Payment and refund methods

Payment by bank card online

Our website is connected to Internet acquiring, and you can pay for the Service with a Visa or Mastercard bank card. After confirming the selected Product or service, a secure window will open with the payment page of JSC Bank CenterCredit, where you need to enter your bank card details. The 3-D Secure protocol is used for additional authentication of the cardholder. If your issuing Bank supports this technology, you will be redirected to its server for additional identification. Please check with the Bank that issued your bank card for information about the rules and methods of additional identification.

The online payment service is carried out in accordance with the rules of the International payment systems Visa and MasterCard on the principles of confidentiality and security of payment, for this purpose the most up-to-date methods of verification, encryption and data transmission over closed communication channels are used. The bank card data is entered in a secure window on the payment page of JSC Bank CenterCredit.

In the fields on the payment page, you must enter the card number, cardholder's name, card expiration date, and a three-digit security code (CVV2 for VISA or CVC2 for MasterCard). All necessary data is displayed on the surface of the bank card.

CVV2/CVC2 is a three-digit security code located on the back of the card.

Next, the page of your issuing bank will open in the same window to enter the 3-D Secure code. If you do not have static 3-D Secure configured, it will be sent to your phone number via SMS. If you have not received the 3-D Secure code, then you should contact your issuing bank.

3-D Secure is the most advanced technology for ensuring the security of card payments on the Internet. It allows you to uniquely identify the authenticity of the cardholder performing the transaction and minimize the risk of fraudulent card transactions.

Safety guarantees

JSC Bank CenterCredit protects and processes your bank card data according to the PCI DSS 3.0 security standard. Information is transferred to the payment gateway using SSL encryption technology. Further information transfer takes place over closed banking networks with the highest level of reliability. JSC Bank CenterCredit does not transfer your card data to us or other third parties. The 3-D Secure protocol is used for additional authentication of the cardholder.

If you have any questions about the completed payment, you can contact the customer support service of the payment service by e-mail support@cloudpayments.kz

Online payment security

The personal information you provide (name, address, phone number, e-mail, credit card number) is confidential and not subject to disclosure. Your credit card data is transmitted only in encrypted form and is not stored on our Web server.

The security of online payment processing is guaranteed by JSC Bank CenterCredit. All transactions with payment cards take place in accordance with the requirements of VISA International, MasterCard and other payment systems. When transmitting information, specialized security technologies for online card payments are used, data processing is carried out on a secure high-tech server of the processing company.

Payment by credit cards is safe because:

• The authorization system guarantees the buyer that the payment details of his payment card (number, expiration date, CVV2/CVC2) will not fall into the hands of fraudsters, since these data are not stored on the authorization server and cannot be stolen.
• The buyer enters his payment data directly in the authorization system of Bank CenterCredit JSC, and not on the website of the online store, therefore, the payment details of the buyer's card will not be available to third parties.

Refund of funds

When making online payments using payment cards, cash refunds are not allowed. The refund procedure is governed by the rules of international payment systems:

1. The consumer has the right to refuse the goods at any time before its transfer, after the transfer of the goods, the refusal must be issued within 14 days;
2. The return of goods of proper quality is possible if its presentation, consumer properties, as well as a document confirming the fact and conditions of purchase of the specified product are preserved;
3. The consumer does not have the right to refuse a product of proper quality having individually defined properties if the specified product can be used exclusively by the person purchasing it;
4. In case of refusal of the goods by the consumer, the seller must return to him the amount of money paid by the consumer, no later than ten days after the date of the consumer's presentation of the relevant claim.

To refund funds to a bank card, you must fill out an Application for a refund, which is sent by the company to the email address upon request, and send it along with a copy of the identity document to the address refund-of-funds@topsky.kz .

The refund will be made to the bank card within 60 business days from the date of receipt of the Application for a refund by the Company.

In order to refund funds for transactions carried out with errors, it is necessary to apply with a written application and attach a copy of the identity document and checks/receipts confirming the erroneous write-off. This application must be sent to refund-of-funds@topsky.kz .

The refund amount will be equal to the purchase amount. The period for consideration of the Application and refund of funds begins to be calculated from the moment the Company receives the Application and is calculated in working days excluding holidays / weekends.

Cases of refusal to make a payment:

• the bank card is not intended for making payments via the Internet, which can be found out by contacting your issuing Bank;
• there are not enough funds to pay with a bank card. You can find out more about the availability of funds on the payment card by contacting the bank that issued the bank card;
• the bank card data is entered incorrectly;
• the bank card has expired. The validity period of the card is usually indicated on the front of the card (this is the month and year until which the card is valid). You can find out more about the validity period of the card by contacting the issuing bank.

For payment by bank card and other issues related to the operation of the site, you can contact the following phone numbers: +7 (776) 561-77-71.

Privacy

1. Definitions

   Internet project topsky.kz (hereinafter – URL, «we») takes the issue of confidentiality of information of its customers and site visitors seriously topsky.kz (hereinafter referred to as "you", "site visitors"). We call personalized information that contains personal data (for example: full name, username or company name) of the site visitor, as well as information about the actions you perform on the site URL. (for example: ordering a site visitor with their contact information). We call anonymous data that cannot be uniquely identified with a specific site visitor (for example: site traffic statistics).

2. Information usage

   We use the personalized information of a particular site visitor solely to ensure high-quality provision of services and their accounting. We do not disclose the personalized data of some site URL visitors to other site visitors. We never publish personalized information in the public domain and do not share it with third parties. The only exceptions are situations where the provision of such information to authorized state bodies is prescribed by the current legislation of the Republic of Kazakhstan. We publish and distribute only reports based on collected anonymous data. At the same time, the reports do not contain information by which it would be possible to identify personalized data of service users. We also use anonymous data for internal analysis, the purpose of which is to develop URL products and services.

3. Links

   Website topsky.kz may contain links to other sites that are not related to our company and belong to third parties. We are not responsible for the accuracy, completeness and reliability of information posted on third-party sites, and do not assume any obligations to maintain the confidentiality of information left by you on such sites.

4. Limitation of liability

   We do our best to comply with this privacy policy, however, we cannot guarantee the safety of information in case of exposure to factors beyond our control, the result of which will be the disclosure of information. Website topsky.kz and all information posted on it are provided on an "as is" basis without any guarantees. We are not responsible for adverse consequences, as well as for any losses caused as a result of restricting access to the URL site or as a result of visiting the site and using the information posted on it.

5. Contacts

   For questions regarding this policy, please contact policy@topsky.kz .

Legal entity

Full official name	Limited Liability Partnership "TOP SKY KZ"
Abbreviated representation	ТОО «TOP SKY KZ»
CEO	Pronin Vladimir Sergeevich
BIN	220440006325
KBE	17
UGD for Bostandyk district DGD for Almaty city CGD of the Ministry of Finance of the Republic of Kazakhstan	6004
Legal address	050021, Kazakhstan, Almaty city, Bostandyk district, Bukhar Zhyrau Boulevard, 26/1, 6th floor
Actual address	050021, Kazakhstan, Almaty city, Bostandyk district, Bukhar Zhyrau Boulevard, 26/1, 6th floor
Phone	+77765617771
BIC (bank code)	KCJBKZKX
Bank name	JSC "Bank CenterCredit"
Location of the bank's institution	Almaty, Tole bi str. 302b
IIC KZT (settlement account in national currency)	KZ108562203116625417
IIC EUR (current account in hard currency)	KZ458562203216625482
IIC USD (current account in hard currency)	KZ518562203216625471
IIC RUB (settlement account in the soft currency of the CIS)	KZ118562203316625528