General Terms for the Provision of Payment Services

Approved by Order No. 3-P dated July 24, 2025

JSC "Choykhona"

General Terms and Conditions for the Provision of Payment Services by JSC "CHOYKHONA"

These General Terms and Conditions for the Provision of Payment Services (hereinafter referred to as the "General Terms") establish the uniform rules and procedure for the provision of payment services by the Payment Organization JSC "CHOYKHONA" (hereinafter referred to as the "Payment Organization") to legal entities, individual entrepreneurs, and self-employed individuals (merchants) concluding an agreement for the provision of payment services (hereinafter referred to as the "Agreement") with the Payment Organization.

TERMS AND DEFINITIONS

1.1. Merchant

-a legal entity, individual entrepreneur, or self-employed individual registered in accordance with the procedure established by the legislation of the Republic of Uzbekistan, specified in the Special Conditions of the Agreement, concluding the Agreement with the Payment Organization, and acting as the recipient of funds and (or) electronic money from the Payer for goods sold (works performed, services rendered), including via the Internet.

1.2. Payment Organization

-JSC "CHOYKHONA", TIN 307 347 685, Address: 32A Shota Rustaveli St., Tashkent, 100070, license of the Central Bank of the Republic of Uzbekistan No. 19 dated July 9, 2024, holding the right to provide payment services, including services for the receipt and processing of payments made 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 "Law"). Within the framework of providing services for the receipt and processing of payments made using electronic money, the Payment Organization also acts as the Electronic Money System Operator.

1.3. IWON System (System)

-a complex of hardware and software, connection channels, and other technological infrastructure allowing Payers to transmit electronic orders to manage their account for the purpose of making Payments in favor of the Merchant, as well as allowing the Merchant to maintain records of Payments received in its address via the Internet.

1.4. Copyright Holder of the IWON System

-JSC "CHOYKHONA", possessing exclusive property rights to the IWON System in accordance with the legislation of the Republic of Uzbekistan.

1.5. "Merchant" Module of the IWON System ("Merchant" Module)

-a module of the IWON System allowing the Payment Organization to receive information on the status of a processed payment in electronic form in real-time.

1.6. Payer

-a physical person who has opened a bank deposit account with a Bank and/or a holder of an online plastic card and/or an electronic wallet.

1.7. Participants

-the Payer, the Bank, the Merchant, and the Payment Organization.

1.8. Billing (Accounting) System

-the Merchant's software suite designed for accounting for goods/services/works of the Merchant provided to Payers, their tariffing, invoicing for payment, and offsetting incoming payments.

1.9. Payment

-funds in the national currency of the Republic of Uzbekistan and/or electronic money denominated in the national currency of the Republic of Uzbekistan paid by the Payer in favor of the Merchant. A Payment is created through the generation of an electronic message by the IWON System, which allows the identification of its sender, on the basis of which the Bank debits funds from the Payer's account.

1.10. Remuneration

-means the fee for successfully processed Payments charged by the Payment Organization for the services rendered under the Agreement, the amount of which is agreed upon by the parties in the Special Conditions of the Agreement.

1.11. Reporting Period

-each consecutive calendar month of the year. The first day of the month is the beginning of the Reporting Period, and the last day of the month is the end of the Reporting Period.

1.12. Website of the Payment Organization

-the website hosted on the Internet at the address: www.iwon.uz, containing information about the system and the terms and conditions of its use.

1.13. Authorization

-the permission of a Merchant possessing a billing system to process a payment by the Payment Organization.

1.14. Electronic Money

-an unconditional and irrevocable monetary obligation of the Payment Organization based on an agreement concluded with the electronic money issuing bank, stored in electronic form and accepted as a means of Payment in the iWON Electronic Money System.

1.15. Issuing Bank

-the Issuing Bank of the electronic payment instrument is the bank that executes the issuance of the electronic payment instrument.

1.16. Operation

-payment by the Payer for the sold goods (works, services) of the Merchant using a payment card and/or an electronic wallet.

