MY BONUSES

ZVISNO, BONUS LOYALTY PROGRAM RULES

edition from 28.04.2023

Terms and definitions
- ZVISNO, BONUS loyalty program (hereinafter referred to as - «Loyalty program» or «Program») - is a unique system instituted to provide Members the opportunity to accumulate and exchange Program Bonuses and Rewards on the Program Website. The program applies on the territory of Ukraine.
- Bank - JOINT STOCK COMPANY “STATE SAVINGS BANK OF UKRAINE”, abbreviated “Oschadbank” JSC, located at: 01001, Kyiv, 12, Hospitalna Street, financial institution-issuer of Visa Cards that take part in the Program.
- Card - a Visa bank card issued by the Bank, which grants the Holder the right to perform non-cash payments for goods and services, get funds and participate in the Loyalty Program in accordance with its Rules, as well as receive bonuses for transactions using the card on conditions specified by the Bank. In the context of participation in the Loyalty Program, the specified card is considered active if the holder used it to perform transactions offering bonuses in accordance with these Rules. Visa Rewards, Visa Infinite, Visa Platinum issued by the Bank are allowed to participate in the Program.
- Card holder - an individual in whose name the Bank issued a card, which grants the right to participate in the loyalty program.
- Initiator is CARD INDUSTRIAL LLC, registered in accordance with the laws of Ukraine and located at 79035, Lviv region, Lviv, 186 Zelena street.
- The Participant is an individual who, at the time of registration in the Program, has reached the age of 18 and who is a holder of a Visa payment card issued by Oschadbank. The Program is available for those citizens of Ukraine only who have a taxpayer identification number.
- Partner - a company that allows Program Participants to exchange bonuses for Rewards in accordance with these Rules. The Participants can see the List of Program Partners on the Program website. The organizer reserves the right to change the list of Program Partners without prior notice.
- Reward - goods, services, sertificates, discounts and other privileges that are given in the list of rewards at the time of exchange of bonuses for rewards. The current list of rewards is posted on the program website. The organizer reserves the right to change the list of rewards without prior notice to the participants.
- Bonuses - conventional chargeable units accumulated by the Loyalty Program Participant which can be exchanged for Rewards in accordance with these conditions. Bonuses cannot be exchanged for money, since they are not a monetary unit or a means of payment in accordance with the legislation of Ukraine
- Account (Profile) - a personal field on the Site of each Loyalty Program participant, which is an electronic register of information maintained by the Organizer through its information systems, where information on credited, written off and canceled bonuses in accordance with these Rules is stored.
- Payment system - a payment organization, payment system participants and a complex of relations arising between them when transferring funds.
- Loyalty Program Rules (hereinafter "Rules") - these rules and conditions of participation in the Program, published on the Program website.
- Website – the Loyalty program platform, which is a set of logically linked hypertext information, executed in a form of separate pages and available on the Internet under the link http://bonus.oschadbank.ua (hereinafter referred to as the Site), which contains Participant`s accounts and where the requests of participants are processed in respect of exchanging Bonuses in accordance with these rules
- Settlement transaction - a process of payment for goods, works and services by Card in sales and service networks in Ukraine and abroad, incl. on the Internet.
- The language of the Program Rules and the Website is Ukrainian, which prevails over other editions available on the Site.

General terms and conditions

2.1. Initiator arranges and promotes the program in Ukraine. Initiator is not a financial institution and does not provide any credit, debit or other financial services, does not issue credit, debit or payment cards of any kind. Due to the Participant possesses a card he is in relations with the bank that issued the card, and not with the Program Initiator.

2.2. These Rules establish the conditions for participation in the Program and requirements for participants and other parties. The Participant agrees to regularly, at least ones in 7 days, check up on the Site if any changes in the Rules were made. These Rules can be changed by the Initiator unilaterally at any time without prior notice to the Participant. Changes may relate to the Rules, the number of Bonuses required for reward, expiry date of the Bonuses, the conditions and procedure for crediting, writing off and canceling Bonuses, etcInformation about the changes will be posted by the Initiator on the Site. The updated version of the Rules shall enter into force upon 7 calendar days after the relevant information is posted on the Site. The Participant has the right to withdraw from participation in the Loyalty Program in case he does not agree with the changes in the Rules. To do this, he should notify the Initiator in writing within 7 (seven) calendar days from the date of publication of the updated version of the Rules on the Site. In case the Participant fails to notify the Initiator about withdrawal from participation in the Program, this would mean that the Participant agrees with the changes in the Rules and continues the participation in the Program. In case of withdrawal of the Participant, his participation in the Program shall be terminated on the next business day from the moment of receipt of the notification by the Initiator. Changes in the Program Partners rules, the list of rewards available for exchange or the number of Bonuses the Member can exchange for certain rewards cannot be considered a change in the Program Rules. Assignment of rights and obligations by Initiator, provided for by these Rules, in part or in whole to another party will also not be considered a change in the Program Rules, which is referred to in this clause 2.2, and third parties may be involved by the Initiator in order to implement the Program.

2.3. The Program Initiator collects and processes the Participant’s personal data on the Program Website. When registered in the program, the Participant agrees to the specified processing of his personal data, which means any action or set of actions performed in the information system of the Program related to the collection, registration, accumulation, storage, adaptation, modification, updating, use, distribution and deletion of information about an individual in accordance with the procedures provided for by the Privacy Policy.

2.4. When transferring reward to the Participant, the Initiator acts as a tax agent in the understanding of the Tax Code of Ukraine, withholds and transfers taxes and fees to the budget in accordance with the legislation of Ukraine governing the taxation of gifts. The Initiator is not responsible for the payment by the Participant of taxes not related to the transfer of reward to the Initiator. Each Participant is solely responsible for its total income.

2.5. The Initiator has the right to terminate the Loyalty Program or any part of it at any time by placing a message on the website prior 7 calendar days before the termination date. Once this period expires, the exchange of bonuses for Rewards will become impossible and all bonuses remained in the Account will be canceled.

Terms of participation in the Program

3.1. An individual who meets the following conditions can be a participant of the Loyalty Program:

Is a cardholder of Visa Rewards, Visa Infinite, Visa Platinum, issued by bank;
made at least one settlement transaction in sales and service network and / or on the Internet using a Visa Rewards, Visa Infinite, Visa Platinum, payment card issued by the Bank;
registered on the Program Website;
read the Program Rules, Privacy policy and accepted them.

3.2. More detailed information about the participation of a particular Card in the Program can be obtained directly from the Bank.

3.2.1. Registration in the program is performed on the Program Website or using the Bank's chatbot in Telegram https://t.me/oschadBot?start=owamsoru52 or Viber viber://pa?chatURI=oschadbankbot&context=6lulwept8m by creating a Participant’ Personal Account, the identifier of which is the Participant’s email address (hereinafter referred to as the “Identifier”).

3.2.2. By registering for participation in the Program and filling out the registration form, the Participant agrees to comply with the Program Rules and Privacy Policy, and undertakes to independently monitor the presence or absence of changes in the Rules and Privacy Policy.

3.2.3. The current version of the Rules and the Privacy Policy is available on the Program website.

3.3. Citizens of Ukraine who have a taxpayer registration number are allowed to participate in the Program. A Program Participant is entitled to register only one Personal Account. Neither legal entity nor an individual on its behalf can participate in the Program.

