Tariffs and documents

1. Account management

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2. Carrying out non-cash payments

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3. Cash services

4. Account maintenance

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5. Implementation of non-cash payments

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6. Cash service*

Name of service	Tariffs
Payment / sending of money transfers in a foreign country currency according to international money transfer systems	According to the tariffs of international money transfers
Payment of money transfers received in foreign currency through international money transfer systems in national currency	At the tariffs of international money transfer systems, with payment of funds in national currency at the purchase rate of the exchange office without additional commissions
Sending money transfers in foreign currency via international money transfer systems accepted in national currency	According to the tariffs of international money transfer systems, with acceptance of funds in national currency at the exchange office selling rate without additional commissions

1. Issue of bank plastic cards

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2. Replenishment of the card account

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3. Transfer of funds from card to card

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4. Cash withdrawal from a card in national currency

5. Issuance of international plastic cards

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6. Cash withdrawal from international plastic cards

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7. Transactions with international plastic cards

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8. Other services

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These Rules have been developed in accordance with the Laws of the Republic of Uzbekistan “On the Central Bank of the Republic of Uzbekistan”, “On Banks and Banking Activities”, the Regulations “On the Procedure for Digital Identification of Clients” (reg. No. 3322 dated September 30, 2021), internal regulations “Garant bank" JSC (hereinafter referred to as the "Bank"), as well as other regulatory and legal documents of the Central Bank of the Republic of Uzbekistan and determine the procedure and conditions for digital identification and authentication of individuals in the Bank's system.

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Chapter 1. General provisions

The Rules use the following basic concepts:

internal control rules - internal control rules to combat money laundering, terrorist financing and financing of the proliferation of weapons of mass destruction in the system of Garant Bank JSC;

digital identification (hereinafter referred to as “DI”) - the process of verifying and confirming the identity of an individual in accordance with the requirements established by these Rules, using the Bank’s information systems and the Biometric Identification Information System;

digital authentication (hereinafter referred to as “DA”) - the process of checking and confirming the identity of a client (individual) by automated (without the human factor) comparison of photographs in real time taken from a previously identified client with the original identification data;

list - a list of persons participating or suspected of participating in terrorist activities or the proliferation of weapons of mass destruction, formed by a specially authorized state body on the basis of information provided by state bodies involved in the fight against terrorism, the proliferation of weapons of mass destruction, and other competent authorities of the Republic of Uzbekistan, and as well as information received through official channels from competent authorities of foreign states and international organizations;

state database (hereinafter referred to as “SD”) - official state databases of individuals, formed by authorized public authorities and departments on the basis of the duties and powers assigned to them by law;

Information system “Biometric Identification” (hereinafter referred to as “BI”) - is an information system that allows processing requests for digital identification and authentication of individuals provided on a contractual basis. BI is integrated with the GA to obtain personal and biometric data of individuals;

identification document of an individual (hereinafter referred to as “ID”) - biometric passport, identification ID card, new driver’s license.

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Chapter 2. Basic rules

2. In order to ensure compliance with legal requirements, the Bank regularly studies, analyzes, identifies, evaluates, monitors, manages, documents and reduces potential risks of money laundering, terrorist financing and proliferation of weapons of mass destruction, etc.

3. It is prohibited to register in the Automated Banking System (hereinafter referred to as the “ABS”) and open accounts according to the Digital Identification procedure for individuals who initially fall into the high-risk category according to the Internal Control Rules.

4. When carrying out Digital Identification, it is necessary to perform the following activities:
taking the necessary legal, organizational and technical measures to protect an individual’s identification data from unauthorized access by third parties;
ensure the reliability and accuracy of identifying information;
take measures against falsification, unauthorized modification and disclosure of identification information;
ensure control over the storage and use of identification information (data storage period is at least five years after the termination of the business relationship with the client);
provide a system of measures to reduce and control operational risks associated with information security when providing payment services, including security in the Digital Identification of Individuals;
apply multi-factor authentication procedures for clients when using the Bank's services through communication channels (for example, check the mobile phone number used to communicate with an individual, using a method that allows you to determine whether it is used by this individual);
apply the necessary information security requirements in accordance with other legislation in this area.

