User's Agreement

Update date 20.06.2024

(Agreement on the provision of information services using the Tool)

1. General provisions.

This Public Offer (Offer) on Provision of Information Services is a public offer of 404 Projects LP (hereinafter referred to as the Operator) and determines the terms of use and provision of this website User of Operator Services (hereinafter referred to as the Agreement). This Offer is official public offering of 404 Projects LP to conclude the Agreement and addressed to individuals with legal capacity to have rights and duties, who are users of this website. The current version of the Offer is posted on this website of the Operator, for familiarization by the User without fail until the date of acceptance of the terms of the Offer. The Agreement is considered to be signed and acquires the force of the agreement of accession from the moment the User performs the actions provided for by paragraph 3.2 Agreements which denote the full and unconditional acceptance by the User of all the terms of the Agreement without any exemptions and/or restrictions. Operator and User are collectively referred to as “Parties”, and separately - “Party”. Each Party shall guarantee the other Party that it has the necessary legal competence and legal capacity, as well as all rights and powers necessary and sufficient to conclude and execute the Agreement in in accordance with its terms.

2. Terms and definitions applied in the Agreement

For the purposes of the Agreement, the following terms are used in the following meaning:

  • Authorization data — data that allows authentication of the User. By default, Authorization data is the User's login and password. Other types of Authorization Data may be used in cases established by this Agreement.
  • Authentication — certification of the User's eligibility to perform operations using the Service or obtaining information about transactions using the Service in the manner provided for by this Agreement. Authentication of the User for operations using the Tool is carried out by the Operator's software on the basis of the authorization data entered by the User.
  • Application is an digital document formed by the User through the provision of Information using the Tool.
  • Information — provided by the User and used by the Operator to form the Report, information about the preferred parameters of the services, as well as information about the User, including his Personal Data.
  • The credit provider is a legal entity carrying out microfinance activities in the territory of the country, information about which is entered in the state register of microfinance organizations, which provides a loan to the borrower under the terms provided for by the loan agreement.
  • Personal account — User account on the Operator's Website, formed by the Operator for the purposes of provision and accounting of the Services. Operator — 404 Projects LP, providing Users the Services, as well as performing other actions related to the use of the Tool.
  • Report — a digital document, formed by the Operator on the basis of the Application, containing a list of available for the User, in the region specified by him, the proposals of the Credit providers for the provision of a loan the parameters selected by the User and provided to the User through placement in the Personal Account.
  • User —— an individual who has access to the Site, has passed the registration procedure and has received individual Authorization Data, as well as having his/her Personal Account.
  • Website of the Operator (Site) — the information resource of the Operator in the information and telecommunication network of the Internet (hereinafter referred to as the Internet), using which the User receives access to the Operator Tool to form the Application.
  • Tool— information and technology system of the Operator, placed on the Operator's Website, allowing to form and transfer the User's Application for consideration of the Credit provider, in order to receive a loan by the User.
  • Support Service — the Operator's division, which provides the User on his request (via telephone or e-mail with the participation of the Operator's employee) information on the use of the Tool.
  • Rates — a list of types and amounts of compensation of the Operator for provided Services.
  • Service — actions of the Operator, including the collection and processing of Information as part of the Application, aimed at preparation and provision to the User information materials on the proposals of Credit providers, satisfying the requirements formed by the User using the Tool, as well as the Operator's submission of User Applications for consideration of Credit providers, in order to obtain a loan by the User.

3. Subject of Agreement

3.1. This Agreement determines the conditions and procedure for the Operator's services provision to the User using the Operator Service.

3.2. Acceptance (admittance) of the terms of this Agreement is the marking of consent to the terms of this Agreement in the registration field at the time of registration of the User.

3.3. Payment for Operator Services is carried out by the User, according to the Section 6 of this Agreement.

4. Terms and conditions of the Service provision.

4.1. Registration on the Site.

4.1.1. To obtain access to the Tool, the User is obliged to join to the terms of this Agreement when registering the User on the Site. The User's marking on acceptance of the terms of this Agreement, at the time of registration of the User on the Site, is an acceptance of this Agreement.

4.1.2. User registration on the Website is carried out by filling out the corresponding registration form. During the registration on the Site, the User enters full name, date of birth of the User, phone number, e-mail address and password, i.e., creates an account (Personal Account).

4.1.3. The User undertakes to reflect in the registration form reliable, complete and accurate information about himself and keep this information up to date. The provision of personal data is carried out by the User according to the Section 7 of this Agreement.

4.1.4. The User agrees that he is solely responsible for maintaining the confidentiality of the Authorization Data related to his or her Personal Account, which he or she uses to access the Site. Also, the User agrees that he or she is solely responsible in front of the Operator for all actions that are committed when using his or her (User) Personal Account.

