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Terms and conditions

PUBLIC AGREEMENT ON ISSUANCE AND SERVICE OF ELECTRONIC MONEY

1. Main Terms Used in the Agreement

1.1. Public Agreement – the agreement concluded between the System Operator and the User on opening and replenishment of a Registration Account for issuance and service of electronic money through the System, as well as an agreement on making payments with electronic money for the services rendered in the System.

1.2. Electronic money - electronic money based on "Idram" computer system- monetary value recorded in the operating system installed on a computer or some other electronic device with the help of special software, allowing its User to make payments for the services provided in the System, with virtual/web money (prepaid electronic value) acquired in advance, hereinafter referred to as "Idram" units, in compliance with the Public Agreement and the rules of the System.

1.2.1. 1 (one) "Idram" unit is equivalent to 1 (one) Armenian Dram.

1.3. Replenishable electronic money - monetary value stored in a microprocessor (chip) or in "Idram" IPS’s centralized database (prepaid electronic value), which can be replenished (increased).

1.4. Non-replenishable one-off electronic money - monetary value stored in a microprocessor (chip) or in "Idram" IPS’s centralized database (prepaid electronic value), which cannot be replenished. The restrictions defined by the “Regulation on Sizes and Restrictions of Transactions with Electronic Money” posted on the System Operator’s official website apply to the non-replenishable one-off electronic money available on the User’s unidentified Registration Account.

1.5. User – private individual, legal entity, or private entrepreneur, who has concluded a Public Agreement with the System Operator, for acquisition of electronic money in compliance with the conditions and rules preliminarily announced and defined by the System Operator, and for the payment of rendered services with electronic money.

1.5.1. The User can make use of all types of services offered by “Idram” IPS only by means of identification (except for theNon-replenishable one-off electronic money). The conditions of theidentification process aredescribed in detail in the document titled “Procedure and Conditions of User Identification” (hereinafter referred to as Annex 3).

1.6. System or “Idram” IPS /internet payment system/ - a system making settlements with “Idram” units – the integrity of “Idram” internet payment system, Operators, Service Providers, Distributors and/or Agents (hereinafter referred to as Participants), as well as the complex of the regulations, hardware, software, and processes providing for issuance and service of electronic money.

1.7. System Operator – “Idram” limited liability company /registration number 286.110.06775, TIN02588245/, responsible for the activity of “Idram” IPS. It is the operator of the system of settlements with “Idram” units.

1.8. Service Provider – legal entity or private entrepreneur, who has concluded a Public Agreement with the System Operator, for the acceptance from Users of the electronic money issued by the System Operator, as a payment for sold goods and/or performed works and/or rendered services and/or civil or administrative and other transactions, in accordance with the rules of the System.

1.9. Agent – a financial organization other than the System Operator, which, based on the agreement signed with the System Operator, issues or replenishes electronic money according to the rules of the System, as well as distributes Replenishment Cards.

1.10. Distributor – a person other than the Agent, who distributes Replenishment Cards/Codes based on the agreement signed with the System Operator.

1.11. Financial organization – an organization that has obtained a license for making money transfers, or a bank operating in the Republic of Armenia, or a branch of a foreign bank.

1.12. System rules – the entirety of the norms, regulations, and procedures, providing for the settlements and cooperation at the time of service/usage of electronic money among Participants.

1.13. Replenishment Card/Code – A card/code, issued by the System Operator, with certain nominal value, which enables the User to replenish the Registration Account for an amount equivalent to the paid funds.

1.14. Sale of Replenishment Cards/Codes – a function, in the result of which a replenishment card is provided in exchange for the funds paid in cash or non-cash manner.

1.15. Distribution of Replenishment Cards/Codes – a function, in the result of which the System Operator itself, or via Distributor or Agent, sets the printed replenishment cards for sale.

1.16. Registration Account or “Idram” ID – a unique nine-digit number, an account opened in the System Operator’s centralized database in the User’s or Service Provider’s name, maintained/serviced by the System Operator, where the “Idram” units are being collected (replenished).

