{"id":200,"date":"2024-12-16T11:50:20","date_gmt":"2024-12-16T08:50:20","guid":{"rendered":"https:\/\/paylaterapp.com\/?page_id=200"},"modified":"2026-02-17T18:55:55","modified_gmt":"2026-02-17T15:55:55","slug":"terms-conditions","status":"publish","type":"page","link":"https:\/\/paylaterapp.com\/ar\/terms-conditions\/","title":{"rendered":"Terms & Conditions"},"content":{"rendered":"

\u064a\u064f\u0631\u062c\u0649 \u0642\u0631\u0627\u0621\u0629 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 (“\u0627\u0644\u0634\u0631\u0648\u0637”) \u0628\u0639\u0646\u0627\u064a\u0629.<\/strong> \u0628\u0627\u0644\u0646\u0642\u0631 \u0644\u0642\u0628\u0648\u0644 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637\u060c \u0641\u0625\u0646\u0643 \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0633\u064a\u0627\u0633\u0629 \u062e\u0635\u0648\u0635\u064a\u0629 \u062e\u062f\u0645\u0627\u062a \u0645\u0648\u0642\u0639 \u0628\u0627\u064a \u0644\u0627\u062a\u0631 \u0630.\u0645.\u0645.<\/strong> (“\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0633\u0631\u064a\u0627\u0646<\/strong>“). \u0627\u0644\u0639\u0646\u0627\u0648\u064a\u0646 \u0627\u0644\u0648\u0627\u0631\u062f\u0629 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u0633\u062a\u0646\u062f \u0647\u064a \u0644\u0623\u063a\u0631\u0627\u0636 \u0645\u0631\u062c\u0639\u064a\u0629 \u0641\u0642\u0637. \u0648\u064a\u062a\u0639\u064a\u0646 \u0639\u0644\u064a\u0643 \u0637\u0628\u0627\u0639\u0629 \u0646\u0633\u062e\u0629 \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0644\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0628\u0647\u0627 \u0641\u064a \u0633\u062c\u0644\u0627\u062a\u0643.<\/p>\n

1. \u0627\u0644\u0623\u0637\u0631\u0627\u0641 \u0644\u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637<\/strong><\/p>\n

1.1<\/strong> \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u062a\u0645\u062b\u0644 \u0639\u0642\u062f\u064b\u0627 \u0628\u064a\u0646\u0643 (“\u0623\u0646\u062a”\u060c “\u0644\u0643”\u060c “\u0627\u0644\u0639\u0645\u064a\u0644”) \u0648\u0634\u0631\u0643\u0629 \u062e\u062f\u0645\u0627\u062a \u0645\u0648\u0642\u0639 \u0628\u0627\u064a \u0644\u0627\u062a\u0631 \u0630.\u0645.\u0645 (“\u0628\u0627\u064a \u0644\u0627\u062a\u0631”\u060c “\u0646\u062d\u0646”\u060c “\u0646\u0627”\u060c “\u0644\u0646\u0627”)\u060c \u064a\u064f\u0634\u0627\u0631 \u0625\u0644\u0649 \u0643\u0644 \u0637\u0631\u0641 \u0645\u0646\u0647\u0627 \u0628\u0640”\u0627\u0644\u0637\u0631\u0641<\/strong>” \u0648\u0645\u062c\u062a\u0645\u0639\u064a\u0646 \u0628\u0640”\u0627\u0644\u0623\u0637\u0631\u0627\u0641<\/strong>“.<\/p>\n

1.2<\/strong> \u062a\u064f\u0639\u062f \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0634\u0631\u0648\u0637\u064b\u0627 \u0645\u0644\u0632\u0645\u0629 \u0642\u0627\u0646\u0648\u0646\u064b\u0627 \u0628\u064a\u0646\u0643 \u0648\u0628\u064a\u0646 \u0628\u0627\u064a \u0644\u0627\u062a\u0631 \u062a\u062d\u0643\u0645 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0644\u062e\u062f\u0645\u0627\u062a \u0628\u0627\u064a \u0644\u0627\u062a\u0631 \u063a\u064a\u0631 \u0627\u0644\u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u062a\u062d\u0648\u064a\u0644<\/strong> (\u0625\u0644\u0627 \u0628\u0645\u0648\u0627\u0641\u0642\u0629 \u0643\u062a\u0627\u0628\u064a\u0629 \u0645\u0633\u0628\u0642\u0629 \u0645\u0646\u0627) (\u0643\u0645\u0627 \u0647\u0648 \u0645\u062d\u062f\u062f \u0623\u062f\u0646\u0627\u0647)\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0645\u0648\u0642\u0639 \u0628\u0627\u064a \u0644\u0627\u062a\u0631 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a<\/strong>\u060c \u0648\u062a\u0637\u0628\u064a\u0642 \u0628\u0627\u064a \u0644\u0627\u062a\u0631<\/strong>\u060c \u0648\u0623\u064a \u0645\u064a\u0632\u0627\u062a \u0648\u0645\u0646\u062a\u062c\u0627\u062a \u0642\u062f \u062a\u0648\u0641\u0631\u0647\u0627 \u0644\u0643 \u0634\u0631\u0643\u0629 \u0628\u0627\u064a \u0644\u0627\u062a\u0631 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0623\u0648 \u0627\u0644\u0645\u0648\u0642\u0639. \u0648\u064a\u062c\u0648\u0632 \u0644\u0646\u0627 \u0646\u0642\u0644 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0623\u0648 \u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646\u0647\u0627<\/strong>\u060c \u0648\u0623\u064a \u062d\u0642\u0648\u0642 \u0628\u0645\u0648\u062c\u0628\u0647\u0627\u060c \u0625\u0644\u0649 \u0637\u0631\u0641 \u062b\u0627\u0644\u062b \u062f\u0648\u0646 \u0625\u062e\u0637\u0627\u0631\u0643 \u0623\u0648 \u0645\u0648\u0627\u0641\u0642\u062a\u0643<\/strong>.<\/p>\n

2. \u062a\u0639\u0631\u064a\u0641\u0627\u062a<\/strong><\/p>\n

“\u0627\u0644\u062d\u0633\u0627\u0628<\/strong>” \u0644\u0647 \u0627\u0644\u0645\u0639\u0646\u0649 \u0627\u0644\u0645\u0646\u0633\u0648\u0628 \u0644\u0647 \u0628\u0645\u0648\u062c\u0628 \u0627\u0644\u0628\u0646\u062f 5.1<\/strong> \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637.
“\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0627\u0628\u0639\u0629<\/strong>” \u062a\u0639\u0646\u064a \u0623\u064a \u0643\u064a\u0627\u0646 \u064a\u0633\u064a\u0637\u0631 \u0639\u0644\u064a\u0647 \u0628\u0627\u064a \u0644\u0627\u062a\u0631 \u0623\u0648 \u064a\u062e\u0636\u0639 \u0644\u0633\u064a\u0637\u0631\u062a\u0647 \u0623\u0648 \u062a\u062d\u062a \u0633\u064a\u0637\u0631\u0629 \u0645\u0634\u062a\u0631\u0643\u0629 \u0645\u0639\u0647 \u0628\u0634\u0643\u0644 \u0645\u0628\u0627\u0634\u0631 \u0623\u0648 \u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631.
“\u0627\u0644\u0634\u0631\u0648\u0637<\/strong>” \u062a\u0639\u0646\u064a \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645.
“\u0627\u0644\u0642\u0627\u0646\u0648\u0646\/\u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647\u0627<\/strong>” \u064a\u0639\u0646\u064a \u062c\u0645\u064a\u0639 \u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0648\u0627\u0644\u0625\u062e\u0637\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647\u0627 \u0641\u064a \u062f\u0648\u0644\u0629 \u0642\u0637\u0631<\/strong>.
“\u064a\u0648\u0645 \u0627\u0644\u0639\u0645\u0644<\/strong>” \u064a\u0639\u0646\u064a \u064a\u0648\u0645\u064b\u0627 \u0628\u062e\u0644\u0627\u0641 \u0627\u0644\u062c\u0645\u0639\u0629 \u0648\u0627\u0644\u0633\u0628\u062a<\/strong> \u0623\u0648 \u0627\u0644\u0639\u0637\u0644\u0627\u062a \u0627\u0644\u0631\u0633\u0645\u064a\u0629\/\u0639\u0637\u0644\u0627\u062a \u0627\u0644\u0628\u0646\u0648\u0643 \u0641\u064a \u062f\u0648\u0644\u0629 \u0642\u0637\u0631.
“\u0627\u0634\u062a\u0631\u0650 \u0627\u0644\u0622\u0646 \u0648\u0627\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u064b\u0627 (BNPL)<\/strong>” \u064a\u062d\u0645\u0644 \u0627\u0644\u0645\u0639\u0646\u0649 \u0627\u0644\u0645\u062d\u062f\u062f \u0641\u064a \u0627\u0644\u0628\u0646\u062f 5.2<\/strong>.
“\u0644\u0648\u0627\u0626\u062d \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u064b\u0627<\/strong>” \u062a\u0639\u0646\u064a \u0627\u0644\u0644\u0627\u0626\u062d\u0629 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0639\u0646 \u0645\u0635\u0631\u0641 \u0642\u0637\u0631 \u0627\u0644\u0645\u0631\u0643\u0632\u064a (QCB)<\/strong>.
“\u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0633\u0631\u064a\u0629<\/strong>” \u2026 \u0648\u0644\u0623\u063a\u0631\u0627\u0636 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637\u060c \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0639\u0645\u064a\u0644 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0633\u0631\u064a\u0629 \u062f\u0627\u0626\u0645\u064b\u0627<\/strong>.
“\u062a\u0634\u0631\u064a\u0639\u0627\u062a \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/strong>” \u062a\u0639\u0646\u064a: \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0631\u0642\u0645 13 \u0644\u0633\u0646\u0629 2016<\/strong> \u0644\u062f\u0648\u0644\u0629 \u0642\u0637\u0631 \u0648\u0623\u064a \u062a\u0634\u0631\u064a\u0639\u0627\u062a \u0623\u062e\u0631\u0649 \u0633\u0627\u0631\u064a\u0629\u060c \u0645\u0639 \u0627\u0633\u062a\u062b\u0646\u0627\u0621<\/strong> \u0623\u0646 \u0645\u0637\u0627\u0644\u0628\u0629 \u0627\u0644\u0639\u0645\u064a\u0644 \u0623\u0645\u0627\u0645 \u0627\u0644\u0642\u0636\u0627\u0621 \u0645\u0639 \u0639\u0645\u0644\u0627\u0621 \u0622\u062e\u0631\u064a\u0646 \u0644\u0627 \u062a\u064f\u0639\u062f \u0625\u0641\u0634\u0627\u0621\u064b \u0644\u0628\u0646\u062f \u0627\u0644\u0633\u0631\u064a\u0629<\/strong>.
“\u062d\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0641\u0643\u0631\u064a\u0629<\/strong>” \u2026
“\u062a\u0637\u0628\u064a\u0642 \u0628\u0627\u064a \u0644\u0627\u062a\u0631<\/strong>” \u0623\u0648 “\u0627\u0644\u062a\u0637\u0628\u064a\u0642<\/strong>” \u2026 \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 BNPL<\/strong> \u0648\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0646\u0642\u062f\u064a.
“\u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a<\/strong>” \u0644\u0647\u0627 \u0627\u0644\u0645\u0639\u0646\u0649 \u0627\u0644\u0645\u062d\u062f\u062f \u0641\u064a \u0627\u0644\u0628\u0646\u062f 5.1<\/strong>.
“\u0627\u0644\u062e\u062f\u0645\u0629\/\u0627\u0644\u062e\u062f\u0645\u0627\u062a<\/strong>” \u0643\u0645\u0627 \u0641\u064a \u0627\u0644\u0628\u0646\u062f 5<\/strong>.
“\u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062d\u0633\u0627\u0633\u0629<\/strong>” \u2026
“\u062d\u0648\u0627\u0644\u0629 \u0627\u0644\u062d\u0642<\/strong>” \u2026 \u0648\u062a\u064f\u0639\u062f \u0645\u0648\u0627\u0641\u0642\u062a\u0647 \u0647\u0646\u0627 \u0645\u0648\u0627\u0641\u0642\u0629 \u0645\u0633\u0628\u0642\u0629<\/strong>.
“\u0627\u0644\u0625\u0642\u0644\u064a\u0645<\/strong>” \u064a\u0639\u0646\u064a \u062f\u0648\u0644\u0629 \u0642\u0637\u0631<\/strong>.
“\u0627\u0644\u0645\u0648\u0642\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a<\/strong>” \u064a\u0639\u0646\u064a \u0645\u0648\u0642\u0639 \u0628\u0627\u064a \u0644\u0627\u062a\u0631: www.paylaterapp.com<\/a><\/strong>.<\/p>\n

