Public offer service agreement on organization of issue of tourist cards for tourists in countries of temporary stay
1. General provisions
1.1. This document is a public offer of the limited liability partnership 'Ster' (hereinafter referred to as the 'Contractor'), addressed to all interested members of the public on the terms and conditions defined herein.
1.2. Acceptance of this offer is made in accordance with Article 395 of the Civil Code of the Republic of Kazakhstan and is equivalent to the signing of a contract of reimbursable services in writing, i.e., an offer containing all the essential conditions, from which the will of the person making the offer to sign a contract on the specified conditions with any individual who has made an acceptance of the offer is seen.
1.3. This offer is drafted in accordance with the legislation of the Republic of Kazakhstan and is available for review to all members of the public in the mobile application "Ster" and (or) on the official website of the Contractor: https://ster.me and is applied only when accepting the offer using the said mobile application.
1.4. The provision of the Services by the Contractor is considered personal to the User, the User is not authorized to transfer his rights to third parties.
1.5. If the User does not agree with any of the provisions of this Agreement, the User may not use the Service.
2. Terms and definitions
2.1. In this document, unless otherwise directly apparent from the text, the following terms will have the meanings indicated below: Tourist Card is a prepaid virtual debit bank card issued by a partner bank to make payments for goods, works or services on the territory of the countries of the User’s temporary stay. Agreement is a contract of paid services, signed as a result of full and unconditional acceptance (acceptance of terms and conditions) of this public offer by performing the actions specified in clause 3.3 of this Contract. Contractor is Ster Limited Liability Partnership, a legal entity registered in accordance with the laws of the Republic of Kazakhstan, located at: Kazakhstan, Almaty, BIN: 221140053854. Identification is identification of the User’s identity by means of authorization in the Personal Account (logging into the User’s account) in the Mobile Application. Personal Account is a personal section of the Mobile Application to which the User gets access after registration and/or authorization in the Mobile Application, containing information about the User and his/her actions. Mobile Application is a mobile application called ‘Ster’, which is a set of software available in the Apple App Store and Google Play Market, operating on Android or iOS smartphones, installed on a mobile phone, and/or other device that supports the installation of a mobile application. User is any legally capable natural person who has reached the age of 18, who has fully and unconditionally accepted the terms of this offer, and who has registered in the Mobile Application and uses the Service on its basis. Service is Ster’s Tourist Card service, which enables foreign tourists to pay for travel tickets, hotels, taxis, restaurants, and sightseeing tours in the country of stay, and also to buy goods and services both in shops and on the Internet. Customer Support Service is a subdivision consisting of the Contractor’s employees, controlling and processing incoming requests on a daily and round-the-clock basis, and maintaining communication with the User by e-mail: support@ster.me or via Intercom service. Website is the Contractor’s web resource, i.e. information presented in text, graphic, audiovisual or other form, placed on the hardware and software complex, having a unique network address: https://ster.me and operating on the Internet. Notification is an electronic message sent by the Contractor to the User in the Personal Account, and to the mobile device in the form of a push notification. The notification is considered to be received by the User on the date of its delivery to the Personal Account or mobile device. The Contractor is not responsible for any negative consequences due to the User’s untimely review of the Notifications. Services are providing access to the Service, including, but not limited to, organizing the issuance of the Virtual Card, ensuring uninterrupted operation of the Service, etc. Account data is a unique login (phone number) and password created by the User himself/herself in the process of Registration in the Mobile Application, or changed later by the User through the Personal Account, used for access to the Personal Account after the User's authorization in the Mobile Application.
3. Subject of agreement
3.1. In accordance with the terms and conditions of this Agreement, the Contractor shall provide Services to the User, and the User shall pay for these Services.
3.2. The Service can be accessed by downloading the Mobile Application from the Apple App Store and Google Play Market.
3.3. The User shall be considered to have accepted the terms and conditions of this Agreement in full, without any reservations or exceptions, by performing the following series of consecutive actions that define the User and the content of his/her expression of will:
3.3.1. Uploading/downloading the Mobile Application to your mobile device via the Apple App Store or Google Play Market.
3.3.2. Providing consent to the collection and processing of personal data, including consent to their cross-border transfer.
