User Agreement

This User Agreement (hereinafter referred to as the Agreement) regulates the relations between the owner of Apofiz (hereinafter referred to as the Administration) and the User of the Site, including the Bank's Partner, the Courier Service and the Bank.

The site is not a mass media outlet.

By using the application and the website, you agree to the terms of this agreement.

• Apofiz — is a Trade and social network, an Integration platform for the placement of goods and / or services of Users (Partners), a technical solution designed for the integration of software and hardware complexes, Partner's (organization's) provisions on Apofiz.
• Bank — a bank that provides services to a Partner (an organization on Apofiz) and a Buyer (an Apofiz User).
• Order — the provision by the Buyer of an instruction using a Means of Payment for the payment of Goods by non-cash or cash method.
• A communication channel — is one of the means of transmitting information: e-mail (email), postal communication, SMS message, fax, message on Apofiz, in a mobile application or other electronic form.
• Courier service — Courier delivery of inventory items to the consignee using courier services.
• Courier delivery — delivery of goods and / or services from the partner to the buyer by means of a courier service.
• Personal Account — is the information space of a Partner in his Organization on the Apofiz resource, allocated on Apofiz, a resource that is accessed by entering a username and password.
• Partner — Apofiz User (individual, legal entity/individual entrepreneur selling the Product/Services).
• The Buyer — is an individual who is a customer of the Bank and purchases Goods from a Partner.
• QR code and / or user ID — is a technology for providing access to the services of Apofiz, Partners, which allows identifying participants in purchases and sales of Goods/services, ensuring payment for Goods/services through the Bank, using data from the Apofiz resource, including the loyalty system and other Apofiz services.

• 1.1. The Administration grants the User the right to post the following information on the website and the application:
  • Personal data about the User;
  • Materials about the organization;
  • Photo materials;
  • Links to materials posted on other sites;
  • Localization and placement on the map;
  • Goods and services;
  • Prices for goods and services;
  • Information posts.
• 1.2. All information and data contained on Apofiz and its sections, including on the purchase of Goods, etc., are for informational purposes and are not a public offer.
• 1.3. The Partner's Personal Account is logged in according to the procedure defined on Apofiz and / or the mobile application.
• 1.4. Administration (Apofiz):
  • 1.4.1 Carries out a marketing campaign (promotion of Partners);
  • 1.4.2 Places logos and information about the Partner on Apofiz, in the mobile application and advertising materials;
  • 1.4.3 Provides reporting within the Apofiz resource in the form and forms posted on Apofiz, in a mobile application. Performs data processing, provides the infrastructure for their placement;
  • 1.4.4 Provides the necessary information on Apofiz in the mobile application for the purposes of training the Partner's employees on the operation of the Apofiz Website and mobile application, including by QR code and / or user ID;
  • 1.4.5 Provides technical support and provides information about the work, Apofiz of the Website and mobile application;
  • 1.4.6 Organizes the possibility of access to a loan from Buyers for the purchase of Goods with the participation of the Bank.

