Details of a credit intermediary acting as a credit agent:
NOVA POST LIMITED LIABILITY COMPANY; 103 Stolychne Shosse, building 1, floor 9, Kyiv, 03026, Ukraine; USREOU code: 31316718.

Name of the lender on whose behalf the credit intermediary acts:
NovaPay Credit LIMITED LIABILITY COMPANY.

A list of services offered by a credit intermediary:

• Informing/consulting the Clients on the terms and conditions of the Credit, the terms and conditions of the Credit Products, including providing full details of the credit terms and conditions, other mandatory information to the extent required by the legislation of Ukraine;
• Informing the Lender about the Client's intention to apply for a Credit and providing all the necessary information according to the Lender's credit policy to make a decision on granting/refusing to grant a Credit;
• Informing the Client about the decision made on the possibility of granting the Credit.

Consideration (commission fee) or other charge for credit intermediary services: provision of credit intermediary services to Clients is not charged.

Information on protection mechanisms for consumers of financial services
Clients of NovaPay Credit LLC are entitled to all the mechanisms for protecting the rights of consumers of financial services stipulated by the legislation of Ukraine and set by practice, including through:

• Pre-trial conference.
  The consumer may contact NovaPay Credit LLC with complaints, observations, claims, and statements regarding financial services.
  Complaints from consumers of financial services are accepted:
  – at the postal address: 103 Stolychne Shosse, building 1, floor 13, office 1307, Kyiv, 03026;
  – by email at office@novapay.ua;
  – by phone 0 800 30 79 30 on business days (except Saturdays and Sundays), working hours: from 9 a.m. to 6 p.m;
  – using the "Questions to NovaPay Credit" form (by selecting the "Complaint" subject of the inquiry) in the "Write to us" section of the financial institution's website.
  More details by following the link
• Application to the authorized state authorities for protection
  of violated rights.
  State regulation of financial services markets regarding non-banking financial services is carried out by the National Bank of Ukraine. The "Enquiries from Citizens" section of the NBU's official website is available at https://bank.gov.ua/ua/contacts.
• Application to the court as prescribed by applicable law.
  The consumer is entitled to apply to the court to protect his or her violated, unrecognized, or disputed rights, freedoms, or legitimate interests. The right to judicial protection may be exercised by filing lawsuits in court in Ukraine according to the legislation of Ukraine and the relevant agreement concluded between the Consumer and NovaPay Credit LLC.

At the Nova Post branch:

To get a shipment on credit, you need a payment on delivery shipment ranging from 1,000 UAH to the amount specified in your personal credit limit.
You need the originals of your passport with a residence registration and TIN certificate or the same documents in the Diia app. Please note that both documents must be of the same type: either originals or in the Diia app.
You need the phone number the shipment was ordered to. You will receive a message with a password to sign documents electronically.
Your consent to check your credit history will also be required.

At the NovaPay app:

To register a shipment on credit, you need a payment on delivery shipment ranging from 500 UAH to the amount specified in your personal credit limit.
Install the NovaPay mobile application on your phone, register in it and open an account with NovaPay LLC.
Switch to the "Credits" tab at the bottom of the screen and click "Select Shipment". Or you can go to the shipments menu (EWs). Select the desired shipment worth over 500 UAH to get a credit.
Review the credit terms and conditions and click "Get a Credit". Read the credit documents and click "Sign".
You will receive a message on your phone with a password to sign documents electronically. Enter the received password in the app.
Once you see the message on the screen informing you of the successful credit approval, you can pick up the shipment at the branch or shipment locker.

Yes, when applying for credit at the Nova Post branch, you must authorize NovaPay Credit to receive your credit history. We strive to assist customers with a positive business reputation and no outstanding financial liabilities.

We likely lack sufficient data to determine your credit limit. The credit limit is estimated automatically based on the number and value of the payment on delivery orders you have received from Nova Post over the past 6 months, your credit history, monthly income, and other factors affecting your ability to pay.
If you are unable to get a shipment on credit right now, check your credit limit in 1 month.

Yes, of course. You can repay the credit in full ahead of schedule with no additional fees and interest by paying only the current month's credit fee.
When making a cash payment in a branch worth 5,000 ₴, bring your passport and show it to the operator.

If you pay an amount in excess of the scheduled payment, the excess will be applied to repay the principal (body) of the credit.
As the total debt is reduced, we will adjust the payment schedule. All subsequent payments will be evenly decreased. The credit term will remain the same.
You can print out the updated payment schedule at any Nova Post branch.

To repay your credit ahead of schedule:

1. 1
   Check the amount you owe to make a full repayment. You can do this in the NovaPay mobile app, the Nova Post mobile app, any Nova Post branch, or the contact center by calling
   0 800 30 79 30.
2. 2
   Pay this amount wherever it is convenient for you: in the NovaPay mobile app, the Nova Post mobile app, at the branch, bank, or other financial institution to the details. When making a cash payment in a branch worth 5,000 ₴, bring your passport and show it to the operator.

In case of full repayment, only interest for the actual number of installment days (0.00001% per annum) and a credit granting fee of 3.5% of the borrowed amount for each month are charged.
There are no additional fees or penalties for paying ahead of schedule.

We express our sincere gratitude to everyone who took up arms to defend Ukraine.

Military borrowers are exempt from paying interest on their credits. They are also exempt from fines and penalties for late repayment of the credit.
These allowances are stipulated by the law "On Social and Legal Protection of Military Personnel and Members of Their Families."

To get the allowance, the borrower or their close relatives must declare military service and provide documents to prove it:

• A military registration card, in which service marks are made in the relevant sections;
• Or a conscription certificate issued by a military enlistment office or military unit;
• An extract from the order or a certificate of enrollment in the military unit for reservists.

You can report it in any way convenient for you:

• To the E-mail at mobilized-kredit@novapay.ua
• By mail to 103, Stolychne Shosse, Kyiv, 03026, building 1, 13th floor, office 1307
• By phone at 0 800 30 79 30

Please specify the borrower's name and TIN, as well as the credit agreement number.

You can check the amount of debt, the amount and date of the next payment, and other information about the credit:

• In the NovaPay mobile app. To do so, go to the "Credits" tab at the bottom of the screen. Select the one you need from the list and go to the credit details. Here you'll see the amount owed, the amount and status of the current payment, and the date it's to be paid.
• In the Nova Post mobile app. To do so, open your account in the app, select the "Shipment on Credit" tab, and then go to "Current Credits".
• In the Nova Post branch or by calling the contact center at 0 800 30 79 30 to check the amount to be paid in full, the amount of the current payment, and the existing debt.

When visiting a branch, please provide your passport or other ID document. You can confirm your identity with a paper passport, ID card, or the Diia mobile app. Find more details on the Verification page.
To call the contact center, use the phone number to which the credit was registered.

For security reasons, we disclose credit information only to the person who applied for the credit.

Yes, of course. Please call the contact center at 0 800 30 79 30 and fill out an application.
To call the contact center, use the phone number to which the credit was registered.