4.1.5. In case, the User becomes aware of any unauthorized usage of his or her Authorization Data, the User undertakes to notify the Operator immediately by contacting the Service support.

4.1.6. The User undertakes not to place (and in the case of placement - independently be fully responsible) during registration on the Site surname, first name, patronymic, e-mail address, and other personal information of other Users or any third parties without their personal consent to such actions expressly expressed in any confirmed form.

4.2. General rules for the Service usage

4.2.1. In order to use the Services provided by the Operator under this Agreement, the User shall undergo the mandatory application procedures specified in the Agreement.

4.2.2. In order to make an Application, the User is obliged to provide Information according to the requirements specified in Appendix No. 1 to this Agreement. During the formation the Application, the User has the right at his discretion to choose the parameters of the desired loan: the amount, the term of the loan, as well as to set and change the method of granting the loan, in limits (limits) set by the Operator.

4.2.3. The application is completed with the operation of payment for Services by the User. The User pays for services under this Agreement in the amount and manner established in Section 6 of this Agreement.

4.2.4. Upon receipt of the Application, Operator:

  • confirms receipt of the Application and assigns the Application number;
  • forms and provides the User a Report by placing in the User's Personal Account;
  • sends the Application for consideration to possible Credit providers (from the list of Credit providers posted on the Site);

4.2.5. The Operator's obligations under the Agreement are limited to the provision of Services related to the implementation of intermediary activities in terms of analysis and selection of financial products (proposals) Credit providers that meet the requirements of the User. If the Lender provides a loan to the User, the Operator is not a party to the contract concluded between the User and the Lender, and accordingly does not regulate or control compliance transactions to the requirements of the law and other legal acts, its conditions, as well as the fact and consequences of conclusion, execution and termination of the contract, including in terms of loan repayment, as well as does not consider Claims of the User concerning the default (improper performance) by the Lender of obligations under such a contract.

4.2.6. The Operator does not guarantee the granting of loans by Credit providers when the User forms the Application, but only selects the most likely financing options (proposals) and sends the Application for consideration by possible Credit providers. The decision to grant the loan is made by the Credit provider. No information about the financial products (offers) of Credit providers provided by the Operator in the Report to the User shall be of the nature of the offer for the provision of financial services.

4.2.7. User service is carried out by the Operator 24 hours 7 days a week. Actions of the Operator aimed at the execution of this Agreement, performed not automatically, shall be performed by the Operator on working days, which are such, according to the law.

5. Rights and obligations of the Parties.

5.1. Rights and obligations of the Operator:

5.1.1 The Operator undertakes to provide the User the possibility of round-the-clock access to the Site, as well as to the Personal Account using Authorization Data.

5.1.2. The Operator has the right to verify and pre-moderation of the information provided by the User.

5.1.3. The Operator undertakes to review all Applications and provide Reports on them, that each Application is fully completed by the User, the User has read the terms of this Agreement.

5.1.4. The Operator undertakes to inform Users about changes (additions) of the terms of the Agreement by publishing a new edition on the Site.

5.1.5. The Operator has the right to block the User's Account in case of violation of the rules of this Agreement.

5.1.6. The Operator shall have the right to suspend the operation of the Website and/or the Tool, as well as hardware and software that ensure interaction of the Parties within the framework of this Agreement, in case of detection of significant faults, errors and failures, as well as for prevention and prevention of unauthorized access.

5.1.7. The Operator has the right to limit the amount of the loan amount, to form an application, for certain categories of Users. Restrictions may be due, in particular, to use or non-use of additional services of the Operator by the User. Specific restrictions considered by this clause are indicated on the Site.

5.2. Rights and obligations of the User:

5.2.1. The User undertakes to comply with the rules of this Agreement.

5.2.2. The User undertakes to provide reliable Information during the registration process on the Site and in the future while using the Tool.

5.2.3. The User undertakes not to reproduce, repeat or copy, sell or resell, nor to use any part of the Service for any commercial purposes other than those cases where such permission is given in writing to the User by the Operator.

5.2.4. The User undertakes to access the Site using his Authorization Data at the same time from only one device.

5.2.5. The User undertakes to independently and in a timely manner get acquainted to the information about changes in the Rates and terms of this Agreement on the Website.

5.2.6. The User undertakes to pay for the Services according to the rates, within the terms and conditions established by the Operator

5.2.7. The User has the right to submit claims to the Operator and submit statements in the manner and cases provided by this Agreement.

6. Cost of services and settlement procedure

6.1. The cost of Operator Services is set by the Operator in the Rates published on the Site.

6.2. The Operator has the right to solely change (increase, decrease), set new, cancel existing Rates fully or partially. In case, the User's disagreement with the change (introduction into operation) of the new Rates, the User has the right to solely refuse to perform this Agreement.

