General Terms and Conditions of the YooMoney Service

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1. GENERAL TERMS

1.1. These General Terms and Conditions were developed and approved by the Board of Limited Liability Company Non-bank Credit Organization "YooMoney" (OGRN (Primary National Registration Number) 1127711000031, TIN 7750005725, banking license No. 3510-K) as the standard conditions of contracts concluded as part of interaction with the YooMoney Service with legal entities, individual entrepreneurs, individuals who use the special tax regime “Self-Employment Tax” or conduct business activities in any other status (on any other basis) provided for under their personal law.

1.2. In the General Terms and Conditions the following terms are used in the following meanings:

Authorization — the procedure implemented via PS of making a request and approving by the Issuer of a payment for Products or donation with a Card.

Agent — a legal entity or sole proprietor promoting the informational and technological services by the Operator under the Contract entered into.

Marketplace Moderator — a legal entity, individual entrepreneur, individual who uses the special tax regime “Self-Employment Tax” in accordance with the Federal Law No. 422-FZ “On experiment of special tax regime “Self-employment Tax” or conducts business activities in any other status (on any other basis) provided for under their personal law, organizing the sale of its own Products and/or Products of other persons using the Marketplace owned by it.

Purchase Protection Service Moderator (PPS Moderator) — a legal entity, individual entrepreneur, individual who uses the special tax regime "Self-employment Tax" in accordance with the Federal Law No. 422-FZ “On experiment of special tax regime “Self-employment Tax” or conducts business activities in any other status (on any other basis) provided for under their personal law, providing services to individuals within the Purchase Protection Service.

Certificate of Services Rendered (Certificate) — a document that certifies the services rendered under the Contract for the Reporting Month. The form of the Certificate of Services Rendered is set by the Operator and may be changed unilaterally by the Operator.

Bank — the credit organization or the other organization that is entitled to transfer funds in accordance with the effective local legislation, and that provides informational and technological services to the Operator when Money Transfers are performed in favor of Clients, Merchants, and/or Providers (their clients or clients of the credit organizations that are partners of Providers) under the Contract entered into with the Operator. The Bank is not a foreign payment service provider in the meaning of the Russian legislation.

Payment Agent (BPA) — the bank payment agent engaged by the Operator for accepting cash from individuals, including via ATMs, under the Contract entered into in accordance with these General Terms and Conditions.

Currency of the Obligation — the currency of the payments performed between the Operator and the Counterparty under the monetary obligation arising from the Contract.

Currency of the Product — the currency used to state the price of Products and other objects of civil rights in payment of which Money Transfers are performed.

Payment Refund — full or partial refund of the Money Transfer amount at any time after the day of sending the Money Transfer Notification to the Counterparty.
Payment Refund is caused by the Counterparty via one of technically available method that is described on the Operator's Website and/or available at the Merchant Profile at the moment of Payment Refund performing. These means include but not limited to:

• the payment order that was received from the Counterparty;

• the Counterparty’s order furnished via the Merchant Profile;

• the Counterparty’s order furnished via the MWS, YooMoney API or Sberbank PI (API) if these protocols are implemented by the Counterparty;

• the Counterparty’s order furnished by other means agreed by the Parties.

A Payment Refund initiated by the Operator/Payment Aggregator is performed without the Counterparty's consent if it refers to Fraudulent or Invalid Transactions.

Data — an information of the Payer, Client, Counterparty, its employees and authorized representatives, including personal data of individuals, IP addresses, e-mails, phone numbers, full names and other data.

Contract — any of the contracts specified in Clause 1.5. of these General Terms and Conditions. When using the term in relation to a particular Counterparty, a “Contract” refers to the type of contract that may be entered into under Clause 1.5. of these General Terms and Conditions.

Deposit — the Operator’s activity aimed at accounting of funds that the Sender provided in the Client’s favor in the form of remaining electronic funds balance and at its crediting to the Client’s electronic payment means served by the Operator.

Placing Marketing Materials Application (Application) — an electronic document sent to the Operator by the Advertiser and containing Marketing materials description, the conditions for its placement and other information necessary for the provision of services under the Contract. The Placing Marketing Materials Application Form is established by the Operator.

Application — the Counterparty’s offer addressed to the Operator, and, in cases stipulated by Section 9 of Annex No. 4.1b, – to the Operator and the Payment Aggregator, to enter into a Contract on the terms set forth in the Application and these General Terms and Conditions.

Provider — the organization entitled to transfer funds by order of individuals in accordance with the effective local legislation and to which the Operator, under the Contract entered into between the Operator and the Provider, provides informational and technological services when performing Money Transfers in favor of the Provider, clients of the Provider, or clients of the credit organizations that are partners of the Provider.

Card — a PS payment card that can be used by its holder (hereinafter - Cardholder) for transactions with funds kept by the Issuer in accordance with the Russian legislation, PS rules and under agreement concluded with the Issuer. In some cases, instead of or in addition to the rules of the PS, the rules of the national payment card system - NSPK JSC may be applied.

Product Card — an advertising and information material containing information about the Product and its seller (contractor), provided by the Advertiser for the placement on the Platforms.

Client — an individual of at least fourteen years of age who has entered into the Wallet Money Transfer agreement or any other payment service contract with the Operator.

Click — a click-through by the user to the link in the Marketing Materials.

Counterparty — any of the mentioned: Agent, Payment Agent, Bank, Provider, Merchant, Sender, Advertiser, Marketplace Moderator, PPS Moderator.

Wallet — an electronic payment means served by the Operator to the Clients on the basis of the Agreement on Money Transfers without Opening an Account Using the YooMoney Service on the Operator’s Website at https://yoomoney.ru/page?id=522764.

Lead — any action by the user of Internet or computer program, which is the basis for the receipt of remuneration by the Operator under the Contract concluded with the Advertiser. In particular, such actions may include, but are not limited to:

• A Click;

• Entry (use) of the promotional code by the user;

• filling in the application form;

• Ordering of products (services, works);

• Payment for products (services, works);

• Registration on the website.

The description of the Lead is contained in the Marketing Application for posting Marketing Materials.

Merchant Profile — computer software with an interface located and/or available on the Internet on the Operator’s Website and displayed by the software for viewing Internet websites (web-browser) or a special mobile application (provided that the Merchant Profile is accessed using mobile devices). Registration, access, operating procedure and other terms of use of the Merchant Profile by the Counterparty are set forth in the Agreement on the use of the Merchant Profile posted on the page of the Operator's Website at https://yoomoney.ru/page?id=523050.

Marketing Materials — any text, graphic or multimedia information (including Offers, Product Cards, articles, description of services, goods, advertising campaign conditions) that are provided by the Advertiser to the Operator for posting on the Platforms.

Moi Nalog — a mobile application of the federal executive body authorized to control and supervise taxes and fees, used by individuals applying the special tax regime “Self-Employment Tax” for the purposes defined by Federal Law No. 422-FZ “On experiment of special tax regime “Self-Employment Tax”.

Fraudulent Transaction — a Money Transfer that the PS/Issuer/Operator/Bank claimed to be fraudulent and/or Payer challenged, and/or that the Acquirer/Operator/Bank recognized as performed without the Payer's consent or as performed without the Order for Money Transfer, including the Money Transfer performed with a counterfeit electronic payment means/badware and so on.
Sufficient confirmation of a transaction to be Fraudulent is deemed inter alia:

• a notification of the Issuer/PS/Acquirer/Bank received by the Operator via e-mail or fax;

• founded statement of the Client about the Wallet or other electronic payment means using without their consent, that was received in the procedure specified by the agreement between the Operator and the Client;

• Operator registered the fact of Money Transfer performing without Order for Money Transfer;

• Operator identified a transaction containing signs of fraud or any other actions committed with the intention to cause harm to the Operator or other person.

Invalid Transaction — a Money Transfer that the PS/Issuer/Acquirer/Operator/Bank/Payer claimed to be invalid according to the PS rules, the agreement between the Operator and the Client or the Bank and the Payer, these General Terms and Conditions or the Russian legislation, including the following reasons:

• the Products paid for with the Money Transfer are not provided or are provided in breach of quantity/quality/terms/ other conditions of the contract or the Russian legislation;

• the Counterparty has failed to provide the documents requested by the Operator in relation to the Invalid Transaction;

• the price of the Products purchased with YooMoney exceeds the normal price for similar Counterparty Products when paid for with other means;

• the Counterparty does not refund the price of the Product which the buyer has been declared as merchandise returned or refused;

• the Product was paid twice;

• The Counterparty violated the terms of these General Terms and Conditions or any obligations to the buyer arising from the law or from the contract between the Counterparty and the buyer, which caused the Payer to appeal to the credit institution that serves theirs;

• there are reasons the transaction to be deemed as Invalid according any foregoing condition at any time.

Sufficient confirmation of a transaction to be Invalid is deemed inter alia:

• a notification of the Issuer/PS/Acquirer/Bank received by the Operator via e-mail or fax;

• founded statement of the Client that was received under the Buyer Protection Service or in accordance with another agreement between the Operator and the Client;

• Operator registered that the requested documents are not provided, the provided documents are improper, or another fact for which the transaction should be qualified as invalid.

Non-Resident — a person recognized as a non-resident in accordance with the Russian legislation on currency regulation and currency control.

Collateral — an amount of money provided by the Counterparty or any third party to the Operator as a means of ensuring the fulfillment of the Counterparty’s obligations under the Contract. The Collateral can be used by the Operator to satisfy any monetary claims against the Counterparty under the Contract, even if the Parties have agreed on any particular purposes of use of the Collateral at the time of its provision. The Operator shall not pay any interest on the Collateral amount.

Operator — Limited Liability Company Non-bank Credit Organization "YooMoney", located at 82 Sadovnicheskaya street, building 2, Russia, Moscow, 115035, license of the Bank of Russia No. 3510-K.

Sender — a legal entity or sole proprietor to which the Operator provides informational and technological services when making Deposits under the Contract entered into between the Operator and the Sender.

Agent’s Report — a document containing information on the Agent’s remunerations and other information specified in these General Terms and Conditions. The form of the Agent’s Report is set by the Operator and may be changed unilaterally by the Operator.

Payment Agent Report — a document containing information on the funds received by the Payment Agent and the Payment Agent’s fee under the Contract for the Reporting Month. The form of the Payment Agent Report is set by the Operator by posting on the web page https://yoomoney.ru/page?id=532345 of the Operator’s Website and may be changed unilaterally by the Operator.

Advertiser’s Report — a document containing information about the Leads in the Reporting Period, their types, unique identifiers, cost, the amount of the Operator’s remunerations and other information related to the performance of the Contract concluded between the Operator and the Advertiser. The form of the Advertiser’s Report is set by the Operator and may be changed unilaterally by the Operator.

Reporting Day — a calendar day from 00 hours 00 minutes 00 seconds to 23 hours 59 minutes 59 seconds Moscow Time.

Reporting Period (Reporting Month) — a calendar month from 00 hours 00 minutes 00 seconds Moscow Time of the first calendar day of the month to 23 hours 59 minutes 59 seconds Moscow Time of the last calendar day of the month. If the first and/or last month of the Contract is an incomplete calendar month, the Reporting Period shall be the relevant part of the calendar month.

For the purposes of Clause 9.16 of the General Terms and Conditions, the Reporting Period is understood as a quarter – a three-month period in a calendar year from January to March (first quarter), from April to June (second quarter), from July to September (third quarter) and from September to December (fourth quarter).

Offer — an advertising and information material containing advertising information and corresponding promotional code, discount and (or) link to an Internet source provided by the Advertiser within a certain Advertising Campaign for its placement on the Platforms.

SHC — the Operator’s software and hardware complex for information exchange and electronic document flow between the Operator and the Counterparty.

Money Transfer — credit organizations’ procedures for providing the Recipient with the Payer’s funds under the applicable forms of non-cash payments, as well as hereinafter referred to as the sum of money being transferred from the Payer to the Recipient.

Payment Aggregator – Limited Liability Company “Avanpost” (Taxpayer Identification Number (INN) 5403011237, Primary State Registration Number (OGRN) 1155476129753, location and address: 2 Novodmitrovskaya Str., build. 1, prem. 1/4, prem. XXXV, intracity territory of the city of Butyrsky Municipal District, Moscow, 127015, telephone: +7 499 608-09-19), which is a bank paying agent engaged by the Operator in accordance with the applicable laws of the Russian Federation as a payment aggregator to participate in the transfer of funds in favor of the Merchant on the basis of the Agreement on engaging a bank payment agent to carry out payment aggregator transactions No. NB.138237.05 entered into by and between the Operator and the Payment Aggregator.

Payer — a person by whose order a Money Transfer is performed. The Payer may be the Operator’s Client, an individual who is not the Operator’s Client, and a legal entity or a sole proprietor.

Marketplace — an information resource (an Internet website, a mobile application, etc.), which contains information on the Products sold by the Marketplace Moderator and / or other persons, and an opportunity to familiarize the buyer with the description of the Products and payment therefor.

Platform — any means of providing and distributing information in computer networks used by the Operator to ensure the placement (display) of Marketing Materials, including on the basis of contracts concluded with third parties, including, but not limited to: websites (including https://yoomoney.ru, https://yookassa.ru, yoomoney.com and their mobile versions, other websites), mobile applications of the Operator, mailing via e-mail, computer programs, push notifications.

Recipient — an individual, a legal entity, or a sole proprietor in favor of which the Transfer is made.

Merchant — a legal entity, sole proprietor, and individual who uses special tax regime “Self-employment tax” or engage in business activities in any other status (on any other basis) according to their personal law, to which the Operator provides informational and technological services when performing Money Transfers in favor of the Merchant under the Contract entered into in accordance with these General Terms and Conditions, when such Money Transfers are executed in order to make a donation or pay for the Merchant's Products or other objects of civil rights.

General Terms and Conditions — these General Terms and Conditions of the YooMoney Service.

Sberbank Program Interface (API) (Sberbank PI (API)) – the Information Exchange Protocol that is used to facilitate interaction between the Operator and the Merchant or between the Operator and the Provider and made available on the Internet at https://yookassa.ru/docs/support/payments/onboarding/integration-sber.

Information Exchange Protocol — a protocol for exchanging information on Transfers, Deposits, cash received by the Payment Agent, posting Offers, or Product Cards, between the Operator and the Counterparty. The description of the Information Exchange Protocol may vary depending on the type of the Counterparty and is available from the information source specified in these General Terms and Conditions.

Product Data Transfer Protocol — Information Exchange Protocol between the Operator and the Advertiser posted on the Internet at https://yoomoney.ru/i/forms/ym-shopping-goods.pdf.

PS — payment systems, including international payment systems the cards of which are accepted for payment as well as the Bank of Russia payment system that provides for the faster payments system (FPS). The rules for accepting cards for payment, contesting transactions made with bank cards and other terms and conditions for issuing and acquiring bank cards, as well as the terms and conditions of providing the the Fast Payments Service are determined by the rules of the PS. In some cases, instead of or in addition to the rules of the PS, the rules of the national payment card system – NSPK JSC – may be applied. The list of the PS is set out by the Operator, communicated to the Counterparty on the Operator’s Website and may be changed unilaterally by the Operator at any time.

Business Day — a calendar day from 00 hours 00 minutes 00 seconds to 23 hours 59 minutes 59 seconds Moscow Time, excluding weekends and public holidays established by the legislation of the Russian Federation.

Order for Money Transfer — electronic Payer's order against which a Money Transfer is performed.

Order for Money Transfer of the Deposit Amount — an order for further transfer of the Deposit amount sent to the Operator by the Client.

Register of Money Transfers, Payment Refunds, Invalid Transactions or Accepted Funds (Register) — an electronic document that the Operator sends on the daily basis and subject to the procedure set forth in Section 10 hereof to the Counterparties for the reconciliation of the YooMoney Service’s data on the Money Transfers, Payment Refunds, Invalid and Fraudulent Transactions, Deposits and other settlements.

Resident — a person recognized as a resident in accordance with the Russian legislation on currency regulation and currency control.

Advertiser — a legal entity, individual entrepreneur, individual who uses the special tax regime “Self-employment tax”, to which the Operator provides services by placing the Advertiser’s Marketing materials on the Platforms.

Operator's Website — the Operator's website located on the Internet at either of the following addresses: https://yoomoney.ru or https://yookassa.ru or https://yoomoney.com.

Purchase Protection Service (PPS) — a set of services rendered to individuals by the PPS Moderator using the information resources available to it (website, mobile application, etc.), including provision of an opportunity to place information about Products sold by these individuals on the information resources of the PPS Moderator; provision of an opportunity to view information about the Products; provision of an opportunity to make deals, the subject matter of which is the Products(purchase and sale of goods, rendering of services, performance of works, etc.), on the information resources of the PPS Moderator; provision of guarantees to the parties of such deals that the seller/service provider of the Products will receive the funds if it fulfils its obligations under the deal in a proper manner, and, in case of non-fulfillment or improper fulfillment of its obligations, the funds will be returned to the buyer/client.

Buyer Protection Service — the service of the Operator that provides the Client with the opportunity, in accordance with the procedure and on the conditions set forth on the Operator's Website at https://yoomoney.ru/page?id=528451, to receive compensation for the cost of the Products and their delivery paid with the use of the Wallet in the case of failure to perform or improper fulfillment by the Merchant (Provider) of the obligations to the Client.

YooMoney Service — a wide range of the legal relationships that arise between the Operator and the Counterparties and related to performing funds transfers or rendering accompanying services, including the provision of informational and technological services.

Electronic Document Flow Agreement — a document regulating the relationship between the Operator and the Counterparty when using electronic signatures provided in Annex 1 to these General Terms and Conditions.

Parties — parties of the Contract.

Table of Payment Methods — a document provided in Annex 4 to these General Terms and Conditions containing information on Money Transfer methods provided by the YooMoney Service, as well as possibility of Payment Refund.

Products — the products, works, services, intellectual property items and the rights thereto, other objects of civil law rights that are not restricted in circulation. The term Products shall also mean donations in cases when the Counterparty is a non-profit organization that declared upon entering into the Contract that the amounts of the Money Transfers are transferred in its favor as charitable contributions and donations, and membership fees, except for membership fees of political parties. The Operator may determine the types of Products, in respect of which services under the YooMoney Service are not provided.

Money Transfer Notification — a confirmation that a Payer's order for Money Transfer was accepted.

Acquirer — a credit organization settling accounts on transactions made with Cards, under the contract entered into with the Operator. Both the Operator and a third-party credit institution with which the Operator has concluded an agreement on acquiring Cards can act as the Acquirer.

Issuer — a credit organization that issued the Card.

Offer Program API — Information Exchange Protocol between the Operator and the Advertiser, posted on the Internet at https://yoomoney.ru/docs/offers.

YooMoney API — Information Exchange Protocol between the Operator and the Merchant or the Operator and the Provider, posted on the Internet at https://yookassa.ru/developers/api

HTTP protocol—information Exchange Protocol between the Operator and the Merchant or the Operator and the Provider, posted on the Internet at the address https://yookassa.ru/docs/payment-solution

MWS (Merchant Web Services) — an interface for secure interaction between a Counterparty’s automated information system and the Operator over the Internet in accordance with the HTTP Protocol.

1.3. The YooMoney Service provides informational and technological interaction between the Payers and the Recipients when performing Money Transfers and is also a Platform for Marketing Materials.
Money Transfers can be carried out both with participation of the Operator’s Client as the Payer and/or the Recipient and between the persons who are not the Operator’s Clients when the Operator acts as a transfer intermediary for the Money Transfer.
When Money Transfers are performed within the YooMoney Service, the Money Transfers services can be provided by the Bank, the Provider and the Operator.
A Money Transfer in which the Payer is a legal entity or an individual entrepreneur is performed without the Operator participating as the operator for the transfer of funds. In this case, the Operator’s functions within the YooMoney Service is limited to rendering informational and technological services related to the Money Transfer to the participants of the Money Transfer.
The following persons may act as the Recipients of the Money Transfers: the Merchant, the Provider, the Provider’s clients, clients of the credit organization that is the Provider’s partner, individuals that are clients of the PPS Moderator, the Operator in cases when the Money Transfer is performed in order to increase the remaining electronic funds balance of the Operator’s Clients or to provide the Collateral to the Operator.
The Operator provides the Clients with the option of providing funds in favor of the Operator without using a bank account (including by making a payment to the Payment Agent), with the use of a bank account, and at the expense of the funds provided by the Sender in favor of the Client.
The Payer, the Recipient and the Counterparty (except the Payment Agent) may be either Residents or Non-residents.
The Operator shall have the right to engage Residents as the Payment Agents.
The Marketplace Moderator may act in a contractual relationship with the Operator as a Merchant, Provider and/or Agent. In this case, the Marketplace Moderator shall be liable to all the conditions and requirements set by the General Terms and Conditions for the Marketplace Moderator and the Merchant, Provider and/or Agent, respectively.
The Operator and the Marketplace Moderator, who is not the Merchant, Provider or Agent at the same time, may conclude a contract which is not provided for by these General Terms and Conditions.
The Operator may engage the Payment Aggregator to participate in the transfer of funds in favor of the Merchants for operations with electronic means of payment as prescribed herein.

1.4. These General Terms and Conditions regulate the relationship between the Operator and the Counterparty under the Contract entered into by one of the methods set forth in Section 2 of the General Terms and Conditions.