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Chapter 3. The procedure for digital identification and authentication of an individual

5. Digital identification/authentication is carried out in relation to individuals - citizens of the Republic of Uzbekistan.

6. The Bank carries out Digital identification/authentication of individuals by verifying identity and identification in real time without taking into account the human factor by the Bank's Information Systems.

7. DI/DA of individuals is carried out by the Bank’s Information Systems in the following order:
а) Integrated with BI:
receives information from an individual to determine the risk level category in accordance with the Internal Control Rules (for DA this step is not carried out);
checks the mobile phone number with which the individual was registered, using a method that allows to determine whether it is used by this individual (sending an SMS message with a one-time password, video calling, etc.);
receives from an individual a photograph of parts of the ID, with relevant information in accordance with the requirements of the Internal Control Rules;
reads the information from the ID necessary for the subsequent sending of a request to the State Database (series and document number, date of birth and/or personal identification number of an individual);
receives a photograph (self-portrait) from an individual in real time in accordance with these Rules;
б) ID:
sends a request to the State Database and receives the following personal and biometric information about an individual:
digital photography;
personal identification number of an individual (PINI);
the date of issue of the biometric passport or ID card, its validity period and place of issue;
last name, first name, patronymic in the state language (in Latin) and in English (if available);
gender, country of birth, place of birth, nationality, citizenship and place of permanent or temporary residence;
compares a photograph (self-portrait) taken by individuals in real time with a photograph received from the State Database in automatic mode (without taking into account the human factor);
в) ABS:
compares the received data with the List automatically (without taking into account the human factor) in accordance with the Internal Control Rules.

8. The Bank uses its own information systems for DI/DA, integrated with ID (or information systems provided by third parties on a contractual basis).

9. Information systems used for DI/DA should:
be hosted on servers in the territory of the Republic of Uzbekistan;
ensure mutual encryption during information transfer;
ensure the possibility of obtaining photographs;
be protected from replacement and destruction of photographs, and the use of previously created photographs;
be able to identify an individual's attempts to use photographs of other individuals for DI/DA;
ensure processing, including the collection and storage of biometric personal data, their verification and transmission of information on the degree of their compliance with the provided biometric personal data of an individual.

10. When implementing DI/DA, the following conditions must be met:
photographs must be in color;
other than the individual undergoing the DI/DA process, no other persons are permitted to be in the photograph;
the individual’s face is not partially or completely hidden, no shadow falls on the individual’s face, and the individual’s face is not covered by glasses (except for transparent glasses);
the face must be clearly visible in the photograph.

11. During DI/DA, the following information is stored in the Bank’s Information Systems:
date, time and result of identification and authentication carried out in ID;
the result of checking the conformity of the provided biometric personal data of an individual with his biometric personal data contained in the SD;
personal data (including PINI) of an individual received from SD, date and time of their receipt;
photographs received from an individual in accordance with the requirements of clause 9 of these Rules.

12. DI/DA is not carried out in the following cases:
if the client falls into a high-risk category in accordance with the Internal Control Rules;
when there are doubts about the reliability of the information provided by an individual;
if there is any doubt that the photograph in the ID posted in SD corresponds to the photograph taken in accordance with these Rules;
when the information received from an individual does not correspond to the data posted in SD or it is impossible to verify compliance;
if the photograph does not comply with the requirements of these Rules;
when there are doubts about the legalization of proceeds from crime, the financing of terrorism and the financing of the proliferation of weapons of mass destruction.

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Chapter 4. Using Digital Identity and Authentication

13. A client who has passed Digital Identification may be provided with the following list of services, taking into account the requirements set out in these Rules:
opening and managing a bank account, as well as a bank card;
opening and managing electronic wallets;
receiving an online microloan;
making cross-border money transfers using bank cards or electronic money systems;
unlocking a bank card;
currency exchange transactions.
Services not provided for in this paragraph are not provided to a client who has completed DI.

14. Digital client authentication is carried out when the Bank provides the following services:
getting an online microloan;
in other cases, provided for by the legislation of the Republic of Uzbekistan and local regulations of the Bank.

15. Limits on transactions carried out by digitally identified clients are specified in Appendix No. 1 to these Rules.

16. The bank may impose restrictions on the DA of previously identified clients by analyzing the transactions performed by clients and assessing the risk level of their transactions.

