User agreement

of the website “Stop-Piramida.kz”

 

This User Agreement (hereinafter referred to as the “Agreement”) governs the relationship between the Public Foundation “Financial Culture of Kazakhstan”, BIN 211140008252 (hereinafter referred to as the “Operator”), and any person using the website https://stop-piramida.kz/ and its related services (hereinafter referred to as the “User”).

This Agreement has been developed in accordance with the Civil Code of the Republic of Kazakhstan, the Law of the Republic of Kazakhstan “On Personal Data and Their Protection”, and other regulatory legal acts.

 

Section 1. “Acceptance of Terms”

1.1. Use of the Website and/or the Services (including viewing materials, searching, submitting inquiries, using the Telegram bot, or performing other actions) constitutes full and unconditional acceptance of the terms of this Agreement (a contract of adhesion).

1.2. If the User does not agree with the terms of this Agreement, the User must cease using the Website and the Services.

1.3. The User confirms that they have reached the age of 18 and have full legal capacity. If the User is under 18 years of age, they must cease using the Website and the Services that involve the provision of personal data and/or the submission of Inquiries. If the Website is used by a person under the age of 18, responsibility for such actions shall be borne by their legal representatives.

 

Section 2. “Definitions”

2.1. Author – an individual specified on the “About Us” page of the website https://stop-piramida.kz/ at the address https://stop-piramida.kz/o-proekte/.

2.2. Website – https://stop-piramida.kz/.

2.3. Services – functionalities, tools, and materials available on the Website and in the Operator’s related channels/bots (including the Telegram bot), intended for informational and preventive purposes.

2.4. Data – materials and information, the accuracy of which is guaranteed by the User, provided by the User to the Operator in connection with the use of the Services.

2.5. Database/List – a list compiled by the Operator for informational and preventive purposes, containing projects/organizations/sellers and their associated online resources, accounts, and other identifiers, for which indicators of increased risk to Users have been identified based on open-source data and/or User inquiries and/or other verifiable information.

2.6. Indicator (risk category) – an informational label reflecting the presence of typical risk indicators (for example “Fraud Indicator”, “Financial Pyramid Indicators”, “Dropper Activity”, “Phishing”, “High Risk of Losses”, “No Mandatory License”, “Unfair Sellers” etc.).

2.7. Methodology – a separate Operator document titled “Methodology for Identifying Indicators (Risk Categories),” published on the Website. The Methodology is not part of this Agreement and is of an informational (reference) nature: it explains concepts and typical indicators. The Operator reserves the right to modify and supplement the Methodology in accordance with evolving practices, trends, and the emergence of new schemes.

2.8. Inquiry (Request) – a message sent by the User to the Operator via contact forms on the Website, the Telegram bot, or by email.

 

Section 3. “Purpose of the Website and Legal Status of Information”

3.1. The Website, the Services, and the Database are intended for informational and preventive purposes (enhancing financial, digital, and consumer literacy, and risk prevention). They are of a reference (educational) nature and aim to raise the User’s awareness of potential risks.

3.2. The Operator is not an authorized state body, does not exercise oversight or control, and does not issue official conclusions.

3.3. The data, indicator parameters (risk categories and metrics), and other materials published on the Website, the Services, and the Database are of a reference (educational) nature. All information and materials reflect typical risk indicators identified based on the analysis of open-source information, User inquiries, and other publicly available data.
Any information or reviews on the Website are of a recommendatory nature and do not confirm the commission of a crime or administrative offense, do not assess the legal qualification of actions by specific individuals, and do not constitute an official conclusion of a competent state authority.

3.4. The information on the Website is provided on an “as is” basis. The Operator does not guarantee completeness, accuracy, uninterrupted operation of the Website, or absence of errors or technical failures. The User makes decisions independently and assumes all risks when interacting with third parties.

3.5. The use of terms such as “fraud,” “financial pyramid,” “dropper activity,” and other similar designations is applied solely in the context of typical risk indicators described in the Methodology and does not imply confirmation of unlawful conduct by any specific individual.

