These Rules for payment and refund of funds (hereinafter referred to as the Rules) govern the relations between the Contractor and the Customer related to payment for services under the Agreement and the return of the paid cost of services in the event of early termination of the Agreement.

1. The final cost of the Services is formed taking into account the product/service selected by the Customer.
   Payment for Services is made by bank transfer using one of the methods specified on the Site, at your choice.
   The Customer by transferring funds to the Contractor’s account.
2. When paying on the Site or through your Personal Account, VISA cards are accepted for payment,
   MasterCard, ELCARD, and electronic wallets.
   Transfer of payments is made in accordance with the Rules of the international payment systems Visa and MasterCard (hereinafter referred to as payment systems) on the principles of maintaining confidentiality and security of making a payment using modern methods of verification, encryption and data transfer via closed communication channels. For questions regarding the rules and procedure for making payments via payment systems, the Customer is guided by the rules of the relevant payment systems and directly contacts the operators of the relevant payment systems for clarifications and consultations. The Contractor hereby reserves the right to provide information support regarding the payment for Services using payment systems within the limits of 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 choice of the method of payment for services and/or the payment system by the Customer.
3. To pay for Services with a Visa or MasterCard bank card, when choosing a payment method
   you need to click the “Payment by bank card” button and to complete the payment you need to click the “Pay” button.
4. Payment for the order is made after redirection to the secure payment page of the payment system operator and/or the relevant bank to enter the bank card details. Connection to the payment page and transfer of information are carried out in a secure mode using 3D Secure technology.
   On the page for entering bank card data, the Customer must enter the bank card data: card number, cardholder name, card expiration date, three-digit security code (CVV2 for VISA or CVC2 for MasterCard). All necessary data is printed on the card itself. The three-digit security code is three digits located on the back of the card. If the Customer's bank supports the secure online payment technology MasterCard SecureCode, Verified by Visa, a special password may be required to make the payment.
5. The Customer's bank card details are not stored on the Contractor's server or on the Website,
   The Contractor does not have 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 relevant payment system and/or bank.
   Customer. Information entered by the Customer, including payment details, bank card data is not provided to third parties except in cases stipulated by the legislation of the Kyrgyz Republic.
6. The bank may refuse to make a payment in the following cases:
   • 6.1. the bank card is not intended for making payments via the
     Internet; The customer can find out about this by contacting the servicing bank.
   • 6.2. there are insufficient funds to pay on the bank card.
     The Customer can find out more about the availability of funds on the bank card by contacting the bank that issued the bank card;
   • 6.3. bank card details entered incorrectly;
   • 6.4. the bank card has expired.
     The card's expiration date is usually indicated on the front side of the card (this is the month and year until which the card is valid). The Customer can find out more about the card's expiration date by contacting the bank that issued the bank card.
7. The Contractor does not control the software and hardware complex of the payment system and/or
   bank. If, as a result of any errors, the Customer's funds were written off, but the payment was not authorized by the payment system and/or the bank, the responsibility for returning the funds to the Customer rests with the payment system operator and/or the relevant bank.
8. The refund of funds paid by the Customer may be made in the following cases:
   • 8.1. The service/product was not provided within the specified time frame due to the fault of the Contractor;
   • 8.2. Before the start of the service provision, the Customer submitted a notice of termination of the Agreement and refund of funds;
   • 8.3. in the cases specified in paragraph 14 of this Appendix.
9. A full or partial refund of the funds paid by the Customer is made
   By the Contractor on the basis of a written application from the Customer sent to the Contractor's e-mail genextkg@gmail.com with subsequent sending of the original to the Contractor's postal address: Kyrgyz Republic, Bishkek Oktyabrsky district, Kok-Zhar railway station, st. Kuyruchuk 28The Contractor has the right to require the Customer to complete the approved form of the application for a refund of funds.
10. If the Customer refuses the Agreement before the Contractor provides
    goods/services, with the exception of payment under the terms of payment using credit funds, the Contractor returns 100% of the amount paid to the Customer.
11. If the Customer refuses the Agreement before the Contractor provides
    goods/services paid for using credit funds, the Contractor shall return the funds to the relevant bank, minus the amounts of commissions withheld by the bank from the Contractor. The Contractor shall not be liable for the payment and shall not reimburse the Customer for the amount of accrued interest for 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 provision of the goods/services by the Contractor, the Contractor shall return 50% of the amount paid to the Customer. In this case, if the goods/services were paid for using credit funds, the Contractor shall return the funds to the relevant bank, minus the amounts of commissions withheld by the bank from the Contractor. The Contractor shall not be liable for payment and shall not reimburse the Customer for the amount of accrued interest for 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: if the Customer refuses services paid for using credit funds (banking products - consumer loans, installments, etc.), the amount to be returned and the Contractor's expenses are calculated from the amount of funds received by the Contractor from the bank in payment for services rendered to the Customer.
14. If the Customer cancels the Agreement after 30 (thirty) calendar days from the date of provision of the goods/services by the Contractor, no refund will be made.
15. Refunds are made to the account from which the payment was made within 30 days from the date of receipt of the Customer's Application (the specific refund period depends on the bank that issued the Customer's bank card).
16. When changing the Customer's payment details, as well as when paying for banking services
    organization with the use of credit funds, the Customer undertakes to indicate in the Application the bank details for the return of funds.

If the Customer fails to provide bank details, the Contractor shall not be liable for
incorrect and/or untimely transfer and/or non-transfer of funds according to the payment details of the Customer specified by the latter when paying for services.