User Agreement

1. General Provisions

1.1. This User Agreement (hereinafter – the Agreement) defines the terms of use of the services provided through the “Payonix” mobile application (hereinafter – the Mobile Application) and the payonix.com website (hereinafter – the Website) by “PAYONIX” Limited Liability Company (hereinafter – the Company).

1.2. By registering in the Mobile Application or using the Website, the User confirms their full and unconditional acceptance of the terms of this Agreement.

1.3. The Company has the right to make unilateral changes to this Agreement. The changes come into force from the moment they are published on the Website. The User undertakes to regularly familiarize themselves with the current version of the Agreement.

2. Terms and Definitions

2.1. User – any natural or legal person who has registered in the Mobile Application or uses the Website.

2.2. Account – the personal cabinet created by the User by registering in the Mobile Application.

2.3. Services – all services provided by the Company through the Mobile Application and the Website, including non-cash payments, money transfers, credit products, etc.

3. User's Rights and Obligations

3.1. User's rights:

• 3.1.1. To use the Services in accordance with the terms of the Agreement.
• 3.1.2. To manage and change their Account information.
• 3.1.3. To receive technical support and information from the Company.

3.2. User's obligations:

• 3.2.1. To provide accurate and complete information during registration.
• 3.2.2. To ensure the confidentiality and security of their Account, not to disclose login information to third parties.
• 3.2.3. To comply with the legislation of the Republic of Azerbaijan and the terms of this Agreement.
• 3.2.4. Not to use the Services for illegal activities, including money laundering and terrorist financing.

4. Company's Rights and Obligations

4.1. Company's rights:

• 4.1.1. To suspend the provision of Services or block the User's Account if the User violates the terms of the Agreement.
• 4.1.2. To unilaterally change the terms and tariffs of the Services.
• 4.1.3. To send the User informational and advertising notifications about services, updates, and special offers (with the User's consent).

4.2. Company's obligations:

• 4.2.1. To ensure the uninterrupted and high-quality provision of Services.
• 4.2.2. To ensure the confidentiality and security of Users' personal data in accordance with the “Privacy Policy”.
• 4.2.3. To promptly review and respond to User inquiries.

5. Liability

5.1. The User is fully responsible for all transactions carried out through their Account.

5.2. The Company is not liable for any damage caused by the User's fault (loss of login information, disclosure to third parties, etc.).

5.3. The Company is not liable for interruptions in the provision of Services resulting from force majeure circumstances (natural disasters, military operations, technical failures, etc.).

6. Dispute Resolution

6.1. All disputes and disagreements arising from this Agreement shall be resolved through negotiations.

6.2. If an agreement is not reached, disputes shall be resolved in court in accordance with the legislation of the Republic of Azerbaijan.

7. Final Provisions

7.1. This Agreement comes into force from the moment of its acceptance by the User and remains in force until the parties fully fulfill their obligations.

7.2. This Agreement is drawn up in the Azerbaijani language and has binding legal force for the parties.