 

Section 4. “Operator’s Rights”

4.1. The Operator has the right, at its sole discretion, to modify the structure and functionality of the Website/Services; update materials; restrict access to certain sections; suspend the operation of the Website/Services; and moderate or remove User-submitted content.

4.2. The Operator has the right to refuse to review an inquiry/request, including if it is unrelated to the Website’s subject matter, lacks sufficient data/evidence, is substantially repetitive, contains insults/threats/defamation, or violates the law or the terms of this Agreement.

4.3. The Operator has the right to restrict access to the Website/Services, suspend or terminate an account (if any), and limit interaction with the User (including blocking inquiries or communication channels) in cases of abuse of rights, spam, attempts to interfere with the operation of the Website, or gross/disrespectful behavior.

4.4. The Operator has the right to delete, hide, or edit Data if it may violate the law, the rights of third parties, contains personal data without legal grounds, is defamatory, includes threats, incites hostility, constitutes spam, or contains other unacceptable materials.

4.5. The Operator may establish additional requirements regarding the format and content of Data necessary for the review of an Inquiry.

 

Section 5. “User Rights and Obligations”

5.1. The User undertakes to use the Website lawfully and in good faith, without violating the rights of third parties and without interfering with the operation of the Website.

5.2. The User is prohibited from: (i) submitting data containing personal information of third parties without legal grounds; (ii) sending defamatory, offensive, or threatening messages; (iii) attempting unauthorized access, interfering with the operation of the Website, sending spam, or performing DDoS attacks; (iv) presenting materials from the Website as official conclusions.

5.3. The User guarantees that the data and materials provided are accurate and lawful and is responsible for their content and for any consequences of transmitting them to the Operator.

 

Section 6. “Inquiries, Corrections, and Rebuttals”

6.1. The Operator reviews inquiries within 15 (fifteen) business days, taking into account the volume and nature of the submitted materials. The Operator may request additional information to clarify the inquiry and prepare a substantiated response. In such cases, the inquiry/request is reviewed within 15 (fifteen) business days from the date the requested information is received by the Operator.

6.1.1. The procedure established in this Section 6 constitutes the primary process for handling requests for correction, clarification, supplementation, and/or rebuttal of data published in the Database and applies before submitting a claim under Section 12.

6.1.2. Inquiries under Section 6 do not constitute a “claim” within the meaning of Section 12. However, materials and correspondence under Section 6 may be used by the parties in pre-trial settlement and/or dispute resolution.

6.2. Correction of data in the Database may occur at the initiative of the Operator and/or based on a request for correction provided that verifiable evidence is available. Submission of such a request does not guarantee modification or removal of the material.

6.3. If a name, brand, logo, or photo has been used by malicious actors, or if a project/company wishes to provide clarifications, the applicant submits a request with supporting evidence (official links, registration data, licenses, documents, screenshots, substitutions, etc.). A correction request must specify the proposed correction and the applicant’s position. The Operator may publish the applicant’s position in a neutral form.

6.4. The Operator may retain an internal record of the grounds and sources (including correspondence and screenshots); however, personal data and other restricted information may not be published.

6.6. For the purpose of verifying and/or clarifying the data contained in a Correction Request, the Operator may send inquiries to third parties, including authorized state bodies of Kazakhstan and other countries, foreign organizations, intellectual property right holders, and other persons. While awaiting responses to such inquiries, the Operator’s review of the inquiry (correction request) is suspended and resumes from the date the Operator receives the response(s) or upon expiration of a reasonable response period.

 

Section 7. “Third-Party Resources and Integrations”

7.1. The Website may contain links to third-party online resources and services. The Operator does not control such resources and is not responsible for their content, functionality, or any consequences of the User’s use.

7.2. The Operator may implement technical integrations of the Database with external systems/services. Such integrations do not alter the informational and preventive nature of the published data and do not constitute official confirmation by the owners of the respective services.

 

Section 8. “Privacy Policy. Collection and Processing of Data, Personal Data”

8.1. The Operator collects and processes Users’ personal data in accordance with the legislation of the Republic of Kazakhstan on personal data.

