Uzbekistan
Public Offer 
x12 Installments 

ZoodPay General Terms and Condition

Whereas the Customer (hereinafter mentioned as “You”, “Your”) is a person who used or will use the ZoodPay (hereinafter mentioned as “ZoodPay”, “We”, “Our”) services and get registered on ZoodPay Account for getting of mentioned services or the Customer ’s internal Account will be created by ZoodPay in the operational system based on a relevant application, the parties agree on terms and conditions of a cooperation by consenting to these conditions. The cooperation shall be governed by presented terms until the ZoodPay terminates the service in accordance with provisions set forth by this Agreement.

Service Overview

  • ZoodPay allows You to pay for your purchase from the Store in 12 instalments over a period of 12 months

  • In order to be entitled to receive ZoodPay Service, You must be over 18 years old and be the authorized holder of an eligible debit/credit card;

  • Usage of ZoodPay Service is the subject to ZoodPay’s approval. Approval is at sole discretion of ZoodPay;

  • The payment date is determined in accordance with the Payment Schedule for each purchased order, will be presented in Customer profile;

  • If You won’t be able to pay Us on time, please contact Us as soon as possible. A call will not prevent a Customer for paying liability amount;

  • The delivery/quality of Purchased Goods and all Refunds is the responsibility of the Seller where you make the purchase;

  • The delivery/quality of Purchased Goods and all Refunds aren’t effecting Payment Schedule, which included basic debt and interest or Penalty accruing rules

Important information regarding card pre-authorizations

The pre-authorization of Your Card is the part of our approval process as well as Our assessment as to whether or not You have the capability to fulfil Your obligation to make future payments to ZoodPay according to the Payment Schedule in regards of each purchased order. Accordingly, We reserve the right to conduct a pre-authorization of your Nominated Payment Source through the Payment Organisation. This may involve Your obligation to place funds in the Account linked to your Nominated Payment Source on hold each time You make an online purchase using ZoodPay Service or add a new card to your Account held by ZoodPay. For online purchases, Our Payment Organisation immediately instruct your bank to void this pre-authorization transaction. No funds are received by ZoodPay during this process. We cannot guarantee the time it takes for Your bank to process this action by us and make Your funds available.

We set out below the terms and conditions of Your use of, and access to, ZoodPay Service. Please read carefully and save these terms and conditions, as they impose rules, obligations and other responsibilities on You in respect of your use of the ZoodPay Service.

1. Parties to this Agreement

1.1. OrientSwiss Tashkent LLC incorporated and operating under the laws of the Republic of Uzbekistan, represented by Director Askarbek ALSHANBAYEV acting on the basis of Charter

(“ZoodPay”, “Company”, “we”, “us”, “our”). It sets out the terms and conditions that apply to Your use of ZoodPay Service.

1.2. The Customer (You, Your, Customer)

1.3. You agree that Your acceptance of this Agreement, and ongoing use of ZoodPay Service, shall constitute Your acceptance of this Agreement.

1.4. If You do not want to be bound by this Agreement, you must not make a purchase using ZoodPay Service.

2. Policies incorporated into this Agreement

2.1. Before you use the ZoodPay Service, you should read and accept this Agreement, as well as ZoodPay’s Privacy Policy which can be found on the Website/Mobile Application.

2.2. We recommend that You store or print a copy of this Agreement (including all policies) for Your records. To the extent of any inconsistency between this Agreement and any incorporated policy, the Agreement will prevail.

3. Definition of terms

Customer (You, Your): A person who is intending to buy and/or is buying any Goods from the Store of Seller using ZoodPay Service

Agreement: These terms and conditions and any amendment made in this Agreement from time to time

ZoodPay Account: Virtual account of the Customer registered in the operational system of ZoodPay where every information/transaction/application made by the Customer is recorded.

ZoodPay Instalment: ZoodPay “Buy Now, Pay Later” alternative financing solution offered to Customer which shall give opportunity to Customer to pay Sale Price for the Goods placed in Store in 12 /(twelve) instalments, in accordance with the Payment Schedule.

Goods: Goods placed on the Store by the Sellers, available for the Purchase by the Customer using Zoodpay Instalment.

