Terms of Service

These Terms of Service (the “Terms”) govern the relationship between Intelliants LLC (the “Company”, “we”, “us”) and users of the BANKIR.KG service (the “Service”, the “Platform”).

By accessing or using the Service, you confirm that you have read, understood and agree to comply with these Terms. If you do not agree with any of the provisions, please refrain from using the Service.

BANKIR.KG is a web and mobile application for personal loan and debt tracking. The Service allows users to:

• —Record loans given and received
• —Track payments and outstanding balances
• —Manage contacts and link them to financial records
• —View loan reports and statistics
• —Keep shared records with other users of the Service

The Service is a personal record-keeping tool and is not a bank, credit institution or financial intermediary. The Company does not take part in financial transactions between users.

The Service offers the free Cashier plan with limited functionality and the paid Banker plan with no limits. Current terms and prices are on the Pricing page. The plan is tied to the account and works in every version of the Service — in the browser and in the mobile apps.

How you pay depends on where you get the plan:

• —Web version (app.bankir.kg): a one-time payment for the chosen period — a month or a year — in som via O!Dengi or in cryptocurrency via Trybit, on the payment provider’s secure page. A receipt comes by email after the payment
• —iPhone and iPad app: an App Store subscription. The price is shown in the App Store before the purchase in your country’s currency, and the payment is charged to your Apple ID
• —Android app: in-app payment is not available yet — you can get Banker in the web version, and it works in the app too

The Company does not receive or store bank card details, crypto wallets or other payment details — O!Dengi, Trybit and Apple process them.

A payment in the web version does not renew automatically: “renewing” means a new payment. An App Store subscription renews automatically for the same period unless cancelled at least 24 hours before the end of the current period; you can cancel it in your Apple ID settings — Settings → Plan shows how to get there. After cancelling, Banker works until the end of the paid period. When the paid period ends, the plan returns to Cashier; all your data stays. We will notify you by email and in the Service at least 3 days before a web payment or a subscription with auto-renewal off ends.

Paid periods that overlap are not lost: while an App Store subscription is active, the days paid in the web version wait and start after it ends. The Company may give the Banker plan for free — as a gift, as a bonus (including under the «Invite a friend» program) or to try the Service; such periods add up with paid ones in the same way.

Payments in the web version are not refundable, except as required by mandatory law of the Kyrgyz Republic. If a technical error occurred during payment (for example, a double charge or a payment without the plan being activated), contact us via the Contacts page — we consider such cases individually. Refunds for an App Store subscription are made by Apple under its rules; after a refund, the Banker plan under that subscription ends.

Every user has a personal invitation link: it is in the app (Settings → Plan → Invite a friend), and the QR codes in documents the user creates (a loan PDF, a reconciliation statement) carry it too. A user who registers a new account by such a link within a day of registering is an invited user; an account can have only one inviter, and it does not change.

For the invited user’s first payment for the Banker plan, the inviter gets a bonus — a free period of the Banker plan:

• —1 month — if the invited user paid for a month
• —3 months — if the invited user paid for a year

The bonus is given automatically 14 days after the invited user’s first payment unless it was refunded; later payments of the same user give no bonus. A payment is a payment of real money by any available method; a free or trial period, a bonus and a gifted plan are not payments. The bonus period extends the current Banker plan, or, if the plan is paid by an App Store or Google Play subscription, starts after it ends. The bonus does not expire, cannot be exchanged for money and cannot be passed to other users.

The bonus is at most 12 months in any 365 days: a bonus that does not fit in this limit entirely is not given. Inviting yourself does not count.

The Company may withhold or cancel a bonus and end a user’s participation in the program in case of abuse: creating accounts to get the bonus, using someone else’s means of payment, sending the link in bulk without the recipients’ consent and other bad-faith actions. The Company may change the terms of the program or end it; bonuses already given are kept.

Most features of the Service require registration. When registering, you must:

• —Provide a valid email address
• —Create a strong password and keep it secret
• —Not share your access credentials with third parties
• —Notify us immediately of any unauthorized access to your account

Each individual may create only one account. Registration is allowed from the age of 18. You are fully responsible for all actions taken through your account.

By using the Service, you agree to:

• —Use the Service only for lawful purposes
• —Not violate the rights of third parties when entering contact and loan data
• —Not provide knowingly false information to other users
• —Not attempt to gain unauthorized access to other users' data
• —Not use the Service for automated data collection (scraping, bots)
• —Not reproduce, copy or distribute elements of the Platform without the Company's written permission

The following is strictly prohibited on the Platform:

• —Illegal usury or any activity contrary to the laws of the Kyrgyz Republic
• —Using the Service for money laundering, terrorist financing or other unlawful transactions
• —Uploading malicious code or attempting to breach the Service's infrastructure
• —Creating accounts to circumvent bans or restrictions
• —Any actions that may disrupt the Service or harm other users

The Service allows you to connect other users and give them access to individual loans and payments. Shared access is granted only by explicit invitation. You are responsible for choosing the people you give access to your data. The Company is not responsible for the actions of connected users within the access you have granted.

Personal data is collected, stored and processed in accordance with our Privacy Policy, which is an integral part of these Terms. By using the Service, you consent to the processing of data in accordance with that Policy.

All rights to the Platform, including software code, design, logos, texts and other materials, belong to Intelliants LLC or are used on lawful grounds.

Users are granted a limited, non-exclusive, non-transferable license to use the Service for personal non-commercial purposes. This license does not extend to copying, modifying, creating derivative products, reselling or any other commercial use of the Platform.

The Service is provided “as is”. The Company does not guarantee:

• —Uninterrupted and error-free operation of the Service
• —The completeness and accuracy of information entered by users
• —The safety of data in the event of force majeure

The Company is not liable for losses arising from the use of or inability to use the Service, loss of data, or for financial relationships between users recorded in the Service.

The Company reserves the right to change, suspend or discontinue the Service (in whole or in part) at any time, including for maintenance. Where possible, we will notify users of scheduled maintenance in advance.

You may delete your account at any time: in the app (Settings → «Security and sign-in» → «Delete account») or at bankir.kg/delete-account. After the request:

• —The account is locked and deleted after 30 days; until then signing in to the app restores it
• —Your personal data, loans, contacts, payments, notes and files are deleted
• —Loans shared with a linked user stay with them as their own record
• —Plan payment records are kept without a link to you for accounting
• —After the deletion the account cannot be restored

The Company may block or delete a user's account for violation of these Terms without prior notice.

The Company reserves the right to make changes to these Terms. The current version is always available on this page. We will notify users of material changes by email or through the Service interface at least 7 days before the changes take effect. Continued use of the Service after such notice constitutes your acceptance of the new Terms.

These Terms are governed by and construed in accordance with the laws of the Kyrgyz Republic. All disputes arising out of or in connection with these Terms shall be settled by the courts of the Kyrgyz Republic at the Company's location.

For questions about these Terms, please contact us via the Contact page.