What does accepting the User Agreement mean?

Acceptance of the User Agreement (Offer) occurs automatically when you register on the EUROASIA INSURANCE website or mobile application. By registering, you confirm that you: • Have read and understood all terms of the User Agreement • Agree to the Privacy Policy and Personal Data Processing Policy • Give consent to the processing of your personal data for the purpose of providing insurance services After registration, the contract is considered concluded in written form, and you gain full access to the platform's functionality for purchasing insurance policies, managing contracts, and settling insurance claims.

What personal data does the company collect and why?

During registration, we collect the following data: • PINFL (Personal Identification Number) • Biometric passport/ID card series and number • Mobile phone number for account activation This data is used for: • User identification and authentication • Concluding insurance contracts • Processing insurance claims • Sending informational notifications • Compliance with the legislation of the Republic of Uzbekistan Detailed information about the composition of collected data, purposes of processing, storage periods, and your rights is contained in the Privacy Policy and Personal Data Processing Policy, available at: https://eai.uz/en/privacy-policy

Can I get a refund of the insurance premium if I change my mind?

Yes, a refund of the insurance premium is possible in the following cases: Refund conditions: • The refund is made proportionally to the unused period of the contract • 10% administrative costs are deducted • If an insurance payment has already been made under the contract, the premium is not refundable Refund procedure: 1. Submit a written application for a premium refund 2. Attach all necessary documents 3. The refund is processed within 15 business days from the date the company receives the application Example: If you paid 1,200,000 UZS for an annual policy and decide to terminate the contract after 3 months (25% of the term used), you will receive: (1,200,000 × 75%) - 10% = 810,000 UZS.

How can I delete my account and personal data?

You have the right to delete your account and withdraw consent for personal data processing at any time. Ways to delete your account: 1. Through your personal account on the website or mobile app (if the feature is available) 2. Contact customer support: • Call-center: 1147 • Email: info@eai.uz • Office: Tashkent, Yunusabad district, Abdulla Qodiriy street, building 3A What happens after deletion: • Your account will be deactivated • Personal data will be processed in accordance with the Privacy Policy • Please note: some data may be retained in accordance with regulatory requirements and the legislation of the Republic of Uzbekistan Important: If you have active insurance contracts, you must first settle all obligations under them.

Am I responsible if someone gains access to my account?

Yes, you bear full responsibility for the security of your account access credentials. Your obligations: • Ensure confidentiality of login, password, and mobile phone number • Do not share login credentials with third parties • Use strong passwords • Immediately notify the company if you suspect unauthorized access The company is not responsible for account security if: • You intentionally or negligently shared your password with third parties • Third parties gained access by password guessing or using software tools All actions performed under your account are considered to have been performed by you personally, even if they were actually carried out by another person. What to do if your account is compromised: 1. Immediately contact customer support: 1147 or info@eai.uz 2. Change your password (if possible) 3. Check all transactions in your personal account

How can I file a complaint if I disagree with the company's actions?

If you believe that the company has improperly fulfilled its obligations, you have the right to file a complaint. Complaint filing procedure: 1. Form of complaint: • Written (in person at the office) • Electronic (via email: info@eai.uz) 2. Content of the complaint: • Your contact information • Description of the situation • Claims and justification • Attached documents (if any) 3. Review period: • 15 days – standard review period • Up to 1 month – if additional investigation or document requests are required 4. Response to the complaint: • Sent by email • Or handed over personally with signature Contacts for filing complaints: • Address: Tashkent, Yunusabad district, Abdulla Qodiriy street, building 3A • Email: info@eai.uz • Call-center: 1147 If the complaint is not resolved: If it is impossible to resolve the dispute through negotiations, you have the right to go to court in accordance with the current legislation of the Republic of Uzbekistan.

User Agreement | EUROASIA INSURANCE

This User Agreement (Offer) has been developed in accordance with the Civil Code of the Republic of Uzbekistan, the Law on Insurance Activities No. ZRU-730 dated November 23, 2021, Resolution of the Cabinet of Ministers of the Republic of Uzbekistan "On measures to further improve the procedure for conducting transactions in electronic commerce" No. 185 dated June 2, 2016, and the Law "On Personal Data" No. ZRU-547 dated July 2, 2019.

Acceptance of the terms of this Offer constitutes the consent of an individual or legal entity to use the website, mobile applications, and services of the Insurer. By registering on the website or in mobile applications, the User confirms that they have read and agree to the terms of this Offer, as well as to the Privacy Policy and Personal Data Processing Policy, posted at: https://eai.uz/en/privacy-policy.

