The State Savings Bank of the Republic of Tajikistan "Amonatbonk", hereinafter referred to as the "Bank", acting under its Charter, offers services for using the mobile application "AmonatMobile" to any individual, hereinafter referred to as the "Client".

The text of this Offer constitutes an official public proposal of the State Savings Bank of the Republic of Tajikistan "Amonatbonk" to conclude a Service Agreement in accordance with Part 2 of Article 469 of the Civil Code of the Republic of Tajikistan.

The Service Agreement shall be considered concluded and shall become effective from the moment the Client performs the actions provided for in this Offer, which signify unconditional acceptance of all terms and conditions of this Offer without any reservations or limitations.

The current version of this Offer is available on the Bank's website: https://www.amonatbonk.tj

1. Terms and Definitions

1.1. The following terms are used in this Offer Agreement:

Bank – The State Savings Bank of the Republic of Tajikistan "Amonatbonk", a legal entity duly registered and providing settlement, technological, and informational support for the service.

Partner – Individuals and/or legal entities performing work, providing services, or selling goods.

AmonatMobile – A mobile application installed on the Client’s mobile device and used for data transmission and access to banking services.

Client – An individual who has accepted the terms of this Agreement through acceptance and subsequent registration in the AmonatMobile application.

Participants in Settlements – The Parties to the Agreement and other persons directly involved in the payment process.

Application Users – Partners who have entered into relevant agreements with the Bank regarding the use of the application, as well as Clients who have accepted the terms of this Offer Agreement.

Application Usage Rules – Mandatory instructions for users regarding the use of the Application, published on the Application server and on the Bank's website: www.amonatbonk.tj

Service – Actions performed by the Bank upon the Client’s instructions, including the provision of a financial document confirming payment in the form of an SMS notification or a payment receipt sent via e-mail.

Bank Commission – A commission fee established in the Tariffs and charged by the Bank for services rendered under this Agreement.

Card Account – A bank card issued by the Bank in the name of the Holder or another person, enabling payments for goods, services, and works provided by Partners.

Card Details – The card number, cardholder's first and last name, card expiration date, and CVC2/CVV2 security code.

Electronic Wallet – A specialized software application or online service that allows users to store electronic funds and perform electronic transactions for services rendered.

Bank Website – The official website located at: https://amonatbonk.tj where information about the Bank and its Services is published.

2. Subject of the Agreement

2.1. The Bank provides the Client with services for using the AmonatMobile application to manage card accounts and electronic wallets, while the Client uses the services in accordance with the terms of this Agreement and pays for them according to the financial conditions established herein.

2.2. Unconditional acceptance of this Agreement shall be considered the lawful receipt of access credentials to the Application and/or its individual services, registration on the Bank’s website or within the AmonatMobile application, and/or the Client’s execution of a payment for services.

The Client's acceptance of this Agreement confirms that the Client agrees with all provisions of this Agreement and all annexes thereto.

2.3. The Client acknowledges the possibility of additional fees charged by the financial institution servicing the Payment Recipient and undertakes to independently settle any related obligations with such recipients.

4. Rights and Obligations of the Parties

4.1. The Bank shall:

a) Accept electronic instructions from the Client and transfer funds to the payment recipient's details specified by the Client.

b) Make payments for goods, services, and works provided by Partners on behalf of the Client using the Client's card account or electronic wallet.

c) Provide the Client with the requested banking services in accordance with the applicable Tariffs.

d) Notify the Client of any changes to the Tariffs, Application Usage Rules, and this Agreement no later than seven (7) calendar days before such changes take effect by publishing relevant information on the Bank's website.

e) Ensure the accuracy of payments made by the Client. In the event of changes to Partners' banking details, updated information shall be published on the Bank's website.

f) Maintain confidentiality regarding the Client's personal data and other information related to the Client, except where disclosure is required by law or authorized by the Client.

g) Ensure the acceptance and transmission of data strictly in accordance with the requirements of Electronic Signature Authentication (ESA).

4.2. The Bank has the right to:

a) Suspend the provision of Services if the Client's card account balance is zero.

b) Unilaterally amend Tariffs, the text of this Agreement, and introduce new annexes to this Agreement by publishing them on the Bank's website.