17. Filling out and maintaining the client’s questionnaire based on the results of the client’s DI/DA is carried out on the basis of the requirements established by the Internal Control Rules.

1.    Calculated 24 hours before the moment of the transaction, not equal to a calendar day.
2.    Transactions made in a currency other than the limit calculation currency are converted into the limit calculation currency at the Bank's exchange rate at the time of the transaction.

The Bank's mobile app within the framework permitted by current legislation.

 

4.2. The Bank may provide generalized anonymized data of Clients of the Bank's mobile app to partners (for example, for the purpose of conducting statistical and other studies).

4.3. When transferring Client information abroad, the Bank ensures compliance with current legislation and these Regulations in relation to Client data by concluding agreements that ensure that data recipients adhere to an appropriate level of protection.

V. Change of personal data by the Client.

5.1. The client can change (update, supplement) the personal data provided by him or part of it at any time.

5.2. The Bank ensures the protection of the Client’s data during its processing, including collection, recording, systematization, accumulation, storage, clarification (updating, changing), extraction, use, transfer (distribution, provision, access), depersonalization, blocking, deletion, destruction of personal data , and does not permit violation of the confidentiality of the received data.

VI. Changes to the Privacy Policy. Applicable law.

6.1. The Bank has the right at any time to make changes to this Policy, indicating the date of such changes.

6.2. The new version of the Policy comes into force from the moment it is posted in the application and on the Bank’s website, unless otherwise provided by the new version of the Policy.

6.3. The Bank recommends that Clients regularly refer to this Policy in order to become familiar with the most current version.

5.4. The law of the Republic of Uzbekistan applies to the Policy and the relationship between the Client and the Bank that may arise from or in connection with the Policy.

Public offer for the provision of remote banking services to individuals through the Garant bank mobile app

This document is an official offer (public offer) of Garant Bank JSC (hereinafter referred to as the Bank) capable individuals who have a bank card issued by commercial banks of the Republic of Uzbekistan (hereinafter referred to as the Client) enter into an agreement for the provision of services in accordance with Art. 367, 369 and 370 of the Civil Code of the Republic of Uzbekistan on the use of the Garantbank mobile app (hereinafter referred to as – Agreement).

The Client’s performance of the actions provided for in this Offer means his unconditional agreement with the conditions below (acceptance of the Offer). From the moment of acceptance of the Offer, the Agreement is considered concluded. In everything that is not directly provided for in the Agreement, the parties are guided by the current legislation of the Republic of Uzbekistan and business customs.

1. Terms and definitions

Garant bank mobile app – specialized software created on the basis of mobile technologies, designed to carry out banking operations, obtain information about the status of accounts and other information, as well as perform other actions provided for by the functionality of the Garant bank mobile app online.

Client – a legally capable individual, holder of a bank card issued by commercial banks of the Republic of Uzbekistan.

Parties – joint name of the Bank and the Client;

Bank card – a bank payment card intended for conducting transactions, operating online, issued by a commercial bank of the Republic of Uzbekistan and registered in the Garant bank mobile app.p>

Personal data— information recorded on electronic, paper and (or) other tangible media relating to a specific individual or enabling his identification, provided by the Client for using the Garant bank mobile app.

Processing of personal data – implementation of one or a set of actions for the collection, systematization, storage, modification, addition, use, provision, distribution, transfer, depersonalization and destruction of personal data;

Third parties – all other persons except the Bank and the Client, unless otherwise provided by the current legislation of the Republic of Uzbekistan;

Participants of the Garant bank mobile app:

- Bank providing remote banking services;
- Client;
- National and international payment systems, other authorized organizations;

Login – registration name of the Client, used by the Client as an identifier for logging into the Garant bank mobile app

Password – secret sequence of characters set by the Client, used by him as an identifier to enter the Garantbank mobile app;

Order – an action recorded in the form of an electronic document sent by the Client in order to receive the Services available in the Garant bank mobile app

Bank Tariffs – the amounts of the Bank's commission approved by the Bank for the Services provided, provided for in this Agreement and valid at the time of the relevant transaction (provision of the Service);

Remote banking services (RBS)– provision by the Bank to the Client of a range of services without the participation of an authorized employee of the Bank using RBS services. Within the framework of RBS, the Client has the opportunity to use the Banking product and/or carry out a transaction, a one-time transaction, an information transaction, as well as carry out other actions in the manner specified in the Agreement.

