Offerta pubblica

This document is a public offer (proposal) by Self-Employed Alexey Sergeevich Lozhkin (hereinafter referred to as the "Contractor") to enter into a paid agreement for the provision of information services with any interested party (hereinafter referred to as the "Customer") under the terms set forth below. Acceptance of the offer is considered to be the Customer's payment for the selected service (Information Product) under the terms of this offer.

Contractor:
Self-Employed Alexey Sergeevich Lozhkin, TIN 262518524138,
Address: 357500, Stavropol Krai, Essentuki, Pyatigorskaya St., 121,
Tel.: +7 (991) 111 2712, Email: help@yookarma.ru.

Customer: any legally capable user of the website https://yookarma.ru (hereinafter referred to as the "Site").

1. Key Terms and Definitions

1.1. Site — the online resource located at https://yookarma.ru, owned by the Contractor, which contains information about Information Products (numerology calculators, articles, analytical materials), their descriptions, prices, and purchase procedures.

1.2. Information Product (Product) — a collection of materials (text, graphics, multimedia) and/or electronic tools (numerology calculators, tests) posted on the Site, to which the Contractor provides the Customer with paid access. Information Products include, but are not limited to:
– "Destiny Matrix";
– "Compatibility";
– "Chakra Analysis";
– "Financial Matrix";
– "Personal Brand";
– "Children's Matrix";
– other similar online calculators, informational reports, and related materials (guides, instructions, analytics).

1.3. Service — the provision by the Contractor of remote access to the selected Information Product under the terms specified in this offer and the selected Tariff. The Service includes the technological capability to launch and use calculators, download/view materials, and obtain results.

1.4. Tariff — a specific set of services and volume of materials provided, as defined by the Contractor (e.g., "Basic," "Unlimited for 1 Day," "Unlimited for 1 Month"). Descriptions of Tariffs, their features, the list of included Information Products, and current prices are posted on the Site in the "Tariffs" section.

1.5. Order — a request submitted by the Customer through the Site for the provision of the selected Service, specifying personal data, the selected Tariff, and payment method.

1.6. Acceptance of the Offer — the Customer's full and unconditional acceptance of the terms of this offer, carried out by paying for the selected Tariff under the conditions outlined in Section 3.

1.7. Personal Account — the Customer's personal page, accessible after registration and/or authorization on the Site. Through the Personal Account, the Customer can track order statuses, receive calculation results, view the history of purchased Information Products, and changes to the offer terms.

1.8. Personal Data — any information relating to a directly or indirectly identified individual (Customer), provided by them when placing an Order (full name, email, phone number, date of birth, etc.), as well as other data disclosed during interaction with the Contractor.

1.9. Calendar Day and Business Day — within the Russian Federation, a calendar day is any day of the week, including weekends and holidays; a business day is a day from Monday to Friday, excluding official weekends and holidays of the Russian Federation.

2. General Provisions

2.1. This document is a public offer (proposal) by the Contractor to enter into a Paid Agreement for the Provision of Information Services (hereinafter referred to as the "Agreement") under the terms set forth below. The offer is drafted in accordance with Articles 435, 438, 445 of the Civil Code of the Russian Federation, Federal Law No. 152-FZ of July 27, 2006 "On Personal Data," the Law of the Russian Federation No. 2300-1 of February 7, 1992 "On Consumer Rights Protection," and other applicable laws of the Russian Federation.

2.2. The condition for concluding the Agreement is the Customer's acceptance of the Offer, i.e., full and unconditional payment for the selected Tariff (clause 3.1). Payment is considered made at the moment the funds are actually received into the Contractor's account (or the account/cash desk of the payment operator, if payment is made through an intermediary).

2.3. The Agreement is considered concluded from the moment of payment and remains in effect until the parties fully fulfill their obligations. For the purposes of applying the norms of the Civil Code of the Russian Federation, the date of conclusion of the Agreement is the date the Contractor receives confirmation of payment (Article 438 of the Civil Code of the Russian Federation).

2.4. The Contractor has the right to unilaterally change the terms of the Offer (including Tariff prices, the procedure for providing Services, and other essential terms) by posting a new version of the Offer on the Site. The amended terms come into force 7 calendar days after the date of publication on the Site. The Customer is considered notified of the changes from the moment of publication of the new version. If the Customer does not agree with the changes, they have the right to refuse to accept the Offer (not make payment). For Orders placed and paid before the date the changes take effect, the previous terms of the Offer apply.

2.5. If the Customer does not agree with any provision of the Offer, they must refrain from taking actions aimed at its acceptance (in particular, from making payment).

2.6. All appendices, instructions, additional agreements, and Addenda to this Offer are an integral part of the Agreement if they are referenced in the text of the Offer or were sent to the Customer for review before acceptance.

3. Subject of the Agreement and Order Procedure

3.1. The Contractor undertakes to provide the Customer with access to the selected Information Product (or Tariff) in the scope, description, and functionality specified in the selected Tariff, and the Customer undertakes to pay for the selected Tariff under the terms of this Offer.

3.2. The description of each Information Product, its functionality, access periods, technical requirements, as well as the price and content of Tariffs are posted on the Site in the "Tariffs" section. The Contractor reserves the right to change the characteristics of Information Products and their prices; new characteristics and prices come into force from the moment of publication on the Site and do not apply to already paid Orders.

3.3. The Order is considered placed, and the Agreement is considered concluded from the moment of payment for the selected Tariff. Before payment, the Customer has the right to familiarize themselves with the content of the Tariff and the description of Information Products but does not receive access to closed sections of the Site or paid calculators.

3.4. To place an Order, the Customer performs the following actions:

3.4.1. The Customer must register on the Site (provide a name, email address, password) or log in via social networks (VKontakte, Yandex, etc.). Registration is mandatory, as it allows the Customer to maintain an Order history and use the Personal Account.
3.4.2. Select the desired Information Product or corresponding Tariff on the Site.
3.4.3. Fill out the Order form: provide full name (if required), email address, contact phone number, and (if necessary) other data (e.g., date of birth, gender) for accurate calculator results.
3.4.4. Select a payment method and proceed to the payment system.
3.4.5. Pay for the Order in accordance with the terms of clause 4.

3.5. After payment confirmation (the moment funds are received into the Contractor's account or the payment operator's account), the Contractor sends the Customer an email (receipt/invoice) and provides access to the purchased Information Product. Access may be provided:
– through the Personal Account on the Site, within 5 minutes after payment;
– via a link sent to the Customer's email, if the product's functionality does not require authorization through the Personal Account.

3.6. The Information Product is considered properly provided from the moment of the Customer's first actual use (e.g., first launch of the calculator) or after 2 (two) business days from the date of payment, if within this period the Customer has not sent a justified complaint to the email help@yookarma.ru. If the Customer discovers significant violations during this