dagrovebiTi programa Membership RewardsSM momsaxurebis pirobebi American Express Business ბარათებისათვის winamdebare dokumenti aRwers ss “saqarTvelos bankis” mier (SemdgomSi – banki) Membership Rewards dagrovebiTi programis (SemdgomSi – programa) momsaxurebis pirobebs. SM 1. gamoyenebuli terminebi 1.1. klienti – nebismieri iuridiuli piri, romlis mier dasaxelebul fizikur pirs (SemdgomSi – baraTis mflobeli) bankma gadasca American Express Green Business an/da American Express Gold Business ZiriTadi baraTi, imis gaTvaliwinebiT, rom baraTis mesakuTres warmoadgens klienti. 1.2. baraTi – bankis mier damzadebuli American Express Green Business an/da American Express Gold Business baraTi. 1.2.1. ZiriTadi baraTi – bankis mier klientis saxelze damzadebuli da baraTis mflobelis mflobelobaSi arsebuli American Express Green Business an/da American Express Gold Business ZiriTadi baraTi. 1.2.2. damatebiTi baraTi – bankis mier klientis saxelze damzadebuli da baraTis mflobelis mflobelobaSi arsebuli Visa Classic an/da MasterCard Standart baraTi. SM 1.3. Membership Rewards qula (SemdgomSi - qula) – pirobiTi erTeuli, romelsac banki programis SM farglebSi uricxavs klients Membership Rewards angariSze. SM 1.4. Membership Rewards angariSi – sabanko informaciul sistemaSi klientis saxelze gaxsnili SM arasabnko angariSi, romelzec xdeba qulebis aRricxva. amasTan, Membership Rewards angariSis gaxsna SeuZlia mxolod klients da ara baraTis mflobels. 1.5. saCuqari – qulebis sanacvlod programaSi gawevrianebuli klientisaTvis xelmisawvdomi saCuqari. 1.6. saCuqris nominaluri Rirebuleba – saCuqris nominaluri Rirebuleba qulebSi, romelsac banki gansazRvravs yoveli konkretuli saCuqrisTvis. 1.7. katalogi – bankis mier Sedgenili saCuqrebis CamonaTvali, romelTa miRebac klients SeuZlia qulebis sanacvlod. 1.8. gadaxdis operacia – savaWro da momsaxurebis obieqtebSi baraTiT Catarebuli operacia, romlis drosac baraTis mflobelma klientis davalebiT SeiZina nivTi da/an momsaxureba. 1.9. ganaRdebis operacia – bankis bankomatis meSveobiT baraTiT Catarebuli ganaRdebis operacia. 1.10. vauCeri – bankis mier gacemuli dokumenti, romelic saSualebas aZlevs klients miiRos vauCerze miTiTebuli saCuqari. 1.11. promo aqcia – bankis mier organizebuli wamaxalisebeli aqcia, romlis drosac moqmedebs bankis mier gansazRvruli SeRavaT(eb)i, gaicema damatebiTi qulebi da/an saCuqrebi. 1.12. sakredito baraTis amonaweri – dokumenti, sadac miTiTebulia yovelTviurad dasafari minimaluri gadasaxadi, misi gadaxdis TariRi da informacia Catarebuli operaciebis Sesaxeb. 1.13. vadagadacilebuli davalianeba – klientis davalianeba bankis winaSe, romelic ar aris dafaruli baraTiT momsaxurebis ZiriTad pirobebSi gaTvaliswinebul vadebSi. 2. programis zogadi aRwera 2.1. programis farglebSi banki saSualebas aZlevs klients daagrovos qulebi gadaxdis da ganaRdebis operaciebis Catarebisas, sadac mas ufleba eqneba am qulebis gamoyenebiT miiRos misTvis sasurveli saCuqari. 2.2. gadaxdis da ganaRdebis operaciebi, daricxuli qulebis odenoba, saCuqris SekveTis da miRebis wesebi da programis sxva pirobebi ganxiluli aris dokumentis momdevno TavebSi. 