• 2.1. The User has the right to:
  • search for information on the Apofiz website and in the application;
  • receive information on the Apofiz website and in the app;
  • create information for the Apofiz website and application;
  • distribute information on the Apofiz website and in the application;
  • copy information to other sites with the source specified;
  • use the site information for personal, non-commercial purposes;
  • use the site information for commercial purposes with the permission of the copyright holders;
  • provide goods and services;
  • post information about products and services;
  • create organizations;
  • create partnerships between your organizations;
  • create partnerships with Banks;
  • create partnerships with Courier services.
• 2.2. The Administration has the right to:
  • at its own discretion and if necessary, create, change, cancel Rules for partners;
  • restrict access to any information on the website and in the application;
  • create, change, delete information;
  • delete accounts;
  • refuse to register without explaining the reasons.
• 2.3. The User undertakes to:
  • ensure the accuracy of the information provided;
  • ensure the safety of personal data from access by third parties;
  • update the Personal Data provided during registration, if they change;
  • not to disseminate information that is aimed at propaganda of war, inciting national, racial or religious hatred and enmity, as well as other information for the dissemination of which criminal or administrative responsibility is provided;
  • do not disrupt the functionality of the site and application;
  • do not perform actions aimed at misleading other Users;
  • do not transfer your account and/or login and password of your account to third parties for use;
  • do not post advertising, erotic, pornographic or offensive materials, as well as other information, the placement of which is prohibited or contradicts the norms of the current legislation;
  • do not use scripts (programs) for automated collection of information and / or interaction with the Site and its Services.
• 2.4. The Administration undertakes to:
  • maintain the functionality of the site, except in cases when this is impossible for reasons beyond the control of the Administration;
  • provide comprehensive protection of the User account;
  • protect information whose dissemination is restricted or prohibited by laws by issuing a warning or deleting the account of a user who has violated the rules.
• 2.5. The Bank's Partner has the right to:
  • 2.5.1 Use the data of your organization, including changing the form, appearance, presentation of results, save them to a local medium in accordance with the functionality (capabilities) provided by Apofiz, in accordance with the terms of this agreement, as well as other documents posted for the Partner on Apofiz.
  • 2.5.2 Provide information about your participation on Apofiz when advertising and marketing promotion of the Partner organization, use the logo, means of individualization and other materials provided by Apofiz and/or the Bank for the purpose of marking your participation on Apofiz.
  • 2.5.3 To promote organizations on Apofiz.
  • 2.5.4 Post information about the product and / or services on Apofiz in accordance with the terms of this agreement, as well as other documents posted for the Partner on Apofiz.
  • 2.5.5 Transfer its rights and obligations under this agreement to another person in whole or in part with the possibility of transferring full rights to the organization, but not without the right to release the Bank for its positions and obligations to the Bank.
• 2.6. The Bank's Partner undertakes to:
  • 2.6.1 Comply with the requirements of Apofiz when placing, selling Goods through Apofiz or Partner outlets and selling Goods using the Bank's Payment Method.
  • 2.6.2 Comply with all the terms of this agreement and the documents posted on Apofiz, links to which are contained on Apofiz.
  • 2.6.3 In each retail outlet, place the Apofiz and/or Bank logo provided by Apofiz on the entrance doors (in their absence – in a place visible to Buyers), the cash zone, for the purpose of indicating their participation in Apofiz for Buyers.
  • 2.6.4 Comply with this agreement and other documents posted or signed with the Bank.
  • 2.6.5 Use the Buyer's personal data obtained under this agreement exclusively for the purposes of executing this agreement concluded by the Partner with the Buyer when placing an Order by the Buyer. Other use of personal data of Buyers is not allowed.
  • 2.6.6 To provide the opportunity for Buyers to purchase Goods through Apofiz and in all retail outlets, including newly opened ones.
  • 2.6.7 When opening a new or closing a partner organization, notify the Bank 5 days before the date of its opening/closing.
  • 2.6.8 Ensure that there is no difference in the cost of the same Product (including discounts, promotions) purchased using one of the Bank's Payment Methods compared to other payment methods, do not establish any other additional conditions or restrictions when the Buyer pays for Goods using one of the Bank's Payment Methods.
  • 2.6.9 Not to allow incorrect comparison of Services, Means of payment, with similar services, other subjects of Apofiz, including providing Customers with false information in any way.
  • 2.6.10 To provide, at the request of Apofiz / the Bank, all the necessary documents confirming the fact of the sale of the Goods to the Buyer.
  • 2.6.11 Timely pay for Services under the Agreement and penalties for violation of its terms concluded with the Bank.
  • 2.6.12 Not to copy in any way in any form, as well as to change, supplement, reproduce or distribute for any purpose the content (information, program code, etc.) of Apofiz, the Bank's Means of Payment in whole or in part.
  • 2.6.13 To carry out free storage of the Goods selected by the Buyer until the full payment of the cost of the Goods and the transfer of the Goods to the Buyer or until the expiration of the storage period of the reserved Goods according to the Agreement with the Bank.
  • 2.6.14 Not to transfer their rights and obligations under the Agreement to another person in whole or in part, as well as not to allow the transfer of powers to exercise / perform rights / obligations, and perform any other actions under the Agreement to persons who are not employees of the Partner, not to allow any other persons other than employees of the Partner to use their Personal Account, not to use the personal accounts of other Apofiz partners, and not to grant access to their Personal Account to a person who has access to the personal account of another partner on Apofiz.
  • 2.6.15 Ensure that you have access to the Internet on your side
  • 2.6.16 Provide the Bank with an order/consent for the withdrawal of money by the Bank from any Partner's bank accounts opened with the Bank, including by direct debit, for payment for Services on Apofiz, provided that the Bank's Integration Platform receives an appropriate confirmation in electronic form and/or if Apofiz presents other data confirming the provision of Services.
  • 2.6.17 Not to use in any form visual (graphic, text, audio, video and other) information, design, advertising and other materials, posters, stickers, banners, slogans developed, provided, used for promotion, advertising and other purposes within Apofiz for purposes not related to activities on Apofiz, promotions held within and/or participation of Apofiz and/or the Bank.
  • 2.6.18 If the Partner conducts or participates in any events, promotions not related to Apofiz, the Bank, do not use materials, information similar to the symbols (its design, color scheme, etc.) so much that it may mislead Buyers (Apofiz users) and other persons and create a false impression that these events are held within the framework of Apofiz and/or the organizers and/or participants of these events are Apofiz, the Bank.
  • 2.6.19 In case of disagreement with the terms of the promotion, changes in tariffs for Services, remove the Product from sale (remove information about the sold Product from Apofiz) for the period of such a promotion. Posting information about the Product on Apofiz (including refusal to withdraw from the sale of the Product) means acceptance of all the terms of the promotions, tariffs for Services and other changes or terms of this agreement. The Partner is responsible for the accuracy of information when publishing Products on Apofiz and product outlets about the assortment, prices, characteristics, availability of Goods offered by the Partner for purchase by Buyers and any information about the Product.
  • 2.6.20 If a Partner violates the terms of the Agreement, the Bank has the right, at its discretion, to apply the measures provided for in the Agreement to such a Partner.
• 2.7. The Partner undertakes to:
  • 2.7.1 Transfer orders from customers to the courier service for delivery.
  • 2.7.2 Provide reliable information about your location and the location of your organization on Apofiz for transfer to the courier service for the delivery of goods and / or services for delivery.
  • 2.7.3 To carry out marketing promotion of the organization together with the courier service on Apofiz and beyond.
  • 2.7.4 Provide reliable information about the product and / or services on Apofiz in accordance with the terms of this agreement, for transfer to the courier service.
  • 2.7.5 Transfer receipts and the correct packaging of goods for subsequent logistics by means of a courier service.
• 2.8. The partner of the courier service undertakes:
  • 2.8.1 Comply with the requirements of the courier service.
  • 2.8.2 Transfer goods and/or services that are in good condition and in proper form for delivery by courier services.
  • 2.8.3 In each retail outlet, place advertising brochures or other advertising products provided by the courier service on the entrance doors (in their absence – in a place visible to Customers), the cash register area, provided by the courier service.
  • 2.8.4 Comply with this agreement and other documents posted or signed with the Courier Service.
  • 2.8.5 Use the Buyer's personal data obtained under this agreement exclusively for the purposes of executing this agreement concluded by the Partner with the Buyer when the Buyer places an Order for subsequent delivery with a Courier Service. Other use of personal data of Buyers is not allowed.
  • 2.8.6 To ensure the possibility of delivery of Goods by Buyers through Apofiz and in all retail outlets, including newly opened ones.
  • 2.8.7 When opening a new or closing a partner organization, notify the Partner Service 5 days before the date of its opening/closing.
  • 2.8.8 Ensure that there is no difference in the cost of the same Product (including discounts, promotions) purchased in the organization on Apofiz and transferred by the courier service for delivery to the buyer.
  • 2.8.9 To pay or transfer to the buyer information about the payment of courier services.

