Public Offer — Microcredit Agreement of Mikrozaimy LLP

1. General Provisions and Terms

This Public Offer (hereinafter referred to as the 'Offer') is an official proposal by Mikrozaimy LLP (hereinafter referred to as the 'Company', 'Lender') to enter into a microcredit agreement (hereinafter referred to as the 'Agreement') on the terms set forth below. The Agreement is an adhesion agreement within the meaning of Article 389 of the Civil Code of the Republic of Kazakhstan.

Acceptance of the Offer is recognized as the Borrower's actions in submitting a loan application and confirming consent to the terms (including via electronic identification or signing the agreement). From the moment of acceptance, the Agreement is considered concluded.

Borrower — a capable individual, a citizen of the Republic of Kazakhstan, aged 18 or older, who has submitted an application.
Microcredit (Loan) — funds provided to the Borrower on terms of urgency, payment, and repayment.
APR — annual percentage rate calculated in accordance with the procedure established by the authorized body.

2. Subject of the Agreement

The Lender provides the Borrower with a microcredit, and the Borrower undertakes to repay the received amount and pay remuneration in the amount and within the terms stipulated by the Agreement. The microcredit is provided without collateral, unless otherwise specified in the individual terms.

3. Loan Terms

Microcredit parameters are determined by individual terms within the following ranges:

Loan amount: from 5,000 to 600,000 tenge;
Loan term: from 7 to 180 days;
Interest rate: from 0.1% to 0.15% per day;
APR: from 35% to 50% per annum;
The first loan may be provided at a 0% rate (no interest) if repaid on time.

The exact repayment amount, interest amount, and APR value are specified in the individual terms of the Agreement before its conclusion and are communicated to the Borrower in a clear form. Funds are transferred to the Borrower's bank card (Kaspi, Halyk, Jusan, Forte, etc.).

4. Procedure for granting and repayment

The application is submitted online. The lender evaluates and makes a decision, after which the amount is transferred to the Borrower's card, usually within 15 minutes after approval. Repayment is made in a lump sum or according to the schedule specified in the individual terms, by non-cash method.

The Borrower has the right to fully or partially repay the microloan early without penalties or fees for early repayment; interest is recalculated for the actual period of use.

5. Rights and obligations of the parties

The lender undertakes to: provide complete information about the terms, including APR; transfer the loan amount; ensure the protection of personal data.

The Borrower undertakes to: provide accurate data; repay the loan amount and interest on time; notify of changes in contact details.

The Borrower has the right to: receive complete information about the terms; repay the loan early; submit applications and complaints.

6. Interest, APR, and overpayment

The amount of interest is calculated based on the loan amount and term at the agreed daily rate. The total overpayment is limited by the requirements of the legislation of the Republic of Kazakhstan on microfinance activities. The APR value is displayed next to the loan calculation and in the individual terms.

7. Liability and delinquency

In case of violation of the repayment term, the lender has the right to charge a penalty (fine) in an amount not exceeding the maximum values established by the legislation of the Republic of Kazakhstan. The amount and procedure for calculating the penalty are specified in the individual terms.

The lender is not entitled to charge interest and penalties beyond the limits provided by the Law of the Republic of Kazakhstan 'On Microfinance Activities'. If delinquency occurs, it is recommended to immediately contact the Company for resolution.

8. Confidentiality and personal data

Processing of the Borrower's personal data is carried out in accordance with the legislation of the Republic of Kazakhstan and the Privacy Policy. By submitting an application, the Borrower provides consent to the processing of personal data.

9. Validity period, changes, and termination

The offer is valid from the date of publication until its withdrawal or modification by the Company. Changes take effect from the moment they are posted on the website. For concluded Agreements, the version in effect on the date of acceptance applies. The Agreement is terminated by proper fulfillment of obligations by the parties.

10. Creditor details

Name
BIN
Reg. No. in the MFO register
Legal address
Phone
E-mail
Bank details

Details of LLP «Mikrozaimy» (BIN, reg. No. in the MFO register, legal address, bank details) are indicated in the 'Details' section and are marked as TODO to be filled in. For questions — info@mikrozaimy.kz.