1.17. Replenishment of the Registration Account - a function, which enables the User to acquire “Idram” units and replenish the Registration Account in exchange for a cash or a non-cash payment or by means of converting equivalent funds for electronic money issued by another electronic money system.

1.18. Service of electronic money – providing for settlements between the Participants in the process of execution of operations with electronic money, as a result of which the User is enabled to cash out (present for redemption) the acquired electronic money, to pay to the Service Provider for the services rendered, and to make transfers to another person/persons and, in the cases stipulated by the Public Agreement, to also replenish the Registration Account and convert electronic money issued by another electronic money system.

1.19. Redemption of electronic money - a function, in the result of which the equivalent amount is paid to the User or another person specified by the User, in exchange for electronic money, in cash or non-cash manner, or the electronic money is converted into other electronic money.

1.20. Password – a combination of symbols created by the User, which is used by the System as a tool for the User’s identification and grants access to the System to make use of the services available in the System.

1.21. PIN Code – a combination of numbers created by the User, considered by “Idram” IPS as the User’s electronic signature which allows the User to make payments and other financial operations, as well as modify the Password and certain data specified by the System Operator.

1.22. Mobile phone identification code– a combination of letters and/or numbers, sent in form of an SMS by the System Operator to the mobile phone number specified by the User, in order to identify the entered mobile phone number in the System.

1.23. Client Agreement – an agreement concluded or an arrangement reached between the User and the Service Provider.

1.24. Client/Subscriber Account – the User’s specific account in the Service Provider’s system.

1.25. Money Transfer – transfer of monetary funds in “Idram” units and payment thereof to the Recipient specified in the User’s order, in compliance with the System rules. Mandatory data required for the money transfers are:

  • Code for identification of the transaction by the System Operator;,
  • Size of “Idram” units;
  • User’s data (name, surname, “Idram” ID);
  • Recipient’s data (name, surname);
  • Other data required by the System Operator, depending on the payment system, conditions, and type of the Money Transfer.

1.26. Recipient – a private individual, who is the recipient of the Money Transfer as specified in the User’s order.

1.27. Cash out point/Point of service – a point intended for service of the operations executed with the System (e.g.the System Operator’s branches, financial organizations’ branches, ATMs, terminals, etc.).

1.28. Commission fee – an amount charged from the Users based on the tariffs and procedure defined by the System Operator.

1.29. Payment – fulfillment of a monetary obligation or other payment by Users; a transaction executed by the System Operator from the User’s Registration Account based on the User’s payment order.

1.30. Acceptance of payment – the instance of execution of a transaction from the User’s Registration Account based on the User’s order, deduction of the respective amount from the User’s Registration Account, and generation of the respective payment and settlement document.

1.31. Performance of payment - the instance of receipt of information from the addressee of the payment about actual performance of the payment or the instance of actual receipt of the paid amount. The term of payment may vary depending on Service Providers or type of the service rendered.

1.32. Mobile Wallet - “Idram” IPS’s software, developed for smart devices (smartphones and tablets) with different operating systems, which allows execution of online operations and which enables the System Operator to ensure the rendering of services to Users.

1.33. Statuses of “Idram” ID – registration accounts - statuses according to the conditions and description given in the document titled “Statuses of Idram Registration Accounts and Their Description” (hereinafter referred to as Annex 2).

1.34. Users’ statuses in the System - Users’ statuses according to the conditions and description given in the document titled “Procedure and Conditions for User Identification” (hereinafter referred to as Annex 3).

1.35. Data recovery procedure – a procedure applied in case of loss of the Password and/or PIN code by the User, change of the identified phone number, obtaining of a new Password and/or PIN code, or the change or recovery of certain data available in the Registration Account, which can be presented to the User if the latter contacts the System Operator’s call center or the System Operator’s customer service office.

2. Subject of the Agreement

Pursuant to the Public Agreement, in connection with the relations between the User and the Service Providers, the System Operator undertakes to make money transfers with the User’s Registration Account as per the User’s order, whereas the User undertakes to accept the services properly rendered by the System Operator.

2.2. Pursuant to the Public Agreement, all money transfers are made in the System within the positive balance of funds available on the User’s registration account. The respective amount of transfer, including the commission fee /if any/, shall not exceed the size of “Idram” units available on the User’s registration account.