• 3.1. In relation to Users (including the Bank's Partners) for:
  • 3.1.1. Interruptions in the provision of services due to technical interruptions in the operation of equipment, software, interruptions in the operation of communication channels, power outages, global interruptions in the operation of the Kazakh and international segments of the Internet, failures of routing systems and / or in the domain name system, DDoS attacks and other illegal actions that violate the operability of Internet resources and communication channels. The Partner agrees that there may be errors and failures, including in relation to the operation of the software/resource that ensures the operation of Apofiz, while Apofiz will try to take reasonable measures to prevent such interruptions and eliminate them within a reasonable time.
  • 3.1.2. Unauthorized (i.e. without the Partner's permission) access of third parties to the Personal Account and other data on Apofiz, access to which is carried out using the Partner's login and password. The responsibility for the safety of any means of identifying the Partner on Apofiz (including, but not limited to, login and password) is the responsibility and responsibility of the Partner.
  • 3.1.3. Consumer properties of the Goods, as well as for the legality of putting them up for sale, for the accuracy of the information posted by the Partner on Apofiz and the legality of its placement.
  • 3.1.4. Violation of obligations under contracts concluded in relation to the Goods between the Partner and the Buyer.
  • 3.1.5. The Parties are released from liability for partial or complete non-fulfillment of obligations under this agreement, if this non-fulfillment was the result of force majeure circumstances that arose as a result of extraordinary events that the Party could not foresee or prevent by reasonable measures, which the Party cannot influence and for the occurrence of which it is not responsible, such as: war, mass riots, epidemics, natural fires, earthquake, flood, declaration of a blockade or embargo, power supply failure, the failure of the transmission of Internet networks, the adoption of laws, decrees, regulations, acts and requirements by state bodies, executive, judicial, tax, or law enforcement agencies of decisions, resolutions, definitions that make it impossible to fulfill this agreement and other circumstances beyond the control of the Parties that prevent the Parties from fulfilling their obligations. The term of performance of obligations under this agreement is postponed in proportion to the time during which such circumstances and their consequences are valid.
  • 3.1.6. The termination of this agreement does not release the Party that has not fulfilled, or has not properly fulfilled, the obligations under this agreement related to the payment of Services that arose before the date of termination of this agreement from their full fulfillment of obligations.
  • 3.1.7. The relationship between the Partner and the Buyer for the provision of other services outside of Apofiz (acquisition, installation, technical, service and warranty services, lending, deferred payment, etc.), the purchase of Goods, is regulated between the Partner and the Buyer independently, without the participation of Apofiz.
• 3.2. In relation to delivery services for:
  • 3.2.1. Interruptions in the provision of services due to technical interruptions in the operation of equipment, software, interruptions in the operation of communication channels, power outages, global interruptions in the operation of the Kazakh and international segments of the Internet, failures of routing systems and / or in the domain name system, DDoS attacks and other illegal actions that violate the operability of Internet resources and communication channels. The Partner agrees that there may be errors and failures, including in relation to the operation of the software/resource that ensures the operation of Apofiz, while Apofiz will try to take reasonable measures to prevent such interruptions and eliminate them within a reasonable time.
  • 3.2.2. Unauthorized (i.e. without the Partner's permission) access of third parties to the Personal Account and other data on Apofiz, access to which is carried out using the Partner's login and password. The responsibility for the safety of any means of identifying the Partner on Apofiz (including, but not limited to, login and password) is the responsibility and responsibility of the Partner.
  • 3.2.3. Apofiz is not responsible for the goods and/or services provided for delivery by courier services.
  • 3.2.4. Apofiz is not responsible for the logistics and delivery of goods and/or services by courier services.
  • 3.2.5. The relationship between the Partner and the Buyer for the provision of other services in non-Apofiz (acquisition, installation, technical, service and warranty services, lending, deferred payment, etc.), the purchase of Goods, is regulated between the Partner and the Buyer independently, without the participation of Apofiz.