3. \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645<\/strong><\/p>\n

3.1<\/strong> \u2026 \u064a\u064f\u0639\u062f \u0643\u0644 \u062e\u064a\u0627\u0631 “\u062e\u062f\u0645\u0629<\/strong>“\u060c \u0648\u064a\u064f\u0634\u0627\u0631 \u0625\u0644\u064a\u0647\u0627 \u0645\u062c\u062a\u0645\u0639\u0629 “\u0627\u0644\u062e\u062f\u0645\u0627\u062a<\/strong>“.
3.2<\/strong> \u0642\u0628\u0644 \u0627\u0644\u062a\u0633\u062c\u064a\u0644\u2026 \u064a\u062c\u0628 \u0623\u0646 \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0627\u0644\u0634\u0631\u0648\u0637.
3.3<\/strong> \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0634\u0631\u0648\u0637 \u0628\u0639\u0646\u0627\u064a\u0629\u2026
3.4<\/strong> \u0646\u062d\u062a\u0641\u0638 \u0628\u0627\u0644\u062d\u0642 \u0641\u064a \u062a\u063a\u064a\u064a\u0631 \u0627\u0644\u0634\u0631\u0648\u0637\u2026 \u0648\u064a\u064f\u0639\u062a\u0628\u0631 \u0627\u0644\u0625\u062e\u0637\u0627\u0631 \u0645\u0648\u0627\u0641\u0642\u0629 \u0645\u0633\u0628\u0642\u0629<\/strong> \u0645\u0646 \u0627\u0644\u0639\u0645\u064a\u0644.
3.5<\/strong> \u2026 \u0648\u064a\u064f\u0639\u062a\u0628\u0631 \u0639\u062f\u0645 \u0627\u0644\u0627\u0639\u062a\u0631\u0627\u0636 \u062e\u0644\u0627\u0644 \u064a\u0648\u0645\u064a\u0646<\/strong> \u0645\u0648\u0627\u0641\u0642\u0629 \u0645\u0633\u0628\u0642\u0629 \u0645\u0646\u0643.<\/p>\n

4. \u0627\u0644\u0623\u0647\u0644\u064a\u0629<\/strong><\/p>\n

4.1<\/strong> \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0645\u062e\u0635\u0635\u0629 \u062d\u0635\u0631\u064a\u064b\u0627 \u0644\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0645\u0624\u0647\u0644\u064a\u0646<\/strong>.
4.2<\/strong> BNPL<\/strong> \u0645\u062a\u0627\u062d\u0629 \u0641\u0642\u0637 \u0644\u0644\u0645\u0624\u0647\u0644\u064a\u0646 \u0648\u0641\u0642 \u062a\u0642\u062f\u064a\u0631\u0646\u0627 \u0648\u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0645\u0639\u0627\u064a\u064a\u0631 \u062a\u0634\u0645\u0644:
(1) \u0628\u0637\u0627\u0642\u0629 \u0647\u0648\u064a\u0629 \u0642\u0637\u0631\u064a\u0629 (QID) \u0635\u0627\u0644\u062d\u0629<\/strong>\u061b
(2) \u0627\u0644\u0625\u0642\u0627\u0645\u0629<\/strong> \u0641\u064a \u062f\u0648\u0644\u0629 \u0642\u0637\u0631 \u0648\u0639\u0646\u0648\u0627\u0646 \u062f\u0627\u0626\u0645\u061b
(3) 18 \u0639\u0627\u0645\u064b\u0627 \u0623\u0648 \u0623\u0643\u062b\u0631<\/strong>\u061b
(4) \u0628\u0631\u064a\u062f \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0646\u0634\u0637<\/strong> \u0645\u0633\u062c\u0644 \u0628\u0627\u0633\u0645\u0643\u061b
(5) \u0631\u0642\u0645 \u062c\u0648\u0627\u0644 \u0646\u0634\u0637<\/strong> \u0645\u0633\u062c\u0644 \u0628\u0627\u0633\u0645\u0643\u061b
(6) \u062a\u0642\u062f\u064a\u0645 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0648\u0627\u0644\u0648\u062b\u0627\u0626\u0642<\/strong> \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629\u061b
(7) \u0627\u0644\u0625\u0642\u0631\u0627\u0631 \u0628\u0627\u0644\u0648\u0641\u0627\u0621 \u0628\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639<\/strong> \u062d\u0633\u0628 \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627\u061b
(8) \u062d\u0633\u0627\u0628 \u0645\u0635\u0631\u0641\u064a \u0646\u0634\u0637<\/strong> \u0641\u064a \u062f\u0648\u0644\u0629 \u0642\u0637\u0631.
4.3<\/strong> \u0623\u064a \u062a\u0633\u062c\u064a\u0644\/\u0627\u0633\u062a\u062e\u062f\u0627\u0645\/\u0648\u0635\u0648\u0644 \u0645\u0646 \u063a\u064a\u0631 \u0627\u0644\u0645\u0633\u062a\u0648\u0641\u064a\u0646 \u0644\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u063a\u064a\u0631 \u0645\u064f\u0635\u0631\u0651\u062d<\/strong> \u0648\u0645\u062e\u0627\u0644\u0641\u0629<\/strong> \u0644\u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637.<\/p>\n

5. \u062e\u062f\u0645\u0627\u062a \u0628\u0627\u064a \u0644\u0627\u062a\u0631<\/strong><\/p>\n