ZoodPay Service: ZoodPay Instalment

Shipping Costs: Any fees, costs or expenses payable by the Customer charged by Seller for the delivery of Goods purchased using the ZoodPay Purchase

Purchase Price: The Sale Price of the Goods plus any Shipping Costs (also may include any applicable taxes, duties or other related amounts charged by the Seller)

Sale Price: price (including all applicable taxes) of the Goods

Total Price: Total Price The total price payable by a Zoodpay customer includes the principal (product value) and interest for using Zoodpay services, which is []% per annum

Annual Interest: annual interest, which is accrued on a Purchase Price, where obligation of its payment to Zoodpay appears on a monthly basis together with a Principal according to a payment schedule; Amount of an annual interest is defined according to Purchase Price. Defined by Special Terms and Conditions.

Principal: Principal amount: the amount equal to the Purchase Price

Store: Any physical or electronic location including any website and mobile or tablet sites or applications owned and/or managed by the Seller from which Goods are supplied.

Seller: The authorized Seller who is selling Goods from the Store or from overseas jurisdiction upon permission of ZoodPay

Refund: A partial or whole refund of the Sale Price for any Goods in case of Return of Goods by the Seller and/or of any related Shipping Costs

Refund Amount: Amount that Seller agrees to Refund to a Customer for Goods which is accepted for Return according to Merchants and our policies, or other amount that Seller agrees to refund to a Customer

Return: The return of any Goods to a Customer purchased using ZoodPay Purchase initiated by the Customer or the Seller

Day: Calendar Day

Business day: Day except Saturday and Sunday and public holidays stated by the Applicable Legislation

Applicable Legislation: Legislation of Uzbekistan

Nominated Payment Source: The source of payment: · Cash funds · Credit/debit card provided by the Customer

Order: Purchase order of Goods made by the Customer to the Seller

Overdue sum: Amount that is not paid according to the Agreement or payment schedule.

First Payment: One twelfth of the Total Price which is paid by the Customer after the approval of ZoodPay

Instalment via Nominated Payment Source and which represents the mandatory condition of usage of the ZoodPay Service.

Payment schedule: Payment plan attached to Zoodpay Purchase which will be available on the customer profile which includes the following information: total sum of Total Price, amount and period of payment.

Consent: or agreeing to provide application on receipt of the ZoodPay Service and Agreement conditions on the Store or through the Company electronic channels, which confirms the fact of getting acquainted with the condition of the Agreement and using the ZoodPay Service.

Current liability: Monetary liability of the Customer to ZoodPay within the current period of time, which includes a Total Price that is subject to repay and a penalty (if any) and also expenses made by the ZoodMall for collection of Sale Price from the Customer and/or forced enactment (if any).

Penalty: Additional means for security used in order to secure the proper fulfilment of the obligations by the Customer and paid by the Customer in case of delay of the repayment of the Sale Price and breaching the Payment Schedule.

Automatic Payment: Payment, through the Payment Organization or Agent selected by the Customer, that will be automatically charged directly to Nominated Payment Source in accordance with Payment Schedule.

Payment Organization: a legal entity (not a bank) that is authorized to carry out activities related to the provision of payment services.

Special Terms and Conditions: The integral Part of the Agreement

General Terms and Conditions: The Integral Part of the Agreement where General terms are defined

Agreement: The Agreement between Zoodpay and the Customer.

You undertake to return the amount of money received and pay interest on it on the terms provided for by these Terms and Conditions

4. ZoodPay Service

4.1. By using ZoodPay Service You will be entitled to buy Goods from Sellers.

4.2. By placing an Order with a Seller and using ZoodPay Services, You provide Us with unconditional and irrevocable consent and direction to pay (or procure a ZoodPay Affiliate to pay) the Seller on Your behalf in exchange for Your agreement and obligation to repay or pay to Us, in accordance with this Agreement the Sale Price on the dates outlined in your Payment Schedule or

in the Agreement, plus any additional applicable Fees, including Late Fees if you fail to make a repayment to us on the scheduled date, as set out in the Agreement.

4.3. By placing an Order through ZoodPay Service for Goods You agree to repay or pay to Us in accordance with this Agreement the Total Price and on the dates outlined in your Payment Schedule and/or in the Agreement, plus any additional applicable Fees, including possible Penalty if You fail to make repayment to Us on the scheduled date as set out in the Agreement.

4.4. You acknowledge that We do not have any control over, and are not responsible or liable for, the Goods and services purchased from Sellers using ZoodPay Service. We cannot ensure that the Seller you are dealing with will complete the transaction.

5. No warranty

5.1. We do not give any express warranty or guarantee as to the suitability, reliability or availability of ZoodPay Services.

