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Public Offer on the Terms and Conditions for the Provision of Payment Services to Users within Online Services
Date of Publication: September 8, 2026
Effective Date: September 8, 2026
Effective Date: September 8, 2026
Revision No. 1
This Public Offer on the Terms and Conditions for the Provision of Payment Services to Listee Users (hereinafter referred to as the “Offer”) constitutes an official offer by JSC Freedom Payments, registered in accordance with the legislation of the Republic of Uzbekistan and operating as a payment organization under License No. 5 issued by the Central Bank of the Republic of Uzbekistan on April 23, 2020 (hereinafter referred to as the “Payment Organization”), to enter into an agreement for the provision of payment services with an individual using Listee services (hereinafter referred to as “Listee”).
This Offer governs the procedure and terms under which the Payment Organization provides payment services to Users when they make payments for goods and/or other goods, works, and services offered on Listee using the payment methods available on Listee.
The User’s performance of the actions specified in this Offer indicating acceptance thereof shall constitute full and unconditional acceptance of the Offer.
Upon acceptance, an agreement for the provision of payment services shall be deemed concluded between the Payment Organization and the User on the terms and conditions of this Offer (hereinafter referred to as the “Agreement”).
This Offer is made available electronically on the official website of the Payment Organization and/or through the Listee interface and is accessible to the User prior to acceptance.
This Offer governs the procedure and terms under which the Payment Organization provides payment services to Users when they make payments for goods and/or other goods, works, and services offered on Listee using the payment methods available on Listee.
The User’s performance of the actions specified in this Offer indicating acceptance thereof shall constitute full and unconditional acceptance of the Offer.
Upon acceptance, an agreement for the provision of payment services shall be deemed concluded between the Payment Organization and the User on the terms and conditions of this Offer (hereinafter referred to as the “Agreement”).
This Offer is made available electronically on the official website of the Payment Organization and/or through the Listee interface and is accessible to the User prior to acceptance.
1. Terms and Definitions
In this Offer, the following terms shall have the meanings set forth below:
Acceptance — the User’s full and unconditional acceptance of the terms of this Offer by performing the actions specified herein.
Authorization — the procedure for confirming the possibility of carrying out a payment transaction using the relevant payment instrument.
Verification — an additional procedure performed by the Payment Organization to verify the Client and the Card in order to reduce the risks of unauthorized/illegal Card transactions.
Refund — a transaction involving the full or partial return of funds to the User in connection with the cancellation, return, or adjustment of the relevant payment.
Listee — the Listee electronic marketplace that enables Users to search for, select, and purchase goods from Sellers and use available payment services. Listee is operated by LLC “Thara”, which, for the purposes of performing the Agreement, interacts with the Payment Organization, including arranging the Delivery Service and providing the Payment Organization with the information required to process Payment Transactions.
LLC Thara — the legal entity operating Listee, including arranging the Delivery Service and ensuring information and technological interaction with the Payment Organization for the purposes of performing the Agreement.
Listee Mobile Application — Listee software intended for use by Users on mobile devices.
Listee Website — the Internet resource located at: www.listee.uz.
Personal Data — information relating to an identified or identifiable individual, processed by the Payment Organization in connection with the conclusion and performance of the Agreement.
Payment Interface — a software interface, payment page, payment form, or other technological element of the Listee Website and/or Mobile Application through which the User creates and confirms a payment instruction.
Payment Transaction — a set of actions performed for the purpose of executing the User’s payment instruction.
Payment Organization — JSC Freedom Payments, a legal entity registered in the Republic of Uzbekistan and authorized to provide payment services in accordance with the legislation of the Republic of Uzbekistan and the license issued by the Central Bank of the Republic of Uzbekistan.
Payment System, PS — the Uzcard, Humo, Visa International, and Mastercard Worldwide payment systems.
Payment Service — a service provided by the Payment Organization in accordance with the legislation of the Republic of Uzbekistan, this Offer, and agreements concluded with settlement participants, related to the acceptance, processing, and/or execution of the User’s payment instruction.
User — an individual who uses the Listee Website and/or Mobile Application and accepts the terms of this Offer.
Buyer — a User who purchases a Product from a Seller through Listee and initiates a payment for such Product.
Seller — a registered User of the Website and/or Application who has posted a Listing and accepted the terms of the Listee Agreement. A Seller may be a fully legally capable individual who has reached the age of eighteen.
Business Day — a day that is not a weekend or public holiday under the legislation of the Republic of Uzbekistan.
Delivery Service — a set of services for delivering Shipments to the Buyer and returning them to the Seller, provided by the Listee Operator through Delivery Providers.
Delivery Provider — a legal entity and/or individual entrepreneur engaged by LLC Thara to provide transportation, acceptance, and delivery services for Shipments.
Delivery Service Agreement — an agreement in the form established by Listee governing the relationship between LLC Thara, the Buyer, and the Seller when using the Delivery Service, available through the Listee interface.
Payment Method — a payment method available to the User, including payment by bank card, electronic payment instrument, payment application, electronic wallet, or any other method available through the Payment Interface.