2.3. mxareebi Tanxmdebian, rom saCuqris mimRebs yvela SemTxvevaSi warmoadgens klienti da ara baraTis mflobeli. 3. programaSi monawileoba 3.1. programaSi gawevrianeba SeuZliaT: 3.1.1. American Express Green Business an/da American Express Gold Business ZiriTadi baraTis mflobelebs, romelTa ZiriTadi baraTis angariSi ar aris daxuruli da ZiriTadi baraTi ar aris vadagasuli. 3.1.2. klientebs, romelTa American Express Green Business an/da American Express Gold Business baraTis angariSe(eb)ze ar iricxeba vadagadacilebuli davalianeba. 3.2. programaSi gawevrianeba xdeba: 3.2.1. klientis ganacxadis safuZvelze bankis nebismier servis centrSi; 4. Membership Rewards angariSi 4.1. programis CarTvis TariRSi klients exsneba Membership Rewards axdens daricxuli da CamoWrili qulebis aRricxvas. SM arasabanko angariSi, romelzec banki 5. qulebis daricxva 5.1. qulebis daricxvisas banki iTvaliswinebs gadaxdis da ganaRdebis mxolod im operaciebs, romlebic aucilebeli wesiT akmayofileben Semdeg moTxovnebs: 5.1.1. gadaxdis da/an ganaRdebis operacia Catarebuli aris ZiriTadi baraTiT an damatebiTi baraTiT. 5.1.2. gadaxdis da/an ganaRdebis operacia Catarebulia da sabanko sistemaSi asaxulia programaSi gawevrianebis momentis Semdeg da programis SeCerebis/deaqtivaciis TariRamde. SM 5.2. Membership Rewards angariSze qulebis daricxva warmoebs Semdegi wesiT: 5.2.1. American Express Green Business da American Express Gold Business baraTebze: 5.2.1.1. 1 (erTi) qula yovel 1 (erT) daxarjul larze, savaWro da momsaxurebis obieqtebSi Catarebuli gadaxdis operaciebisTvis. 5.2.1.2. 0 (nuli) qula bankis bankomatebis meSveobiT ganaRdebul nebismier Tanxaze. 5.2.2. ucxour valutaSi Catarebuli gadaxdis da ganaRdebis operaciebisas qulebis daricxva warmoebs gadaxdis operaciis sabanko sistemaSi asaxvis dRis bolos dafiqsirebuli bankis komerciuli kursiT larSi dakonvertirebuli Tanxis Sesabamisad. SM 5.2.3. qulebis asaxva Membership Rewards angariSze xdeba gadaxdis operaciis sabanko sistemaSi asaxvidan momdevno sabanko dRes. 5.2.4. damatebiTi baraTiT Catarebuli gadaxdis da ganaRdebis operciebis Sedegad qulebis daricxva ar xdeba. 6. qulebis daricxva promo aqciebis farglebSi 6.1. banks uflebas aqvs Caataros promo aqciebi (maT Soris mesame pirTa monawilebiT), romelTa farglebSic moxdeba qulebis daricxva me-5 TavSi aRwerili sqemisgan gansxvavebuli wesiT. 6.2. bankis gadawyvetilebiT promo aqciebSi monawileobas miiRebs yvela klienti an maTi garkveuli kategoriebi. 6.3. banki Tavad gansazRvravs: 6.3.1. promo aqciis xangrZlivobas; 6.3.2. promo aqciaSi monawileTa kategoriebs; 6.3.3. gadaxdis da/an ganaRdebis operaciis damatebiT kriteriumebs; 6.3.4. promo aqciis farglebSi daricxuli qulebis odenobas; 6.3.5. promo aqciis Catarebis sxva pirobebs. 7. qulebis gamoyeneba SM 7.1. klients ufleba aqvs gamoiyenos Membership Rewards angariSze arsebuli qulebi mxolod saCuqris miRebis mizniT. SM 7.2. klients ar aqvs ufleba gaaCuqos, gayidos an sxva raime gziT gaasxvisos mis Membership Rewards angariSze arsebuli qulebi. 