5.2. Except as required by Applicable Legislation, we do not guarantee continuous, uninterrupted access to ZoodPay Services, and We make no representations or warranties regarding the amount of time needed to complete processing of Orders or payment transactions.

5.3. ZoodPay does not:

(i) Enter into a partnership, joint venture, agency or employment relationship with You;

(ii) Guarantee the identity of any Seller;

(iii) Determine if You are liable for any taxes; or

(iv) Collect or pay any taxes on Your behalf that may arise from your use of ZoodPay Services.

6. Representations and the Warranties of the Customer

6.1. You confirm that:

  • a. You are the individual who is at least 18 years old;

  • b. You are capable of entering into a legally binding contract;

  • c. You have a valid and verifiable email address and mobile telephone number;

  • d. You have provided a valid delivery address to ZoodPay;

  • e. You have full and unlimited access to the Nominated Payment Method

  • f. in connection with Your use of ZoodPay Services, you are providing use Our real name and true and correct personal details and not use an alias or false identity (even with the consent of the person whose identity you are using) or provide false, inaccurate or misleading personal details. You acknowledge that by provision of false Personal data or Identification requisites You may face the criminal liability.

  • g. By entering into this Agreement, You represent and warrant that You are eligible to use ZoodPay Service.

  • h. You are fully aware of the content of expressing of his/her will and the subsequent legal consequences

  • i. You have got familiarized with this Agreement and these conditions are acceptable for You;

  • j. You will fulfil obligations imposed by the Agreement faithfully and in a proper manner

6.2. You shall inform the ZoodPay immediately in a written form about all circumstances that may contradict with Your representations and/or may cause breaching of above-mentioned warranties. Also, You shall inform the ZoodPay about occurrence of such circumstances that may threaten proper fulfilment of obligations by the You that are imposed by the Agreement.

6.3. You acknowledge and agree that the ZoodPay concludes the Agreement based on representations, warranties and obligations provided in these Agreement. Thus, breaching of representations, warranties and obligations considered by this article after conclusion of the Agreement is a sufficient reason for ZoodPay to refuse provision of any services in the future

and/or termination of going Service. In such cases You shall be obliged to pay Current Liability to ZoodPay.

6.4. By agreeing to this Terms and Conditions and submitting your photo, you give us your consent to the collection, processing, and storage of your personal biometric data7.5. After submission of the application by you to use the ZoodPay Service, You are informed that We may search/verify any information about the You including personal information at the partners and affiliates of ZoodPay during processing the application also in cases of failure fulfilment of your obligations imposed by Agreement and in case of improper fulfilment of such conditions, for protection of own rights by the ZoodPay and checking solvency and Your credit history from third parties at the extent and within the scope necessary for protection of entrepreneurial interests of the Company. Also, We shall be entitled to verify the information about the You including personal information for approval of a ZoodPay after filling application at any registered agency or person.

6.5. You also agree that we have the right to carry out your cross-border data transfer

6.6. Cross-border data transfer is carried out for the following purposes including, but not limited to: a) protect our rights

b) enforce rights granted by Terms and conditions

c) defect, prevent and eliminate fraud

d) to enable you to use all the services provided by us and our group of companies

7. Transfers or assignments

7.1. You cannot transfer or assign any rights You may have under this Agreement without Our prior written consent, which must not be unreasonably withheld.8.2. We may transfer or assign this Agreement, and any right under this Agreement, to a third party without notice to You or Your consent unless the assignment will detrimentally affect Your rights under the Agreement (in which case We will seek Your consent prior to assignment, which consent must not be unreasonably withheld).

8. Payment Terms

8.1. You hereby expressly consent to authorize and instruct payment agent of ZoodPay to deduct Automatic Payment amounts from your Nominated Payment Source for the amounts and on those scheduled dates set out in your Payment Schedule and or in the Agreement. You acknowledge that You are giving ZoodPay’s payment agent the ability to collect or reverse variable payment amounts from or to Your Nominated Payment Source, in accordance with Your Payment Schedule and the terms of this Agreement.

8.2. You agree that authorization is a part of Our approval process and Our assessment as to whether or not You have the means to fulfil your obligation to make payments to ZoodPay according to the Payment Schedule and the Agreement, We reserve the right to conduct a pre-authorization of your Nominated Payment Source. This may involve placing funds in the account linked to your Nominated Payment Source on hold each time You make an online purchase. For online purchases:

a) the pre-authorized amount will not exceed Your first instalment owed to us for that purchase; and

b) We immediately instruct Your bank to void this pre-authorization transaction

c) No funds are received by ZoodPay during the pre-authorization process.

d) We cannot guarantee the time it takes for your bank to process both the pre-authorization transaction and our voiding of that transaction.

