PAYAM Limited Liability Company , TIN: 02908835, address: Armenia, Yerevan, Mashtots ave. 3/1 room 52, district 1510016228948963, e-mail: armbms@payam.am , represented by General Director Dukhonina Anna Vladimirovna, acting on the basis of the Charter, hereinafter referred to as the "Organizer",
In accordance with the 1980 Vienna Convention on the International Sale of Goods, as well as the Civil Code of the Republic of Armenia, articles 448-469 and 429.1, the following terms of a public offer (service agreement for participation in the Program) are provided for any interested individual with full civil legal capacity, hereinafter referred to as the "Participant".
The current text of this offer is posted on the website at: www.payam.am .Rules

1. Terms and definitions
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A Loyalty Program (hereinafter referred to as the Program) is a relationship in which a Participant who purchases goods/services from Partners, upon presentation of a Participant's Card or a QR-Pay Mobile Application, acquires the right to receive Bonuses and/or other preferences.
The Organizer is a legal entity that implements the Program.
Participant is an individual with full civil legal capacity who has joined the Program.
Partner is an organization/individual entrepreneur who sells goods/services and has signed an agreement with the Organizer to join the Program.
Program Rules (hereinafter referred to as Rules) are the rules that determine the order and conditions of the Program. The rules are set by the Organizer. The text of the Rules is available for review on the website at: https://www.pay-am.com/правила
Participant Card – an electronic card or other identifier (including the QR-Pay mobile application, the Participant's mobile phone number) used to identify the Participant in the Program when purchasing goods/services from Partners.
Bonuses are accounting units that are used for accounting purposes to determine the current scope of each Participant's rights to purchase goods/services from Partners, in accordance with the terms of the Program. Bonuses are not a means of payment and have no material value.
Service is the service of the Organizer, the main function of which is to provide the technical possibility of accounting for the Bonuses of the Program Participant for further transfer to the Program Partners, due to payment for goods/services purchased from them by the Participant through e-commerce channels (website, online store, bot, mobile application, any other channels).

 
2. General provisions
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2.1. A Participant who is involved in the Program by the Organizer and has registered in the Program, in accordance with the Rules, in order to purchase goods/ services from the Organizer or Partners using electronic means of payment, through e-commerce channels (website, online store, bot, mobile application, any other channels necessary for interaction with clients), are entitled to use the Organizer's Service on the terms set out below.
2.2. In accordance with the Rules, the Participant agreed that the payment for the purchased goods/ services from the Partners is accepted initially by the Organizer, for further transfer to the Partners. 
2.3. The conditions for awarding Bonuses and other preferences by the Organizer and Partners when purchasing goods/services under the Program are established by the Rules.
2.4. The Participant is obliged to read this User Agreement before using the Service and accept the terms in full. The Participant's disagreement with the terms of the User Agreement entails the inability to use the Service.
2.5. Acceptance of this User Agreement is carried out by ticking the "V" of consent on the payment page for the payment of goods/services purchased from the Partner of the Participants.
 

3. Using the Service
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3.1. The Service provides the technical possibility of transferring funds in non-cash form from the Participant to the Organizer for goods/services purchased by the Participant and Partners using electronic means of payment through e-commerce channels.
3.2. The Organizer executes the Participant's order to receive and transfer funds from the Participant to the Organizer within the framework of the Program.
 