1.17. Scheduled Maintenance Work

-work designed to prevent faults, errors, and malfunctions in the operation of software and/or hardware involved in ensuring the functioning of the IWON System, as well as to prevent unauthorized access to the System. When performing Scheduled Work, IWON undertakes to notify the Merchant about the execution of Scheduled Work, indicating the date and duration of the Scheduled Work, at least 1 (one) working day prior to the start of the Scheduled Work. At any one time, the duration of Scheduled Work cannot exceed 6 (six) hours.

1.18. Unscheduled Maintenance Work

-work carried out in the event of detecting faults, errors, and malfunctions in the operation of software and/or hardware involved in ensuring the functioning of the System, as well as upon detecting a risk of unauthorized access to the IWON System.

1.19. Merchant's Personal Account

-a section of the server in the System containing the Merchant's details, contact information, parameters of electronic document management, statistics, reporting, and other information necessary for the execution of the terms of the Agreement between the Parties.

1.20. Payment Refund

-an Operation performed using a payment card and/or an electronic wallet when the Merchant returns to the Payer an amount paid using the details of a payment card and/or an electronic wallet, or when a need arises to return funds to the Payer that were debited from their bank account and/or electronic wallet during the payment for goods within a previously completed Operation.

1.21. Bank

-a Bank of the Republic of Uzbekistan that is a partner of the Payment Organization and ensures the processing of payments made using the IWON System on a 24/7 basis.

1.22. Cancelled Payment (Payment Cancellation)

-a cancellation of a previously completed Operation initiated by one of the Parties due to an error or technical failure during its processing.
SUBJECT MATTER OF THE AGREEMENT

2.1. Under the Agreement, the Merchant instructs and pays for, and the Payment Organization assumes the obligations to provide the following payment services:

-1) informational and technological interaction between the Settlement Participants, including the provision of services for the collection, processing, and provision of information on bank card operations to the Settlement Participants;

-2) receipt and processing of payments using Electronic Money by executing transactions with the simultaneous distribution of commission Remunerations among the participants of these payments.

2.2. For the purpose of providing services under the Agreement, the Payment Organization connects the Merchant to the IWON System.

2.3. The interaction of the Parties regarding the provision of the service specified in subparagraph 2) of clause 2.1 of the Agreement is detailed in the Rules of the "IWON" Electronic Money Functioning System published on the website www.iwon.uz (hereinafter referred to as the "Rules").

2.4. Payments using Electronic Money are made by transferring them to the Merchant upon the instruction of the Payer, unless otherwise established by the Agreement and/or the Rules. Operations with Electronic Money are carried out taking into account the limitations on the Operation amount in accordance with the Law and the Rules.