1.5. The Operator can enter into the following Contracts under the conditions set forth in these General Terms and Conditions:
1.5.1. The Contract on the Informational and Technological Interaction related to Transfers entered into with the Merchant, its subject being providing the Merchant with informational and technological services by the Operator, including collecting, processing and transfer of information on Money Transfers in favor of the Merchant according the Information Exchange Protocol on Money Transfers, as well as services for placement of information about the Merchant as prescribed by the offer program API.
1.5.2. The Contract on the Informational and Technological Interaction related to Transfers by Individuals entered into with the Bank, its subject being providing the Operator with services by the Bank including collecting, processing, and transferring of Notifications and Orders for Money transfers when making the Payer's Money Transfers in favour of the Clients, Suppliers, Providers, their clients or clients of the credit organizations - partners of the Providers.
1.5.3. The Contract on the Informational and Technological Interaction related to Transfers by Individuals entered into with the Provider, its subject being providing the Provider with informational and technological services by the Operator including collecting, processing, and transfer of information on Money Transfers in favor of the Provider, its clients or clients of credit organization that are partners of the Provider.
1.5.4. The Contract on engaging bank payment agent entered into with the Payment Agent, its subject being performing legal and other actions on accepting cash from individuals including via ATMs by the Payment Agent acting as the Operator’s bank payment agent on behalf and at the expense of the Operator.
1.5.5. The Contract on the Informational and Technological Interaction related to Transfers in Favor of Individuals entered into with the Sender, its subject being providing the Sender with informational and technological services by the Operator including collecting, processing, and transfer of information on Deposits made by the Operator.
1.5.6. The Agency Contract entered into with the Agent, its subject being involving Merchants for signing Contracts with the Operator, for remuneration, in their own name and at the Operator’s expense.
1.5.7. The Contract of paid rendering of services with the Advertiser, its subject being the rendering of services by the Operator to the Advertiser at placing the Advertiser’s Marketing Materials on the Platforms.
In order to implement the functionality specified in Section 9 of Annex No. 4.1 hereto, the Contract specified in subclause 1.5.1 shall be drawn up in the form of a tripartite agreement, the Parties to which are the Operator, the Merchant and the Payment Aggregator acting on behalf of the Operator and acquiring rights and obligations under the relevant Contract in the manner and under the terms and conditions stated in Section 9 of Annex No. 4.1 hereto.

1.6. Obligations arising between individuals that are Payers or Payments Recipients on the one hand and Counterparties on the other hand, pursuant to which the Money Transfers/ Deposits are made, shall occur in the manner and on the grounds prescribed by law and/or a contract between an individual and a Counterparty and shall not be subject to regulation of the Contracts entered into in accordance with these General Terms and Conditions.

1.7. When entering into a Contract with the Operator, the Counterparty guarantees that it and its agency (representative) bear the necessary legal capacity as well as all rights and powers necessary and sufficient for entering into and execution of the Contract in accordance with these General Terms and Conditions.

1.8. The Operator has the right to conclude a contract with any of the Counterparties that is not provided for in Clause 1.5 of the General Terms and Conditions, and extend the force of the General Terms and Conditions or their separate conditions to the relations of the parties arising from such a contract.

1.9. The Counterparty shall exactly comply with the requirements of the currency control legislation of the Russian Federation and provide the Operator, when performing currency transactions, with any documents and information to the extent and within the time limits established by the legislation of the Russian Federation on currency regulation and currency control.

1.10. The current version of these General Terms and Conditions is published on the Operator’s Website at https://yoomoney.ru/page?id=527067.

2. PROCEDURE FOR ENTERING INTO CERTAIN TYPES OF CONTRACTS, MODIFICATIONS AND ANNEXES AND TECHNICAL INTEGRATION OF THE PARTIES

2.1. The Parties can enter into a Contract by signing its hard copy or by electronic document exchange in the procedure specified by this section.

Table of possible methods to conclude the Contract:

The Contract with participation of the Payment Aggregator may be concluded using templates of the Contract or Application that differ from the templates determined in the present Clause 2.1 and set forth in Annexes to the General Terms and Conditions, and in accordance with the Methods 1 and 3 only. The templates of the Contract or Application to be used for conclusion of the Contract with participation of the Payment Aggregator shall be communicated to the Counterparty in the process of enabling the functionality provided with participation of the Payment Aggregator and defined in Clause 1.5 hereof.

2.2. The Contract is concluded with the Method 2 in the following order:
2.2.1. The Counterparty compiles the Application as specified in the corresponding Annex to these General Terms and Conditions in two hard copies, both signed by the Counterparty’s authorized person and sealed by the Counterparty’s seal (if any), and sends it to the Operator at the postal address specified in Clause 16.6. of these General Terms and Conditions.
2.2.2. The Contract shall be deemed to be concluded as of the date of the Operator’s acceptance of the Counterparty’s offer to enter into the Contract, that is set forth in the Application, by signing the Application by the Operator’s authorized representative. The Application with the mark of acceptance of the Counterparty’s offer as specified in the Application is the only document that confirms that the Contract has been concluded. One hard copy of the Application with the mark of acceptance is returned to the Counterparty and the other copy is kept by the Operator.

2.3. The Method 3 involves the conclusion of the Contract through the exchange of documents by means of:
2.3.1. The Merchant Profile the functionality of which enables the Counterparty to submit to the Operator (or to the Operator and the Payment Aggregator jointly, in case of the conclusion of the Contract with the participation of the Payment Aggregator in accordance with the provisions hereof) a Contract offer in the following manner:
• by placing in the Merchant Profile a scanned copy of the filled-out Application, signed by the Counterparty’s authorized person and sealed with the Counterparty’s seal in the form set out in the corresponding Annex hereto; or
• by signing in the Merchant Profile an Application in the form of Annex to these General Terms and Conditions with a simple electronic signature of the Counterparty’s authorized person in accordance with the Electronic Document Flow Agreement.
The abovementioned actions shall be deemed as a submission by the Counterparty of an irrevocable offer of the Contract conclusion to the Operator (or to the Operator and the Payment Aggregator jointly, in case of the conclusion of the Contract with the participation of the Payment Aggregator), subject to the terms and conditions set forth in the Application and the present General Terms and Conditions.
The Contract shall be deemed concluded from the date on which a notice of the acceptance of the offer contained in the Application is sent to the Counterparty’s e-mail address specified by the Counterparty in the Merchant Profile (this provision does not apply to the Contract with the Advertiser).
The manner of the submission of the offer to conclude the Contract is defined by the Operator and communicated to the Counterparty by means of the Merchant Profile interface.
2.3.2. The Counterparty shall sign the Application with an enhanced qualified electronic signature in the “Diadoc” computer program.
Posting in the Merchant Profile and/or sending to the Operator via the "Diadoc" computer program of the Application signed with an enhanced qualified electronic signature of the Counterparty, according to the form in the corresponding Annex to these General Terms and Conditions, shall be recognized as the Counterparty sending an irrevocable offer to the Operator (and the Payment Aggregator if the Contract is entered into with its participation) to enter into the Contract on the terms specified in the Application and these General Terms and Conditions.
The Application signed with an enhanced qualified electronic signature of the Counterparty shall be recognized as an electronic document equivalent to a hard copy sealed (if any) and signed with a handwritten signature of Counterparty’s authorized person.
The Application' signing method specified herein shall be available only for Resident Merchants. The specific method for sending the Application signed with an enhanced qualified electronic signature (posting in the Merchant Profile and/or sending to the Operator via the "Diadoc" computer program) shall be determined by the Operator and the Counterparty shall familiarize herewith in the Merchant Profile. The Operator shall have the right to limit the list of Merchants who have access to the Application' signing and sending method specified herein.
The Contract shall be deemed concluded from the date on which the Counterparty sends notice of accepting the offer contained in the Application to the Counterparty’s e-mail address specified by the Counterparty in the Merchant Profile (this provision does not apply to the Contract with the Advertiser).
2.3.3. The Contract with the Advertiser shall be deemed to be concluded from the date of the first placing of the Marketing Materials on the Platform by the Operator, independently of any conclusion methods that may be applied to the Contract formation pursuant to Section 2 herein. The conditions of the Contract concluded by them shall apply to their relations which arose before the conclusion of the Contract, namely at the moment of receipt by the Operator the Marketing Application for posting Marketing Materials.

2.4. The Operator is entitled to decline entering into the Contract with the Counterparty without giving any reason by sending a notice to the Counterparty's e-mail address specified in the Application.

2.5. The exchange of electronic documents in the order specified in Clauses 2.3 of these General Terms and Conditions is deemed proper observance of the simple written form of the Contract entered into in accordance with Clause 2 of Article 434 of the Civil Code of the Russian Federation.

2.6.Entering into the Contract does not mean that it will be executed immediately. To fulfill the obligations arising from the Contract, the Counterparty must provide the technical integration with the Operator. The Operator's obligation on provision of the service under the Contract arises after entering into the Contract after the Counterparties were connected to SHC, unless otherwise specified in paragraph two hereof.

Technical integration and connection to the Operator’s SHC is not required from

• Agents, who are not the Marketplace Moderators;

• Merchants and Providers who use the E-mail protocol or the Merchant Profile functionality for invoicing and are not the Marketplace Moderators;

• Advertisers using e-mail to interact with the Operator;

• Senders when Sender's requests for the Deposits are sent through the Merchant Profile.

2.7. Relationship between the Parties on informational and technological interaction are regulated by the Information Exchange Protocol specified in the column “Information Exchange Protocol” of the table below; the conditions of the technical integration are specified in the column “SHC Connection order”:

2.8. All the notices that were received under the Information Exchange Protocol are deemed to be received from the correspondence Party under the Contract. Each Party provide safety of its hardware, software and information systems that are involved into informational and technological interaction under the Contract by his own efforts and at his own expense and each Party is responsible for the risks that are related to illegitimate access of a third party to the hardware, software and information systems.
The The Counterparty is entitled to engage third parties for providing of software and hardware integration of the Parties and informational and technological interaction, including using the functionality of the Information Exchange Protocol. In this case, any information transmitted by the Operator to such a third party under the Information Exchange Protocol is considered to be transferred to the Counterparty; all information received by the Operator under the Information Exchange Protocol from such a third party is considered to be received from the Counterparty. The Counterparty shall bear responsibility to the Operator for third party actions as his own, and also shall assume all risks associated with any actions or omissions of such third party.

2.9. The Parties process modifications and annexes to the Contract entered into under the rules for entering into the Contract - Clause 2.1 of these General Terms and Conditions, unless otherwise specified in these General Terms and Conditions.

2.10. The change of technical integration settings is provided on the basis of the information about the change of technical interaction parameters that was received by the Operator via the Merchant Profile or email.
The change is confirmed by a notification on readiness for information interaction subject to new technical parameters that is provided by the Operator to the Counterparty via email and/or the Merchant Profile.

2.11. The Operator is entitled to suspend the SHC operation and informational technology service of the Counterparty fully or partially in the following cases:

2.11.1. In case of a routine maintenance of the SHC (a package of proactive measures to maintain the operating status) by the Operator – for a term of the routine maintenance;
2.11.2. In case of occurrence of the circumstances beyond the Operator's control that preclude a normal work of the SHC of the Operator – during the term of these circumstances;
2.11.3. In case suspension of the informational and technological services rendering is required by a decision of an authorized state authority – for a period specified in the relevant decision;
2.11.4. In case suspension of rendering of the informational and technological services to the Counterparty is related to actions of third parties engaged by the Operator and/or involved in such provision of the informational and technological services, including a scheduled maintenance of the software and hardware complex used by such third parties to perform their duties – for the duration of these circumstances;
2.11.5. In case the Counterparty breaches any of its obligations specified in the General Terms and Conditions and the Contract – until such breach is completely remedied by the Counterparty or until the date of termination of the Contract inclusively;
2.11.6. In case the Operator suspects the Counterparty’s involvement in legalization (money laundering) of criminal proceeds or terrorist financing/other illegal activities – until the date of termination of the Contract inclusively;
2.11.7. If the Operator has any information, including the one obtained from the Operator’s partners, government authorities, open sources or analysis of the Counterparty’s activities, which provides the grounds to assume that the Counterparty violates or may violate the General Terms and Conditions, the Contract, requirements of the laws of the Russian Federation or other laws applicable specifically to the Counterparty, including: it does not fulfill or will not fulfill its obligations to the Operator or the Payer/Recipient, deceives or intends to deceive a consumer, performs or plans to perform actions having signs of being fraudulent, as well as abuses the rights granted by the Operator or third parties – for the duration of these circumstances or until the date of termination of the Contract inclusively;
2.11.8. In case the Operator records the Counterparty’s debt to the Operator – until the Counterparty settles its debt to the Operator in full or until the date of termination of the Contract inclusively;
2.11.9. If in regard to the Counterparty: a bankruptcy motion has been filed, a statement of intent to file a bankruptcy application with the court has been published, or any of the bankruptcy procedures provided for by the laws of the Russian Federation have been introduced – for the duration of such circumstances or until the date of termination of the Contract inclusively;
2.11.10. In case the Counterparty has decided to go into liquidation or be subject to a forced liquidation – for the duration of such circumstances or until the date of termination of the Contract inclusively;
2.11.11. In case there are grounds for the exclusion of the Counterparty from the Unified State Register of Legal Entities or the Unified State Register of Sole proprietors – for the duration of such circumstances or until the date of termination of the Contract inclusively;
2.11.12. In case of a state registration of the termination of the Counterparty's activities as an individual entrepreneur – until the date of termination of the Contract inclusively;
2.11.13. In case of termination of the application of the special tax regime “Self-Employment Tax” by the Counterparty that is an individual or their loss of the status that allowed them to carry out business activities under their personal law – for the duration of such circumstances or until the date of termination of the Contract inclusively.
2.11.14. When the Operator receives information contained in the database of the Bank of Russia on cases and attempts to transfer funds without the client’s voluntary consent, which contains information related to the Counterparty – until the Operator receives information on exclusion of information related to the Counterparty from the abovementioned database in accordance with the procedure established by the Bank of Russia.
The Operator makes Money Transfers in favor of the Counterparty, the Orders for which were received by the Operator before the suspension, except for cases established by the General Terms and Conditions, or when the ground for such suspension makes it impossible for the Operator to make the Money Transfers to the Counterparty. The Operator undertakes to make the Money Transfers immediately after cessation of the circumstances preventing the Money Transfers from being performed.

2.12. The Operator has the right before the conclusion of the Contract and at any time its validity to demand from the Counterparty:

• the documents specified in Annex 3 of these General Terms and Conditions, as well as any explanations and documents in order to establish the legality of the Counterparty's activity or to comply with the requirements of the legislation on control over the Counterparty's activity;

• information about the obligations specified in Clause 1.6. of these General Terms and Conditions, and documents confirming the performance of these obligations by the Counterparty;

• any information and documents in cases where the need for such information is caused by compliance with the requirements of the legislation, including on combating the legalization (laundering) of proceeds from crime and the financing of terrorism;

• any information and documents required for the fulfillment of obligations by the Operator to other Counterparties, Payers or partners of the Operator;

• any information and documents which are required for execution of requirements and requests of public authorities or of the Bank of Russia;

• any information and documents that are necessary to identify Fraudulent or Invalid Transactions;

• completed questionnaires, audit reports, reports on automatic external scanning for vulnerabilities and other documents confirming that the Counterparty has complied with the procedures and requirements established by the PCI DSS standard.

The Counterparty in response to the Operator's request is obliged to provide the requested information and documents no later than three (3) Business Days from the date of receipt of the Operator's request, unless otherwise specified by the Operator in the request. The Operator sends its request in any e-mail that is mentioned in the Application/Contract.

The Operator may request from the Counterparty to present documents and information in the scope and in accordance with the procedure specified in this clause 2.12 in respect of third parties engaged by the Counterparty for integration and interaction of software and hardware complexes of the Parties and mentioned in clause 2.8 of the General Terms and Conditions.

2.12.1 In case the process of conclusion and/or fulfillment of the Contract shall be accompanied by the process of the Counterparty’s authentication, and during such authentication the Operator is provided with any data regarding the Counterparty’s beneficial owners, the Operator may transmit these data to correspondent banks based on an inquiry of the latter. Exercise of this right by the Operator does not impose on the Operator an obligation to notify the Counterparty of such data transmission.

2.12.2. Prior to the conclusion of the Contract, the Counterparty shall inform the Operator of its beneficial owners, i.e. of individuals who, ultimately, directly or indirectly (through third parties) own the Counterparty (have a dominant participation of more than 25 percent in the capital) or have the ability to control its actions, as well as it shall inform the Operator of any changes in the composition of its beneficial owners within three (3) Business Days.

2.13. The Operator is entitled to send information on the YooMoney Service and its partners’ activities via any contacts furnished by the Counterparty during its connection: e-mail, telephone, as well as through the Merchant Profile and messengers.

2.14. The Operator provides the Provider, the Sender, the Merchant, the Marketplace Moderator, the PPS Moderator, the Agent (hereinafter in this Clause referred to as the “Counterparty”) with the Merchant Profile in accordance with the Agreement on the use of the Merchant Profile https://yoomoney.ru/page?id=523050 to the Provider, the Sender, the Merchant, the Marketplace Moderator, the Agent (hereinafter in this Clause referred to as the “Counterparty”).
2.14.1. The Merchant Profile access shall be provided to the Counterparty exclusively after its authentication, that is performed by checking authentication data (login and password) that was input. Authentication data is created by the Counterparty and they shall be recognized by the Parties as sufficient for the authentication for the Merchant Profile access.
2.14.2. All the documents/notifications/orders that were located/performed by the Counterparty in its Merchant Profile shall be recognized as original, complete and equivalent to hard copies of the documents/notifications signed by the Counterparty’s authorized person and sealed to the Operator. Any actions performed with the Merchant Profile using shall be recognized as the actions provided by the Counterparty.
2.14.3. The information located on the Merchant Profile is recognized as proper notification of the Counterparty about legal communication excepting the cases when the notification of the other Party in a writing form or via e-mail is specified in these General Terms and Conditions.
2.14.4. The Counterparty's authorization information must be kept a secret. The Operator does not bear responsibility for the Counterparty's losses (damages) and other adverse effects that were arisen after access to the Merchant Profile of the persons who are not authorized by the Counterparty resulted from the Counterparty divulged or lost its authentication data.

2.15. The Operator has the right to establish and modify abridgements (limits) of maximum Money Transfer and Deposit amounts (single, made during a certain period of time or defined otherwise) either for all or for some Counterparties or groups of Counterparties.

3. PAYMENT AGENTS. RIGHTS AND RESPONSIBILITIES OF THE PARTIES

3.1. General provisions.
3.1.1. The Payment Agent, acting as a bank paying agent, undertakes to accept cash money from individuals and at the expense of the Operator, including using ATMs.
3.1.2. The Payment Agent is entitled, in accordance with the General Terms and Conditions, to involve subagents for accepting cash from individuals, including using ATMs, bearing responsibility to the Operator for their actions as their own.
3.1.3. The informational and technological interaction of the Parties is carried out in real time mode in accordance with the Information Exchange Protocol.
3.1.4. The Payment Agent, when concluding the Contract, provides the Operator in electronic form on the e-mail address infobanks@yoomoney.ru with a list of all the places of conducting transactions of cash acceptance under the form of Annex No. 2 to the General Terms and Conditions.
The Payment Agent undertakes to notify the Operator of all changes in the mentioned list not later than three calendar days from the date of the relevant change by sending a new list (or corresponding changes) of all places of operations in the form of Annex No. 2 to the General Terms and Conditions via e-mail to infobanks@yoomoney.ru.
3.1.5. The Operator is entitled to enter into similar contracts with other agents.
3.1.6. The Operator is entitled at any time to demand the termination of the receipt of cash from the Payment Agent and/or any subagent, attracted by him, with the simultaneous suspension of informational and technological interaction under the Information Exchange Protocol.

3.2. Order of interaction between the Parties when Payment Agent receives cash from individuals:
3.2.1. The Payment Agent is entitled to receive cash from individuals in any way, not prohibited by law, with or without the use of ATMs.
3.2.2. When accepting cash with the use of ATMs, the procedure of the cash acceptance must comply with the requirements, set out in Section 12 of the General Terms and Conditions.
3.2.3. The Payment Agent agrees to accept cash only in the case of the indication (informing) by an individual of the information, necessary to unambiguously establishing of the Recipient of funds under the Information Exchange Protocol.
3.2.4. The Payment Agent ensures the presence in each place of operations of the bank paying agent of the information in the amount, provided by Federal Law No. 161-FZ “On the National Payment System”, as well as information, provided for this purpose by the Operator.
3.2.5. In coIn confirmation of acceptance of funds from an individual, regardless of the method of such acceptance, the Payment Agent issues a cash receipt, which must contain information on the amount of money to be transferred to the Operator, all commissions and information, charged from an individual and provided by Federal Law No. 161-FZ “On National payment system”, and meet other requirements, established by federal laws.
3.2.6. The Payment Agent shall immediately inform the Operator about the received funds in accordance with the procedure, provided in the Information Exchange Protocol.
3.2.7. The Payment Agent shall not be entitled to return to the individual the amount of money, received from them after informing the Operator of acceptance of monetary funds in accordance with Clause 3.2.6. of these General Terms and Conditions, unless otherwise is agreed by the Parties.
3.2.8. The Payment Agent shall not be entitled to accept cash, which amount exceeds Fifteen thousand (15,000) rubles if under the Contract the Payment Agent is not entrusted with carrying out identification of individuals, as well as money for the Money Transfer, which requires the identification/simplified identification of the Payer.
3.2.9. The Payment Agent undertakes, when carrying out of activities for cash acceptance, to credit the received funds exclusively to a special bank account(s).
3.2.10. In case of a suspicions, that the transaction is carried out for the purpose of laundering money, obtained through criminal means and financing of terrorism, the Payment Agent informs the Operator about it in writing.

3.3. Order and conditions for engaging subagents by the Payment Agent
3.3.1. Engaging of subagents by the Payment Agent is allowed in case of compliance of all the requirements for such attraction, established by Federal Law No. 161-FZ “On the National Payment System”, other laws, secondary legislation, and these General Terms and Conditions, and provided that the Payment Agent ensures that the sub-agents comply with such requirements.
3.3.2. The Payment Agent agrees to maintain a list of subagents, attracted by him, under the form of Annex No. 2 to these General Terms and Conditions and, in the event of any changes in the mentioned list, to send the new edition of the list to the Operator by e-mail no later than the business day, next after the day of the relevant change.
3.3.3. The Payment Agent remuneration, paid to him by the Operator, includes the remuneration of subagents for the transactions they perform. The specific rate of such remuneration of the subagents is determined by contracts, concluded between the Payment Agent and the subagents. All calculations for the payment to the subagents of the indicated remuneration are carried out by the Payment Agent on his own behalf, by his own efforts and at his own expense.
3.3.4. The Payment Agent agrees to include the agreements with provisions, concluded with the subagents, in the contracts, ensuring the fulfillment by the Payment Agent of the obligation, specified in Clause 3.7.4 of these General Terms and Conditions.
3.3.5.The Payment Agent undertakes to monitor the compliance with the subagents of the requirements, established by the Federal Law, for their activities in the amount of not less than that is established in Clauses 3.4, 3.5 of these General Terms and Conditions, and no later than three (3) Business Days, after the day when the subagent detects violations in the specified requirements, to send to the Operator in electronic form a notification of the revealed violations, containing a description of these detected violations.
At the Operator’s request the Payment Agent, within a reasonable period of time, shall provide the Operator with the materials, confirming the violations of the terms of his involvement, discovered by the Payment Agent, that were admitted by the subagent.
3.3.6. The Payment Agent shall undertake within five (5) Business Days from the date of receipt of the relevant Operator's request, to make a unilateral refusal from performing the contract, concluded between the Payment Agent and the subagent, and provide the Operator with evidence of a proper notification of the subagent about giving him notice of this refusal.
The Payment Agent undertakes not later than the Business Day after the day of receiving the Operator's request, specified in the first paragraph of this subclause, to perform all actions, necessary to deprive the relevant sub-agent of the ability to continue transactions on behalf of and at the expense of the Operator.