3.3.3. Registering in the Mobile Application by entering the mobile phone number with the assigned security code received via push notification or SMS message to the User’s subscriber number.
3.3.4. Entering your personal data: surname, first name, registration address.
3.3.5. Uploading scans of the main passport pages.
3.4. When providing Services under this Agreement, the Contractor assumes that all documents and information provided by the User are authentic and reliable, and all signatures in the documents provided by the User are handwritten.
4. Procedure of user registration on the service. Issuance of a tourist card
4.1. The Parties hereby agree that the User’s completion of a number of consecutive actions listed in clause 3.3 of the Agreement is recognized by the Parties as a registration procedure (hereinafter referred to as the 'Registration Procedure'), which results in the formation of an application to the Contractor for the User’s registration on the Service.
4.2. According to the results of the Registration Procedure, the application can be approved, rejected, or returned to the User for corrections and additions. The term of consideration of the application by the Contractor shall not exceed 4 (four) working days from the moment of creation of the relevant application.
4.3. The Registration procedure includes the User’s KYC (Know Your Client) procedure in the Contractor’s partner bank, depending on the country of temporary stay.
4.4. If the Contractor approves the application and the User is registered in the Service, the User is issued a Tourist Card, as a result of which the main functionality of the Service becomes available to the User - the ability to pay for goods, works and services of third parties and (or) Partners on the territory of the countries of temporary stay, provided that the requirements specified in clauses 4.6 and 4.7 of this Agreement are met.
4.5. Information on account activation and Tourist Card issuance will be sent to the User by Notification.
4.6. In order to use the Tourist Card, the User shall set the balance of the Tourist Card in the Mobile Application, indicating the amount of its replenishment. In addition, the User hereby guarantees that the card from which the Virtual Card limit is changed is issued by a bank and (or) credit organization in the name of the User, and the User operates the amount on the card account lawfully.
4.7. Taking into account the different levels of digital banking in the world and the technical features of the Virtual Card depending on the region, the Mobile Application will automatically offer additional opportunities to use the Virtual Card, considering the peculiarities of the operating systems of the mobile device used by the User and the selected country of stay. To review and set up the maximum capacity of using the Virtual Card in the country of residence, the User should go to the section of the Mobile application 'How to use the card' and follow the given instructions.
4.8. When replenishing the Tourist Card via any payment system (bank card, internet banking), the User agrees that the Contractor does not issue an act of work performed (services rendered), electronic invoice, and the User may be charged a commission in favor of the payment system, which, in turn, is set by the payment systems used. In this case the Contractor is not responsible for the commission set by the payment systems.
4.9. The Service is not an organization and (or) system providing payment services, therefore, charging a certain amount from the card when replenishing the Virtual Card and replenishing this amount on the Virtual Card is not a transfer of funds in the sense of regulation by the legislation on payment organizations and payment system, but is the result of payment for the cost of the Service of the Contractor, which ensures the provision of the relevant Service with the help of a partner company within the framework of their civil law relations. Obtaining a Tourist Card by the User does not imply opening an account with the Partner Bank.
5. Rights and obligations of the parties
5.1. The Contractor undertakes to:
5.1.1. Ensure 24-hour uninterrupted operation of the Service.
5.1.2. Ensure the operation of the technical and information support services for Users.
5.1.3. In case of disruptions, defects, or errors in the operation of software and/or hardware, immediately take the necessary measures to fix the problem.
5.1.4. If unauthorized access to the Service is detected, suspend operations until the threat of third party interference with the Service is eliminated.
5.1.5. In case of suspension of the Service due to the scheduled maintenance works, notify the Users in advance about the time and duration of the works.
5.1.6. Register the User in accordance with the procedure established by this Agreement and provide the User with access to the Service within the appropriate scope, provided that the User complies with the established Registration Procedure and the requirements of this Agreement.
5.1.7. Store information about the User’s account status, any account changes and other information during the term of the Agreement and for five years after its termination.
5.1.8. Provide the User with permanent access to the history of transactions in Personal Account for a three-month period.
5.1.9. Provide, upon a special request of the User, a report on all transactions made for a period of up to 5 (five) years from the date of the request.