2.5. Within the framework of providing services under the Agreement, the Payment Organization offers the Merchant the following methods of accepting payments:
Method of Payment Acceptance
Description and Connection Procedure
1.1. Indoor
This method of payment acceptance implies that the Merchant does not have a billing system and its implementation is not considered advisable for the Merchant, and it also provides the Merchant with the opportunity to accept payments on-site through the IWON System. This method of payment acceptance includes the following services: a) Transfer of access to the personal account of the Merchant module; b) Training of the Merchant's personnel/employees on using the interfaces of the IWON System; c) Provision of information material with a QR code and an identifier. At the same time, the Merchant undertakes to ensure the placement of the information material with the QR code and the Merchant's identifier near the cash register or another settlement point, through which the Merchant's Payers will be able to make payments in favor of the Merchant.
1.2. In-door Billing
This method of payment acceptance implies that the Merchant has an accounting system integrated with the IWON System, and it also provides the Merchant with the opportunity to accept payments on-site through the IWON System. This method of payment acceptance includes the following services: a) Transfer of access to the personal account of the Merchant module; b) Training of the Merchant's personnel/employees on using the interfaces of the IWON System; c) Transfer of personal identification data and other data for integration. This method may be accompanied by the placement of the logo of the SYSTEM COPYRIGHT HOLDER represented by IWON in the form of a QR code or another such identification image on the website and/or in another accounting system or application and/or on sales receipts and/or other places agreed with the Merchant, through which the Merchant's Payers will be able to make payments in favor of the Merchant. The Merchant undertakes to use the personal identification data exclusively for its own operation in the IWON System for the purpose of generating requests for payments and/or other operations (invoicing Payers and other operations) and not to transfer it to other persons.
1.3. IWON-PASS
This method of payment acceptance implies that the Merchant has the appropriate equipment for scanning QR, BAR, and other such codes for the purpose of making payments in favor of the Merchant. This method of payment acceptance includes the following services: a) Transfer of access to the personal account of the Merchant module; b) Transfer of personal identification data and other data for integration; c) Training of the Merchant's personnel and employees on using the interfaces of the IWON System. This method is accompanied by the placement of the logo of the System copyright holder or another such identification image on the territory of the Merchant's retail space, including for the purpose of promoting the IWON trademark.
1.4. Billing
This method of payment acceptance implies that the Merchant possesses a Billing System. This method of payment acceptance includes: a) Transfer of integration documentation; b) Transfer of personal identification data and other data for integration; c) Transfer of access to the personal account of the Merchant module; d) Training of the Merchant's personnel and employees on using the interfaces of the IWON System; e) Advisory support on integrating the IWON System with the Merchant's Billing System. The Merchant undertakes to use the personal identification data exclusively for its own operation in the IWON System for the purpose of generating requests for payments and/or other operations (invoicing Payers and other operations) and not to transfer it to third parties.
2.6. Upon concluding the Agreement, the Merchant selects one or more methods of payment acceptance suitable for them, which is noted in the Special Conditions of the Agreement.

RIGHTS AND OBLIGATIONS OF THE PARTIES

3.1. The Payment Organization undertakes to:

-3.1.1. Provide the Merchant with the information necessary for connecting to the System, including the technical parameters of the interaction between the Parties, as well as ensure the transmission of data to the Bank regarding all payments received in favor of the Merchant.

-3.1.2. Organize the connection of the Merchant to the System taking into account the payment acceptance methods selected by the Merchant and, upon completion of the connection procedure, ensure the Merchant's access through the Personal Account to information on completed payments.

-3.1.3. Guarantee the 24/7 operation of the System and access to services for processing electronic payments and transmitting information to the Bank, the Payer, and the Merchant, except for periods of scheduled or unscheduled technical and preventative maintenance activities.

-3.1.4. Immediately notify the Merchant of any malfunctions or disruptions in the functioning of the System, as well as of faults in communication channels affecting the provision of services, by any agreed method, including the placement of notifications in the Personal Account.

-3.1.5. Ensure the reliability and accuracy of payment information transmitted to the Merchant and the Bank, and bear responsibility for the matching of the specified data.

-3.1.6. Comply with the requirements of the legislation of the Republic of Uzbekistan, including regulatory acts of the Central Bank, regarding the provision of information security and data protection, including personal data.

-3.1.7. Ensure the storage of information on processed payments for at least five (5) years from the date of their execution.

-3.1.8. Upon the Merchant's request sent through the Personal Account or via email, provide the Registry of Cancelled Payments within two (2) working days from the moment of receiving the corresponding request.

-3.1.9. Obtain the Merchant's confirmation (acceptance) in the Personal Account and/or via email regarding a cancelled payment.

-3.1.10. Generate payment data indicating the Merchant's bank details provided for in the Special Conditions of the Agreement.

-3.1.11. Prepare and send to the Merchant a monthly Certificate of Services Rendered (hereinafter referred to as the "Certificate") through the System.

-3.1.12. Provide the payment services stipulated in clause 1.1 of the Agreement exclusively in accordance with the parameters specified in the Payer's order.

-3.1.13. Take legal, organizational, and technical measures to ensure the protection of the Merchant's identification means.

3.2. The Payment Organization has the right to:

-3.2.1. Require the Merchant to fully and properly perform all obligations provided for by the Agreement.

-3.2.2. In the event of detecting discrepancies between the data reflected in the registries, the Personal Account, and the Merchant's internal accounting, require the Merchant's participation in checking and eliminating the causes of such discrepancies.