5.1<\/strong> \u2026 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 BNPL<\/strong> \u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a<\/strong> \u0645\u0646 \u0627\u0644\u062a\u062c\u0627\u0631<\/strong>.
5.2<\/strong> BNPL<\/strong> \u062a\u064f\u0645\u0643\u0651\u0646\u0643 \u0645\u0646 \u0627\u0644\u0633\u062f\u0627\u062f \u0639\u0644\u0649 \u0623\u0642\u0633\u0627\u0637 \u0645\u062a\u0633\u0627\u0648\u064a\u0629<\/strong> \u0641\u064a \u062a\u0648\u0627\u0631\u064a\u062e \u0627\u0633\u062a\u062d\u0642\u0627\u0642<\/strong> \u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627.
5.3<\/strong> \u064a\u0645\u0643\u0646 \u0627\u0644\u062a\u0642\u062f\u0651\u0645 \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 BNPL<\/strong> \u0639\u0646\u062f \u0627\u0644\u062f\u0641\u0639 \u0644\u062f\u0649 \u0628\u0639\u0636 \u0627\u0644\u062a\u062c\u0627\u0631.
5.4<\/strong> \u0646\u062d\u062a\u0641\u0638 \u0628\u0627\u0644\u062d\u0642 \u0641\u064a \u0631\u0641\u0636<\/strong> \u0637\u0644\u0628 BNPL<\/strong> \u062f\u0648\u0646 \u0625\u0628\u062f\u0627\u0621 \u0623\u0633\u0628\u0627\u0628.
5.5<\/strong> \u0639\u0646\u062f \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0646\u062f\u0641\u0639 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0628\u0644\u063a<\/strong> \u0644\u0644\u062a\u0627\u062c\u0631 \u0646\u064a\u0627\u0628\u0629\u064b \u0639\u0646\u0643<\/strong>\u060c \u0648\u062a\u0644\u062a\u0632\u0645 \u0628\u0633\u062f\u0627\u062f \u0627\u0644\u0623\u0642\u0633\u0627\u0637<\/strong> \u0648\u0641\u0642 \u0627\u0644\u0634\u0631\u0648\u0637.
5.6<\/strong> \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0645\u0633\u062a\u062d\u0642<\/strong> = \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0628\u0644\u063a \u2212 \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0629.
5.7<\/strong> \u0645\u0632\u0627\u064a\u0627 \u0627\u0644\u0628\u0646\u0643\/\u062c\u0647\u0629 \u0627\u0644\u0625\u0635\u062f\u0627\u0631 \u0642\u062f \u0644\u0627 \u062a\u0646\u0637\u0628\u0642<\/strong> \u0639\u0644\u0649 \u0627\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a \u0639\u0628\u0631\u0646\u0627.
5.8<\/strong> \u0642\u062f \u0646\u0642\u062f\u0651\u0645 \u0639\u0631\u0648\u0636\u064b\u0627 \u0648\u0645\u0632\u0627\u064a\u0627<\/strong> (\u062e\u0635\u0648\u0645\u0627\u062a\/\u0641\u0639\u0627\u0644\u064a\u0627\u062a\/\u0648\u0635\u0648\u0644 \u0645\u0628\u0643\u0631\u2026)\u060c \u0648\u062a\u062e\u0636\u0639 \u0644\u0634\u0631\u0648\u0637 \u0645\u0646\u0641\u0635\u0644\u0629<\/strong>. \u0643\u0645\u0627 \u064a\u0645\u0643\u0646\u0643 \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0646\u0642\u062f\u064a<\/strong> \u0645\u0646\u0641\u0635\u0644\u064b\u0627 \u0623\u0648 \u0645\u0639 BNPL<\/strong>.<\/p>\n

6. \u0628\u064a\u0627\u0646\u0627\u062a\u0643 \u0648\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u0643<\/strong><\/p>\n

6.1<\/strong> \u062a\u0642\u062f\u064a\u0645 \u0628\u064a\u0627\u0646\u0627\u062a \u0635\u062d\u064a\u062d\u0629 \u0648\u062f\u0642\u064a\u0642\u0629 \u0648\u062d\u062f\u064a\u062b\u0629 \u0648\u0643\u0627\u0645\u0644\u0629<\/strong> \u0641\u0642\u0637.
6.2<\/strong> \u062a\u062d\u062f\u064a\u062b<\/strong> \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062d\u0633\u0627\u0628 \u0648\u0625\u062e\u0637\u0627\u0631\u0646\u0627 \u0628\u0623\u064a \u062a\u063a\u064a\u064a\u0631\u0627\u062a \u0641\u0648\u0631\u064b\u0627.
6.3<\/strong> \u0646\u062d\u062a\u0641\u0638 \u0628\u0633\u062c\u0644\u0627\u062a \u0627\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a \u0648\u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a<\/strong> \u0644\u0623\u063a\u0631\u0627\u0636 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u062e\u062f\u0645\u0629.
6.4<\/strong> \u0642\u062f \u0646\u062c\u0631\u064a \u0627\u0633\u062a\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629<\/strong> (\u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0645\u0643\u062a\u0628 \u0642\u0637\u0631 \u0644\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629<\/strong>) \u0644\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0623\u0647\u0644\u064a\u0629\u060c \u0648\u0643\u0630\u0644\u0643 \u0639\u0646\u062f \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u062d\u062f\/\u0627\u0644\u062a\u062c\u062f\u064a\u062f\/\u0627\u0644\u062a\u062d\u0635\u064a\u0644\/\u0627\u0644\u0646\u0632\u0627\u0639\u0627\u062a<\/strong>.
6.5<\/strong> \u062a\u0641\u0648\u064a\u0636 \u0635\u0631\u064a\u062d \u0628\u0625\u062c\u0631\u0627\u0621 \u0627\u0644\u0627\u0633\u062a\u0639\u0644\u0627\u0645\u0627\u062a \u062f\u0648\u0646 \u0645\u0648\u0627\u0641\u0642\u0629 \u0625\u0636\u0627\u0641\u064a\u0629<\/strong>.
6.6<\/strong> \u0642\u062f \u0646\u064f\u0641\u0635\u062d \u0639\u0646 \u0633\u062c\u0644 \u0627\u0644\u0633\u062f\u0627\u062f \u0648\u0627\u0644\u0633\u0644\u0648\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a<\/strong> \u0644\u062c\u0647\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0645\u0631\u062e\u0651\u0635\u0629 \u0645\u0646 QCB<\/strong>.<\/p>\n

7. \u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639 \u0648\u0645\u0635\u0637\u0644\u062d\u0627\u062a\u0647\u0627<\/strong><\/p>\n

