payment Monitoring Service. In the future, debiting occurs in prepayment mode every first day of the calendar month. The fee for using this Service in the first calendar month is charged in full, regardless of the date on which the Payment Monitoring Service was activated. At the same time, the Payment Monitoring Service provides the opportunity to obtain information about all transactions made using only the Card that was connected to this Service over the last twelve (12) months.
7. Debiting is made directly from the User's Card connected to Payment Monitoring Service.
8. Funds are debited only if there are enough funds on the Card connected to Payment Monitoring Service for debiting.

If there are insufficient funds on this Card, "Payment Monitoring" Service is deactivated.

Payment Monitoring service is resumed in the manner specified in Section 5 of this Agreement. In this case, the fee is charged for the current period (from the moment of activation of Payment Monitoring Service for the User) and does not include the period of suspension of this due to the lack of funds necessary to pay for the Service.

9. The User has the right to cancel the Payment Monitoring Service at any time by disabling this Service in the relevant Interface of click™ Service. At the same time, the amount withdrawn from the User's Card as an advance payment for the current period is non-refundable
10. Automatic disconnection of the Service is carried out due to the absence (insufficiency) of funds on the Card in accordance with clause 5.4 of this Agreement.
11. If the User disconnects from click™ Service, Payment Monitoring Service will not be disabled automatically. Disconnection from the Payment Monitoring Service is carried out only in click™ Service Interfaces or by sending a written request to the address specified in this Agreement.

FEATURES OF "ELECTRONIC RECEIPT" SERVICE

1. The Operator provides the Users of click™ Service (hereinafter referred to as the Service) with the opportunity to use "Electronic Receipt" Service (hereinafter referred to as the Service), with the help of which the User can receive information about Payments made in favor of the Utility Providers and or in favor of other Providers available within the functionality of the Service.
2. The service can be provided in the form of:

- an electronic receipt displayed in the Interfaces of the click Service with the stamp of LLC "CLICK" confirming that the payment was made indeed successfully through click™ System;

- a paper receipt with a stamp of CLICK LLC, confirming that the payment was made indeed successfully through click™ System. Such a receipt shall be sent to the User by mail.

Contents of receipts issued by click™ System, regardless of the method of submission:

1. a) Payment Amount;
2. b) transaction identification numbers in click™ System and with the Provider;
3. c) Date and time of the transaction;
4. d) details of the Payment/Transfer (purpose of payment, services for which the Payment was made, or);
5. e) other data provided by the functionality of this Service or by the Provider.
6. "Electronic Receipt" service operates within the framework of the Interfaces of click™ Service and is available only to the Users of the Service.
7. The Operator has the right to set a certain fee for the Paper Receipt Delivery Service, the amount and procedure for charging which is specified in the relevant Service Interface.
8. To receive a paper receipt, the User selects (“orders”) the appropriate section in the Telegram-bot Service Interface (@clickuz), fills out the necessary data (form) for delivery of a paper receipt to a specific address (if applicable) and pays for this Service (if an appropriate fee is provided ) in the amount and in the manner specified in the Service Interface.
9. Consent to the terms and conditions of "Electronic Receipt" Service, and, accordingly, acceptance of the terms and conditions of this Agreement, are carried out by confirming the payment for this Service (if it is provided for in the functionality of this Service) through the Web Interface or through the Telegram bot of click™ Service, or by paying the invoice via USSD, or by other confirmation of receipt of this Service, if payment for this Service is not provided. At the same time, currently, this Service is available only within the framework of the Interfaces specified in this clause.
10. After debiting funds from the User or receiving another Confirmation of the “order” of this Service for the delivery of a paper receipt, no later than five (5) working days, the Operator undertakes to print, put his stamp and transfer to the appropriate branch of JSC “Uzbekistan Post” (AJ “O'zbekiston pochtasi") a receipt for its subsequent delivery by “registered mail” to the address specified by the User when “ordering” the receipt. Next, you can track the delivery/dispatch status of the “ordered” receipt in the corresponding Service Interface. In this case, the Operator is responsible only for the transfer of the corresponding receipt to the post office, respectively, when indicating the delivery/dispatch status in the Service Interfaces, the statuses indicated after transfer of the “ordered” receipt reflect the data received by the Operator from Uzbekistan Post JSC.
11. The operator is not responsible for the timing and fact of delivery of the “ordered” receipt by Uzbekistan Post JSC. In case of non-delivery or late delivery of the “ordered” receipt, all claims are sent to Uzbekistan Post JSC.

FEATURES OF PROVIDING “click™ premium” SERVICE

1. The Operator provides the Users of the Service with the opportunity to use "click™ premium" Service (hereinafter referred to as the Service), the connection of which allows the User to access additional features, such as:*[1]:

 - double cashback for all types of payments;

- increased cashback for payments to mobile operators up to 5%;

-  transfers without charging a fee from card to card (P2P transfers);

- access to the functionality click premium support.