8.2. When using the Website and/or Services, the Operator may receive and process the following categories of data:
(i) data voluntarily provided by the User when submitting an inquiry (full name, first name or nickname, contact details, content of the inquiry, attached materials); (ii) technical data regarding the use of the Website (IP address, browser/device data, cookies and similar identifiers, information about actions on the Website) — to the extent necessary for the operation and security of the Website.

8.3. By using the Website and/or Services and/or other tools on the Website, and by submitting data about themselves for using the Services and/or submitting an Inquiry, the User gives consent to the Operator to collect, process, and store personal data, including cross-border transfer, as well as transfer to authorized state bodies and other third parties for purposes specified in this Agreement.

Cross-border transfer may occur if the Operator uses infrastructure and services (hosting, analytics, email) located outside the Republic of Kazakhstan; in such cases, personal data may be transferred to foreign jurisdictions in compliance with applicable legislation.

8.4. User consent to the collection and processing of personal data may also be provided when submitting an Inquiry through forms on the Website or by other means that allow the User’s intent to be reliably established.

Consent includes permission to collect and process the following data:

• surname, first name, patronymic (if indicated in an identity document);

• duration or period for which consent to collect and process personal data is valid;

• information on whether the Operator may transfer personal data to third parties;

• information on publication of personal data in publicly available sources;

• contact details (phone number, email address);

• content of the Inquiry and attached materials;

• technical data regarding use of the Website (IP address, browser/device data, cookies and similar identifiers, actions on the Website).

Consent is valid for the period permitted by law, until the processing purposes are achieved, or until revoked by the User. If legislation of the Republic of Kazakhstan establishes requirements for the retention of personal data, consent is valid for the period specified by law.

8.5. Withdrawal of consent is carried out by the User by sending a written notice to the email address and/or WhatsApp number specified on the Operator’s Website (Section 13 of this Agreement).

The notice must contain information allowing reliable identification of the User and linking the request to previously provided personal data (including the email used, date and number of the inquiry if applicable, or other information identifying the applicant).

The Operator may request additional information or documents to verify the User’s identity.

If reliable identification is not possible, the Operator may refuse to satisfy the request until the necessary confirming information is provided.

Withdrawal of consent does not affect the lawfulness of personal data processing carried out prior to receipt of such withdrawal.

8.6. Purposes of personal data processing include: (i) receipt and review of Inquiries/requests, providing responses and feedback; (ii) ensuring operation, security, and improvement of the Website and Services; (iii) internal analytics and statistics on inquiries (including anonymized data); (iv) compliance with legal requirements and interaction with authorized bodies when legally justified; (v) other purposes specified in this Agreement.

8.7. The User confirms that personal data is provided voluntarily and is responsible for the legality of transmitting data about third parties. The User undertakes not to submit personal data of third parties without legal grounds and/or consent, if such consent is required by law.

8.8. The Operator may restrict publication of materials and not disclose sources containing personal data, private correspondence, or other restricted information, while maintaining internal records of the basis and materials of verification (research).

8.9. The Operator may transfer personal data and/or information from inquiries to authorized state bodies in accordance with the legislation of the Republic of Kazakhstan, as well as to contractors (hosting, analytics, technical support) to the extent necessary for the operation of the Website and Services, provided they maintain confidentiality.

8.10. Personal data shall be retained no longer than necessary for the purposes of processing, or for periods required by law and/or necessary to protect the Operator’s legitimate interests. After expiration of the retention period, data shall be destroyed or anonymized unless otherwise required by law.

8.11. The Operator may collect and transfer anonymized statistical data about Users and Website usage to third parties to ensure operation, security, and development of the Website and Services.

8.12. Anti-Fraud Warning. The Operator warns of the risk of third parties (malicious actors) distributing counterfeit messages/materials on behalf of the Author/Operator/Website, including the use of the Author’s image (including deepfakes) and the “Stop-Piramida.kz” logo/name. The Operator and Author do not request transfers of funds/cryptocurrency, credit applications, purchases, payment for “prizes/compensations” or access credentials (passwords, codes, seed phrases). Any such requests should be considered malicious actions by third parties. Users must notify the Operator via the contacts listed in Section 13 of this Agreement.