7.1<\/strong> \u064a\u062c\u0628 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u0649 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0623\u064a \u0634\u0631\u0648\u0637 \u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0629<\/strong>.
7.2<\/strong> \u0628\u0627\u0644\u0646\u0642\u0631 “\u0627\u0634\u062a\u0631\u0650 \u0627\u0644\u0622\u0646<\/strong>” \u062a\u0642\u0631 \u0628\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0627\u0644\u0633\u062f\u0627\u062f \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0631\u0633\u0648\u0645 \u0627\u0644\u062a\u0623\u062e\u064a\u0631<\/strong> (\u0625\u0646 \u0648\u062c\u062f\u062a).
7.3<\/strong> \u062f\u0641\u0639 \u062e\u0645\u0633\u0629 \u0648\u0639\u0634\u0631\u064a\u0646 \u0628\u0627\u0644\u0645\u0627\u0626\u0629 (25%)<\/strong> \u0645\u0642\u062f\u0645\u064b\u0627<\/strong> \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0645\u0633\u062a\u062d\u0642<\/strong> \u2014 \u0648\u0647\u0648 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0623\u0648\u0644<\/strong> \u0627\u0644\u0645\u0633\u062a\u062d\u0642 \u0641\u0648\u0631 \u0627\u0644\u0634\u0631\u0627\u0621<\/strong>.
7.4<\/strong> \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u062a\u0644\u062a\u0632\u0645 \u0628\u062f\u0648\u0631\u0629 \u0641\u0648\u062a\u0631\u0629 \u0645\u062d\u062f\u062f\u0629<\/strong> \u0643\u0645\u0627 \u0641\u064a \u0627\u0644\u062d\u0633\u0627\u0628.
7.5<\/strong> \u0642\u062f \u0644\u0627 \u0646\u0631\u0633\u0644 \u062a\u0630\u0643\u064a\u0631\u0627\u062a<\/strong> \u062f\u0627\u0626\u0645\u064b\u0627\u061b \u0627\u0644\u062a\u0639\u0644\u064a\u0645\u0627\u062a \u0645\u062a\u0627\u062d\u0629 \u0641\u064a \u0627\u0644\u0645\u0648\u0642\u0639\/\u0627\u0644\u062a\u0637\u0628\u064a\u0642<\/strong> \u0648\u0643\u0634\u0641 \u0627\u0644\u062d\u0633\u0627\u0628.
7.6<\/strong> \u0645\u0635\u0627\u062f\u0631 \u062a\u0645\u0648\u064a\u0644 \u0645\u0642\u0628\u0648\u0644\u0629: \u0628\u0637\u0627\u0642\u0627\u062a \u062e\u0635\u0645\/\u0627\u0626\u062a\u0645\u0627\u0646<\/strong> (\u063a\u064a\u0631 \u0645\u0633\u0628\u0642\u0629 \u0627\u0644\u062f\u0641\u0639). \u0644\u0646\u0627 \u062d\u0642 \u0631\u0641\u0636<\/strong> \u0628\u0637\u0627\u0642\u0627\u062a \u062a\u0646\u062a\u0647\u064a \u062e\u0644\u0627\u0644 12 \u0634\u0647\u0631\u064b\u0627<\/strong>. \u0627\u0644\u062a\u0623\u062e\u0631 \u064a\u064f\u0633\u062c\u0651\u064e\u0644 \u0644\u062f\u0649 \u0645\u0643\u062a\u0628 \u0642\u0637\u0631 \u0644\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629<\/strong>.
7.7<\/strong> \u0642\u062f \u0646\u0637\u0644\u0628 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0628\u0637\u0627\u0642\u0629<\/strong> \u0648\u062a\u0639\u064a\u064a\u0646 \u0628\u0637\u0627\u0642\u0629 \u0627\u0641\u062a\u0631\u0627\u0636\u064a\u0629<\/strong> \u0644\u0644\u0633\u062f\u0627\u062f.
7.8<\/strong> \u0639\u0646\u062f \u0641\u0634\u0644 \u0627\u0644\u062e\u0635\u0645 \u0645\u0646 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0641\u062a\u0631\u0627\u0636\u064a\u0629 \u064a\u064f\u062e\u0635\u0645 \u0645\u0646 \u0623\u064a \u0645\u0635\u062f\u0631 \u0645\u0633\u062c\u0651\u0644 \u0622\u062e\u0631<\/strong>.
7.9<\/strong> \u064a\u062c\u0648\u0632 \u0627\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u0645\u0633\u0628\u0642<\/strong> \u0643\u0644\u064a\u064b\u0627\/\u062c\u0632\u0626\u064a\u064b\u0627 \u062f\u0648\u0646 \u0631\u0633\u0648\u0645<\/strong>.
7.10<\/strong> \u0644\u0646\u0627 \u062d\u0642 \u062a\u062d\u062f\u064a\u062f\/\u0625\u064a\u0642\u0627\u0641 \u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0642\u0628\u0648\u0644\u0629<\/strong>.
7.11<\/strong> \u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u062d\u0642\u0648\u0642 \u0627\u0644\u0631\u062f\/\u0627\u0644\u0639\u0643\u0633<\/strong> \u0639\u0646\u062f \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0648\u0633\u064a\u0644\u0629 \u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u0639\u0643\u0633.
7.12<\/strong> \u0642\u062f \u0646\u062a\u0623\u062e\u0631 \u0641\u064a \u0625\u062a\u0627\u062d\u0629 \u0627\u0644\u0631\u0635\u064a\u062f \u062d\u062a\u0649 \u062a\u062d\u0635\u064a\u0644 \u0635\u0627\u0641\u064a \u0627\u0644\u0623\u0645\u0648\u0627\u0644<\/strong>.
7.13<\/strong> \u062a\u062d\u062f\u064a\u062b \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0642\u0628\u0644 3 (\u062b\u0644\u0627\u062b\u0629) \u0623\u064a\u0627\u0645 \u0639\u0645\u0644<\/strong> \u0645\u0646 \u0645\u0648\u0639\u062f \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u062a\u0627\u0644\u064a.
7.14<\/strong> \u0636\u0645\u0627\u0646 \u0635\u0644\u0627\u062d\u064a\u0629 \u0648\u0646\u0634\u0627\u0637<\/strong> \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0648\u062a\u0648\u0641\u0631 \u0631\u0635\u064a\u062f\/\u0627\u0626\u062a\u0645\u0627\u0646 \u0643\u0627\u0641\u064d<\/strong> \u062d\u062a\u0649 \u0627\u0644\u062a\u0633\u0648\u064a\u0629.
7.15<\/strong> \u064a\u062d\u0642 \u0644\u0643 \u0625\u064a\u0642\u0627\u0641 \u0627\u0644\u062f\u0641\u0639<\/strong> \u0628\u0625\u0636\u0627\u0641\u0629 \u0628\u0637\u0627\u0642\u0629 \u0628\u062f\u064a\u0644\u0629 \u0642\u0628\u0644 3 \u0623\u064a\u0627\u0645 \u0639\u0645\u0644<\/strong>.
7.16<\/strong> \u0628\u0627\u062e\u062a\u064a\u0627\u0631 BNPL<\/strong> \u0639\u0646\u062f \u0627\u0644\u062f\u0641\u0639\u060c \u062a\u0641\u0648\u064a\u0636 \u0628\u062e\u0635\u0645 \u0627\u0644\u0623\u0642\u0633\u0627\u0637<\/strong> \u0645\u0646 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0645\u0624\u0647\u0644\u0629.
7.17<\/strong> \u064a\u0638\u0647\u0631 \u062a\u0627\u0631\u064a\u062e<\/strong> \u0648\u0645\u0628\u0644\u063a<\/strong> \u0643\u0644 \u0642\u0633\u0637 \u0642\u0628\u0644 \u0625\u062a\u0645\u0627\u0645 \u0627\u0644\u0634\u0631\u0627\u0621.
7.18<\/strong> \u062a\u0641\u0648\u064a\u0636\u0646\u0627 \u0628\u0640: (1) \u062e\u0635\u0645 \u0642\u0633\u0637 \u0627\u0644\u062f\u0641\u0639\u0629 \u0627\u0644\u0645\u0642\u062f\u0645\u0629<\/strong>\u061b (2) \u062e\u0635\u0645 \u0643\u0644 \u0642\u0633\u0637<\/strong> \u0641\u064a \u0645\u0648\u0639\u062f\u0647\u061b (3) \u062e\u0635\u0645 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0645\u0633\u062a\u062d\u0642<\/strong>\u061b (4) \u0639\u0646\u062f \u0627\u0644\u062a\u062e\u0644\u0641<\/strong> \u062e\u0635\u0645 \u0627\u0644\u0642\u0633\u0637 \u0623\u0648 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a.
7.19<\/strong> \u0639\u0646\u062f \u0641\u0634\u0644 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u062a\u0644\u0642\u0627\u0626\u064a \u064a\u062c\u0628 \u0627\u0644\u0633\u062f\u0627\u062f \u0641\u0648\u0631\u064b\u0627<\/strong>.<\/p>\n

8. \u0627\u0644\u062a\u062e\u0644\u0641 \u0639\u0646 \u0627\u0644\u0633\u062f\u0627\u062f<\/strong><\/p>\n

8.1<\/strong> \u064a\u062c\u0648\u0632 \u0625\u0639\u0644\u0627\u0646 \u0627\u0644\u062a\u062e\u0644\u0641<\/strong> \u0625\u0630\u0627: (1) \u0644\u0645 \u064a\u064f\u062f\u0641\u0639 \u0627\u0644\u0642\u0633\u0637 \u0641\u064a \u0645\u0648\u0639\u062f\u0647\u061b (2) \u0641\u0639\u0644\/\u0625\u063a\u0641\u0627\u0644 \u064a\u064f\u0639\u064a\u0642 \u0627\u0644\u0633\u062f\u0627\u062f\/\u0627\u0644\u062a\u062d\u0635\u064a\u0644\u061b (3) \u0625\u0644\u063a\u0627\u0621 \u0645\u0648\u0627\u0641\u0642\u0629 \u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629\u061b (4) \u0627\u0644\u0648\u0641\u0627\u0629\/\u0641\u0642\u062f \u0627\u0644\u0623\u0647\u0644\u064a\u0629.
8.2<\/strong> \u0639\u0646\u062f \u0627\u0644\u062a\u062e\u0644\u0641\u060c \u064a\u062d\u0642 \u0644\u0646\u0627 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0627\u0644\u0641\u0648\u0631\u064a\u0629<\/strong> \u0628\u0633\u062f\u0627\u062f \u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u0645\u062a\u0628\u0642\u064a\u0629<\/strong>.
8.3<\/strong> \u0646\u062d\u062a\u0641\u0638 \u0628\u062d\u0642 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0641\u0648\u0631\u064a<\/strong> \u0645\u0646 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0645\u0635\u0631\u062d \u0628\u0647\u0627 \u0645\u0633\u0628\u0642\u064b\u0627.
8.4 \u0631\u0633\u0648\u0645 \u0627\u0644\u062a\u0623\u062e\u064a\u0631:<\/strong> 50 \u0631\u064a\u0627\u0644\u064b\u0627 \u0642\u0637\u0631\u064a\u064b\u0627<\/strong> \u0644\u0643\u0644 \u0642\u0633\u0637 \u0645\u062a\u0623\u062e\u0631. \u0645\u0648\u0627\u0641\u064e\u0642 \u0639\u0644\u064a\u0647\u0627 \u0634\u0631\u0639\u064a\u064b\u0627<\/strong>\u060c \u0648\u0644\u0627 \u062a\u062d\u062a\u0641\u0638 \u0628\u0647\u0627 \u0627\u0644\u0634\u0631\u0643\u0629 \u0631\u0628\u062d\u064a\u064b\u0627<\/strong>\u060c \u0648\u062a\u064f\u062a\u0628\u0631\u0639 \u0628\u0627\u0644\u0643\u0627\u0645\u0644<\/strong> \u0644\u062c\u0647\u0627\u062a \u062e\u064a\u0631\u064a\u0629 \u0648\u0641\u0642 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629<\/strong>.<\/p>\n

9. \u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062f\u0641\u0639<\/strong><\/p>\n

9.1<\/strong> \u0642\u062f \u0646\u0628\u062f\u0623 \u062a\u062d\u0635\u064a\u0644 \u0627\u0644\u062f\u064a\u0648\u0646<\/strong> \u0648\u062a\u064f\u0636\u0627\u0641 \u062a\u0643\u0627\u0644\u064a\u0641 \u062e\u0627\u0631\u062c \u0627\u0644\u0642\u0636\u0627\u0621<\/strong> \u0625\u0644\u0649 \u0627\u0644\u062d\u0633\u0627\u0628.
9.2<\/strong> \u064a\u0645\u0643\u0646 \u0637\u0644\u0628 \u0627\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u0641\u0648\u0631\u064a<\/strong> \u0644\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u060c \u0648\u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0628\u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u062a\u062d\u0635\u064a\u0644<\/strong> \u0648\u0623\u062a\u0639\u0627\u0628 \u0627\u0644\u0645\u062d\u0627\u0645\u0627\u0629<\/strong>.
9.3<\/strong> \u0642\u062f \u0646\u0639\u0631\u0636 \u062a\u0645\u062f\u064a\u062f \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0633\u062a\u062d\u0642\u0627\u0642<\/strong> \u0643\u062e\u062f\u0645\u0629 \u0648\u0641\u0642 \u062a\u0642\u062f\u064a\u0631\u0646\u0627.<\/p>\n