3. Conclusion of the Agreement

3.1. A precondition for conclusion of the Public Agreement is the User’s registration in the System in accordance with the System Operator’s regulation and the procedure defined by the Public Agreement, as well as obtaining of an “Idram” ID from the System by means of entering the Mobile phone identification code. The Public Agreement is considered as concluded electronically, upon the formation of “Idram” ID.

3.1.1. In order to get registered in the System, the User shall enter into the System a mobile phone number owned by or accessible for the User, create a password and a PIN code.

3.2. By signing the Public Agreement, the User confirms, that he/she has read all provisions of the Public Agreement and the System rules, that such rules are fully comprehensive and acceptable for the User, that using of the System and rendering of the services defined by the Public Agreement arise from his/her true interests or the true interests of the persons represented by the User, and that such rules by no means violate the rights and lawful interests of the User or of the persons represented by the User, neither can they cause any damage to the above-mentioned persons.

3.3. The System Operator has the right to unilaterally amend the provisions of the Public Agreement, after posting the respective preliminary notice on its official website. In such case the User acquires the right to unilaterally terminate the Public Agreement, informing the System Operator accordingly. In the event the User does not notify the System Operator about the unilateral termination of the Public Agreement in accordance with this paragraph herein and continues using the System services, the mentioned amendment/amendments shall be deemed as agreed and accepted by the User.

3.4. The User shall go through the identification process in accordance with the procedure stipulated by Annex 3.

4. Rights and Obligations of the System Operator

4.1. The System Operator shall:

4.1.1. Provide the User with unimpeded possibility to make use of the System.

4.1.2. Replenish the User’s registration account, in accordance with the forms and conditions specified on the System Operator’s official website or in the “Top up” section of the mobile application.

4.1.3. Conduct proper identification of the User, in accordance with the Law of the Republic of Armenia “On Combat against Money Laundering and Financing of Terrorism”, the respective acts adopted by the Central Bank of the RA, and Annex 3.

4.1.4. Take measures to secure privacy of information transferred through the System and protect it from unauthorized access, usage by, and/or disclosure to third parties.

4.1.5. Provide the User or the person specified by the User, with cash amount in AMD, equivalent to the “Idram” units withdrawn through the System within 3 /three/ days after the receipt of the User’s electronic order for redemption of “Idram” units and based on such order, whilst charging the respective commission fee from the withdrawn “Idram” units.

4.1.6. In case of loss of the Password and/or PIN code by the User, provide the latter with a new one or restore the lost one, in accordance with the Data recovery procedure.

4.1.7. Provide uninterrupted operation of equipment and software necessary for the System operation.

4.1.8. Within the framework of the System operation, provide the User with information regarding the services and opportunities offered by the System.

4.1.9. In accordance with the procedure defined by the legislation of the RA, provide the User with electronic settlement documents evidencing the payments made (electronic receipt – in the “Transaction History” section of the User’s Registration Account).

Upon the User’s request ensure provision of the settlement documentation (receipt for the payment) evidencing the payments made by the User.

4.1.11. In accordance with the procedure defined by the legislation of the RA, provide the User with history of operations performed by the User through the System and a relevant statement from the Registration Account.

4.1.12. In case of disputes and upon the User’s request, provide the latter with a sealed statement on the transfers performed by the User through the System.

4.1.13. In case of fraud, unauthorized actions, technical errors, or other problems, is such have arisen through the System Operator’s fault, after immediate notification to the Users via accessible methods, try to restore the System operation, within maximum of 24 hours.

4.1.14. Inform the User about arising, change or elimination of all circumstances significant for implementation of the Public Agreement.

4.2. The System Operator has the right to:

4.2.1. Reject the User’s transaction in the following cases:

4.2.1.1. The User has not gone through the relevant identification process;

4.2.1.2. There are substantial doubts regarding lawfulness of the User’s actions;

4.2.1.3. In case of entering a wrong PIN code.

4.2.1.4. The amount of the transaction does not correspond to the limits set by the System Operator for the respective service.

In other cases, stipulated by the Public Agreement and the System Operator.