8.3. You also acknowledge that as part of the authorization process to use the ZoodPay Instalment You are obliged to pay the First Payment. If We or Payment Organization are unavailable to process

the First Payment within four days from Your Nominated Payment Source due to any reason, the usage of ZoodPay Instalment shall be rejected from Our side.

8.4. You are responsible for ensuring that You have sufficient funds in your Nominated Payment Source available to make Automatic Payments on the dates specified in your Payment Schedule. You are liable for any fees or charges imposed by your Nominated Payment Source, except to the extent that such fees or charges arise as a result of Our error or system failure. If any fees or charges are imposed as a result of Our error or system failure, please provide us with a copy of the relevant records certifying the abovementioned, and We will reimburse You for the relevant fees or charges.

8.5. If an Automatic Payment fails (for example, if Your Nominated Payment Source is a credit or debit card which has expired), we reserve the right to apply Penalty unless You otherwise make the scheduled payment on the relevant due date. You authorize us to satisfy any monetary liability You owe us by:

(i) Debiting Your Nominated Payment Source on and after the due date indicated in Your Payment Schedule and/or in the Agreement;

(ii) Debiting Your any other card which You have provided details of;

(iii) Offsetting the Current Liability amount against any amounts We may owe to You; or

(iv) Any other legal means.

8.6. Monetary liabilities of the Customer are considered as fulfilled from the moment of reflection of due sum completely to the ZoodPay’s bank account.

8.7. Partial payment of a Current Liability is not considered as fulfilment of obligations and ZoodPay shall have the right impose the Penalty if there are not enough funds on your Nominated Payment Source.

8.8. Debiting your Nominated Payment Source is made in a national currency. If the Funds are available only in the foreign currency, ZoodPay shall exchange the currency in accordance with the ZoodPay’s Bank exchange rate. 9.9. Your liability is considered as paid and if You fulfil payment obligations completely which without limitation includes the Total Price, financial expenses, Penalty (if any) and reimbursement of damage (if any)) to the bank account of ZoodPay.

8.9. You acknowledge and agree that upon making a monthly payment at first is paid penalty (if any).

8.10. Notwithstanding any other provisions of this Agreement, You must make all payments in accordance with the Payment Schedule and/or and pay all other amounts in full to Us under this Agreement without any set-off, withholding or reduction for any reason whatsoever, including any existing or future act, omission or default by us.

8.11. You are entitled to pay the Current Liability fully or partially any time, without any commission.

8.12. Frequency of monthly payments of the loan is set by the payment schedule;

8.13. The sequence of repayment of the Total Price:

- Financial expenses related to issuance of a loan (if any);

- interests;

-Fine/penalty (if any) charged for delay

- Interest for early payment (if any);

- Principal.

8.14. Monetary liabilities of the Customer are considered as fulfilled from the moment of debiting Customers Bank Card with the necessary funds for the monthly payment. Partial payment of a current indebtedness is not considered as fulfillment of obligations and imposing of penalty on outstanding portion continues.

8.15. The penalties and interest are being accrued on Holidays as well.

8.16. If you partially repay the Purchase Price in advance, We will be authorized to change the repayment schedule unilaterally (make a new schedule) and in this case you will be obliged to make repayments under a new schedule drawn up by US. Modified schedule will be sent to you via e-mail indicated by him/her.

8.17. If the Nominated Payment Source being a credit/debit card belonging to any other third person, you acknowledge that you will use it only on the basis of permission of the owner such credit/debit card and provide us with the owner’s consent in any form requested by US and any time on granting Zoodpay right to debit the card on or after the day of payment stated by your payment schedule.

9. Penalty 

9.1. In the event that you fail to fulfill your obligations, namely, a delay in payment according to the schedule, we have the right to charge a penalty in the amount prescribed by Special Terms of the Agreement for each day of delay.

10. Responsibility

10.1. You are responsible to the ZoodPay for the accuracy and completeness of the information contained in the Agreement as well as the accuracy of the information indicated by You during the choosing ZoodPay Service and the accuracy of all the information You have submitted to the ZoodPay during, before and after agreeing with the Agreement.