10. \u062d\u0642\u0648\u0642\u0646\u0627<\/strong><\/p>\n

10.1<\/strong> \u062a\u062d\u062f\u064a\u062f \u062d\u062f \u0625\u062c\u0645\u0627\u0644\u064a \u0644\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a (“\u0627\u0644\u062d\u062f”)<\/strong> \u064a\u0638\u0647\u0631 \u0641\u064a \u0627\u0644\u062d\u0633\u0627\u0628.
10.2<\/strong> \u064a\u0646\u062e\u0641\u0636 \u0627\u0644\u062d\u062f \u0645\u0639 \u0643\u0644 \u0645\u0639\u0627\u0645\u0644\u0629<\/strong>.
10.3<\/strong> \u0642\u062f \u064a\u064f\u0639\u062f\u0651\u064e\u0644 \u0627\u0644\u062d\u062f \u0648\u0641\u0642 \u0627\u0644\u062c\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629\/\u0633\u062c\u0644 \u0627\u0644\u0633\u062f\u0627\u062f\/\u0627\u0644\u0646\u0634\u0627\u0637<\/strong>.
10.4<\/strong> \u0644\u0646\u0627 \u062d\u0642 \u0631\u0641\u0636 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a<\/strong> \u0648\u0644\u0633\u0646\u0627 \u0645\u0633\u0624\u0648\u0644\u064a\u0646 \u0639\u0646 \u0627\u0644\u0631\u0641\u0636.
10.5<\/strong> \u062a\u0641\u0648\u064a\u0636 \u0646\u0642\u0644 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0629<\/strong> \u0644\u0645\u0634\u063a\u0644\u064a \u0623\u0645\u0631\u064a\u0643\u0627\u0646 \u0625\u0643\u0633\u0628\u0631\u064a\u0633\/\u0641\u064a\u0632\u0627\/\u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f<\/strong> \u0644\u062a\u0642\u0631\u064a\u0631\/\u062f\u0631\u062c\u0629 \u0644\u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0642\u0631\u0636<\/strong>.
10.6<\/strong> \u062a\u0641\u0648\u064a\u0636 \u0627\u0644\u062a\u0646\u0633\u064a\u0642 \u0645\u0639 \u0627\u0644\u062a\u0627\u062c\u0631\/\u0627\u0644\u0648\u0633\u064a\u0637\/\u0627\u0644\u0648\u0643\u064a\u0644<\/strong> \u0644\u062e\u0641\u0636\/\u0625\u0644\u063a\u0627\u0621 \u0639\u0636\u0648\u064a\u0629\/\u0627\u0634\u062a\u0631\u0627\u0643\/\u062e\u062f\u0645\u0629 (“\u0627\u0644\u0625\u0644\u063a\u0627\u0621”<\/strong>).
10.7<\/strong> \u062a\u0641\u0648\u064a\u0636 \u0627\u0644\u062a\u0648\u0627\u0635\u0644 \u0645\u0639 \u0627\u0644\u0628\u0627\u0626\u0639\u064a\u0646\/\u0627\u0644\u0645\u0648\u0631\u062f\u064a\u0646\/\u0627\u0644\u0645\u0635\u0646\u0651\u0639\u064a\u0646<\/strong> \u0644\u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u0625\u0644\u063a\u0627\u0621.
10.8<\/strong> \u064a\u062c\u0648\u0632 \u0627\u0644\u062a\u0646\u0627\u0632\u0644\/\u0627\u0644\u0628\u064a\u0639\/\u0627\u0644\u0646\u0642\u0644<\/strong> \u0644\u062d\u0633\u0627\u0628\u0643\/\u0645\u0628\u0627\u0644\u063a\u0643 \u0644\u0637\u0631\u0641 \u062b\u0627\u0644\u062b \u0645\u0639 \u0625\u062e\u0637\u0627\u0631\u0643<\/strong>.
10.9<\/strong> \u0644\u0644\u0637\u0631\u0641 \u0627\u0644\u0645\u064f\u062d\u0627\u0644 \u0625\u0644\u064a\u0647 \u062c\u0645\u064a\u0639 \u062d\u0642\u0648\u0642\u0646\u0627<\/strong> \u0628\u0627\u0644\u0642\u062f\u0631 \u0627\u0644\u0645\u064f\u062d\u0627\u0644.
10.10<\/strong> \u0625\u062e\u0637\u0627\u0631 \u0648\u0645\u0648\u0627\u0641\u0642\u0629 \u0645\u0633\u0628\u0642\u0629 \u0645\u0646\u0643 \u0639\u0644\u0649 \u0623\u064a \u0625\u062d\u0627\u0644\u0629\/\u0628\u064a\u0639\/\u0646\u0642\u0644<\/strong> \u0648\u0641\u0642 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0631\u0642\u0645 22 \u0644\u0633\u0646\u0629 2004<\/strong> (\u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0645\u062f\u0646\u064a \u0627\u0644\u0642\u0637\u0631\u064a).
10.11<\/strong> \u064a\u062a\u062d\u0645\u0644 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u0645\u064f\u062d\u0627\u0644 \u0625\u0644\u064a\u0647 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a\u0646\u0627<\/strong> \u0628\u0627\u0644\u0642\u062f\u0631 \u0627\u0644\u0645\u0646\u0642\u0648\u0644.
10.12<\/strong> \u0642\u062f \u0646\u0641\u0635\u062d \u0639\u0646 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062d\u0633\u0627\u0628\/\u0627\u0644\u0633\u062f\u0627\u062f<\/strong> \u0644\u0644\u062c\u0647\u0629 \u0627\u0644\u0645\u064f\u062d\u0627\u0644 \u0625\u0644\u064a\u0647\u0627.<\/p>\n

11. \u0627\u0644\u0623\u0646\u0634\u0637\u0629 \u0627\u0644\u0645\u062d\u0638\u0648\u0631\u0629<\/strong><\/p>\n

\u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0639\u062f\u0645 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0644\u0623\u064a \u0646\u0634\u0627\u0637 \u063a\u064a\u0631 \u0642\u0627\u0646\u0648\u0646\u064a\/\u0627\u062d\u062a\u064a\u0627\u0644\u064a<\/strong>\u060c \u0648\u0627\u0644\u0625\u062e\u0637\u0627\u0631 \u0641\u0648\u0631\u064b\u0627 \u0628\u0623\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u063a\u064a\u0631 \u0645\u0635\u0631\u0651\u062d\/\u0627\u062e\u062a\u0631\u0627\u0642<\/strong>. \u0648\u064a\u064f\u062d\u0638\u0631: \u0627\u0646\u062a\u0647\u0627\u0643 \u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646<\/strong>\u060c \u062a\u0642\u062f\u064a\u0645 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0645\u0636\u0644\u0644\u0629<\/strong>\u060c \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u063a\u064a\u0631<\/strong>\u060c \u0627\u0644\u0623\u062f\u0648\u0627\u062a \u0627\u0644\u062e\u0628\u064a\u062b\u0629<\/strong>\u060c \u0623\u0639\u0628\u0627\u0621 \u063a\u064a\u0631 \u0645\u062a\u0646\u0627\u0633\u0628\u0629<\/strong> (\u0647\u062c\u0645\u0627\u062a \u062d\u062c\u0628 \u0627\u0644\u062e\u062f\u0645\u0629\/\u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u0645\u0632\u0639\u062c)\u060c \u0627\u0644\u062f\u062e\u0648\u0644 \u063a\u064a\u0631 \u0627\u0644\u0645\u0635\u0631\u0651\u062d<\/strong>\u060c \u0641\u062a\u062d \u062d\u0633\u0627\u0628\u0627\u062a \u0645\u062a\u0639\u062f\u062f\u0629<\/strong>\u060c \u0645\u0636\u0627\u064a\u0642\u0629<\/strong> \u0645\u0648\u0638\u0641\u064a\u0646\u0627\/\u0648\u0643\u0644\u0627\u0626\u0646\u0627\/\u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646\u060c \u0627\u0644\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0639\u0643\u0633\u064a\u0629\/\u0627\u0644\u062a\u0639\u062f\u064a\u0644 \u062e\u0627\u0631\u062c \u0627\u0644\u062a\u0631\u062e\u064a\u0635<\/strong>\u060c \u0648\u0625\u0639\u0627\u062f\u0629 \u0625\u0646\u062a\u0627\u062c\/\u062a\u0648\u0632\u064a\u0639<\/strong> \u0627\u0644\u0645\u0648\u0642\u0639\/\u0627\u0644\u062a\u0637\u0628\u064a\u0642\/\u0627\u0644\u0645\u062d\u062a\u0648\u0649.<\/p>\n

12. \u062d\u0642\u0648\u0642 \u0627\u0644\u0646\u0632\u0627\u0639<\/strong><\/p>\n