Payment Amount — the amount payable by the Buyer in connection with the purchase of a Product, including the price of the Product and any other amounts included in the payment instruction.
Product — goods, works, or services offered by a Seller for purchase through Listee, provided that the relevant item may be lawfully sold under the legislation of the Republic of Uzbekistan.
Electronic Confirmation — an electronic message, notification, receipt, record in a personal account, or other electronic document confirming the completion or result of a Payment Transaction.
Acceptance — the User’s full and unconditional acceptance of the terms of this Offer by performing the actions specified herein.
Authorization — the procedure for confirming the possibility of carrying out a payment transaction using the relevant payment instrument.
Verification — an additional procedure performed by the Payment Organization to verify the Client and the Card in order to reduce the risks of unauthorized/illegal Card transactions.
Refund — a transaction involving the full or partial return of funds to the User in connection with the cancellation, return, or adjustment of the relevant payment.
Listee — the Listee electronic marketplace that enables Users to search for, select, and purchase goods from Sellers and use available payment services. Listee is operated by LLC “Thara”, which, for the purposes of performing the Agreement, interacts with the Payment Organization, including arranging the Delivery Service and providing the Payment Organization with the information required to process Payment Transactions.
LLC Thara — the legal entity operating Listee, including arranging the Delivery Service and ensuring information and technological interaction with the Payment Organization for the purposes of performing the Agreement.
Listee Mobile Application — Listee software intended for use by Users on mobile devices.
Listee Website — the Internet resource located at: www.listee.uz.
Personal Data — information relating to an identified or identifiable individual, processed by the Payment Organization in connection with the conclusion and performance of the Agreement.
Payment Interface — a software interface, payment page, payment form, or other technological element of the Listee Website and/or Mobile Application through which the User creates and confirms a payment instruction.
Payment Transaction — a set of actions performed for the purpose of executing the User’s payment instruction.
Payment Organization — JSC Freedom Payments, a legal entity registered in the Republic of Uzbekistan and authorized to provide payment services in accordance with the legislation of the Republic of Uzbekistan and the license issued by the Central Bank of the Republic of Uzbekistan.
Payment System, PS — the Uzcard, Humo, Visa International, and Mastercard Worldwide payment systems.
Payment Service — a service provided by the Payment Organization in accordance with the legislation of the Republic of Uzbekistan, this Offer, and agreements concluded with settlement participants, related to the acceptance, processing, and/or execution of the User’s payment instruction.
User — an individual who uses the Listee Website and/or Mobile Application and accepts the terms of this Offer.
Buyer — a User who purchases a Product from a Seller through Listee and initiates a payment for such Product.
Seller — a registered User of the Website and/or Application who has posted a Listing and accepted the terms of the Listee Agreement. A Seller may be a fully legally capable individual who has reached the age of eighteen.
Business Day — a day that is not a weekend or public holiday under the legislation of the Republic of Uzbekistan.
Delivery Service — a set of services for delivering Shipments to the Buyer and returning them to the Seller, provided by the Listee Operator through Delivery Providers.
Delivery Provider — a legal entity and/or individual entrepreneur engaged by LLC Thara to provide transportation, acceptance, and delivery services for Shipments.
Delivery Service Agreement — an agreement in the form established by Listee governing the relationship between LLC Thara, the Buyer, and the Seller when using the Delivery Service, available through the Listee interface.
Payment Method — a payment method available to the User, including payment by bank card, electronic payment instrument, payment application, electronic wallet, or any other method available through the Payment Interface.
Payment Amount — the amount payable by the Buyer in connection with the purchase of a Product, including the price of the Product and any other amounts included in the payment instruction.
Product — goods, works, or services offered by a Seller for purchase through Listee, provided that the relevant item may be lawfully sold under the legislation of the Republic of Uzbekistan.
Electronic Confirmation — an electronic message, notification, receipt, record in a personal account, or other electronic document confirming the completion or result of a Payment Transaction.
2. General Provisions, Conclusion of the Agreement and Subject Matter of the Agreement
2.1. This Offer constitutes a public offer by the Payment Organization to enter into an Agreement for the provision of payment services with the User. The Agreement is concluded upon the User’s full acceptance of the terms of this Offer.
2.2. Acceptance of the Offer shall mean the User performing actions that clearly indicate acceptance of its terms and the intention to make a payment, including clicking the “Pay” button or another similar button, entering the required data and/or confirming the payment using an OTP code.
2.3. By accepting the Offer, the User confirms that they have read this Offer, accept its terms, and provide accurate information. The Agreement shall be deemed concluded from the moment the acceptance is recorded by the information system of Listee and/or the Payment Organization.
2.4. Under this Agreement, the Payment Organization provides the User with payment services related to the acceptance, processing, and execution of a payment instruction for the payment of Products on Listee and also processes refunds in the cases provided for herein.
2.5. The Payment Organization shall have the right to refuse to provide Services to the Client unilaterally and without explanation, including where the transaction parameters do not comply with the restrictions on transaction amounts and number of transactions established by the Payment Organization and/or the PS and/or applicable legislation of the Republic of Uzbekistan; where Client transactions are identified as having characteristics of unusual transactions or posing reputational and/or financial risks to the Payment Organization; or where the Payment Organization has reason to suspect that a transaction is being carried out in violation of the requirements of the legislation of the Republic of Uzbekistan and/or the rules of the PS.