3.4. The Loyalty Program Participant's account contains detailed information about accrued, debited, canceled Bonuses, as well as information about the Participant's Bonus balance and provides the participants the opportunity to exchange Bonuses for Rewards.

3.5. If any of the participants does not comply with the Rules and the Privacy Policy, the Initiator has the right to refuse such a participant to participate in the Program.

3.6. In case of suspicion of fraudulent actions or suspicious behavior of a participant, the Initiator has the right to temporarily ban his Account and suspend participation in the Loyalty Program.

3.7. The Initiator may terminate participation in the Loyalty Program in the following cases:

violation of the Rules and Privacy Policy by the Participant;
the participant's wish, expressed by filling out the appropriate form on the Program website (and in the absence of such a form, by sending a notification to the Initiator);
termination of the Program;
closing of a bank account of a program participant and terminating the bank card registered for participation in the program;
death of the participant

3.8. The result of termination of participation in the Program is the cancellation of all Bonuses credited to the Participant.

4. Participant`s rules and obligations

4.1. Upon registration in the Program in accordance with these Rules, the Participant can use the website, register Cards, receive accrued bonuses, exchange bonuses for Rewards.

4.2. The participant gets an access to information on credited and written off bonuses from the Personal Account. He can check the balance of bonuses in his Personal account at any time.

4.3. The participant independently decides whether to receive news, information and / or advertising messages of the Program, indicating this when filling out the Registration form, or any time during participation in the Program.

4.4. The Participant independently and in a timely manner informs the Initiator about the change in his contact details necessary to provide information about the Program and receive rewards.

4.5. Other payment cards can also be added by the Participant to the Personal Account, for the purpose of general accumulation of bonuses on one account. The Participant can be a hardholder himself as well as his family members (spouse, children). No more than 5 payment cards can be added to one account. When removing a payment card, Bonuses accumulated on such a card remain on the Account to which the card was added.

4.6. The participant can terminate participation in the Program at any time during the term of the Program by sending a written (as well as electronic) message to the Participant no later than 30 (thirty) days before the date of termination.

5. Bonus crediting procedure

5.1. The Bank and the Initiator independently, solely at their discretion determine the conditions and way of crediting Bonuses. Bonuses are credited when the Participant performs settlement operations using a Card registered for participation in the Program.

5.2. Bonuses are credited after registration of the Card in the Program and are calculated using the following formula (from 01.09.2022):

• 0,5 bonus is awarded for every 10 UAH for operations which are determined by the Bank for Bonuses accrual.

5.3. The Participant can additionally receive the following types of Bonuses:

5.3.1. Welcome Bonus 1: 200 (two hundred) Bonuses, which are provided once when the Participant has performed three or more Settlement transactions using any of the Cards registered in the Program within 30 calendar days from the date of registration in the Program. The moment of registration is considered to be the moment of creation of the Participant's Account. In case of deletion of the Participant's Account from the Program and re-registration, or in case of re-registration in the Program of a Card that previously participated in the Program, the Participant's Welcome Bonus will not be re-accrued.

5.3.2. Welcome Bonus 2: one-time double crediting of Bonuses on Settlement transactions performed by the Participants within 30 calendar days from the date of registration of the Participant in the Program, provided that three or more Settlement transactions are performed using any of the Cards registered in the Program. The moment of registration is considered to be the moment of creation of the Participant's Account. In case of deletion of the Participant's Account from the Program and re-registration, or in case of re-registration in the Program of a Card that previously participated in the Program, the Participant's Welcome Bonus will not be re-accrued.

5.3.3. Holiday Bonus: 200 (two hundred) Bonuses, which are credited once to the Participant on the occasion of his birthday, provided that the Participant is active in the Program (Participant logged into the Account at least once in the previous month).

5.3.4. Incentive Bonus: 200 (two hundred) Bonuses, which are credited to the Participant no more than once a month if the volume of Settlement transactions on all Participant's Cards registered in the Program exceeds UAH 10,000 (ten thousand) during a calendar month. Accrual is based on the results of the calendar month and is executed on the first day of the month following the settlement month. The calculation of the volume of Settlement operations does not include operations for which Bonuses are not accrued in accordance with clause 5.6. of these Rules;

5.3.5. In the period from 01.09.22 to 31.03.23, there will be a double accrual of Bonuses for Settlement transactions (1 bonus is credited for every 10 UAH per transaction) made by the Participant with the help of the Card registered in the Program by carrying out a foreign transaction (e-commerce and with presence of card).

5.3.6. Additional types of Bonuses that can be credited in cases determined by the Initiator or the Bank.

5.4. In specific situations, particularly during promotional campaigns or special promotions and offers from the Program Initiator, Bank or Program Partners, additional Bonuses may be credited in accordance with the rules for crediting additional Bonuses, which are reported separately and applied together with the terms of these promotional campaigns, special promotions and offers.

5.5. Credited Bonuses are valid for 12 months from the date of crediting.

5.6. Bonuses are not credited for the Participant's settlement operations in the following categories of retail and service outlets:

