English and Russian versions are provided. In case of any discrepancy, the Russian version prevails (the document is governed by the law of the Republic of Kazakhstan).

Refund Terms

Version of 10 October 2026.

These Terms govern the procedure for refunding funds paid for access to the MusharaqaHub platform and form an integral part of the Public Offer.

1. General provisions

The subject of payment is a limited software licence and digital data-processing services (a service rendered in electronic form). Refunds are made to the same bank card used for payment.

2. When a refund is possible

• before access to the Platform is granted and services begin — in full;
• if the service cannot be rendered for reasons attributable to the Provider — in full;
• if the service was partially rendered — pro rata to the volume of services actually rendered (stages completed), less the cost of work already performed.

3. When a refund is not made

• after access to the Platform is granted and services begin — for the part of services actually rendered;
• if the User breaches the terms of the offer or the laws of the Republic of Kazakhstan;
• if the User provides inaccurate data or does not hold rights to the IP object.

4. Refund procedure

1. The User sends a refund request to info@musharaqahub.com stating their full name, the date and amount of payment, and the reason for the refund.
2. The Provider reviews the request within 10 (ten) business days.
3. If approved, the funds are returned to the card used for payment within up to 10 (ten) business days (the actual crediting time depends on the card-issuing bank).

Refunds are made in tenge (KZT). Any difference arising from exchange-rate changes between the payment date and the refund date is not compensated by the Provider.

5. Contacts

Public company MusharaqaHUB PLC, BIN 260140901516. E-mail: info@musharaqahub.com · Phone: +7 777 243 14 17.