2.6. If, at the time of Authorization, the sender’s (Buyer’s) Card does not have a sufficient available balance required to purchase goods and services on Listee, the Payment Organization shall not accept the Client’s Instruction for processing and shall not provide the Payment Organization’s Services. The Payment Organization shall not be liable for any fees charged by the recipient bank and/or the sender bank.
2.7. The Payment Organization is not the Seller of the Product and shall not be responsible for the terms of its sale, including its quality, price, delivery, and return. Such relations shall be governed between the User, the Seller, and/or Listee.
2.8. The current version of this Offer shall be made available electronically on the Listee Website or Mobile Application and shall be accessible to the User before the Payment Transaction is made.
2.9. The User agrees to receive notifications electronically using the contact details provided by the User when using Listee or the payment service.
2.10. Settlements under the Agreement shall be made exclusively in the currency of the Republic of Uzbekistan — Uzbek soum.
Technological Process for the Provision of Payment Services
2.11. The User instructs the Payment Organization to perform actions related to the debiting, separate accounting, transfer, and refund of funds as part of the provision of Payment Services in accordance with the procedure and within the time limits established by this Clause 2.11 of the Agreement, based on information received by the Payment Organization from Listee.
2.11.1. The procedure and time limits for Listee to provide the Payment Organization with the information specified in Clause 2.11 of the Agreement shall be determined by the agreement on information and technological interaction concluded between the Payment Organization and Listee.
Listee Delivery Service
2.12. Delivery Services to the Buyer shall be provided by Listee through Delivery Providers. The procedure for preparing, transferring, accepting, and returning Shipments, as well as the delivery time, shall be governed by the Delivery Service Agreement available through the Listee interface.
2.12.1. The Payment Organization is not a party to the Delivery Service Agreement, does not provide Delivery Services, and shall not be liable for the quality, timing, or procedure of delivery or for the safekeeping of the Shipment. Such matters shall be resolved by the User directly with Listee and/or the Delivery Provider.
2.12.2. The commencement of Delivery Services, the Buyer’s acceptance of the Shipment, and the grounds for returning the Shipment to the Seller shall be determined in accordance with the terms of the Delivery Service Agreement and recorded by Listee based on data provided by the Delivery Providers.
2.12.3. The information recorded by Listee in accordance with Clause 2.12.2 of the Agreement and provided to the Payment Organization shall constitute a sufficient and final basis for the Payment Organization to perform the actions provided for in Clause 2.11 of the Agreement. The Payment Organization shall not independently verify the accuracy of such information.
2.12.4. Listee’s remuneration for services related to arranging the Delivery Service and providing technical functionality shall be withheld from the Buyer’s Payment Amount and/or from the amount payable to the Seller in accordance with the procedure and in the amount determined by the Agreement with Listee. The Payment Organization does not determine the amount of such remuneration and shall not be liable for the procedure for its calculation or withholding.
2.12.5. In the event of loss, damage, or shortage of the Product during the provision of Delivery Services, the User’s claims shall be resolved with Listee and/or the Delivery Provider in accordance with the procedure established by the Delivery Service Agreement; the Payment Organization shall not be a party to such claims.
2.2. Acceptance of the Offer shall mean the User performing actions that clearly indicate acceptance of its terms and the intention to make a payment, including clicking the “Pay” button or another similar button, entering the required data and/or confirming the payment using an OTP code.
2.3. By accepting the Offer, the User confirms that they have read this Offer, accept its terms, and provide accurate information. The Agreement shall be deemed concluded from the moment the acceptance is recorded by the information system of Listee and/or the Payment Organization.
2.4. Under this Agreement, the Payment Organization provides the User with payment services related to the acceptance, processing, and execution of a payment instruction for the payment of Products on Listee and also processes refunds in the cases provided for herein.
2.5. The Payment Organization shall have the right to refuse to provide Services to the Client unilaterally and without explanation, including where the transaction parameters do not comply with the restrictions on transaction amounts and number of transactions established by the Payment Organization and/or the PS and/or applicable legislation of the Republic of Uzbekistan; where Client transactions are identified as having characteristics of unusual transactions or posing reputational and/or financial risks to the Payment Organization; or where the Payment Organization has reason to suspect that a transaction is being carried out in violation of the requirements of the legislation of the Republic of Uzbekistan and/or the rules of the PS.
2.6. If, at the time of Authorization, the sender’s (Buyer’s) Card does not have a sufficient available balance required to purchase goods and services on Listee, the Payment Organization shall not accept the Client’s Instruction for processing and shall not provide the Payment Organization’s Services. The Payment Organization shall not be liable for any fees charged by the recipient bank and/or the sender bank.
2.7. The Payment Organization is not the Seller of the Product and shall not be responsible for the terms of its sale, including its quality, price, delivery, and return. Such relations shall be governed between the User, the Seller, and/or Listee.