-3.2.3. Require the Merchant to place information on the terms and procedure for making payments, as well as to use the logo, trademark, or other designation identifying the payment method on its website and in promotional materials.

-3.2.4. Transfer its rights and/or obligations under the Agreement to third parties, provided that the Merchant is notified in advance. At the same time, such transfer does not release the Payment Organization from liability and the performance of obligations established by the Agreement.

-3.2.5. Temporarily suspend or restrict the provision of services (including access to individual modules of the System, suspension of individual operations, and (or) blocking of electronic money/funds in cases and in accordance with the procedure provided for by the legislation on anti-money laundering and combating the financing of terrorism and acts of the Central Bank of the Republic of Uzbekistan) by sending a notification to the Merchant via email if: the Merchant fails to perform the obligations established by the Agreement; signs of illegal activity are detected, including actions falling under the legislation on anti-money laundering, combating the financing of terrorism, or the proliferation of weapons of mass destruction; the activity of the Merchant, in the opinion of the Payment Organization, may entail significant losses or reputational risks for the Payment Organization. The resumption of service provision is carried out after the elimination of the circumstances that caused the suspension. Payment orders accepted prior to the moment of suspension remain in force, unless otherwise follows from the legislation of the Republic of Uzbekistan.

-3.2.6. Request information from the Merchant regarding its activities if such information is necessary to assess the Merchant's performance of its obligations under the Agreement or upon detecting signs of suspicious payments related to money laundering or terrorist financing.

-3.2.7. Introduce amendments and/or supplements to the Agreement unilaterally, notifying the Merchant no later than ten (10) calendar days prior to their entry into force — exclusively regarding the adjustment of the remuneration amount when conducting international payments.

-3.2.8. Restrict or temporarily terminate the Merchant's access to individual modules of the IWON System when conducting scheduled maintenance work, notifying the Merchant about this in writing at least one (1) working day prior to the scheduled time of such work.

-3.2.9. Provide the Merchant with access to available informational and reference materials and electronic templates of promotional materials belonging to the Payment Organization, if they are necessary for the proper performance of obligations under the Agreement by the Merchant.

3.3. The Merchant undertakes to:

-3.3.1. Upon concluding the Agreement, provide the Payment Organization with copies of the following documents:

-For Merchants that are legal entities:

-1) A copy of the certificate of state registration of the legal entity.

-2) The decision (order, minutes) on the appointment or election of the head of the organization.

-3) Copies of licenses and/or permissive documents — in the event that the activity carried out by the Merchant is subject to licensing.

-4) A power of attorney for the representative signing the Agreement, if the Agreement is not signed directly by the head of the organization.

-For Merchants that are self-employed individuals, the following are additionally provided:

-1) A copy of the passport or another document proving the identity of the self-employed individual.

-2) A certificate of registration as a self-employed individual generated through the mobile application "Soliq" of the State Tax Committee of the Republic of Uzbekistan, with a QR code confirming the current status of the self-employed person.

-3) The Personal Identification Number of a Physical Person (PINFL).

-For Merchants that are individual entrepreneurs, the following are provided:

-1) A copy of the certificate of state registration as an individual entrepreneur or an extract from the Unified State Registry of Business Entities of the Republic of Uzbekistan confirming the active status of the individual entrepreneur.

-2) A copy of the passport or another document proving the identity of the individual entrepreneur.

-3) The Personal Identification Number of a Physical Person (PINFL) and the Taxpayer Identification Number (TIN).

-If the Payment Organization is unable to confirm the fact of the Merchant's tax registration through open sources (including via the Internet), it has the right to request additional documents from the Merchant confirming such registration. Documents are provided by the Merchant to the electronic address info@iwon.uz in the form of scanned copies certified by the signature of an authorized person and the seal of the Merchant.

-3.3.2. Provide the Payment Organization with information about the Merchant necessary for the implementation of informational and technological interaction between the Parties, including information about the goods sold (works/services).

