Frequently asked questions

Finmind (finmind.uz) is an all-in-one financial-intelligence platform for Uzbekistan. It consolidates the country's capital markets, valuations, commodities, banking rates and macro data into one workspace, with tools for investing, budgeting, tax, advisory and more.

Retail investors, brokers and institutions, banks/insurers/funds, regulators and educators: anyone who needs Uzbekistan's scattered financial data unified and made actionable.

No. Finmind gives you information and tools. For trading it connects to your existing fondbozori.uz brokerage account, and it never holds your money.

One workspace for every Uzbek financial data source, transparent comparable metrics, honest data (we never fabricate a price or a number), halal-aware tooling, free market pages and learning, Essentials for your own money, and two more paid plans for the rest.

Finmind works as an app on your phone. Open it in your phone browser and choose 'Add to Home Screen'. A store app may follow.

English, Uzbek (Latin script) and Russian. Switch with the language menu at the top of the page, and a signed-in Finmind account keeps the choice on every device. Market data, issuer names and statutory terms stay as their sources publish them.

There are three plans, and all three are paid. Essentials covers your own money: the portfolio of your brokerage account with its statements and imports, watchlists, price alerts, the AI assistant, manual orders through your own brokerage account, bill and subscription reminders, the card and bank account vault, savings circles, the debt book and the payout calendar. Premium opens every other analytic and tool, including stop-loss and take-profit. Expert adds automation, AI trading, copy trading and advisory. Without a plan, every Finmind account keeps the market, stock and bond pages, the order book, the UCI index and CBU gold prices, courses, the simulator and the connection of a brokerage account, all free. Essentials is paid once and stays yours for good; Expert and Premium are bought for 30 days or a year, and nothing renews automatically. Organisations evaluate the basic features for their type, then agree a contract.

No. Every Finmind account keeps the free parts with no time limit: the market pages, learning and the connection of your brokerage account. Essentials adds the tools for your own money, Premium opens every other analytic and tool in one purchase, and Expert is only for automation, AI trading and advisory. Single features are no longer sold, and a feature bought separately before the plans keeps working until its period ends.

Not at first. Every Finmind account that existed when Essentials became a paid plan keeps Essentials free for 12 months, counted from the day Finmind first shows you the notice about it. The notice names your last free day. Nothing is charged when the 12 months end; to keep Essentials after that, you pay for it once and it stays yours for good.

The pricing page shows the three plans and their prices in UZS: Expert and Premium monthly or annual, Essentials once. "Compare all features" lists which plan includes each feature. Inside the app, the Features page shows your plan and takes you to checkout.

No. There is no trial of the paid plans, but every Finmind account keeps a free tier with no time limit: the market, stock and bond pages, the market-wide order book, the UCI index and CBU gold prices, courses and quizzes, the connection of your fondbozori.uz brokerage account, and the Beginner Simulator. The tools for your own money are in the Essentials plan: the portfolio and statement import, watchlists and price alerts, the AI assistant, placing orders by hand through your brokerage account, bill and subscription reminders, the card and bank account vault, savings circles, the debt book and the payout calendar. A Finmind account that existed when Essentials became a paid plan keeps Essentials free for 12 months. The money rules cheatsheet is in Premium. Automation (stop-loss and take-profit, algo trading and autopilot, copy trading and AI trading) stays paid, in the Expert and Premium plans, and nothing paid unlocks itself: a plan switches on once its payment is confirmed. An organisation's evaluation period is a separate thing, for organisation accounts only. For a guided walkthrough or a team pilot, ask us through the form below.

All prices are in Uzbek som (UZS).

Essentials has no end date; Expert and Premium run for a set time. Nothing renews, so there is nothing to cancel: Expert and Premium access simply ends with its term. Refunds follow the refund policy: ask through support or in the Telegram bot, with your payment reference. Telegram Stars go back through Telegram, other payments by bank transfer.

Choose Expert, Premium or Essentials on the pricing page (for Expert or Premium pick monthly or annual; Essentials has one price), and pay on the one checkout screen: by card where it is offered, in Telegram Stars, or by QR or transfer against the reference the page shows. Student, referral and campaign discounts are applied automatically. What you paid for Essentials counts once toward your first Expert or Premium purchase. The plan switches on once the payment is confirmed.

