Terms and Conditions for Card Binding in the Paylov Service

General Provisions

  1. These Terms (hereinafter referred to as the "Terms") are developed by JSC "Octagram" (operating under the Paylov™ trademark) to govern relationships with Users regarding the binding of bank cards for subsequent use in the Paylov payment service.
  2. Acceptance of these Terms is demonstrated by the User's action of entering their bank card details in the Paylov interface and confirming their agreement to these Terms.
  3. Any instructions by the User made using a bound card (such as clicking the "Pay," "Transfer," and other buttons) shall be deemed their authorization for fund withdrawal in accordance with the Law of the Republic of Uzbekistan "On Payments and Payment Systems."

Processing and Protection of Personal Data

  1. By submitting bank card details, the User provides JSC "Octagram" with perpetual consent to process their personal data (including secondary data, card numbers, full names, and others), including collection, storage, use, transfer, blocking, and destruction.
  2. All data is encrypted using SSL certificates and stored in secure storage systems in strict compliance with the legislation of the Republic of Uzbekistan.
  3. JSC "Octagram" undertakes not to transfer the User's data to third parties without their consent, except as required by law.

Autopayment Service

  1. Activation of the autopayment service is carried out by clicking the corresponding button and confirming the User's consent.
  2. By enabling the service, the User consents to regular automatic deductions from the bound bank card in favor of the suppliers of goods/services specified in the Service interface.
  3. The settings for autopayments, including the amount, frequency, and schedule of deductions, are configured by the User through the Service interface.
  4. The User can disable the autopayment service at any time through the Service interface by clicking the corresponding button and following the instructions.
  5. The User is responsible for the accuracy of the information provided for autopayments. JSC "Octagram" is not liable for losses arising from errors made by the User.

Rights and Obligations of the Parties

Ensures uninterrupted operation of the Service, except during maintenance, force majeure, or disruptions caused by third-party actions.
  • Commits to protecting the User's personal data and complying with the legislation of the Republic of Uzbekistan on data processing.
  • Reserves the right to temporarily restrict the User's access to the Service if fraudulent activities or violations of these Terms are suspected.
Must provide accurate and up-to-date information when binding their bank card and enabling autopayments.
  • Must comply with these Terms and ensure the security of their devices and data for accessing the Service.
  • May withdraw consent for data processing at any time by submitting a relevant request to JSC "Octagram."

Liability of the Parties

  1. JSC "Octagram" shall not be liable for damages caused to the User as a result of unlawful actions by third parties unless such actions are directly related to breaches by JSC "Octagram."
  2. The User is fully responsible for the accuracy and relevance of the information provided and for the security of their login credentials for accessing the Service.

Final Provisions

  1. These Terms come into effect upon acceptance by the User and remain in force indefinitely unless otherwise specified by the legislation of the Republic of Uzbekistan.
  2. Any disputes and disagreements related to the use of the Paylov Service shall be resolved through negotiations. If a resolution cannot be reached, the parties may refer the dispute to the court at the location of JSC "Octagram."