11. Interest

11.1. You will be obliged to pay Interest for usage of Zoodpay Services in the amount stipulated in Special Terms and Conditions

12. Refunds

12.1. If You decide to return Goods to a Seller, You have to provide the request in accordance with our Return Policy, which is placed on our web page. You acknowledge and agree that Refund shall be carried out in accordance with our and Seller’s Return Policies.

13. Assessment and checks

13.1. We reserve the right to assess, and determine whether to accept or cancel, each application made by You relation of using ZoodPay Services.

13.2. We reserve the right to cancel ZoodPay Service even after its approval without any reason. In this case We will return any payment made by You during 1 month from the cancelation of the ZoodPay Service.

13.3. We reserve the right to verify Your identity, including if required under the Law on countering the legalization of proceeds from crime, the financing of terrorism, and the proliferation of weapons of mass destruction. Anti-Money Laundering and Counter-Terrorism Financing Act at any time, before or after processing your application.

13.4. You agree to provide any information or documentation reasonably requested by ZoodPay, a Seller to verify your identity in connection with your ZoodPay or Order.

13.5. You authorize Us to make, directly or through third parties, any enquiries We consider necessary to verify your identity and assess your capability to make payments according to the Payment Schedule and the Agreement in relation to all Orders made through ZoodPay Services. This may include ordering a credit report, performing other repayment capability checks and verifying information You provide against third party databases.

13.6. For the approval of Your application on usage ZoodPay Service and to the extent necessary for the achievement of this goal the ZoodPay may:

a) inquire and verify the information about You in any registry or database;

b) search information about You without limitation of number of searches at the database of credit histories of partner entities for the purpose of checking of Your solvency for

provision of services to You, for processing of Your application, for making offers and also in cases of failure of You to fulfil obligations or improper fulfilment of such obligations with the main purpose of protection of own rights by the ZoodPay, for finding out Your credit history direct marketing and for other lawful reasons;

c) In case of failure to fulfil or improper fulfilment of the contractual obligations by You, We are entitled to provide the information about You to third parties willing to cover Your obligations. We shall discharge the powers granted to it in this article to the extent that is necessary for protection of Our interests of business;

d) inquire/verify any information at any time, including personal data provided by or related to You in any the data base of any entity, who is legally collecting Your personal data during processing the application of receipt services by the You , as well as in the event of reflection of the state of implementation of the obligation(s) assumed by You under the Agreement, including failure of implementation or improper implementation thereof, also for protection of own right(s) by ZoodPay, verification of Your solvency and credit history thereof and within the scopes necessary for protection of industrial interests of the ZoodPay;

e) All information that ZoodPay collects about You or the recipient you nominate, including information collected in connection with the verification of Your identity, will be collected, used and stored in accordance with the ZoodPay Privacy Policy and Uzbek Law.

13.7. For the purpose of provision of services described in the Agreement, You authorize ZoodPay (or any third parties providing services on behalf of ZoodPay) to disclose to third parties, to the extent required by any applicable laws or regulations, any information in relation to You. In addition, You acknowledge that ZoodPay reserves the right to report any negative activity on your ZoodPay Services (including late payments, missed payments, defaults or chargebacks) to credit reporting agencies.

13.8. For the purpose of implementation of the credit liabilities by third parties ZoodPay can deliver information about the You, including the information about ongoing delay to the third parties, who express verbal or written commitment for implementation of the obligations assumed by You in full or partially. Parties hereby agree, ZoodPay is entitled to receive the fulfilment of the obligation prescribed by this agreement from any third party.

13.9. ZoodPay can transfer any information to the auditors, consultants and advisors along with the necessary documentation provided that these persons will keep the information confidential.

13.10. For the purpose of control of the service quality and protection of own rights ZoodPay shall be entitled to carry out monitoring and recording of every phone communication with the You. The parties agree that such authorization is not limited in time and the ZoodPay may carry out such activity any time, even after expiration of the Agreement.

13.11. ZoodPay shall be entitled to send advertising/marketing messages to You at any time on the Number/Email address provided by the You in order to inform about news and activities.

13.12. Any information to be transferred in cases considered by this article, without limitation, includes: Your identification data, volume of the Current Liability obligation, its purpose, accrued interest, validity, timeliness of payments made by You regarding the loan/financial liabilities, the debt balance and in case of a dispute - the court proceedings and enforcement outcomes.