Official and reputable sources: fondbozori.uz and uzse.uz (shares), uzex.uz (commodities), the Central Bank of Uzbekistan (exchange rates, gold, government bond yields, bank rates), UZRVB, UZCSD (dividends and coupons), stat.uz (economic statistics), and Yahoo Finance for global commodities and indices.

Some data is close to live (share prices refresh through the trading session; global commodity prices are about 15 minutes old), and some is end-of-day or updated when the official source publishes. Every figure is dated and labelled.

Never. Honest data is a core rule: if a price, rate, dividend or score isn't available, we show an honest 'unavailable' instead of a fabricated value.

fondbozori does not publish a live order book during the day, so we show the real prices of the last session and say plainly that the order book is not available, rather than inventing one.

Valuations combine company fundamentals, price trends and, where available, market sentiment, using official filings. They are analysis, not guarantees. Always do your own research.

We show the CBU official rate alongside commercial-bank buy and sell rates, each with its own date and time, so you can find the best real rate.

Yes, through your own brokerage account at a licensed broker on fondbozori.uz, and live trading is part of the Essentials plan. You can place market and limit orders and cancel them. Each order goes through a review-and-confirm step first and is checked against the exchange's price limits before it is sent. Without Essentials you can still sell what you hold through Finmind and cancel your orders. Finmind is not a broker and holds no money.

Safe by default. An order reaches your broker only when Finmind's live trading is switched on and your own Live trading setting is on too. Every order needs your review and confirmation, and an order priced outside the allowed limits is blocked. When either is off, nothing is sent to your broker: the order is only recorded as a practice order.

Only from your broker. fondbozori publishes no fill confirmation, so an order the exchange accepted is shown as submitted with the broker's own order number, never as filled. A traded quantity is recorded only when your broker's own order list reports one; until then the status is shown as unknown, not as zero.

Shares listed on the exchange can trade within 20% above or below the base price each day, and over-the-counter shares within 100%. Finmind shows those upper and lower limits and rejects any order outside them.

Finmind watches your holding for you (the exchange does not hold the stop) and places a sell order if the price falls to the level you set. It works only after you switch it on yourself, only during market hours and only on a current price. Nothing is sold on an old or missing price. A take-profit works the same way and sells when the price reaches your target. Stop-loss and take-profit are part of the Premium plan.

The exchange runs 09:30–16:00 Tashkent time (09:30–10:00 opening, 15:30–16:00 closing auctions), Monday to Friday.

No. Nothing automatic places a real order unless you have switched it on yourself, within firm limits, and Finmind's main live-trading switch is on. By default, nothing automatic touches real money.

Yes. Binance and Telegram Wallet (TON) can be connected, for viewing only: we show your balances and prices and never place orders. Your access keys are stored encrypted.

Yes, in the Expert plan. The AI Trading Lab lets you build strategies with machine learning on UZSE shares, test them on past prices they were not trained on, and practise with virtual money automatically. Automatic live AI trading is closed: the AI proposes trades, nothing is sent to your broker without your approval, and an approved suggestion goes to the broker as an order.

Yes. Predictions are estimates, and shares that trade rarely have little data behind them; how a strategy did on past prices does not predict the future. That is why practice with virtual money is the default, and an approved suggestion is an order like any other, with firm limits on losses and position size.

Yes. The models are trained on real price history and report a real confidence level. If there is too little data to train honestly, the strategy gives no signal. Nothing is faked.

Automatic live AI trading is closed. An order that follows a suggestion you approve must still pass a main switch (off by default), a cap on position size, a daily loss limit, a limit on trades per day, a list of the securities it may trade, a halal screen and the normal order checks.

Yes. The AI Assistant turns plain requests ('balance my portfolio', 'remove haram instruments') into proposed actions that you approve before they run. It uses only your own data and Finmind's information. Approved trades follow the same rules as manual orders, so nothing real is sent unless live trading is switched on, and you can also reach the assistant through the linked Telegram bot.

