The Borrower has the right to:
1. From the moment of signing the Agreement until the moment of receiving the funds, the Borrower has the right to refuse the loan without compensation.
2. Dispose of the received loan in accordance with the terms and conditions set out in this Agreement.
3. If the due date for repayment of the principal debt and/or interest falls on a weekend or public holiday, the Borrower may make the payment on the next business day without paying a penalty.
4. Repay the loan early at any time without any commissions, penalties, or other payments in accordance with the legislation of the Kyrgyz Republic.
5. Request a new repayment schedule in the event of early partial repayment of the loan.
6. Submit a written request to the Company in case of any disputes.
7. Exercise the right of first refusal to purchase pledged property in accordance with the pledge agreement.
8. Receive explanations/consultations from Company employees about the loan conditions, including information about the full cost of the loan product, payment terms, penalties, and fines, in the state and/or official language of the Borrower's choice. Agreements/contract drafts are provided in the state or official language (with the Borrower's right to choose the language).
9. Receive quality service from Company employees when applying for a loan. The Borrower has the right to report any abuse or misconduct by Company employees, including coercive actions or any form of corruption, to the Company's management via the hotline (tel: 0500 678 678; e-mail:
10. Use the Company's services through remote customer service with an electronic signature.
11. Receive a draft loan agreement and all related documents for review within 3 business days and seek legal advice outside the Company.
12. The Borrower has other rights established by the legislation of the Kyrgyz Republic and this Agreement.
The Borrower must:
1. Use the loan exclusively for the purposes defined in this Agreement.
2. Ensure that the Company can monitor the proper use of the loan.
3. Provide documents and information requested by the Company in accordance with the legislation of the Kyrgyz Republic and the Company's internal documents during the entire loan period. Upon the Company's request, periodically submit financial reports and/or other financial documents confirming the use of the loan for its intended purpose.
4. Repay the loan and pay the accrued interest within the terms and conditions specified in this Agreement. In case of delay, pay the penalty, if any, and cover the Company's expenses for obtaining performance.
5. Timely repay the principal amount of the loan, the accrued interest, penalties, and other payments specified in the Agreement.
6. Compensate the Company for all expenses related to fulfilling obligations under this Agreement, including registration, notarization, insurance, amendments, and any judicial costs and expenses in case of disputes related to this Agreement or any other agreements related to it.
7. Provide, upon the Company's first request, all supporting documents related to the use of the loan, information about the Borrower's financial (property) position, and not hinder the Company’s exercise of its powers to inspect the Borrower and the pledged property. The number of checks and their timing will be determined by the Company.
8. Not transfer their rights and obligations under this Agreement to third parties without the written consent of the Company.
9. Immediately notify the Company of any circumstances that may cause a violation of the repayment schedule, including but not limited to: third parties imposing liens on the Borrower's property and/or bank accounts, receiving claims or lawsuits directed at the Borrower, deterioration of the Borrower's financial position, change of residence, and other circumstances.
10. In case of non-compliance with the terms of this Agreement, the Borrower will be liable with all their property, including money in commercial bank accounts in som and foreign currency.
11. Compensate the Company for the state duty paid by the Company in connection with the Borrower's failure to fulfill or improper fulfillment of obligations under the Agreement, the pledge agreement, or the guarantee agreement.
12. Comply with other requirements established by the legislation of the Kyrgyz Republic and agreements concluded with the Company.