3.4. Information protection requirements
3.4.1. The Payment Agent undertakes to comply with the requirements for ensuring the protection of information related to transfers of money that are established by the Regulation of the Bank of Russia No. 719-P “On the Requirements for Ensuring the Protection of Information Related to Funds Transfers and on the Procedure of Control by the Bank of Russia over the Compliance with the Requirements for the Protection of Information Related to Funds Transfers” dated June 4, 2020, including the implementation of the information protection levels set out in “GOST R 57580.1-2017. The National Standard of the Russian Federation “Security of Financial (Banking) Operations. Protection of Information of Financial Organizations. Basic Set of Organizational and Technical Measures” provided for by the aforementioned Regulation”.
3.4.2. In the event that during one calendar year the Payment Agent accepts the amount of money in cash that is in excess of two billion Russian rubles (2,000,000,000) or settles over two million (2,000,000) transactions related to acceptance of the money in cash, the Payment Agent shall ensure:
• assessment of compliance with the information protection levels provided for by the Regulation of the Bank of Russia No. 719-P dated June 4, 2020, in accordance with “GOST R 57580.2-2018. The National Standard of the Russian Federation “Security of Financial (Banking) Operations. Protection of Information of Financial Organizations. Conformity Assessment Methods” – no later than once every two years;
• testing of penetration and analysis of information security vulnerabilities – at least once a year;
• its application of the software that is certified with the certification system of the Federal Service for Technology and Export Control or that is in conformity with the evaluation assurance level (EAL) requirements at EAL 6 or higher, in accordance with the requirements “GOST R ISO/MEK 15408-3-2013. The National Standard of the Russian Federation. Information Technology. Security Methods and Tools. Information Technologies Security Assessment Criteria. Part 3. Security Assurance Components”, if in the course of its activities the Payment Agent uses an Internet-distributed software.
3.4.3. In order to monitor whether the Payment Agent complies with the information protection requirements, the Operator may request that the Payment Agent submits a questionnaire completed as per the form of the Operator, as well as additional information or evidence confirming the data contained in the questionnaire, including, but not limited to, a penetration testing report and/or a conformity assessment report in regard to the requirements of “GOST R 57580.1-2017”. The Payment Agent shall submit the information and documents requested by the Operator within the time-frame specified in the Operator’s request.
3.4.4. The Payment Agent shall inform the Operator of its compliance with the information protection requirements at least once a year or upon the Operator’s request within the time-frame specified therein.
3.4.5. The Payment Agent shall inform the Operator of the revealed information protection incidents within twenty-four (24) hours following the occurrence thereof by sending a notice to infobanks@yoomoney.ru.

3.5. Operator’s supervision over the Payment Agent’s compliance with the conditions for its involvement
3.5.1. The Operator uses the following forms of control over the Payment Agent’s compliance with the conditions for its involvement:

• receiving and analyzing of the Payment Agent’s reporting, provided by these General Terms and Conditions;

• conducting of scheduled and unscheduled inspections of the Payment Agent's activities, stipulated by these General Terms and Conditions;

• documenting of the detected violations by the Payment Agent of the conditions for its involvement and/or legislation on combating the legalization (laundering) of proceeds, received from crime and the financing of terrorism;

• request from the Payment Agent of explanations on the fact of violations, identified by the Operator;

• control over the elimination by the Payment Agent of violations, identified by the Operator.

3.5.2. Specific measures for the control purposes are determined by the Operator independently on the basis of information and documents, received from the Payment Agent in accordance with these General Terms and Conditions, as well as from other bodies and persons, including individuals, who paid in to the Payment Agent or the subagent.
The Operator does not bear the obligation to notify the Payment Agent about the planned and/or implemented measures for the control purposes.
3.5.3. The Payment Agent undertakes, upon receipt of the relevant Operator’s request, within the specified period to provide the Operator with explanations in writing form in hard copy on the fact of the violations, mentioned in the request, by the Payment Agent of conditions of his involvement and/or legislation on counteracting the legalization (laundering) of proceeds, received from crime and financing of terrorism.
3.5.4. When using the specified in Clause 3.5.1. forms of control the Operator has the right to request, and the Payment Agent to provide the following documents:

• a questionnaire according to form, established by the Operator;

• information on transactions, carried out by the Payment Agent on the basis of a contract, concluded with the Operator, in the form, established by the Operator, for the period of one month, preceding the inspection;

• inquiries from banks about all open special accounts through which the Payment Agent implements the transfer of funds in favor of the Operator, statements on the specified special bank accounts, as well as copies of accounting source documents (if necessary);

• copies of cash receipts, confirming the acceptance of cash resources of the Payment Agent;

• a copy of the information message for customers, placed by the Payment Agent at the payment acceptance outlets;

• copies of cards for KRE registration in the ATM, used by the Payment Agent;

• a draft contract between the Payment Agent and the subagent (in the presence of subagents);

• documents, confirming the conducting of the Payment Agent’s inspections of subagents;

• list of places where transactions were performed;

• information on the performance of activities as the Payment Agent under contracts, concluded with other money transfer Operators, if they are concluded;

• a copy of the notification of registration in the Federal Service for Fiscal Monitoring as a payment agent, operating in accordance with Federal Law of June 3, 2009 No. 103-FZ “On the activity of accepting payments from individuals, carried out by payment agents” in the event of such activities;

• documents confirming that the Payment Agent complies with the information protection requirements;

• other documents, allowing to establish good faith of the Payment Agent in accordance with the recommendations of the Bank of Russia.

3.6. Payment procedure.
3.6.1. The Payment Agent shall, within five (5) Business Days from the date of connection to the SHC, transfer to the Operator the Collateral in the amount, determined by the Payment Agent. In the future, the Payment Agent, in the event of such a need, replenishes the amount of Collateral at own discretion. In all cases, provided in this paragraph, the Payment Agent indicates the following purpose of payment: “Security deposit under contract No. [number and date of the Contract]. VAT free”.
The amount of the Collateral balance limits the maximum amount of cash funds, accepted by the Payment Agent in accordance with the Contract. The Operator does not have rights and obligations with respect to funds, received in excess mentioned ceiling amount. All claims of individuals, related to the fact of taking such funds, are resolved by the Payment Agent independently and at their own expense.
3.6.2. In the event of an excessive reduction in the balance of the Collateral, the fact of which is determined by the Operator individually, the Operator has the right to require the Payment Agent to suspend the receipt of funds and/or replenishment of the Collateral to its amount, independently determined by the Payment Agent upon the first payment of the Collateral.
3.6.3. The unexpended balance of the Collateral shall be returned to the Payment Agent within five (5) Business Days from the date of termination of the Contract.
3.6.4. The amount of funds, accepted by the Payment Agent during the Reporting Day shall be transferred by the Payment Agent to the Operator no later than the first Business Day following it.
The amounts indicated in the first paragraph of this sub-clause shall be transferred under each Register of accepted funds, sent by the Payment Agent to the Operator in accordance with Section 10 of these General Terms and Conditions, by a separate payment order specifying the purpose of the payment as “Transfer of the funds under the contract No. [number of the Contract] under the Register for [date of the Register]. VAT free”.
The part of the remuneration, charged by the Payment Agent from individuals, payable to the Operator in accordance with subclause 3.6.5. of these General Terms and Conditions, according to the results of the Reporting Month shall be transferred to the Operator by the Payment Agent within five (5) Business Days from the date of approval by the Operator of the Payment Agent’s Report for the relevant Reporting Month in the form of the separate payment order to the Merchant Profile, specified in the Contract with indicating the purpose of the payment “Transfer of part of the remuneration from users under contract No. [Number and date of the Contract] for [indication of the month and year], including VAT”.
3.6.5. In the event that the amount, specified in the first and third paragraphs of subclause 3.6.4. of these General Terms and Conditions, was not transferred within the period, specified by the mentioned paragraph, the Operator has the right to withhold the part of the Collateral, equal to this amount.
3.6.6. The Payment Agent undertakes, upon receipt of the relevant request of the Operator, to immediately suspend the receipt of funds prior to the replenishment of the Collateral amount, as well as to ensure the suspense the acceptance of funds by the subagents by the specified time.
3.6.7. The Payment Agent may not deduct any amounts, which are subject to transfer to the Operator by the Payment Agent.
3.6.8. In the case of sending notifications to the Operator in accordance with the Information Exchange Protocol on the transfer of funds, which were not actually received by the Payment Agent, including erroneous notifications, notices, sent as a result of actions by third parties, the amount of money, indicated in such notifications is subject to transfer to the Operator regardless of the presence of the Payment Agent’s fault in sending such notifications.
In these cases, the Payment Agent has the right to apply to the Operator with a written application about the non-recurrence/refund of the relevant amount to the Recipient, which is sent by e-mail to the address otmena-banks@yoomoney.ru. On the basis of the original of the Payment Agent’s application, received by the Operator in the form, established by the Operator, the Operator may increase the Collateral balance by the amount, specified in the application (part of the amount) if the latter was not wholly or partially used by the Client or the Operator has received the consent of the Recipient who is not the Client of the Operator.
For the refund/non-credit of funds to the Recipient in accordance with this Clause, the Operator has the right to withhold from the Payment Agent a fine of ten percent of the returned/non-credited amount.
The Operator is not responsible for the impossibility to return the amount of money, erroneously/as a result of actions of third parties of the credited and fully or partially used by the Recipient.
3.6.9. The amounts, specified in the subclauses 3.6.1. and 3.6.4. of these General Terms and Conditions must be transferred by the Payment Agent using a special bank account. The Operator has the right to refuse accepting money in case of the violation by the Payment Agent of this requirement.
3.6.10. Payment Agent’s monetary obligations shall be deemed fulfilled upon receipt of monetary funds on Operator’s correspondent account.

3.7. Payment Agent Remuneration
3.7.1. Payment Agent remuneration is agreed by the Parties in the Contract and is expressed as a percentage of the amount of received funds, if the Payment Agent does not charge remuneration from individuals in his favor, or in a fixed amount for the Reporting Period, if the Payment Agent collects the remuneration from individuals in his favor. The Payment Agent remuneration includes VAT at the rate, established by the legislation of the Russian Federation. In case, when the Payment Agent is not a VAT payer, the Payment Agent remuneration is VAT free.
3.7.2. The remuneration for the Reporting Month is paid to the Payment Agent on the basis of the agreed Report of the Payment Agent until the twentieth (20th) day of the month, following the Reporting Month.
3.7.3. The costs, incurred by the Payment Agent in the performance of its obligations, including the remuneration paid to the subagents by the Payment Agent on the basis of the contracts concluded between them, are not refundable by the Operator, unless otherwise is agreed by the Parties in addition.
3.7.4. The Payment Agent shall have the right to charge individuals, which provide funds, a fee (the remuneration) in his favor, if this is provided by the Contract.
The maximum amount of remuneration for the Payment Agent, collected from individuals, is indicated in the Contract. The collected remuneration package for the Payment Agent and the subagent from an individual shall not exceed the maximum amount of the Payment Agent remuneration, provided in the Contract.
In case of granting the right to the Payment Agent according to the Contract to collect the remuneration from individuals, the Payment Agent is obliged to notify the Operator about the collected remuneration, as well as about its change within the limits, established by the Contract, within three (3) Business Days from the date of conclusion of the Contract, or corresponding changes by sending information on the rate of remuneration to the e-mail address infobanks@yoomoney.ru.
3.7.5. In cases, provided by the Contract, the Payment Agent is obliged to pay the part of the remuneration, specified in subclause 3.7.4. of these General Terms and Conditions, to the Operator .

3.8. Payment Agent Report
3.8.1. Not later than the fifth (5th) day of the month, following the Reporting Month, the Payment Agent shall provide the Operator on the e-mail address finance.moscow@yoomoney.ru with the Payment Agent Report under the form posted on the page of the Operator's Website at https://yoomoney.ru/page?id=532345.
The Payment Agent report in hard copy and (if the Payment Agent is a VAT payer) the invoice is provided to the Operator not later than the tenth (10th) day of the calendar month, following the Reporting Month.
3.8.2. Within ten (10) calendar days from the date of receipt of the Payment Agent report on hard copy, the Operator shall approve the Payment Agent report by signing it or in the same period he shall send the Payment Agent a written reasoned refusal to accept the Payment Agent services (refusal from signing the Report).
3.8.3. If the Parties have the certificates of digital signature keys, issued by one or several accredited certification authorities and allowing Parties to conduct electronic interaction, the Parties agree on the Payment Agent Report by exchanging documents, signed by a qualified digital signature within the time limits, specified in subclauses 3.8.1 to 3.8.2. of these General Terms and Conditions. The exchange of the Payment Agent Reports in hard copy is not required in this case.
3.8.4. The Payment Agent report shall include information on all transactions, carried out by subagents for the relevant Reporting Period.

4. BANK. RIGHTS AND RESPONSIBILITIES OF THE PARTIES

4.1. General provisions.
4.1.1. The Bank undertakes to provide the Operator with information technology services, including the collection, processing and transfer of Notifications and Orders for Money Transfers when making money transfers from the Payers in favor of the Client, Merchants, Providers, their clients or customers of credit organizations – the Provider’s partners.
4.1.2. The Bank undertakes to send the Money Transfer Notification and the Order for Money Transfer (if applicable) to the Operator in real time according to the Information Exchange Protocol.
4.1.3. In order to comply with currency control requirements, the Resident Bank guarantees to the Operator the acceptance of Orders for Money Transfer only in the territory of the Russian Federation, and the Non-resident Bank exclusively outside the Russian Federation.
4.1.4. The Operator has the right to require from the Bank to provide the list in the form, specified by the Operator, of the places of execution of transactions for receiving Money Transfers / Orders for Money transfer. The Bank undertakes to provide the specified list within five business days from the receipt of the relevant request.
4.1.5. The Bank undertakes when accepting Orders for Money Transfers in favor of the Merchants, Providers and Provider clients, until the Payer submits the appropriate order in cases specified by the Operator, to bring to the Payer’s attention the “Terms and conditions for Transferring Money without Opening an account using the “Quick payment via YooMoney” service by providing at the transfers receiving place (office, interface of the ATM, the interface of online programs, etc.) the possibility of acquaintance with the indicated terms and conditions, placed on the page: https://yoomoney.ru/page?id=526623, as well as transfer information to the Operator in the Information Exchange Protocol on the fulfillment of this requirement.
4.1.6. Under the Contract the Bank and the Operator shall not carry out any activities related to acceptance of electronic means of payment in the territory of the Russian Federation, which are provided or may be provided by the Bank to the Payers.
4.1.7. Under the Contract, only those Money Transfers are made, Payers of which are individuals who are not registered as sole proprietors. The Bank shall monitor the Payers legal capacity, by the orders of which the Money Transfers are made, and shall refuse to accept the Order for Money Transfer sent by legal entities and sole proprietors, including using corporate Cards.
4.1.8. The Bank shall independently assess the sufficiency of the data on Money Transfers and Recipients received from the Operator in accordance with the Information Exchange Protocol for the purpose of verifying whether there are any signs of funds transfer without the voluntary consent of the client in accordance with Federal Law No.161-FZ “On the National Payment System”. By entering into the Contract, the Bank confirms that the data being received by it from the Operator is sufficient to perform the abovementioned verification.
The Operator shall not be liable for any losses and other unfavorable consequences incurred by the Bank as a result of the Bank’s violation of the provisions of the legislation of the Russian Federation on verification of the existence of signs of funds transfer without the voluntary consent of the client, including those related to reimbursement of the amounts of Money Transfers to the Payers.
4.1.9. The Bank shall, based on the data it has about the Payer and the Recipient, and the credit organizations servicing them, to control the legality of the Money Transfer taking into account the applicable laws of the Russian Federation, including those that establish restrictions on cross-border Money Transfers in case of bans imposed by a foreign state, prohibition of the Money Transfers involving persons included in the list of organizations and individuals in respect of whom there is information about their involvement in extremist activities or terrorism, and in case such grounds are found to exist, refuse to proceed with the Money Transfer.

4.2. Bank remuneration and settlement procedure.
4.2.1. The Operator undertakes to pay the Bank a remuneration for the rendered services in the amount, agreed by the Parties in the Contract. The Bank remuneration is not subject to VAT in accordance with subclause 4 of Cause 3 of Article 149 of the Tax Code of the Russian Federation. Taxation of the remuneration of the Non-Resident Bank on the territory of the country of its establishment is carried out in accordance with the personal law of the Non-Resident Bank. Remuneration of the Non-Resident Bank includes all taxes and fees, specified by the legislation of the country of its establishment, and which are calculated and paid by the Non-Resident Bank independently.
4.2.2. The Operator shall transfer the remuneration for the Reporting Month to the Bank on the basis of the Certificate of Services Rendered by the Parties not later than the twentieth (20th) day of the month, following the Reporting Month.
4.2.3. The Bank is entitled to collect the remuneration from the Payers in its favor, provided there is an appropriate provision in the Contract.
In case of granting the right to the Bank according to the Contract to collect the remuneration from the Payer, the Bank is obliged to notify the Operator about the collected remuneration, as well as about its change within the limits, established by the Contract, within three (3) Business Days from the date of conclusion of the Contract, or corresponding changes by sending information on the rate of remuneration to the e-mail address infobanks@yoomoney.ru.
The Bank undertakes to pay the part of the remuneration, specified in this Clause, in the amount, determined in the Contract, to the Operator concurrent with the Money Transfer amount in the manner prescribed by subclauses 4.2.5., 4.2.6. of the General Terms and Conditions.
4.2.4. In the case of notification to the Operator in accordance with the Information Exchange Protocol on the deposits of funds, which were not actually received by the Bank, including erroneous notifications, notices, sent as a result of actions of third parties, the amount of money, indicated in such notifications, is subject to transfer to the Operator regardless of the Bank's fault in sending such notices. In these cases, the Bank has the right to apply to the Operator with a written application about the non-recurrence / refund of the relevant amount to the Recipient, which is sent by e-mail to the address otmena-banks@yoomoney.ru. On the basis of the original of the Bank’s application, received by the Operator in the form, established by the Operator, the Operator returns to the Bank the amount of money (its part), if the latter was not fully or partially used by the Client and the Recipient's consent was received by the Operator.
For the refund/non-credit of funds to the Recipient in accordance with this Clause, the Operator has the right to withhold from the Bank a fine of ten percent of the returned/non-credited amount.
The Operator is not responsible for the impossibility to return the amount of money credited to the Recipient erroneously or / as a result of actions of third parties.
4.2.5. The Bank shall, within five (5) Business Days from the date of connection to the SHC, transfer to the Operator the Collateral in the amount, determined by the Bank, in rubles of the Russian Federation. In the future, the Bank, in the event of such a need, replenishes the amount of Collateral at own discretion. In all cases, provided in this paragraph, the Bank indicates the following purpose of payment: “Security deposit under Contract No. [number and date of the Contract]. VAT free”.
In the event of an excessive reduction in the balance of the Collateral, the fact of which is determined by the Operator individually, the Operator has the right to require the Bank to suspend the receipt of Money Transfers and / or replenishment of the Collateral to its amount, independently determined by the Bank upon the first payment of the Collateral.
The amount of the Collateral remaining after settlements under the Contract shall be returned by the Operator to the Bank within ten (10) Working Days from the date of termination of the Contract.
4.2.6. The amount of each Money Transfer is withheld by the Operator from the amount of the Collateral at the time the Operator receives the Money Transfer Notification from the Bank.
The amount of the Collateral balance limits the maximum amount of Money Transfer Notifications, accepted by the Operator under the Contract. The Operator does not have rights and obligations with respect to funds, received in excess mentioned ceiling amount. All Payers’ claims, related to the fact of taking such funds, are resolved by the Bank independently and at their own expense.
4.2.7. Settlements under the Contract are made in rubles of the Russian Federation.
4.2.8. Bank’s monetary obligations shall be deemed fulfilled upon receipt of monetary funds on Operator’s correspondent account.

4.3. Procedure for accepting services rendered by the Bank.
4.3.1. Monthly within Five (5) Business Days from the end of the Reporting month, the Bank forms and sends to the Operator the draft of the Certificate of Services Rendered for preliminary approval to the e-mail address finance.moscow@yoomoney.ru using the form settled on the Operator’s Website at https://yoomoney.ru/page?id=532345.
4.3.2. Within five (5) days from the date of receipt of the draft Certificate of Services Rendered, the Operator must approve it and send it to the Bank via email or send its objections in the same order.
4.3.3. Within three (3) Business Days from the date of receipt from the Operator of the agreed Certificate of Services Rendered, the Bank signs and sends two copies of the agreed Certificate of Services Rendered to the Operator.
4.3.4. Within three (3) Business Days from the date of receipt from the Bank of the signed Certificate of Services Rendered in hard copy, the Operator must send one copy of the signed for its part Certificate of Services Rendered to the Bank.
4.3.5. If the Parties have the certificates of digital signature keys, issued by one or several accredited certification authorities and allowing Parties to conduct electronic interaction, the Parties agree on the Certificates of Services Rendered by exchanging documents, signed by a qualified digital signature within the time limits, specified in subclauses 4.3.1 to 4.3.4. of these General Terms and Conditions. The exchange of the Certificates of Services Rendered in hard copy is not required in this case.