12.1<\/strong> \u0634\u0643\u0627\u0648\u0649 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a<\/strong> \u0644\u062f\u0649 \u0627\u0644\u062a\u0627\u062c\u0631 \u0641\u0642\u0637<\/strong>\u061b \u0628\u0627\u064a \u0644\u0627\u062a\u0631 \u063a\u064a\u0631 \u0645\u0633\u0624\u0648\u0644\u0629<\/strong> \u0639\u0646 \u0627\u0644\u0623\u062f\u0627\u0621\/\u0627\u0644\u0645\u0644\u0627\u0621\u0645\u0629.
12.2<\/strong> \u0628\u0639\u062f \u062a\u0623\u0643\u064a\u062f \u0643\u062a\u0627\u0628\u064a<\/strong> \u0645\u0646 \u0627\u0644\u062a\u0627\u062c\u0631 \u0628\u0627\u0644\u0631\u062f\u060c \u0646\u064f\u0642\u064a\u062f \u0627\u0644\u0645\u0628\u0644\u063a \u0641\u064a \u062d\u0633\u0627\u0628\u0643.
12.3<\/strong> \u0644\u0627 \u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0645\u0628\u0627\u0634\u0631\u0629<\/strong> \u0644\u0643\u061b \u0627\u0644\u0631\u062f\u0648\u062f \u062a\u064f\u0642\u064a\u062f \u0628\u0627\u0644\u062d\u0633\u0627\u0628.
12.4<\/strong> \u0634\u0643\u0627\u0648\u0649 \u0628\u0627\u064a \u0644\u0627\u062a\u0631\/\u062e\u062f\u0645\u0627\u062a\u0647\u0627 \u0639\u0628\u0631 \u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0627\u062a\u0635\u0627\u0644<\/strong> \u0628\u0627\u0644\u0645\u0648\u0642\u0639.<\/p>\n

13. \u0627\u0644\u0633\u0631\u064a\u0629<\/strong><\/p>\n

13.1<\/strong> \u0639\u062f\u0645 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\/\u0625\u0641\u0635\u0627\u062d \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0633\u0631\u064a\u0629<\/strong> \u0625\u0644\u0627 \u0648\u0641\u0642 \u0627\u0644\u0634\u0631\u0648\u0637.
13.2<\/strong> \u0627\u0644\u0625\u0641\u0635\u0627\u062d \u0639\u0646\u062f \u0627\u0644\u0625\u0644\u0632\u0627\u0645 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a<\/strong>\/\u0644\u0645\u0646 \u062a\u0642\u062a\u0636\u064a \u0645\u0647\u0627\u0645\u0647<\/strong> \u0645\u0639 \u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0627\u0644\u0633\u0631\u064a\u0629<\/strong>\/\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627 \u0641\u064a \u062e\u062f\u0645\u0629 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a<\/strong> \u0648\u0641\u0642 \u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629\u060c \u0648\u0643\u0630\u0644\u0643 \u0623\u0645\u0627\u0645 \u0627\u0644\u0642\u0636\u0627\u0621<\/strong> \u0639\u0646\u062f \u0627\u062e\u062a\u0635\u0627\u0645 \u0627\u0644\u0639\u0645\u064a\u0644 \u0645\u0639 \u0622\u062e\u0631\u064a\u0646.
13.3\u201313.5<\/strong> \u0627\u062a\u062e\u0627\u0630 \u062e\u0637\u0648\u0627\u062a \u0645\u0639\u0642\u0648\u0644\u0629<\/strong> \u0644\u062d\u0645\u0627\u064a\u062a\u0647\u0627 \u0648\u062a\u0633\u0631\u064a \u0639\u0644\u0649 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0642\u0628\u0644 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0633\u0631\u064a\u0627\u0646<\/strong>.
13.6<\/strong> \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062a\u0627\u062c\u0631 \u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0628\u0627\u064a \u0644\u0627\u062a\u0631 \u0641\u0642\u0637 \u0644\u062a\u0633\u0647\u064a\u0644 \u0627\u0644\u0634\u0631\u0627\u0621<\/strong> \u0645\u0639 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645<\/strong> \u0628\u0644\u0648\u0627\u0626\u062d BNPL<\/strong>.
13.7<\/strong> \u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0644\u0645\u062f\u0629 \u0633\u0646\u062a\u064a\u0646 (2)<\/strong> \u0628\u0639\u062f \u0627\u0644\u0625\u0646\u0647\u0627\u0621.
13.8<\/strong> \u0625\u0642\u0631\u0627\u0631 \u0627\u0644\u0639\u0645\u064a\u0644 \u0628\u062d\u0642 \u0628\u0627\u064a \u0644\u0627\u062a\u0631 \u0641\u064a \u062f\u0639\u0648\u0649 \u0648\u0627\u062d\u062f\u0629<\/strong> \u0645\u0639 \u0645\u062a\u0639\u062b\u0631\u064a\u0646 \u0622\u062e\u0631\u064a\u0646 \u062f\u0648\u0646 \u0625\u062e\u0644\u0627\u0644 \u0628\u0627\u0644\u0633\u0631\u064a\u0629<\/strong>.<\/p>\n

14. \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0641\u0643\u0631\u064a\u0629<\/strong><\/p>\n

14.1<\/strong> \u0627\u0644\u0645\u062d\u062a\u0648\u0649 \u0639\u0628\u0631 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0645\u062d\u0645\u064a \u0648\u0645\u0645\u0644\u0648\u0643<\/strong> \u0644\u0628\u0627\u064a \u0644\u0627\u062a\u0631\/\u062a\u0627\u0628\u0639\u064a\u0647\u0627. \u064a\u062d\u0638\u0631 \u0627\u0644\u0646\u0633\u062e\/\u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0648\u0632\u064a\u0639\/\u0627\u0644\u0646\u0634\u0631<\/strong> \u062f\u0648\u0646 \u0625\u0630\u0646.
14.2\u201314.4<\/strong> \u0646\u0645\u0644\u0643\/\u0646\u062d\u062a\u0641\u0638 \u0628\u0627\u0644\u062d\u0642\u0648\u0642 \u0641\u064a \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0641\u0643\u0631\u064a\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629<\/strong> \u0648\u0627\u0644\u0645\u062d\u062a\u0648\u0649<\/strong>\u061b \u0648\u064a\u064f\u0645\u0646\u062d \u062a\u0631\u062e\u064a\u0635 \u0627\u0633\u062a\u062e\u062f\u0627\u0645<\/strong> \u0644\u0644\u0648\u0635\u0648\u0644 \u0648\u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0641\u0642\u0637.
14.5<\/strong> \u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629<\/strong> \u0644\u0628\u0627\u064a \u0644\u0627\u062a\u0631 (\u0648\u063a\u064a\u0631\u0647\u0627 \u0644\u0645\u0627\u0644\u0643\u064a\u0647\u0627) \u0648\u0644\u0627 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062f\u0648\u0646 \u0625\u0630\u0646 \u0643\u062a\u0627\u0628\u064a<\/strong>.<\/p>\n

15. \u0627\u0644\u062a\u0648\u0641\u0631 \u0648\u0627\u0644\u0623\u0645\u0627\u0646<\/strong><\/p>\n

15.1<\/strong> \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0633\u0631\u064a\u0629 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062f\u062e\u0648\u0644<\/strong> \u0648\u0627\u0644\u0625\u062e\u0637\u0627\u0631 \u0641\u0648\u0631\u064b\u0627 \u0639\u0628\u0631 \u0627\u0644\u062a\u0637\u0628\u064a\u0642.
15.2<\/strong> \u0627\u0644\u0633\u0645\u0627\u062d \u0644\u0644\u063a\u064a\u0631 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062d\u0633\u0627\u0628 \u064a\u062c\u0639\u0644\u0643 \u0645\u0633\u0624\u0648\u0644\u064b\u0627<\/strong> \u0639\u0646 \u0645\u0639\u0627\u0645\u0644\u0627\u062a\u0647 \u062d\u062a\u0649 \u0644\u0648 \u062a\u062c\u0627\u0648\u0632\u062a \u0627\u0644\u062d\u062f.
15.3<\/strong> \u0644\u0627 \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0644\u064a\u0646\u0627 \u0639\u0646 \u0623\u0641\u0639\u0627\u0644 \u0627\u0644\u063a\u064a\u0631<\/strong> \u0627\u0644\u0645\u062a\u0635\u0644\u0629 \u0628\u062a\u0644\u0643 \u0627\u0644\u0623\u0630\u0648\u0646\u0627\u062a.
15.4\u201315.6<\/strong> \u0644\u0627 \u0636\u0645\u0627\u0646 \u0627\u0646\u0642\u0637\u0627\u0639\/\u062a\u0648\u0642\u064a\u062a\/\u062e\u0644\u0648 \u0645\u0646 \u0627\u0644\u0623\u062e\u0637\u0627\u0621<\/strong>\u061b \u0642\u062f \u064a\u062d\u062f\u062b \u062a\u0639\u0644\u064a\u0642\/\u0633\u062d\u0628<\/strong> \u0648\u0635\u0648\u0644\u061b \u0648\u0642\u064a\u0648\u062f \u0627\u0633\u062a\u062e\u062f\u0627\u0645<\/strong>.
15.7<\/strong> \u0644\u0627 \u062a\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0628\u0627\u0633\u0645\/\u0645\u0633\u062a\u062e\u062f\u0645\/\u062c\u0647\u0627\u0632 \u0622\u062e\u0631<\/strong> \u0639\u0646\u062f \u0641\u0631\u0636 \u0642\u064a\u0648\u062f.
15.8<\/strong> \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0623\u0645\u0627\u0646 \u0627\u0644\u0647\u0627\u062a\u0641<\/strong>\u061b \u064a\u064f\u0646\u0635\u062d \u0628\u0639\u062f\u0645 \u0627\u0644\u0631\u0648\u062a\/\u0643\u0633\u0631 \u0627\u0644\u062d\u0645\u0627\u064a\u0629<\/strong>.
15.9\u201315.10<\/strong> \u0644\u0627 \u0636\u0645\u0627\u0646 \u0627\u0644\u062a\u0648\u0627\u0641\u0642<\/strong>\u060c \u0648\u0644\u0627 \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0646 \u0627\u0644\u0641\u064a\u0631\u0648\u0633\u0627\u062a\/\u0627\u0644\u0623\u0643\u0648\u0627\u062f \u0627\u0644\u0636\u0627\u0631\u0629<\/strong> \u0623\u0648 \u0623\u0641\u0639\u0627\u0644 \u0627\u0644\u063a\u064a\u0631<\/strong>.<\/p>\n