6.3. Payment of remuneration shall be made by the User in the manner provided for the relevant Rate and published on the website in the section Rates. A different payment procedure is possible according to the terms of the shares (special offer) at the time of confirmation using the Application Service.

6.4.In case if there are not enough funds on the User's Bank Card - the Operator provides the service to the User according to the postpayment scheme, by automatically debiting funds from the Bank card User on the 5th day after the provision of the service. The number of attempts to deduct funds from the User's card by the Operator, in case of not successful deduction, can not exceed 6 attempts.

6.5. Payment for the services of the Operator is carried out using a bank card on the Site (or in other ways by prior agreement with the Operator, incl. with the usage of Internet technologies, not contrary to legislation).

6.6. When providing the Services, the act on provision services is not formed and is not signed. Services shall be considered properly provided and fully accepted by the User if within one calendar day after the expiration of the service period the Operator did not receive from the User motivated written objections on the quality of services provided by email [email protected]. The absence of any written comments within the prescribed period is considered to be an acknowledgement of the proper quality of services.

6.7. Refund of funds to the User is made only on the bank (payment) card with the use of which payment was made for the Operator's Services. In case of any reason the User needs to receive funds not for the bank (payment) card using which the payment of the Operator's Services was made, the User should inform us about this by e-mail [email protected] and act according to the algorithm of actions submitted by the Operator.

6.8. The User hereby understands and fully understands that the Operator makes a refund immediately after he or she has assumed the appropriate obligation to return. This will depend on the participants of the relevant payment transaction for the return of funds to the User.

6.9. The user has the right to cancel a paid subscription - to refuse paid Operator Services. In order to cancel a paid subscription - to refuse paid Operator Services, the User must perform one of the following actions:

a) follow the link specified in the email with login and password to enter the Personal Account and perform all necessary steps in this regard;

b) click on the “Cancel Subscription” link available at the bottom of the main page of the Site, as well as in the Rates section of the Site, and perform all necessary actions in this regard.

6.10. In case of any reason the User does not have the opportunity to perform one of the actions specified in clause 6.9. of this Agreement, the User must inform the Support Service about it.

6.11. By canceling a paid subscription — you refuse from the Operator's paid services, the User refuses to perform this Agreement.

7. Personal Data

7.1. By posting personal, other data and information on the Site the User confirms that he or she has read and agrees with the Policy regarding the processing of personal data posted on the Site, as well as provides the Operator with the Consent to the processing of personal data for the purpose of execution of the Agreement.

7.2. The purpose of processing personal data of the User is to provide the User with Services, to provide the User with the opportunity to use the Service, conduct advertisement campaigns targeted advertising, and other actions described in the Agreement.

7.3. Processing of the User's personal data is carried out within the period from the moment of registration of the User on the Site until the User withdraws the Consent to the data processing.

7.4. The User agrees that the Operator will send information about promotions carried out by the Operator and/or any of its partners (including Creditors), and other information not prohibited for distribution in accordance with the law to the email address specified by the User.

8. Responsibility of parties.

8.1. In case of non-performance or improper performance of the terms of this Agreement, the Parties shall bear the responsibility provided for by this Agreement and the legislation.

8.2. The Operator, by the means of moderation, monitors the correctness of the information posted by the User, but is not responsible for the consequences arising in the consequence of non-compliance by the User to the requirements specified in paragraph 4.1.3.- 4.1.6 of this Agreement.

8.3. The User agrees that the Tool provided to him or her by the Operator may be the object of intellectual property, the rights to which are protected.

8.4. With respect to text materials (articles, publications that are freely publicly available on the Site), their distribution is allowed, provided that an active link to the Site is given.

8.5. The Operator shall not be liable for any direct or indirect losses that have occurred to the User in connection with the use of either the inability to use the Site or its individual services User, as well as in case of unauthorized access of third parties to the User's Personal Account, using correct User Authorization Data.

8.6. The Operator shall not be liable for the act or omission of the Credit providers making the loan, nor for any information and any information on the terms of the loan, provided by the Credit provider. The decision to grant a loan is made by Credit providers, while the Operator does not guarantee the provision of loans or loans, but only selects the most likely financing options.

8.7. The Operator is not responsible for achieving any results related to the practical application of the information provided to the User in the Report. Any information provided by the Operator on the proposals of the Credit providers is used by the User at his or her own risk.

8.8. The Operator is not responsible for non-compliance of the Service with the expectations of the User and/or for his or her subjective assessment, such discrepancy with expectations and/ or negative subjective evaluation are not grounds for considering services rendered not qualitatively or not in an agreed amount.