2. Subject of the agreement

2.1. The subject of this Public Offer is the provision of remote banking services to individuals through the Garant bank mobile app.

2.2. The Bank provides Clients with the opportunity to use the Garantbank mobile app, which allows them to make payments for goods and services/work online, manage their bank cards, accept/send money transfers using a bank card online, as well as perform other actions provided for functionality of the Garant bank mobile app.

2.3. The Garant bank mobile app may contain services that can be provided to Clients on a paid basis, in accordance with the Tariffs provided for in Appendix No. 1 to this Agreement, which is an integral part thereof, as well as the Rules, Conditions and Tariffs published on the Bank’s website at www. garantbank.uz. Activation of such services is carried out by the Client independently, at will, after reading the public offer, which contains a description of the service, conditions for its provision, cost of use and other information.

2.4. Remote banking services to the Client are provided in accordance with the current legislation of the Republic of Uzbekistan, regulations of the Central Bank, internal regulations of the Bank, this Agreement and other agreements.

3. Acceptance procedure

3.1. Acceptance of this Offer is carried out by registering the Client in the Garant bank mobile app. The mobile app is available on iOS and Android platforms.

3.2. The Client undertakes to provide the Bank with reliable, valid information upon registration.
In accordance with Art. 370 of the Civil Code of the Republic of Uzbekistan, unconditional acceptance (acceptance) of the terms of this Public Offer and its annexes is the fact that the Client enters the Verification Code during the registration process.

3.3. By concluding this Agreement, the Client provides the Bank, in accordance with the requirements of the legislation on personal data, with unlimited consent to the processing of his personal data (including, but not excluding: payment credentials, cell phone number, bank card numbers, full name, registration data, as well as any other personal data necessary for using the services available in the Garant bank mobile app), including collection, recording, systematization, accumulation, storage, clarification (updating, changing), extraction, use, transfer (distribution, provision, access), depersonalization, blocking, deletion, destruction of personal data performed using automation tools or without the use of such means, in order to fulfill this Agreement. The Client hereby also consents to the transfer of any personal data provided by him to the Bank under this Agreement to third parties for the purpose of fulfilling this Agreement.

3.4. The Bank guarantees the Client to take all necessary measures to ensure the confidentiality of the Client’s personal data in accordance with the requirements of the legislation of the Republic of Uzbekistan and the Personal Data Confidentiality Policy. The Client's consent to the processing (including transfer to third parties) of his personal data can be withdrawn by the Client at any time by sending an email to the Bank at the address provided in the Agreement.

3.5. The Client accepts that the Bank will use cookies and other technologies developed by the Bank to connect the Client’s web browser with the Client’s Credentials in the Garant bank mobile app and subsequent recognition in the event of further access to services on recipient websites connected to the Garant Bank mobile app .

3.6. Before using the Garant bank mobile app, the Client must fully read the text of this Offer. In case of disagreement with the terms of the Offer as a whole or any part of it, the Client should refrain from using it. Registration of the Client in the Garant bank mobile app means that the Client is actually familiar with the terms of the Agreement.

4. Rights and responsibilities of the parties

4.1. The Bank has the right to:

receive information from the Client regarding the identification and proper verification of the Client and the transactions performed by him in order to comply with the legislation of the Republic of Uzbekistan on combating money laundering, financing of terrorism and financing the proliferation of weapons of mass destruction;

require from the client information about the sources of funds used in carrying out the operation;

refuse the Client to provide Services on the grounds established by this Agreement, regulatory documents and the current legislation of the Republic of Uzbekistan, as well as if it is established that the Client provided false information necessary for the provision of Services;

p>process any information related to the Client’s personal and/or contact data, using automation tools or without them, including collection, systematization, accumulation, storage, clarification, use, distribution (including transfer to Bank partners), depersonalization, blocking , destruction of personal data provided to the Bank in connection with the conclusion and execution of the Agreement, and other actions provided for by the current legislation of the Republic of Uzbekistan;

suspend for an indefinite period the use of the mobile app and/or its services unilaterally in the event of any technical reasons or other circumstances preventing the use of the System;

