E-JS Trading
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REFUND POLICY

for users of the “E-JS INVEST” mobile application

Effective date: September 10, 2026

This Policy sets out the terms on which “BIZNES GRAND TEXTILE” LLC (hereinafter referred to as the “Licensor”) refunds payments for the Subscription. It is based on the Public Offer for the provision of access to the “E-JS INVEST” mobile application (hereinafter referred to as the “Offer”) and the Law of the Republic of Uzbekistan “On Protection of Consumer Rights”. Matters not covered by this Policy are governed by the Offer and the legislation of the Republic of Uzbekistan.

1. GENERAL PROVISIONS

1.1. The Subscription is a digital service that is paid for in advance (clause 8.9 of the Offer) and provided electronically in the Application immediately after successful payment.

1.2. Nothing in this Policy limits the rights of the User as a consumer under the Law of the Republic of Uzbekistan “On Protection of Consumer Rights”.

2. CASES OF FULL REFUND

2.1. The amount paid is refunded in full if:

  • funds were debited, but access to the paid functionality of the Application was not provided due to a technical failure;
  • the same payment was debited more than once (duplicate charge) — in this case the amount debited in excess is refunded.

3. CASES IN WHICH NO REFUND IS MADE

3.1. The paid period of the Subscription is not suspended or extended, and the unused remaining period is not refunded, if the User did not manage to review all of the Course materials and/or Books within the paid period, regardless of the reason (clause 8.4 of the Offer).

4. HOW TO SUBMIT A REFUND REQUEST

4.1. The request is sent to the Support Service e-mail address listed in the “Contacts” section of this website, in the manner set out in Section 17 of the Offer.

4.2. The request must contain (clause 17.2 of the Offer):

  • the data provided upon registration in the Application;
  • full name and e-mail address;
  • copies of documents confirming that the payment was made (for example, the electronic receipt or a bank statement).

5. REVIEW PERIOD AND RETURN OF FUNDS

5.1. The Licensor reviews the request within 10 (ten) calendar days of its receipt (clause 17.4 of the Offer).

5.2. If the refund is approved, the money is returned to the same bank card (payment instrument) from which the payment was made. The time it takes for the funds to be credited depends on the rules of the internet-acquiring system and the regulations of the bank servicing the User’s payment instrument (clause 17.4 of the Offer).

6. DISPUTE RESOLUTION

6.1. Disputes are first resolved through the pre-trial (claims) procedure. If a dispute cannot be resolved in this way, it is referred to the court at the location of the Licensor, unless otherwise mandatorily provided for by the legislation of the Republic of Uzbekistan (clause 17.6 of the Offer).