4.2.2. Specify and update in the respective sections of the System Operator’s official website the minimum and maximum limits of transactions allowed to be made to and from the Registration Account, as per the statuses of the Registration Accounts.

4.2.3. Reject the User’s application for cancellation of a transaction, if execution of such transaction by the System Operator is impossible as per the System rules or the requirement of the Service Providers.

4.2.4. Refuse to return the charged commission when the User submits an application for cancellation of a transaction, if such cancellation of the transaction did not result of the System Operator’s fault.

4.2.5. Temporarily suspend operation of the System, while informing the User in advance, for the purpose of upgrading and making improvements in the equipment and software that ensure the operation of the System, enhancing the security level, and performing other preventive works.

4.2.6. Unilaterally amend the provisions of the Public Agreement, after posting the respective preliminary notice on the System Operator’s official website.

4.2.7. Terminate the Public Agreement in accordance with the “Terminated” status described in Annex 2.

4.2.8. Involve third parties for performance of its obligations stipulated by the Public Agreement, at its expense and at its own discretion.

4.2.9. Request and obtain the documents and information stipulated by Annex 1.

4.2.10. Request additional information from the User in the cases and according to the procedure stipulated by the legislation of the RA, including the normative legal acts adopted by the Central Bank of the RA.

4.2.11. Block the Client’s “Idram” ID in the cases stipulated by the Public Agreement, particularly:

4.2.11.1. In case if the User submits a request to block his/her “Idram” ID, provided that the information submitted by the User allows to identify the latter;

4.2.11.2. In case if the use of “Idram” ID coincides with unauthorized access to the System or some other attempt to breach the System security;

4.2.11.3. By the information security systems of the System Operator, in order to ensure the integrity and security of “Idram” ID;

4.2.11.4. In case of violation by the User of the rules stipulated by the Public Agreement, as well as by the normative legal acts adopted by the Central Bank of the RA, or in case of suspecting such violation.

4.2.11.5. Exercise other rights stipulated by the Public Agreement and the legislation of the RA.

5. Rights and Obligations of the User

5.1. The User shall:

5.1.1. Properly fulfill the obligations stipulated by the Public Agreement and the official website of the System Operator.

5.1.2. Provide the System Operator with reliable personal information and data, necessary to make use of the services within the framework of the Public Agreement.

5.1.3. Immediately inform the System Operator in case of having doubts with regard to approval of the transaction executed by the User.

5.1.4. Observe the System rules while making use of the System.

5.1.5. Strictly keep the confidentiality of information disclosed and transferred in the framework of the Public Agreement.

5.1.6. Bear responsibility for loss of funds from his/her “Idram” ID and for other unfavorable incidents resulting from disclosure of the Idram access and transaction approval data to third parties, irrespective of the fact whether this was caused by the User’s negligence, nonchalance, ignorance, or fault.

5.1.7. Inform the System Operator about arising, change or termination of the circumstances significant for operation of the System.

5.1.8. Immediately inform the System Operator about changes of the User’s passport data or other information provided to the System Operator.

5.1.9. Not use the Registration Account and prevent its usage by third parties for entrepreneurial purposes.

5.1.10. Disclose to the System Operator the real beneficiary of the Registration Account and/or of the funds available on the Registration Account and provide the System Operator with information regarding the real beneficiary and sources of funds, upon the System Operator's justified request.

5.2. The User has the right to:

5.2.1. Make use of all services available in the System, according to the System rules.

5.2.2. Transfer the rights arising from the Public Agreement to third parties, while accordingly informing the System Operator in advance. In such case, the third party, which assumes the transferred rights, shall also go through the identification process stipulated by the System rules and the Public Agreement.

5.2.3. Contact the System Operator in accordance with the procedure stipulated by the Public Agreement and posted on the System Operator’s official website for withdrawal of “Idram” units accumulated in “Idram” ID.

5.2.4. In case of loss of the “Idram” ID and/or PIN Code issued to the User, as well as the User’s Password, contact the System Operator in accordance with the procedure established by the “Personal” Section of the Registration Account for the recovery of the “Idram” ID, the obtaining of a new PIN Code and/or Password.