temporarily, without notifying the Client, suspend the Client’s Remote Banking Services if there are reasonable grounds to believe that an attempt has taken place or is possible for unauthorized access to the Accounts and other types of cyber attack;

unilaterally make changes/additions to this Agreement, its annexes, and other Bank rules. At the same time, the Bank undertakes to notify the Client about this by posting information on social networks or in the mobile app;

in the event of a change in the Bank's Tariffs towards a reduction in the amount of commission (creating favorable conditions for the Client), unilaterally apply the data changes no later than the day following the entry into force of changes to the Tariffs without notifying the Client;

without the Client’s consent, write off from the Accounts the funds erroneously credited to his Accounts;

The Bank may have other rights in accordance with the current laws of the Republic of Uzbekistan.

The Bank undertakes to:

provide Services in a proper manner in the scope and time frame established by this Agreement, regulatory documents and the current legislation of the Republic of Uzbekistan;

accept for execution the Order drawn up in accordance with the current legislation of the Republic of Uzbekistan and this Agreement;

ensure uninterrupted operation of the Garantbank mobile app, with the exception of technical work and cases when there are failures in the operation of the mobile app and its services are due to the fault of third parties. At the same time, the Bank notifies Clients about the failure (malfunction) and the expected time frame for its elimination by posting information in the Bank’s offices, on the Bank’s corporate website, the Bank’s official pages on social networks or in the Garant bank mobile app;

undertakes to take legal, organizational and technical measures to protect personal data, ensuring the integrity and safety of personal data, maintaining the confidentiality of personal data, preventing illegal processing of personal data, acting in accordance with the requirements of the current legislation of the Republic of Uzbekistan and the terms of this Agreement;

strictly comply with the requirements of the legislation of the Republic of Uzbekistan in the field of anti-corruption.

4.2. The Client has the right to:

read the current version of the Agreement at the Bank’s offices, on the Bank’s corporate website, the Bank’s official pages on social networks or in the Garant bank mobile app

send submit a claim to the Bank regarding the quality of the Services provided no later than 30 (Thirty) calendar days from the date of its provision;

receive, upon appearing at the Bank, a written confirmation of the transaction using the Garantbank mobile app;< /p>

receive consultations on issues of Remote Banking Services at the Bank’s Call-Center or at any branch of the Bank;

demand from the Bank the fulfillment of its obligations under this Agreement.

The Client undertakes:

obliges to comply with the terms of this Offer;

not to carry out transactions related to criminal activity, financing of terrorism, proliferation of weapons of mass destruction, as well as sanctions compliance or transactions posing reputational and financial risks for the Bank;

not to carry out transactions related to the implementation of business activities under this Agreement;

to become familiar with the terms of the Agreement and the Bank’s Tariffs in a timely manner and in full before joining this Agreement;

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obliges to independently ensure the information security of the device through which access to the Garant bank mobile app is provided

not to disclose the Login and Password that provide access to the Client’s personal account in the Garant Bank mobile app;

when filling out an Order for the provision of Services, provide reliable information requested by the Bank;

provide, at the request of the Bank, documents, information, information necessary to carry out the functions provided for by the current legislation of the Republic of Uzbekistan and the Agreement;

immediately inform the Bank in case of loss of a mobile device, mobile phone number, Compromise or if there is a suspicion of Compromise of the Client’s data registered in the Systems. At the same time, the Bank is not responsible for the Client’s losses incurred as a result of the above events;

immediately notify the Bank of cases of unauthorized access to Accounts and debiting funds;

accept the risks related to the possibility of Compromising data transmitted via the Internet or communications;

give the Bank the right to write off funds from Accounts to compensate for losses caused to the Bank by the Client as a result of non-compliance with this Agreement, as well as commissions due to the Bank for execution Client's instructions in accordance with the current Tariffs of the Bank and Payment systems;

carefully study the information displayed on the screen, select actions from the proposed options in accordance with your intentions and carefully check the correctness of the entered information;

strictly comply with the requirements of the legislation of the Republic of Uzbekistan in the field of anti-corruption.

The Client guarantees that he is legally capable and also that he does not intend to use the Garant bank mobile app for any fraudulent or other illegal purposes.

