Public offer

1. Definitions

The following terms are used in this Offer:

• Provider — Individual Entrepreneur Orinov Shohabbos Otkirbek ogli (TIN: 593282894), acting on the basis of a certificate of state registration, the rights holder of the Loome software.
• Customer — the legal entity or individual entrepreneur that has accepted the Offer.
• Service — provision of access to the Loome software over the Internet (SaaS model).
• Plan — the scope and price of the service as set out in section 4 (Plus or Pro).
• Billing period — the period paid for in advance by the Customer (1, 6 or 12 months).
• Conventional unit (c.u.) — an accounting unit equal to one US dollar. All payments are made in the national currency of the Republic of Uzbekistan, the soʻm.
• Customer's client — the Customer's own client (a natural person) whose data the Customer enters into the system.
• Personal data — as defined in article 4 of the Law of the Republic of Uzbekistan “On Personal Data” (ZRU-547 of 02.07.2019).

2. Subject of the offer

2.1. The Provider grants the Customer the right to use the Loome software within the selected Plan (a simple, non-exclusive licence), and the Customer pays for the service.

2.2. The software is not transferred to the Customer. Exclusive rights to Loome and all its intellectual property remain with the Provider.

2.3. The Service is provided “as is”. The Provider does not warrant that the software meets every specific requirement of the Customer.

3. Status of the Provider

3.1. The Provider is NOT a microfinance institution, a bank or a credit bureau. The Provider:

• does not grant credit, loans or instalment finance and does not provide funding;
• is not a party to the contract between the Customer and the Customer's client;
• does not decide on, or make recommendations about, the creditworthiness of the Customer's client;
• is not responsible for the lawfulness, licensing or regulatory compliance of the Customer's instalment-sales activity.

3.2. Loome is a record-keeping and accounting tool. All obligations of the Customer towards its own clients, and all risks arising from its instalment-sales activity, remain entirely with the Customer.

4. Plans

4.1. The “Plus” plan

A complete system for running a shop. No limit on the number of users, branches or contracts.

• instalment contracts, payment schedules and late-fee accounting;
• client database, guarantors, leads and an internal blocked list;
• cash desk, shifts, payments, returns and finance;
• inventory, products, goods receipts and stocktaking;
• multiple branches, staff and a role system, audit log;
• document templates, PDF generation, reports and analytics.

The following integrations are connected at no extra charge: telephony, SMS gateway, Telegram, lead capture from social networks, payment systems. The Customer uses its own account and pays those services directly to the provider.

4.2. The “Pro” plan

Everything in the “Plus” plan, plus the ability to connect the integrations set out in section 8: credit bureau, remote identity verification and automatic charging of a bank card. The integrations go live in stages under clause 8.1.5 and are not included in the plan price until they do.

4.3. “Enterprise”

On-premise deployment (on the Customer's own server) — this Offer DOES NOT APPLY to such a service. It is provided under a separately signed contract.

4.4. Development of the software

The Provider may add new features and improve existing ones. Removal of an existing feature, or a material restriction of it, is carried out with at least 30 days' notice to the Customer.

5. Price of the service

5.1. Prices are set in conventional units (c.u.). Payment is made in soʻm under section 6.

5.2. The subscription price of the “Plus” and “Pro” plans is the same. The one-off fee for connecting the “Pro” integrations is set out in clause 8.2.

5.3. The discount applies when the whole Billing period is paid in advance in a single payment.

Prices exclude / include VAT (mark as applicable).

6. Payment terms

6.1. Payment is made in the national currency of the Republic of Uzbekistan, the soʻm. The amount in soʻm is calculated as follows:

Amount (soʻm) = Plan price (c.u.) × the US dollar rate set by the Central Bank of the Republic of Uzbekistan on the date the invoice is issued.

6.2. The invoice states the amount in conventional units, the rate applied, the date of that rate and the final amount in soʻm. The amount in soʻm does not change after the invoice is issued, even if the rate changes afterwards.

6.3. Payment is made in advance and in full for the selected Billing period.

6.4. Payment is due within 7 (seven) calendar days of the date the invoice is issued.

6.5. The Service is provided from the day the payment reaches the Provider's account.

6.6. Prepaid amounts

6.6.1. Payment for a prepaid Billing period is non-refundable.

6.6.2. If the Customer terminates early, the Service is provided until the end of the paid Billing period. The unused part of the amount paid is not refunded and is not carried over to another period.

7. Trial period and late payment

7.1. Trial period

7.1.1. The Customer is given a free trial period of 30 (thirty) calendar days. It starts on the day the Provider activates the account after checking the Customer's documents.

7.1.2. No payment obligation arises during the trial period. If the Customer does not pay once it ends, access to the Service is suspended; data is retained for 90 (ninety) days.

7.2. Late payment

7.2.1. When the Service is suspended the Customer's data is not deleted and is retained for 90 (ninety) days. Access is restored once the debt is paid.