5.2.5. Make changes in the identified mobile phone number, in accordance with the System rules of the Registration Account.

5.2.6. Send claims, both electronically, and in paper form, using the postal and electronic mailing addresses of the System Operator posted in “Contacts” Section of the System Operator’s official website.

5.2.7. Make suggestions concerning the quality and procedure of the services rendered within the framework of the Public Agreement.

6. Responsibility of the Parties

6.1. The parties shall bear responsibility for non-fulfillment or improper fulfillment of the obligations stipulated by the Public Agreement, in accordance with the procedure defined by the legislation of the RA.

6.2. The System Operator is responsible for the User’s Prepayment only in the case of availability of a banking transfer receipt evidencing the Prepayment, a cash-desk order on credit of funds, a payment receipt issued by the financial organization, or a Replenishment card/code, as well as in case of conformity of data of the personal identification document of the User holding the Registration Account with the data available in the System.

6.3. The System Operator does not bear responsibility for malfunction and failure of the equipment and software that ensure operation of the System, as well as for temporary impossibility for the User to access the System, if such has occurred for reasons independent of the System Operator. Nevertheless, the System Operator shall immediately inform the Users about the arisen problems, using the available means.

6.4. The System Operator does not bear responsibility for refusing to provide services to the User, if such refusal is motivated by the reasons described by the Public Agreement and/or on the System Operator’s official website.

6.5. The System Operator does not bear responsibility for confidentiality of the information contained in the User’s computer.

6.6. The claims arising in connection with the services rendered to the User by the System Operator are settled in compliance with the following documents posted on the System Operator’s official website: Annex 9 of Regulation 8/03 titled “Publication of Information by Banks, Credit Organizations, Insurance Companies, Insurance Brokers, Investment Companies, Central Depository and Payment and Settlement Organizations Implementing Money Transfers” approved by Resolution No. 166-N of the Board of the Central Bank of the RA dated June 2, 2009, and Annex 2 to Resolution No. 225-N of the Board of the Central Bank of the RA dated July 28, 2009, as well as the respective amendments of these documents.

6.7. The User bears responsibility for any consequence resulting from loss of the Password, the Registration Account number, and/or the PIN code, or disclosure thereof to third parties in any other form.

6.8. The System Operator does not bear responsibility for the loss of funds from “Idram” ID specified in the Public Agreement and for other unfavorable incidents resulting from disclosure of the Idram access and transaction approval data to third parties.

7. Force-Majeure

7.1. The parties are discharged of responsibility for full or partial failure to fulfill their obligations under the Public Agreement if such failure is caused by force-majeure circumstances, which occurred after the execution of of the Public Agreement and which could not be foreseen or prevented by the parties. Force-majeure circumstances are: earthquake, flood, war, declaration of military state and state of emergency, political disorders, strikes, failure of communication means, acts adopted by government agencies, including the Central Bank of the RA, and other circumstances, which render fulfillment of the obligations stipulated by the Public Agreement, impossible. If the impact of force-majeure circumstances continues for more then 3 /three/ months, then each of the parties to the Public Agreement has the right to terminate the Public Agreement, while accordingly informing the other party in advance.

8. Miscellaneous

The issues not regulated by the Public Agreement are regulated by the provisions stipulated on the System Operator’s official website, and in the absence of such provisions – by the legislation of the RA.

8.2. Conclusion/execution of the Public Agreement in electronic format is equivalent with its legal consequences to the legal consequences of conclusion of the agreement by means of preparation of a written document signed by the System Operator and the User.

8.3. The procedure and terms of provision of all services in the System are described on the System Operator’s official website.

8.4. The Public Agreement takes effect upon creation of the “Idram” ID for the User.

8.5. Each of the parties is entitled to terminate the Public Agreement, by sending the relevant notification to the other party 15 /fifteen/ days in advance.

9. Notifications

9.1. Unless otherwise stipulated by the Public Agreement, all notifications within the framework of the Public Agreement shall be sent electronically, via electronic mail, the System Operator's official website, the Wallet, or SMS messages, and the notices sent in such manner are considered properly notified.