The Client assumes full responsibility when transferring any information related to providing third parties with access to the personal account in the Garantbank mobile app, including codes for confirmation of transactions, mobile phone number, numbers and validity period of bank cards.

The Client has no right to transfer his rights and obligations under the Agreement to third parties without the prior written consent of the Bank. Any attempt at such transfer will be considered invalid.

The Client may have other obligations provided for in this Agreement and the current legislation of the Republic of Uzbekistan.

5. Responsibility of the parties

5.1. The parties are responsible for non-fulfillment or improper fulfillment of the terms of this Agreement in accordance with the legislation of the Republic of Uzbekistan.

5.2. The Client is responsible for any losses or other negative consequences arising from failure to fulfill or improper performance of obligations under this Agreement.

5.3. The Client bears full responsibility for the safety of his personal data when entering it on a device that uses unsecured connections or is at risk from malicious programs and applications.

5.4. The Bank is not responsible for improper fulfillment of the terms of the Agreement if such failure was a consequence of the failure to fulfill the terms of the Agreement by the Client.

5.5. The Bank is not responsible for any losses incurred by the Client due to the fact that the Client did not familiarize himself and (or) did not timely familiarize himself with the terms of this Offer, as well as with the offers of paid services when activating them in the Garantbank mobile app.
The Bank is not responsible:
- if information about the Accounts and/or transactions carried out by the Client becomes known to third parties due to the Client’s fault;
- for the Client making an erroneous payment using the Garant mobile app bank;
- in case of impossibility of providing access to the mobile app due to circumstances beyond the control of the Bank;
- for untimely or incorrect actions of the Client in the mobile app, if they are caused by entering incorrect data and/or late informing the Bank about changes in the Client’s personal data;
- for the Client’s losses resulting from the disclosure of the Login, Password and other data through no fault of the Bank, regardless of the reasons causing the occurrence of such an case;
- in case of untimely notification of the Bank by the Client about Data Compromise and/or use of the mobile app without his consent;
- for the quality and technical condition of communication lines;
- for delays and failures arising in networks of mobile operators and services of Internet providers, which may lead to a delay/non-delivery of SMS messages or a delay/failure in the Garant bank mobile app;
- for losses incurred as a result of infection of the Client’s technical equipment with malicious viruses, malfunctions technical means of the Client;
- for improper fulfillment of the terms of the Agreement, if such failure is caused by reasons beyond the control of the Bank.
- The scope of the Bank’s control is limited only to the performance of the Garant bank mobile app itself and does not include responsibility for failures caused by third parties, or as a result of prohibitions and restrictions imposed by government or judicial authorities.

5.6. The entire information flow of the Garantbank mobile app, including all content, software, functionality, materials and information available, provided in connection with a request or accessible through the Garant Bank mobile app, is provided “as is”, that is, in unchanged, without any exceptions or additions.

5.7. The Bank does not provide any representations or warranties regarding the services or content, materials, information and functionality available in the Garantbank mobile app, or regarding any security violations associated with the transfer of confidential information through the Garant Bank mobile app in cases of its use by methods not provided for in this Agreement.

5.8. The Bank shall not be liable to the Client or any third party under any circumstances for any damages or losses, including, but not limited to, damages for loss of profits, damage to reputation or any other losses that may be incurred in connection with the Client’s purchase of goods (work, services) from third parties through the Garant bank mobile app, as well as for any goods (work, services, information, content) purchased, received or paid for through the Garantbank mobile app.

5.9. Each Party acknowledges that the other Party enters into this Agreement accepting the limitations of liability set forth in this Agreement and that these limitations are a necessary basis for the agreement between the parties, and neither Party shall be liable for failure or delay caused by any conditions beyond such party's reasonable control, including, but not limited to, circumstances such as governmental activity or acts of terrorism, earthquakes, fires, floods or other acts of God, labor situations, power failures and Internet connection disruptions .

6. Termination of agreement

6.1. This agreement is concluded by the Parties for an indefinite period, which can be terminated in the following cases:
- by mutual agreement of both Parties;
- upon written notification by the Bank to the Client 30 (thirty) calendar days before the intended termination;
/>- in case of failure/violation by the Client of the terms of this Agreement;
- based on the Client’s written application to close the Accounts with the Bank;
- when the Bank makes a decision to terminate the provision of Remote Banking services;
- on the basis of a written application from the Client to refuse to use the Remote Banking Services. In this case, the Client must personally contact the branch of the Bank where the Account is opened and provide an Identification Document.