2.8. The current version of this Offer shall be made available electronically on the Listee Website or Mobile Application and shall be accessible to the User before the Payment Transaction is made.
2.9. The User agrees to receive notifications electronically using the contact details provided by the User when using Listee or the payment service.
2.10. Settlements under the Agreement shall be made exclusively in the currency of the Republic of Uzbekistan — Uzbek soum.
Technological Process for the Provision of Payment Services
2.11. The User instructs the Payment Organization to perform actions related to the debiting, separate accounting, transfer, and refund of funds as part of the provision of Payment Services in accordance with the procedure and within the time limits established by this Clause 2.11 of the Agreement, based on information received by the Payment Organization from Listee.
2.11.1. The procedure and time limits for Listee to provide the Payment Organization with the information specified in Clause 2.11 of the Agreement shall be determined by the agreement on information and technological interaction concluded between the Payment Organization and Listee.
Listee Delivery Service
2.12. Delivery Services to the Buyer shall be provided by Listee through Delivery Providers. The procedure for preparing, transferring, accepting, and returning Shipments, as well as the delivery time, shall be governed by the Delivery Service Agreement available through the Listee interface.
2.12.1. The Payment Organization is not a party to the Delivery Service Agreement, does not provide Delivery Services, and shall not be liable for the quality, timing, or procedure of delivery or for the safekeeping of the Shipment. Such matters shall be resolved by the User directly with Listee and/or the Delivery Provider.
2.12.2. The commencement of Delivery Services, the Buyer’s acceptance of the Shipment, and the grounds for returning the Shipment to the Seller shall be determined in accordance with the terms of the Delivery Service Agreement and recorded by Listee based on data provided by the Delivery Providers.
2.12.3. The information recorded by Listee in accordance with Clause 2.12.2 of the Agreement and provided to the Payment Organization shall constitute a sufficient and final basis for the Payment Organization to perform the actions provided for in Clause 2.11 of the Agreement. The Payment Organization shall not independently verify the accuracy of such information.
2.12.4. Listee’s remuneration for services related to arranging the Delivery Service and providing technical functionality shall be withheld from the Buyer’s Payment Amount and/or from the amount payable to the Seller in accordance with the procedure and in the amount determined by the Agreement with Listee. The Payment Organization does not determine the amount of such remuneration and shall not be liable for the procedure for its calculation or withholding.
2.12.5. In the event of loss, damage, or shortage of the Product during the provision of Delivery Services, the User’s claims shall be resolved with Listee and/or the Delivery Provider in accordance with the procedure established by the Delivery Service Agreement; the Payment Organization shall not be a party to such claims.
3. Rights and Obligations of the Parties
3.1. The Payment Organization shall have the right to:
3.2. The Payment Organization shall:
3.3. The User shall have the right to:
3.4. The User shall:
- process the Client’s Personal Data in accordance with and within the limits established by the legislation of the Republic of Uzbekistan, including its collection, systematization, storage, modification, supplementation, use, anonymization, blocking, and destruction, as well as transfer to third parties involved in the provision of payment services, solely in cases and for purposes permitted by law;
- accept and process payment instructions;
- establish technical and other restrictions in cases provided for by law;
- request additional information and documents;
- conduct identification and other checks required by law;
- suspend or refuse to process transactions;
- process refunds in the cases provided for herein;
- engage third parties and technology partners to provide payment services, where permitted by law;
- modify the technological procedure for providing services, subject to compliance with legal requirements;
- temporarily restrict access to certain payment functions during technical maintenance or in the event of security threats;
- exercise other rights provided for by law and this Agreement.
3.2. The Payment Organization shall:
- provide payment services in accordance with the legislation of the Republic of Uzbekistan;
- duly execute payment instructions accepted for execution;
- ensure the protection of information within the scope of its responsibility;
- maintain the confidentiality of information about the User and transactions performed by the User, except in cases provided for by law;
- provide the User with information on the result of the Payment Transaction;
- review Users’ inquiries and claims in accordance with the established procedure;
- comply with the requirements of authorized government authorities in the cases and manner prescribed by law.
3.3. The User shall have the right to:
- use the available payment services;
- receive information on the result of the Payment Transaction;
- receive information on the payment services provided, as required by law;
- submit inquiries and claims to the Payment Organization;
- request a refund in the cases and manner provided for by law and this Offer.
3.4. The User shall:
- provide accurate information;
- verify the Payment Amount and payment details before confirming the payment;
- not use payment services for unlawful purposes;
- not disclose confirmation codes, passwords, or other access credentials to third parties;
- immediately report any suspected unauthorized use of a payment instrument;
- comply with the requirements of the legislation of the Republic of Uzbekistan;
- independently ensure the security of their devices, credentials, and payment instruments;
- fulfill other obligations provided for by law and this Agreement.
4. Interaction with Listee
4.1. For the provision of payment services, the Payment Organization interacts with Listee through information and technology integration.
4.2. Listee provides the Payment Organization with the information necessary to create and execute the payment instruction.
4.3. The Payment Organization shall have the right to use the information received from Listee to the extent necessary to provide payment services and comply with legal requirements.