Finmind provides analysis and tooling, not personalized investment advice or a guarantee of returns. You always decide and approve actions.

Yes. Instruments are screened: interest-bearing bonds and preferred shares are treated as non-compliant (riba), while common stock is shown as undetermined, never labeled halal without an official ruling.

Yes. It works out zakat at 2.5% of your net zakatable assets against the real nisab (the threshold: 85g of gold at the current price, in UZS). If a price is missing, it says so instead of guessing.

An income-purification calculator, a sukuk tracker, and murabaha (fixed cost-plus sale) and ijara (lease) calculators, with careful, honest labeling that never presents riba as halal.

Yes. The AI's halal screen blocks bonds and preferred shares from automatic trading, and you set the list of what it may trade.

Yes. Sensitive details (brokerage credentials, card numbers, PINs and security codes, bank and deposit account numbers) are stored encrypted and shown masked, with only the last four digits visible until you ask to reveal them. Amounts are stored exactly, to the cent.

Your data belongs to your Finmind account, so other users never see your portfolio, budget or messages. Finmind staff see only what a support request or a payment review needs, and never your brokerage credentials, which stay encrypted.

Your brokerage credentials are stored encrypted and used only to read your own brokerage account and to place orders on your instruction. They are never shown, and never saved in readable form.

They are stored encrypted and masked in every list; the full number is shown only when you click the eye icon.

No. The installable app never saves your signed-in data or personal details on your device, only the plain screen layout it needs to open.

Yes. Optional two-factor sign-in sends a one-time code to your Telegram when you log in. It is switched on only after a test code has reached you, so you cannot be locked out by a channel that never worked.

Click Get Started / Login and register with your email. Creating a Finmind account is free. Choose Expert, Premium or Essentials on the pricing page when you want more than the free parts.

Use the password reset on the login screen, or contact support if you're stuck.

Yes. It fits any phone screen and you can add it to your home screen like an app.

A global search (next to the notifications bell) lets you jump to any feature or page quickly. It is rolling out across the app.

Yes. Settings, then Privacy and data, gives you one downloadable file with your profile and every record linked to your Finmind account; the Reports feature also exports your net worth, portfolio and transactions as PDF and Excel.

In Settings, under Privacy and data, after confirming it is you. Deletion runs 14 days later and you can cancel until then; your broker credentials and Telegram chat are removed at once, and payment records are kept as accounting documents. If you cannot sign in, write to support.

Yes. It calculates personal income tax, applies the 0% exemption on gains from securities traded on the UZSE, and can produce a summary for your filing.

85 grams of gold at the latest market price, converted to UZS at the current USD/UZS rate, all from real sources.

Yes. The official CBU exchange rates, government bond yields, the refinancing rate and the history of each currency are all included.

Yes. Real dividend and bond-coupon data from the Central Securities Depository (UZCSD) is available in the Dividends feature.

Yes. UZEX commodities and their weekly quotes are covered, alongside global commodities from Yahoo Finance.

Yes. The Beginner Simulator gives you 100M UZS of virtual money to buy and sell at real prices, with full profit and loss tracking and a reset button. It's never connected to any exchange, so there's zero real-money risk.

Yes. Structured investing and personal-finance courses from beginner to expert, with lessons, key terms, quizzes and per-user progress.

Candlestick charts with trading volume and full price history, and a hover that shows the open, high, low, close and volume, for any listed security and for global commodities.

Yes. Compare 2 to 20 shares side by side (return, how much the price swings, and an overlay chart on one scale), and compare returns across whole categories: UZSE shares, gold, silver, platinum, copper, oil, Bitcoin and the S&P 500.

Yes. A shared household budget (Oila/uy budjeti) lets family members budget together, with strict privacy between households.

Use the contact form below. It reaches our team directly, and we'll get back to you by email.

We aim to reply within a couple of business days. Urgent trading issues are prioritized.

Yes. Sign in, then choose Give feedback under Settings, then Support. It reaches the team directly.

Yes. Reach out about team access, onboarding and custom needs, and we'll follow up.