Privacy.

Nous ("we") provides software that merchants in Uzbekistan use to assess installment buyers and administer installment plans. We are a software provider, not a bank, a lender or a credit bureau. Contact us at hello@nous.uz.

Two groups of people appear in this policy: the merchants who use Nous, and the buyers whose installment plans merchants administer through Nous. For buyer data, the merchant is the party that collects consent at the counter; we process that data on the merchant's instructions and for the purposes described here.

From merchants: name, business name and address, phone number, email, the users they add, and records of their activity inside the product.

From buyers, provided by the merchant at the point of sale with the buyer's consent: name, PINFL and passport details, phone number, address, the plan's commercial terms, scans of identity documents, the signed contract, and the payment record for that plan over its life.

Generated by us: the risk score and the factors behind it, reminder delivery records, and the aggregate repayment statistics described below.

To run the service the merchant asked for: scoring a buyer, generating a schedule and contract, sending reminders, recording payments, and reporting on the portfolio.

To calculate exposure across the Nous network, so a merchant can see that a buyer already carries plans elsewhere before extending another one. This is the core safety function of the product.

To keep the service secure and working, to meet our legal obligations, and to improve our scoring models using de-identified, aggregated data only.

Merchants never see another merchant's customer records, contract terms, prices or margins.

What a merchant sees when checking a buyer is aggregate: how many active installment plans that buyer holds across the network, how many distinct merchants hold them, the buyer's repayment behaviour expressed as rates and delay counts, and the resulting score and recommended limits.

A buyer consents to this check at the counter before it is run. A buyer may ask us for a copy of what the network holds about them, and may dispute an entry; we will investigate with the merchant that reported it and correct what is wrong.

Service providers who help us operate: hosting, SMS delivery (Eskiz), Telegram message delivery, and payment providers (Click, Payme, Uzum) when a buyer chooses to pay through a Nous link. They receive only what they need for that task.

Authorities, where a law of Uzbekistan requires it and we are satisfied the request is lawful.

A successor, if the business is sold or merged. We will tell merchants before that happens.

We do not sell personal data, and we do not share it for advertising.

Plan and payment records are kept for the life of the plan and for the retention period required of commercial and accounting records in Uzbekistan. Identity document scans are kept for as long as the plan is active plus that same statutory period, then deleted.

Merchant account data is deleted within 90 days of an account closing, except where we must keep it longer for tax or legal reasons.

You can ask us what we hold about you, ask for it to be corrected, ask for it to be deleted where no law requires us to keep it, and withdraw a consent you gave. Withdrawing consent for a check does not undo a plan already signed.

Write to hello@nous.uz and we will respond within 30 days. If you are a buyer, we may need to involve the merchant that holds your plan in order to answer.

Data is encrypted in transit and at rest. Access inside Nous is limited to the people who need it, and every access to a customer record is logged.

We process and store personal data of Uzbek residents in accordance with the Law of the Republic of Uzbekistan on Personal Data, including its localisation requirements. Where a processor sits outside Uzbekistan, we use it only where that law permits.

If we change this policy in a way that matters, we will tell merchants in the product before the change takes effect, and update the date at the top of this page.