9.2. Based on technical specifications, the Operator cannot guarantee the receipt by the Client of the messages sent to the e-mail address or mobile phone number.

Annex 1

CONFIDENTIALITY DOCUMENT

A. General Informationր

The System Operator has developed this Confidentiality Document in order to demonstrate its commitment to the privacy of its User’s personal data, based on the conditions defined by the Confidentiality Document. By accepting the requirements and conditions of this Confidentiality Document, the User consents to the use and disclosure of his/her personal information by the System Operator, in the manner described in this Confidentiality Document. This Confidentiality Document is an integral part of the Public Agreement and all words/terms used in it have the meanings defined in the Public Agreement.

B. Collection and Use of Personal Data

To record the User in the System and to ascribe a unique "Idram" registration number ("Idram" ID) to the User, the System Operator obtains some personal information regarding the User, such as name, surname, registration and residence address, e-mail address and phone number (landline and mobile), as well as such mandatory information, as date of birth, passport data, etc. For the purposes of this paragraph, the System Operator is entitled to request and to keep the hard copy or electronic copy of the User’s passport/personal identification document and/or public services number. By virtue of the Public Agreement, the System Operator also obtains the right and authority to make a respective inquiry and obtain updated/amended information regarding the User’s passport data, from the Database of the RA Police Passport and Visa Department. Acquisition of such personal data facilitates the User identification as defined by the legislation of the RA, the Public Agreement, and the System Operator’s regulation, as well as taking of appropriate measures, whenever necessary.

The System Operator shall not disclose or otherwise publish the personal data provided by its Users, except for the cases defined by the legislation of the RA and the Public Agreement.

The System Operator is obliged to keep confidential only the personal data of the Users recorded by "Idram" IPS and submitted at the System Operator’s branches.

The User’s personal data can be used by the System to recover the User’s Password, contact the User in emergency situations, notify the User of changes and supplements to the System, and in other cases stipulated by the procedures and regulations approved by the System Operator.

The personal data submitted by the User to the System Operator cannot be provided to third parties in any other cases, except for the cases of violation by the User of the Public Agreement signed with the System Operator and/or the cases stipulated by the laws of the Republic of Armenia. In all other cases, such information can be disclosed only with the User’s consent or instruction. The System Operator is entitled to disclose to a person receiving a payment through the System the personal data of the person who has made the payment and the details of the payment transaction.

For the purposes of the Public Agreement concluded between the User and the System Operator, the information that could be obtained otherwise, without violating the confidentiality requirements, is not considered confidential.

The System Operator keeps the information and documents related to the functions performed with "Idram" ID for a minimum period of 5 (five) years since the date of execution of the respective transaction.

The User bears the risks of negative consequences caused by inaccuracy of the information submitted to the System Operatorby the User.

C. Security

"Idram" Limited Liability Company secures its User’s personal information recorded in the System from unauthorized access, use, and/or disclosure. The User’s personal information and all monetary transactions are secured using Secure Socket Layer (SSL) technology with high security 128bit encryption, which provides for 100% secure flow of information from the User to the server and in the opposite direction, excluding interference by a third party.

D. Notification of Changes

In order to enhance performance of the System, "Idram" Limited Liability Company is entitled to make changes to this Confidentiality Document. "Idram" Limited Liability Company undertakes to notify the User about changes in the rules and restrictions of usage of the User’s personal data by the System, at least 15 days before putting such changes into effect.

Annex 2

STATUSES OF IDRAM REGISTRATION ACCOUNTS AND THEIR DESCRIPTION

This document presents the possible statuses, characteristic features, and conditions of use of the accounts opened by the Users in "Idram" payment system.

This document is an integral part of thePublic Agreement and all words/terms used in it have the meanings defined in the Public Agreement.

Registered Account – an unidentified account, which was opened, but with which no transaction was executed. This status is maintained for a maximum of 90 / ninety / days, and after 90 / ninety / days it becomes a Terminated Account.

Active Accoun – an account, with which at least one transaction was executed over the last 365 /three hundred sixty-five/ days. One year after the date of the executed transaction, this status becomes a Terminated Account.