5.1.10. Ensure the confidentiality and safety of information provided by the User, do not allow its disclosure, except for cases listed in this Agreement, and cases of sending the Contractor an official request from the judicial authorities or other authorized state bodies in accordance with the legislation of the Republic of Kazakhstan.
5.1.11. Organize and ensure the proper provision of the Services under this Agreement.
5.1.12. Provide verbal and written consultations on the User’s questions through the Intercom service and (or) by e-mail to the following address: 'support@ster.me'.
5.1.13. Within a period of not more than (4) working days from the date of submission of the application by the User, review this application and provide the results of the review to the User by sending them a push notification and a detailed message.
5.1.14. Within a period of not more than 15 (fifteen) working days from the date of receiving an application from the User for returning the balance of funds or a part of the balance of funds on the balance of the Tourist Card, perform the return by transferring funds to the details of the card that was used for replenishing the Tourist Card. The application is submitted in the User's Personal Account in the "Withdrawal of Funds" section. This method of refund can be used by the User not later than on the 450th day from the day of topping up the Tourist Card. If the specified term is exceeded, and also in the case mentioned in clause 5.3.4, the refund is made to the details of the User’s bank account specified in the respective application sent to the Support Service. Transfer to bank details is made at the expense of the User. In case of refund in the cases specified in this clause, the commission for the use of the service will not be reimbursed.
5.2. The obligations of the Contractor shall be deemed to have been fulfilled as of the date:
5.2.1. Provision of Services to the User.
5.2.2. The Contractor shall return the balance of funds from the Tourist Card to the User. The Parties hereby agree that the moment of refund is recognized as the moment of debiting the Contractor’s account.
5.3. The Contractor shall be entitled to:
5.3.1. Independently determine the manner and methods of provision of Services based on the requirements of the legislation of the Republic of Kazakhstan and international jurisdictions, and, also, technical capacity, taking into account the wishes of the User.
5.3.2. Provide the User with additional services presented on the Website and (or) Mobile Application, provided that the User accepts the changed terms and conditions in the manner and on the terms and conditions stipulated by this Agreement.
5.3.3. Demand the payment for provided Services in accordance with Section 6 of this Agreement.
5.3.4. Refuse to provide Services to the User or suspend their provision in case of submission of unreliable or false information in any event at its sole discretion, with the return of funds previously paid by the User less costs incurred.
5.3.5. Receive from the User any information necessary for provision of the Services. In case the User fails to provide or gives the information that is incomplete or incorrect, the Contractor shall have the right to suspend performance of its obligations under the Agreement until the required information is provided.
5.3.6. Use the services of any natural persons and legal entities for the purpose of timely and quality provision of Services to the User or transfer their rights and obligations to fulfill their obligations to the User to third parties without agreement with the User.
5.3.7. Modify the software and prohibit access to the Service using outdated software.
5.3.8. In case of detection of malfunctions, errors and disruptions in the operation of software and/or hardware involved in ensuring the operation of the Service, and also for the purposes of preventive maintenance and prevention of unauthorized access to the Service, suspend the operation of software and hardware.
5.3.9. If necessary and if required by the legislation of the Republic of Kazakhstan and (or) other international jurisdictions, request the necessary data of the User, including data of the User’s identity document in order to comply with the requirements of the legislation of the Republic of Kazakhstan on countering legalization (laundering) of criminally obtained revenues and financing of terrorism, in cases explicitly stipulated by this Agreement, and:
5.3.9.1. To activate additional services that require such authorization.
5.3.9.2. In cases where the Contractor has doubts about the legality of the User's actions and the proper use of the Service.
5.3.9.3. In other cases, when the User’s actions affect the interests of the Contractor, other participants of the Service or third parties.
5.3.10. Receive and record personal data of the User. The User hereby consents to collection and processing by the Contractor of his/her personal data, including its cross-border transfer.
5.3.11. Collect, store, process in any way and, if necessary, transfer to third parties the data on the settings and other characteristics of hardware and software used by the User to access the Service, along with other data automatically transferred by the Contractor in the process of its use.
5.3.12. Charge a commission fee for certain types of transactions performed by the User in accordance with the fees available on the Website and/or Mobile Application.
