Payment and Refund Rules

These Payment and Refund Rules (hereinafter - the Rules) regulate the relationship between the Performer and the Customer related to the payment for services under the Agreement and the refund of the paid cost of services in case of early termination of the Agreement.

1. The final cost of the Services is determined taking into account the selected product/service by the Customer. Payment for the Services is made by non-cash payment in one of the ways indicated on the Website, at the Customer's choice, by transferring funds to the Performer's account.

2. When paying on the Website or through the Personal Account, payments are accepted from VISA, MasterCard, ELCART, and other cards, as well as electronic wallets. Payment transfers are made in accordance with the Rules of international payment systems Visa and MasterCard (hereinafter - payment systems) based on the principles of maintaining the confidentiality and security of payment using modern methods of verification, encryption, and data transmission through closed communication channels. Regarding the rules and procedure for making payments using payment systems, the Customer shall be guided by the rules of the respective payment systems and directly contact the operators of the respective payment systems for explanations and consultations. By this, the Performer reserves the right to provide information support regarding the payment of Services using payment systems within its competence. However, nothing in this appendix obliges it to provide such information support, be responsible for the completeness of the information provided, or bear other consequences of the Customer's choice of the method of payment for services and/or payment system.

3. To pay for the Services with a Visa or MasterCard bank card, when choosing the payment method, you need to click the "Pay by credit card" button, and to complete the payment, you need to click the "Pay" button.

4. Payment for the order is made after being redirected to the secure payment page of the payment system operator and/or the respective bank to enter the bank card details. The connection to the payment page and the transfer of information are carried out in a secure mode using the 3D Secure technology.

When entering bank card details on the payment page, the Customer needs to input the following card information: card number, cardholder's name, card expiration date, and a three-digit security code (CVV2 for VISA or CVC2 for MasterCard). All necessary information is printed on the card. The three-digit security code is the three digits located on the back of the card. If the Customer's bank supports secure internet payments technology like MasterCard SecureCode or Verified by Visa, a special password may be required to complete the payment.

5. The Customer's bank card details are not stored on the Performer's server or on the Website, and the Performer has no access to the Customer's payment details. The confidentiality of the information provided by the Customer, including personal data and payment details, is ensured by the operator of the respective payment system and/or the Customer's bank.

The information provided by the Customer, including payment details and bank card data, is not disclosed to third parties except as provided by the legislation of the Kyrgyz Republic.

6. The bank may refuse payment in the following cases:

6.1. The bank card is not intended for online payments; the Customer can inquire about this by contacting the servicing bank.

6.2. Insufficient funds on the bank card.

The Customer can inquire about the availability of funds on the bank card by contacting the bank that issued the bank card;

6.3. Incorrect input of bank card data;

6.4. The bank card has expired.

The card's expiration date is usually indicated on the front side of the card (it is the month and year until which the card is valid). The Customer can inquire about the card's expiration date by contacting the bank that issued the bank card.

7. The Performer does not control the software and hardware complex of the payment system and/or the bank. If, as a result of any errors, the Customer's funds have been debited but the payment has not been authorized by the payment system and/or the bank, the responsibility for refunding the Customer's funds lies with the payment system operator and/or the respective bank.

8. The refund of the funds paid by the Customer may be made in the following cases:

8.1. The Service/product was not provided due to the Performer's fault within the agreed-upon period;

8.2. The Customer contacted the Performer before the commencement of the Service, notifying of the termination of the Agreement and requesting a refund of the funds;

8.3. In cases specified in clause 14 of this Appendix.

9. The Performer makes a full or partial refund of the funds paid by the Customer based on a written request from the Customer sent to the Performer's email address info@aptocms.com, followed by sending the original request to the Performer's postal address: Kyrgyz Republic, city of Bishkek, Pervomaysky district, Abdrahmanova street, house 97, apartment 29.

The Performer may require the Customer to complete an approved refund request form.

10. In case the Customer cancels the Agreement before the Performer provides the product/service, except for payments made on credit terms, the Performer refunds 100% of the amount paid to the Customer.

11. If the Customer cancels the Agreement before the provision of goods/services by the Performer, paid for using credit funds, the Performer refunds the funds to the respective bank, minus the commissions deducted by the bank from the Performer. The Performer is not responsible for and does not reimburse the Customer for the interest accrued on the use of funds payable by the Customer to the bank in accordance with the Agreement concluded between the Customer and the bank.

12. If the Customer cancels the Agreement within 30 (thirty) calendar days from the date of the provision of goods/services by the Performer, the Performer refunds 50% of the amount paid to the Customer. In this case, if the goods/services are paid for using credit funds, the Performer refunds the funds to the respective bank, minus the commissions deducted by the bank from the Performer. The Performer is not responsible for and does not reimburse the Customer for the interest accrued on the use of funds payable by the Customer to the bank in accordance with the Agreement concluded between the Customer and the bank.

13. For the purpose of unambiguous interpretation: when the Customer refuses services paid for using credit funds (banking products - consumer loans, installments, etc.), the refund amount and the Performer's expenses are calculated based on the amount of funds received by the Performer from the bank as payment for the services provided to the Customer.

14. If the Customer cancels the Agreement after 30 (thirty) calendar days from the date of the provision of goods/services by the Performer, no refund of funds is made.

15. The refund of funds is made to the account from which the payment was made, within a period of up to 30 days from the date of receipt of the Customer's Request (the specific refund period depends on the bank that issued the Customer's bank card).

16. In case of changes to the Customer's payment details, as well as when paying for services by a banking organization using credit funds, the Customer undertakes to specify the bank details for the refund of funds in the Request.

If the Customer fails to provide bank details, the Performer is not responsible for incorrect and/or untimely transfer and/or non-transfer of funds to the Customer's payment details provided by the Customer at the time of payment for services.