16. \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/strong><\/p>\n

16.1<\/strong> \u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0641\u0642 \u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0648\u0645\u0646\u0647\u0627 \u0642\u0627\u0646\u0648\u0646 13\/2016<\/strong> \u0648\u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629.
16.2<\/strong> \u0646\u062d\u062a\u0627\u062c \u0627\u0644\u0627\u0633\u0645\/\u0627\u0644\u0647\u0648\u064a\u0629\/\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0645\u064a\u0644\u0627\u062f\/\u0627\u0644\u0628\u0631\u064a\u062f\/\u0627\u0644\u0639\u0646\u0648\u0627\u0646\/\u0627\u0644\u0647\u0627\u062a\u0641\/\u062a\u0641\u0627\u0635\u064a\u0644 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a<\/strong>.
16.3<\/strong> \u0623\u063a\u0631\u0627\u0636 \u0627\u0644\u0645\u0639\u0627\u0644\u062c\u0629 \u062a\u0634\u0645\u0644: \u0627\u0644\u0641\u062d\u0635 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\/\u062a\u0623\u0643\u064a\u062f \u0627\u0644\u0647\u0648\u064a\u0629<\/strong>\u060c \u062a\u0633\u0647\u064a\u0644 \u0627\u0644\u062f\u0641\u0639<\/strong>\u060c \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0648\u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0623\u0639\u0645\u0627\u0644<\/strong>\u060c \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0648\u0627\u0644\u062a\u0630\u0643\u064a\u0631<\/strong>\u060c \u0627\u0644\u062a\u062d\u0635\u064a\u0644\/\u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629<\/strong>.
16.4<\/strong> \u0645\u0634\u0627\u0631\u0643\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0645\u0639 \u0627\u0644\u062a\u062c\u0627\u0631<\/strong> \u0623\u0648 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0645\u064f\u062d\u0627\u0644\u0629<\/strong> \u0644\u062d\u0633\u0627\u0628\u0643\/\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a\u0643 \u062f\u0648\u0646 \u0625\u062e\u0644\u0627\u0644<\/strong> \u0628\u0627\u0644\u0628\u0646\u062f 16.8.
16.5<\/strong> \u064a\u0645\u0643\u0646\u0643 \u0637\u0644\u0628 \u062a\u0641\u0627\u0635\u064a\u0644\/\u062a\u0635\u062d\u064a\u062d<\/strong> \u0628\u064a\u0627\u0646\u0627\u062a\u0643 \u0639\u0628\u0631: hello@paylaterapp.com<\/a><\/strong>.<\/p>\n

17. \u0625\u062e\u0644\u0627\u0621 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629<\/strong><\/p>\n

17.1<\/strong> \u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a (\u0642\u062f\u0631 \u0627\u0644\u0642\u0627\u0646\u0648\u0646) \u0628\u0634\u0623\u0646 \u0627\u0644\u0623\u062f\u0627\u0621\/\u0627\u0644\u0627\u0646\u0642\u0637\u0627\u0639\/\u0627\u0644\u062e\u0644\u0648 \u0645\u0646 \u0627\u0644\u0641\u064a\u0631\u0648\u0633\u0627\u062a\/\u062f\u0642\u0629 \u0627\u0644\u0645\u062d\u062a\u0648\u0649<\/strong>.
17.2<\/strong> \u0627\u0644\u0645\u0648\u0642\u0639\/\u0627\u0644\u062a\u0637\u0628\u064a\u0642 “\u0643\u0645\u0627 \u0647\u0648” \u0648”\u062d\u0633\u0628 \u0627\u0644\u062a\u0648\u0641\u0631”<\/strong> \u0648\u0639\u0644\u0649 \u0645\u0633\u0624\u0648\u0644\u064a\u062a\u0643<\/strong>.
17.3\u201317.5<\/strong> \u0644\u0627 \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0646 \u0627\u0644\u062e\u0633\u0627\u0626\u0631\/\u0627\u0644\u0623\u0636\u0631\u0627\u0631<\/strong> \u0627\u0644\u0646\u0627\u062a\u062c\u0629 \u0639\u0646 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\/\u0639\u062f\u0645 \u0627\u0644\u062a\u0648\u0641\u0631\u061b \u0648\u0627\u0633\u062a\u0628\u0639\u0627\u062f \u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0645\u0646\u0635\u0648\u0635 \u0639\u0644\u064a\u0647\u0627\u061b \u0648\u0627\u0633\u062a\u0628\u0639\u0627\u062f \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0644\u0644\u0637\u0631\u0641 \u0627\u0644\u062b\u0627\u0644\u062b.<\/p>\n

18. \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629<\/strong><\/p>\n

18.1<\/strong> \u0644\u0627 \u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629: \u0627\u0644\u0648\u0641\u0627\u0629\/\u0627\u0644\u0625\u0635\u0627\u0628\u0629<\/strong> \u0628\u0633\u0628\u0628 \u0627\u0644\u0625\u0647\u0645\u0627\u0644\u060c \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644<\/strong>\u060c \u0623\u0648 \u062e\u0633\u0627\u0626\u0631 \u0644\u0627 \u064a\u064f\u0645\u0643\u0646 \u0627\u0633\u062a\u0628\u0639\u0627\u062f\u0647\u0627.
18.2<\/strong> \u0644\u0627 \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0646 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u063a\u064a\u0631 \u0627\u0644\u0645\u0628\u0627\u0634\u0631\u0629\/\u0627\u0644\u062a\u0628\u0639\u064a\u0629<\/strong> (\u0627\u0644\u0623\u0639\u0645\u0627\u0644\/\u0627\u0644\u0623\u0631\u0628\u0627\u062d\u2026).
18.3<\/strong> \u0645\u0639 \u0645\u0631\u0627\u0639\u0627\u0629 18.1\u060c \u0645\u0633\u0624\u0648\u0644\u064a\u062a\u0646\u0627 \u0639\u0646 \u0627\u0644\u0636\u0631\u0631 \u0627\u0644\u0645\u0628\u0627\u0634\u0631 \u0644\u0627 \u062a\u062a\u062c\u0627\u0648\u0632 \u0642\u064a\u0645\u0629 \u0637\u0644\u0628 \u0627\u0644\u0634\u0631\u0627\u0621 \u0639\u0628\u0631 \u0627\u0644\u062a\u0637\u0628\u064a\u0642<\/strong>.
18.4\u201318.5<\/strong> \u0634\u0631\u0627\u0621 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u064a\u062e\u0636\u0639 \u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u062a\u0627\u062c\u0631<\/strong>\u060c \u0648\u0644\u0633\u0646\u0627 \u0648\u0643\u0644\u0627\u0621<\/strong> \u0644\u0647\u061b \u0648\u0644\u0627 \u0636\u0645\u0627\u0646<\/strong> \u0644\u062d\u0627\u0644\u0629\/\u0645\u0644\u0627\u0621\u0645\u0629 \u0627\u0644\u0633\u0644\u0639\u061b \u0648\u062a\u0648\u062c\u0651\u064e\u0647 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0644\u0644\u062a\u0627\u062c\u0631<\/strong>\u061b \u0625\u0628\u0631\u0627\u0621 \u0630\u0645\u0629<\/strong> \u0628\u0627\u064a \u0644\u0627\u062a\u0631 \u0648\u0634\u0631\u0643\u0627\u062a\u0647\u0627\/\u0645\u0648\u0638\u0641\u064a\u0647\u0627\/\u0648\u0643\u0644\u0627\u0626\u0647\u0627 \u0628\u0627\u0644\u0642\u062f\u0631 \u0627\u0644\u0645\u0633\u0645\u0648\u062d \u0642\u0627\u0646\u0648\u0646\u064b\u0627.<\/p>\n

19. \u0627\u0644\u0645\u062f\u0629 \u0648\u0627\u0644\u0625\u0646\u0647\u0627\u0621<\/strong><\/p>\n

19.1<\/strong> \u0633\u0631\u064a\u0627\u0646 \u0627\u0644\u0634\u0631\u0648\u0637 \u0637\u0648\u0627\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0644\u0644\u062e\u062f\u0645\u0627\u062a<\/strong>.
19.2\u201319.3<\/strong> \u064a\u0645\u0643\u0646 \u0627\u0644\u062a\u0639\u0644\u064a\u0642\/\u0627\u0644\u0625\u063a\u0644\u0627\u0642\/\u0627\u0644\u0625\u0646\u0647\u0627\u0621<\/strong> \u0648\u0641\u0642 \u062a\u0642\u062f\u064a\u0631\u0646\u0627.
19.4<\/strong> \u0633\u062f\u0627\u062f \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u063a\u064a\u0631 \u0627\u0644\u0645\u0633\u062f\u062f\u0629 \u062e\u0644\u0627\u0644 7 \u0623\u064a\u0627\u0645<\/strong> \u0645\u0646 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0625\u0646\u0647\u0627\u0621.
19.5\u201319.7<\/strong> \u0644\u0627 \u064a\u064f\u0646\u0647\u064a \u0630\u0644\u0643 \u0634\u0631\u0648\u0637 \u0627\u0644\u0634\u0631\u0627\u0621 \u0645\u0639 \u0627\u0644\u062a\u062c\u0627\u0631<\/strong>\u061b \u0648\u062a\u0638\u0644 \u062d\u0642\u0648\u0642\u0643\/\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a\u0643<\/strong> \u0648\u0641\u0642\u0647\u0627\u061b \u0648\u0646\u062d\u062a\u0641\u0638 \u0628\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u0643<\/strong> \u062d\u0633\u0628 \u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629.<\/p>\n