-3.3.3. Pay the remuneration under the Agreement in the amount and manner established by Section 4 of the Agreement.

-3.3.4. Post information on its website regarding the possibility of making payments for the purpose of paying for goods, works, and services using the System.

-3.3.5. Within 5 (five) working days, notify the Payment Organization in written or electronic form of any changes that may affect the performance of the Agreement by the Parties, including: changes in its name, legal address, actual address, bank details, name of the electronic invoicing operator, website address, list of goods/works/services sold, personal composition of management bodies or information on the sole executive body (representative) and the beneficial owner.

-3.3.6. Fulfill the requirements of the legislation of the Republic of Uzbekistan, regulatory legal documents governing electronic commerce, trade rules, rules for the provision of services, as well as rules protecting consumer rights. Do not engage in the sale of prohibited goods.

-3.3.7. Upon concluding the Agreement, specify the name of the invoice operator through which the Merchant will receive invoices in electronic form. In the event of a change in the electronic invoicing operator, the Merchant undertakes to notify the Payment Organization in written or electronic form before the end of the reporting month. Otherwise, the responsibility for not receiving invoices rests with the Merchant.

-3.3.8. By signing the Agreement, the Merchant confirms that it is familiar with the Rules of the IWON electronic money system (clause 2.3 of the Agreement) and gives its consent to join the IWON electronic money system. From the date of signing the Agreement, the Merchant becomes a participant in the IWON electronic money system.

-3.3.9. The Merchant is obliged to comply with the rules of the UZCARD and HUMO payment systems applicable to its activities and accepts adjustments/chargebacks, as well as the dispute resolution procedure provided for by the specified rules; upon request of the Payment Organization, provides documents for their consideration within the time limits established by the rules.

3.4. The Merchant has the right to:

-3.4.1. Request the participation of the Payment Organization in establishing the causes of discrepancies between the amounts of Payers' payments credited to the bank account of the Merchant and the amounts specified in the information provided by the Payment Organization under the Agreement.

-3.4.2. Perform the cancellation (refund) of payments received from Payers within the respective reporting period.

-3.4.3. Require the Payment Organization to properly and timely perform the obligations provided for by the Agreement.

-3.4.4. Use the System and the services provided by it in any ways that do not contradict the legislation and the terms of the Agreement.
PROCEDURE FOR SETTLEMENTS

4.1. For services rendered within the framework of the Agreement, the Payment Organization deducts a remuneration from the Merchant for successfully processed Payments in an amount depending on the payment acceptance method selected by the Merchant in the Special Conditions of the Agreement.

4.2. The amount of remuneration is agreed upon by the parties in the Special Conditions of the Agreement. The remuneration is deducted from the amount of the payment transferred by the order of the Payer in favor of the Merchant.

4.3. The Payment Organization generates a Certificate in the form of Appendix No. 1 to the Agreement and an invoice in electronic form no later than 10 (ten) working days from the end date of the Reporting Period. Electronic invoices and the Certificate are issued to the Merchant through the system of the electronic invoicing operator Faktura.uz or Didox (the Merchant selects the operator in the Special Conditions of the Agreement). The Merchant undertakes to sign the issued Electronic invoices and the Certificate through the system of the electronic invoicing operator within 5 working days from the moment of their issuance. In the event that the Merchant has claims regarding the services rendered, the Merchant is obliged to contact the Payment Organization within the specified period to perform a reconciliation and provide a reasoned refusal through the interface of the electronic invoicing operator. After receiving the Merchant's notification regarding the existence of claims for the Services rendered, a commission is created by the Parties, whose duties include resolving the disagreements that have arisen. The decision of the commission is drawn up in a Certificate and is binding on the Parties. If an agreement is not reached, disputes are resolved in accordance with the terms of the Agreement. Failure of the Payment Organization to receive the signed Certificate or the Merchant's notification regarding the existence of claims for the Services rendered along with their justification within 5 (five) working days from the moment the Payment Organization sent the Certificate is deemed as the Merchant's acceptance of the services rendered in full.
REPRESENTATIONS AND WARRANTIES

5.1. The Merchant represents and warrants that:

-it represents a legal entity established and operating in accordance with the legislation of the Republic of Uzbekistan;

-it possesses the right and authority to conclude and execute the Agreement;

-the person who signed the Agreement on behalf of the Merchant possesses full legal capacity and has the necessary and sufficient authority to conclude the Agreement;

-the Agreement is binding for execution in accordance with the terms of the Agreement;

-all information provided prior to signing the Agreement is accurate;

-the funds received from Payers are not subject to taxation at the Payment Organization as a tax agent.