• 4.1. The User is personally fully responsible for the information distributed by him.
• 4.2. The Administration does not bear any responsibility for the accuracy of information copied from other sources.
• 4.3. The Administration is not responsible for the discrepancy between the services expected by the User and the services actually received.
• 4.4. The Administration does not bear any responsibility for the services provided by third parties.
• 4.5. The Parties are released from liability for partial or complete non-fulfillment of obligations under this agreement, if this non-fulfillment was the result of force majeure circumstances that arose as a result of extraordinary events that the Party could not foresee or prevent by reasonable measures, which the Party cannot influence and for the occurrence of which it is not responsible, such as: war, mass riots, epidemics, natural fires, earthquake, flood, declaration of a blockade or embargo, power supply failure, the failure of the transmission of Internet networks, the adoption of laws, decrees, regulations, acts and requirements by state bodies, executive, judicial, tax, or law enforcement agencies of decisions, resolutions, definitions that make it impossible to fulfill this agreement and other circumstances beyond the control of the Parties that prevent the Parties from fulfilling their obligations. The term of performance of obligations under this agreement is postponed in proportion to the time during which such circumstances and their consequences are valid.
• 4.6. Termination of this agreement shall not relieve the Party has not performed or not performed properly obligations under this agreement relating to the payment Services and arising prior to the date of termination of this agreement, from their performance in full of the obligations.
• 4.7. In the event of a force majeure situation (fighting, emergency, natural disaster, etc.), the Administration does not guarantee the safety of information posted by users, as well as the smooth operation of the information resource. Terms of the Agreement