4.2. Listee provides the Payment Organization with the information necessary to create and execute the payment instruction.
4.3. The Payment Organization shall have the right to use the information received from Listee to the extent necessary to provide payment services and comply with legal requirements.
5. Refund Procedure
5.1. Funds may be refunded in the following cases:
5.2. The Payment Organization shall refund funds in accordance with the procedure and within the time limits established by the legislation of the Republic of Uzbekistan, the rules of the relevant payment system, and the applicable Payment Method.
5.3. As a general rule, the refund shall be made using the same Payment Method as the original payment, unless otherwise provided for by law or the technical capabilities of the relevant Payment Method.
5.4. Funds shall be refunded exclusively to the same payment instrument used for the relevant Payment Transaction, namely to the bank card used for the original payment, unless otherwise expressly provided for by the legislation of the Republic of Uzbekistan, the rules of the relevant payment system, or the technical requirements of the issuing bank.
- cancellation of an order;
- full or partial return of the Product;
- the Buyer’s withdrawal from the purchase of the Product in cases provided for by law;
- unavailability of the Product;
- cancellation of the order by the Seller or Listee;
- a technical error during payment processing;
- an erroneous debit;
- other cases provided for by law or the terms of sale of the Product.
5.2. The Payment Organization shall refund funds in accordance with the procedure and within the time limits established by the legislation of the Republic of Uzbekistan, the rules of the relevant payment system, and the applicable Payment Method.
5.3. As a general rule, the refund shall be made using the same Payment Method as the original payment, unless otherwise provided for by law or the technical capabilities of the relevant Payment Method.
5.4. Funds shall be refunded exclusively to the same payment instrument used for the relevant Payment Transaction, namely to the bank card used for the original payment, unless otherwise expressly provided for by the legislation of the Republic of Uzbekistan, the rules of the relevant payment system, or the technical requirements of the issuing bank.
6. Personal Data and Confidentiality
6.1. The Payment Organization processes the User’s Personal Data in accordance with the legislation of the Republic of Uzbekistan and the personal data processing policy applied by the Payment Organization.
6.2. Personal Data may be processed for the purposes of:
6.3. The User agrees to the transfer of the necessary data to Listee, the Seller, banks, payment systems, technology providers, and other participants in the Payment Transaction to the extent that such transfer is necessary to execute the Payment Transaction and is permitted by law.
6.4. The Payment Organization takes the necessary organizational and technical measures to protect the Personal Data being processed.
6.5. Personal Data shall be processed on the grounds and to the extent provided for by the legislation of the Republic of Uzbekistan.
6.2. Personal Data may be processed for the purposes of:
- concluding and performing this Agreement;
- identifying the User;
- processing Payment Transactions;
- preventing fraud;
- ensuring information security;
- complying with legal requirements;
- reviewing inquiries;
- complying with the requirements of authorized government authorities.
6.3. The User agrees to the transfer of the necessary data to Listee, the Seller, banks, payment systems, technology providers, and other participants in the Payment Transaction to the extent that such transfer is necessary to execute the Payment Transaction and is permitted by law.
6.4. The Payment Organization takes the necessary organizational and technical measures to protect the Personal Data being processed.
6.5. Personal Data shall be processed on the grounds and to the extent provided for by the legislation of the Republic of Uzbekistan.
7. Liability of the Parties
7.1. The Parties shall be liable for failure to perform or improper performance of their obligations under this Agreement in accordance with the legislation of the Republic of Uzbekistan.
7.2. The Payment Organization shall be liable for the improper provision of payment services within the limits established by law.
7.3. The Payment Organization shall not be liable for:
7.4. The Payment Organization shall not be liable for losses resulting from the User providing incorrect payment details or other inaccurate information, provided that the Payment Organization executed the payment instruction in accordance with the information received and applicable law.
7.5. The User shall be fully responsible for the authenticity and security of their Personal Data when entering such data on a device using unsecured connections or a device exposed to malware or malicious applications.
7.6. The Company shall not be liable for any losses incurred by the User as a result of the User’s failure to read and/or timely review the terms of the Offer.
7.7. The Company shall not be liable for improper performance of the Agreement if such failure is caused by circumstances beyond the Company’s control. The Company’s scope of control is limited solely to the proper functioning of the Payment Service and does not include liability for failures caused by third parties or resulting from prohibitions and restrictions imposed by government or judicial authorities.
7.2. The Payment Organization shall be liable for the improper provision of payment services within the limits established by law.
7.3. The Payment Organization shall not be liable for:
- the quality, safety, characteristics, completeness, or warranty service of the Product;
- actions or omissions of the Seller;
- the Seller’s breach of the terms of the sale and purchase agreement;
- Listee’s failure to fulfill its obligations to the User;
- delivery delays;
- inaccurate information about the Product provided by Listee or the Seller;
- inability to process a transaction due to circumstances beyond the control of the Payment Organization;
- violations by banks, payment systems, or other settlement participants, unless such violation is caused by the Payment Organization;
- actions of the User performed in violation of this Offer or applicable law.
7.4. The Payment Organization shall not be liable for losses resulting from the User providing incorrect payment details or other inaccurate information, provided that the Payment Organization executed the payment instruction in accordance with the information received and applicable law.