The terms of this Offer are the same for all users of the Insurer's electronic system.

1. Definitions

Insurer – Joint Venture Joint-Stock Company "EUROASIA INSURANCE", operating under a License issued by the National Agency for Prospective Projects SF No. 031333 dated June 30, 2022.
Policyholder/User – an individual or legal entity that has entered into an insurance contract with the Insurer under the terms of this Offer, using the identification system on the website and other mobile applications owned by the Insurer.
Offer – a proposal addressed to one, several specific, or unknown persons, indicating the offeror's desire to enter into a contract with any person who expresses a desire to enter into a contract under the terms specified in the document, and including all essential conditions related to the use of the Insurer's website and mobile applications.
Acceptance – consent to the proposal (Offer) to enter into a contract under the terms specified in the proposal, having legal consequences.
Individual – a citizen of the Republic of Uzbekistan, a foreign citizen, or a stateless person having a personal identification number (PINFL).
Personal Data – information recorded on electronic, paper, and/or other material medium, relating to a specific individual or enabling their identification.
Privacy Policy – a document defining the procedure for collecting, processing, storing, protecting, and using Users' personal data, posted on the Insurer's website at: https://eai.uz/en/privacy-policy.

2. Subject of the Offer

2.1. The subject of this Offer is to provide the User with access to the Insurer's website, mobile applications, and electronic services for concluding insurance contracts, managing policies, settling insurance claims, and receiving information support.

2.2. The procedure for collecting, processing, and protecting Users' personal data is governed by the Privacy Policy and Personal Data Processing Policy, which the User must review before registration.

3. Procedure for Concluding the Contract

3.1. By registering in the Identification System, the User fully accepts the terms of this Offer and confirms that they have read and agree to the Privacy Policy and Personal Data Processing Policy, posted at: https://eai.uz/en/privacy-policy.

3.2. Registration on the website or in mobile applications constitutes the User's unconditional consent to the processing of their personal data for the purposes and under the conditions specified in the Privacy Policy.

3.3. Before registering in the identification system, the User must familiarize themselves with all the terms of this Offer and the Privacy Policy. The moment of registration of an individual in the identification system is the moment of agreement with this Offer and the Privacy Policy. A User registered in the identification system is considered to have read and agreed to all the terms of this Offer and the Privacy Policy. In this case, the agreement is considered signed by both parties, and the contract is considered concluded in written form based on the terms of this Offer.

4. Conditions for Registration in the Identification System

4.1. To register in the identification system, an individual User must provide the following information:

biometric passport/identity card data (PINFL, series and number of biometric passport);
a valid mobile phone number to receive the main activation code for the account.

4.2. The composition of personal data collected, the purposes of their processing, and the procedure for their use are described in detail in the Privacy Policy and Personal Data Processing Policy.

5. Rights and Obligations of the Policyholder/User

5.1. The Policyholder/User has the following rights:

to use the functionality of the Insurer's website and mobile applications in accordance with their intended purpose;
to exercise their rights regarding personal data in the manner established by the Privacy Policy;
to unilaterally terminate this Offer at any time and refuse to use information systems and resources by deleting their account;
to receive information about the status of their applications and insurance contracts;
to contact the Insurer's support service regarding the use of the website and mobile applications.

5.2. The Policyholder/User is obliged to:

not perform actions aimed at disrupting the operation of the website and mobile applications owned by the Insurer;
provide accurate information during registration and authentication, without impersonating another person or a representative of any organization;
take necessary measures to ensure the security of their records;
notify the Insurer in case of a breach of confidentiality or compromise of account access credentials (mobile phone number, login, and password).

6. Rights and Obligations of the Insurer

6.1. The Insurer has the following rights:

to monitor the actions of the Policyholder/User when using the website and mobile applications owned by the Insurer;
in case of violation by the Policyholder/User of the requirements of this Offer, to restrict the Policyholder/User's capabilities in using the relevant website and applications, including by blocking the Policyholder/User's account in the registration system;
to modify these terms of use of the relevant applications and website without prior notification to the Policyholder/User. Modified terms are posted on the main page of the relevant website and applications;
to send informational messages to the Policyholder/User.

6.2. The Insurer is obliged to:

ensure the functioning of the identification, authorization, and authentication system for Users on the website and mobile applications owned by the Insurer;
guarantee the integrity and immutability of user data in the identification, authorization, and authentication system for Users;
ensure the protection of the Policyholder/User's personal data in accordance with the requirements of the regulatory legal acts of the Republic of Uzbekistan and the conditions established in the Privacy Policy and Personal Data Processing Policy.

