Payment and privacy

Payment Methods

Payment for courses and subscriptions is made directly within the NeoLex Application.

Two payment methods are available:

1. Online payment via Uzum Bank. When selecting a course or subscription, you are redirected to Uzum Bank for secure card payment.

2. Payment by bank transfer details. Transfer to the Individual Entrepreneur's bank account details.

Once the funds have been received, the Provider sends the User an electronic receipt or other document confirming payment, regardless of the payment method chosen.

Payment for a course is a one-time payment.

Payment for a subscription is a recurring charge (monthly or annually) until automatic renewal is cancelled.

Access opens immediately after payment is confirmed.

Refund Policy

No refund is provided for an already-used subscription period (i.e., the time during which you had open access to the courses).

This rule does not apply where the inability to use the paid access arose through the fault of the Provider, in the event of service defects, an erroneous or duplicate charge, or in other cases provided for by the legislation of the Republic of Uzbekistan.

You may cancel automatic subscription renewal at any time in the Application settings. Upon cancellation, access remains available until the end of the paid period, no further charge will be made, and funds for the period that has already begun will not be refunded.

In the event of early termination of a subscription, the refund amount is calculated in proportion to the number of unused calendar days of the paid period, according to the formula established in the Public Offer.

In addition, a refund is possible in the following cases:

- an erroneous or duplicate charge of funds;

- access to a paid course or subscription was not provided for technical reasons on our part.

To request a refund, please contact support in the Application or by email: safe.guard.uz@gmail.com, indicating the payment date, amount, and transaction number. Requests are reviewed within 15 business days. Refunds are made using the same method by which the payment was made.

Privacy

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.

Anti-Fraud

NeoLex is committed to the security of users' payments and accounts.

We monitor suspicious activity, including repeated payment attempts using different cards, signs of hacking or credential-guessing, and abnormal account behavior. All online payments are additionally verified by the Uzum Bank payment system.

If signs of fraud are detected, access to the account may be temporarily restricted for the duration of the review, which shall not exceed 5 (five) business days, unless a longer period is required under the legislation of the Republic of Uzbekistan or at the request of competent authorities. The User is notified of the results upon completion of the review.

It is prohibited to use another person's card without the owner's consent, to create multiple accounts in order to abuse promotions and bonuses, or to attempt to evade payment or gain unauthorized access to the Application.

If you notice a suspicious charge on your card, please notify us immediately through support in the Application or by email: safe.guard.uz@gmail.com, and contact your bank.

We Accept

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.