7.5. The User shall be fully responsible for the authenticity and security of their Personal Data when entering such data on a device using unsecured connections or a device exposed to malware or malicious applications.
7.6. The Company shall not be liable for any losses incurred by the User as a result of the User’s failure to read and/or timely review the terms of the Offer.
7.7. The Company shall not be liable for improper performance of the Agreement if such failure is caused by circumstances beyond the Company’s control. The Company’s scope of control is limited solely to the proper functioning of the Payment Service and does not include liability for failures caused by third parties or resulting from prohibitions and restrictions imposed by government or judicial authorities.
8. Unauthorized Transactions
8.1. The User shall immediately notify the Payment Organization of any Unauthorized Payment Transaction that becomes known to the User.
8.2. Upon receipt of the relevant notification, the Payment Organization shall investigate the circumstances of the transaction in accordance with the procedure established by law and its internal procedures.
8.3. The User shall take all necessary measures to protect their payment instruments, device, and means of identification.
8.2. Upon receipt of the relevant notification, the Payment Organization shall investigate the circumstances of the transaction in accordance with the procedure established by law and its internal procedures.
8.3. The User shall take all necessary measures to protect their payment instruments, device, and means of identification.
9. Circumstances Beyond the Control of the Parties
9.1. The Parties shall be released from liability for failure to perform their obligations if such failure is caused by circumstances that the Parties could not reasonably have foreseen or prevented.
9.2. Such circumstances may include:
9.3. The Payment Organization shall take reasonable measures to restore the operation of the payment services after the causes of the relevant failure have been eliminated.
9.2. Such circumstances may include:
- natural disasters;
- fires;
- accidents;
- power outages;
- disruptions to communication networks;
- large-scale technical failures;
- actions of government authorities;
- cyberattacks;
- other circumstances beyond the reasonable control of a Party.
9.3. The Payment Organization shall take reasonable measures to restore the operation of the payment services after the causes of the relevant failure have been eliminated.
10. Amendments to the Offer
10.1. The Payment Organization shall have the right to amend this Offer subject to compliance with the requirements of the legislation of the Republic of Uzbekistan.
10.2. A new version of the Offer shall enter into force on the date specified therein, unless otherwise provided by law.
10.3. Amendments shall be published by posting a new version of the Offer in the Listee interface.
10.4. Amendments to the terms of this Offer shall not apply to Payment Transactions that were fully completed before the relevant amendments entered into force.
10.5. Continued use of the payment services after a new version of the Offer enters into force shall constitute the User’s acceptance of its terms, provided that such procedure is permitted by law.
10.2. A new version of the Offer shall enter into force on the date specified therein, unless otherwise provided by law.
10.3. Amendments shall be published by posting a new version of the Offer in the Listee interface.
10.4. Amendments to the terms of this Offer shall not apply to Payment Transactions that were fully completed before the relevant amendments entered into force.
10.5. Continued use of the payment services after a new version of the Offer enters into force shall constitute the User’s acceptance of its terms, provided that such procedure is permitted by law.
11. Dispute Resolution
11.1. This Agreement shall be governed by the legislation of the Republic of Uzbekistan.
11.2. All disputes and disagreements arising out of or in connection with this Agreement shall be resolved through negotiations and the submission of an inquiry/claim.
An inquiry/claim may be submitted:
11.3. If a dispute cannot be resolved through negotiations, it shall be referred to a competent court of the Republic of Uzbekistan in accordance with the procedure established by law.
11.4. Nothing in this Section shall limit the rights granted to the User by the mandatory provisions of the legislation of the Republic of Uzbekistan.
11.5. Matters relating exclusively to the quality, characteristics, delivery, or return of the Product, as well as the actions of the Seller, shall be handled by Listee and/or the relevant Seller, unless otherwise provided by law.
11.2. All disputes and disagreements arising out of or in connection with this Agreement shall be resolved through negotiations and the submission of an inquiry/claim.
An inquiry/claim may be submitted:
- by email: support@freedompay.uz;
- to the following address: Office 301, 23A Taras Shevchenko St., Mirabad District, Tashkent.
11.3. If a dispute cannot be resolved through negotiations, it shall be referred to a competent court of the Republic of Uzbekistan in accordance with the procedure established by law.
11.4. Nothing in this Section shall limit the rights granted to the User by the mandatory provisions of the legislation of the Republic of Uzbekistan.
11.5. Matters relating exclusively to the quality, characteristics, delivery, or return of the Product, as well as the actions of the Seller, shall be handled by Listee and/or the relevant Seller, unless otherwise provided by law.
12. Final Provisions
12.1. This Offer shall enter into force on the date of its publication, unless otherwise expressly specified in the Offer.
12.2. If any provision of this Offer is deemed invalid or unenforceable, this shall not affect the validity of the remaining provisions.
12.3. In all matters not expressly governed by this Offer, the Parties shall be guided by the legislation of the Republic of Uzbekistan.