№	МСС	Name	Description
1	4214	Motor Freight Carriers, Trucking—Local/Long Distance, Moving and Storage Companies, Local Delivery	Local and long-distance trucking, which may or may not provide storage services.
2	4829	Money transfer	An operation in which funds are delivered or made available to a person in a place other than the place where the money is transferred. These operations include impersonal operations, such as those promoted by the Internet.
3	6012	Financial institutions - trade and services	For merchant purchases or services provided by financial institutions. Such purchases or services may include cheques and other financial products, products for promotion, loans, payment for information (advice services). For the security of payment of brokerage transaction services or other similar expenses, MCC 6211 is used. For cash withdrawal at ATMs, MCC 6011 is used.
4	9754	Horse/ Dog racing (U.S. Region Only)	Horse/ Dog racing
5	7800 7801 7802	Government Owned Lottery (U.S. Region Only) Government Owned Lottery (U.S. Region Only) Government Licensed Horse/Dog Racing (U.S. Region Only)	Merchants who have been licensed in accordance with applicable laws and regulations to manage an online gambling system or platform that accepts betting or for horse, dog or Pari Mutuel, or both. Entertainment.
6	4815	MasterPhone Telephone Service	Used to pay monthly telephone bills for MasterCard MasterPhone telephone services.
7	5933	Pawn Shops	Merchants who provide funds in exchange for personal property. In the event of a loan default, pawnshops may sell property to the general public. The property left at the pawnshop may be in the form of jewelry, watches, musical instruments, bicycles, furniture, coins, cameras and photographic equipment.
8	6010 6011	Financial Institutions Manual Cash Disbursements; Financial Institutions Automated Cash	Cash payments at ATMs owned, leased, controlled or sponsored by banks, savings and loans, savings and credit unions.
9	6022 6023 6025 6026 6028 6529 6530 6531	Financial Institution (RCL Internal), State Banks (RCL Internal), National Banks (RCL Internal), National Banks Non Federal (RCL Internal), Unincorporated Private Banks; Remote Stored Value Load; Financial Institutions (Remote Stored Value Load ; Payment Service Provider - Money Transfer	Can be used as an internal code of some organization.
10	6050 6051	Quasi Cash-Member Financial Institution Quasi Cash	Purchasing cash cheques, foreign currency, cash orders, or using payment cards to open a deposit account with non-financial institutions or financial institutions. Any commission charged for the purchase of such quasi-cash instruments (almost cash) is included in the total transaction amount.
11	6211 6381 6399 6611 6760	Securities - Brokers Dealers Insurance Premiums, Insurance Default, Overpayment, Savings Bonds	Payments charged by outlets that sell, buy brokerage securities, commodities and general funds. Insurance premiums, insurance - are not classified anywhere else. Subscription (advance payments).
12	6532 6533	Payment transaction - member financial Payment transaction - merchant	A Payment Transaction allows Mastercard cardholders to transfer funds to a Mastercard account. This MCC is also used for Brazil domestic Coupon Booklet. Payments (CARNE) as outlined in the Interchange Manual—Latin America and Caribbean Region.
13	6534 6536 6537 6538	Money transfer-member financial institution, MoneySend Intracountry MasterCard MoneySend - MoneySend Intercountry MasterCard MoneySend Funding	MoneySend payment transactions within countries and between countries. MoneySend Funding transactions in which the cardholder uses a MasterCard to fund a MoneySend Payment Transaction.
14	6540	Nonfinancial institutions - Stored Value Card Purchase / Load	This MCC is used for the initial purchase and / or any subsequent reload of cards with saved value (including Visa Prepaid cards) in non-financial institutions.
15	7273	Dating services	Dating and escort services, including through computers, personal videos and dating services.
16	7276 7277	Tax preparation service; Debt, Marriage, Personal counseling service	Payment of income tax preparation (non-audit cases), accounting or bookkeeping services, or various advisory services, such as debt and finance counseling, marriage counseling, family counseling, alcohol and drug abuse counseling and other personal advice.
17	7321 7322	Consumer Credit Reporting Agencies, Debt collection agencies	Services of entrepreneurs specializing in reporting on consumer debt, who conduct an investigation in this area, who provide the services of an information exchange center and other related services.
18	7372	Computer Programming, Data Processing, and Integrated Systems, Design Services	Software services, computer design, database processing on the basis of a contract or direct payment. Some may provide services for software design, system modification, data input and processing. User training.
19	7389	Business Services—not elsewhere classified	Organizations primarily engaged in the provision of business services that are not classified elsewhere, such as bonds, service design, lecture bureaus, notaries, murals, public speaking offices, water softener services and auction services for a commission or fee. Auctions of used cars and agricultural products, such as livestock and products, are classified in wholesale.
20	7511	Truck stop transactions	Business services
21	7995	Gambling transactions	Any transaction, other than ATM transactions, including placing bets, buying a lottery ticket, playing commercial games while flying, or buying tokens (chips) or other instruments in exchange for cash, goods, or services related to gambling, by institutions such as casinos, hyppodromes, houses of cards, airlines, etc.
22	8398	Organizations, Charitable and Social Service	Charitable (non-political organizations), public organizations with the provision of services by lawyers, public organizations and health agencies.
23	8641	Associations—Civic, Social, and Fraternal	Associations that participate in civic, social, or fraternal associations, including associations and clubs, business clubs, communities, social clubs, veteran organizations, and youth associations. The activities of these groups may include political fundraising.
24	8651	Organizations, Political	Member institutes representing the interests of national state or local political parties or candidates, including political groups specially organized to increase the funds of a political party or individual candidate.
25	8661	Organizations, Religious	Religious organizations providing religious instruction or study, and religious services and activities. Examples are churches, convents, monasteries, mosques, sacred places, synagogues and temples.
26	8675	Automobile Associations	Car associations and clubs. Provide members with special services such as travel information and road conditions, maps and guides, and special rates for payment at restaurants, hotels and car rental agencies. These merchants often require an annual membership fee.
27	8699	Organizations, Membership—not elsewhere classified	Organizations or associations that are not described by another, more specific MCC. Includes historical clubs, trade unions, poetry clubs, art councils, condominium or rental associations.
28	9222	Fines	Government agencies that administer and process local state and federal penalties and fines.
29	9223	Bail and Bond Payments	Merchants who send bail by mail to the court system to avoid the presence of involved private individuals.
30	9311	Tax Payments	Local, state, and federal entities involved in financial management and taxation, including tax and fines. This includes the customs office and the State Customs Committee.
31	9399	Government Services - not elsewhere classified	Payment of government support services, such as personnel management, auditing, acquisition, and building management services, if not described by another, more specific MCC. Example: civil commissions on the rights and powers of the public service, public administration accounting offices, general services offices, government supply agencies, police, firefighters, traffic police, national, state and municipal parks.
32	9401	i-purchasing pilot	State services
33	9405	Intra-Government Purchases—Government Only (USA)	Agreements between government agencies, departments, or agencies that participate in Intergovernmental Displacement Programs (IGOTS).
34	9411	Government loan payments	State services
35	9950	Intra-company purchases	Payment of internal movements of goods and services between units.
36	9999	Unknown category	The code is used for operations with an indefinite category
37	9406	Government-Owned Lotteries (Non-U.S. region)	State lotteries that are registered in the international payment system for the sale of lottery tickets. MCC is used for locations outside the United States.

* Ukrainian language prevails in the table and takes precedence over other editions available on the website

5.7. The Bank, at its discretion, makes the above list of exceptions and may make changes to it that will not lead to the cancellation or cancellation of Bonuses credited earlier (except the situations when such bonuses were creditedd as a result of full or partial return of goods / services, fraud, cheat, other intentional action or technical malfunction in the functioning of the Organizer's information systems). In case of errors (incorrectly credited / withdrawn Bonuses, etc.), the Program Initiator has the right to make the necessary amendments to the balance of the Program Participant.

5.8. Limitations on the Bonuses accrual:

№	МСС	Name	Description	Limitation
1	4814	Telecommunication services	Telecommunication services incl. but not limited to prepaid phone services and recurring phone services	Maximum number of Bonuses accrued during one month - 100 Bonuses
2	4900	Utility Bills	Include electricity, gas, water/sewage and garbage disposal.	Maximum number of Bonuses accrued during one month - 300 Bonuses
3	7994	Video Game Arcades/Establishments	Merchants classified with this MCC operate arcades, amusement machines (such as video game machines, juke boxes, pinball machines, mechanical games, instant photograph booths, and similar types of amusement equipment)	Maximum number of Bonuses accrued during one month - 200 Bonuses
4	8999	Professional services - not elsewhere classified	Outlets in traditional "professions" that offer highly specialized services and often require staff to receive additional or specialized education or training to deliver the service. This MCC should only be used if the merchant's business is not covered by another, more specific MCC. Examples of such points of service include mortgage brokers, research firms, financial planners, graphic designers, guest speakers and faculty members, forensic stenographers, real estate appraisers, research firms, and auction houses.	Maximum number of Bonuses accrued during one month - 100 Bonuses

* Ukrainian language prevails in the table and takes precedence over other editions available on the website

5.9. When crediting Bonuses, their amount is rounded down to the nearest hundredths, and integers are reflected on the participant’s balance, while the previous bonuses are summed up with the following ones, taking into account hundredths.

5.10. For the exchange for rewards, only the whole amount of bonuses without tenths is used.

5.11. Within 30 days from the date the Payment system settles with the Bank, Bonuses are credited to the balance of the Program Participant.