5. SENDER. RIGHTS AND RESPONSIBILITIES OF THE PARTIES

5.1. General provisions.
5.1.1. The Operator undertakes to provide informational and technological services to the Sender for remuneration. The services provided include collection, processing and transfer of information about the Deposits made by the Operator.
5.1.2. The Operator undertakes to process Sender's requests for the Deposits channeled through the Information Exchange Protocol or the Merchant Profile. If the processing is successful, the Deposit can be done in real-time.
The amount contained in Sender's Deposit request and credited to the Client shall be specified in Russian Federation Rubles.
5.1.3. The Operator has the right to decline making the Deposit under any of the following consequences:

• the amount of the Deposit exceeds the Collateral Balance or the technical limit established for the Sender at the conclusion of the Contract;

• the Deposit will entail a violation of the requirements of the legislation of the Russian Federation, Regulations of the Bank of Russia or the terms of the contract concluded between the Operator and the Client;

• the Operator has identified that the Deposit making transaction corresponds to the signs of funds transfer without the voluntary consent of the client, inter alia, due to the presence in the database of the Bank of Russia on cases and attempts to transfer funds without the client’s voluntary consent of information about the Recipient of the Deposit amount or its electronic payment means.

5.1.4. The Sender is obliged to independently resolve with the Clients and tax authorities all the issues related to the payment of taxes that must be paid by the Client for the amount of the Deposits.
5.1.5. The Sender shall bear all risks arising from the transfer of erroneous information sent by the Sender in the manner established by the Information Exchange Protocol, including the information about the Client and the Deposit amount.

5.2. Cooperation of the Parties when the Client sends the Order for Money Transfer of the Deposit Amount.
5.2.1. The Sender at its own discretion shall provide its Clients with the possibility to send an Order for Money Transfer of the Deposit Amount using the official website of the Sender indicated in the Contract or the Application for further transfer of the Deposit amount in payment for mobile telephone communications services provided by the following operators: PJSC "MTS", PJSC "VimpelCom" (Beeline), PJSC "MegaFon", t2, LLC "Scartel" (Yota), OJSC "SMARTS", TG MOTIV.
5.2.2. In order to fulfill the obligation provided for in subclause 5.2.1 hereof, the Sender shall place on its official website a link to the Operator’s Website located at https://yoomoney.ru/page?id=526623 and containing the text of the Operator’s offer addressed to individuals who are citizens of the Russian Federation. The page of the Sender’s website with the specified link shall contain a checkbox for an individual to accept the Operator’s offer.
5.2.3. To send the Order for Money Transfer of the Deposit Amount, the Client must accept the Operator’s offer. The Sender guarantees the observance of this condition when sending the Order for Money Transfer of the Deposit Amount to the Operator.
5.2.4. The Orders for Money Transfer of the Deposit Amount are sent by the Sender to the Operator through the Information Exchange Protocol or the Merchant Profile with simultaneous transmission of information about the Client’s acceptance of the Operator’s offer.
5.2.5. If the Order for Money Transfer of the Deposit Amount cannot be executed by the Operator due to the absence of the details or their incorrectness or other circumstances beyond Operator's control, the Operator shall return the Deposit amount to the Sender on its Collateral balance.

5.3. Payment terms and remuneration of the Operator.
5.3.1. To secure the performance of obligations, the Sender shall within five (5) Business Days from the date of receipt of notification of readiness for informational interaction from the Operator transfer the Collateral to the Operator in the amount determined by the Sender. Further, the Sender transfers the additional amount of the Collateral at its own discretion if necessary.
5.3.2. The transfer of the Collateral amount is carried out by a payment order to the account specified in the Application or the Contract and opened by the Operator for Collateral transfers. The following statement is specified as the purpose of the payment: "Collateral amount under the contract [Contract Number and Date]. Excluding VAT".
5.3.3. The Collateral amount is transferred by the Sender-resident in Russian Federation Rubles.
The Collateral amount may be transferred by the non-resident Sender in Russian Federation Rubles or in foreign currency. The currency of non-resident Sender obligation used for Collateral amount transfer is indicated in the Contract or the Application.
5.3.4. If the Sender's Currency of the Obligation to transfer the Collateral amount is a foreign currency, the further settlement under the Contract shall be calculated for by the Operator in Russian Rubles using the reduced by two percent (2%) rate of the Currency of the Obligation to the Russian Federation Ruble established by the Bank of Russia on the date of receipt of the Collateral amount to the correspondent account of the Operator.
5.3.5. The Collateral amount remained after settlement under the Contract shall be returned by the Operator to the Sender within ten (10) Business Days from the date of termination of the Contract or its expiration.
If the Sender's Currency of the Obligation to transfer the Collateral amount is a foreign currency, the Collateral amount shall be paid by the Operator in the following order: the Collateral amount in Russian Federation Rubles shall be recalculated into the Currency of Obligation at the rate of this currency to the Russian Federation Ruble established by the Bank Russia on the date of the Collateral amount refund and increased by two percent (2%), and is transferred in the Currency of Obligation to the bank account of the Sender.
5.3.6. Each Deposit Amount is withheld by the Operator from the Collateral amount at the time of Deposit transfer.
5.3.7. The Sender undertakes to pay the Operator a fee for the services in the amount agreed by the Parties in the Contract or the Application. The Operator's remuneration is not subject to VAT in accordance with subparagraph 4 of paragraph 3 of Article 149 of the Tax Code of the Russian Federation.
The Operator's remuneration is withheld from the Collateral amount no later than the day of the Deposit. If the Collateral amount is not enough to retain the remuneration in full, the Sender shall transfer the missing amount to the Operator within three (3) Working Days from the date of receipt of the relevant Operator’s request sent via email.
5.3.8. When the Operator returns the amount of Deposit in the order described in Clause 5.2.5. of these General Terms and Conditions, Operator's remuneration is not charged. If the Deposit amount is returned after the Operator retained the remuneration, the Operator returns the amount of such remuneration to the Sender by increasing its Collateral balance by the remuneration amount.
5.3.9. Sender’s monetary obligations shall be deemed fulfilled upon receipt of monetary funds on Operator’s correspondent account.

5.4. The order of acceptance of services rendered by the Operator.
5.4.1. Within five (5) days after the end of the Reporting Month, the Operator sends to the Sender via email the Certificate of Services Rendered in the Reporting Month. The Operator may also post the Certificate of Services Rendered in the Merchant Profile within ten (10) days from the end of the Reporting Month.
5.4.2. Within five (5) days from the date of receipt of the Certificate of Services Rendered, the Sender is obliged to approve it and send it to the Operator via e-mail to finance.moscow@yoomoney.ru, or send its objections to the same address.
5.4.3. Within three (3) Business Days from the date of receipt from the Sender of the approved Certificate of Services Rendered, the Operator signs and sends to the Sender two copies of the approved Certificate of Services Rendered.
5.4.4. Within three (3) Business Days from the date of receipt from the Operator of the signed Certificate of Services Rendered in hard copy, the Sender shall send to the Operator one copy of the signed Certificate of Services Rendered.
If the Sender fails to send the signed Certificate of Services or written motivated refusal from signing it within the specified period, the corresponding services are considered to be rendered by the Operator in full and properly.
5.4.5. If the Parties have keys certificates of electronic signature verification issued by one or several accredited certification authorities and allowing Parties to conduct electronic interaction, the Parties agree on the Certificates of Services Rendered by sending the documents signed by a qualified electronic signature within the time limits specified in subclause 5.4.1 to 5.4.4 of these General Terms and Conditions. Exchange of Certificate of Services Rendered in hard copy is not required in this case.

6. THE MERCHANT. RIGHTS AND RESPONSIBILITIES OF THE PARTIES

6.1. General provisions.
6.1.1. The Operator undertakes to provide informational and technological services to the Merchant for remuneration. The services include collection, processing and transfer of information on Money Transfers to the Merchant in accordance with the Information Exchange Protocol for Money Transfers, and also publishing information about the Merchant in the manner prescribed by the Offer Program API.
The Payment Aggregator shall provide the Merchant for a fee with a service, including participation in the transfer of Money Transfer amounts, to the extent, in the manner and on the terms of the concluded Contract in accordance with Section 9 of Annex No. 4.1 hereto.
6.1.2. The Operator undertakes to forward the Money Transfer Notification to the Merchant in real time in favor of the Merchant in accordance with the Information Exchange Protocol.
6.1.3. The Merchant undertakes to acknowledge the monetary obligations of Payers to the Merchant executed from the moment when the Operator sends the Money Transfer Notification to the Merchant.
6.1.4. The Merchant undertakes to independently resolve any claims of the Payers, except for claims related to Invalid or Fraudulent Transactions. If the consideration of such claim resulted in the refund of the amounts of Money Transfers received, the Merchant shall use the refund method provided by the Contract.
6.1.5. The methods of payment of Money Transfers by the Payers to the Merchant, as well as the peculiarities of the Parties interaction when making Money Transfers in one way or another, are indicated in the Table of Payment Methods in Annex No. 4 to these General Terms and Conditions.
The Merchant undertakes to the fullest extent fulfill all obligations and comply with all requirements established by Annex No. 4 to the General Terms and Conditions in relation to payment methods connected to it.
The list of payment methods connected to the Merchant is specified in the Contract or Application. The approval of the use of new payment methods is carried out by the Parties in one of the following ways:
(a) by the Operator sending an offer with a proposal to connect a new payment method and an indication of the amount of the remuneration of the Operator (and the Payment Aggregator, if the Contract is concluded with its participation) to any of the Counterparty’s email addresses; the Merchant’s actions for the performance of the Contract, including a transfer, in accordance with the Information Exchange Protocol, of the request for the Money Transfer, shall be deemed the Merchant’s acceptance and the amendment of the Contract regarding the addition of a new payment method; the conclusion of a supplementary agreement in hard copies is not required in this case;
(b) by means of conclusion of a supplementary agreement to the Contract in hard copy signed by authorized representatives of the Parties;
(c) by means of conclusion of a supplementary agreement to the Contract in electronic form signed by a qualified electronic signature of authorized representatives of the Parties;
(d) by exchanging scanned copies of a supplementary agreement to the Contract, signed by authorized representatives of the Parties;
(e) in case the Merchant’s technical integration with the SHC of the Operator assumes entering of the data on the payment form placed on the Operator’s Website by the Merchant for the purposes of making a Money Transfer – by adding a new payment method on the payment form by the Operator, about which the Operator shall notify the Merchant via email or the Merchant Profile with indication of the Operator’s remuneration for making the Money Transfer using this method; the Merchant may refuse to have the new payment method connected to it through sending the Operator a message within three (3) Working Days since its receipt of the abovementioned notification of the Operator.
The Operator has the right to terminate the Money Transfers in favor of the Merchant in any of the ways indicated in the Table of Payment Methods by sending a notice to the Merchant via email no later than the day of such termination.
6.1.6. The Merchant undertakes to notify the Operator of the changes planned in the list of Product sold not later than five (5) Business Days before the changes are adopted.
6.1.7. The Merchant shall comply with the PS rules, including the obligation not to sell the Products, if such Products and/or the methods of their sale used by the Merchant are prohibited in accordance with the legislation of the place of the Merchant’s location, the legislation of the Russian Federation, the PS rules, including the rules of the fast payment service of the Bank of Russia payment system.
6.1.8. During the execution of the Contract, the Merchant shall be entitled to assign the right to a third party to perform technical interaction with the Operator on behalf of the Merchant, including the transfer of orders for the Payment Refund and the receipt of information on Money Transfers under the Contract on conditions specified in Clause 2.8. of these General Terms and Conditions.
The types of transactions, which can be initiated by a third party or information about which can be transferred to a third party, are determined solely by the Merchant through the functionality of the Information Exchange Protocol or are agreed with the Operator in the manner provided for in Clause 2.10. of these General Terms and Conditions.
The Merchant may at any time to stop the participation of a third party, using the functionality of the Information Exchange Protocol or by sending the Operator a notice in the form specified by the Operator in the manner provided for in Clause 2.10. of these General Terms and Conditions.

6.1.9. The Merchant shall provide the Operator with information about the Products sold by the Merchant within three (3) Business Days from the date of receipt of the relevant Operator's request, a description of the procedure for payment and provision of the Products to the Individuals, as well as procedures for refusing and returning Products.
6.1.10. Within three (3) Business Days from the date of receipt of the relevant request of the Operator the Merchant shall provide the Operator with information on the transaction, in respect of which the procedure of its recognition as Fraudulent or Invalid has been initiated, in the scope determined by the Operator, including information on the obligation in payment for which the transaction was made, documents confirming the occurrence of this obligation and its performance by the Merchant.
6.1.11. The Operator has the right to provide the Acquirers, PS and Banks who serve the Payers with information (the Data) about the Merchant, including legal/postal address, telephone/fax numbers, e-mail addresses, website, bank details, information on a state registration, registration with the tax authority, the Data of managers and other authorized representatives of the Merchant, if such Data are requested by the Acquirers, Banks, PS or are necessary for registration of the Merchant in their information systems.
The amount of the Data is determined by the relevant Bank, Acquirer or PS.
The Merchant guarantees to the Operator that it will comply with the provisions set forth in Section 14 of these General Terms and Conditions, inter alia, with regard to obtaining a consent of its managers and other authorized representatives, whose Data were submitted to the Operator at the conclusion of the Contract, to submit their Data to the Acquirers, Banks and PS in accordance with the terms of this subclause.
If the connection to the YooMoney Service was initiated by the Merchant on the website, in the mobile application, or other information resource owned by a third party, the Operator is entitled to transmit to this third party information (the Data) about the Merchant, the Contract concluded by it with the Merchant, the amounts of Money Transfers made in favor of the Merchant, including the Merchant's Taxpayer Identification Number (INN) and its website URL, the date of conclusion and termination of the Contract, the amount of the Operator's remuneration due under the Contract, and information about changes in the amount of the remuneration, the date of the first Money Transfer, the amount and quantity of the Money Transfers in favor of the Merchant, with a breakdown by payment methods.
The Data transmission in accordance with this subclause does not constitute violation of the confidentiality requirements by the Operator, and the Operator may not be held liable for such data transmission.
6.1.12. The Operator has the right to require the Merchant to provide Collateral for the fulfillment of obligations, that may arise in the future, to withhold the amounts of Fraudulent and/or Invalid Transactions, as well as fines of the PS upon the occurrence of any of the following conditions:
• in the previous calendar month, more than one hundred (100) Money Transfers were recognized as Fraudulent and/or Invalid Transactions;
• the amount of Fraudulent and/or Invalid Transactions for the previous calendar month amounted to more than one percent (1%) of the total amount of Money Transfers made in favor of the Merchant for the specified calendar month;
• availability of circumstances evidencing that the Operator may be fined by the PS in connection with the execution of the Money Transfers settled using the Cards in favor of the Merchant.
The amount of the Collateral to be paid by the Merchant is determined by the Operator and may not exceed the amount of the Money Transfers recognized as Fraudulent and/or Invalid Transactions for the previous six (6) calendar months. The Operator has the right to demand replenishment of the Collateral from the Merchant in the event of an increase in the total amount of Fraudulent and/or Invalid Transactions and/or withholding of the amounts of such transactions and/or fines of PS from the Collateral by the Operator. In this case, the amount of Collateral required by the Operator in any case may not exceed the amount indicated above.
The obligation of the Merchant to provide the Operator with the Collateral arises on the day the Operator sends the corresponding request to the Merchant by e-mail or the Merchant Profile and shall be performed in a proper manner within five (5) Business Days from the day it is received.
The Operator has the right to terminate the Merchant’s obligation to provide the Operator with the Collateral, including with a non-maturing deadline, by offsetting the Merchant’s requirement to transfer him the amounts of Money Transfers, by sending the Merchant an application by e-mail or the Merchant Profile.
The Collateral shall be returned to the Merchant minus all withholdings that the Operator has the right to make, within one hundred eighty (180) days from the date of termination of the Contract.
6.1.13. The Operator, within the framework of the YooMoney Service, provides the Merchant with the opportunity to connect additional functionality in the manner and on the conditions established in Annex No. 4.1 to these General Terms and Conditions. The Merchant, having connected the additional functionality, undertakes to the fulliest extent fulfill all the obligations and comply with all the requirements established by Annex No. 4.1 to these General Terms and Conditions for this type of functionality.
6.1.14. The availability of certain payment methods, as well as any functionality provided for in these General Terms and Conditions, may be limited depending on the Information Exchange Protocol used by the Merchant.
6.1.15. Features of Money Transfers acceptance when the Merchant sells the Products using the Marketplace, and the requirements for the Merchant, who is also the Marketplace Moderator, are established by Clause 5 of Annex No. 4.1 to the General Terms and Conditions.
6.1.16. Specifics of settlements under deals made by individuals in the Purchase Protection Service as well as requirements for the Merchant that also acts as the PPS Moderator, are set out in Clause 6 of Annex No. 4.1 to the General Terms and Conditions.

6.2. Payment terms and remuneration of the Operator.
6.2.1. The Merchant undertakes to pay remuneration to the Operator, as well as to the Payment Aggregator, if it participates in the transfer of funds under the Contract, for the services rendered in the amount agreed by the Parties in the Contract or the Application. The amount of the Operator’s and the Payment Aggregator’s remuneration for the Reporting Month is calculated on the basis of the Certificate of Services Rendered as a percentage of the amount of each Money Transfer for which Notification is sent to the Merchant for the Reporting Month.
The Operator's remuneration is not subject to VAT in accordance with subparagraph 4 of paragraph 3 of Article 149 of the Tax Code of the Russian Federation.
The remuneration of the Payment Aggregator includes VAT at the rate established by the applicable legislation.
6.2.2. The remuneration is withheld from the amounts to be transferred to the Merchant.
6.2.3. The Merchant shall not have the right to collect remuneration from the Payers or impose any additional costs on them related to their transfers using the Operator, unless otherwise is agreed with the Operator.
6.2.4. Any costs incurred by the Operator during the performance of its obligations under the Contract are added to the amount of the Operator's remuneration and are not subject to additional compensation by the Merchant, unless such compensation is agreed in a separate agreement between the Parties.
6.2.5. The Money Transfer amounts shall be transferred to the Resident Merchant in Russian rubles, net of any withholdings that the Operator/Payment Aggregator is entitled to make in accordance with these General Terms and Conditions, no later than the second (2nd) Business Day from the date on which the Operator sends the Money Transfer Notification to the Merchant.
The amount transferred by the Operator is indicated in the Money Transfer Notification in Russian Federation Rubles.
6.2.6. Money Transfer Amounts shall be transferred to the non-resident Merchant using one of the following ways:
(a) If the Currency of the Product and the Currency of the Obligation of the Operator to transfer the Merchant the amounts of Money Transfers are Russian rubles, the Money Transfer amount is transferred to the Merchant, net of any withholdings that the Operator is entitled to make in accordance with these General Terms and Conditions, in Russian rubles no later than the second (2nd) day from the date on which the Money Transfer Notification is sent by the Operator.
The amount transferred by the Operator is indicated in the Money Transfer Notification in Russian Federation Rubles.
(b) If the Currency of the Product and the Currency of the Operator's obligation that must be transferred to the Merchant is a foreign currency, the Money Transfer amount shall be transferred to the Merchant within forty (40) days from the date on which the Money Transfer Notification is sent to the Merchant if the period specified in the next paragraph will not occur earlier.
The Operator transfers the Money Transfers to the Merchant within ten (10) days once the Money Transfer amount reaches the following values:
• one thousand eight hundred (1,800) USD/Euro/CNY, if the Currency Operator's obligation to transfer the Money Transfer amounts to the Merchant is in USD/Euro/CNY respectively. For calculating the threshold value specified in this paragraph, the USD/Euro/CNY exchange rate of the Russian Federation as established by the Bank of Russia is applied and increased by two percent.
• one thousand (1,000) Russian Federation Rubles, if the Currency Operator's obligation to transfer the Money Transfer amounts to the Merchant is in a foreign currency other than USD, Euro or CNY.
The Money Transfer amounts are transferred to the Merchant net of any withholdings that the Operator has the right to make in accordance with these General Terms and Conditions, in the Currency Operator's obligations to transfer the Money Transfer amounts to the Merchant at the rate of this currency to the Russian ruble as established by the Bank of Russia on the date of transfer and increased by two percent.
The amount transferred by the Operator is indicated in the Money Transfer Notification in Russian Federation Rubles.
(c) If the Currency of the Product is a foreign currency, the amount of Money Transfer shall be transferred to the Merchant within forty (40) days from the date of sending the Money Transfer Notification to the Merchant if the period specified in the next paragraph does not come earlier.
The Operator transfers the Money Transfers to the Merchant within ten (10) days, once the Money Transfer amounts reach the following values:
• one thousand eight hundred (1,800) USD/Euro/CNY, is the Currency of the Product is USD/Euro/CNY respectively.
• one thousand (1,000) Russian rubles, is the Currency of the Product is a foreign currency other than USD, Euro or CNY. For calculating the threshold value specified in this paragraph, the exchange rate of the Currency of the Product to the Russian ruble, established by the Bank of Russia and increased by five percent, is applied.
The Money Transfer amounts are transferred to the Merchant in the Currency of the Product net of any withholdings calculated in the Product Currency that the Operator is entitled to make in accordance with these General Terms and Conditions.
In this case, the Operator transmits to the Merchant the Money Transfer Notifications containing the amount of each Money Transfer in the Currency of the Product, as well as in the Russian Federation Ruble at the exchange rate of the Currency of the Product to the Russian Federation Ruble increased by five percent, as determined by the Bank of Russia on the date of sending of Money Transfer Notification to the Merchant.
6.2.7. When concluding the Contract with a Non-resident Merchant, the Currency of the Product and the Currency of the Operator's obligation to transfer the Money Transfer amounts shall be indicated in the Application or the Contract.
6.2.8. The Operator’s monetary obligations to transfer the Money Transfer amounts to the Merchant shall be deemed fulfilled upon writing-off the amount due from the Operator’s correspondent account.
The obligation of the Payment Aggregator to transfer to the Merchant the amounts of the Payers’ Money Transfers is considered fulfilled the moment the funds are debited from the special account of the Payment Aggregator, less the remuneration of the Operator, the Payment Aggregator and other deductions made in favor of the Operator and the Payer from the funds due to the Merchant under the terms of the Contract, service “Receipts from YooMoney” and the present General Terms and Conditions.
6.2.9. The Money Transfer amounts are remitted exclusively to the bank account opened to the Merchant. The fulfilment of the Operator’s obligations under the Contract is subject to the Merchant’s fulfilment of the obligation to provide the Operator with bank details, using which the Operator can render the services set forth under the Contract, and, in particular, transmit the amounts of the Money Transfers to the Merchant.
Non-compliance of the bank details provided by the Merchant with the requirements stated above shall be unilaterally determined by the Operator on the basis of, inter alia, the following facts: detection of errors in the bank details, discrepancy between the recipient and the Merchant, receipt of a notice from the correspondent bank on impossibility to credit the amount of Money Transfers to the recipient, return of the amount of Money Transfers from the correspondent bank, impossibility to transfer funds, in particular due to sanctions, special economic measures and other hostile actions of foreign states.
The Operator is entitled not to start rendering the services provided for under the Contract to the Merchant or at any time suspend their rendering, including information and technological servicing of the Merchant and remittance of the Money Transfers amounts to it, in case of occurrence or detection of the fact of non-compliance of bank details of the Merchant with the requirements specified in the first paragraph of the present sub-clause.
Failure of the Operator to fulfil the obligation to transfer the amounts of the Money Transfers to the Merchant due to occurrence or detection of the fact of non-compliance of bank details of the Merchant with the requirements specified in the first paragraph of this sub-clause shall not constitute a breach of the Contract on the part of the Operator and a basis for bringing it to responsibility for non-fulfillment or improper fulfilment of the Contract.
6.2.10. If the Currency of the Obligation of the Operator to transfer the amounts of Money Transfers to the Merchant is a foreign currency, and the Operator cannot transfer funds in favor of the Merchant in the foreign currency due to circumstances beyond its control, including application of sanctions, special economic measures and other hostile actions of foreign states, the Operator is entitled to transfer the Money Transfers to the Merchant in Russian rubles in the amount specified in the Money Transfer Notifications, less all the deductions set forth in the present General Terms and Conditions.
In this case, the amounts of deductions as well as the amounts of claims, made against the Merchant in accordance with the General Terms and Conditions after the Money Transfer amounts were transferred to the Merchant hereunder, shall be calculated in Russian rubles:
• at the exchange rate of the Currency of the Obligation of the Operator to the Russian ruble, established by the Bank of Russia on the date of transfer, reduced by five per cent – for the Operator’s remuneration and other obligations calculated as a percentage of the Money Transfer amount,
• in the amount indicated in the Money Transfer Notification – for the Fraudulent and Invalid Transactions,
• in the amount specified in the PS’ request – for the PS’ fines,
unless other terms of settlement and exchange are agreed by the Parties.

