Chat&Pay uses Telegram API, so for more information, please read Telegram's Privacy Policy .
By using the mobile application "Chat&Pay" (hereinafter referred to as the Application), which is an alternative project (fork) of the Telegram messenger, operating on the basis of the open Telegram API and having additional functional capabilities and design elements, the user (hereinafter referred to as the User) accepts this Agreement (hereinafter referred to as the Agreement), which regulates the rules for using the Application, the procedure for purchasing paid services in the Application, the responsibility of the parties and other relations related to the use of the Application.
Due to the feature of the Application and the direct relationship with the servers and the Telegram equipment, the User accepts as a fact, and the Rightholder responsibly declares that it does not store, does not intend to store in the future, and does not process the personal data of the Application Users. All personal information of Users is transmitted and processed on servers and equipment of Telegram.
Tashkent " 27" May 2024 This Public Policy (hereinafter referred to as the "Policy") is an official public offer addressed to individuals by JSC "IT UNISOFT GROUP", which has the appropriate license of the Central Bank of the Republic of Uzbekistan " No. 56 dated April 4, 2023", having the right to provide payment services, including the 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 systems" (hereinafter referred to as the "Service Operator" or "Operator", depending on the context) to conclude an Agreement on the provision of payment services under the "Chat&Pay" trademark (hereinafter referred to as the "Service "Chat&Pay" or "Service", depending on the context).
The performance of the actions specified in the Policy is an unconditional and unconditional confirmation of the consent (acceptance) of an individual to conclude a Service Agreement on the terms, in the manner and to the extent set out in the Policy (hereinafter referred to as the “Agreement”).
Payment service "Chat&Pay" - a software product, the exclusive copyright holder of which is the Joint-Stock Company "IT UNISOFT GROUP", allowing banks of the Republic of Uzbekistan to provide a remote account management service, and the Users of the Service, among other things, the ability to pay for the Services of Providers, make Transfers to other cards and perform other actions within the available functionality of the Service remotely online at any time.
User - a legally capable individual who is simultaneously a client of a bank(s) of the Republic of Uzbekistan (an individual cardholder who has connected to the Chat&Pay Service on the basis of a relevant agreement with the bank or on the basis of the Agreement), who has performed actions aimed at concluding the Agreement by accepting the terms of the Offer.
Service Operator/Operator — JSC IT UNISOFT GROUP, which is the owner of a set of software, hardware, organizational and legal means that ensures technical and information interaction when the User makes payments/transfers and other transactions using the Service that are not prohibited by the legislation of the Republic of Uzbekistan.
Bank card – a non-cash payment instrument, which is an electronic means of payment, intended for the cardholder to carry out transactions with funds in his account.
Personal data — information related to a specific individual or enabling his/her identification, provided by the User for the use of the Service.
2.1. Acceptance of this Offer is carried out by registering the User in the Payment Service "Chat&Pay". The Payment Service is available on Android platforms.
2.2. By concluding this Agreement, the User provides JSC "IT UNISOFT GROUP", in accordance with the requirements of the legislation on personal data, with an unlimited consent to the processing of his personal data (including, but not excluding: payment credentials, mobile phone number, bank card numbers, full name, registration data, as well as any other personal data necessary for the use of the services available in the Payment Service "Chat&Pay"), including collection, recording, systematization, accumulation, storage, clarification (updating, modification), retrieval, use, transfer (distribution, provision, access), depersonalization, blocking, deletion, destruction of personal data performed with the use of automation tools or without the use of such tools, for the purpose of executing this Agreement. The User hereby also consents to the transfer of any personal data provided by him to JSC "IT UNISOFT GROUP" under this Agreement to third parties for the purpose of executing this Agreement.
2.3. JSC "IT UNISOFT GROUP"guarantees the User the adoption of all necessary measures to ensure the confidentiality of the User's personal data in accordance with the requirements of the current legislation of the Republic of Uzbekistan and the Privacy Policy of personal data. The User's consent to the processing (including the transfer to third parties) of his personal data is indefinite, and consent to the processing of personal data may be revoked by the User at any time, in accordance with clause 6.3 of this Agreement.