8.13. Users who provide false information about themselves or about another data subject without legal grounds bear responsibility in accordance with the legislation of the Republic of Kazakhstan.

8.14. Users must not submit excessive personal data or information unrelated to the purpose of the Inquiry. The Operator does not require or request special categories of personal data (including health information, religious beliefs, etc.) or biometric data. If the User voluntarily submits such data, they do so at their own initiative and are responsible for the legality of its transmission.

8.15. The Operator implements necessary legal, organizational, and technical measures to protect personal data from unlawful and/or unauthorized access, destruction, alteration, blocking, copying, provision, dissemination, or other unlawful actions. Measures may include: access restrictions, access control to information systems, use of secure data transmission protocols (e.g., HTTPS), backup procedures, organizational measures, and staff training.

 

Section 9. “Intellectual Property”

9.1. Unless otherwise indicated, rights to the materials on the Website (texts, design, databases, structure, selection of materials, Methodology, audio-video materials, and other objects) belong to the rights holders and/or are used by the Operator on legal grounds.

9.2. Copying and distribution of materials are allowed only with mandatory attribution and an active hyperlink to the Website, unless otherwise prohibited by law and/or the rights holder.

9.3. The User is prohibited from copying, extracting, collecting, or scraping data from the Website, reproducing, or distributing materials from the Website and the Database without the prior written consent of the Operator, except as expressly permitted by law.

 

Section 10. “Limitation of Liability”

10.1. Unless otherwise provided by law, the Operator shall not be liable for the User’s decisions or any losses/damages arising from the use or inability to use the Website, or from the User’s interactions with third parties.

10.2. The Website may contain links to third-party websites, materials (reviews, comments, publications, social media posts), and third-party services. The Operator does not control such resources and is not responsible for their availability, content, security, or any consequences of the User’s use, unless otherwise required by law. Relations between the User and third parties are governed by agreements with the respective third parties.

 

Section 11. “Amendments to the Agreement and Methodology”

11.1. The Operator may amend this Agreement by publishing a new version on the Website. The new version takes effect upon publication, unless a different effective date is specified. Continued use of the Website constitutes the User’s acceptance of the new version.

11.2. The Methodology for identifying indicators is a separate reference document and may be amended or supplemented. The current version of the Methodology is published on the Website with the publication date indicated.

11.3. Users are encouraged to periodically check the current versions of the Agreement and Methodology on the Website.

 

Section 12. “Governing Law and Dispute Resolution”

12.1. The governing law shall be the law of the Republic of Kazakhstan.

12.2. Claims and demands related to the placement (content) of information in the Database are subject to mandatory pre-trial settlement. Before submitting a claim, the applicant must follow the procedure for correction, clarification, and/or rebuttal as provided in Section 6 of this Agreement and provide supporting evidence. The pre-trial procedure is considered fulfilled once the applicant receives the Operator’s substantive response or after the review period specified in clause 6.1 has expired.

12.3. Claims and demands referred to in clause 12.2 of this Agreement must be submitted by the applicant to the Operator’s email address or WhatsApp number specified in Section 13 of this Agreement. Filing a court action is permitted only after complying with this procedure.

12.4. Other claims/demands related to this Agreement and its performance must be submitted to the Operator’s email or WhatsApp number with supporting materials attached. Filing a court claim is allowed only after completing the pre-trial procedure.

12.5. Disputes not resolved through negotiation shall be adjudicated in the court at the location of the Operator, unless otherwise required by law.

12.6. This Agreement is published on the Website in three languages: Kazakh, Russian, and English.

 

Section 13. “Contacts”

Email for inquiries: info@stop-piramida.kz
Telegram bot (if available): https://t.me/stop_piramida_kz_bot
WhatsApp: +7 707 477 1717
Address: Republic of Kazakhstan, Astana, 12/1 Kunaev Street

Effective date: “__” ____________ 2026