5.12. Full or partial refund to the Participant's card account for settlement transactions (for example, payment by card for goods / works / services), results writing Bonuses off the Participant's account that were previously credited for the specified settlement operations, so that the Bonus balance in the member's account decreases. So, in the event the Participant returns the previously purchased goods / works / services, the Bonuses credited for payment for this goods / works / services must be written off the Participant's account according to the following formula: 1 Bonus for every 10 UAH of return transaction.

5.12.1. For the operations listed in clause 5.8., for which there are limitations on the accrual of Bonuses, the following limitations are set on the write-off of the maximum amount of Bonuses per month:

№	МСС	Name	Description	Limitation
1	4814	Telecommunication services	Telecommunication services incl. but not limited to prepaid phone services and recurring phone services	Maximum number of Bonuses written off during one month - 100 Bonuses
2	4900	Utility Bills	Include electricity, gas, water/sewage and garbage disposal.	Maximum number of Bonuses written off during one month - 300 Bonuses
3	7994	Video Game Arcades/Establishments	Merchants classified with this MCC operate arcades, amusement machines (such as video game machines, juke boxes, pinball machines, mechanical games, instant photograph booths, and similar types of amusement equipment)	Maximum number of Bonuses written off during one month - 200 Bonuses
4	8999	Professional services - not elsewhere classified	Outlets in traditional "professions" that offer highly specialized services and often require staff to receive additional or specialized education or training to deliver the service. This MCC should only be used if the merchant's business is not covered by another, more specific MCC. Examples of such points of service include mortgage brokers, research firms, financial planners, graphic designers, guest speakers and faculty members, forensic stenographers, real estate appraisers, research firms, and auction houses.	Maximum number of Bonuses written off during one month - 100 Bonuses

* Ukrainian language prevails in the table and takes precedence over other editions available on the website

5.13. The Bank and / or the Organizer reserves the right to stop the crediting Bonuses, writing bonuses off the Participant's account or prohibit their exchange for rewards in the following cases: The Participant violates the Program Rules; the Initiator and / or the Bank have reasonable suspicions of fraud or other illegal behavior related to participation in the Program, and the like. In any of the situations specified in this clause, the Initiator and / or the Bank shall determine the duration and kind of the measures necessary for the protection and effective functioning of the program.

6. Bonus exchange procedure

6.1. Each participant of the Program has a Personal account for accumulating Bonuses. The condition for the exchange of Bonuses for Rewards is the Participant's consent to receive rewards, which can be given by putting a corresponding mark on the exchange page.

6.2. When exchanging, Bonuses are written off in chronological order, starting with those that were credited earlier and ending up with the latest ones.

6.3. The Bank and the Program Initiator independently determine the number of Bonuses to be written off from the participant’s account when exchanging Bonuses for rewards. When exchanging for Rewards, Bonuses are written off at the rate of 1:10, except for write-offs of Bonuses to help the Armed Forces of Ukraine, as such transfers are made taking into account all taxes and fees in accordance with applicable law. A participant can exchange for rewards only the number of bonuses that he accumulated at the time of exchange.

6.4. The participant is entitled to exchange bonuses only for those rewards given in the list of rewards published on the program website.

6.5. If the return, deduction, cancellation of Bonuses, cancellation of payment transactions, or other circumstances led to the Participant exchanging more Bonuses for the Rewards than actually available as a result of adjusting the number of Bonuses, excessively spent Bonuses are considered advance in nature and will be deducted from those Bonuses that will be awarded in the future.

6.6. At the time of exchange for rewards, the corresponding number of Bonuses is subject to deduction from Participant`s Personal Account. The written-off Bonuses cannot be returned to the Participant's Account in the future, except under the conditions expressly provided for by these Rules. Exchange for rewards provides only the whole amount of Bonuses without tenths.

6.7. The provision of the reward chosen by the Participant or the right to receive it is carried out by electronic communication (e-mail or SMS). The specific way of providing depends on the format of the reward of the Program Partner.

6.8. The Program Partner determines the conditions and terms for the provision of reward to the Participant, which can be found on the reward ordering pages given on the Program Website.

6.9. The Participant is not entitled to exchange or return the Reward that was received in exchange for bonuses.

6.10. If the Participant detects any defects relating to the quality and / or quantity of the rewards, or if the Reward does not correspond to the order chosen by the Participant, he undertakes to immediately inform the Initiator about this. The defect or deficiency is the mismatch of the face value, sales network or the validity period of the ordered and received award. If the Participant within 4 working hours after receiving the Reward did not report any damages, deficiencies, inconsistencies and accepted the Reward, then such a Reward is considered to be of good quality, and the bonuses used to exchange for this Reward are not refundable to the participant, and the Participant loses the right make claims for this Reward in the future.

6.11. From the moment of receiving Reward, the Participant independently ensures its proper storage and protection against loss, theft or unauthorized copying. The Rewards are non-refundable, and the Initiator does not accept any claims in this regard.

6.12. Bonuses have no cash value, are not a means of payment, currency or security.

6.13. Bonuses do not have cash (monetary) value and under no circumstances can be received in cash. Bonuses are not electronic money and cannot serve as electronic money. Bonuses are not goods and cannot be purchased by the Participant or third parties at their own expense. Bonuses are not money and cannot be equated with it.

6.14. The Initiator, at its discretion, forms the List of rewards and makes changes to it if necessary. The Initiator is not obliged to inform the Participants of such changes. The current version of the Rewards List available on the Program website is considered applicable at the moment of exchanging bonuses for Rewards.

7. Program Partners

7.1. To implement the Program for exchanging Bonuses for Rewards, the Program Initiator, on the basis of separate agreements, independently involves Program Partners. These Program Rules are not the reason for any partnership or agency relationship between the Initiator and the Program Partners.

7.2. The Organizer is not responsible for the actions or inaction of the Program Partner and third parties, as well as for any loss or damage arising from any interaction between the Participant and the Program Partner. Program Partners are solely responsible for the use of rewards that are duly transferred to the Member in exchange for bonuses. The organizer does not provide any guarantees regarding the Program Partners and their proposals. The Program Initiator is not responsible for the quality of goods, works, services provided by the Program Partners as a result of using the Reward. The Initiator does not accept or check the completeness, quantity and quality of goods, works, services provided by the Program Partner to the Participant. The Participant independently, without involving the Initiator, interacts with the partners of the Program on all issues related to the use of the reward.

7.3. The partners of the Program independently ensure the quality of the goods, work, services they provide. The participant checks the completeness, quantity and quality of goods, works, services that are provided to him by the Program Partner. In the event of any defects, the Participant must immediately notify the Program Partner.

8. Requests, complaints, request for information

8.1. To obtain information about the Program, the Participant can contact by phone +380443792875 from 09:00 to 18:00 (seven days a week) or by e-mail: info@bonus.oschadbank.ua

8.2. The participant’s claim to the Initiator must occur in accordance with clause 8.1. with a detailed description of the circumstances of the complaint. In order to ensure prompt processing of the complaint, the Participant must assign a contact person and provide the Program in the manner provided in the clause above, with a description of the complaint and the contact person and his phone number.

8.3. In response to the claim, the Initiator’s representative will contact the Program Participant within 3 (three) business days.