2.4. By accepting this Offer (concluding this Agreement), the User agrees to the proper verification and identification of his identity by JSC "IT UNISOFT GROUP" when using services and services provided by third parties (organizations) in the "Chat&Pay" Payment Service, in cases where such verification and identification are necessary in accordance with the rules, instructions and other regulatory/departmental local acts of these third parties (organizations).
2.5. The User accepts that "Chat&Pay" will use the technology of cookies and other technologies developed by "Chat&Pay" to connect the User's web browser with the User's Account Data in the "Chat&Pay" Service and subsequent recognition in the event of further access to services on the websites of Recipients connected to the "Chat&Pay" Service.
2.6. Before using the Chat&Pay Service, you must fully read the text of this Offer. If you do not agree with the terms of the Offer as a whole or any part of it, you should refrain from using the Chat&Pay Service.
3.1. According to the offer, the Chat&Pay Service provides Users with the opportunity to make Payments for Suppliers' Services online, manage their Cards, view information about the balance of cards linked to the Service, receive/send funds from one card to another card online, and also perform other operations and receive other services provided by the functionality of the Service.
3.2. The use of the Chat&Pay Service for Users is free of charge. The Chat&Pay payment service may contain services that may be provided to Users on a paid basis. Activation of such services is performed by the User independently, at his/her own discretion, after reviewing the public offer, which specifies the description of the service, terms of its provision, cost of use and other information.
3.3. The processing of personal data provided by the User "Chat&Pay" is carried out for the purpose of: - Proper fulfillment of the obligations of "Chat&Pay" accepted within the framework of concluded agreements\contracts with the User, as well as agreements concluded with "Chat&Pay" Partners, including for the purpose of identification/simplified identification of the User, providing the User with the opportunity to use all available "Chat&Pay" services; - Communications. Communication with the User, including sending notifications, requests and information regarding the use of "Chat&Pay" Services/provision of "Chat&Pay" services, as well as processing requests and applications from the User, including with the subsequent transfer of such requests and applications for execution to counterparties\partners "Chat&Pay", improving the quality of "Chat&Pay" Services, their ease of use, developing new "Chat&Pay" Services, offering the User personalized "Chat&Pay" Services; - Conducting statistical and other research based on anonymized data; - Conducting marketing campaigns for Users, including for the purpose of distributing offers to participate in campaigns initiated by "Chat&Pay" together with Partners/counterparties and receiving prizes/rewards provided for by the campaign; - Distribution of advertising and information materials via telecommunication networks, including by using telephone, fax, mobile radiotelephone communications, or by direct contacts; - Targeting advertising materials and other information brought to the attention of Clients. Prevention of conditions that facilitate the use of the "Chat&Pay" Payment Service of actions that contradict the requirements of the law or agreements.
3.4. By clicking on the interface of the Payment Service "Chat&Pay" the corresponding buttons ("transfer", "pay", etc.) is the User's order in accordance with the Law of the Republic of Uzbekistan "On payments and payment systems", as well as consent to write off from the User the amount of remuneration by the Payment JSC "IT UNISOFT GROUP" in the amount specified in the corresponding window of the Service interface.
3.5. JSC "IT UNISOFT GROUP" can implement in the Payment service "Chat&Pay" a service for the implementation, based on the order of the User, of regular automatic (periodic, recurring) payments for certain types of goods, works, services. In this case, connecting the service by clicking on the corresponding button in the interface of the Payment service "Chat&Pay" is an order of the User in accordance with the Law of the Republic of Uzbekistan "On payments and payment systems" for periodic (future) write-offs of funds in favor of the Supplier specified by the User on the date specified by him or on the last day of the month or upon the occurrence of a certain event (reaching the balance below a certain amount/level).