6.2. The contract is considered terminated immediately after the account is deleted. Termination of this Agreement does not mean termination of Agreements for paid services within the Garant bank mobile app, if such services have been activated.

6.3. Removal of the Garant bank mobile app by the Client from the device does not constitute deletion of a personal account and does not mean termination of this Agreement.

6.4. Access to the mobile app may be temporarily blocked:
- if the Bank has information about the Compromise of the Client’s data registered in the Systems (Login, Password);
- if the Client violates the terms of this Agreement;
- on the basis of instructions from authorized bodies to suspend the operation of the Client’s accounts in the manner prescribed by law;
- in accordance with the current legislation of the Republic of Uzbekistan, as well as internal documents of the Bank.

7. Intellectual property

7.1. The application, its content, structure and design are fully protected by the Bank's copyright. The Bank's exclusive rights also apply to any Intellectual Property created and registered by the Bank, including its trademarks.

7.2. Copyright and other intellectual property rights of the Bank apply to this Application and all its content (including products and services).

7.3. Any unauthorized use, processing or publication (including social media) of any information/content in this Application, including logo, icon, graphic, image, patent, service/trademark, design, visual media created by the Bank and other intellectual property (registered or unregistered) is prohibited without the prior written consent of the Bank.

7.4. A reference to Intellectual Property in the Application does not grant the user a license to use it. Downloading (using) or copying any information from the Application by the Client for commercial purposes is considered a violation of the legislation of the Republic of Uzbekistan.

7.5. None of the provisions of this Offer gives the Client the right or license to use the Bank’s intellectual property specified in this section.

8. Procedure for considering disagreements

8.1. Any dispute arising from this Agreement must be resolved amicably or through a claim procedure. Claims work with the Client and technical support services of the Client are provided exclusively by receiving requests, processing them and sending responses to received requests, which are accepted by the technical support service through the Garant bank mobile app, by email or by phone specified in the mobile app or on the official page of the Bank. ; www.garantbank.uz.

8.2. If the dispute that arises is not resolved through a claim procedure, it is subject to consideration on the basis of a written request from the Client. The period for consideration of the application and the requirements for its content are determined by the current legislation of the Republic of Uzbekistan.

8.3. If the dispute that arises is not resolved after the above claims procedures, it is subject to consideration in the subordinate court at the place of registration of the Bank in the manner prescribed by the current legislation of the Republic of Uzbekistan.

9. Privacy Policy

9.1. Information received by the Parties during the execution of the Agreement and not intended by the Party presenting it for advertising purposes is considered confidential. The parties undertake to take all necessary and sufficient measures to ensure that confidential information does not become known to third parties.

9.2. The Parties undertake to pre-coordinate with each other the disclosure of any information about the cooperation of the Parties, regardless of the form and method of disclosure of information.

9.3. Everything regarding the confidentiality of personal data not regulated by this Agreement is determined by the bank’s Privacy Policy provided on the page.

9.4. As part of the services of the Garant bank mobile app, the Client is provided with the functionality to change (update, supplement) or delete the information or part thereof provided by the User.

10. Other conditions

10.1. The Bank can install updates for the mobile app in the prescribed manner. The client agrees that these updates are subject to the terms of this public offer.

10.2. If the Client has forgotten/lost his Login, the procedure for re-providing the Login is carried out by the Bank's employees upon personal application by the Client with the presentation of an Identity Document.

10.3. The Bank reserves the right to unilaterally make changes to this Agreement by notifying the Client electronically. Posting a new version of the Agreement on the website or mobile app constitutes proper notification to the Client of a unilateral change in the terms of the Agreement.

10.4. By accepting this Offer, the Client confirms his unconditional agreement with all the terms of the Agreement and undertakes to fulfill it.

10.5. In everything that is not directly provided for in the Agreement, the parties are guided by the current legislation of the Republic of Uzbekistan and business customs.

11. Bank details

Address: Tashkent, Mirabad district, S. Baraka street, building No. 78

TIN: 201053901

current account 2980 2000 3000 0043 9111

bank code: 00439