7.3. klients ufleba aqvs gacvalos qulebi misTvis sasurvel saCuqarze, Tu Sesruldeba Semdegi aucilebeli pirobebi: 7.3.1. klients ar gaaCnia programaSi monawileobis sakomisios davalianeba (aseTis arsebobis SemTxvevaSi); 7.3.2. baraTis angariSze ar iricxeba vadagadacilebuli davalianeba; SM 7.3.3. klients Membership Rewards angariSze aqvs sakmarisi qulebis raodenoba saCuqris SesakveTad. 7.4. banki Tavad gansazRvravs saCuqrebis CamonaTvals, romlebzec klients SeuZlia qulebis gadacvla. 7.5. banki Tavad gansazRvravs yoveli saCuqris nominalur Rirebulebas. 7.6. saCuqrebis CamonaTvali da maTi nominaluri Rirebulebebi mocemuli aris saCuqrebis katalogSi. banks ufleba aqvs klientis Setyobinebis gareSe nebismier dros Secvalos katalogSi arsebuli saCuqrebis CamonaTvali da saCuqrebis nominaluri Rirebulebebi. 7.7. Tu beWdur katalogSi miTiTebuli saCuqrebis CamonaTvali da nominaluri Rirebulebebi ar emTxveva internet katalogis CamonaTvals da/an nominalur Rirebulebebs, bankma da klientma unda ixelmZRvanelon internet katalogiT. 7.8. banks ufleba aqvs saCuqrebis da maTi nominaluri Rirebulebebis Sesaxeb informacia klients miawodos bankisaTvis misaRebi erT-erTi an erTdroulad ramodenime saSualebis gamoyenebiT, esenia: 7.8.1. eleqtronuli fosta; 7.8.2. mokle teqsturi Setyobineba; 7.8.3. sakredito baraTis amonaweri. 7.9. katalogSi arsebul yovel saCuqars miniWebuli aqvs saCuqris unikaluri kodi, romelic calsaxad ganszaRvravs mas da ganasxvavebs sxva saCuqrebisgan. 8. saCuqris SekveTa 8.1. saCuqris SekveTa SesaZlebeli aris Semdegi arxebis meSveobiT: 8.1.1. bankis nebismier servis centrSi ganacxadis safuZvelze - saCuqris SekveTisas klients gadaecema beWduri vauCeri, sadac saCuqris mimRebi aris klienti. 8.2. saCuqris SekveTa SesaZlebeli aris mxolod 7.3-Si gansazRvruli pirobebis Sesrulebis SemTxvevaSi. 8.3. saCuqris SekveTis momentSi xdeba saCuqris nominaluri Rirebulebis Sesabamisi qulebis dablokva SM Membership Rewards angariSze. 8.4. vauCers vada gasdis SekveTidan 30 kalendaruli dRis Semdeg. im SemTxvevaSi, Tu aRniSnul vadaSi klienti ar gamoiyenebs SekveTil vauCers, mas avtomaturad daubrundeba dablokili qulebi SM Membership Rewards angariSze. 8.5. vauCerze miTiTebuli aris Semdegi informacia: 8.5.1. vauCeris (SekveTis) unikaluri nomeri; 8.5.2. saCuqris dasaxeleba; 8.5.3. saCuqris kodi; 8.5.4. savaWro/momsaxurebis obieqtis dasaxeleba; 8.5.5. klientis saxelwodeba; 8.5.6. klientis saidentifikacio nomeri; 8.5.7. vauCeris gacemis (beWdvis) TariRi; 8.5.8. vauCeris gamoyenebis ukanaskneli TariRi. 8.6. saCuqris misaRebad klientma unda mimarTos savaWro/momsaxurebis obieqts, romelic miTiTebuli aris katalogSi da vauCerze. 8.7. savaWro/momsaxurebis obieqtSi saCuqris gacema moxdeba mxolod vauCeris da piradobis damadasturebeli sabuTis wardgenis safuZvelze. 8.8. klientis mier saCuqris miRebis Semdeg xdeba saCuqris nominaluri Rirebulebis Sesabamisi qulebis SM Membership Rewards angariSidan saboloo CamoWra. 8.9. SekveTis gauqmeba SesaZlebeli aris bankis nebismier servis centrSi mxolod vauCeris moqmedebis periodis ganmavlobaSi. vauCeris vadis gasvlis Semdeg SekveTis gauqmeba ar aris SesaZlebeli. 