7.2.2. If the debt is unpaid after 90 days, the Provider may terminate the contract and delete the data. The Customer is given at least 15 days' notice.

8. “Pro” plan integrations

8.1. General terms

8.1.1. The Customer concludes the contracts with the credit bureau, the identity-verification system, the device-identifier service and the payment institution itself. The Provider is not a party to those contracts.

8.1.2. The Provider is not a microfinance institution and is not entitled to work with credit bureaus directly. The relevant contract is therefore executed in the Customer's name only.

8.1.3. The Provider's service consists of: assistance in preparing the document set, technical connection and configuration, testing, and displaying the results in the Loome interface.

8.1.4. The Customer pays the per-request charges directly to the relevant service provider. The Provider is not an intermediary for those payments.

8.1.5. The integrations set out in this section go live in stages and begin operating once contracts with the relevant state bodies and service providers are in place. An integration is not considered available until technical connection is complete, its price is not included in the subscription, and the Provider gives no guarantee as to the go-live date.

8.2. Connection fee

8.2.1. Within the “Pro” plan, the following three integrations are intended to be connected (under clause 8.1.5, as and when each goes live):

• credit bureau — a credit-history enquiry (enforcement-proceedings and alimony information forms part of that enquiry);
• remote identity verification;
• automatic charging of a bank card.

8.2.2. The one-off fee for connecting all three integrations is 1,000 (one thousand) c.u. The fee is charged for the package as a whole and does not vary with the number of integrations. It is charged only for integrations whose connection work has actually begun.

8.2.3. The connection fee is non-refundable once connection work has begun — including where the Customer is unable to conclude a contract with the external service. It is not part of the subscription and is paid separately.

8.3. Automated decisions

8.3.1. The check results, scores and indicators provided by the system are informational. The decision whether to grant instalment credit is taken by the Customer alone.

8.3.2. Under article 24 of the Law “On Personal Data”, a natural person has the right not to be subject to a decision producing legal effects concerning them that is based solely on automated processing. The Customer undertakes to comply with that requirement.

8.3.3. The Customer must obtain from its client the consent required by law in order to carry out a check.

8.4. Restriction of a device on the operator network (planned)

8.4.1. This service is not yet available. It will go live once contracts with the mobile operators and the authorised organisation are in place. Until it does, it is included neither in the subscription nor in the connection fee under clause 8.2.2, and the Provider gives no guarantee as to its go-live date.

8.4.2. If the service goes live, entering a device identifier in the registry will be carried out solely on the basis of the prior written consent of the Customer's client. The terms of that consent, the grounds for entry and the procedure for cancelling it are set out in the contract between the Customer and its client; responsibility for lawfulness and consequences rests entirely with the Customer.

8.4.3. This section is distinct from the device-management (MDM) profile described in clause 8.7: MDM runs on the device itself and does not affect the mobile operator's network.

8.5. Automatic bank-card charging

8.5.1. Automatic charging is carried out on the basis of the consent of the Customer's client, executed in accordance with the payment institution's rules.

8.5.2. The Customer concludes the contract with the payment institution in its own name. Card details are held by the payment institution — the Provider neither receives nor stores them.

8.5.3. The Provider is not the party executing the payment. Its role is to send the request to the payment institution and reflect the result in the system. If a payment fails, recovery of the debt remains the Customer's responsibility.

8.6. Limitations

8.6.1. The Provider is not responsible for the availability of an external service, its uninterrupted operation, its response time, or the accuracy and completeness of its data.

8.6.2. If an external service changes its pricing or technical conditions, the Provider carries out the work of adapting the integration under a separate agreement.

8.6.3. If an external service terminates its contract with the Customer, the corresponding integration stops working. This is not a breach of the Provider's obligations.

8.7. Device-management (MDM) profile

8.7.1. The system allows the Customer to install a device-management (MDM) profile on a mobile device sold on instalments and, through it, to restrict use of the device temporarily.

8.7.2. Roles. The device belongs to the Customer, and the Customer enrols it in the name of its own organisation. The Provider does not sell, buy or own devices; its role is to supply the software tool.

8.7.3. Consent. The profile is installed solely on the basis of the prior written consent of the Customer's client. Obtaining and documenting that consent is the Customer's responsibility.

8.7.4. Limits of the restriction. While restricted, the device retains the ability to call emergency services. The profile gives no access to the client's private messages, calls, photographs or other personal content; the client's data is not deleted.

8.7.5. Lifting. The restriction is lifted automatically once the debt is paid in full. Removal of the profile itself from the device is carried out by the Customer, in accordance with the contract it has concluded with its client.

8.7.6. This section does not concern restriction of a device on the operator network (clause 8.4) — MDM runs on the device itself and does not affect the mobile operator's network.

9. Personal data

9.1. The parties comply with the Law of the Republic of Uzbekistan “On Personal Data” (ZRU-547 of 02.07.2019; as amended by ZRU-1125 of 26.03.2026).