-The Merchant that is an individual entrepreneur additionally represents and warrants that:

-it is registered as an individual entrepreneur in accordance with the legislation of the Republic of Uzbekistan and has the right to carry out the type of activity for which payment services under this Agreement are used;

-it personally possesses full legal capacity and has the right to conclude this Agreement without obtaining the consent of third parties;

-it undertakes to notify the Payment Organization of the termination of activities as an individual entrepreneur, changes in details, or tax regime no later than 5 (five) working days from the moment of occurrence of the specified circumstances.

-The Merchant that is a self-employed individual additionally represents and warrants that:

-it is a physical person having an active registration as a self-employed individual in accordance with the legislation of the Republic of Uzbekistan;

-the type of activity within the framework of which payments are accepted under this Agreement corresponds to the type of activity declared during registration as self-employed;

-it undertakes to notify the Payment Organization of the loss of status as a self-employed individual, termination, or change in the type of activity no later than 5 (five) working days from the moment of occurrence of the specified circumstances;

-it understands and accepts that the Payment Organization has the right to suspend the provision of services in the event of failure to provide documents confirming the retention of self-employed status upon request of the Payment Organization.

5.2. The Payment Organization represents and warrants that:

-it represents a legal entity established and operating in accordance with the legislation of the Republic of Uzbekistan;

-it possesses the right and authority to conclude and execute the Agreement;

-the person who signed the Agreement on behalf of the Payment Organization possesses full legal capacity and has the necessary and sufficient authority to conclude the Agreement;

-the Agreement is binding for execution in accordance with the terms of the Agreement;

-all information provided prior to signing the Agreement is accurate.
LIABILITY OF THE PARTIES

6.1. For non-performance or improper performance of their obligations under the Agreement, the Parties bear responsibility in accordance with the terms of the Agreement and the current legislation of the Republic of Uzbekistan.

6.2. The Payment Organization bears no responsibility to Payers for the Merchant's non-performance or improper performance of its obligations, including for non-compliance of the amounts of monetary payments for goods (works, services) sold by the Merchant with the tariffs and price lists of the Merchant active at the moment of making the payment. The Merchant independently resolves conflicts arising with Payers in the event that the payment amount does not match the current tariffs and price lists.

6.3. The Payment Organization bears responsibility in accordance with Article 58 of the Law.

6.4. The Payment Organization does not guarantee uninterrupted operation of the System, as the operation of the System may be affected (hindered) by a number of factors beyond the control of the Payment Organization. The Payment Organization undertakes to exert all efforts to ensure the uninterrupted functioning of the System; however, the Payment Organization is not responsible for consequences arising as a result of malfunctions in the System if such malfunctions do not occur through the fault of the Payment Organization.
APPLICABLE LAW AND DISPUTE RESOLUTION

7.1. The applicable law under the Agreement is the law of the Republic of Uzbekistan.

7.2. In the event of disagreements on matters of performance of the terms of the Agreement, the Parties shall take all measures to resolve them through negotiations. A claim-based dispute resolution procedure is mandatory. The deadline for responding to a claim is 15 days from the date of its receipt.

7.3. In the event that disputes are not resolved through the claim procedure, the Parties have the right to apply to the Tashkent Interregional Economic Court.
CONFIDENTIALITY

8.1. Each of the Parties undertakes to maintain the confidentiality of information received in the course of executing the Agreement. Confidential information means information that is not publicly available, the disclosure of which may entail losses or cause damage to the business reputation of either of the Parties, including, but not limited to:

-• data on Payers and volumes of completed operations;

-• information on the specifics of informational and technological interaction between the Parties;

-• technical information on hardware and software solutions and software;

-• data constituting a commercial or banking secret;

-• information on tariffs, remunerations, and other financial terms of the Agreement.