6.3. Procedure for accepting the services provided by the Operator.
6.3.1. The acceptance of the services rendered by the Operator is formalized by means of the Certificate of Services Rendered.
6.3.2. Within five (5) days after the end of the Reporting Month, the Operator shall send to the Merchant via email a Certificate of Services Rendered for the Reporting Month. If the Merchant has a Merchant Profile, the Operator also places the Certificate of Services in the Merchant Profile within ten (10) days from the end of the Reporting Month. In the event that the Operator has not executed any Money Transfer orders in favor of the Merchant in the Reporting Month, the Operator has the right not to execute the Certificate of Services Rendered.
6.3.3. If the Merchant has objections to the Certificate of Services Rendered, it shall send such objections to the Operator via e-mail to the address shoppay@yoomoney.ru no later than on the fifteenth (15th) day of the month following the Reporting Month. If the Operator does not receive any objections from the Merchant within the specified period, the relevant Operator’s services are considered to be rendered in full and properly.
6.3.4. In the event that the Merchant's objections related to the amounts contained in the Certificate of Services Rendered are found to be justified, the Operator undertakes to send the Merchant's remarks to the Merchant at the address specified in the Application or the Contract within three (3) Business Days after the objections to the specified Certificate of Services Rendered are received. Objections to the updated Certificate of Services Rendered by the Merchant may be announced not later than the first Business Day following the day of its receipt, otherwise the specified Certificate of Services Rendered is deemed to be accepted by the Merchant without remarks, and the corresponding services of the Operator are rendered in full and properly. In the event that the Merchant's objections related to the amounts contained in the Certificate of Services Rendered are found to be justified, the Operator undertakes to send the Merchant's remarks to the Merchant at the address specified in the Application or the Contract within 3 (three) Business Days after the objections to the specified Certificate of Services Rendered are received. Objections to the updated Certificate of Services Rendered by the Merchant may be announced not later than the first Business Day following the day of its receipt, otherwise the specified Certificate of Services Rendered is deemed to be accepted by the Merchant without remarks, and the corresponding services of the Operator are rendered in full and properly.
6.3.5. If the Merchant has the need to sign the Certificate of Services Rendered in writing on paper, the Merchant shall, after the Certificate of Services Rendered is agreed, send two copies of the Certificate of Services Rendered signed by the Operator to the Operator. In this case, the Operator undertakes to sign both copies and send one copy of the Certificate to the Merchant within 3 (three) Business Days from the date of receipt of the Certificate of Services Rendered in hard copy from the Merchant.
6.3.6. The Operator has the right not to execute the Certificate of Services Rendered, if the Operator did not execute any Transfer orders in favor of the Merchant during the Reporting Month.
6.3.7. If the Parties have keys certificates of electronic signature verification issued by one or several accredited certification authorities and allowing Parties to conduct electronic interaction, the Parties agree on the Certificates of Services Rendered by sending the documents signed by a qualified electronic signature within the time limits specified in subclauses 6.3.2. to 6.3.4. of these General Terms and Conditions. Exchange of Certificate of Services Rendered in hard copy is not required in this case.
6.3.8. If it is necessary for the Operator to re-submit the Certificates of Services Rendered in hard copy, and such necessity is caused by the circumstances for which the Operator is not liable, the Merchant pays remuneration of one hundred (100) rubles per 1 document, including VAT.
6.3.9. The services rendered under the Contract entered into with the Payment Aggregator shall be accepted taking into account the specifics established by Section 9 of Annex No. 4.1 hereto.

6.4. Payment Refund Order.
6.4.1. The transfer of order for the Payment Refund in real time is possible:

• via the MWS/YooMoney API/Sberbank PI (API) in the event of the implementation of the MWS/YooMoney API/Sberbank PI (API) by the Merchant;

• via Merchant Profile;

• via the other mean agreed by the Parties.

6.4.2. The Merchant who implemented the MWS, uses the YooMoney API or the Sberbank PI (API) as the Information Exchange Protocol has the right to initiate a Payment Refund that is to be carried out pursuant to the order of the Merchant executed in accordance with the MWS/YooMoney API/Sberbank PI (API) and signed by an electronic signature in accordance with the Electronic Document Flow Agreement.
6.4.3. The Money Transfer Refund via the Merchant Profile is carried out in accordance with the functions of the Merchant Profile. Order for Refund submitted through the Merchant Profile, which is logged in with the correct Merchant authorization data, are equal to the order of the Merchant signed by his own hand.
6.4.4. The Money Transfer Refund shall not entail the Operator’s/Payment Aggregator’s obligation to refund to the Merchant the amount of remuneration received for this Money Transfer except the case specified in the second paragraph of this subclause 6.4.4.
If the Merchant who uses HTTP protocol has sent an order to return the full amount of the Money Transfer via the MWS or the Merchant Profile no later than the day on which he received this Money Transfer Notification, the Operator’s/Payment Aggregator’s remuneration for such Money Transfer shall not be withheld. In this case the Money Transfer is not recognized as performed one and is not included in the Certificate of Services Rendered.
The Operator shall not charge remuneration for the provision of services related to the processing of the Money Transfer Refund.
6.4.5. The Merchant may send to the Operator several refund orders on parts of the same amount of Monet Transfer if their total amount does not exceed the amount of this Money Transfer.
6.4.6. The Operator/Payment Aggregator withholds the amount of the Payment Refund from the Money Transfers to be transferred to the Merchant or from the Collateral amount provided for this purpose by the Merchant or a third party. In the event that the amount of the Money Transfers and/or the Collateral is insufficient for the full withheld, the Merchant shall transfer to the Operator/Payment Aggregator the rest of the amount within three (3) Working Days from the date of receipt of the relevant Operator's request sent via email or in hard copy.
6.4.7. The Resident Merchant who has not implemented the MWS/YooMoney API/Sberbank PI (API) and does not have the Merchant Profile and has not agreed with the Operator in any other method has the right to make a Payment Refund by transferring to the Operator/Payment Aggregator a payment order of the amount of the Money Transfer (or its part) to the Operator/Payment Aggregator account intended for refunds. When transferring the Payment Refund, the Merchant shall indicate: "Refund of funds under the contract [Contract number and date] for transfer No. [transfer number] of user No. [number assigned to the Payer by the Operator], excluding VAT" in the “Payment Purpose” field. A separate payment order shall be formed for each Payment Refund.
Payment Refund of the Money Transfer in accordance with this subclause shall not entail the Operator’s/Payment Aggregator’s obligation to return the amount of remuneration received for this Money Transfer.
6.4.8. The possibility of the Payment Refund on the initiative of the Merchant depends on the Money Transfer method and is indicated in the Table of Payment Methods.
If the Money Transfer, in regard to which the Payment Refund may be performed in accordance with the Table of Payment Methods, cannot be refunded due to the closure of the Wallet, Card, a bank account, or for any other reasons beyond the Operator‘s control, including due to the refusal of the Bank serving the Payer to make a Payment Refund, the Operator shall inform the Merchant of the impossibility of the Payment Refund using any of the methods provided for by the General Terms and Conditions, and transfer to the Merchant the amount previously withheld for the purpose of the Payment Refund within ten (10) Working Days from the day when the Operator was informed of the impossibility of the Payment Refund of the Money Transfer.
6.4.9. The Operator/Payment Aggregator is entitled to not perform the Money Transfer, that were recognized as Fraudulent or Invalid Transactions, in favor of the Merchant and may deduct the amounts that were already transferred from the amounts that should be transferred to the Merchant.
In case of insufficient funds to complete the withholding, the Operator has the right to withhold the missing amount from the Collateral (if any) or request the Merchant to transfer the missing amount. The Merchant shall transfer to the Operator the missing amount within three (3) Business Days from the date of receipt of the relevant Operator's request.
In a similar manner, the Operator/Payment Aggregator is entitled to withhold/demand the transfer of any amounts of fees and expenses incurred by it in connection with the recognition of transactions as Fraudulent/Invalid. Such fees shall include (but shall not be limited to) a fee of 50 rubles payable by the Merchant per each challenge of the Money Transfer on the grounds of Fraudulent or Invalid Transaction, regardless of the outcome of the dispute.
The Operator/Payment Aggregator has the right to demand from the Merchant the refund of the amounts of Money Transfers recognized as Fraudulent/Invalid Transactions during the term provided by the Rules of the PS, but in any case within 180 days from the date of termination of the Contract.
If, based on the results of consideration of the Client’s application filed under the Buyer Protection Service, the Operator decides in favor of the Merchant, the disputed Money Transfer previously withheld from the Merchant shall be transferred in favor of the Merchant.
The Operator’s/Payment Aggregator’s remuneration on the Money Transfers returned to the Payers in accordance with this subclause 6.4.9. herein is charged and shall not be returned to the Merchant.
If the Operator/Payment Aggregator has any information about the facts, including those obtained from open sources or as a result of the analysis of the Merchant's activities, giving grounds to deem that the transaction may be declared Invalid or Fraudulent in the future, the Operator/Payment Aggregator has the right to suspend the transfer of the amount of such transaction to the Merchant for up to 180 days. After this period, if the transaction is not recognized as Invalid or Fraudulent, the amount of the transaction shall be transferred to the Merchant.
Conditions of this subclause 6.4.9. constitute the agreement of the Operator, Payment Aggregator (if the Contract is entered into with its participation), and the Merchant provided by article 406.1 of the Civil Code of the Russian Federation about compensation of the property losses of the Operator/Payment Aggregator by the Merchant which arose in cases:

• deduction by the Acquirer or by PS from the Operator of amounts of Invalid or Fraudulent transactions, as well as any fines, commissions and other payments under the PS rules – in the amount withheld by the Acquirer or by PS from the Operator;

• Money Transfers refund to Payers under the Buyer Protection Service - in the amount refunded to the Payers.

The Operator and Payment Aggregator are not responsible for non-transfer or suspension of Money Transfer on the reasons specified in this subclause 6.4.9., damages or penalties cannot be laid at them.
The Merchant shall be also obliged to reimburse the Operator/Payment Aggregator for the amounts of Invalid and Fraudulent Transactions, any fines, commissions and other payments under the PS rules, as well as money transfers refunded to the Payers under the Buyer Protection Service, made in favor of the third parties (and transferred to third parties), but using the Merchant's website specified in the Contract, the Merchant Profile or approved by the Operator when entering into or amending the Contract. The relations of the Parties regarding such money transfers shall be regulated in full by the provisions of this subclause 6.4.9.
6.4.10. The Operator has the right not to execute the Merchant's orders for the Payment Refund in the following cases:
(a) in the case the Operator has registered the Merchant's debt to the Operator/Payment Aggregator;
(b) if the amount of the Payment Refund (or its part) is greater than the amount of the Money Transfers accepted by the Operator in favor of the Merchant from the beginning of the day during which the Merchant submits an order for the Payment Refund and until the moment of submission of such order, as well as the Collateral amount provided for the performance of the Payment Refunds by the Merchant or a third party;
(c) if more than 15 (fifteen) months have passed since the date of the Operator’s providing the Merchant with the Money Transfer Notification of the Money Transfer in respect of which the Merchant is submitting an order for the Payment Refund.
The Operator shall notify the Merchant about the refuse to execute the order for the Payment Refund by means of the Information Exchange Protocol or by posting information in the Merchant Profile.
6.4.11. The residual amount of the Collateral provided by the Merchant or a third party for the purposes of making the Payment Refunds shall be returned to the Merchant within ten (10) Business Days from the date of termination of the Contract.
6.4.12. If the Collateral amount was credited against the Counterparty's obligation to reimburse the Operator for the Payment Refund, and in the future the transaction to provide the Operator with the Collateral amount was recognized as Fraudulent or Invalid Transaction, the terminated monetary obligation of the Merchant shall be restored and subject to performance in the manner prescribed by subclause 6.4.6 of the General Terms and Conditions.

7. PROVIDER. RIGHTS AND RESPONSIBILITIES OF THE PARTIES

7.1. The Operator undertakes to provide informational and technological services to the Provider, for a fee. The services include collection, processing and transfer of information on the Money Transfers in favor of the Provider, its clients or clients of the credit organizations which are a Provider’s partner.

7.2. The Provider undertakes to ensure that the Recipients of the Money Transfers fulfill the requirements specified in Section 6 of these General Terms and Conditions.

7.3. When making the Money Transfers in favor of the Provider’s clients or the clients of credit organization that is the Provider's partner, the Provider undertakes the following:

• timely transfer of Money Transfers to Recipients;

• the existence and legitimacy of contractual relations with the Recipients of Money Transfers;

• transmission to the Operator of complete, reliable and up-to-date information on the Recipients of the Money Transfers to the extent specified in the Information Exchange Protocol and/or requested by the Operator.

7.4. The list of Recipients of Money Transfers shall be specified in the Contract between the Operator and the Provider and may be modified by one of the following methods:
7.4.1. By the conclusion of the additional agreement to the Contract by the Parties;
7.4.2. By sending the application for connection of new Recipients to the Operator from the Provider's Merchant Profile or by the Provider's e-mail. The statement must contain a description of the Recipients and the technical characteristics necessary for informational and technological interaction between the Operator and the Provider while Money Transfers in favor of Recipient is performed. The Operator at its discretion makes the decision on connection or on denial of the connection of new Recipients. In case of a positive decision of the Operator he sends to the Provider via e-mail a notification containing the Recipients ID in hardware and software complex of the Operator and the rate of remuneration of the Operator for the newly connected the Recipients and/or displays this information in the the Provider's Personal Account. The agreements considered to be amended in part of adding new Recipients from the moment of sending the above notification by the Operator to the Provider or since displaying information about new Recipients in the Personal Account, depending on what comes first. The conclusion of the additional agreement to the Contract between the Parties in this case is not required.
The Operator will charge Provider remuneration for the provision of information technology services when making Money Transfers in favor of newly connected Recipients in the amount specified in the notification of the Operator and/or in the Personal Account, regardless of what rates were indicated in the application of the Provider for connecting new Recipients.

7.5. The Operator has the right to require the Provider to provide Collateral for the fulfillment of obligations, that may arise in the future, to withhold the amounts of Fraudulent and/or Invalid Transactions, as well as fines of the PS. The Collateral to be provided by the Provider is defined by the Operator and cannot exceed Five Million (5,000,000) rubles. The Operator has the right to require the Provider to top up the Collateral in case the amounts of Fraudulent and/or Invalid Transactions and/or fines of the PS are withheld from it.
The obligation of the Provider to provide the Operator with the Collateral arises on the day the Operator sends the corresponding request to the Provider by e-mail or the Merchant Profile and shall be performed in a proper manner within five (5) Business Days from the day it is received. Upon conclusion of the Contract, the Operator shall be entitled to make the rights and obligations under the Contract conditional upon the payment by the Provider of the Collateral amount.
The Operator has the right to terminate the Provider’s obligation to provide the Operator with the Collateral, including with a non-maturing deadline, by offsetting the Provider’s requirement to transfer him the amounts of Money Transfers, by sending the Provider an application by e-mail or the Merchant Profile.
The Collateral shall be returned to the Provider minus all withholdings that the Operator has the right to make, within one hundred eighty (180) days from the date of termination of the Contract.

7.6. The Operator may unilaterally terminate provision of services in respect of any of the Recipients by sending the corresponding notice to the Provider via email. In this case, the Contract shall be deemed amended with regard to exclusion of the persons specified in the notice from the list of the Recipients from the moment the Operator sends such notice; conclusion of an additional agreement to the Contract is not required.

7.7. The Provider shall, based on the data it has about the Payer and the Recipient, and the credit organizations servicing them, to control the legality of the Money Transfer taking into account the applicable laws of the Russian Federation, including those that establish restrictions on cross-border Money Transfers in case of bans imposed by a foreign state, prohibition of the Money Transfers involving persons included in the list of organizations and individuals in respect of whom there is information about their involvement in extremist activities or terrorism, and in case such grounds are found to exist, refuse to proceed with the Money Transfer.

7.8. The provisions of Section 6 of the General Terms and Conditions as well as the provisions of any other Sections and Annexes hereto that govern rights and obligations of the Merchant shall be applicable to the relations of the Operator and the Provider, unless otherwise provided by this Section 7 herein.

8. AGENT. RIGHTS AND RESPONSIBILITIES OF THE PARTIES

8.1. General provisions
8.1.1. The Agent undertakes in its own name and at the expense of the Operator to carry out activities to attract Merchants for the conclusion of Contracts with the Operator for the remuneration.
8.1.2. The Agent can not conclude any deals on the behalf of the Operator.
8.1.3. The services provided by the Agent can include the following:
• Placing of request to connect the YooMoney Service or a link on the Operator’s web page where the connection to the YooMoney Service starts, on the information resources specified in the Contract during the whole term of the Contract;
• Collection and sending to the Operator the duly filled requests to connect the YooMoney Service by potential Merchants or information about them as established by the Operator;
• Placing of request to connect the YooMoney Service or a link on the Operator’s web page where the connection to the YooMoney Service starts, on the information resources specified in the Contract during the whole term of the Contract,
• Collection and sending to the Operator the duly filled requests to connect the YooMoney Service by potential Merchants or information about them as established by the Operator;
• Distribution of promotional codes agreed with the Operator among potential Merchants, which can be used when connecting to the YooMoney Service.
8.1.4. The Merchant is considered to be involved by the Agent in case of conclusion of the Contract between the Operator and the Merchant and in the presence of one of the following conditions:
• information about the Merchant, including the connection request, was sent by the Agent to the Operator;
• the Merchant went to the page of connecting to the YooMoney Service by the link placed on the information resource of the Agent which contains a special mark of the Agent;
• the Merchant when connecting to the YooMoney Service put in the promotional code received from the Agent (subject to prior agreement by the Agent with the Operator of the use of the promotional code).
8.1.5. Connection requests, if the Agent uses this form of collecting and transmitting information about potential Merchants, should be sent by the Agent in real time to the Operator's email merchants@yoomoney.ru with the subject "Request for connecting the store from ____ (_name of the Agent_)".
8.1.6. The Agent is aware and agrees that the conclusion of the Contract between the Operator and the Merchant that was involved by the Agent with any method specified in the subclause 8.1.4. of The General Terms and Conditions, is not the Operator's responsibility.
8.1.7. The Operator undertakes to inform the Agent about the terms and procedure of interaction of the Operator with the Merchants, necessary for Agent’s work on attracting the Merchants.
8.1.8. The Agent's right to receive remuneration arises in the event of Money Transfers under the Contract concluded between the Operator and the Merchant, that was involved by the Agent with any method specified in the subclause 8.1.4 of the General Terms and Conditions.
8.1.9. Notwithstanding the fulfilment of the conditions stipulated in sub-clause 8.1.4 of the General Terms and Conditions, the Merchant shall not be deemed to have been engaged by the Agent and shall not be taken into account in paying remuneration to the Agent in any of the following cases:
• the Operator and the Merchant have previously entered into any of the Contracts specified by the General Terms and Conditions, even if such Contract was terminated at the time the Agent performed the actions of engaging the Merchant;
• the Operator and the Merchant have previously entered into a contract in the manner other than by adherence of the Merchant to the General Terms and Conditions, but the subject matter of such contract was focused on any of the services listed in Clause 1.5 hereof, even if such contract was terminated at the time the Agent performed the actions of engaging the Merchant;
• the Merchant and any person included in the same group of companies with the Operator have previously entered into a contract on the provision of acquiring services, cash and settlement services, information and technological services for transfer operations, any other banking services, even if such contract was terminated at the time the Agent performed the actions of engaging the Merchant.
8.1.10. The non-Resident Agent undertakes to provide the Operator with a letter on the presence or absence of the Agent's representation on the territory of the Russian Federation and a Certificate of Tax Residence.
8.1.11. The Agent is not entitled to perform any actions (including but not limited to making technical adjustments, to pursue information or pricing policy) aimed at the full or partial restriction of the Merchant’s access to the YooMoney Service functions or the creation of competitive advantages for other services, similar to the YooMoney Service.
8.1.12. The Agent’s performance of the activities specified in sub-clause 8.1.1 hereof may be accompanied by the placement by the Agent of materials about the Operator, the YooMoney Service, terms of use of the promotional codes as well as other information and data provided by the Operator to the Agent in order to inform potential Merchants about the Operator and the YooMoney Service. The Operator may request the Agent to post or remove the relevant materials and/or make other requests related to the exercise by the Operator of control over the process of placement of such materials by the Agent.
8.1.13. In addition to the stated in sub-clause 8.1.12 hereof the Agent may post materials about the Operator, including information about the YooMoney Service, that are developed by the Agent subject to prior agreement with the Operator on the content of the respective materials, as well as forms, information resources and other conditions of their placement.
The rights granted to the Operator on the basis of sub-clause 8.1.12 of the General Terms and Conditions may be exercised by the Operator also in case the Agent posts materials about the Operator in accordance with the present sub-clause.
8.1.14. The Materials about the Operator, including information about the YooMoney Service or terms of use of the promotional codes, to be posted by the Agent are subject to the Parties’ evaluation from the perspective of applicable legislation on advertising. The respective evaluation of the materials may be carried out by the Operator and the Agent via email.
In case the materials about the Operator that are to be posted by the Agent under the Contract constitute advertisement in accordance with the provisions of the Federal Law No.38-FZ “On Advertising” dated 13.03.2006, the Agent shall distribute the relevant advertising materials in compliance with the requirements of the applicable legislation of the Russian Federation concerning the advertising, including full fulfilment of the obligations stipulated by the advertising legislation aiming at the traceability of advertising on the Internet, inclusive of obligations related to providing or ensuring provision to the authorized federal executive body responsible for control and supervision in the sphere of mass media, mass communications, information technologies and communications of information on the Agent and advertisement (including information on the Contract concluded by the Parties, materials to be placed by the Agent, and/or other information and data, the provision of which to the specified authorized body is determined by the applicable legislation on advertising, inter alia, for the purpose of obtaining advertisement identifiers in relation to the materials to be placed by the Agent). Information on the Operator as an advertiser of advertising materials placed by the Agent shall also be included in the information provided by the Agent to the authorized body as part of the fulfilment of its duties related to ensuring traceability of advertising on the Internet, if the Operator assigns the Agent the relevant duty, which the Operator may do via email or through the Merchant Profile.
8.1.15. The Agents that are also the Marketplace Moderators shall observe obligations imposed under Clause 5 of Annex No. 4.1 hereto.