8.4. The Program Initiator will consider claims and complaints within 30 (thirty) calendar days from the receipt of a notification from the Participant. In exceptional cases, the Initiator reserves the right to set another deadline for the consideration of complaints, that should be additionally reported to the Participant.

8.5. The program Initiator independently determines the rules, procedure and methods for resolving disputes.

9. Final provisions

9.1. The rules of the Program are drawn up in accordance with the requirements of the current legislation of Ukraine. In the event of disputes regarding the fulfillment of the conditions of the Bank's loyalty program, the first means of resolution are negotiations of parties concerned. If the negotiations are unsuccessful, disputes can be resolved in a judicial proceeding in accordance with the current legislation of Ukraine.

9.2. Jurisdiction. These Rules and other conditions for participation in the Program are regulated in accordance with the legislation of Ukraine. All disputes related to participation in the Rewards program are subject to jurisdiction exclusively to the courts of the city of Lviv.

9.3. Confidentiality. The Initiator collects and processes the personal data of the Participants in accordance with the current legislation on the Protection of personal data, as well as in accordance with the Privacy Policy of the Loyalty Program, published at: http://bonus.oschadbank.ua/

9.4. Bank secrecy. The Participant authorizes the Bank to transfer to the Initiator as well as to all parties involved in the provision of services under the Loyalty Program, in particular to the Program Partners, your data subject to protection under the bank secret regime, as provided for in Art. 60 Law of Ukraine No. 2121-III “On Banks and Banking Activities” dated December 7, 2000, to the extent determined by the need to participate in the Loyalty Program, and also authorizes the Initiator and all parties involved in the provision of Loyalty Program services, in particular Reward exchange partners, to carry out processing of the specified data to the extent determined by the need to implement the Loyalty Program.

9.5. Responsibility. Accepting these Rules in accordance with the current legislation, the Participant agrees that the Initiator is not liable for damage caused to the Participant in the process or as a result of his participation in the Loyalty Program, except when such damage was caused by the Initiator as a result of his willful actions or criminal negligence. Accepting these Rules in accordance with the current legislation, the Participant also agrees that the Initiator does not guarantee the absence of defects or shortages of goods, provided as a reward under the Loyalty Program. Warranties for a particular product are the responsibility of its manufacturer. The Program Initiator is not responsible for the actions or inaction of service providers and third parties.

9.6. To remove any chance of doubt occurring, Visa Inc. and any other persons affiliated with it do not participate in the process structure of the Program, as well as in the processes related to the crediting of Bonuses and the exchange of Bonuses for rewards, and are not responsible for the compliance of the Initiator, Partners, manufacturers / suppliers of goods / services with the legislation of Ukraine and these Rules, and also do not respond to the claims of the Program participants.

Annex 1. Rewards: Travel

This application is an integral part of the Loyalty Program Rules and regulates the procedure for receiving Travel services as a reward (AviaTickets, Hotels on Tickets.ua and others) - services for booking a hotel room, purchasing an air ticket, railway ticket or other services offered by the Partner according to the Participant's order on the resource https://oschad.travelforloyalty.com/
Travel Services ordered by the Participant of the Loyalty Program are provided by independent partners. Partners ensure the provision of Travel services in accordance with their terms and conditions. The Program Participant unconditionally agrees to comply with all the conditions of these rules when making a reservation on the resource https://oschad.travelforloyalty.com/.
The Initiator acts as the Administrator of the Website on which the Initiator provides the services of a technological platform where the Participant can book and purchase Travel services that are promoted and offered by Partners. The Participant orders the Travel Services in accordance with these Rules, as well as the rules for the provision of services and in accordance with the commercial conditions of individual partners located on the https://oschad.travelforloyalty.com/.
When the Participant orders Travel services, he goes to https://oschad.travelforloyalty.com/, where the Participant is registered and provides unconditional and unquestioning consent to the transfer of his/her personal data from the participant's account in the program loyalty to the Partner on https://oschad.travelforloyalty.com/. The Participant is obliged to read the general terms and conditions of the Travel Services provided by the Partner (Public Offer Agreement and Privacy Policy, as well as other terms and conditions posted on https://oschad.travelforloyalty.com/) and accept them before booking or purchasing the Travel Services.
Partners who provide Travel services aresolely liable for the correctness and completeness of the data they provide in respect of Travel Services on the the cite https://oschad.travelforloyalty.com/. The Program Initiator provides the Travel Service Partners with the technological opportunity to post such information on the website as part of the Loyalty program, however, the Initiator is not obliged to verify the correctness and reliability provided by individual Partners and is not responsible to the Participant for the correctness and completeness of such data.
The Initiator of the Program is not responsible for the quality of work, services provided directly by the Service Providers, as well as by the third parties.
The participant is entitled to exchange the bonuses accumulated under the Loyalty Program for the services offered on the Site with possibility of surcharge.
The final price of the Travel service may change from the time of its booking to the time of its purchase. Program Initiator is not responsible for the changes to the terms of the Travel service. Such changes are determined and regulated directly by the Partner who provides such services and / or its partners / suppliers. Any and all claims of the Participant related to the change in the term and / or conditions of the Travel service should be sent to the Partner, who provides such services in accordance with the procedure and conditions specified on https://oschad.travelforloyalty.com/.
The participant should not consider the recommendations posted on the website regarding the parameters of services of individual suppliers as indications or inclinations to book a specific service.
The Member can use the accumulated bonuses for exchange for rewards to receive Travel services in the form of booking a hotel room, purchasing an air ticket, train ticket or other services offered by the Partner. If the amount of Bonuses accumulated by the Participant is not enough to exchange for the specified types of rewards, the Participant has the opportunity to pay the difference in the cost of the Travel Service with his own funds.
The participant must accumulate at least 25 Bonuses to activate the possibility of partial payment using their own funds.
In the event of a return (change, cancellation) of Travel services (hotel reservations, air tickets, train tickets and other services) purchased in full as a result of exchanging Bonuses for Rewards or partially with own funds, the used Bonuses are not subject to return and exchange.
Partial payment with own funds can be made by the Participant only by Card registered for participation in the Program.
Payment in cash is carried out by the Participant of the Loyalty Program under his responsibility in accordance with the terms of use of the Card. The Program Initiator is not responsible for the way the Program Participant uses the Card. By paying for the selected services with Card, the Program Participant confirms that he is entitled to use this card.
If the Partner who provides the Travel services cancels these services and initiates the return of their cost to the Participant, such a return is carried out in strict accordance with the previously made payment. The amount of money that was previously written off the member's card upon additional payment with participant`s own funds is returned to the participant`s card, and the amount of exchanged Bonuses is credited to the participant`s account.
The Program Initiator is not responsible for any changes or cancellations made by the Partner who provides Travel services at the request of the Participant.

Annex 2. Rewards: mobile phone top up

This Annex is an integral part of the Loyalty Program Rules and regulates the procedure of rewards provision for mobile phone top up services - ensuring top up of the Subscriber's personal account, including (but not exclusively), technical support or other services offered by the Partner and/or third parties (in particular, financial companies) attracted by the Partner according to the order of the Participant.

1. Subscriber - an individual who consumes the Mobile Operator's services. No top-up of the mobile account in favor of legal entities' mobile subscribers.