12.4. The User confirms that, prior to Acceptance, they were given the opportunity to review this Offer.
12.5. By accepting this Offer, the User confirms that they understand and accept its terms in full.
12.2. If any provision of this Offer is deemed invalid or unenforceable, this shall not affect the validity of the remaining provisions.
12.3. In all matters not expressly governed by this Offer, the Parties shall be guided by the legislation of the Republic of Uzbekistan.
12.4. The User confirms that, prior to Acceptance, they were given the opportunity to review this Offer.
12.5. By accepting this Offer, the User confirms that they understand and accept its terms in full.
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Consent to the Collection and Processing of Personal Data
1. General Provisions
JSC "FREEDOM PAYMENTS" (hereinafter referred to as the "Operator"), as part of its core business activities, collects, processes, and stores personal data of various categories of data subjects, including through the Operator's websites that link to this "Policy Regarding the Processing and Ensuring the Security of the Operator's Personal Data" (hereinafter referred to as the "Policy"). In accordance with the current legislation of the Republic of Uzbekistan, the Operator also acts as a personal data operator. When organizing and implementing the processing of personal data, the Operator is guided by the Law of the Republic of Uzbekistan No. ZRU-547 dated July 2, 2019, "On Personal Data" and other regulatory legal acts adopted in accordance with it. For the purposes of this Policy, personal data means any information provided via internet websites to the Operator and/or collected using such internet websites, relating to a directly or indirectly identified or identifiable individual (the data subject).
2. Collection of Personal Data
The Operator collects information through internet websites in the following ways:
The Operator may use third-party internet services (third-party technologies) to organize the collection of statistical personal data; these third-party services ensure the storage of the obtained data on their own servers. The Operator is not responsible for the localization of third-party internet service servers. At the same time, such third-party internet services installed on the Site may set and read cookies from the browsers of the Site’s end-users to collect information during advertising activities on the Site. The procedure for collecting and using data by such third-party services is determined independently by those services, and they bear direct responsibility for compliance with this procedure and the use of the data they collect, including compliance with the legislation of the Republic of Uzbekistan.
The Operator does not cross-reference information provided independently by the user that allows for the identification of the data subject with statistical personal data obtained through such passive collection methods.
3. Principles and Conditions for Processing Personal Data
The processing of personal data by the Operator is carried out in strict accordance with the requirements of the legislation of the Republic of Uzbekistan and is limited to achieving specific, predetermined, and legally justified goals, including compliance with the Rules for the implementation of activities of the payment organization JSC "FREEDOM PAYMENTS." Only personal data that meets the purposes of its processing is subject to processing. The content and scope of the personal data processed by the Operator correspond to the stated processing purposes; the processing of excessive personal data is not permitted. The Operator ensures the accuracy, sufficiency, and, where necessary, relevance of personal data in relation to the purposes of processing. The Operator takes necessary measures to delete or clarify incomplete or inaccurate data. The Operator may provide and/or delegate the processing of personal data to another person with the consent of the data subject, unless otherwise provided by the legislation of the Republic of Uzbekistan. A mandatory condition for such delegation is the obligation of the parties to maintain confidentiality and ensure the security of the personal data. The terms for processing personal data are determined in accordance with the purposes for which they were collected.
4. Rights of the Data Subject
The data subject has the right to:
5. Implementation of Personal Data Protection Requirements
To maintain its business reputation and ensure compliance with the laws of the Republic of Uzbekistan, the Operator considers it a priority to ensure the legitimacy of personal data processing and provide an appropriate level of security. The Operator requires other persons who have gained access to personal data not to disclose it to third parties or distribute it without the consent of the data subject, unless otherwise provided by law. The Operator takes necessary legal, organizational, and technical measures to protect personal data from unauthorized or accidental access, destruction, modification, blocking, copying, distribution, or other illegal actions. The Operator ensures that all organizational and technical protection measures are carried out on legal grounds. To ensure adequate protection, the Operator conducts harm assessments and identifies current threats to the security of personal data in information systems. In accordance with identified threats, the Operator applies security measures including the use of information protection tools, detection of unauthorized access, restoration of data, access restriction, and monitoring the effectiveness of security measures. The Operator's management encourages the continuous improvement of the personal data protection system. Responsible persons have been appointed for the organization of processing and security. Every new employee directly involved in processing data is familiarized with the requirements of the legislation of the Republic of Uzbekistan and this Policy.
6. Consent of the Data Subject
JSC "FREEDOM PAYMENTS" (hereinafter referred to as the "Operator"), as part of its core business activities, collects, processes, and stores personal data of various categories of data subjects, including through the Operator's websites that link to this "Policy Regarding the Processing and Ensuring the Security of the Operator's Personal Data" (hereinafter referred to as the "Policy"). In accordance with the current legislation of the Republic of Uzbekistan, the Operator also acts as a personal data operator. When organizing and implementing the processing of personal data, the Operator is guided by the Law of the Republic of Uzbekistan No. ZRU-547 dated July 2, 2019, "On Personal Data" and other regulatory legal acts adopted in accordance with it. For the purposes of this Policy, personal data means any information provided via internet websites to the Operator and/or collected using such internet websites, relating to a directly or indirectly identified or identifiable individual (the data subject).
