SHINHAN FINANCE USER AGREEMENT 
 
This User Agreement governs the relationship arising between you (hereinafter also the "User") and the Limited Liability Partnership "Shinhan Finance (Shinhan Finance)" (hereinafter also "Shinhan Finance"), separately referred to as "Party", and jointly called "Parties "In connection with the use of the Shinhan Finance Mobile App ("Shinhan Finance Mobile App"). 
 
About the terms of use of the Shinhan Finance Mobile App 
 
In order to use the Shinhan Finance Mobile Application, the User must conclude an agreement with Shinhan Finance by joining the terms of this User Agreement (Public Agreement) when installing the Shinhan Finance Mobile Application on the User's mobile device. Please read the User Agreement carefully, including all of the following terms, before accepting them. You may not use the Shinhan Finance Mobile App if you do not accept any of the terms of this User Agreement. The general terms of use of the Shinhan Finance Mobile App are listed in the General Terms of User Agreement. 
 
The terms of use of the Shinhan Finance Mobile Application may be changed by Shinhan Finance from time to time in the manner provided for in this User Agreement. The current version of the User Agreement is available on the shinhanfinance.kz website. The user can download or receive a copy of the User Agreement on a permanent medium at any time. Upon request, this User Agreement, together with other related information, will be provided to the User by e-mail. 
 
General terms 
 
The Shinhan Finance Mobile App has several functionalities. It can be used by the User to obtain information on the services provided by Shinhan Finance, information on payments made by Shinhan Finance customers, online requests for services. 
 
User Profile 
 
In order to be able to use the functionality of the Shinhan Finance Mobile Application, the User must create and register his profile, which includes, among other things, an access code (login), the associated password for accessing the services of the Shinhan Finance Mobile Application, as well as with which the User's personal data ( "User Profile"). A specific User's mobile phone number ("Device") must also be associated with the User's Profile, through which the User's Profile is registered and the User is authorized when using the services of the Shinhan Finance Mobile Application. The User is obliged to maintain the confidentiality of the username and password of his Profile during the entire period of using the Shinhan Finance Mobile Application. 
 
User rights and obligations 
 
1. The user undertakes to properly comply with the terms of this Agreement. 2. The user undertakes to take appropriate measures to ensure the safety of his username, and is also personally responsible for their safety and confidentiality. 3. The User undertakes not to use the Application for any other purpose other than for purposes related to personal non-commercial use. 4. The client has the right to withdraw consent, but in this case it may become impossible to use the applications. 
 
General terms 
 
The Shinhan Finance Mobile App has several functionalities. It can be used by the User to obtain information on the services provided by Shinhan Finance, information on payments made by Shinhan Finance customers, online requests for services. 
 
 
User Profile 
 
In order to be able to use the functionality of the Shinhan Finance Mobile Application, the User must create and register his profile, which includes, among other things, an access code (login), the associated password for accessing the services of the Shinhan Finance Mobile Application, as well as with which the User's personal data ( "User Profile"). A specific User's mobile phone number ("Device") must also be associated with the User's Profile, through which the User's Profile is registered and the User is authorized when using the services of the Shinhan Finance Mobile Application. The User is obliged to maintain the confidentiality of the username and password of his Profile during the entire period of using the Shinhan Finance Mobile Application. 
 
User rights and obligations 
 
1. The user undertakes to properly comply with the terms of this Agreement. 2. The user undertakes to take appropriate measures to ensure the safety of his username, and is also personally responsible for their safety and confidentiality. 3. The User undertakes not to use the Application for any other purpose other than for purposes related to personal non-commercial use. 4. The client has the right to withdraw consent, but in this case it may become impossible to use the applications. 
 
Shinhan Finance rights and obligations 
 
1. Shinhan Finance has the right to send the User in any way information about the functioning 
of the Application to the email address specified by the User, including posting advertising, informational and other messages within the Application, as well as by the phone number, if specified by the User, as a method of communication with him. 
 
2. Shinhan Finance reserves the right to terminate this Agreement at any time for organizational or technical reasons unilaterally, blocking the possibility of its use. 
 
3. In order to improve and increase the stability of the Mobile Application, Shinhan Finance has the right to collect, store and process statistical information on the User's use of the Shinhan Finance Mobile Application, which includes: • Full Name; • Date of Birth; • phone number; • E-mail address; • statistical information about the use of the Application; 
 
 
Privacy policy 
 
This Privacy Policy for personal information (hereinafter - the Policy) applies to all information that the Shinhan Finance Mobile App may receive about the user while using the Shinhan Finance Mobile App. The user's consent to the provision of personal information given by him in accordance with this Policy within the framework of relations with one of the persons included, applies to all persons. Use of the Shinhan Finance Mobile Application means the unconditional consent of the user to this Policy and the terms of processing of his personal information specified therein; in case of disagreement with these conditions, the user must refrain from using the Services. 
 
1. Personal information of users, which is received and processed by the Shinhan Finance Mobile Application 1.1. Within the framework of this Policy, "personal user information" means: 1.1.1. Personal information that the user provides about himself by independently filling out feedback forms, including the user's personal data. Information required for the provision of the Services (provision of services) is marked in a special way. Other information is provided by the user at his discretion. 1.1.2 Data that is automatically transmitted in the course of their use by means of the software installed on the user's device, including the IP address, information about the user's browser (or other program through which the Services are accessed), access time, address of the requested page. 
1.2. This Policy applies only to this Shinhan Finance Mobile App. Shinhan Finance does not control and is not responsible for third party sites and mobile applications to which the user can click on links available in this Shinhan Finance Mobile Application, including in search results. On such sites and applications, the user may collect or request other personal information, as well as other actions may be performed. 
1.3. The Shinhan Finance Mobile Application generally does not verify the accuracy of the personal information provided by users and does not monitor their legal capacity. However, the application assumes that the user provides reliable and sufficient personal information on the issues proposed in the registration form, and keeps this information up to date. 
 