13.13. For the purpose of calculation of credit rating score and collection information to be transferred to third party includes but is not limited to the following personal data: Name and surname of the Customer; personal number and/or unique characteristics of his/her electronic id card; registered and/or actual address; phone/mobile number; email address; credit history (both negative and positive, including details about previous and current liabilities and payments and details of covering of such liabilities), solvency status (rating score of Your solvency (credit rating score), its criteria and/or scoring methodology) and individual mixed scoring; moveable and immoveable property owned and/or possessed by You and their characteristics, other assets; data about employer; information about employment terms (place of employment, remuneration, work schedule etc.); any data provided in electronic channels and/or internet (including but not limited to records such as cookies etc.); Your activity and persons related to You in above mentioned channels (including without limitation to history of log-ins in such channels and history of activities and transactions); information about family members, relatives and persons living at Your address; any other data related to You, which allows Your identification and/or characterisation of grouping You with other customers considering physical, physiological, economic, cultural and social signs or transactions indicated or considered in above mentioned sub-paragraphs;

13.14. You agree, that We may process the information about You in electronic channels including recording of Your activities (i.e. identification of Your location during the usage of an electronic channel, description and analysis of data indicated in search field, recording of frequency of selection of products and/or recording of any statistic data and its analysis) and/or using of other data indicated by You.

13.15. You agree that We during the period of using ZoodPay Service and a contract period (processing of data is also carried out for calculation of credit rating score and an individual mixed score) may transfer your personal data to third parties for the following purposes:

a) Review of a new application made by You on provision ZoodPay Service;

b) For protection of lawful interests of ZoodPay;

c) For carrying out of the ZoodPay’s duties that are defined by the law;

13.16. If the Client ’s consent is required by law for processing of data, any electronic and/or non-electronic application is considered as a consent, where You agree with these conditions and the Agreement;

13.17. You agree, that processing of Your personal data by Us can be carried out for the following purposes:

a) for provision of service completely and in a proper manner; for improvement of service when We analyse information about You, including analysis of credit history, statistical bureau data, etc.;

b) In cases established by legislation, for accessibility of information for audit companies, regulators, controllers and other supervisory authorities;

c) For preparation and demonstration of different reports, researches and/or presentations;

d) For ensuring of security, also for revealing and/or prevention of fraud, money laundering and other crime;

e) For marketing purposes, which means periodical offer of different products/services by Us;

f) For collection purposes of delay debts to External collection companies;

g) For the new owner of debt

14. Our Intellectual Property

14.1. Our website and all content on Our Website are the exclusive property of ZoodPay. The information on Our Website is for information purposes only and is subject to change without notice.

14.2. You must not copy, imitate, modify, alter, amend, or use without Our prior written consent any URLs representing Our Website, or any of our content, logos, graphics, icons or other content published on our website or in our printed media.

15. Amendment of the Agreement

15.1. ZoodPay can make the changes in the Agreement any time without notification or additional consent from Your side by updating the app and web-based account to incorporate the new terms of use.

15.2. Any changes to the terms around a specific payment will be subject to prior notice to You.

15.3. You are responsible for regularly reviewing information posted online to obtain timely notice of such changes. Your continued use of the ZoodPay Services after changes are posted constitutes Your acceptance of the amended terms and conditions

15.4. You can carry out an early termination of the Agreement via full implementation of assumed obligations within 10 days after learning about the changes and in the event if the You decline to use the right of termination of the agreement, the changes offered by Us shall be deemed to be accepted by You and the Agreement shall be deemed amended as of the indicated period.

16. Term and Termination

16.1. This Agreement is concluded for an indefinite period of time. It applies until it is terminated by You or Us and can be terminated at any time.

16.2. We may suspend or close Your account or otherwise terminate Your right to use Your account. We may do this at any time and for any reason.

16.3. You may close Your account at any time by contacting us at the number indicated on our webpage.

17. Communication between the Parties

17.1. Any notification can be sent to the You:

a) to the legal and/or actual address indicated by You;

b) to an e-mail address provided by You;

c) to Your mobile phone.

17.2. In case of any changes in the account indicated by the You or any information provided for in the Agreement, including the contact details, the You shall immediately notify Us about it and provide with new information, otherwise, the information sent to the old contact details indicated in this Agreement shall be deemed to be receive

17.3. We shall not be responsible for the consequences entailed with receipt of the notification by another person that is sent in accordance with the contact information provided by You.