2. The Operator - a legal entity that provides mobile communications services - shall act on the basis of the Law of Ukraine "About Telecommunications"; the Operators shall be deemed to be: “Lifecell" LLC, JSC "Kyivstar", JSC "VF UKRAINE".

3. The Participant may use the accumulated Bonuses for exchange for rewards to receive top-up services for the Subscriber's mobile communication. The Subscriber shall not top up the mobile communication account with his/her own funds under the Loyalty Program.

4. The Participant shall accumulate the amount of Bonuses necessary to order the Top-up service for the Subscriber's mobile communication. Such amount for Bonuses can be determined taking into account (1) the minimum top-up amount set by the Operator and/or (2) the fixed top-up nominal defined under the Loyalty Program, as well as (3) the commission fee additionally charged out of the Bonuses (the amount of commission is specified below).

5. Top-up of the Subscriber's mobile account ordered by the Participant of the Loyalty Program using Bonuses provided on the technical platform of the Partner - "Portmone" Limited Liability Company (EDRPOU Code 31868613, address: 04073, Kyiv, 16-B Stepana Bandera Avenue, TC Macros, tel. 044-594-25-42). LLC "Portmone" is a partner, acting independently of the Program Organizer, and ensures the quality of its services.

6. The Partner shall technically ensure all relations for the transfer of funds to the Operator and, where necessary, the Organizer and/or Partner shall engage a financial company or other authorized entity to transfer funds.

7. Top-up of the mobile phones is not performed at the expense of Participant's own funds.

8. Provision of mobile communication services and / or other telecommunication services may be additionally regulated by the operator. The Organizer shall not be liable for the actions of the Operator, the Participant, the Subscriber, including cases when topping up of the mobile account has not occurred due to technical or other reasons, or has occurred with errors concerning the recharge amount, etc.

9. The Organizer acts as the Administrator of the Website, through which the interaction with the technical platform of the Partner - "Portmone" LLC regarding the top-up of mobile phone.

10. The Program Participant provides its unconditional and irrevocable consent as a subject of personal data and / or guarantees the Subscriber's consent as a subject of personal data for the transfer of relevant personal data in the form of information about the phone number, top up amount for mobile communications.

11. The Participant is responsible for the correctness and completeness of the data he/she provides to top up the mobile communication account. The Organizer is not obliged to check the correctness and accuracy of the information used or indicated by the Participant, Partner or Operator.

12. The Program Organizer is not responsible for provision of services, quantity and quality of services by the Partner, Operator, as well as third parties.

13. The maximum top-up amount on account of Bonuses of one participant is 500 UAH (five hundred UAH) per month.

14. The commission for top up of the account for mobile communication makes 5 % from the sum of account top up, but not less than 2 UAH. Such commission is deducted from the Participant's Bonuses account and can affect the amount of account top up. For example: in case of account top-up for 100 UAH, 1050 Bonuses will be deducted from the Participant's account, 1000 of which are exchanged for a service, and 50 Bonuses are 5% commission fee.

15. The Operators may set the minimum top-up amount, change tariff plans and set additional conditions or promotions for mobile communication top up.

17. The terms and conditions of using the account for mobile communication or its top-up do not depend on the Program Organizer, but are defined and regulated directly by the Partner, Operators and/or third parties attracted by them. Any and all claims of the Participant related to changes in the terms and/or conditions of topping up the mobile phone account shall be forwarded to the Partner.

18. The Participant shall not consider the recommendations for mobile top up services posted on the website as instructions or an inducement to order a particular service.

19. If the Partner who provides the mobile top up service further cancels its services and initiates a refund of its value to the Participant, the amount of the exchanged Bonuses shall be credited to the Participant's account.

20. The Program Organizer is not responsible for any changes or cancellations made by the Partner who provides Top-up for mobile communication at the request of the Member.

21. The organizer is not responsible for technical malfunctions / errors of Bonuses writing-off when ordering Top-up for mobile phone. Loyalty program does not provide a way to regularly maintain a certain balance of payment or amount on the account for mobile phone (so-called "automatic write-offs", "regular payments", etc.).