2. Purpose of collecting and processing personal information of users 2.1. The Shinhan Finance Mobile Application collects and stores only those personal data that are necessary for the provision and provision of services (execution of agreements and contracts with the user). 2.2. The Shinhan Finance Mobile Application may use the user's personal information for the following purposes: 2.2.1. Party identification under agreements and contracts with Shinhan Finance 2.2.2. Providing the user with an application for personalized services; 2.2.3. Communication with the user, including sending notifications, requests and information regarding the use of the Services, processing requests and applications from the user; 2.2.4. Improving the quality, ease of use, developing services, including developing a credit model and statistical analysis to improve the company's customer service system; 
 
3. Data to be collected and used: 3.1. Contact information (type of contact, number, favorite contacts, e-mail, name, last contacts); 3.2. SMS (type and date, time of sent and received messages, SMS number, time zone, etc.); 3.3. Application installation history, information about events in the calendar, mobile phone model (manufacturer, year of manufacture); 3.4. Information about Wifi, Bluetooth; 3.5. Basic personal information (last name, first name, patronymic, date of birth) is collected and processed in coded form. Messages, calls and other personal information are not collected and / or processed; 3.6. The data is subject to cross-border transmission and processing by Lenddo Crepass AO through Shinhan Card AO located in the Republic of Korea. 
4. Conditions for processing the user's personal information and transferring it to third parties 4.1. The Shinhan Finance Mobile Application stores personal information of users in accordance with the internal regulations of specific services. 4.2. With regard to the user's personal information, its confidentiality is preserved, except in cases of voluntary provision by the user of information about himself for general access to an unlimited number of persons. 4.3. Shinhan Finance has the right to transfer the user's personal information to third parties in the following cases: 4.3.1. The user has expressed his consent to such actions; 4.3.2. The transfer is provided for by Kazakhstan or other applicable legislation within the framework of the procedure established by the legislation; 4.3.3. In order to ensure the possibility of protecting the rights and legitimate interests of Shinhan Finance or third parties in cases where the user violates the User Agreement for Shinhan Finance Mobile Application services 4.4. When processing personal data of users, Shinhan Finance is guided by the Law of the Republic of Kazakhstan "On Personal Data". 

 5. User's change of personal information 5.1. The user can at any time change (update, supplement) the personal information provided by him or part of it, as well as the parameters of its confidentiality. 
 
6. Measures used to protect the personal information of users of the Mobile Application. Shinhan Finance takes necessary and sufficient organizational and technical measures to protect the user's personal information from unauthorized or accidental access, destruction, alteration, blocking, copying, distribution, as well as from other illegal actions of third parties with it. 
 
7. Period of storage and processing of information: 7.1. The information is stored and used from the moment of consent to collection and use until the termination of (financial) transactions. 7.2. Upon reaching the period of storage and processing of information, it will be stored and used only when necessary to deal with incidents, manage risks, resolve conflicts, resolve complaints and fulfill obligations established by law. 
8. Changes to the Privacy Policy. Applicable law 8.1. Shinhan Finance has the right to make changes to this Privacy Policy. When making changes in the current edition, the date of the last update is indicated. The new version of the Policy comes into force from the moment it is posted, unless otherwise provided by the new version of the Policy. 8.2. The law of the Republic of Kazakhstan shall apply to this Policy and the relationship between the user and the Shinhan Finance Mobile Application arising in connection with the application of the Privacy Policy. 
 
 
Warranties and liability of the parties 
 
1. The user guarantees that he will not take any action aimed at causing damage to the owner of the rights to the Shinhan Finance Mobile Application, cellular mobile operators, copyright holders and other persons. 
 
2. In case of violation of the rules for using the Shinhan Finance Mobile Application specified in the section "User rights and obligations" of this Agreement, as well as in case of violation of paragraph 3. of this Agreement, the User undertakes to reimburse Shinhan Finance for harm and all losses caused by such actions. 
 
 
Features of using the application with the same account simultaneously on multiple mobile devices 
 
1. The user is notified that the Shinhan Finance Mobile App with the same account can only be installed on one mobile device at a time. 

 
Final provisions 
 
1. Issues not regulated by this Agreement are subject to resolution in accordance with the legislation of the Republic of Kazakhstan. 
 
2. In the event of any disputes or disagreements related to the execution of this Agreement, the User and Shinhan Finance will make every effort to resolve them through negotiations between them. If the disputes are not resolved through negotiations, the disputes shall be resolved in the jurisdiction of the court at the location of Shinhan Finance in the manner prescribed by the current legislation of the Republic of  Kazakhstan. 
 
3. This Agreement enters into force for the User from the moment of its registration in the Application on the User's mobile device. This Agreement is valid indefinitely. 
 
4. This Agreement is drawn up in Russian, which is understandable for the User and Shinhan Finance. 
 
5. If any of the provisions of this Agreement is held invalid, this does not affect the validity or applicability of the remaining provisions of this Agreement. 
 
 
 
Information on Shinhan Finance 
 
Limited Liability Partnership "Microfinance Organization" Shinhan Finance " 050000 Almaty, st. Auezov building 48, 2nd floor, office 2/3 BIN 141140019532 Bank details: IIC KZ244350017010050521 Shinhan Bank Kazakhstan tenge JSC (main account) BIK SHBKKZKA Tel: 8 727 3552550 
 
Information offered and accepted Shinhan Finance LLP, Shinhan Card JSC, Lenddo Crepass