Continued use of the Services within seven (7) days after publication of amendments shall constitute acceptance of such amendments by the Client.

c) Temporarily suspend Services for scheduled maintenance and repair work on the Bank's equipment, provided that Clients are notified at least twenty-four (24) hours in advance.

d) Terminate the provision of Services and cancel this Agreement if the Client violates any obligation specified in this Agreement.

e) Refuse to transfer funds from the User's electronic wallet back to the Client's bank card.

f) Suspend the provision of remote banking services if suspicious transactions are detected until the Client provides written explanations regarding the legality of such transactions.

g) Charge the Client the applicable Bank Commission in accordance with the Tariffs.

h) Notify the Client through the electronic wallet if a payment cannot be completed due to reasons beyond the Bank's control, including incorrect information provided by the Client.

4.3. The Client shall:

a) Maintain a positive balance on their card account and make timely payments in accordance with the financial conditions established by this Agreement.

b) Comply with all requirements and conditions for receiving Services as specified in this Agreement and its annexes.

c) Correctly deposit and transfer funds and bear full responsibility for any erroneous deposits or transfers.

d) Use the Bank's Services only for lawful purposes and not hold the Bank responsible for any losses suffered by the Client or third parties as a result of the Client's use of the Application.

e) Regularly review amendments to this Agreement, Tariffs, and other technological or organizational changes published on the Bank's website.

f) Bear all costs related to incoming SMS messages and internet traffic incurred while using the AmonatMobile application.

g) Maintain strict confidentiality of personal identification information, including PIN codes and passwords, and not disclose them to third parties.

h) In the event of loss or theft of a mobile device, immediately contact the Bank's technical support service and request account blocking after confirming identity and security information.

i) Remove the Application from the old device upon purchasing a new mobile device.

j) Complete a new registration procedure if the PIN code has been forgotten.

k) Properly manage funds stored on both the card account and the electronic wallet and bear responsibility for transfers made between them.

4.4. The Client has the right to:

a) Modify, independently or with the assistance of the Bank, the list and type of requested Services within the scope of this Agreement.

b) Retain financial documents confirming payments made through the Services.

c) Receive complete financial reports regarding the movement of funds in their card account.

d) Use funds stored in the electronic wallet and make payments for services available through the system.

e) Provide the Bank with all necessary information and supporting documents regarding transactions when requested by the Bank for compliance and verification purposes.

5. Cost of Services and Payment Procedure

5.1. The cost of services provided under this Agreement shall be determined in accordance with the Tariffs effective at the time the service is rendered and published on the Bank’s website.

5.2. Access to the Services shall be granted only if the Client maintains a positive balance on the card account and during the validity period of the funds available on such account.

5.3. Payment for Services shall be made through non-cash settlements.

5.4. Accounting of requested Services and monitoring of the correctness and timeliness of payments shall be carried out automatically using the Bank’s software and information systems.

5.5. The rules governing tariff calculation and the preparation of financial documentation for the Client shall be determined independently by the Bank.

5.6. The Bank shall not charge any additional fees except those specified in Clause 5.1 of this Agreement.

6. Termination of Access to Services

6.1. The Bank shall have the right to terminate the Client’s access to Partner payment services and other Services, either in whole or in part, without prior notice if the Client’s card account balance is zero.

Information regarding the zero balance displayed in the Client’s personal account shall constitute sufficient notice of service suspension.

6.2. The Bank shall have the right to terminate access to Services without prior notice if the Client engages in actions that the Bank reasonably considers to violate the rules governing the use of the Services, including those contained in this Agreement and its annexes.

6.3. Upon termination of access to the Services, the Bank shall not be responsible for notifying any third parties regarding such termination or for any consequences arising from such notification or lack thereof.

6.4. Access may also be terminated in other cases provided for by the legislation of the Republic of Tajikistan.

7. Limitation of Liability

7.1. The Bank does not guarantee uninterrupted or error-free operation of the Application and does not warrant that the software or any related materials are free from viruses or other harmful components. The Bank shall take all reasonable measures to prevent such issues.

7.2. The Bank shall not be liable for any expenses incurred by the Client or any damages suffered by the Client resulting directly or indirectly from the use of the Application.

7.3. The Bank shall not be liable for any losses resulting from incorrect deposits or transfers made by the Client.

7.4. Under no circumstances shall the Bank be liable for direct or indirect damages incurred by the Client as a result of using or being unable to use the Services due to errors, interruptions, omissions, or other circumstances beyond the Bank’s control.