• 5.1. This Privacy Policy defines the procedures for collecting, using, disclosing, transmitting, and storing personal data obtained from users of the "Apofiz" social trading network.
• 5.2. Collection and Use of Personal Data
• 5.2.1. We may collect personal data provided by users during registration on the network, profile completion, participation in events, and the use of services.
• 5.2.2. Personal data includes but is not limited to
  • Name and surname;
  • Contact information (email, phone number);
  • Profile data (photos, interests);
  • Information about purchases and transactions.
• 5.2.3. We use personal data for:
  • Providing and improving services;
  • Content personalization;
  • Transaction processing;
  • Event and promotion notifications.
• 5.3. Processing and Transmission of Personal Data
• 5.3.1. We process personal data in compliance with laws and security standards.
• 5.3.2. Personal data may be transmitted to third parties to provide services, but only under the condition of their commitment to confidentiality.
• 5.4. Protection of Personal Data
• 5.4.1. We take measures to protect personal data from unauthorized access, alteration, disclosure, or destruction.
• 5.4.2. Access to personal data is granted only to authorized employees who have signed non-disclosure agreements.
• 5.5. User Rights
• 5.5.1. Users have the right to access, correct, delete, or partially conceal their personal data.
• 5.5.2. Users can withdraw their consent to the processing of personal data by deleting their account at any time.
• 5.6. Tracking Technologies
• 5.6.1. We use technologies to analyze visits and provide personalized information.
• 5.7. Changes to the Privacy Policy
• 5.7.1. We reserve the right to make changes to this Privacy Policy. Users are advised to periodically review updates.
• 5.8. Contacts
• 5.8.1. Questions and requests regarding the processing of personal data can be directed to info@apofiz.com or through social networks https://www.instagram.com/apofiz_app or the support service https://t.me/apofizglobal.

This Agreement comes into force upon registration on the website and in the application. The Agreement ceases to be valid when a new version of it appears. The Administration reserves the right to unilaterally change this agreement at its discretion. The Administration does not notify users about changes in the Agreement.