6A. Personal Data Processing

6A.1. The procedure for collecting, processing, storing, transferring to third parties, protecting, and deleting Users' personal data is governed by the Privacy Policy and Personal Data Processing Policy, posted at: https://eai.uz/en/privacy-policy.

6A.2. By registering on the Insurer's website or in mobile applications, the User confirms that they have read the Privacy Policy and consent to the processing of their personal data for the purposes and under the conditions specified in the Privacy Policy.

6A.3. The User has the right to withdraw consent to personal data processing in the manner established by the Privacy Policy.

7. Refund of Insurance Premium and Contract Cancellation

7.1. A refund of the insurance premium (in full or in part) is possible in cases provided for by the Insurance Rules and legislation.

7.2. When terminating the contract at the Policyholder's initiative, the refund is made proportionally to the unused period of the contract, minus 10% administrative expenses.

7.3. If an insurance payment has been made under the contract, the premium is not subject to refund.

7.4. To receive a refund of the insurance premium, the Policyholder must submit a corresponding written application. The refund of the insurance premium due for payment is made within 15 (fifteen) business days from the date the insurance company receives the application and all necessary documents.

8. Term of the Offer

8.1. This Offer comes into force from the moment of registration and remains valid until the complete fulfillment of the contract by the Parties.

9. Liability

9.1. The Insurer's liability for the processing and protection of personal data is governed by the Privacy Policy and Personal Data Processing Policy and the current legislation of the Republic of Uzbekistan.

9.2. The Insurer is not liable for malfunctions or loss of functionality of the identification system if such malfunctions or loss of functionality are caused by:

actions of third parties aimed at unauthorized use of the identification system software and/or failure of the specified software;
failure of connected web services.

9.3. The Insurer is not liable for any direct or indirect losses caused by the use or inability to use the identification system.

9.4. The Insurer is not liable for the security of the User's account in the following cases:

provision of passwords and personal data by the user to third parties (intentionally or by negligence);
use of the User's account by third parties through the use of software or by selection methods, allowing to guess a password and/or unlock a code.

9.5. The User bears full responsibility for the accuracy of the personal data provided, including for their timely update and modification in accordance with the requirements of current legislation.

9.6. The User bears personal responsibility for the safekeeping (as well as resistance to detection) of the credentials chosen by them for accessing the account, and independently ensures their confidentiality. All actions performed under the User's account are considered to be performed by the User.

9.7. The Parties are not liable for partial or complete non-fulfillment of obligations under this Offer if such non-fulfillment is considered a consequence of force majeure circumstances that arose after the conclusion of this Offer and prevent the implementation of the Offer. Force majeure circumstances include natural phenomena independent of the will and activities of the Parties (earthquakes, floods, droughts, etc.) or socio-economic situations (war, export-import control, imposition of international sanctions, etc.), objectively oppressive conditions (epidemic, pandemic, quarantine), man-made disasters (fires, explosions, etc.), unexpected accidents, disruptions in the operation of infrastructure networks (transport, energy systems), natural disasters that prevent the parties from fulfilling their obligations (According to Resolution of the Cabinet of Ministers of the Republic of Uzbekistan dated June 7, 2023 No. 231).

10. Procedure for Considering Claims

10.1. The User has the right to submit a claim to the Insurer in written or electronic form in case of non-fulfillment or improper fulfillment by the Insurer of its obligations under this Offer.

10.2. The Insurer is obliged to consider and respond to the claim within 15 (fifteen) days from the date of its receipt in the manner established by the Law of the Republic of Uzbekistan "On Appeals of Individuals" No. ZRU-378 dated December 3, 2014; if it is necessary to conduct additional study and/or when a request for additional documents is required, the claim is considered within a period of up to one month. The response to the claim is sent by email or handed to the User against their signature.

11. Dispute Resolution Procedure

11.1. In the event of disputes, demands, or disagreements on issues provided for by this Offer, the Parties shall take measures to resolve them through negotiations.

11.2. If it is impossible to resolve disputes, disagreements, or demands arising from or in connection with the insurance contract, including those concerning its execution, violation, termination, or invalidity, through negotiations, they shall be resolved in court in accordance with the current legislation of the Republic of Uzbekistan.

12. Details and Contact Information

Bank Details of JV JSC "EUROASIA INSURANCE":

Address: Tashkent city, Yunusabad district, Abdulla Kadiri street, building 3A.
Current account: 2021 4000 5039 6842 0001
Bank: "Sayokhat" branch of National Bank of Uzbekistan
MFO: 00450
TIN: 202723160