8.10. Tu klients surs SekveTis gauqmeba da daculi aris 8.9 punqtiT gansazRvruli piroba, man unda mimarTos bankis nebismier servis centrs da Seavsos SekveTis gauqmebis ganacxadi. saCuqris nominaluri SM Rirebulebis Sesabamisi dablokili qulebi dabrundeba klientis Membership Rewards angariSze. 9. qulebis CamoWris calmxrivi ufleba SM 9.1. banks ufleba aqvs calmxrivad CamoWras qulebi, eqvivalent larebSi klientis Membership Rewards Sesabamisi angariSidan Tu: SM 9.1.1. bankma SecdomiT Caricxa qulebi klientis Membership Rewards angariSze; 9.1.2. klientma bankSi dadgenili wesiT gaasaCivra ZiriTadi baraTiT Catarebuli gadaxdis da/an ganaRdebis operacia, romelzec mas daericxa qulebi; 9.1.3. klientma an/da baraTis mflobelma daabruna (uari ganacxada miRebaze) savaWro/momsaxurebis obieqt(eb)Si baraTiT SeZenili nivTi/momsaxureba; 9.1.4. ganaRdebis/gadaxdis operacia ar akmayofilebs 5.1 punqtSi miTiTebul erT-erT pirobas mainc. 9.1.5. programis monawilis ukanaskneli baraT(eb)is (American Express Green Business, an American Express Gold Business) moqmedebis vadis amowurvidan gasulia 6 (eqvsi) saangariSo Tve. amasTan, SM winamdebare punqtiT aRweril SemTxvevebSi programis monawilis Membership Rewards angariSze CamoWris momentisaTvis arsebuli qulebi CamoiWreba srulad 9.2. 9.1 punqtSi aRwerili SemTxvevebis dadgomisas qulebis CamoWra xdeba samudamod. 10. informacia Membership RewardsSM angariSze arsebuli qulebis Sesaxeb SM 10.1. Membership Rewards angariSze arsebuli qulebis Sesaxeb informaciis miReba SesaZlebeli aris Semdegi arxebis meSveobiT: 10.1.1. bankis nebismieri servis centri; 10.1.2. iuridiuli piris internet banki; 11. programaSi monawileobis sakomisio SM 11.1. klienti valdebulia weliwadSi erTxel, winaswar gadaixados Membership Rewards programaSi monawileobis yovelwliuri sakomisio (aseTis arsebobis SemTxvevaSi). amasTan, banki itovebs uflebas nebismier dros, klientisaTvis yovelgvari damatebiTi Setyobinebis gareSe, calmxrivad Secvalos/daawesos sakomisio programaSi monawileobisaTvis da uaqceptod Camoweros klientis mier bankSi gaxsnili angariSebidanprogramaSi monawileoba aiTvleba programaSi ukanaskneli gawevrianebis TariRidan. sakomisios daricxva moxdeba yovelwliurad gawevrianebis dRes. 11.2. Tu klients ar surs programaSi monawileobis gagrZeleba, man aucilebeli wesiT unda moaxdinos programis deaqtivacia 13.1.1-Si CamoTvlili erT-erTi arxis meSveobiT, programis avtomatur ganaxlebamde (sakomisios daricxvis dRemde). winaaRmdeg SemTxvevaSi CaiTvleba rom klienti Tanaxmaa gaagrZelos programaSi monawileoba, moxdeba programis avtomatur reJimSi gagrZeleba da sakomisios CamoWrisas banki ixelmZRvanelebs 11.1 punqtiT. 11.3. programis deaqtivaciis SemTxvevaSi ar xdeba winaswar gadaxdili sakomisios dabruneba. 11.4. banks ufleba aqvs Caataros promo aqciebi, romelTa drosac programaSi monawileobis pirveli wlis sakomisio bankis mier ar aiReba. 12. programis SeCereba 12.1. baraTis angariSze vadagadacilebuli davalianebis dafiqsirebis momentidan programa iTvleba SeCerebulad, rac gulisxmobs rom: 12.1.1. SeuZlebeli xdeba saCuqris SekveTa; 12.1.2. ar xdeba qulebis dagroveba. 