8.2. Agent’s Remuneration and Account Settlement
8.2.1. The Operator undertakes to pay the Agent remuneration in the amount agreed by the Parties in the Contract. The remuneration includes VAT at the rate established by law in the event that the Agent is a VAT payer. Non-resident Agent's remuneration includes all taxes and fees specified by the legislation of the country of its location that are calculated and paid by the Non-resident Agent on its own.
8.2.2. The remuneration for the Reporting month is calculated in the Operator's Obligations Currency and is paid by the Operator within five (5) Business Days from the date of receipt of the Agent's Report for the Reporting Period by the Operator in the order established by Clause 8.3.4. of the General Terms and Conditions and signed by the Agent.
8.2.3. If the Currency of Product, in payment of which the Money Transfers are made under the Contract with the Merchant is different from the Currency of the Operator's obligation to pay remuneration to the Agent, the Agent's remuneration is to be paid by the Operator in the Obligation Currency at the exchange rate of the Obligation Currency to the Product Currency established by the Bank of Russia on the day of payment and increased by five percent.
The Merchant's obligation to pay to the Operator the remuneration under the agreement on informational and technological interaction in the process of Money Transfers of individuals is executed in the Currency of the Product.
8.2.4. The Currency of Product and the Obligation Currency are specified in the Contract.
8.2.5. Any costs incurred by the Agent during the performance of its obligations are already accounted for in the amount of the Agent's remuneration and are not subject to additional compensation by the Operator.
8.2.6. The Operator undertakes to transfer the remuneration for the reporting period to the Non-Resident Agent, net of taxes provided for by the legislation of the Russian Federation.
8.2.7. The Agent who has entered into the Contract with the Operator before July 1, 2023, loses the right to receive the remuneration for the engagement of the Merchant after 12 months from the date of the first Money Transfer made in favor of the Merchant engaged by the Agent.
The Agent who has entered into the Contract with the Operator after July 1, 2023 (including the specified date), loses the right to receive the remuneration for the engagement of the Merchant upon expiration of 24 months from the date of the first Money Transfer made in favor of the Merchant engaged by the Agent.
8.2.8. Each Merchant is assigned by the Operator in the SHC, according to the Operator’s internal rules and procedures, a ShopID identifier which has a technical purpose and cannot be challenged by the Merchant or the Agent. One Merchant may be assigned several ShopID identifiers.
When calculating the Agent’s remuneration, the Money Transfers, that are made in favor of the Merchant engaged by the Agent and contain the first ShopID identifier assigned to the Merchant when connecting to the YooMoney Service, and the remuneration received by the Operator for effectuating such Money Transfers shall be taken into account. The Money Transfers containing the second or any subsequent ShopID of the Merchant as well as the Operator’s remuneration related to these Money Transfers shall not be considered while computing the remuneration of the Agent, unless otherwise is set forth by the Contract entered into by and between the Operator and the Agent.
8.2.9. Operator’s monetary obligations shall be deemed fulfilled upon writing-off the amount due from the Operator’s correspondent account.

8.3. Agent Report Approval Order.
8.3.1. Not later than the fifth (5th) day of the month following the Reporting Month, the Operator shall provide the Agent via email with the draft of the Agent's Report for the Reporting Month.
8.3.2. Within five (5) days from the date of Report reception, the Agent is obliged to approve it and send it to the Operator to shoppay@yoomoney.ru or send its objections in the same order. If the objections of the Agent regarding the information contained in the Report are found to be justified, the Parties draw up a data discrepancy act not later than three (3) Business Days from the date of receipt by the Operator of the objection and take into account the amounts contained in it in the Agent's Report for Next reporting month. In the event of Operator’s non-delivery of Agent's objections within the above-mentioned term, the Report shall be deemed to be agreed upon by the Agent.
8.3.3. Within three (3) Business Days from the date of receipt of the agreed Report from the Agent, the Operator signs and sends two copies of the agreed Report in hard copy to the Agent.
8.3.4. Within three (3) Business Days from the receipt of the signed Report from the Operator, the Agent is obliged to send to the Operator one copy of signed Report together with an invoice (in case the Agent is a VAT payer).
8.3.5. If the Parties have electronic key signature verification certificates issued by one or several accredited certification authorities and allowing Parties to conduct electronic interaction, the Parties shall agree on exchanging documents of Agent's Report signed by a qualified electronic signature within the time limits specified in sub-clauses 8.3.1 to 8.3.4 of the General Terms and Conditions. Exchange of Reports in hard copy is not required in this case.

9. ADVERTISER. RIGHTS AND OBLIGATIONS OF THE PARTIES

9.1. The Operator shall render the Advertiser services of placing the following Marketing Materials on the Platforms:
• Consumer Offers;
• Business Offers;
• Product Cards;
• other Marketing Materials, including articles, descriptions of goods, works and services, terms and conditions of advertising campaigns, other content.

9.2. The content and type of Marketing Materials to be placed on the Platforms shall be determined by the Advertiser and communicated to the Operator in the relevant Marketing Materials Applications.
The Operator may unilaterally impose additional requirements for Marketing Materials Applications and the procedure of their submission, which shall be communicated to the Advertiser via e-mail, by posting them on the Operator's Website or by any other means established by the General Terms and Conditions for informational interaction between the Parties.

9.3. The Offer may contain information about goods, works, services intended for both personal and non-entrepreneurial activities use (Consumer Offer) and for use in entrepreneurial activities (Business Offer).
The Parties have agreed that the Offer Application form used for drafting the Offer shall determine the type of the Offer (regardless of its content):
• Consumer Offer Application shall be drafted using the form specified in sub-clause 9.4.4. hereof;
• Business Offer Application shall be drafted using to the form specified in sub-clause 9.5.2. of the General Terms and Conditions.
The Operator shall have the right to require the Advertiser to refer the Offer to a different type than previously determined by the Advertiser in accordance with this clause, as well as to fulfill the obligations, taking into account the specifics established by the General Terms and Conditions for the Offer of this type.

9.4. Features of Interaction Between the Parties When Placing Consumer Offers.
9.4.1. When placing Consumer Offers, the Parties shall agree on one of the following interaction options:
• Offer Program API;
• E-mail.
9.4.2. The way of interaction shall be agreed upon by the Parties via email. In this case, the chosen way of interaction shall apply to all Consumer Offers to be placed under the Contract, unless otherwise is agreed by the Parties. The Operator shall have the right to refuse the use of a certain way of interaction by the Advertiser.
The default way of interaction is via e-mail.
9.4.3. Change of the way of interaction shall be carried out by agreeing upon a new way of interaction in the order established by sub-clause 9.4.2. of these General Terms and Conditions.
9.4.4. The Advertiser shall provide the Operator with ready-to-place Consumer Offers, as well as all information on the terms of their placement necessary for the provision of services (Lead description, the amount of the Operator’s remuneration per the Lead within the advertising campaign, etc.) by sending an Offer Application as follows:
(a) If the Parties use the Offer Program API as a way of interaction, the Offer Application is transmitted via the Offer Program API as per the form defined by that API;
(b) if the Parties use email as a way of interaction, the Offer Application is sent from the email address of the Advertiser to the email address of the Operator specified in Clause 16.6. hereof, as per the form at https://yoomoney.ru/docs/offers/overview/scenario-email.
9.4.5. The Consumer Offer shall be formed according to the information transferred under the Offer Application, by the algorithm given in the description of the Offer Program API.

9.5. Feature of Interaction Between the Parties When Placing Business Offers.
9.5.1. When placing Business Offers, the Parties shall interact via e-mail. The Offer Program API is not applicable in this case.
9.5.2. The Advertiser shall provide the Operator with ready-to-place Business Offers, as well as all information on the terms of their placement necessary for the provision of services (Lead description, the amount of the Operator’s remuneration per the Lead within the advertising campaign, etc.) by sending an Offer Application from the email of the Advertiser to the email of the Operator specified in Clause 16.6. hereof, as per the form posted on the Operator’s Website at https://yoomoney.ru/page?id=529964.
9.5.3. The Business Offer Application is not required to contain a Lead description. The Parties agreed that in the absence of such a description, a Click shall be considered a Lead.
9.5.4. The Business Offer is formed according to the information transferred under the Offer Application, by the algorithm given on the Operator’s Website at https://yoomoney.ru/page?id=529964.

9.6. Features of Interaction Between the Parties When Placing the Product Cards.
9.6.1. When placing the Product Cards, the interaction between the Parties shall be carried out through the Product Data Transfer Protocol.
9.6.2. The Application for the placement of the Product Card shall be sent by the Advertiser to the Operator by means of the Product Data Transfer Protocol as per the form specified by this Protocol;
9.6.3. The Product Card is formed on the basis of the information transmitted as part of the Application, in accordance with the algorithm described in the Product Data Transfer Protocol.
9.6.4. Placement of the Product Cards is available only for the Advertisers that are simultaneously Merchants or Providers on the basis of the Contracts concluded with the Operator and specified in sub-clause 1.5.1 or 1.5.3 of the General Terms and Conditions.

9.7. Features of Interaction Between the Parties When Placing Other Marketing Materials.
9.7.1. When placing other Marketing materials, the interaction of the Parties shall be carried out via e-mail.
9.7.2. Applications for placement of other Marketing Materials shall be made by the Advertiser as per the form posted on the Operator's Website page with the network address https://yoomoney.ru/page?id=529964, and shall be sent to the Operator via email.
9.7.3. If the Operator's remuneration is determined based on the period of the placement of the Marketing materials, the Marketing Materials Application may not contain a description of the Lead.

9.8. Marketing Materials Placing Procedure.
9.8.1. The term of the Marketing Materials placement indicated in the relevant Application is considered to be the limit (maximum) and does not impose the obligation on the Operator to place the Marketing Materials for the entire specified time.
If the Advertiser does not specify the term of the placement, the Marketing Materials may be placed during the whole term of the Contract. The Advertiser shall have the right to withdraw such Marketing Materials through the Offer Program API, Product Data Transfer Protocols or by e-mail (depending on the way of interaction used); and the Parties shall agree on the time for stopping the display of them considering the technological, organizational and financial features of the Operator’s business.
9.8.2 Upon the agreement of the Parties, the Operator shall have the right to place an Offer or a Product Card, the algorithm of formation of which differs from those specified in sub-clauses 9.4.5, 9.5.4 and 9.6.3 hereof, provided that this Offer or Product Card is formed on the basis of the information transmitted under the Application.
9.8.3. If within one Business Day from the date of the placement of Marketing Materials on the Platform or from the date of the dispatch by the Operator to the Advertiser by e-mail a layout of the Marketing Materials (including by the provision of a hyperlink), the Advertiser did not submit comments (objections) with regard to their content, the Advertiser shall be considered to have expressed its consent to the placement of the Marketing Materials in the Operator’s form, even if the content of the posted Marketing Materials (the layouts) is different from that specified in the relevant Application.
9.8.4. The Parties have agreed that the written form of the approval of the conditions for the placement of the Marketing Materials is deemed complied with when the Parties use the ways of interaction specified in sub-clauses 9.4.1, 9.5.1, 9.6.1. or 9.7.1 hereof.
9.8.5. The Marketing Materials to be provided shall comply with all rules and requirements of the applicable laws, as well as with other requirements to be imposed for such materials by the Operator and communicated to the Advertiser.
9.8.6. The Operator may decide to not place/refuse to place/suspend the placement of all or individual Marketing Materials without explanation. The Operator does not undertake to place all the Marketing Materials to be transmitted under the Contract. The exercise of this right by the Operator shall not be considered a violation of the terms of the Contract and/or a basis for compensation of any losses to the Advertiser.
9.8.7. The Operator does not guarantee the uninterrupted operation of the Platforms, the availability of all the functions/methods set forth in the Offer Program API to the Advertiser, and/or the continuous display of the Marketing Materials.
9.8.8. Placement of the Marketing Materials on the Platforms may be accompanied by an appropriate textual disclaimer (at the choice of the Operator) containing information stipulated by Federal Law "On Advertising", Law of the Russian Federation "On Protection of the Consumer Rights", other laws and regulations of the Russian Federation (for example, contain the name, location, mode of operation, registration data, website address of the Advertiser, seller (contractor), information on licenses issued to them), and / or other information, which the Operator thinks should be brought to the User. At the same time, partial overlapping of the Marketing Materials with such text and/or text and graphic element is allowed.
9.8.9. The Operator shall have the right to independently determine the technical parameters for placing the Marketing Materials without major modification of the content of the specified Marketing Materials, including: placement format, the Platforms and their placement within the Platform, display frequency, targeting, use of color effects (for example, fading through black), text abridgment in push notifications and other notifications with characters number limits. At the same time, the Advertiser agrees that, due to discrepancy of the technical parameters, distortions in the display of Marketing Materials on the Platforms are permissible. If such distortions are detected, the Operator shall change the technical parameters of the placement or remove the Marketing Materials from display. The detection of these distortions shall not be considered a violation of the terms of the Contract and/or a basis for the reimbursement of any losses to the Advertiser, as well as the grounds for refusal to pay a remuneration to the Operator.
9.8.10. The Operator shall have the right to position the Marketing Materials placed on the Platforms as a service (part of the service) of the Operator, including branding the places of placement of the Marketing Materials with trademarks and other means of individualization of the Operator and to carry out their information support in communication channels at the choice of the Operator.
9.8.11. The Operator shall have the right to use the trademarks and/or other means of identification of the Advertiser, provide Marketing Materials with explanations, comments, illustrations and/or, without changing the meaning, make the excerpts, reworking, modification, reduction of, and addition to the Marketing materials, use illustrations contained in the Marketing Materials separately from the text, use the Marketing Materials without stating the author.

9.9. In the event the Advertiser provides a third-party’s Marketing Materials to the Operator, it shall be held liable for them as for its own. The corresponding third parties shall not be entitled to exercise the rights and obligations of the Advertiser in accordance with these General Terms and Conditions, and the Operator shall have no obligations to these third parties.

9.10. The Parties to the Contract confirm the following circumstances, agree with them and recognize their essential importance for the conclusion and performance of the Contract: 9.10.1. Nothing in these General Terms and Conditions can be interpreted as the basis for the recognition of the Operator as the entity that determined the object of advertising and/or the content of the Marketing Materials (the advertiser). This entity is the Advertiser. 9.10.2. The Advertiser shall be held independently and fully liable as a person that has brought the information into a ready-made form for the distribution in the form of the Marketing Materials using the ways/methods/possibilities specified herein and shall ensure that all the requirements of the current legislation for the advertisements formed and provided by it for the placement of the Marketing Materials are complied with.
9.10.3. Under no circumstances does the acceptance of the Marketing Materials for the placement by the Operator mean confirmation by the Operator and/or provision by the Operator to the Advertiser of the rights to any use of objects of intellectual property of the third parties in such Marketing Materials. The entire liability for this use shall be borne by the Advertiser.
9.10.4. The Advertiser guarantees that the content and form of the Marketing Materials, their placement by the Operator does not violate and does not entail any violation of any rights of the third parties and the current legislation of the Russian Federation.
9.10.5. The Advertiser guarantees the availability of all applicable consents of the third parties, including the authors of the Marketing Materials, to the placement of the Marketing materials on the Platform and the Operator's ability to place the Marketing Materials in the manner prescribed by the General Terms and Conditions without any additional approvals of the third parties, authors and/or payment of any remuneration/compensation to them.
9.10.6. The trademarks and other means of individualization presented under the Marketing Materials belong to the Advertiser. In the case of providing the means of individualization of the third parties, the Advertiser shall be obliged to have a duly written consent for such placement from the person concerned.
9.10.7. In case a link to the website is included in the Marketing Materials, the Advertiser guarantees the relevance of the transfer page to the topic of the Marketing Materials.
9.10.8. Within the framework of the Contract, the Advertiser agrees not to transfer to the Operator information protected by law. In the event of transfer of such information to the Operator, the Advertiser guarantees compliance with applicable laws and the possibility of using this information by the Operator for reasons that stipulate such transfer on a lawful basis.
9.10.9. The Advertiser undertakes to immediately inform the Operator about the receipt of requests, orders of regulatory and supervisory authorities, appeals (complaints) of users or appeals related to the violation of copyright and other rights of the third parties regarding the Marketing Materials. The Advertiser undertakes to immediately inform the Operator about other information related to the Marketing Materials that has become known to the Advertiser (including from the media, other sources) and which may adversely affect the Operator's business reputation and/or be associated with potential claims, lawsuits, adverse consequences of other kind (in particular, negative publications, etc.) with respect to the Operator.
9.10.10. The Operator is not the owner of the facilitator of information about goods (services), shall not fulfill the obligations and shall not be held liable with respect to these obligations, which are established by the Law of the Russian Federation "On Protection of Consumer Rights" for the owner of the facilitator.
9.10.11. The Operator shall under no circumstances be held liable for the performance of the contract concluded by the consumer with the Advertiser or another seller (contractor) on the basis of the Marketing Materials posted by the Operator, as well as for the observance of consumer rights when concluding, performing and terminating such a contract.
9.10.12. The Operator shall not change the meaning and content of the Marketing Materials, including information about the Product or other object of advertising provided by the Advertiser as part of the Application. No other terms of the General Terms and Conditions may be interpreted as contradicting this sub-clause.
9.10.13. The Operator does not consider on the merits the claims of consumers related to the conclusion, performance or termination of the contract concluded by the consumer with the Advertiser or another seller (contractor) on the basis of the Marketing Materials posted by the Operator.

9.11. In cases the activity being the object of the Marketing Materials is subject to licensing, mandatory certification, or any other mandatory confirmation or authorization, the Advertiser shall be obliged to provide the Operator with copies of the relevant documents simultaneously with the submission of a Marketing Materials Application.

9.12. Before submitting the first Application, the Advertiser shall be obliged to provide the Operator and place on its website on the Internet reliable information about itself: the name of the legal entity or the full name of the sole proprietor, the address of the location, the mode of operation and the state registration number on the incorporation of the legal entity/sole proprietor. If any amendments are made to the specified information, the Advertiser shall be obliged to inform the Operator about such amendments within one Business Day from the date of making the amendments and post them on its website on the Internet.

9.13. In case of placing the Marketing Materials on the Platform belonging to the Operator’s partner, the Operator shall have the right to transfer to such partner any information related to the performance and conclusion of the Contract, including the Marketing Materials Application, the data contained in the daily and monthly reports, information on the Leads made and the amount of the Operator’s remuneration. The transfer of this information does not violate the requirements for its confidentiality.

9.14. Procedure for Reporting.
9.14.1. Reporting when placing Consumer Offers.
The Advertiser undertakes to send the Advertiser’s Report to the Operator on a monthly basis, no later than the 10th day of the month following the Reporting Period. The Operator may object the Advertiser’s Report within three (3) Working Days upon its receipt. The Advertiser’s Reports on Consumer Offers are compiled in the form described in the Offer Program API and shall be agreed by the Parties via email.
The Advertiser that interacts with the Operator by the Offer Program API undertakes to send the Operator the data on the Leads made under Consumer Offers by sending notifications of the Leads in real time using the methods described in the Offer Program API.
To account for the volume of services rendered, including the number of Leads, the Parties shall use the Advertiser's statistics accounting system, the data of which shall be provided to the Operator in an unchanged form. If possible, the Operator shall maintain its own statistics, the data of which will be considered in disputable situations by the Parties as indisputable data to account for the volume of services rendered, including the number of Leads.
9.14.2. Reporting when placing Business Offers and other Marketing Materials (except for the Product Cards).
The Advertiser’s Reports shall be compiled as per the form described on the Operator’s Website at https://yoomoney.ru/page?id=529964 and shall be provided to the Operator by the Advertiser monthly, not later than on the 10th day of the month following the Reporting Period via email. The Operator shall have the right to object to the Advertiser’s Report within three (3) Working Days upon its receipt.
The integrated Report shall be made for Business Offers and other Marketing Materials.
9.14.3. The reporting on placed Product Cards shall not be generated by the Parties.
9.14.4. The reporting of the Advertiser specified in this Clause 9.14. of the General Terms and Conditions shall be complete, reliable, undistorted, contain information about the Leads made, their types, cost, unique identifiers and the amount of the Operator’s remuneration.