9.2. Allocation of roles

9.2.1. The Customer is the owner of the database of its clients' personal data. The Provider acts as an operator processing that data on the Customer's instructions.

9.2.2. The Provider processes the data of the Customer's clients solely for the purpose of providing the Service, does not use it for its own purposes, and does not sell or disclose it to third parties.

9.3. The Customer's obligations

• obtain from its clients consent to the processing of personal data in the form required by law (article 21);
• inform clients that they are being entered into a database, of the purposes of processing and of their rights (article 23);
• enter into the system only data that is necessary and sufficient for its activity (article 19);
• grant staff access only within the scope of their duties and configure roles correctly.

Responsibility for the consequences of failing to meet these obligations rests with the Customer.

9.4. The Provider's obligations

• take legal, organisational and technical measures to protect the data (article 27), including: storing identifying data in encrypted form, access control, and keeping an action log;
• maintain confidentiality (article 28);
• register the database in the State Register of Personal Data Databases (article 20);
• appoint a person responsible for the processing and protection of data (article 31);
• notify the Customer within 72 (seventy-two) hours of a detected data-security breach.

9.5. Data storage

9.5.1. The Provider applies the protective measures set out in clause 9.4. Data is stored on servers located in a state included in the list of states providing an adequate level of protection approved by the Cabinet of Ministers of the Republic of Uzbekistan, in accordance with the amendments introduced by Law ZRU-1125.

9.5.2. Biometric and genetic data, and any other categories of data for which the legislation requires storage within the Republic of Uzbekistan, are stored within the Republic of Uzbekistan.

9.5.3. The procedure and frequency of backups are agreed separately with the Customer.

9.5.4. After the contract ends the Customer may export its data within 30 days. After 90 days the Provider deletes the data (article 17), except where legislation requires it to be retained.

10. Liability

10.1. The Provider's liability is limited to the amount of service fees paid by the Customer over the last 3 (three) months.

10.2. The Provider is not liable for:

• the Customer's decisions to grant instalment credit and the losses arising from them (unrecovered debt, penalties, legal costs);
• claims by the Customer's clients;
• the accuracy of data entered into the system by the Customer;
• the actions of the Customer's staff, including disclosure of login credentials;
• failures of third-party services (mobile operators, payment systems, the internet provider, state information systems);
• indirect losses, lost profit or reputational damage.

10.3. The Customer is fully responsible for the lawfulness of its own activity, including compliance with the requirements governing instalment sales.

11. Availability of the Service

11.1. The Provider takes reasonable measures to keep the Service running without interruption.

11.2. Planned maintenance is carried out with at least 24 hours' notice.

11.3. No guaranteed uptime (SLA) is set for the “Plus” and “Pro” plans. An SLA is agreed separately only under an “Enterprise” contract.

12. Formation, term and termination

12.1. The Offer is deemed accepted by either of the following actions: (a) registering in the system and logging in for the first time; or (b) paying an invoice.

12.2. From the moment of acceptance the Offer is equivalent to a contract concluded in writing and remains in force until the end of the paid Billing period. If the next Billing period is paid for, the contract renews automatically.

12.3. The Customer may terminate the contract at any time. Clause 6.6 applies.

12.4. The Provider may terminate the contract unilaterally: (a) in the case set out in clause 7.2.2; (b) where the Customer uses the software for unlawful purposes; (c) where the Customer grossly breaches its obligations under section 9.

12.5. The Provider may amend the Offer. Amendments are published on loome.uz and take effect 10 (ten) calendar days after publication. A price change does not apply to the current prepaid Billing period.

13. Final provisions

13.1. The parties are released from liability in circumstances of force majeure. If such circumstances last more than 60 days, either party may terminate the contract.

13.2. Disputes are settled through negotiation. A written claim is considered within 15 (fifteen) days. Failing agreement, the dispute is heard by the competent court in accordance with the legislation of the Republic of Uzbekistan.

13.3. This Offer is governed by the legislation of the Republic of Uzbekistan.

13.4. The current version of the Offer is published permanently on loome.uz. The Customer may review it and download a copy at any time.

13.5. Texts of the Offer in other languages are provided for information. In the event of a dispute, the Uzbek text prevails.

13.6. Correspondence between the parties is conducted by email and is deemed to satisfy the requirement of written form.

13.7. By accepting the Offer the Customer confirms that it has fully reviewed all of its terms, understood them and accepted them unconditionally.

14. Provider's details and contacts

Individual Entrepreneur

Orinov Shohabbos Otkirbek ogli

Certificate

No. 7900554 of 22.07.2026

Registered address

7 Navruz str., apt. 27, Yangihayot district, Tashkent

TIN

593282894

Business activity code

62010

Phone

+998 97 455 61 62, +998 95 465 65 95

Telegram

@loome_admin

E-mail

abm@loome.uz

Website

loome.uz