2. The Service operates within the interfaces of click™ Service (hereinafter referred to as the Service) and is available only to users of the Service.
3. Consent to the terms of the Service, and, accordingly, acceptance of the terms of this Agreement, are carried out by activating this Service by the User through the Service Interfaces.
4. The cost of the Service for the Users of the Service is fifty thousand (50,000) soums of the Republic of Uzbekistan.
5. The service is provided for a period of thirty (30) calendar days.
6. Funds are debited automatically in the following order:
7. a) payment upon the first activation of the Service is made at the User's choice in the Service Interfaces.
8. b) subsequent debiting of funds is made from the User's E-Wallet, or in accordance with section 5 of this Agreement.
9. The "Double Cashback for Payments" service does not apply to services for which cashback is not accrued, and is not combined with promotions of Big Cashback and (or) co-branded Cards of the Service.
10. Money transfers (P2P transfers) within the service are free of charge, without charging commissions.

8.1. The amount of the limit for free transfers from Card to Card within the framework of the Service is ten million (10,000,000) soums of the Republic of Uzbekistan for thirty (30) calendar days.

8.2. After depletion of the limit specified in clause 8.1 of this Agreement, a commission will be charged for transfers in the amount, in the manner and on the terms provided for in the relevant offer of the bank that issued the Card from which the Transfer was initiated.

8.3. When using the "Free Card-to-Card Transfers" (P2P transfers) service, cashback is not accrued.

8.4. In cases when the Service User reaches the sum of transfer amount within the limit of nine million nine hundred thousand (9,900,000) soums of the Republic of Uzbekistan, for subsequent transfers over one hundred thousand (100,000) soums of the Republic of Uzbekistan, a 1% commission of the transaction amount is charged.

9. Disabling the Service is carried out automatically due to the lack (insufficient) funds in accordance with Section 5 of this Agreement and (or) disabling the automatic renewal of this Service by the User in the corresponding interface of the Service. In this case, the Service will be valid until the last day of the paid period and no recalculation will be made. When the application is deleted, the Service does not cease to operate.

[1] * The list of additional features given in this Agreement is for informational purposes only and may be changed by the Operator without mandatory prior notice to the User by posting the relevant information in the Interfaces of click™ Service.

FEATURES OF "CLICK™ Boom" FUNCTIONALITY

1. The Operator provides the Users of click Service with the opportunity to use the functionality of "click Boom" service, provided that "click™ premium" is activated. The functionality of "click™ Boom" Service allows sending and/or receiving money transfers (P2P transfers) via Bluetooth wireless data transmission.
2. The sender of funds within "click Boom" functionality is the User of click™ mobile application, who initiates the transfer of funds. The initiator can initiate the transfer of funds through "click Boom" service, only if there is "click™ premium".
3. Recipient of funds within the framework of “click™ Boom” functionality – User of click™ mobile application who receives money transfer from the initiator within the framework of “click™ Boom” service. To receive funds through “click™ Boom” service, “click™ premium” is not required.

Disabling “click™ Boom” Service is possible by disabling “click™ premium” Service and/or by disabling this Service in the corresponding click™ Service Interface. 

FEATURES OF MAKING A TRANSFER WITHIN THE FRAMEWORK OF THE SERVICE

1. When making a Transfer from one Card to another, the User shall be charged the appropriate commission in the amounts, in the manner and on the terms provided for in the relevant offer of the bank that issued the card from which the Transfer was initiated. Such commission shall be withheld in excess of the amount of the Transfer, in the amount specified in the relevant Service Interface.

At the same time, the bank that issued the Card may impose restrictions on the frequency and (or) amount of Transfers, the procedure and conditions of which are specified in the relevant offer of the bank.

2. Confirmation of the Transfer is a full and unconditional acceptance by the User of the terms of this Agreement and the offer of the bank that issued the card from which the Transfer was initiated.
3. If there are insufficient funds on the User's Card to make a Transfer, taking into account the bank's commission, such a Transfer will not be made.

FEATURES OF PROVIDING “PAYMENT BY DETAILS” SERVICE

1. The Operator provides the Users of click™ Service with the opportunity to use "Payment by details" Service.
   2. In order to make payment using the details, the User enters the following necessary data to make payment:

MFO of the organization bank;

Current account;

Name of the recipient;

Purpose of payment and amount of payment.

After entering the specified data and clicking "pay" button, the money is withdrawn from the Card.

3. When making a transfer using the details, the User pays a commission fee of 1% of the payment amount.
4. Making initiated payment to the Recipient's current account may take from several minutes to seventy-two (72) hours, depending on the capabilities of the Recipient's bank.

After the payment is made to the Recipient's bank account, the payment status will change to “Successfully completed”.

