Moscow, 2020



This document "User Agreement" (hereinafter referred to as the Agreement) is a proposal of the Limited Liability Company "NT-Finance" (TIN 7707377460, OGRN (Primary State Registration Number) 5167746497111) (hereinafter referred to as the Right Holder, Website Administration), addressed to any individual (indefinite circle of individuals), who has expressed readiness to conclude the Agreement on the terms and conditions set forth below (hereinafter referred to as the User).


1.1. For the purposes of the Agreement, the following terms are used with the following meaning:

Website - is a set of texts, graphic elements, design, images, program code, photo and video materials and other results of intellectual activities of the Website Administration, contained in the Internet at the following address:;

User a capable individual, who has joined this Agreement for his/her own hand, or acting on behalf and in the interests of the legal entity, represented by him, who has entered the Website, filled in the online forms on the Website and accepted the conditions of this Agreement;

Personal data - the data, specified by the User in the online forms of the Website (name, surname, patronymic, date of birth, e-mail address, telephone number, etc.);

Personal Data processing - the list of actions with the User's personal data: collection, recording, classification, accumulation, storage, refinement (updating, modification), extraction, use, transfer (distribution, provision of access), depersonalization, blocking, deletion, User's personal data erasure, transfer at the court's request, including to the third parties, observing the measures, providing protection of personal data from unauthorized access;

. Content - all objects posted to the Website, including design elements, text, graphic images, illustrations, video, scripts, programs, music, sounds and other objects, and their collections, which are the objects of exclusive rights of the Website Administration, the Users and other right holders, all rights to these objects are protected.

1.2. The terms, not defined in clause 1.1 of the Agreement, may be used in the Agreement, in which case the interpretation of such term shall be performed in accordance with the text of the Agreement. In the absence of unambiguous interpretation of the term in the text of the Agreement, one shall be guided by the interpretation of the term defined: first of all - by the legislation of the Russian Federation, secondly - on the website, then - by the established (commonly used) in the "Internet".

1.3. The Agreement (including any of its parts) may be amended by the Administration without any special notice.

The latest version of the Agreement shall replace all previous Agreements between the Website Administration and the User. The previous version of the Agreement shall be considered invalid, shall lose its effect, and may no longer be considered as the fundamental document, regulating the relations between the User and the Website Administration. The revised version of the Agreement shall enter into force on the date, specified at the website Upon failure by the User to agree with the amendments and (or) amendments to this Agreement, the User shall stop using the Website resources.

1.5. User by joining the Agreement and providing his/her data to

- confirms that all data specified by him/her belong to him/her personally,

- confirms and acknowledges that he/she have carefully read this Agreement and the terms of personal data processing by the Website Administration, the text of the Agreement and the terms of personal data processing are clear to him/her;

- expresses his consent to the terms of personal data processing without reservations and restrictions and confirms that by giving such consent, he acts freely, at his own will and in his own interests.

1.6. By accepting the terms and conditions of the Agreement, the User also in accordance with the p. 1, Art. 18 of the Federal Law of 13.03.2006 № 38-FZ "On Advertising" and Art. 44.1 of the Federal Law of 07.07.2003 № 126-FZ "On Communications" gives his consent to receive information and (or) promotional mailing by phone (via SMS messages) and (or) e-mail from the the Website Administration.


2.1. The Website Administration shall not be responsible for complete or partial interruptions in the Website operation, related to the replacement/malfunctions of the equipment, software or maintenance and other works realization, action of the providers or other reasons, which are beyond the control of the Website Administration.

2.2. The Website Administration shall not be responsible for ensuring security and correct operation of the User's equipment and software used for access to the Website.

2.3. The Website may contain links to other sites in the Internet (third party sites). The mentioned third parties and the information shall not be verified by the Website Administration for compliance with any requirements (reliability, completeness, legality, etc.). The Website Administration shall not be responsible for any information, data posted at the websites of the third parties, to which the User gets access via the service, including any opinions or statements, expressed at the websites of the third parties, advertising, etc., as well as for availability of such websites and consequences of their use by the User.

2.4. The Website Administration shall not be responsible for the availability of the websites of the third parties, hyperlinks to which were found using the search function of the Website.

2.5. The Website Administration shall not be responsible for the User's visits and using external resources, the links to which may be placed on the Website.

2.6. The Website Administration shall be responsible for the advertising, posted to the Website, within the limits, established by the legislation of the Russian Federation and contractual relations.

2.7. The Website Administration shall not be responsible and shall have no direct or indirect liabilities to the User in connection with any possible or incurred losses or damages, related to any contents of the Website, registration of copyrights and the information on such registration, goods or services, available on the Website or obtained through external websites or resources or other contacts of the User, which the User entered into, using the information posted on the Website or references to external resources.

By registering and using the services at the Website, the User gives its consent to comply with all terms and conditions of this Agreement.


3.1. The User is fully responsible for the proper performance of its obligations under this Agreement in accordance with the laws of the country of his permanent residence.

3.2. The User agrees not to take any actions that may be considered as violating Russian legislation or international law, including in the domain of intellectual property, copyright and / or related rights, universal moral principles and ethics, as well as any actions that result to or may result in a breach of normal operation of the Website.

3.3. The use of the Website materials without the consent of the copyright holders is prohibited.

3.4. Except for the cases, stipulated by this Agreement, as well as by the current legislation of the Russian Federation, no Content may be copied (reproduced), processed, distributed, displayed in a frame, published, downloaded, transferred, sold or otherwise used as a whole or as a part without prior consent of the right holder, except for the cases, when the right holder has explicitly expressed his/her consent to free use of the Content by any person. Prohibited copying, reproduction, distribution, re-publish, upload, display or transmission of the Content for the purpose of database creation for commercial and/or non-commercial purposes and/or use of the Content in full or in any part thereof, regardless of the method of use, without prior written consent of the Administration.

3.5. In quoting the Website materials, including protected copyright works, the reference to the Website shall be obligatory.


4.1. This Agreement is to be governed by and to be interpreted in accordance with the laws of the Russian Federation. The issues not regulated by this Agreement shall be resolved in accordance with the legislation of the Russian Federation.

4.2. All possible disputes arising out of this Agreement or related to it shall be settled in accordance with the current legislation of the Russian Federation.

4.3. In case of any disputes or disagreements, related to fulfillment of the rules hereof, the User and the Website Administration shall make every effort to resolve them through negotiations between them. If the disputes are not resolved by negotiations, the disputes shall be resolved in accordance with the procedures, established by the current legislation of the Russian Federation.

4.4. The recognition by the court of any provision of the Agreement as invalid or unenforceable shall not entail invalidity of other provisions of the Agreement.

4.5. Negligence on the part of the Website Administration, in case any User violates the provisions of the Agreement, shall not deprive the Website Administration of the right to take appropriate actions later to protect its interests and copyright for the Website materials, protected in accordance with the legislation.
Personal Account is under construction