Contact Center: +7 (727) 259 69 00

General Information on This Site

The information in this Site is based on JSC “Altyn Bank” (SB of JSC “Halyk Bank”) (the “Bank” or “Altyn Bank”) understanding of the current law and practice at the time of going to press. Future changes in legislation, tax levels and practice could affect the information in this site.

This information is not intended to provide professional advice and should not be relied upon in that regard. Persons accessing these pages are advised to obtain appropriate professional advice where necessary. In some cases, information provided on this website has been obtained from other sources and while Altyn Bank and its subsidiaries endeavour to maintain the accuracy of all information, it makes no representation or warranty as to the accuracy of this information and cannot be held responsible for errors or omissions. Persons accessing these pages are advised to obtain proper legal, accounting, tax or investment advice where necessary.

The information in this website is not and should not be construed as an offer to sell or the solicitation of an offer to purchase or subscribe for any securities, financial instruments or services. The information is obtained from sources believed to be reliable but which has not been independently verified; no guarantee, representation or warranty is made and no responsibility or liability as to its accuracy or completeness is accepted.

Altyn Bank and its affiliates and/or their officers, directors and employees may own or have positions in any securities mentioned in this website (or in any related investment) and may from time to time add to or dispose of any such securities (or investment). Altyn Bank and its affiliates may act as market maker or have assumed an underlying position in the securities of companies discussed in this website (or in any related investment) and may sell them to or buy them from customers on a principal basis and may also perform or seek to perform investment banking or underwriting services for or relating to those companies.

Further information and written details about our products and services are available from the Bank’s office at 43 Dostyk Ave, 050010, Almaty, Republic of Kazakhstan.

This site is not intended for persons located or resident in jurisdictions that restrict the distribution of information by us. Those people accessing these pages are required to inform themselves about and observe any relevant restrictions.

Website Terms and Conditions

Please read the details set out below carefully before using this website (the "Site"). By accessing this Site, you agree to be bound by the following terms and conditions and disclaimers (the “Terms”).

References to 'you', 'your' and 'yours' are references to the person(s) accessing the Site. References to 'we', 'us' and 'our' are references to Altyn Bank.

Terms

All our products and services are subject to the terms and conditions and disclaimers of the applicable agreement governing their use.

These Terms are to be read by you together with any terms, conditions and disclaimers provided in the pages of the Site. In the event of any conflict, the terms, conditions and disclaimers provided in the pages of the Site shall prevail over these Terms.

The information, material and content provided in the pages of the Site may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly and your continued access to or use of the Site will mean that you agree to any changes.

No Offer

Neither the information, nor any opinion contained in our Site constitutes an offer to sell or solicitation or an offer to buy any securities or financial instruments or services or any advice or recommendation with respect to such securities or other financial instruments or services.

Users

The Site is currently intended for those who access it from within the Republic of Kazakhstan. Because of this we cannot guarantee that the Site or the information thereon complies with or is appropriate for use in other places.

You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms.

No Warranties

The following clauses exclude or limit our legal liability for the Site. You should read them carefully. They all apply only as far as the law permits, and in particular we do not exclude or restrict our duties and liabilities to you.

Whilst we have taken reasonable steps to ensure the accuracy, currency, availability, correctness and completeness of the information contained on the Site, information is provided on an "as is", "as available" basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Site is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the Site to the maximum extent permitted by law.

We do not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.

Third Party Sites and Warranties

Where we provide hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any other websites or pages linked to or linking to this Site. We have not verified the content of any such websites. Following links to any other websites or pages shall be at your own risk and we shall not be responsible or liable for any damages or in other way in connection with linking. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our Site.

Internet Email

Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to the Bank or any message sent by the Bank to you over the Internet.

Trade Marks and Copyright

Copyright in the pages screens, information and material in their arrangement included in this Site is owned by or licensed to the Bank unless otherwise noted. You may imprint, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you first get our written permission. In particular no one may use a part of our Site on any other website, or link any other website to our Site, without our prior written permission.

Data Protection

We may as a result of your interaction with the Site hold and process personal information obtained about you when you access the Site and use it for making lending decisions and servicing our relationship with you, for the purposes of fraud prevention and debt collection, to understand your financial needs, to conduct our business and to provide you with better customer services and products from both within the Bank, Halyk Group and those of selected third parties, to evaluate the effectiveness of our marketing of the Site and for statistical analysis. We may pass this information to other members of Halyk Group or agents, as permitted by law so that they may do the same and they may pass information held by them about you to us so that we may do the same. We will not disclose any such information outside of the Bank except for fraud prevention purposes and/or if required/obliged by law or Governmental or judicial bodies or agencies or to our regulators under proper authority, or under a strict code of secrecy to sub-contractors or persons acting as our, Halyk Group’s, agents or where we have your consent or have previously informed you.

All personal data wherever it is held by the Bank or by its sub-contractors or agents will be afforded a high level of protection against any authorised or accidental disclosure, access or deletion. By agreeing to these Terms you agree to such data being so used and that it may be transmitted to others as stated above.

Altyn Bank collects and processes personal data of its clients. This client personal data is collected and processed for the purpose of performing activities within the confines of the law of the Republic of Kazakhstan.

Governing Law

The Terms are governed by and interpreted in accordance with the laws of the Republic of Kazakhstan.

Our Information

Full name of the Bank:

Joint Stock Company «Altyn Bank» (Subsidiary bank of JSC «Halyk Bank»)

Address: 43 Dostyk Ave, 050010, Almaty, Republic of Kazakhstan.