Blocked Account – an account automatically blocked by "Idram" IPS after numerous entries of incorrect personal data by the User or by the User's request. A Blocked Account can be restored in case of proper identification of the User. In case of being blocked for a year, the account automatically acquires a Terminated status.

Banned Account – an account blocked by the employee of "Idram" IPS's Monitoring Center, in case of identifying suspicious transactions specified by the legislation of the RA and the regulation of "Idram" LLC. The account remains in this status until obtaining the necessary clarification for the suspicious transaction. In the presence of relevant information, the employee of the Monitoring Center is entitled to change the status of the account. After remaining in the banned status for a year, the Account automatically acquires a Terminated status. The balance of the account with this status is refundable to the User only in the absence of a seizure claim for this amount made by the relevant authorities.

Terminated Account – an account with which no transaction was executed over the last one year. The account is archived and after four years it is removed from the system. In the event of availability of a prepayment on the Terminated Account, the System Operator warns the User about the change of the account status and the possibility to get the prepayment, within five working days following the change of the account status.

Starting from the moment of redemption by the System Operator of the User’s prepayment balance to the User, the User’s prepayment balance is considered repaid to the latter by the System Operator. In case of impossibility to repay the prepayment amount, the System Operator shall be guided by the legislation of the RA, in particular – by Resolution No. 19-N-2052-N of the Government of the RA, adopted in December 2002. An account with this status cannot be restored.

Annex 3

PROCEDURE AND CONDITIONS FOR USER IDENTIFICATIO

This document is an integral part of the Public Agreement and all words/terms used in it have the meanings defined in the Public Agreement.

Two statuses are set for the identified User at "Idram" IPS - Premium and Premium Plus.

Premium User

Premium status is set for Users identified in the System with a banking card.

In order to attach the banking card to the Registration Account and to pass the identification, the following is required:

  • A card issued by an Armenian bank, connected to “3D Secure” safety system.
  • Minimum available balance of AMD 500 /five hundred/ on the card account.

In the System interface, the User fills out his/her credit card data, which are stored in ArCa system. To complete the process of attaching the card, the amount of AMD 500 /five hundred/ is transferred from the attached banking card account to the User’s Registration Account. The process of attaching the banking card is considered to be the User authentication process, which also sets the User’s Premium status.

Users with the premium status can make partial use of the services available in the System, according to the rules defined by the System.

Premium Plus User

Premium status is set for Users identified in the System with a passport or an identification card.

During the process of identification, the Users shall provide the System Operator with the following information and copies of the following documents:

For private individual Users

The User’s name, surname, passport/ID card series, number, date and place of issue, residence address, phone numbers, e-mail address.

For legal entity Users:

The User's full name, organizational-legal type, TIN, actual address of activities, the reference regarding the User issued by the State Register of Legal Entities of the Ministry of Justice of the RA, the position held by the authorized manager, a document certifying the competence of the authorized person, the latter’s name and surname. In order to check the authenticity of the submitted information, the System Operator is entitled to request from legal entities a document in writing signed by the authorized person and sealed.

For private entrepreneur Users:

The User’s name, surname, passport, the reference regarding the private entrepreneur issued by the State Register of Legal Entities of the Ministry of Justice of the RA, a document certifying the competence of the authorized person, the TIN, the business and residence addresses, and phone numbers.

In order to pass the identification process, a private individual User, citizen of the RA, shall visit any branch or service center of the System Operator.

Identification of Users who are not citizens of the RA, as well as that of legal entity residents of the RA and private entrepreneur residents of the RA is possible only in the head office of the System Operator.

Users with the Premium plus status can make use of all services available in the System.

“IDRAM” Limited Liability Company
48/1 Nalbandyan Str., 0010, Yerevan, Republic of Armenia
TIN: 02588245
Website: www.idram.amm
Tel.: +374 60 700 700

Utility payments: October
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Notification from Idram
Users who have registered their e-mail address in Idram Payment System will now receive emails when initiating a number of actions. Notifications will be sent by Idram if the user makes: Password recovery/change, PIN-code recovery/change, Verified mobile number recovery/change, Transaction Cancellation, E-mail a...