9.15. The Operator’s Remuneration for the Provision of Services for the Placement of Offers and other Marketing Materials (Except for the Product Cards).
9.15.1. The Operator's remuneration for the Reporting Period is calculated based on the amount of remuneration for one Lead and the total number of the Leads made in the Reporting Period or on the period of the Marketing Materials placement and includes VAT according to the applicable legislation.
9.15.2. If the Operator’s remuneration depends on the quantity of the Leads, the price for one Lead (the procedure for calculating it) is indicated by the Advertiser in the Marketing Materials Application and can be:
(a) Fixed ("fix" value is transferred in the Marketing Materials Application);
(b) Variable: defined as a percentage of the value of products (works, services) paid by the user as a result of the Lead made ("percent" value is transferred in the Marketing Materials Application);
(c) Determined by the minimum ("campaignFeeMin" parameter) and the maximum ("campaignFeeMax" parameter) remuneration value for one Lead. When using these parameters, the Operator’s remuneration for one Lead mentioned in the Advertiser’s Report cannot be less than the campaignFeeMin parameter and more than the campaignFeeMax parameter. This method of determining the remuneration is available only when the Consumer Offer Application is transferred through the Offer Program API.
9.15.3. The services of the Operator for the Reporting Period shall be paid by the Advertiser on a monthly basis no later than the 28th day of the month following the Reporting Period, by transferring funds in accordance with the bank details of the Operator. The duty of the Advertiser to pay for the services of the Operator shall be deemed fulfilled when the funds are credited to the correspondent account of the Operator.

9.16. The Operator’s Remuneration for the Provision of Services for the Placement of Product Cards
9.16.1. The Operator's remuneration shall comprise One thousand Russian rubles (RUB 1,000) for the Reporting Period (quarter), including for an incomplete quarter in which the Contract with the Advertiser was concluded or terminated, and shall include VAT at the rate established by the applicable legislation.
9.16.2. The Operator's remuneration for the Reporting Period (quarter) shall not be charged if the total amount of the Money Transfers accepted in favor of the Advertiser under the Contract on informational and technological interaction when making money transfers for the corresponding Reporting Period (quarter) amounted to One thousand Russian rubles (RUB 1,000) and more.
The threshold value specified in the first paragraph of this Subclause for an incomplete Reporting Period (quarter), in which the Contract on informational and technological interaction when making money transfers was concluded or terminated, is calculated in proportion to the number of days in such a Reporting Period (quarter).
9.16.3. The services of the Operator for the Reporting Period (quarter) shall be paid by the Advertiser on a monthly basis no later than the 28th day of the month following the Reporting Period, by transferring funds in accordance with the bank details of the Operator. The duty of the Advertiser to pay for the services of the Operator shall be deemed fulfilled when the funds are credited to the correspondent account of the Operator.

9.17. The amount of the Operator’s remuneration is established and settlements under the Contract are made in rubles of the Russian Federation.

9.18. Procedure for Accepting Services Rendered by the Operator
9.18.1. The acceptance of services for the placement of Offers and other Marketing Materials (except for the Product Cards) shall be carried out on the basis of a universal transfer document that is based on the invoice form which the Operator prepares and sends to the Advertiser in two counterparts on the basis of the Advertiser’s Report within ten (10) Business Days from the date of the receipt of the Advertiser’s Report. The Parties acknowledge that a copy of this document sent by the Operator to the Advertiser by e-mail will be applied in the process of the acceptance of services until the originals are received.
If the Operator placed both Consumer Offers and Marketing Materials of any other type (except for the Product Cards) in the Reporting Period, the period specified in the first paragraph of this subclause is calculated from the date of approval of the last of the Advertiser's Reports, and the Operator shall draw up the universal transfer document on the basis of data contained in all the Advertiser's Reports during the Reporting Period.
9.18.2.The acceptance of services for the placement of Product Cards shall be carried out on the basis of a universal transfer document that is based on the invoice form which the Operator prepares and sends to the Advertiser in two counterparts within ten (10) Business Days from the date of the end of the Reporting Period (quarter). The Parties acknowledge that a copy of this document sent by the Operator to the Advertiser by e-mail will be applied in the process of the acceptance of services until the originals are received.
9.18.3. Within five (5) Business Days upon the receipt of the universal transfer document on paper or in an electronic form (depending on the event that occurs earlier), the Advertiser should check the universal transfer document, and if there are objections, provide motivated objections in writing on paper in the same period of time. In the event the Advertiser does not provide the Operator with the objections within the specified period, the services shall be deemed to be rendered properly, and the universal transfer document agreed. The Advertiser shall sign and return the Operator one copy of the agreed universal transfer document on paper within Five (5) Business Days from the moment of its receipt.
9.18.4. The Operator shall be entitled not to provide the Advertiser with a universal transfer document for the Reporting Period, unless the Advertiser has an obligation to pay the remuneration to the Operator for this period.
9.18.5. If the Parties have electronic key signature verification certificates issued by one or several accredited certification authorities and allowing the Parties to conduct electronic interaction, the Parties shall approve the universal transfer documents by exchanging documents signed by a qualified electronic signature within the timeframe set forth in Clause 9.18.3 hereof. The exchange of the universal transfer documents on paper is not required in this situation.

10. VERIFICATION OF SETTLEMENTS IN THE YOOMONEY SERVICE

10.1. Verification of settlements in the YooMoney Service is carried out daily.

10.2. The Operator shall every day send:
10.2.1. to the Payment Agent – the Register of funds notified on acceptance by the Information Exchange Protocol for the Reporting Day – no later than 9:00 am Moscow time of the calendar day following the Reporting Day.
10.2.2. to the Bank – the Register of Money Transfers notified on acceptance by the Information Exchange Protocol for the Reporting Day – until 11 hours 59 minutes and 59 seconds of the Moscow time of the calendar day following the Reporting Day.
10.2.3. To the Sender:
• the Register of Deposits made by the Operator for the Reporting Day – until 11 hours 59 minutes 59 seconds Moscow time in the calendar day following the Reporting Day. Deposit amounts returned to the Sender in accordance with Clause5.2.5. of the General Terms and Conditions on the day of their commission are not included in the Register of Deposits;
• the Register of Deposits returned by the Operator for the Reporting Day in accordance with Clause 5.2.5. of the General Terms and Conditions – until 11 hours 59 minutes and 59 seconds Moscow time of the calendar day following the Reporting Day.
10.2.4. To the Merchant (the Provider):
• the Register of Money Transfers, the Notifications in regard to which were sent by the Operator under the Information Exchange Protocol for the Reporting Day, – until 11 hours 59 minutes and 59 seconds Moscow time of the calendar day following the Reporting Day;
• The Register of Money Transfers returned by the Operator for the Reporting Day – until 11 hours 59 minutes and 59 seconds Moscow time of the calendar day following the Reporting Day.
• The Register of Invalid Transactions to be withheld for the for the Reporting Day – until 23 hours 59 minutes and 59 seconds Moscow time of the calendar day following the Reporting Day.

10.3. The Registers are displayed in the Counterparty’s Merchant Profile or sent to the e-mail specified in the Application, the Contract or Merchant Profile. The Registers are signed by the Operator’s electronic signature in the manner prescribed by the Electronic Document Flow Agreement.

10.4. The Operator shall define the Registers templates and post them under the Information Exchange Protocols or made them available to the Counterparty in any other way, inter alia, through the submission of the first Register under the Contract performance.

10.5. In the event of disagreement with the contents of the Register, the Counterparty informs the Operator of the detected discrepancies no later than 11 hours 59 minutes and 59 seconds Moscow time of the calendar day following the day of receipt from the Operator of the Contested Register. The message is sent by e-mail to the addresses of the Operator

• paymentcenter@yoomoney.ru for Merchants and Providers;

• infobanks@yoomoney.ru for Payment Agents, Banks and Senders.

In the event that the Counterparty fails send its objections and/or the Counterparty send the objections out of time, the information contained in the Register is considered to be confirmed without any observations.

10.6. If the Counterparty discovers any discrepancies in the data contained in the Register and is available to the Counterparty out of term set out in Clause 10.5 herein, the Counterparty has the right to declare its objections. In the event that such objections are justified, Operator shall take them into account in the Register for any of the Reporting days after the Operator receives the Counterparty's objections.

11. USE OF TRADEMARKS AND OTHER MEANS OF INDIVIDUALIZATION. REQUIREMENTS FOR THE COUNTERPARTY’S WEBSITE AND USER’S MONEY TRANSFER INTERFACE

11.1. Operator’s trademarks
The Counterparty has the right to use the Wallet and YooMoney Services’ trademarks and logos in the order established by this section 11 of these General Terms and Conditions:
https://yoomoney.ru/page?id=522991,
https://yookassa.ru/payments/

11.2. The use of the trademarks specified in Clause 11.1 of the General Terms and Conditions is only allowed when executing of the Contract in accordance with the following conditions:
11.2.1. Wallet’s and YooMoney's trademarks shall be placed on the main page of the Counterparty's website or on the page containing the information about payment methods for the Counterparty's services or in payment forms constructor of the Counterparty placed by the Counterparty on third party websites with mandatory onclick redirection to the Operator's Website https://yoomoney.ru.
YooMoney for business Service’s trademarks shall be placed on the main page of the Counterparty's website or on the page containing the information about payment solutions for potential Counterparties with mandatory onclick redirection to the Operator's Website https://yookassa.ru/payments/.
11.2.2. In addition to the trademarks indicated on the pages of its website, the Counterparty has the right to post information about the Operator and its services for Clients and Counterparties, as well as a brief description of the Operator's services and terms of Transfers through the Operator.
Information on the Money Transfers through the Operator should be available to the Payers without registration and until the button "Pay" (or similar in meaning) is pressed.
11.2.3. The trademark and the link to the Operator payment form must be presented on the Counterparty's website or in the payment form constructor in an amount not less than the respective trademarks of third-parties.
11.2.4. Counterparty can not express payment forms on its website of the third party website, affecting the visualization of the Operator's trademark, logos and links to payment forms of other payment solutions through the creation of an unobvious step for the Payer in the selection of the Operator payment form.
11.2.5. The Counterparty has no right to provide any advantages for any other payment solutions in visualizing the payment process.
11.2.6. Placement of the Operator's trademarks by the Counterparty in advertising and informational materials, their mention in the mass media, including information and journalistic publications, as well as placement on any resources on the Internet are possible only after preliminary agreement of the placement, content and form of information with the Operator.

11.3. The Counterparty is obliged to place Operator's trademarks listed in Clause 11.1 hereof in the event of receipt of the relevant Operator requirement on its website.

11.4. The Counterparty shall remove trademarks, as well as any other information about the Operator, not later than one (1) day from the date of receipt of the relevant Operator’s request from its website and other information resources.

11.5. Counterparty’s Trademarks
The Operator has the right to place the trademarks of the Counterparty (third parties), as well as other means of individualization of the Counterparty (third parties) indicated in the Counterparty’s brandbook and/or placed on the Counterparty’s website and/or provided to the Operator by the Counterparty for information, advertising or marketing purposes.
The Counterparty is deemed to have granted the Operator the right to use such trademarks and other means of individualization in the ways and for the purposes specified in Clause 11.7 of the General Terms and Conditions.

11.6. The Counterparty guarantees that the scope of their powers regarding trademarks and other means of individualization specified in Clause 11.5 of the General Terms and Conditions includes the provision of the right to use trademarks and other means of individualization for informational and advertising purposes to third parties. This guarantee has the force of representations and obliges the Counterparty to resolve any claims of the rightholders related to the use of trademarks and other means of individualization specified in Clause 11.5 of the General Terms and Conditions by the Operator, by their own means and at their own expense.

11.7. Information about the Counterparty can be placed:

• on any website of the Operator;

• on the websites of other Counterparties to indicate the possibility of transfers to the Counterparty/from the Counterparty;

• in the mobile applications of the Operator;

• in the mobile applications of other Counterparties to indicate the possibility of transfers to the Counterparty/from the Counterparty;

• in ATMs, devices for accepting cash, other devices to indicate the possibility of transfers to the Counterparty through this device;

• in any advertising, marketing and information materials.

11.8. The Counterparty’s website must comply with the following requirements:
11.8.1. The website should contain the following current information: a description of Counterparty services/catalogue of Products and their price, conditions, procedure, terms, delivery regions for Products(services, works), terms and procedure for the return of Products, refuse Products and Payment Refund, full company name, TIN, legal and actual addresses, telephone number and e-mail of the Counterparty, user agreement that take into consideration requirements of the Clause 14.4 of the General Terms and Conditions (if applicable), client data confidentiality regulations, appeal to the clients on saving copies of the documents that confirm Products payment, appeal to the clients on methods and means of their data protection, links to Products producers websites, terms of warranty provided by the Counterparty;
11.8.2. All pages that related to the implementation of the Products must be under a single domain name. At the same time, if the Counterparty is not an owner of the domain name, it must provide documents confirming the legal grounds for using the website,
11.8.3. The website must be maintained in working state. All internal links of the website must work and be adequately processed,
11.8.4. The website should not contain information (textual, graphic or any other kind), the dissemination of which is contrary to the current legislation or morality standards, as well as links to websites containing such information.
Such information includes, for example: propaganda in any form of violence, drugs, terrorism, ethnic hatred, prostitution, etc.

11.9. The user interfaces displayed on the Counterparty’s website when making a Money Transfer must meet the following requirements:
11.9.1. If the Counterparty is an intermediary offering the Operator’s services to a third party "on a turn-key basis" together with other means of payment through the payment form designer, the Counterparty agrees to agree in writing the logic of the payment form operation on the third-party website and its design with the Operator.
11.9.2. The Counterparty guarantees that the technical solution that contributes to calling the payment form of the Operator, used by the Counterparty on its website or a third-party website through the Counterparty’s payment form designer, works correctly with all popular Internet browsers.
11.9.3. Calling the Operator’s payment form via a link placed on the Counterparty’s website or the form designer on a third-party website should not be blocked by the Internet browser because of incompatibility with the user privacy settings or features of the technical implementation on the Counterparty’s side or on the third-party website using the Counterparty’s form designer.
11.9.4. The Counterparty must preliminarily agree with the Operator the visualization of the process of making a Money Transfer.

11.10. The Counterparty must use the website specified in the Contract, in the Personal Account, or agreed with the Operator entering into the Contract or modifying the Contract.

11.11. The Counterparty may not use technical and other ways and methods which allow to conceal visual changes in the Products or the website, as well as to redirect the Payer to a third-party website or initiate a Money Transfer from a third-party website.

11.12. The Counterparty may not use a website imitating the website of another company, as well as use other ways and methods which deceive the consumer in respect of the Products being purchased, their quality, price and the recipient of the Money Transfer amount.

11.13. The Parties guarantee that they do not violate copyright or other rights of third parties, using the trademarks or other means of individualization transferred by them to each other in accordance with these General Terms and Conditions.

12. ACCEPTANCE OF FUNDS BY THE COUNTERPARTIES

12.1. When making a Money Transfer or accepting cash, Payment Agents and Banks may require only identification data (Client’s number of the electronic means of payment in the YooMoney service, the phone number bound to it, the login or the Money Transfer code) and the amount of the transaction as mandatory information.
Request any additional information by the Payment Agent or the Bank when accepting funds in an amount that does not require the identification of the Payer, as well as other requirements to the Payer (registration, subscription to information services, request of the personal data, etc.) are prohibited without written permission from the Operator.

12.2. If the Payment Agents or the Banks use of ATMs and Online banking when accepting founds or making the Money Transfers, specified entities must ensure compliance with the following requirements for their interfaces:
12.2.1. ATMs and Online banking with graphic elements
The logo provided by the Operator should be the first button that allows to carry out the Money Transfer or accept cash. The button should be located on the main page and in the section "Electronic Money (Commerce, etc.)". Both buttons should lead to one page of balance replenishment of the Customer's electronic funds, which should contain the following prompt: "Enter the account number (or linked phone number) in YooMoney or payment code".
12.2.2. ATMs and Online banking without graphic elements
The link/button "Payments to YooMoney" should be located on the main page. At the same time, the section "Electronic Money (Commerce, etc.)" should also contain a link/button "Replenishment of account in YooMoney". Both buttons should lead to one page of replenishing of Client’s electronic funds, which should contain the following prompt: "Enter the account number (or linked phone number) in YooMoney or the payment code".
12.2.3. Adding Money in Retail Outlets and Cash Registers
The payment mean input field must contain comment: "Enter the account number (or phone number) in YooMoney or the payment code".

12.3. Receipts issued to the Payers at ATMs and cashiers, as well as the success page of the Money Transfer in Online banking, should contain information about the Money transfer Recipient and comply with the requirements established by laws.

13. RESPONSIBILITY OF THE PARTIES AND SETTLEMENT OF DISPUTES

13.1. The Parties are responsible for non-fulfillment or improper fulfillment of their obligations under the Contract in accordance with the legislation.

13.2. For failure to fulfill of any of the obligations provided for in subclause 3.1.4. of the General Terms and Conditions, the Payment Agent shall pay the Operator a fine of five thousand (5,000) rubles for each case.

13.3. If the Payment Agent (subagent) fails to fulfill the obligations on the maximum amount of remuneration to be levied from an individual pursuant to the Contract, the Payment Agent shall pay the Operator a fine of five thousand (5,000) rubles for each case.

13.4. For failure to fulfill the obligation provided for in subclause 3.6.6. of the General Terms and Conditions, the Payment Agent shall pay the Operator a fine in the amount of all cash received by the Payment Agent and the subagents in violation of this point.

13.5. For failure to fulfill the obligation provided for in subclause 3.2.8. of the General Terms and Conditions, the Payment Agent shall pay the Operator a fine of ten thousand (10,000) rubles for each case.

13.6. For failure to fulfill the obligation provided for in subclause 3.3.2. of these General Terms and Conditions, the Payment Agent shall pay the Operator a fine of twenty thousand (20,000) rubles for each case.

13.7. For failure to fulfill the obligation, provided for in the first paragraph of subclause 3.3.6. of the General Terms and Conditions, the Payment Agent shall pay the Operator a fine of fifty thousand (50,000) rubles for each case.
For failure to fulfill the obligation stipulated by the second paragraph of sub-clause 3.3.6. of the General Terms and Conditions, the Payment Agent shall pay to the Operator a fine in the amount equal to the total amount of all transactions performed by the relevant subagent after the expiration of the period for the cancellation of the Payment Agent provided for by the specified paragraph.

13.8. For charging the Payers with a remuneration in an amount exceeding the limit set by the Contract, the Bank shall pay to the Operator a fine of ten thousand (10,000) rubles for each case upon written request the Operator.

13.9. In case Bank violation of the terms of subclauses 4.1.3, 4.1.4 of the General Terms and Conditions, the Bank, upon written request of the Operator, shall pay the latter a fine at a rate of ten thousand (10,000) rubles for each case.

13.10. In case of violation by the Bank of the obligation set forth by subclause 4.1.7. of the General Terms and Conditions, the Bank upon the written request of the Operator shall pay the latter a fine in the amount of ten thousand (10,000) rubles for each Money Transfer made by order of a legal entity or sole proprietor, including using a corporate Card.

13.11. In the event that the Money Transfer notified by the Bank to the Operator was made without the consent of the Payer, occurred as a result of a technical error, intentional or reckless actions of third parties, or other similar actions/events, the Bank's obligation to transfer to the Operator the amount of such Money Transfer remains and must be executed in accordance with these the General Terms and Conditions. The Bank bears the responsibility to the Payer for the Money Transfer made without the consent of the Payer.

13.12. The Operator shall not be responsible for the Merchant’s, Provider’s, Bank’s, or Sender’s, Marketplace Moderator’s performance of their obligations to the Payers or the Clients.

13.13. If the court decision to collect funds on the dispute related to the execution of Order on the Deposit amount transfer from the Operator in favor of an individual comes into legal force, the Sender is obliged (only if the Operator performed actions under the second subparagraph of this paragraph) to compensate the Operator’s loss in full amount collected from the Operator on the basis of the relevant judicial act including the amount of court expenses collected from the Operator within ten (10) Business Days from the date of receiving Operator’s claim with a copy of an enforceable court decision.
If an individual has a claim to the Operator on the grounds specified in the first paragraph of this subclause, the Operator shall notify the Sender about receiving such claim for settlement and declare in the hearing of first instance a petition for attracting the Sender to participate in the relevant proceedings as a third party.

13.14. The Merchant shall independently resolve with the Payers any disputes arising in the event of a discrepancy between the amount paid by the Operator of the Money Transfer to the Merchant's tariffs (price lists).

13.15. If the court decision to collect from the Operator in favor of third party funds on the grounds of unauthorized (related to violation of Clauses 9.10.6,11.6 of the General Terms and Conditions by the Counterparty) usage of this party’s means of identification provided by the Counterparty as such by the Operator comes into legal force, the Counterparty is obliged (only if the Operator performed actions under the second subparagraph of this paragraph) to compensate the Operator’s loss caused by the violation of its obligations under Clauses 9.10.6, 11.6 hereof in full amount collected from the Operator on the basis of the relevant judicial act including the amount of court expenses collected from the Operator within ten (10) Business Days from the date of receiving the Operator’s claim with a copy of an enforceable court decision.
If the third party has a claim to the Operator on the grounds specified in the first paragraph of this subclause, the Operator shall notify the Counterparty about accepting such claim for settlement and declare in the hearing of first instance a petition for attracting Counterparty to participate in the relevant proceedings as a third party.

13.16. In the event of disputes between the Operator and the Merchant, the Provider, the Sender, the Marketplace Moderator on the receipt by one of the Parties of any document/notification placed in the Merchant Profile, on the fact of making changes to it, on the access and use of the Merchant Profile in violation of the Contract, the claimant shall prove its position.

13.17. In the event of an occurrence of disputes between the Operator and the Merchant, the Provider or the Sender, the Marketplace Moderator about the legality of the Merchant Profile access provided by the Operator, the Operator uses the software used to generate and verify the authorization data of the Merchant, the Provider, the Sender, the Marketplace Moderator and make its decision. The Counterparty has the right to challenge this decision in court.

