Draft

Terms of use

Version of 2026-09-17.

1. Scope

These terms are an agreement between you and KOMETA Ltd. (BIN 260740900420) governing the use of theKMeta mobile app and kmeta.kz (the "Service"). By installing the app and signing in with your phone number you accept them.

2. What the Service is

The Service combines a showcase of partner venues with offers and cashback, QR payments, a cabinet for creators and access to the partner bank's services. Banking services (account opening, card issuance, payments and transfers) are provided by Halyk Bank of Kazakhstan JSC under a separate agreement between you and the bank, concluded in the bank's module inside the app. The Company is not a bank and provides no financial services.

3. Account

• The account is tied to a phone number; sign-in is confirmed with a one-time SMS code.
• You are responsible for access to your device and number. Tell us if you suspect someone else is using the account.
• The Service is for adults (18+).
• You may delete the account at any time: how to delete.

4. Cashback and offers

Each offer's terms (amount, period, limits) are set by the partner venue and published in the app. Rewards are credited on confirmed card transactions. The Company may reverse a reward on refund or breach of the offer's terms.

5. Creator cabinet

Creators approved by the Company may apply to collaborate with venues. Reward terms are set by the venue and accepted by the creator in the application. Payouts follow the arrangement with the venue; the Company provides accounting and does not guarantee income.

6. Prohibited

• Fraud, circumventing offer terms, automated access.
• Reviews that break the law or others' rights.
• Interfering with the app, the bank's module or the Company's infrastructure.

7. Liability

The Service is provided "as is". The Company is not liable for the acts of the partner bank or venues, connectivity outages or indirect losses. The Company's liability is limited to rewards not paid through its fault. Nothing here limits consumer rights under the law of the Republic of Kazakhstan.

8. Personal data

Processing is described in the Privacy policy, which forms part of these terms.

9. Changes and termination

We may change these terms by publishing a dated version; material changes are announced in the app. The Company may suspend access on breach. You may stop using the Service by deleting the account.

10. Governing law

The law of the Republic of Kazakhstan applies, together with AIFC acts as far as they concern the Company. Disputes are settled by negotiation and otherwise in the court at the Company's seat, unless consumer protection law provides otherwise.

11. Contact

KOMETA Ltd., 55/23 Mangilik El Ave., block 4.4, office 334, Yesil district, Astana 010017, Republic of Kazakhstan. Email: support@kmeta.kz.