5.3.13. Block the User’s Personal Account until the User provides appropriate explanation at the Provider’s request in cases:
5.3.13.1. complaints from other Users of the Service or third parties about the User’s actions that violate their rights and legitimate interests;
5.3.13.2. improper use of the Service by the User;
5.3.13.3. the User’s committing actions that violate the legislation of the Republic of Kazakhstan;
5.3.13.4. the necessity to identify the User in cases stipulated by this Agreement and (or) the legislation of the Republic of Kazakhstan;
5.3.13.5. detection by the Contractor of an attempt to make (or make) any changes to the Service software on the part of the User;
5.3.13.6. violation of other terms and conditions of the Agreement by the User.
5.3.13.7. In case of suspicious transactions from the User's Personal Account, the Contractor may put the Personal Account on monitoring and put the transactions on hold until communication with the User is established. The suspicious transactions are:
5.3.13.7.1. Usage of proxy servers and anonymizers to gain access to the Service.
5.3.13.7.2. Other operations that, in the opinion of the Contractor, raise suspicion as to whether they are authorized.
5.3.13.7.3. Other operations that meet the characteristics of the definition of suspicious operations, and those operations recognized as suspicious by the officials of the subject of financial monitoring, in accordance with their experience and knowledge.
5.4. The Contractor has the right to refuse to perform transactions in cases:
5.4.1. if there is reason to believe that transactions are carried out for the purpose of money laundering and/or one party (parties) to the transaction is an organization or a person included in the list of organizations and persons associated with the financing of terrorism and extremism;
5.4.2. the User fills in the contact details in the Service incorrectly;
5.4.3. there are attempts to make a payment for the amount exceeding the balance of funds in Personal Account;
5.4.4. the Contractor has a necessity to identify the User in accordance with the terms of this Agreement and (or) the requirements of the legislation of the Republic of Kazakhstan and (or) other international jurisdictions;
5.4.5. there are obstacles to maintain communication with the Service for reasons beyond the control of the Contractor;
5.4.6. the User fails to complete the Registration Procedure;
5.4.7. in other cases when the performance of the operation may cause damages to the Contractor and (or) third parties.
5.5. The User undertakes to:
5.5.1. Fulfill the terms and conditions of this Agreement and, if additional services are provided, the terms and conditions of the respective agreements available on the Mobile Application and/or the Website.
5.5.2. Provide the Contractor with reliable data when registering on the Service and completing the Registration Procedure and be responsible for its completeness and authenticity.
5.5.3. Not to transfer the authentication data and operation data given to them by the Contractor for the purposes of the transaction, including not to allow third parties to use the Personal Account belonging to the User. The User confirms that he/she is solely responsible for the safety of confidential information and for the dissemination of the data of the transaction as a result of possible negligence of the User, criminal attacks by third parties, malware and computer virus attacks and other illegal or negligent actions.
5.5.4. Any action performed from the User’s Personal Account using the User’s Account Data shall be deemed to be an action performed by the User and shall entail the emergence of rights and obligations, as well as liability directly from the User in relation to such actions, including liability for violation of this Agreement or legal regulations in relation to goods and services, information about which is presented on the Service.
5.5.5. Take proper care of the performance and information security of the mobile device accessing the Service.
5.5.6. Not to try to modify the software of the Service in whole or in part, by yourself or by involving third parties.
5.5.7. Recognize electronic documents drawn up using the Service as documents drawn up in a simple written form in accordance with the legislation of the Republic of Kazakhstan.
5.5.8. Timely notify the Contractor of any changes in identification data (change of name due to marriage/divorce, etc.).
5.5.9. Modify his/her authentication data in a timely manner in case of cancellation of the agreement with the mobile operator for the use of the number entered during registration on the Service.
5.5.10. Immediately notify the Contractor upon detecting an operation performed without the User’s consent, unauthorized access to the User’s personal data, loss of authentication data.
5.5.11. Top up only his/her own Personal Account (Personal Account registered using the User’s authentication data and not third parties’).
5.6. The User is prohibited from performing the following activities through the Service:
5.6.1. Replenishment of the Personal Account belonging to another User.
5.6.2. Involvement in legal turnover of money and (or) other property obtained by criminal means through transactions, as well as the use of such money and (or) other property.