2. Collection of Personal Data
The Operator collects information through internet websites in the following ways:
- Personal data provided by users: The Operator collects personal data entered into data fields on the Operator's websites by the users themselves or by other persons on their behalf.
- Collection of users' IP addresses and cookies.
- Passive collection of personal data regarding the current connection in terms of statistical information (at the Operator's discretion):
- User identifier assigned by the Site;
- Pages visited;
- Number of page visits;
- Information on movement through site pages;
- Duration of the user session;
- Entry points (third-party sites from which the user follows a link to the Site);
- Exit points (links on the Site through which the user navigates to third-party sites);
- User's country and region;
- Time zone set on the user's device;
- User's internet service provider;
- User's browser;
- Browser digital fingerprint (canvas fingerprint);
- Available browser fonts and installed browser plugins;
- Browser WebGL parameters;
- Type of available media devices in the browser;
- Presence of ActiveX;
- List of supported languages on the user's device;
- Processor architecture of the user's device;
- User's Operating System (OS);
- Screen parameters (resolution, color depth, page layout parameters on the screen);
- Information on the use of automation tools when accessing the Site.
The Operator may use third-party internet services (third-party technologies) to organize the collection of statistical personal data; these third-party services ensure the storage of the obtained data on their own servers. The Operator is not responsible for the localization of third-party internet service servers. At the same time, such third-party internet services installed on the Site may set and read cookies from the browsers of the Site’s end-users to collect information during advertising activities on the Site. The procedure for collecting and using data by such third-party services is determined independently by those services, and they bear direct responsibility for compliance with this procedure and the use of the data they collect, including compliance with the legislation of the Republic of Uzbekistan.
The Operator does not cross-reference information provided independently by the user that allows for the identification of the data subject with statistical personal data obtained through such passive collection methods.
3. Principles and Conditions for Processing Personal Data
The processing of personal data by the Operator is carried out in strict accordance with the requirements of the legislation of the Republic of Uzbekistan and is limited to achieving specific, predetermined, and legally justified goals, including compliance with the Rules for the implementation of activities of the payment organization JSC "FREEDOM PAYMENTS." Only personal data that meets the purposes of its processing is subject to processing. The content and scope of the personal data processed by the Operator correspond to the stated processing purposes; the processing of excessive personal data is not permitted. The Operator ensures the accuracy, sufficiency, and, where necessary, relevance of personal data in relation to the purposes of processing. The Operator takes necessary measures to delete or clarify incomplete or inaccurate data. The Operator may provide and/or delegate the processing of personal data to another person with the consent of the data subject, unless otherwise provided by the legislation of the Republic of Uzbekistan. A mandatory condition for such delegation is the obligation of the parties to maintain confidentiality and ensure the security of the personal data. The terms for processing personal data are determined in accordance with the purposes for which they were collected.
4. Rights of the Data Subject
The data subject has the right to:
- Request clarification, blocking, or destruction of their personal data if the data is incomplete, outdated, inaccurate, unlawfully obtained, or unnecessary for the stated purpose of processing;
- Request a list of their personal data processed and stored by the Operator and the source of its acquisition;
- Receive information regarding the terms of processing of their personal data, including storage periods;
- Demand notification of all persons to whom incorrect or incomplete personal data was previously disclosed regarding all exclusions, corrections, or additions made;
- Appeal against unlawful actions or omissions in the processing of their personal data to the authorized body for the protection of the rights of data subjects or through judicial proceedings;
- Protect their rights and legitimate interests, including claims for damages and/or compensation for moral harm through the courts. The Operator is not responsible for inaccurate information provided by the data subject.
5. Implementation of Personal Data Protection Requirements
To maintain its business reputation and ensure compliance with the laws of the Republic of Uzbekistan, the Operator considers it a priority to ensure the legitimacy of personal data processing and provide an appropriate level of security. The Operator requires other persons who have gained access to personal data not to disclose it to third parties or distribute it without the consent of the data subject, unless otherwise provided by law. The Operator takes necessary legal, organizational, and technical measures to protect personal data from unauthorized or accidental access, destruction, modification, blocking, copying, distribution, or other illegal actions. The Operator ensures that all organizational and technical protection measures are carried out on legal grounds. To ensure adequate protection, the Operator conducts harm assessments and identifies current threats to the security of personal data in information systems. In accordance with identified threats, the Operator applies security measures including the use of information protection tools, detection of unauthorized access, restoration of data, access restriction, and monitoring the effectiveness of security measures. The Operator's management encourages the continuous improvement of the personal data protection system. Responsible persons have been appointed for the organization of processing and security. Every new employee directly involved in processing data is familiarized with the requirements of the legislation of the Republic of Uzbekistan and this Policy.
6. Consent of the Data Subject
The data subject hereby gives consent to the collection and processing of personal data for the purpose of the Operator providing services, as well as to the transfer and cross-border transfer of the data subject's personal data in accordance with applicable legislation.
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How do I manage cookies?
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Final Terms
At our sole discretion, we may change this Notice from time to time.
If you have any questions, we can be contacted using the contacts on our website.
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