Додаток 3. Винагороди: Бонус при купівлі товарів та/або послуг Партнерів

Цей додаток є невід’ємною частиною Правил Програми лояльності та регулює порядок нарахування Бонусів при купівлі товарів та/або послуг, які пропонує Партнер, та/або залучені ним треті особи (продавці товарів та провайдери послуг) відповідно до замовлення Учасника, розміщеного на вебсайтах таких продавців товарів та провайдерів послуг.
1. Організатор діє у якості Адміністратора Вебсайту, на якому Організатор надає послуги технологічної платформи, на якій рекламують і пропонують свої товари та послуги Партнери, та/або залучені ними треті особи (продавці товарів та провайдери послуг).
2. Бонуси нараховуються Учаснику Програми лояльності у разі придбання ним товарів та/або послуг, які пропонує Партнер, та/або залучені ним треті особи (продавці товарів та провайдери послуг). Перелік таких товарів та/або послуг визначений у каталозі за цим посиланням: https://bonus.oschadbank.ua/cash_back_offers?category=0.
3. Для того, щоб Бонуси були нараховані, Учасник Програми лояльності має обрати пропозицію з каталогу, що розміщений на Вебсайті Програми лояльності, перейти на сайт відповідного магазину та купити товар або послугу Партнера та/або залученої ним третьої особи (продавця товарів та провайдера послуг).
4. Придбання товару або послуги має бути здійснено Учасником у рамках однієї браузерної сесії, тобто безпосередньо після переходу з Вебсайту Програми лояльності на сайт магазину певного продавця товару/провайдера послуг. Наприклад, якщо Учасник не з Вебсайту Програми лояльності перейде на сайт магазину, додасть/видалить товар/послугу із кошика, закриє сайт, повернеться, наприклад, через годину та завершить покупку, то Бонуси не будуть нараховані.
5. При оформленні замовлення по телефону або за допомогою консультанта магазину в процесі придбання Бонуси не нараховуються.
6. Учасник замовляє товари та послуги відповідно до цих Правил, а також згідно з комерційними умовами окремих продавців товарів та провайдерів послуг, що розміщені на сайтах магазинів таких продавців товарів та провайдерів послуг. Перед замовленням та придбанням товару/послуги Учасник має ознайомитися з особливостями, умовами та тарифами магазину. Якщо магазин має якісь специфічні умови нарахування Бонусів, ця інформація публікується на сторінці магазину.
7. Кожен товар та/або послуги містять вказівку на максимальну кількість Бонусів, котрі можуть бути нараховані Учаснику у разі придбання Учасником обраного товару та/або послуги. Кількість Бонусів, що нараховуються, можуть не залежати від вартості товару або послуги. Кількість Бонусів може бути змінена у подальшому, при цьому такі зміни не застосовуються до замовленого товару або послуги.
8. Продавці товарів та провайдери послуг самостійно визначають умови та терміни нарахування Бонусів Учаснику, з якими можна ознайомитись на сторінках замовлення відповідних товарів або послуг.
9. При використанні промокодів, купонів, знижок тощо, яких немає у Програмі лояльності чи на сайтах магазинів відповідних продавців товарів та провайдерів послуг, Бонуси можуть бути не нараховані. При замовленні на AliExpress коригування ціни продавцем або індивідуальна знижка може стати причиною втрати Бонусів.
10. Товари та/або послуги, замовлені Учасником Програми Лояльності, надаються Партнерами, та/або залученими ним третіми особами (продавцями товарів та провайдерами послуг) незалежними від Організатора Програми.
11. Продавці товарів та провайдери послуг самостійно відповідають за правильність і повноту даних, які ними подаються в рамках пропозиції придбати товар чи послугу. Організатор Програми надає продавцям товарів та провайдерам послуг технологічну можливість розмістити таку інформацію на Вебсайті в рамках Програми лояльності, проте Організатор не зобов'язаний перевіряти правильність та достовірність інформації, яку йому надають окремі продавці товарів та провайдери послуг, і не є відповідальним перед Учасником за правильність і повноту таких даних.
12. Учасник може використати накопичені Бонуси для обміну на Винагороди за загальними правилами Програми. За цим додатком до Програми кешбек чи інші грошові виплати не здійснюються.
13. Продавці товарів та провайдери послуг діють самостійно та незалежно від Організатора Програми та забезпечують якість товарів та послуг, які ними надаються. Гарантійні умови на товар визначає та виконує його продавець. Відповідальність за інформацію про товар/послуги несе продавець/провайдер.
14. Продаж товарів та надання послуг може додатково регулюватись Партнером або продавцями/провайдерами. Організатор не несе відповідальності за дії Партнера, Учасника, продавця/провайдера, в тому числі за випадки, коли придбання не відбулось із технічних чи інших причин, або відбулось із помилками відносно суми поповнення та ін.
15. Учасник Програми надає свою безумовну та беззастережну згоду як суб’єкта персональних даних на передачу відповідних персональних даних, необхідних для виконання Партнером, продавцем/провайдером своїх обов’язків, зокрема для обробки даних про платника, про місце доставки товару/послуги та контактні дані.
16. Учасник відповідає за правильність і повноту даних, які ним зазначаються для придбання товару та/або послуги. Організатор не зобов'язаний перевіряти правильність та достовірність інформації, яка використовується або зазначається Учасником, Партнером або продавцем/провайдером.
17. Організатор Програми не є відповідальним за надання послуг, кількість та якість послуг, що надаються Партнером, а також третіми особами (продавцем/провайдером).
18. Максимальна сума вартості може бути обмежена за законом.
19. Митним законодавством можуть встановлюватись обмеження та застосовуватись ввізне мито, ПДВ та інші платежі, якщо товар імпортується (якщо продавцем є іноземний суб’єкт).
20. Продавцем/провайдером може встановлюватись мінімальна суму товару, як умова безкоштовної доставки, або додатково виставлятись до оплати Учасником вартість доставки, на яку Бонуси не нараховуються.
21. Будь-які та всі претензії Учасника, пов'язані з товарами або послугами, повинні направлятися Партнеру або третім особам (продавцям/провайдерам) на електронну адресу info@bonus.oschadbank.ua або за номером +380443792875 з 09:00 до 18:00 (без вихідних).
22. Учасник не повинен розглядати розміщену на платформі інформацію в якості вказівок чи схиляння до замовлення конкретного товару або послуги.
23. Організатор не несе відповідальності за технічні збої/помилки нарахування Бонусів, які стались не з його вини.

Appendix 4. Loyalty Program Rewards intended for use in the territory of the Republic of Poland.
This appendix is an integral part of the Loyalty Program Rules and regulates the procedure for exchanging Bonuses for the category of certificates operating in retail networks located in the Republic of Poland.
1. In the list of Rewards published on the Program Website, there is a category of discount certificates intended for use in retail networks located on the territory of the Republic of Poland, namely the category Certificates in Poland. This category of certificates can be used exclusively on the territory of the Republic of Poland.

2. Each certificate valid (can be used) on the territory of the Republic of Poland has a denomination (equivalent) in Polish zlotys (PLN). When exchanging Bonuses for this type of certificates, a certain amount of Bonuses is exchanged for each certificate, indicated in the List of Rewards. The amount of Bonuses, which are subject to write-off during their exchange for this type of certificates, may change due to exchange rate fluctuations of Polish zlotys (PLN) to Ukrainian hryvnia (UAH) and is determined unilaterally by the Organizer. The version of the List of Rewards that is available on the Program Website at the time of exchanging Bonuses for Rewards is considered to be current.