8.2. Information about the fact of concluding the Agreement and its subject matter does not relate to confidential information.

8.3. The Parties undertake not to disclose the confidential information specified in clause 8.1 to third parties, except for employees and authorized representatives to whom such information is necessary for the performance of obligations under the Agreement.

8.4. The transfer of confidential information to third parties is permitted exclusively in cases and in accordance with the procedure provided for by the legislation of the Republic of Uzbekistan.

8.5. After the termination of the Agreement, each of the Parties undertakes not to disclose and not to use in its own interests or in the interests of third parties the information specified in clause 8.1 for three (3) years from the day of termination of the Agreement.

8.6. The Parties confirm that when processing personal data of users/payers, they comply with the Law of the Republic of Uzbekistan "On Personal Data": they ensure the processing of personal data of citizens of the Republic of Uzbekistan on technical means physically located within the territory of the Republic of Uzbekistan, maintain records and (if necessary) registration of personal data databases with the authorized body, and carry out cross-border transfer only in the presence of legal grounds and protection guarantees.

 9. Procedure and Amount of User Remuneration

9.1 IWon rewards the User with points for certain actions in the "IWon" Mobile Application. The number of points credited by IWon to the User affects the User's Rating in the "IWon" Mobile Application. In turn, the User's rating in the "IWon" Mobile Application affects the amount of Cashback that the User receives from purchases in the "IWon" Mobile Application.

9.2 The procedure for remuneration and the amount of the User's remuneration for actions in the "IWon" Mobile Application is published on the IWon website at: https://www.iwon.uz/rewards-policy.

9.3 IWon has the right to review and change the procedure and amount of the User's remuneration in accordance with the procedure established in Section 2 of this Offer.

9.4. In accordance with the Decree of the President of the Republic of Uzbekistan No. UP-5813 dated September 6, 2019, "On measures to introduce modern information technologies into the settlement system in the sphere of trade and provision of services, as well as to strengthen public control in this sphere," funds in the form of bonuses (money, points, and other units) transferred on the basis of the terms of this Offer to bank plastic cards or to discount cards of the User (cashback) are not considered as a base for personal income tax.

9.5. In cases provided for by the Tax Code of the Republic of Uzbekistan (Article 465), the Payment Organization performs the functions of a tax agent, withholding and remitting taxes to the budget from payments received in favor of Users who are individual entrepreneurs or self-employed individuals.

Disclaimer of Warranties, Limitation of Liability
10.1 The User uses the IWon Services at their own risk. The Services are provided on an "as is" basis. IWon assumes no responsibility, including for the compliance of the Services with the purposes and expectations of the User.

10.2 IWon does not guarantee that: the Services meet/will meet the requirements and expectations of the User; the Services will be provided continuously, quickly, securely, and without errors; the results that may be obtained using the Services will be accurate and reliable and can be used for any purpose or in any capacity (for example, to establish and/or confirm any facts); the quality of any product, service, information, etc., obtained using the Services will meet the User's expectations.

10.3 Any information and/or materials (including downloadable software, letters, any instructions and guides to action, etc.), access to which the User obtains using the IWon Services, the User may use at their own risk and is solely responsible for the possible consequences of using the specified information and/or materials, including for damage that this may cause to the User's mobile device or computer or to third parties, for loss of data, or any other harm.

10.4 IWon is not liable for any types of losses incurred as a result of the User's use of the IWon Services or individual parts/functions of the Services, except for cases of gross negligence of IWon or violations of the Central Bank of the Republic of Uzbekistan requirements on payment security, where liability is determined in accordance with Article 16 of the Law "On Payments and Payment Systems."