5. After the successful transfer of funds to the current account, a receipt becomes available to the User, which can be downloaded or ordered in paper form through the Telegram-bot @clickuz or personal account on website my.click.uz.
6. Cancellation of payment with the status “In Processing” is carried out only if the bank through which this payment is made is technically capable.
7. Cancellation of a payment with the status “Successfully completed” (that is, the funds have already been sent to the Recipient’s current account) is carried out by the bank by transferring funds to the User’s plastic Card, after the Recipient of the funds transfers the received funds to the transit account of the bank that carried out this payment. At the same time, the User regulates independently issues with the Recipient of funds regarding the return of funds to the bank’s transit account.
8. Paid commission for canceled payments is non-refundable.

 FEATURES OF PROVIDING “MY CAR” SERVICE

1. The Operator provides the Users of the Service with the opportunity to use "My Car" Service, with the help of which the User can obtain information[1] about the car, about vehicle insurance, about the installed tinting (darkening) on the car windows, about fines and violations of traffic rules of the Republic of Uzbekistan, as well as to perform other actions provided for by the functionality of My Car Service.
2. With the help of the "My Vehicle" service, you can:

Receive a notification about the expiration of the current insurance policy and issue a new insurance policy for your own or other vehicles;

Get access to the price catalog for various car brands in the domestic market;

3. "My Car" service operates within the interfaces of click™ Service and is available only to the Users of the Service.
4. Consent to the terms and conditions of "My Car" Service, and, accordingly, acceptance of the terms and conditions of this Agreement, are carried out by activating this Service by the User through the interfaces of click™ Service.
5. By accepting the terms of this Agreement in accordance with the requirements of the legislation of the Republic of Uzbekistan “On Personal Data”, the User gives unlimited consent to the processing of his personal data in the manner and under the conditions specified in the Policy on the Protection and Processing of Personal Data posted on the Operator’s Internet resource.
6. In accordance with clauses 4 and 5 of this Agreement, the Operator has the right to:

Request vehicle data through the services of the State Institution "E-Government Project Management Center" (e-gov.uz).

Monitor the validity period of the motor vehicle insurance policy and send a notification to the User about the expiration of the period.

Transfer the User's personal data to third parties in order to provide My Car Service.

Carry out other actions aimed at fulfilling the terms of this Agreement, which do not contradict the legislation of the Republic of Uzbekistan.

7. When activating the Service, data about the vehicle of the identified User is generated automatically. In order to add a vehicle to "My Car" functionality, an unidentified User must enter the vehicle data manually.
8. The User is not charged for the use of "My Car" service.
9. The User has the right to cancel the My Car Service at any time by deactivating this Service in the relevant Interface of click™ Service.

 [1] The information provided within the framework of the Service is for informational purposes only and is not an official document with legal force.

FEATURES OF THE PROVISION OF "MY FAMILY" SERVICES

1. The Operator provides the Users of the Service with the opportunity to use "My Family" Service, with the help of which the User can add family members to this product and use the benefits provided within this product.
2. T"My Family" service operates within the interfaces of click™ Service and is available only to the Users of this Service.
3. Consent to the terms of "My Family" Service, and, accordingly, the acceptance of the terms of this Offer, are carried out by activating this Service by the User through the interfaces of click™ Service.
4. After accepting the public offer, the User has the opportunity to add both confirmed relatives and other persons. Relatives may be or may not be users of click™ service. But in order to make transfers on a preferential basis in “My Family” System, they must be Users of click™ Service and a user of “My Family” service.
5. With the consent of the User, to confirm the relationship, a request is made to the Unified Portal of Interactive Government Services (e-gov) to obtain birth, marriage, death and divorce certificates.
6. Click™ system can only confirm the following family ties:

1. • Parents
   • Spouses
   • Children

Brothers/Sisters

7. When adding confirmed relatives, the User is given the opportunity to:

1. • create payments (saved or auto-payments) to relatives
   • see the history of payments within a relative
     When adding a child to the product, the User can set an order and a task for the child, upon completion and confirmation of which he/she is provided with a reward in the amount established by the parents in "Click Start" system.

8. Parents or legal representatives of the user are fully responsible for using the “Click Start” system and making transfers/payments/other types of payment, as well as completing instructions and tasks. The operator is not responsible for the actions of Click Start users.

9. In addition, all users in "My Family" product are provided with a total limit of one hundred million (100,000,000) soums for 30 days with commission of 0% for P2P transfers only within the framework of confirmed connections and all remaining limits are not transferred and are not summed up with new monthly limits, and if the connection is not confirmed, then the commission will be charged in accordance with Click Up tariffs. If the transfer amount is less than or equal to the monthly balance of the limits, the fee is charged at the rate of 0%, and if the amount is exceeded, then the commission is in accordance with Click Up tariffs.

10. In the event that the User uses "click premium" service together with "My Family" service, the priority is given to "My Family" product limits over "Click premium" product limits, and thus the transfers are made without using the “click premium” limits.

1. Transfers, with 0% in accordance with “My Family” limit, work only in the interface of "My Family" system and are not available in "Click Up" interface.