7.5. The Bank shall not be liable for any incidental, consequential, or special damages, including loss of income or savings, arising from actions of the Client toward third parties.

7.6. The Bank shall not be responsible for the quality of public communication channels through which access to the Application is provided, nor for the functioning of network segments beyond the Bank’s control.

7.7. The Client assumes full responsibility and risks associated with the use of Services provided by Partners.

7.8. The Client is solely responsible for safeguarding identification data, access codes, passwords, and other credentials. The Bank shall not compensate for losses arising from unauthorized use of such information.

7.9. The Client shall be fully responsible for all requests submitted through the Application and all actions performed using the Client’s identification credentials.

7.10. The Client agrees not to hold the Bank liable for obligations or expenses arising from temporary inability to access the Application or from unauthorized use of the Client’s authentication credentials.

7.11. The Bank’s financial liability to the Client shall be limited to the value of Services paid for but not provided by the Bank.

7.12. The Bank warns the Client that intentional or accidental actions performed through the Application or Internet access may violate laws of other jurisdictions. The Bank shall not be liable for such violations.

7.13. The Client shall not use the provided resources to launch software that may disrupt the operation of computers, networks, software, or network devices, or gain unauthorized access to third-party information resources.

7.14. In all matters not covered by this Agreement, the Parties shall be governed by the legislation of the Republic of Tajikistan.

7.15. The Bank shall not be liable for transfers made by the Client from a bank card to an electronic wallet.

7.16. Authentication data used under this Agreement shall be recognized by the Parties as an equivalent of a handwritten signature.

7.17. The Parties acknowledge that instructions authenticated by means of electronic authentication generate legal consequences equivalent to documents signed personally by the Client.

8. Procedure for Handling Claims and Disputes

8.1. Claims related to the Services shall be accepted by the Bank only in written form and no later than three (3) calendar days from the date the disputed situation arose.

Claims requiring no additional investigation shall be reviewed within fifteen (15) days from registration. Other claims shall be reviewed within thirty (30) days.

8.2. Users of the Application shall bear responsibility for untimely or improper fulfillment of their obligations in accordance with the legislation of the Republic of Tajikistan.

8.3. The Parties shall make every effort to resolve disputes through negotiations and amicable settlement procedures. If no agreement is reached, disputes shall be resolved in court.

9. Term of the Agreement, Amendments, and Termination

9.1. This Agreement shall become effective from the moment the Client registers in the Application.

9.2. This Agreement and its annexes constitute official documents of the Bank. The current version of each document is published on the Bank’s website: www.amonatbonk.tj.

9.3. The Bank may unilaterally amend the Tariffs, Regulations, and the text of this Agreement, as well as introduce new annexes to this Agreement by publishing them on the Bank’s website.

Continued use of the Services for seven (7) days following publication of such amendments shall be deemed acceptance of all changes and additions by the Client.

9.4. The Bank shall not be liable for notifying or failing to notify third parties regarding the termination of this Agreement or for any consequences resulting from such notification or lack thereof.

9.5. The list of Services provided under this Agreement is not exhaustive. Additional services may be offered to the Client upon conclusion of supplementary agreements.

9.6. If suspicious transactions involving remote banking services are detected, the Bank shall have the right to suspend such services for a period of three (3) days.

9.7. If there are reasonable grounds to suspect that remote banking services are being used for money laundering or terrorist financing purposes, the Bank shall have the right to unilaterally terminate this Agreement and discontinue the provision of such services.

10. Force Majeure

10.1. In the event of force majeure circumstances beyond the reasonable control of the Parties, including but not limited to natural disasters, adverse weather conditions, social disturbances, governmental actions, or other extraordinary events occurring after the conclusion of this Agreement and preventing its proper performance, failure to fulfill contractual obligations shall not be considered a breach of this Agreement.

The deadlines for fulfillment of obligations shall be extended for the duration of the force majeure circumstances.

10.2. Upon becoming aware of force majeure circumstances, the Bank shall notify Application Users within five (5) business days by publishing relevant information on the Bank’s website: www.amonatbonk.tj.

11. Special Conditions

11.1. All documents executed within the framework of this Agreement shall be considered valid and shall be recognized by the Parties as original documents.