Додаток 5. Винагороди: Кешбек
Цей додаток є невід’ємною частиною Правил Програми лояльності та регулює порядок надання Винагород для отримання Послуги Кешбеку, в тому числі (але не виключно), технічне забезпечення чи інші послуги, які пропонує Партнер, та/або залучені ним треті особи (зокрема, фінансові компанії) відповідно до замовлення Учасника.
1. Послуга Кешбеку – це частина програми лояльності, призначена для підвищення лояльності Клієнтів до продуктів платіжної системи VISA, мотивації Клієнтів на вчинення більшої кількості транзакцій в торгово-сервісній мережі з використанням картки, безготівкових платежів і відмови від використання готівкових грошових коштів в щоденних розрахунках, суть якої полягає в обміні накопичених бонусів на грошові кошти на картку Учасника, що зареєстрована в кабінеті Учасника.
2. Учасник програми лояльності – фізична особа – резидент України, отримувач коштів, якій Організатором за посередництвом фінансової компанії перераховується Кешбек.
3. Учасник може використати накопичені Бонуси для обміну на Винагороди для отримання Послуги Кешбеку. В рамках Програми лояльності не здійснюється поповнення картки Учасника власними грошовими коштами.
4. Учасникові необхідно накопичити суму бонусів, достатню для замовлення Послуги Кешбеку. Така сума Бонусів може визначатись з урахуванням (1) встановленої мінімальної суми Кешбеку та/або, (2) комісії, що додатково стягується за рахунок Бонусів (розмір комісії вказано далі за текстом*), (3) курсу обміну бонусів на Кешбек, а також (4) суми податків і зборів, передбачених законодавством України, що регулює послугу переказу коштів на картку.
5. Послуга Кешбеку, замовлена Учасником Програми Лояльності з використанням Бонусів, надається на технічній та фінансовій платформі Партнера – Товариства з обмеженою відповідальністю «ФІНАНСОВА КОМПАНІЯ «КОНТРАКТОВИЙ ДІМ» (Код ЄДРПОУ 35442539; адреса: 04080, м. Київ, вулиця Межигірська, будинок 82-А, офіс 312). ТОВ «ФІНАНСОВА КОМПАНІЯ «КОНТРАКТОВИЙ ДІМ» є Партнером, що діє самостійно та незалежно від Організатора Програми та забезпечує якість послуг, які ним надаються.
6. Партнер технічно та фінансово забезпечує усі відносини щодо здійснення переказу грошових коштів Учаснику програми Лояльності.
7. Надання Послуги Кешбеку може додатково регулюватись Партнером. Організатор не несе відповідальності за дії Партнера, Учасника, в тому числі за випадки, коли грошові кошти не надійшли на рахунок Учасника із технічних чи інших причин, або відбулось із помилками відносно суми поповнення.
8. Організатор діє у якості Адміністратора Веб-сайту, через який відбувається взаємодія із технічною платформою Партнера – ТОВ «ФІНАНСОВА КОМПАНІЯ «КОНТРАКТОВИЙ ДІМ» відносно перерахування грошових коштів на рахунок Учасника.
9. Учасник відповідає за правильність і повноту даних, які ним зазначаються для отримання Послуги Кешбеку. Учасник Програми надає свою безумовну та беззастережну згоду, як суб’єкта персональних даних на передачу відповідних персональних даних, у вигляді інформації про номер картки, суму переказу в рамках послуги Кешбеку.
10. Організатор не зобов'язаний перевіряти правильність та достовірність інформації, яка використовується або зазначається Учасником або Партнером.
11. Організатор Програми не є відповідальним за надання послуг, кількість та якість послуг, що надаються Партнером, а також третіми особами.
12. Максимальна сума перерахування грошових коштів за рахунок Бонусів одного Учасника в рамках Послуги Кешбеку, в межах календарної доби становить 4 999,99 (чотири тисячі дев’ятсот дев’яносто дев’ять гривень 99 копійок) гривень.
13. Комісія Партнера за перерахування грошових коштів становить 5,4% від суми поповнення рахунку. Окрім цього, Організатор програми лояльності, який у відповідності до чинного законодавства України виступає, як податковий агент по відношенню до Учасника, до моменту перерахування таких грошових коштів на рахунок Учасника, з призначеної до перерахування суми отримує податок на доходи фізичних осіб в розмірі 18% та військовий збір в розмірі 1,5%. Комісія, податок з доходів фізичних осіб та військовий збір списуються з бонусного рахунку (грошових коштів) Учасника, що підлягають до перерахування та впливають на суму перерахованих коштів.
14. Зарахування грошових коштів на банківську картку Учасника здійснюється Партнером впродовж 5 (п’яти) банківських днів після отримання від Учасника заявки на Веб-сайті Програми лояльності щодо перерахування грошових коштів.
15. Послуга Кешбеку здійснюється у національній валюті України – гривні.
16. Організатор або Партнер можуть встановлювати або змінювати мінімальну суму списання бонусів, курс обміну бонусів на послугу Кешбеку, а також умови комісії, тощо.
17. Якщо Партнер, який надає Послугу Кешбеку, в подальшому анулює свої послуги і ініціює повернення їх вартості Учасникові, то сума обміняних Бонусів зараховуються на Обліковий запис Учасника.
18. Умови перерахування грошових коштів не залежать від Організатора Програми, а визначаються і регулюються безпосередньо Партнером. Будь-які та всі претензії Учасника, пов'язані з перерахуванням грошових коштів повинні направлятися Партнеру.
19. Учасник не повинен розглядати розміщені на Веб-сайті рекомендації щодо умов Послуги Кешбеку в якості вказівок чи схиляння до замовлення конкретної послуги.
20. Організатор Програми не несе відповідальності за будь-які зміни або скасування, вчинені Партнером, який надає послуги перерахування грошових коштів.
21. Організатор не несе відповідальності за технічні збої/помилки списання Бонусів при замовленні Послуги Кешбеку. Програма лояльності не передбачає способу регулярного підтримання певного платіжного балансу чи суми для Послуги Кешбеку (так звані «автоматичні списання», «регулярні платежі» тощо).

Додаток 6. Винагороди: Агентська винагорода
Цей додаток є невід’ємною частиною Правил Програми лояльності та регулює порядок нарахування Бонусів за Програмою Агентської винагороди (далі “ПАВ”) — підсистемою Програми лояльності, яка контролює реєстрації та нарахування Винагород Агентам та Залученим Клієнтам.
1. Акційний продукт - VISA Rewards «Моя картка», відкрита за реферальним посиланням у чат-боті Банку в період дії ПАВ з 01.05.2023р.
2. Агент - Учасник Програми лояльності, який зареєстрований у Програмі лояльності і скористався сервісом «Отримати бонус» для генерування реферальних посилань у чат-боті Банку.
3. Залучений клієнт - Учасник Програми лояльності, який виконує наступні умови:
• замовив Акційний продукт за отриманим реферальним посиланням через чат-бот Банку та зареєстрований/здійснив авторизацію через чат-бот у Програмі лояльності;
• на момент оформлення Акційного продукту за реферальним посиланням не має інших діючих карток Банку.
4. У рамках Програми Агентської винагороди Учасникам можуть бути нараховані такі типи бонусів:
4.1. Welcome бонус “ПАВ” нараховується у розмірі 655 (шістсот п’ятдесят п’ять) Бонусів (еквівалент 50 грн. кешбеку) Агенту та одночасно у розмірі 655 (шістсот п’ятдесят п’ять) Бонусів (еквівалент 50 грн. кешбеку) Залученому клієнту після реєстрації у Програмі Залученого клієнта у разі, якщо виконуються всі наступні умови:
• Залучений клієнт оформив за отриманим реферальним посиланням Акційний продукт у період дії ПАВ та здійснив реєстрацію/авторизацію через чат-бот Банку;
• Залучений клієнт на момент оформлення Акційного продукту за реферальним посиланням не має інших діючих карток Банку.
• Агент скористався сервісом «Отримати бонус» у чат-боті для генерування реферальних посилань та був оформлений Акційний продукт за наданим Агентом реферальним посиланням.
4.1.1. Залучений клієнт отримує Welcome бонус “ПАВ” одноразово. У разі видалення Облікового запису Залученого клієнта з Програми, і здійснення повторної реєстрації, Welcome бонус “ПАВ” Залученому клієнту повторно не нараховується.
4.1.2. Агент може отримувати Welcome бонус “ПАВ” необмежену кількість раз, але не більше одного разу за одного Залученого клієнта. У разі видалення Облікового запису Залученого клієнта з Програми, і здійснення повторної реєстрації, Welcome бонус “ПАВ” Агенту повторно не нараховується.
4.2. Транзакційний бонус “ПАВ” нараховується Залученому клієнту одноразово у розмірі 655 (шістсот п’ятдесят п’ять) Бонусів у разі, якщо виконуються всі наступні умови:
• Залучений клієнт протягом 90 календарних днів з моменту реєстрації у Програмі виконав хоча би одну Розрахункову операцію, сума якої складає 300 гривень та більше, кваліфіковану за МСС, за допомогою зареєстрованого у Програмі Акційного продукту. Моментом реєстрації вважається момент створення Облікового запису Учасника або оновлення існуючого Облікового запису Учасника при авторизації, як Залученого клієнта;
• Залученому клієнту було нараховано Welcome бонус “ПАВ”.

5. Залучений клієнт може бути одночасно Агентом для інших Учасників, але не може виступати Агентом для самого себе.
6. Банк та Організатор залишають за собою право встановлювати або змінювати розмір Винагороди за Програмою агентської винагороди на власний розсуд. Організатор не зобов’язаний інформувати Учасників про такі зміни.

Previous editions of Program Rules:

Program Rules (edition from 08.02.2023)

Program Rules (edition from 25.11.2022)

Program Rules (edition from 01.09.2022)

Program Rules (edition from 16.08.2022)

Program Rules (edition from 12.08.2022)

Program Rules (edition from 25.03.2022)

Program Rules (edition from 02.03.2022)

Program Rules (edition from 15.02.2022)

Program Rules (edition from 09.12.2021)

Program Rules (edition from 26.04.2021)

Program Rules (edition from 23.04.2021)