3.6. You can disable the service for making payments specified in paragraph 3.5 of this Offer by clicking the corresponding buttons in the interface of the Payment Service "Chat&Pay".
4.1. Operator: - undertakes to ensure the uninterrupted operation of the Payment Service "Chat&Pay", except for cases when failures in the operation of the Service occur due to the fault of third parties; - undertakes to take legal, organizational and technical measures to protect personal data, ensure the integrity and security of personal data, maintain the confidentiality of personal data, prevent illegal processing of personal data; - undertakes to promptly notify the User of news from "Chat&Pay", "Chat&Pay" Partners acting as suppliers of goods and services/works, payments for which are available to Users in the Payment Service, as well as about changes and updates introduced into the Payment Service. - has the right to receive information from the User regarding identification and proper verification of the User and the transactions performed by him in order to comply with the legislation of the Republic of Uzbekistan on combating the legalization of proceeds from criminal activity, terrorist financing and the financing of the proliferation of weapons of mass destruction. - has the right to demand from the client information about the sources of funds used in the transaction.
4.2. The User: - undertakes to comply with the requirements of this Offer; - undertakes to independently ensure the information security of the device through which access to the Service is provided; - by using the "Chat&Pay" Service, confirms and guarantees that he is legally capable and does not intend to use the "Chat&Pay" Service for any fraudulent or other illegal purposes; - take the necessary organizational and technical measures to prevent the illegal seizure and use of the Details for access to the Service by third parties. - assumes full responsibility for the transfer of any information related to providing third parties with access to their personal account in the "Chat&Pay" Payment Service, including codes for confirming transactions performed, mobile phone number, numbers and expiration dates of bank cards; - not to carry out illegal financial transactions, illegal trade, transactions aimed at legalizing proceeds from crime or financing terrorism, or other actions prohibited by law through the Service; - not to use the Service to carry out transactions aimed at systematically extracting profit or concealing income.
4.3. Refuse the User of the Service to perform a transaction within the Service if such action and (or) inaction will result in a violation by the Operator of the legislation of the Republic of Uzbekistan and (or) the Offer.
4.4. In case of violation by the Service User of the terms of the Offer and (or) the requirements of the current legislation of the Republic of Uzbekistan and (or) in case of suspicion that the Service User is in any way involved in fraudulent transactions and (or) transactions to legalize proceeds from criminal activity and finance terrorism, as well as in other cases provided for by the legislation of the Republic of Uzbekistan, the Operator has the right to unilaterally temporarily block the use of the Service until the circumstances are clarified or terminate the Agreement at any time by sending a corresponding notice to any address known to the Operator of the Service User and (or) to the corresponding Service Interface.
5.1. The Parties shall be liable for failure to perform or improper performance of the terms of this Agreement in accordance with the legislation of the Republic of Uzbekistan.
5.2. The Service User shall bear full responsibility for the correctness of the information specified in the order to make Payments/Transfers through the relevant Service Interface and shall not have the right to make any claims against the Service Operator in connection with the improper performance by the Service Operator of its obligations under the Agreement, in the event of erroneous data specified in the order to make Payments/Transfers. In the event of incorrect specification of the relevant information, the funds debited from the initiator of the Payment/Transfer are not subject to return.
5.3. The payment order is considered to be received from the User, containing the User's expression of will until the moment 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.
5.4. The User has no right to make a claim to the Operator for the return of Payments/Transfers made using the Service in the event of loss of access to the mobile phone number to which the Service is connected until the Operator receives a statement from the User about its loss.
5.5. The User bears the risks and responsibility for any actions of third parties performed on behalf of the User from the number of his mobile phone to which the Service is connected, as well as using applications and programs installed on his mobile device or using his Details for accessing the Service.
