Terms and Conditions

LLC MDO “Payvand Group”


These Terms and Conditions ("Agreement") govern your use of the financial services provided by LLC MDO Payvand Group, including our wallet, card, debit deposit, and all banking solutions(collectively, the "Services"). By using our Services, you accept and agree to be bound by this Agreement. If you do not agree to this Agreement, you may not use our Services.


You must be at least 18 years old and a resident of Tajikistan to use our Services. By using our Services, you represent and warrant that you meet these eligibility requirements.

Account Creation

To use our Services, you must create an account with us. You agree to provide accurate, complete, and up-to-date information during the account creation process. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.


We may charge fees for certain Services, as described in our fee schedule. By using our Services, you agree to pay all applicable fees. We reserve the right to change our fee schedule at any time.


We take your privacy seriously and we are committed to protecting your personal information. Our Privacy Policy explains how we collect, use, and disclose your personal information. By using our Services, you agree to the terms of our Privacy Policy.

Limitation of Liability

We are not responsible for any damages, whether direct, indirect, incidental, or consequential, arising out of or in connection with your use of our Services. Our liability to you is limited to the amount of fees paid by you to us in the twelve (12) months preceding the event giving rise to the liability.

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of Tajikistan, without giving effect to any choice of law or conflict of law provisions.


We may modify this Agreement at any time by posting the modified terms on our website. Your continued use of our Services after the posting of the modified terms constitutes your acceptance of the modified terms.


We may terminate this Agreement at any time, with or without cause, by giving you notice. Upon termination, you must immediately cease all use of our Services.

Contact Us

If you have any questions or concerns about our Services or this Agreement, please contact us at info@payvand.tj.

Entire Agreement

This Agreement constitutes the entire agreement between you and us with respect to the subject matter hereof and supersedes all prior agreements and understandings, whether written or oral, relating to the subject matter hereof.