Payment and privacy

1.1. The Customer pays for the selected educational course through electronic payment systems available on the Website, including Uzum Bank, as well as by other lawful payment methods.

1.2. From the moment of successful payment, the Customer is deemed to have fully accepted (accepted by way of acceptance) the terms of this Public Offer.

1.3. The cost of services is determined in accordance with the price indicated on the Website. After payment has been made, the cost of the paid service is not subject to change.

2.1. If the Customer refuses to receive the service before the course begins, the paid funds are subject to refund on the basis of a written or electronic request by the Customer. Bank or payment organization fees withheld in accordance with applicable law are not subject to refund.

2.2. After the Customer has been granted access to learning materials, a personal account, or classes, the service is deemed partially rendered. In this case, the refund amount is determined less the cost of services actually rendered.

2.3. If the Customer, on their own initiative, stops learning, does not attend classes, or does not complete the course, funds for services actually rendered are not subject to refund.

2.4. If the service was not rendered through the fault of the Provider or the course was cancelled, the Customer may, at their choice:

receive a full refund of the paid funds;

apply the payment made toward another course or study group;

reschedule learning to another date.

2.5. A refund request is submitted by the Customer through the Provider's official communication channels, with documents confirming the Customer's identity and the fact of payment attached.

2.6. The request is reviewed within 10 (ten) business days. If a decision to refund is made, the funds are transferred to the bank card or other payment instrument from which the payment was made, in accordance with the legislation of the Republic of Uzbekistan and the rules of Uzum Bank and the relevant payment organization.

3.1. Relations related to payment and refund of funds are governed by the legislation of the Republic of Uzbekistan and the terms of this Public Offer.

3.2. All disputes arising between the Parties shall be settled through negotiations. If no agreement is reached, the dispute is resolved in the manner established by the current legislation of the Republic of Uzbekistan.

NeoLex collects and processes the following user data: name, phone number, e-mail address, learning progress and test results, payment data (excluding card details), and technical device data.

Personal data is processed in accordance with Law of the Republic of Uzbekistan No. ZRU-547 of 02.07.2019 "On Personal Data."

This data is used to register and operate your account, provide access to courses and the subscription, process payments, provide technical support, and improve the application and educational content.

Bank card details are not transferred to or stored by NeoLex; payments are processed directly by the payment provider, Uzum Bank.

Your data is not transferred to third parties, except where necessary to render the service (payment provider, technical infrastructure) or as required by law.

Users' personal data is stored only for the period necessary to achieve the purposes of its processing, or for the period established by the legislation of the Republic of Uzbekistan.

The User has the right to withdraw consent to the processing of personal data at any time by sending a corresponding request through support. Withdrawal of consent does not affect the lawfulness of processing carried out before such withdrawal is received.

The User has the right to file a complaint with the authorized government body for personal data protection in the manner established by the legislation of the Republic of Uzbekistan.

The personal data database is processed and registered in cases where such registration is required by the legislation of the Republic of Uzbekistan.

Users' personal data is stored on servers located in accordance with the requirements of the legislation of the Republic of Uzbekistan.

The Enterprise hereby informs clients and partners of measures to prevent and limit the risks of fraudulent operations in accordance with the legislation of the Republic of Uzbekistan and the requirements of the Bank.

The Enterprise controls and restricts suspicious operations in the following ways:

checking payments and transactions for signs of fraud;

restricting operations that raise suspicion with the Bank's security system;

using secure data transmission channels and modern information security tools;

identifying and verifying clients when making payments;

temporarily suspending operations when a risk of fraudulent actions is identified;

cooperating with the Bank to prevent unauthorized operations;

complying with the requirements of the Electronic Commerce Agreement and internal security rules.

The Client undertakes to:

not transfer personal data, passwords, or confirmation codes to third parties;

immediately report suspicious operations;

comply with the rules for the safe use of electronic payment systems.

The Enterprise reserves the right to restrict or reject an operation if signs of fraud or a violation of security requirements are identified.

We accept Visa, Mastercard, Humo, and Uzcard cards, as well as payments through Uzum Bank.

Payment processing is carried out by the payment provider Uzum Bank in accordance with 3D Secure and PCI DSS standards.