5.6. In the event of loss, theft or in other cases of the User's lack of access to the mobile (subscriber) telephone number to which the Service is connected, the User bears all risks and responsibility for any actions of third parties related to the use of the Service by third parties, until the Operator receives from the User a statement of loss of access to this number in accordance with paragraph 3.1 of the Offer. A statement of loss of access to this number is sent in writing with a copy of the User's identity document (ID card or biometric passport of a citizen of Uzbekistan) and the agreement with the mobile operator via e-mail or by sending a letter by mail.
5.7. 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.
5.8. The Operator shall not be liable for any damage incurred by the User due to the User disclosing his/her Details for accessing the Service and/or other personal data.
5.9. The Operator shall not be liable for the quality of the Services provided to the User by the Suppliers, as well as for the obligations of the Suppliers to the Users arising in the process of and in connection with the provision to the Users of the Services purchased by the User from such Suppliers.
5.10. The User is responsible for all operations carried out by him in the Service.
5.11. The Operator is fully exempted from liability for full or partial failure to fulfill its obligations under the Agreement if the failure to fulfill or improper fulfillment is a consequence of force majeure circumstances arising as a result of extraordinary circumstances that the party could neither foresee nor prevent by reasonable measures. Such extraordinary circumstances include: natural disasters, accidents, floods, earthquakes, epidemics, fires, mass riots, strikes, revolutions, military actions, entry into force of legislative acts, government regulations and orders of state bodies that directly or indirectly prohibit the types of activities specified in the Offer; circumstances related to the failure/malfunction of the payment system, actions aimed at seizing control over local or server equipment supporting the system, denial of service and the computer network servicing the system, destabilization of the computer network that supports the system, hacker attacks on the system, introduction of malicious software, software cracking, 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 the Agreement.
5.12. The operator is not responsible for the quality of the communication lines provided by other organizations and for the operability of other equipment that does not belong to it, including transit nodes of data transmission networks belonging to other organizations.
5.13. The Operator shall not be held liable for the fact that Users have become familiar with this Public Offer and all appendices thereto.
5.14. The Operator shall not be liable for any consequences arising from the Client's clicking on links posted in social networks or SMS messages, as well as for actions related to the Client's provision of an access code to third parties. In the event of unauthorized access to the Client's account arising from the above actions, the Operator shall not be liable for any losses or damage caused to the Client.
6.1. This Offer shall enter into force at the moment of acceptance by an individual of the Offer and shall remain in effect until the Parties have fully fulfilled their obligations under the Offer.
6.2. The Offer may be terminated by the Operator unilaterally in accordance with the terms and conditions specified in the Offer.
6.3. The User has the right to refuse to execute the Offer at any time by logging out of the Service in accordance with the functionality available in the Service Interfaces.
6.4. Termination of the Offer does not mean termination of the Agreements for paid services within the Service, if such services have been activated.
6.5. The User has the right to revoke consent to the processing of personal data by sending an email to the address specified in Section 9 of the Agreement.
7.1. Any dispute arising from this Agreement shall be resolved peacefully or in a claim procedure based on a written request from the User. The period for consideration of the request and the requirements for its content are determined by the current legislation of the Republic of Uzbekistan.
7.2. If the dispute that has arisen is not resolved in the claim procedure, it shall be considered in a subordinate court at the location of the Operator in accordance with the procedure provided for by the current legislation of the Republic of Uzbekistan.
7.3. Claims handling with Users and technical support services are provided to Users exclusively by receiving requests, processing them and sending responses to received requests. User requests are accepted by e-mail or by phone specified in Section 9 of the Agreement.
8.1. In all matters not expressly provided for by the Agreement, the parties shall be guided by the current legislation of the Republic of Uzbekistan and business customs.
8.2. By accepting this Offer, the User confirms his/her unconditional consent to all terms of the Agreement and undertakes to comply with it.
JSC «IT UNISOFT GROUP»
Address: Tashkent, Mirabad district,
R/s: 2020 8000 4051 4637 3001
In Tashkent branch of JSCB Universal Bank
INN: 306 838 004
MFO: 00996
OKED: 62010