Terms of service.

These terms govern a merchant's use of Nous: the web application at nous.uz, its counter screens, its API and anything we deliver with them. By using Nous you accept them on behalf of your business.

Nous is software. We help you assess a buyer, structure a plan, produce a contract, send reminders and record payments.

Nous does not lend money, does not issue credit, does not take your receivables onto its balance sheet, does not guarantee any payment, and does not act as a collection agency. The commercial relationship in every installment plan is between you and your buyer. The capital at risk is yours.

The Nous score, the recommended maximum ticket and the recommended minimum down payment are informational outputs calculated from incomplete data. They are not a guarantee that a buyer will pay.

You decide whether to sell, on what terms, and to whom. You remain responsible for that decision and for complying with the law that applies to your sales.

Collect each buyer's consent before running a check, using the consent text we provide or your own equivalent, and keep a record of it.

Give us accurate information about plans and payments. The network's value to every merchant, you included, depends on merchants reporting outcomes honestly. Deliberately false reporting is grounds for us to close your account.

Keep your users' credentials secure, remove users who leave, and tell us promptly if you suspect an account has been compromised.

Do not use Nous to check a person who is not an actual or prospective buyer of yours, and do not use the network data for any purpose other than deciding and administering your own installment plans.

Subscription fees are charged monthly or annually in advance in Uzbek som. Usage fees are charged monthly in arrears. Those are checks beyond your quota, SMS, and the collection fee on payments routed through Nous links.

We may change prices with 30 days' notice. If you do not accept a change you may cancel before it takes effect; we will refund the unused part of a prepaid term.

Your customer records, plans, contracts and payment history remain yours. You can export all of it, at any time, including after you cancel.

You grant us the right to use the plan outcomes you report to calculate network exposure and to improve our models. Aggregate and de-identified statistics derived from that are ours. We do not disclose your customer records, prices or margins to other merchants.

We work to keep Nous available and will tell you in advance about planned maintenance. We do not promise uninterrupted service. Reminders depend on Telegram, SMS carriers and payment providers we do not control.

Keep your own record of anything your business cannot afford to lose, and export regularly.

To the extent the law allows, we are not liable for lost profit, lost revenue, buyer default, or any indirect or consequential loss. Our total liability in any 12-month period is limited to the fees you paid us in that period.

Nothing here limits liability that cannot be limited under the law of Uzbekistan.

You can cancel at any time from your account; the subscription runs to the end of the paid term. We can suspend or close an account that breaches these terms, and will explain why.

Your data stays available for export for 90 days after an account closes.

These terms are governed by the law of the Republic of Uzbekistan. We will try to resolve any dispute by talking first; if that fails, the courts of Tashkent have jurisdiction.

Questions about these terms: hello@nous.uz.