4. Rights and obligations of the Participant and the Organizer
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4.1. The Participant has the right to:
4.1.1. use the functionality of the Service for its intended purpose;
4.1.2. to provide the Organizer with information for performing actions necessary to use the Service.;
4.1.3. to refuse to receive informational messages by sending a notification to the Organizer at the following email address: armbms@payam.am;
4.1.4. contact the Service support with questions, complaints and suggestions related to the operation of the Service by sending an email to: armbms@payam.am . The deadline for submitting claims is 3 (three) business days from the date of the occurrence of the event in connection with which the claim is being sent.;
4.2. The Participant undertakes to:
4.2.1. provide reliable, up-to-date and complete information when using the Service. At the same time, the Participant agrees that the Organizer is not obliged to verify the accuracy of the information provided by the Participant.;
4.2.2. not to perform actions on behalf of another person, not to provide personal information of third parties, not to use information of third parties in any other way that does not comply with the requirements of the legislation of the Republic of Armenia. The Participant is responsible for these actions, including those that caused losses to the Service.
4.3. The Organizer has the right:
4.3.1. to change the terms of the User Agreement in accordance with clause 6.3 of this User Agreement;
4.3.2. at any time to refuse the Participant access to the Service for technical or other reasons;
4.3.3. to involve third parties in order to achieve the purposes of using the Service, in compliance with the terms of confidentiality and other conditions stipulated in this User Agreement.;
4.3.4. Assign your rights and obligations under this Agreement to a third party at any time.
4.4. The Organizer undertakes to:
4.4.1. to provide the Participant with the opportunity to use the Service in accordance with this User Agreement;
4.4.2. maintain the functionality of the Service, except in cases where this is impossible for reasons beyond the control of the Organizer.
4.4.3. When paying for goods/ services by the Participant, send the Participant an electronic fiscal receipt confirming the receipt of funds.

5. Processing and protection of personal data

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5.1. Subject of regulation: 
* This Article regulates the procedure and conditions for processing the Participant's personal data in accordance with the Law of the Republic of Armenia dated 05/18/2015 No. ZR-49 "On Personal Data Protection".
5.2. Obligations of the parties:
* The Agent undertakes to:
* Process personal data legally and in accordance with the purposes specified in the contract.
* Ensure the confidentiality and security of personal data.
* Take necessary measures to protect personal data.
* The Participant undertakes to:
* Provide reliable personal information.
* Inform the Organizer about changes in their personal data.
5.3. Categories of processed data:
* First name, last name, patronymic.
* Email address.
* Contact phone number.
* Residential address.
* Information about the device (smartphone) The participant and his location.
* Other data required for the purposes of the agreement.
5.4. Purposes of processing:
* Provision of services.
* Improving the quality of service.
* Implementation of marketing campaigns (with the consent of the Participant).
5.5. Processing time:
* Personal data is processed during the term of the Agreement and for 5 (five) years after its termination.
5.6. Consent to processing:
* The Participant consents to the processing of their personal data, which can be revoked at any time.
5.7. Subprocessing:
* The agent has the right to involve subprocessors to process personal data with the obligation to provide a level of protection consistent with the contract.
5.8. Responsibility:
* The Organizer is responsible for violations of the requirements of the Law of the Republic of Armenia "On Personal Data Protection" in accordance with the current legislation.

 
6. Final provisions

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6.1. This User Agreement comes into force from the moment of its acceptance in accordance with the procedure established in clause 2.5. of the User Agreement.
6.2. When a Participant uses the Service, the Organizer considers and protects as "confidential" all information received from the Participant.
6.3. The User Agreement may be amended by the Agent by posting a new version of the User Agreement on the above-mentioned website and/or in the Service application. The Participant undertakes to periodically check this User Agreement on their own for changes (the document indicates the date of its publication). Changes to the User Agreement made by the Organizer will take effect on the day of publication of the new version of the User Agreement. The Participant has the right to refuse to accept amendments and additions to this User Agreement by sending an email to the Agent's email address: armbms@payam.am , which means that the Participant refuses to use the Service.
6.4. The transfer of funds is not and cannot be a transfer of funds with an obligation to repay them (loan agreement or other loan obligation).
6.5. The Organizer is not a payment agent when making settlements in accordance with the terms of this Agreement in accordance with clauses 1, 4, Part 2, Article 1 of Federal Law No. 103-FZ dated 06/03/2009 "On Accepting Payments from Individuals carried out by Payment Agents".
6.6. The legislation of the Republic of Armenia applies to the relations between the Participant and the Organizer.
6.7. This offer is open-ended and is valid until the moment of its withdrawal by the Organizer and/or termination of the Program by the Organizer.