5.6.3. Financing of terrorism (terrorist activities) - provision or collection of money and (or) other property or provision of financial services to terrorists and (or) terrorist organizations to carry out terrorist activities.
5.6.4. Completion of a transaction, one of the parties to which are natural and/or legal persons included in the list of organizations and persons associated with the financing of terrorism and extremism.
5.6.5. Engaging in business activities using the Mobile Application and the Service.
5.6.6. Violating the rights of third parties and/or harming them in any form.
5.6.7. Impersonating another person, use "phone number substitution" technologies when interacting with the Contractor.
5.6.8. Uploading, sending, transmitting or in any other way posting and/or distributing any materials containing malware or other computer code, files or programs designed to disrupt, destroy or limit the functionality of any computer or telecommunications equipment or programs, to gain unauthorized access, as well as serial numbers to commercial software products and programs for generating them, logins, passwords and other means of obtaining unauthorized access to any computer or telecommunications equipment or programs.
5.6.9. Unauthorized collection and storage of personal data of other individuals.
5.6.10. Interfering with the proper operation of the Mobile Application.
5.6.11. In any other way violating the norms of the current legislation of the Republic of Kazakhstan, including the norms of international law.
5.7. The User agrees to:
5.7.1. Pay the Contractor timely and in full for the cost of rendered Services in the order, terms and amount stipulated by this Agreement.
5.7.2. Provide the Contractor in due time all information and data necessary for fulfillment by the latter of the terms of this Agreement.
5.7.3. Provide all documents and information necessary for the Contractor to provide the Services in the requested form and quality.
5.7.4. Provide all documents, and perform all relevant actions that constitute the basis of KYC, DD processes on it, if this mandatory norm is set by the country where the customer purchases the Services.
5.7.5. Not to disclose confidential information and other data provided by the Contractor in connection with the fulfillment of this Agreement.
5.7.6. Apply for the Services, including any additional ones, directly through the contacts listed on the Website and (or) the Mobile Application. Not to create conflicts, not to mislead the Contractor.
5.7.7. Independently take measures to protect his/her authentication data, the provided pin code, other data provided to him/her by the Service, with the help of which the unauthorized access or use of the Service can be achieved.
5.7.8. The User is obliged to change the Account Information immediately if the User or the Provider has any reason to suspect that this information has been disclosed or may be used by unauthorized third parties.
5.8. The User is entitled to:
5.8.1. Receive information from the Contractor on the organization and ensuring an appropriate standard of Service provision.
5.8.2. Assist the Contractor in order to improve the quality and satisfaction from the Service provided, as well as to improve the quality of services provided by the Contractor.
5.8.3. Demand proper and timely provision of Services by the Contractor.
6. Service cost and payment procedure
6.1. Provision of the Services by the Contractor is reimbursable and amounts to 6% of the amount of replenishment of the Tourist card by the User. Payment is made by deducting a commission from the User by the Contractor in excess of the amount for which the Tourist card is replenished at the time of the respective operation.
6.2. All services shall be stated in the currency of the invoice. Payment for the Services under this Agreement shall be made on the basis of 100% prepayment and in accordance with the procedure specified in this Agreement.
6.3. The User is solely responsible for the accuracy of payments made by him/her. The moment of payment is considered to be the receipt of funds to the settlement account of the Contractor.
6.4. The commission fee for provision of Services by the Contractor is non-refundable and does not include the fees of third-party payment systems, the User’s bank or partner bank, etc.
6.5. This Agreement shall have the force of an act on rendering services. The acceptance shall be made without signing the respective act. The Services shall be deemed to have been provided properly and in full on the date of replenishment of the limit of the Tourist Card.
7. Blocking and deletion of the user’s personal account
7.1. If the code for entering the Mobile Application is entered incorrectly six times, access to the Mobile Application will be blocked and the previously set code will be reset. Login to the Service is performed by sending a one-time login password to the cell phone number, which was specified when the User registered in the Mobile Application, which must be entered on the registration page. If it is successfully entered, the User shall set a new login code in the Mobile Application.
7.2. In order to enhance security, the User may independently log out of the Mobile Application account. In this case, the previously set Mobile Application login code will be deleted. In order to log in to the account, the User shall enter the cell phone number, which was provided when the User registered in the Mobile Application, on the login page. If it is successfully entered, the User shall set a new login code for the Mobile Application.