12.2. programa gaaqtiurdeba vadagadacilebuli davalianebis srulad dafarvidan momdevno sabanko dRes. 13. programis deaqtivacia 13.1. programis deaqtivacia moxdeba: 13.1.1. klientis survilis SemTxvevaSi, Semdegi arxebis meSveobiT: 13.1.1.1. bankis nebismeir servis centrSi, ganacxadis safuZvelze; 13.1.2. baraTis angariSis nebismieri mizeziT daxurvis SemTxvevaSi; 13.1.3. ZiriTadi momsaxurebis ZiriTadi pirobebis darRvevis SemTxvevaSi; 13.1.4. damatebiTi baraTiT momsaxurebis konkretuli pirobebis darRvevis SemTxvevaSi. 13.1.5. sakomisios gadauxdelobisas (aseTis arsebobis SemTxvevaSi). 14. gansakuTrebuli pirobebi 14.1. klientis mier saCuqris miRebis ufleba ar SeiZleba iyos gadacemuli mesame pirze. 14.2. banki ar agebs pasuxs klientis mier miRebuli saCuqris xarisxze, kompleqtaciis sisruleze da sxva naklovanebebze. saCuqris xarisxTan dakavSirebuli pretenziiT klientma unda mimarTos saCuqris momwodebel savaWro/momsaxurebis obieqts. 14.3. banki ar agebs pasuxs Tu savaWro/momsaxurebis obieqti ver uzrunvelyofs saCuqris gacemas. Tu savaWro/momsaxurebis obieqti ver uzrunveyofs saCuqris gacemas da saCuqris vauCers ar gauvida vada, klientis ganacxadis safuZvelze banki daabrunebs saCuqris nominaluri Rirebulebis Sesabamis qulebs SM klientis Membership Rewards angariSze. 14.4. banks ufleba aqvs programaSi monawile saCuqrebis momwodebel savaWro/momsaxurebis obieqtebs gadasces klientis piradi informacia, Tu es informacia moiTxoveba klientis identifikaciisTvis. es SeiZleba iyos: saxeli, gvari, piradobis damadasturebeli sabuTis monacemebi. 14.5. winamdebare pirobebi ZalaSi Sedis klientis mier Membership Rewards programaSi monawileobis ganacxadis xelmoweris da bankisaTvis gadacemis TariRidan. 14.6. banki uflebamosilia calmxrivad klientis winaswari Tu damatebiTi aqceptisa da Tanxmobis gareSe: a) Secvalos winamdebare pirobebiT gansazRvruli nebismieri wesi Tu piroba, klientisaTvis 30 (ocdaaTi) kalendaruli dRiT adre ganxorcielebuli Setyobinebis safuZvelze; b) gaauqmos nebismier dros winamdebare pirobebi Sesabamis ganacxadTan erTad klientisTvis 3 (sami) kalendaruli dRiT adre gagzavnili werilobiTi SetyobinebissafuZvelze. 14.7. 14.6 punqtis miuxedavad, Tu klienti daarRvevs am pirobebis romelime pirobas an gamocxaddeba gakotrebulad an klienti daxuravs anagriS(eb)s bankSi, banki uflebamosilia gaauqmos winamdebare pirobebi Sesabamis ganacxadTan erTad dauyovnebliv da moiTxovos klientis mier nebismieri da yvela arsebuli davalianebis dafarva; 14.8. mxareebi Tanxmebian, rom klientis mier sabonuse qulebis miRebis Sedegad warmoSobili saSemosavlo gadasaxadis gadaxdasa da administrirebas, kanonmdeblobiT gansazRvruli wesis Sesabamisad, Seasrulebs banki. 14.9. klienti aseve uflebamosilia gaauqmos winamdebare pirobebi Sesabamis ganacxadTan nebismier dros bankisTvis werilobiTi Setyobinebis gagzavniT. klienti aRiarebs da Tanaxmaa, rom winamdebare pirobebi moqmedebs klientis mier xelSekrulebis safuZvelze arsebuli nakisri valdebulebebis srulad Sesrulebamde.
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