10.5. In the event that the User detects an unauthorized payment operation via the "IWon.Wallet," the User is obliged to immediately, but no later than 24 hours from the moment of detection of such an operation, contact IWon with an application in accordance with the procedure provided for by this Offer. IWon reviews the User's application regarding an unauthorized payment operation and conducts an investigation within the time limits established by the legislation of the Republic of Uzbekistan, but no more than 15 (fifteen) calendar days, and in exceptional cases provided for by law, no more than 30 (thirty) calendar days. In the event of establishing the fact of an unauthorized payment operation committed through no fault of the User and not as a result of their violation of obligations to ensure the confidentiality of Authorization Data and execute IWon instructions, IWon reimburses the User for the amount of such an operation and, if there are grounds, other losses in the manner and volume provided for by the legislation of the Republic of Uzbekistan and this Offer.

Termination of the Agreement
11.1 This Agreement may be terminated:

11.1.1 By either Party by way of unilateral refusal to execute the Agreement by sending a written notification (including via email) to the other Party at least 30 (thirty) calendar days prior to the date of termination. Upon termination, IWon ensures the return of the remaining balance in the "IWon.Wallet" to the account specified by the User within 5 working days, in accordance with Article 10 of the Law "On Electronic Money."

11.2. IWon, by way of unilateral refusal to execute the Agreement in the event of a violation by the User of the terms of the Agreement or the documents specified in clause 4.4 of this Offer, has the right to terminate the Agreement immediately upon notifying the User: · by a message via Telegram; · by a letter to the User's email address.

11.1.3 Automatically upon the expiration of 6 (six) months from the date of the last activity of the User in the "IWon" Mobile Application.

11.1.4 On other grounds provided for by this Offer, the documents specified in clause 4.4 of this Offer, and/or the current legislation of the Republic of Uzbekistan.

11.2 The obligations of the Parties under the Agreement, which by their nature must continue to operate (including obligations regarding confidentiality, conducting mutual settlements, use of information, but not limited to the specified), remain in force after the expiration of this Agreement.

11.3 The termination of the term of the Agreement on any ground does not release the Parties from liability for violations of the terms of the Agreement that arose during the term of its validity.

Miscellaneous Provisions
12.1. User claims related to the provision of payment services and the use of IWon services are sent to the address of IWon through one of the following channels:

-at the postal address: Republic of Uzbekistan, Tashkent, 100070, Yakkasaray district, Sh. Rustaveli St., 32A

-by email: info@iwon.uz

-through the feedback form/chat in the "IWon" Mobile Application;

-by any other method indicated on the IWon Website.

IWon reviews the User's claims and sends a response within the time limits established by the legislation of the Republic of Uzbekistan, but, as a rule, no later than 15 (fifteen) calendar days from the day the claim was received, unless other time limits are provided for by special regulatory legal acts. In the event of disagreement with the response of IWon or non-receipt of a response within the established time limit, the User has the right to apply to court, as well as to the relevant state bodies in accordance with the procedure provided for by the legislation of the Republic of Uzbekistan.

12.2 In relation to services rendered within the framework of this Offer on a free-of-charge basis, the rules on consumer rights protection provided for by the legislation of the Republic of Uzbekistan cannot be applicable to the relations between the User and IWon.

12.3 Nothing in the Offer can be understood as establishing between the User and IWon agency relations, partnership relations, joint activity relations, personal employment relations, or any other relations not explicitly provided for by the Offer.

12.4 If for one reason or another one or several provisions of this Offer are recognized as invalid or having no legal force, this does not affect the validity or applicability of the remaining provisions of the Offer.

12.5 Inaction on the part of IWon in the event of a violation by the User or other Users of the provisions of the Agreement does not deprive IWon of the right to take appropriate actions to protect its interests later, and also does not mean a waiver by IWon of its rights in the event of committing subsequent similar or identical violations.

12.6 This Offer is drawn up in the state (Uzbek) and Russian languages. The texts of the Offer in the specified languages have equal legal force. In the event of discrepancies between the Russian and Uzbek versions of the Offer, the text of the Offer in the state (Uzbek) language shall prevail for the purposes of interpretation and application.