In-App Only:

1. GEO: Kazakhstan
   Legal Name: LLP "MFO Robocash.kz"
   Website link: https://zaimer.kz/
   Target Action: Loan issuance to a new customer
   PostClick cookie: 30 days; Average hold: 30 days.

   Offer Overview:

   • Loan amount: from 10,000 to 250,000 KZT;
   • Loan term: from 7 to 30 days;
   • Interest rate for new clients: starting from 0.01% (APR 0.12%).

   Borrower Requirements:

   • Age: from 18 to 75 years old (inclusive);
   • Citizenship: Republic of Kazakhstan with a valid ID;
   • Active mobile phone number and email address;
   • Stable income.

   Ways to receive funds:

   • To a bank card (24/7, within 10 minutes);
   • Transfer to a bank account (from 20 minutes to 3 business days);
   • Cash (at branches).

   Ways to repay:

   • By bank card in your personal account;
   • In any bank branch via bank transfer to a bank account;
   • Kassa 24, Qiwi, Yurta, Paydala;
   • In cash (at branches);
   • Halyk mobile app.

   Additional options:

   • First microloan with a rate starting from 0.01% per annum (APR not exceeding 56% per annum);
   • Early loan repayment;
   • Refinancing service to avoid overdue payments.

   Client Benefits:

   • Online microloans are available to you 24/7, 365 days a year;
   • Ability to apply for a microloan online and receive cash at distribution points in Astana, Almaty, Karaganda, Temirtau, Semey, Taraz, Pavlodar, and other localities. The time from application to receiving money is 15 minutes;
   • Ability to apply for a microloan anywhere in Kazakhstan;
   • Modern technological solutions, highly qualified specialists, a contact center operating 24/7;
   • Loyalty programs, promo codes, regular promotions;
   • No collateral or guarantor required.

   Allowed traffic types:

   • SMS mailings (by agreement);
   • Email mailings;
   • Showcase websites;
   • Contextual advertising;
   • SEO traffic;
   • Display ads on the network:
     • Banners;
     • Video ads;
     • Text-graphic blocks.
   • Public page, group, community, social media ads;
   • Targeted ads;
   • Push notifications;
   • ClickUnder;
   • PopUnder;
   • Teaser networks;
   • Hypercontextual advertising;
   • Rebrokeering/Broker traffic;
   • Retargeting;
   • Apps and games (except web-view);
   • Influencer marketing (by agreement).

    

   Requirements for showcases and creatives:

   • According to the legislation of Kazakhstan and advertising law, advertising materials containing the words and phrases: “Loan,” “Microloans,” or “Credits” are prohibited. Acceptable alternative: “Microcredit.”
   • The APR (starting from 0.12%) must be indicated.
   • If you mention the "%" sign in the visuals, the APR should be indicated with the same font (color, size) as well (in cases where 0.01% is mentioned, APR 0.12% should also be indicated).
   • It is mandatory to include the license number in the advertising materials. License number: АРРФР(ҚНРДА) № 02.21.0032.М.
   • Add a disclaimer to all creatives with the text: "For new clients 0.01%, APR 0.12% / New clients 0.01%, APR 0.12%, License АРРФР(ҚНРДА) № 02.21.0032.М."

   Requirements for SMS or email campaigns:
   Due to negative feedback from customers who received SMS or email campaigns with promises or guarantees of loan approval from Zaimer.kz, please adhere to the following guidelines when sending SMS and email campaigns:

   • Do not state that a client has already been approved for a loan from Zaimer.kz.
   • Do not guarantee loan issuance on behalf of Zaimer.kz.
   • Do not claim that it is necessary to confirm a money transfer to the client's card/account from Zaimer.kz.
   • You can mention the possibility/availability of receiving a sum from 10,000 to 250,000 KZT, but without any guarantee of approval.

   Also, avoid the following formulations regarding tariffs and promotions for zero-interest microloans:

   • Prohibited: “Free microloan”; “Microloan at 0%”; “100% discount on a microloan.”
   • Allowed: “Microloan with no extra charges”; “Microloan at 0.01%”; “Microloan with a 99.99% discount” (based on promotion conditions).

    

   These keywords must be used in broad match.

2. Intermediate target actions are available but not paid. We can share the registration data.

3. Entire Kazakhstan, no exceptions.

4. Loan issuance to a new client - signContractFirst, Registration - EmploymentData - intermediate, not paid.

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