7.3. The User’s account can be deleted after sending to the Support Service an application for withdrawal of personal data. In this case, the User’s account will be deleted within 10 days from the date of receiving such an application. When the account is deleted, the User’s personal data, including passport scans, cell phone number, as well as the history of replenishment and deduction of funds, the history of calls to the Support Service, and the Virtual Card will be deleted without the possibility of recovery.
7.4. After the Contractor completes the application for blocking the Personal Account, the Contractor’s responsibility for further use of the Personal Account is terminated, except for cases when the Contractor becomes aware that its illegal use took place with the consent of the Contractor.
7.5. If the User’s Virtual Card had a positive balance on the date of receipt of the application for withdrawal of personal data, the refund is made to the details of the card from which the limit of the User’s Virtual Card was increased. In case the refund on the specified date will be impossible due to the termination of the card and the User did not provide the number of the bank account, the User has the right to apply for a refund within 3 years from the date of deletion of the account. In this case, the fee of the Contractor is not refundable.
8. Liability of the parties
8.1. The Parties shall be liable for non-fulfillment or improper fulfillment of their obligations under this Agreement.
8.2. The User acknowledges that the Contractor shall not be liable to the User in case the User transfers his/her Account data to third parties, intentionally provides access to his/her account and Personal Account in the Service or otherwise violates the confidentiality of data.
8.3. The Contractor is not responsible for temporary unavailability of the Service, failures and errors in the operation of hardware or software, which occurred not through the fault of the Contractor, and is not responsible for possible losses of the User in such cases.
8.4. The Contractor is not responsible for the User’s inability to access the Internet, or software or hardware that ensures the functioning of the Service, and is not liable for the User's related losses.
8.5. The Contractor shall not be liable for the User’s losses resulting from the User's provision of unreliable information on the Service.
8.6. In case of loss of authentication data, blocking of the Personal Account, loss by the User of the password blocking the Personal Account, or other circumstances, the consequences of which cannot be eliminated without identifying the User, the Contractor shall not be liable to the User for possible losses and impossibility to use the Personal Account in the future. Confirmation of the Personal Account belonging to the User is possible by submitting documents in accordance with the procedure stipulated by this Agreement.
8.7. The Parties shall be exempted from liability for failure to fulfill mutual obligations in case if their failure was a result of force majeure circumstances that arose after the Agreement came into force or extraordinary events that could not have been prevented or foreseen before the conclusion of the Agreement. Such extraordinary events or circumstances include, in particular: strikes, floods, fires, earthquakes and other natural disasters, wars, military actions, imposition of emergency regulations, epidemics, actions of Russian or foreign governmental authorities, as well as any other circumstances beyond reasonable control. The Party subject to force majeure circumstances shall notify the other Party not later than 10 days after the occurrence of such circumstances.
8.8. The Contractor shall not be liable for any lost profit incurred by the User, including due to the fact that the User has not got acquainted and (or) untimely got acquainted with the terms of this Agreement and (or) amendments and additions made to this Agreement.
8.9. The User is solely responsible for the accuracy of the cell phone number specified by him/her during registration. In case of inaccuracy of the specified cell phone number, as well as in other cases caused by reasons beyond the control of the Contractor (the message was not sent by the cell phone operator, the User’s cell phone number is blocked, etc.), the Contractor is not responsible for the User’s failure to receive legally important messages.
8.10. The Contractor accepts no responsibility for the content of any other websites and applications and shall not be liable for any loss or damage whatsoever arising, whether actual or alleged, from using or acting upon the content, products or services available on such sites hyperlinked from the Website or Mobile Application.
9. Personal data collection and processing
9.1. By registering in the Mobile Application, the User gives consent to the Contractor and its authorized representatives to process his/her personal data, including: surname, name, patronymic, date and place of birth, postal and actual address, telephone number, passport data, for any action (operation) or set of actions (operations) performed with his/her personal data, including collection, recording, systematization, accumulation, storage, clarification (update, change), extraction, use, transfer (distribution, provision, access), depersonalization, blocking, deletion, destruction of personal data with the use of automation tools, including in information and telecommunication networks, or without the use of such tools, if the processing of personal data without the use of such tools corresponds to the nature of actions (operations) performed with personal data with the use of automation tools, i.e. allows to search for personal data recorded on a tangible medium and contained in card catalogs or other systematized collections of personal data, and/or access to such personal data in accordance with a specified algorithm, as well as to transfer (including cross-border) these personal data to third parties for the purpose of receiving Services.
