Public Offer

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, Taxpayer ID (INN) 262518524138,
Address: 357500, Stavropol Krai, Essentuki, Pyatigorskaya St., 121,
Tel.: +7 (991) 111 2712, Email: help@yookarma.com.

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";
– "Child 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 Customer's chosen 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 functionality, 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 chosen Tariff, and payment method.

1.6. Acceptance of the Offer — the Customer's full and unconditional acceptance of the terms of this offer, executed 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 monitor 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, and 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 reserves the right to unilaterally amend the terms of the Offer (including Tariff prices, service procedures, and other material terms) by publishing a new version of the Offer on the Site. The amended terms take effect 7 calendar days after publication on the Site. The Customer is considered notified of the changes from the moment of publication of the new version. If the Customer disagrees with the changes, they may refuse to accept the Offer (by not making payment). For Orders placed and paid before the effective date of the changes, the previous terms of the Offer apply.

2.5. If the Customer disagrees 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 referenced in the text of the Offer or if they were provided 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 chosen Tariff, and the Customer undertakes to pay for the selected Tariff under the terms of this Offer.

3.2. Descriptions of each Information Product, its functionality, access periods, technical requirements, as well as prices and Tariff contents are posted on the Site in the "Tariffs" section. The Contractor reserves the right to modify the characteristics of Information Products and their prices; new characteristics and prices take effect upon 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 may review the Tariff contents and Information Product descriptions but does not gain access to restricted 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 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, 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 granted:
– Through the Personal Account on the Site, within 5 minutes of payment;
– Via a link sent to the Customer's email, if the product 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 a calculator) or after 2 (two) business days from the payment date, if the Customer has not submitted a justified complaint to the email help@yookarma.com within this period. If the Customer discovers material defects (technical malfunctions, incorrect calculator operation, discrepancies with the description) during this period, they must submit a complaint with a detailed