8.9. Under no circumstances shall the Operator be liable, compensated or compensated in cases of:

a) ignorance, lack of familiarity, non-compliance by the User with the terms of this Agreement;

b) negligent attitude of the User to security measures and protection of personal and other data of the User;

c) obtaining unauthorized access by a third party to the Personal Account, to personal and other data of the User;

d) for the fact that the User could not reach, as well as for non-delivery by communication systems and untimely reading, as well as the User's failure to read sms messages and (or) emails, sent by the Operator;

e) the inability to fulfill the obligations assumed by the User due to unreliability, insufficiency and untimely provision by the User of the information requested by the Operator/ Service, or due to violation of the terms of the Agreement by the User;

e) for the absence of the User, for any reason, properly issued documents necessary for the conclusion of a loan agreement with the Credit provider.

8.10. Under no circumstances does the Operator:

a) does not act as a co-executor/co-supplier with the Credit provider and does not participate in disputes between the User and the Credit provider;

b) does not provide legal services, also does not advise on the requirements for a set of documents necessary to sign a loan agreement with the Credit provider;

c) does not represent the interests of the User in front of the Credit provider, as well as to other persons. Liability to the User as a borrower arising from the loan agreement shall be borne by the Credit provider according with the applicable law. The User is solely responsible for the late treatment of claims to the Credit provider and/or for non-compliance with the formalities associated with such appeal, including legal;

d) bears no responsibility for the incorrect operation of the Site due to the complex topological network infrastructure distribution of the Internet.

8.11. Under the terms, reservations and limitations set forth in the Agreement, the Operator shall be liable only for intentional, documented real damage caused as a result of proven and the fact that the Operator's obligations were not fulfilled by the Operator due to the fault of the Operator.

9. Dispute Resolution

9.1. All disputes and disagreements that may arise on the initiative of the User on matters not resolved in the text of this Agreement shall be resolved in compliance with pre-trial claims of order. In case the appeared dispute is not resolved within 60 (sixty) working days from the date of receipt of the User's claim, the Parties shall submit the dispute for consideration at the location of the Operator according to the procedure determined by the current legislation of the Russian Federation.

9.2. For the purposes of this Agreement, a claim means the appeal of the User (his representative, who presented the duly formalized powers to represent the interests of the User in the relationships with the Operator) sent to the Operator, the subject of which is the submission by the User of civil legal requirements in connection with the occurrence, in the opinion, of the applicant, non-performance of obligations (improper performance) by the Operator to this User arising from this Agreement.

9.3. The Operator after receiving a written application from the User, including the claim, is obliged within 30 (thirty) calendar days from the date of receipt of the application to review it and report on the results consideration to the User.

9.4. The response to the User's application (including the claim) is sent to his or her email address specified by the User during registration. In case, a decision regarding a full satisfaction of the claim, the Operator has the right to perform the relevant actions without sending the User an answer to satisfy the claim.

10. Final Provisions

10.1. The recognition of any provision of this Agreement as invalid, insignificant or non-enforceable shall not entail the invalidity or nullity of the Agreement as a whole.

10.2. Amendments and/or additions to this Agreement (as well as the adoption of the Agreement in a new version) shall enter into force from the moment of their publication on the website, unless otherwise established by the Operator, date of entry into force of the relevant amendments and/or additions.

10.3. The User understands and agrees that if he uses the Site after the date of entry into force of the relevant amendments and/or additions to this Agreement (as well as the Agreement as amended), this will be regarded as the fact of acceptance by the User of relevant amendments and/or additions to this Agreement (as well as the Agreement in the new edition).

10.4. The User has the right to refuse execution of this Agreement by cancelling a paid subscription in the manner provided in the paragraph 6.9 of this Agreement, which means the user's refusal from use of the Site or Tool.

10.5. The terms of the Agreement are binding for the Operator and the User, as well as their successors.

10.6. The User shall not have the right to transfer, fully or partially, his or her rights arising from the Agreement to third parties without the written consent of the Operator.

10.7. The Operator has the right, without reservation and at any time, to transfer, assign, transfer any rights and obligations under the Agreement in fully or partially to third parties upon his or her own choice.

10.8. The digital version of the Agreement, any email or text message shall be equal to official communication on paper media, shall be considered as appropriate evidence and have the same effect, that any other paperwork and should be used in resolution of all claims and disputes that may arise from the Agreement.

10.9. The version of the Agreement, any email or text message printed on paper does not require an additional notary certificate and must be used in resolution of all claims and disputes that may arise from the Agreement.

10.10. User:
fully read the terms of this Agreement;
fully understands the subject of this Agreement;
fully understands the meaning and consequences of his or her actions with respect to the conclusion and execution of this Agreement.