9.2. The consent is given for the entire term of this Agreement and until the expiration of 5 years after the end of the year in which the Contractor sent the Notice of termination of the Agreement, and may be withdrawn at any time by the User by sending a written notice to the Contractor.
9.3. Access to the Mobile Application from the User’s mobile device may only be used by the User. Transfer of access to third parties is not allowed. The User is responsible for such transfer.
9.4. In case the loss of the password and/or mobile device or their illegal use is detected, as well as in case the User suspects the possibility of such situations, the User shall immediately notify the Contractor by sending a respective application for blocking the Personal Account to the Contractor’s email or calling the Support Service. In case the User sends an electronic application or calls to the Support Service: before 16:00 Almaty time on working days, according to the legislation of the Republic of Kazakhstan, the application for blocking the Personal Account is carried out by the Contractor on the day of receipt of such application; after 16:00 Almaty time on working days, according to the legislation of the Republic of Kazakhstan, the application for blocking the Personal Account is carried out by the Contractor on the next working day; on weekends and public holidays, according to the legislation of the Republic of Kazakhstan, the application for blocking the Personal Account is carried out by the Contractor on the next working day; on weekends and public holidays, according to the legislation of the Republic of Kazakhstan, the application for blocking the Personal Account is carried out by the Contractor on the next working day; on weekends and public holidays, according to the legislation of the Republic of Kazakhstan, the application for blocking the Personal Account is carried out by the Contractor on the next working day.
10. Procedure for making changes to the offer
10.1. The Contractor shall make amendments and additions to this Agreement unilaterally. In order for amendments and additions to this Agreement made by the Contractor on its own initiative to come into effect, the Contractor shall inform the User of such amendments and additions by posting a new version of the Agreement and terms in the Mobile App and on the Website.
10.2. The User shall be obliged to independently monitor the changes made to this Agreement. All amendments and additions made by the Contractor to this Agreement shall come into force at the moment of posting the new edition of the Agreement and terms in the Mobile Application and on the Website.
10.3. The new edition of the offer comes into force from the moment of its placement in the Internet on the official website of the Contractor at: https://ster.me, or in the mobile application 'Ster', unless otherwise provided by the new edition of the offer.
11. Final provisions
11.1. By registering on the Mobile Application the User:
11.1.1. Confirms that he/she got acquainted with all the clauses of the Agreement, fees of the Service and fully understands all the terms and accepts them in full without exceptions and exclusions.
11.1.2. Agrees to the processing of personal data by the Contractor, including, but not limited to, the right to perform, among other things, the following actions: collection, systematization, accumulation, storage, clarification (update, change), use, distribution (including transfer), depersonalization, blocking, destruction of personal data in order to make payments using the Service, marketing communications on the part of the Contractor and (or) third parties and, if necessary, other third parties, as well as in other cases necessary for the maintenance of the personal data.
11.1.3. Gives his/her unconditional and irrevocable consent to the disclosure of bank secrecy (information on operations performed through the Personal Account, including the name of the Personal Account owner). The User’s registration on the Service is equal to the User's written consent to the disclosure of bank secrecy, which he/she would give at the time of his/her personal presence in the bank.
11.1.4. Confirms that he/she is not a legal entity or an individual entrepreneur and agrees that only individuals who do not use the Service for entrepreneurial activities can be Users of the Service.
11.1.5. Confirms that the Contractor is not responsible for actions and/or transactions concluded by third parties as a result of using these operations with the User’s consent.
11.2. This Agreement shall be valid for an indefinite period of time or until its termination by one of the Parties.
11.3. If the Parties fail to reach an agreement, disputes, disagreements or claims arising out of or in connection with this Agreement shall be considered in judicial bodies in accordance with the legislation of the Republic of Kazakhstan at the location of the Contractor.