20. \u062d\u0644 \u0627\u0644\u0646\u0632\u0627\u0639\u0627\u062a<\/strong><\/p>\n

20.1<\/strong> \u0639\u0646\u062f \u0646\u0632\u0627\u0639\/\u062a\u0623\u062e\u0631 \u0633\u062f\u0627\u062f\u060c \u0625\u062e\u0637\u0627\u0631 \u0643\u062a\u0627\u0628\u064a \u0644\u0645\u062f\u0629 \u0623\u0633\u0628\u0648\u0639<\/strong> \u0625\u0644\u0649 \u0628\u0631\u064a\u062f\u0643 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u060c \u062b\u0645 \u064a\u062d\u0642 \u0644\u0628\u0627\u064a \u0644\u0627\u062a\u0631 \u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0625\u062c\u0631\u0627\u0621 \u0627\u0644\u0645\u0646\u0627\u0633\u0628<\/strong>.
20.2<\/strong> \u0627\u0644\u0627\u062e\u062a\u0635\u0627\u0635 \u0627\u0644\u062d\u0635\u0631\u064a<\/strong> \u0644\u0645\u062d\u0627\u0643\u0645 \u062f\u0648\u0644\u0629 \u0642\u0637\u0631<\/strong>.
20.3<\/strong> \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u062d\u0627\u0643\u0645: \u0642\u0648\u0627\u0646\u064a\u0646 \u062f\u0648\u0644\u0629 \u0642\u0637\u0631<\/strong>.
20.4<\/strong> \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643 \u0628\u0634\u0623\u0646 \u0627\u0644\u0633\u0644\u0639 \u0628\u064a\u0646\u0643 \u0648\u0628\u064a\u0646 \u0627\u0644\u062a\u0627\u062c\u0631<\/strong> (\u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0628\u0627\u064a \u0644\u0627\u062a\u0631 \u0628\u0627\u0644\u0642\u062f\u0631 \u0627\u0644\u0645\u0633\u0645\u0648\u062d \u0642\u0627\u0646\u0648\u0646\u064b\u0627).<\/p>\n

21. \u0628\u0646\u0648\u062f \u0645\u062a\u0646\u0648\u0639\u0629<\/strong><\/p>\n

21.1 \u062d\u0648\u0627\u0644\u0629 \u0627\u0644\u062d\u0642:<\/strong> \u064a\u062d\u0642 \u0644\u0628\u0627\u064a \u0644\u0627\u062a\u0631 \u0625\u062d\u0627\u0644\u0629 \u062d\u0642\u0647\u0627<\/strong> \u0648\u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u0643\u0627\u0645\u0644 \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u0645\u062a\u0639\u062b\u0631\u0629<\/strong> \u0644\u0637\u0631\u0641 \u062b\u0627\u0644\u062b\/\u0645\u062e\u0648\u0644 \u062f\u0648\u0646 \u0645\u062e\u0627\u0644\u0641\u0629 \u0627\u0644\u0633\u0631\u064a\u0629.
21.2 \u0627\u0644\u0633\u0646\u062f \u0627\u0644\u0625\u0630\u0646\u064a:<\/strong> \u064a\u0642\u0631 \u0627\u0644\u0639\u0645\u064a\u0644 \u0628\u0623\u0646 \u062a\u0648\u0642\u064a\u0639\u0647 \u0639\u0644\u0649 \u0627\u0644\u0633\u0646\u062f \u0627\u0644\u0625\u0630\u0646\u064a \u064a\u062e\u0648\u0644 \u0628\u0627\u064a \u0644\u0627\u062a\u0631 \u062a\u0642\u062f\u064a\u0645\u0647 \u0644\u0644\u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u0645\u062e\u062a\u0635\u0629<\/strong>.
21.3 \u0627\u0644\u0625\u062e\u0637\u0627\u0631\u0627\u062a:<\/strong> \u0627\u0644\u0625\u062e\u0637\u0627\u0631\u0627\u062a \u0639\u0628\u0631 \u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a<\/strong> \u0645\u064f\u0639\u062a\u0628\u0631\u0629 \u0642\u0627\u0646\u0648\u0646\u064b\u0627 \u0648\u062a\u0646\u062a\u062c \u062c\u0645\u064a\u0639 \u0622\u062b\u0627\u0631\u0647\u0627<\/strong>\u060c \u0648\u064a\u064f\u0639\u062f \u0627\u0644\u0625\u062e\u0637\u0627\u0631 \u0628\u0642\u0628\u0648\u0644 \u0627\u0644\u062d\u0648\u0627\u0644\u0629 \u0639\u0628\u0631 \u0627\u0644\u0628\u0631\u064a\u062f \u0645\u064f\u0644\u0632\u0645\u064b\u0627<\/strong>.
21.4 \u0643\u0627\u0645\u0644 \u0627\u0644\u0634\u0631\u0648\u0637:<\/strong> \u0647\u0630\u0647 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0647\u064a \u0627\u0644\u0627\u062a\u0641\u0627\u0642 \u0627\u0644\u0643\u0627\u0645\u0644<\/strong> \u0648\u062a\u062d\u0644 \u0645\u062d\u0644 \u0627\u0644\u0633\u0627\u0628\u0642 \u0643\u062a\u0627\u0628\u0629\/\u0634\u0641\u0627\u0647\u0629.
21.5 \u0639\u062f\u0645 \u0627\u0644\u062a\u0646\u0627\u0632\u0644:<\/strong> \u0644\u0627 \u064a\u064f\u0639\u062f \u0639\u062f\u0645\/\u062a\u0623\u062e\u0631<\/strong> \u0645\u0645\u0627\u0631\u0633\u0629 \u0627\u0644\u062d\u0642 \u062a\u0646\u0627\u0632\u0644\u064b\u0627<\/strong> \u0639\u0646\u0647\u061b \u0648\u0644\u0627 \u064a\u0643\u0648\u0646 \u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0646\u0627\u0641\u0630\u064b\u0627 \u0625\u0644\u0627 \u0643\u062a\u0627\u0628\u064a\u064b\u0627<\/strong>.
21.6 \u0628\u0646\u064a\u0629 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629:<\/strong> \u0639\u0646\u0627\u0648\u064a\u0646 \u0627\u0644\u0623\u0642\u0633\u0627\u0645<\/strong> \u0644\u0644\u062a\u0633\u0647\u064a\u0644 \u0641\u0642\u0637 \u0648\u0644\u0627 \u062a\u0624\u062b\u0631 \u0639\u0644\u0649 \u0627\u0644\u062a\u0641\u0633\u064a\u0631\u061b \u0644\u0627 \u062a\u064f\u0633\u062a\u062e\u062f\u0645 \u0642\u0627\u0639\u062f\u0629 \u062a\u0641\u0633\u064a\u0631 \u0627\u0644\u063a\u0645\u0648\u0636 \u0636\u062f \u0627\u0644\u0645\u064f\u0639\u062f<\/strong>.
21.7 \u0642\u0627\u0628\u0644\u064a\u0629 \u0627\u0644\u0641\u0635\u0644:<\/strong> \u0628\u0637\u0644\u0627\u0646 \u062d\u0643\u0645 \u0644\u0627 \u064a\u0645\u0633\u0651 \u0628\u0627\u0642\u064a \u0627\u0644\u0623\u062d\u0643\u0627\u0645<\/strong> \u0648\u062a\u0638\u0644 \u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u0625\u0646\u0641\u0627\u0630 \u0625\u0644\u0649 \u0623\u0642\u0635\u0649 \u062d\u062f<\/strong>.
21.8 \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f\u0648\u0646 \u0627\u0644\u062e\u0627\u0631\u062c\u064a\u0648\u0646:<\/strong> \u0644\u0627 \u062d\u0642\u0648\u0642 \u0644\u0637\u0631\u0641 \u062b\u0627\u0644\u062b<\/strong> \u0625\u0644\u0627 \u0625\u0630\u0627 \u0646\u064f\u0635 \u0635\u0631\u0627\u062d\u0629.
21.9 \u0627\u0644\u0644\u063a\u0629:<\/strong> \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0648\u0627\u0644\u0625\u0646\u062c\u0644\u064a\u0632\u064a\u0629\u061b \u0648\u0639\u0646\u062f \u0627\u0644\u062a\u0639\u0627\u0631\u0636 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0645\u064f\u0639\u062a\u0645\u062f\u0629<\/strong>.
21.10<\/strong> \u064a\u064f\u0642\u0631 \u0627\u0644\u0639\u0645\u064a\u0644 \u0628\u0623\u0646 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0628\u0631 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\/\u0627\u0644\u062a\u0642\u0627\u0637 \u0635\u0648\u0631\u0629 \u0634\u062e\u0635\u064a\u0629\/\u0627\u0644\u062a\u0648\u0642\u064a\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a<\/strong> \u062a\u064f\u0639\u062f \u0645\u0648\u0627\u0641\u0642\u0629 \u0645\u0633\u0628\u0642\u0629<\/strong> \u0639\u0644\u0649 \u062c\u0645\u064a\u0639 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0645\u0630\u0643\u0648\u0631\u0629 \u0623\u0639\u0644\u0627\u0647.<\/p>\n","protected":false},"excerpt":{"rendered":"

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