13.18. In the event of recovery of penalties from the Operator by a third party (including the Issuer, PS, a credit institution serving the Payer) or application to the Operator of any liability measures by such third party due to the selling of the Products by the Merchant in violation of the requirements of the legislation of the Russian Federation, PS rules, including the rules of the fast payment service of the Bank of Russia payment system, generally accepted morality standards, and also due to the selling of the Products, about which the Merchant has not notified the Operator in the manner prescribed in subclause 6.1.6. of the General Terms and Conditions, the Merchant shall reimburse the Operator for any losses incurred in this regard, including trial and pre-trial expenses, the penalty paid by the Operator, any expenses incurred by the Operator due to the application of liability measures to it.

13.19. The Merchant undertakes to pay to the Operator a fine if the Products in payment of which the Money Transfers are made, or a website in which the Products are sold, are differ from the ones agreed with the Operator and specified in the Contract or in the Merchant Profile, including the case of the Provider’s use of techniques to conceal a change in the appearance of the Products or website. The amount of the fine shall be determined as the amount of penalty that may be levied in accordance with the PS’ rules from the Operator as a participant of the PS for incorrect assignment to the Merchant of the Merchant Category Code (MCC).

13.20. The Provider undertakes to pay to the Operator a fine if the Products in payment of which the Money Transfers are made, or a website in which the Products are sold, are differ from the ones agreed with the Operator and specified in the Contract, in the Merchant Profile, or in the Money Transfer Recipients connection request specified in Clause 7.4 hereof, including the case of the Provider’s or the Money Transfer Recipient’s use of techniques allowing to conceal a change in the appearance of the Products or website. The amount of the fine shall be determined as the amount of penalty that may be levied in accordance with the PS’ rules from the Operator as a participant of the PS for incorrect assignment to the Merchant of the Merchant Category Code (MCC).

13.21. The Agent undertakes to pay the Operator a penalty for violating the obligation specified in subclause 8.1.11 of the General Terms and Conditions, in the amount of one thousand (1,000) rubles for each day from the time of detection until the complete elimination of the violation.

13.22. If the Agent’s breach of the provisions of sub-clauses 8.1.12-8.1.14 of the General Terms and Conditions, including the Agent’s failure to agree with the Operator on the evaluation of the materials being placed by the Agent from the standpoint of advertising legislation (regardless of the fact of the Agent’s observance of the provisions specified in the second paragraph of sub-clause 8.1.14), has been the basis for claims, lawsuits, injunctions of state authorities brought against or imposed on the Operator or bringing the Operator to administrative liability, inter alia, for the failure of the Operator as an advertiser to fulfil its obligation to transmit certain information and data to the authorized body indicated in sub-clause 8.1.14 hereof, the Agent shall immediately, upon the Operator’s request, provide it with all requested information regarding, inter alia, the materials posted by the Agent, assist the Operator in settling such claims, lawsuits, injunctions, as well as reimburse all losses (including court and pre-trial expenses, expenses on payment of fines) caused to the Operator as a result of such claims, lawsuits, injunctions or bringing the Operator to the administrative liability.

13.23. For the delay in the performance of its monetary obligations, the Counterparty pays a penalty to the Operator in the amount of zero point three percent (0.3%) of the unpaid amount for each day of delay.

13.24. In the event that the Marketing Materials Placement under the Contract concluded with the Advertiser was the basis for presenting claims, actions, orders to the Operator from third parties, including government authorities and Marketing Materials authors, or bringing the Operator to administrative responsibility, the Advertiser undertakes to immediately provide the Operator with all requested information regarding the placement and content of Marketing Materials, to assist the Operator in the settlement of such claims, actions, orders, as well as reimburse all losses (including trial and pre-trial expenses, costs of fines) caused to the Operator as a result of presenting such claims, actions, orders or bringing it to administrative responsibility.

13.25. In the event that the tax authority issues a decision on additional taxation to the Operator and/or bringing the Operator to responsibility for committing a tax offense due to the provision of unreliable reporting under the Contract by the Advertiser, the Advertiser is obliged to pay the Operator a fine of fifty thousand (50,000) rubles for each case and compensate the Operator for damages, uncovered by a fine, including taxes additional to the tax authorities, penalties, fines, expenses of the Operator for payment of representative services (if the decision of the tax authority was appealed by the Operator).

13.26. Marketplace Moderator is obliged to pay the Operator a fine of fifty thousand (50,000) rubles for each case of violation of any guarantee or obligation covered by Clause 5.10 of Annex No. 4.1 to the General Terms and Conditions.

13.27. In the event that the illegal actions of the Counterparty served as the basis for the presentation of claims, lawsuits, orders, imposition of penalties on the Operator or application of any liability measures to it from third parties (including Issuers, PS, credit institutions serving the Payers, state authorities), or bringing the Operator to administrative responsibility, the Counterparty undertakes to immediately provide the Operator with all requested information, assist the Operator in settlement of such claims, lawsuits, orders, as well as reimburse all losses incurred by the Operator, including trial and pre-trial expenses, the amount of money paid by the Operator under the court decision, fines imposed by the state authorities, any expenses sustained by the Operator due to the liability measures applied to it.

13.28. The Counterparty undertakes to reimburse in full the losses of the Operator, including but not limited to fines and other sanctions of the supervisory authorities, compensation paid to a Data subject, both judicially and extrajudicially, arising from any claims or actions of third parties, to the extent that they are based on a breach of the Counterparty’s obligations under Section 14 of the present General Terms and Conditions.

13.29. The Operator’s cumulative liability arising out of any lawsuits or claims of the Counterparty or of the third parties, to the extent that they are based on the Operator’s breach of obligations established under the Data processing laws or its agreement with the Counterparty regarding the Data processing (if such an agreement is concluded), is limited and cannot exceed ten thousand (10,000) rubles.

13.30. The duty to pay a penalty provided for in this Section 13 of these General Terms and Conditions arises at the Counterparty in the event that he receives the relevant Operator claim. The Counterparty undertakes to pay the amount specified in the demand within five (5) Business Days from the date of its receipt.
In the event of non-fulfillment of the obligation to pay the penalty in the first paragraph of this paragraph by the Counterparty, the Operator has the right to use a part of the Collateral equal to the sum of the unpaid penalty for its benefit.
The Operator may, at its discretion, reduce the penalty provided for in this Section 13 of the Terms and Conditions. In this case, the amount of the penalty payable by the Counterparty shall be specified in the demand for payment of the penalty sent by the Operator to the Counterparty.

13.31. The Operator’s liability to the Counterparty shall be limited to documented actual damages incurred by the Counterparty as a result of wrongful acts or an act of omission of the Operator acting intentionally or with gross negligence. The Operator shall not be liable to the Counterparty for causing it indirect, incidental or consequential damages, or for lost profits.

13.32. In accordance with Article 37 of the Arbitrazh Procedure Code of the Russian Federation and Article 32 of the Civil Procedure Code of the Russian Federation, the Parties have agreed on the contractual jurisdiction and established that any disputes and disagreements of the Parties arising out of or in connection with the Contract shall be resolved by applying the substantive and procedural law of the Russian Federation:
• in the Arbitration Court of St. Petersburg and the Leningrad Region or in the Moscow Arbitration Court at the claimant’s choice – if the matter is subject to the jurisdiction of an arbitration Court;
• in the Zamoskvoretskiy District Court of the city of Moscow or by a justice of the peace of the judicial district at the location of the Operator depending on the jurisdiction of the matter – if the matter is subject to the jurisdiction of a court of general jurisdiction.

13.33. The Parties are relieved any responsibility of a partial or complete nonperformance of obligations under the Contract, if such nonperformance was caused by force majeure circumstances. As force majeure circumstances are understood: war (including declaration of war) or military operations, civil unrest, national health emergency (epidemic), blockade, embargo, fire, earthquake, flooding and other natural phenomena.
If circumstances specified in the subclause above will come into effect the Party that fails its obligations or would be unable to meet its obligations, shall notify other Party within three (3) calendar days on it in written form. In this case, the Party shall have the right to suspend the fulfillment of the obligations under the Contract.
If the Party which was exposed by force majeure circumstances, will not send within three (3) calendar days a notification specified in the subclause above, this Party will lose the right to refer to such circumstances as on the base to release it from responsibility for a nonperformance or improper performance of obligations under the Contract.
Given these circumstances, any of the Parties has the right to unilaterally refuse to perform the Contract in accordance with Clause 15.2 of the General Terms and Conditions.

14. PRIVACY AND DATA PROCESSING

14.1. The fact of conclusion of the Contract is not considered by the Parties as confidential information.

14.2. The Parties undertake not to disclose the information:

• on the terms of the Contract,

• on the number and amount of Money Transfers, Deposits or accepted cash funds under the Contract,

• on statistical data based on the comparison of the amounts of Money Transfers, Deposit or accepted cash funds under the Contract and similar data of other the Operators for the transfer;

• other information received by the Parties during the performance of their obligations under the Contract, except for cases when the Party must provide such information in accordance with the legislation of the Russian Federation or the legislation of the country of its location as well as when it is strictly necessary and to the extent required to the Operator for the performance of the Contract. For instance, in order to carry out settlements for transactions made using the Cards in favor of the Counterparty, in that case the Data may be transferred to the PS, Acquirers, Issuers.

14.3. In respect of the Data, the Operator and the Counterparty are recognized as independent operators in the meaning of Federal Law No. 152-FZ “On Personal Data” dated July 27, 2006.

14.4. When processing the Data, the Operator and the Counterparty are required under the applicable law to take all necessary legal, organizational and technical measures or to ensure such measures to be taken to protect the Data from unauthorized or accidental access to it, its destruction, modification, blocking, copying, provision, distribution and other unlawful actions in respect of the Data.
The Counterparty shall independently determine the legislation applicable to the relations associated with the Data processing and the list of requirements to be observed by the Counterparty and/or persons engaged by it for the Data processing purposes. The Operator shall not be held liable for the accuracy of the determination of the applicable law by the Counterparty and for the compliance with the requirements of the Data processing by the Counterparty and/or third parties engaged by it.

14.5. Notwithstanding the provisions set forth in Clause 14.4. hereof, in case the fulfillment of the Contract involves the transference of the Data of the Payer, Client or any other individual to the Operator (and the Payment Aggregator, if the Contract is entered into with its participation), the Counterparty shall ensure and guarantee to the Operator the following:
14.5.1. The lawfulness of such a transference in accordance with the requirements of the applicable legislation that may be presented in the form of the obtaining of the Data subject’s consent to the transfer, in terms of the need to transfer the Data for the fulfilment of the contract to which the Data subject is a party or beneficiary, etc.;
14.5.2. The notifying the Data subject of the transference of their Data to the Operator and Payment Aggregator;
14.5.3. The performing actions (transactions) with the Data only in the ways that are provided for by the applicable legislation and only to the extent required for the relevant Data processing purpose;
14.5.4. The notification of the Operator about the Data subject’s withdrawal of their consent to the Data processing;
14.5.5. The presentation of the following information to the Data subject located in the European Union:
• Identification information and contact details of the Counterparty and, if relevant, its representative;
• Contact details of the data protection officer – in cases and under the procedure set forth in the applicable legislation;
• Information on the purposes of the Data processing and applicable legal basis thereof;
• Information on the categories of the relevant Data;
• Information on Data receivers and categories of the Data receivers;
• Subject to the applicable legislation, information on the Counterparty’s intention to transfer the Data to a receiver in the third country or to an international entity, and the basis for such a transfer;
• Other information the list of which is provided for by the law to be applicable to the Data processing.

14.6. In the event the Counterparty processes the Data received from the Operator, in respect of these Data processing the Counterparty additionally undertakes to ensure:
14.6.1. That the proper technical and organizational measures are taken to satisfy the obligations provided for by the applicable legislation;
14.6.2. That such Data are immediately corrected, modified or deleted if requested to do so by the Operator;
14.6.3. That the Operator is assisted in assessing the impact on the Data protection before such Data are accessed, if applicable;
14.6.4. That the Operator is immediately notified in writing, if the Counterparty identifies the risk of the breach of the duly Data protection under the legal requirements to be applied to the Data processing, after which the Counterparty shall terminate the access to the Data or take other reasonable measures to restore the level of protection;
14.6.5. That the Operator is immediately notified of the requirements of the Data subjects related to implementation of their legal rights in respect of the Data processing. The Counterparty is not entitled to respond to such requirements without preliminary written consent of the Operator;
14.6.6. That the term for processing of the Data transferred from the European Union is restricted to two weeks.

14.7. No later than three (3) Business Days from the date of the Operator’s request, the Counterparty undertakes to provide the documents evidencing duly performance of the obligations on the Data processing as set forth in this Section 14 of the General Terms and Conditions.

14.8. The Counterparty undertakes to ensure the Operator’s duly awareness of the provision of the Data of the Payers and/or Clients to the latter. The list of the relevant Data is defined by the settings of the Information Exchange Protocol.

14.9. If the Data subject notifies on withdrawal of their consent to processing the Data provided to the Operator, the Counterparty undertakes to inform the Operator of it within one (1) Business Day and to make known the provisions provided in Clauses 14.10., 14.12. of the General Terms and Conditions to the Data subject. In this respect, the Operator does not additionally inform the Data subject about the grounds that allow it to continue the Data processing.

14.10. The Operator does not store the Data obtained from the Counterparty which, in its turn, had received these Data from the European Union, for more than two (2) weeks, unless otherwise is established by the Operator or required by the mandatory provisions of the Russian legislation (in which case the Data are to be kept solely within the period and for the purposes provided for by the Operator or relevant legal requirements).

14.11. The Counterparty is solely liable for the assessment of the possibility of the lawful processing of the Data and for the protection of the Data subject’s rights during the performance of the Contract.

14.12. The Counterparty acknowledges that the Operator may disclose any Data to government bodies (including court and law enforcement officials) when they control, supervise or audit the Operator’s activities without any notice to the Counterparty on such disclosure.

15. VALIDITY TERM, AMENDMENTS AND TERMINATION OF THE CONTRACT

15.1. The Сontract is concluded for an indefinite period.

15.2. Any of the Parties has the right to unilaterally withdraw from further performance of the Contract. For this purpose, it shall notify the other Party in writing of its intention not later than thirty (30) calendar days before the proposed date of termination.
In case of breach of the terms and conditions of the Contract/Application or the General Terms and Conditions by the Party, the other Party may unilaterally refuse to further execute the Contract by sending a written notice thereof to the breaching Party on or before the date of termination of the Contract.
In case of suspension of the operation of the SHC on the grounds set forth in subclauses 2.11.5 – 2.11.13 of the General Terms and Conditions, the Operator shall have the right to unilaterally terminate the Contract by notifying the Counterparty of it in writing no later than the date of such termination hereof.
In certain cases, the General Terms and Conditions or legislation of the Russian Federation may provide for other procedure and time limits for refusal to execute or termination of the Contract. In such cases, the Contract shall be terminated according to the procedure and within the time limits established by the special provisions of the General Terms and Conditions or applicable statutory regulations.
For the Contracts concluded in accordance with Clause 2.1. of the General Terms and Conditions by Method 3, the written form is also considered proper if the notification is sent to/from the Merchant Profile or to/from any of the email addresses of the Parties.
15.2.1. If the Contract was concluded with the participation of the Payment Aggregator as a third Party, when the Counterparty exercises the right to unilaterally withdraw from the performance of the Contract under Clause 15.2 of the General Terms and Conditions, the Counterparty is not obliged to send the Payment Aggregator a separate notice of such unilateral withdrawal. The notice of the termination of the Contract concluded with the Counterparty shall be sent to the Payment Aggregator by the Operator immediately upon its receipt of the relevant information.

15.3. Obligations of the Parties under the Contract that arose prior to its termination stay in force until their full execution. From the moment the notification is sent in accordance with Clause 15.2. The Operator has the right to suspend the execution of the Contract in accordance with Clause 2.11. of the General Terms and Conditions.

15.4. If the Payment Agent fails to comply with the requirements of Article 14 of Federal Law "On the National Payment System", and other terms of attracting the Payment Agent under the Contract, as well as legislation requirements on counteraction to legalization (laundering) of income obtained by criminal means and terrorism financing, the Operator has the right to withdraw from the execution of the Contract with Payment Agent unilaterally. In cases provided for in this paragraph, the Contract is terminated from the day following the day when Payment Agent receives written notice from the Operator.

15.5. The Operator has the right to unilaterally amend any conditions of the General Terms and Conditions and Contract concluded with the Counterparty, as well as to change the amount of the Counterparty’s, the Operator’s and/or the Payment Aggregator’s remuneration, the Information Exchange Protocol and other conditions.
Changes in the text of these General Terms and Conditions and the Information Exchange protocol shall enter into force and become binding for the Parties from the moment of their posting on the Operator's Website and do not require the Operator to send notifications to the Counterparty.
The Contract shall be deemed amended from the moment the Operator sends a notification to the Counterparty by any of the methods provided for in these General Terms and Conditions, including through the Merchant Profile.
Conclusion of an additional agreement to the Contract between the Parties when terms and conditions of the Contract are changed in accordance with this Clause 15.5 is not required.

15.6. If the terms of the Contract and/or General Terms and Conditions are changed in the manner prescribed in Clause 15.5. of the General Terms and Conditions, the Counterparty has the right to withdraw from execution of the Contract by sending to the Operator a notice within three (3) Business Days from the change of the Contract and/or General Terms and Conditions. The Contract shall be deemed terminated from the moment the Operator receives a notification from the Counterparty.
If the Contract was concluded with the participation of the Payment Aggregator as a third Party, in case of withdrawal from the performance of the Contract in accordance with the provisions of this Clause, the Counterparty is not obliged to send a notice to the Payment Aggregator. The Operator, immediately upon its receipt of the relevant information, shall send the Payment Aggregator a notice of termination of the Contract with the Counterparty.

15.7. In case the Contract has been concluded with participation of the Payment Aggregator as a third Party thereto, the Operator and the Counterparty may amend the Contract in respect of the legal relations arising between them and not affecting rights and obligations of the Payment Aggregator without involvement of the Payment Aggregator in the process of agreeing and formalizing the said amendments to the Contract.

15.8. The Parties have the right to include into the Contract or Application the terms that differ from these General Terms and Conditions. In case of contradiction of the General Terms and Conditions to the terms of the Contract (the Application) the Parties apply the Contract (the Application).

16. OTHER CONDITIONS

16.1. All listed annexes to these General Terms and Conditions are posted on the Operator’s Website and are integral part of the Contract:
Annex No. 1. Electronic Document Flow Agreement
Annex No. 2 The form of the list of locations of transactions
Annex No. 3 The list of the Counterparty’s documents
Annex No. 4 The table of payment methods
Annex No. 4.1 Additional functionality of the YooMoney Service
Annex No. 5 The Form of Contract on engaging the Payment Agent
Annex No. 6.1 The Form of Contract with Resident Bank
Annex No. 6.2 The Form of Contract with Non-Resident Bank
Annex No. 7.1 The Form of Contract with Resident Sender
Annex No. 7.2 The Form of Contract with Non-Resident Sender
Annex No. 7.3 The Form of the Application for Resident Senders
Annex No. 7.4 The Form of the Application for Non-Resident Senders
Annex No. 8.1 The Form of Contract for Resident Merchants
Annex No. 8.2 The Form of Contract for Non-Resident Merchants
Annex No. 8.3 The Form of the Application for Resident Merchants
Annex No. 8.4 The Form of the Application for Non-Resident Merchants
Annex No. 9.1 The Form of Contract for Resident Providers
Annex No. 9.2 Form of Contract for Non-Resident Providers
Annex No. 10.1 The Form of Contract for Resident Agents
Annex No. 10.2 The Form of Contract with Non-Resident Agents
Annex No. 11.1 The Form of the Contract for Resident Advertisers
Annex No. 11.2 The Form of the Contract for Non-Resident Advertisers
Annex No. 11.3 The Application Form for Resident Advertisers
Annex No. 11.4 The Application Form for Non-Resident Advertisers

16.2. Neither Party may assign its rights and obligations hereunder to any third party without the written consent of the other Party, except in the case of the assignment of the Operator’s right of claim against the Counterparty which arises out of the Contract and may be assigned without the Counterparty’s consent to any assignee and under any conditions.

16.3. In the event of a discrepancy between the text of these General Terms and Conditions or the Contract in Russian and the English text, priority is given to the Russian text.

16.4. The email addresses of the Parties specified in the General Terms and Conditions, Application, Contract or the Merchant Profile will be used for the informational interaction of the Parties in the execution of the Contract.
All electronic messages sent from the Counterparty’s email addresses indicated in the Contract, Application or the Merchant Profile are considered originating from the authorized person of the Counterparty.
The Operator may send messages to any of the Counterparty’s email addresses specified in the Contract, Application or the Merchant Profile (regardless of the stated purpose of using the email address), and it is acknowledged as proper notice to the Counterparty of legally significant actions and events, unless the obligation to notify the other Party in writing on Paper is expressly provided for in these General Terms and Conditions. In cases where these General Terms and Conditions provide for the right of the Counterparty to use electronic communication for informational interaction, the Operator shall acknowledge as a proper notice the sending by the Counterparty of an electronic message from the email addresses specified in the Contract, Application or the Merchant Profile.
An electronic message sent by a Party on a weekend or a non-working public holiday established by the legislation of the Russian Federation shall be deemed received by the other Party on the first Working Day following the day of sending the message, except for the cases when in accordance with the local acts of the receiving Party weekends and/or non-working public holidays are business days for divisions ensuring the fulfilment of the Contract. In such cases the message shall be deemed received on the first business day for the receiving Party following the day of sending the message.

16.5. The Counterparty is obliged to notify the Operator in a three-day period of any events that may affect the execution of the Contract, including changes in its name, location, actual address, bank details, address of the website, contact information, E-mail addresses for informational interaction in accordance with Clause 16.4. of the General Terms and Conditions.
The Merchant having the Merchant Profile has the right to change the e-mail addresses used for informational interaction by posting relevant information in the Merchant Profile.

16.6. Contact information of the Operator:

The Parties also recognize legally significant communications from the Operator with any e-mail address with a user account in the domain "@yoomoney.ru" or "@yookassa.ru".

The e-mail addresses listed in the table of destination e-mail addresses are approximate. The operator has the right to use any of the above e-mail addresses for mailings with a purpose other than that specified in the table for this e-mail address.

16.7. If the Counterparty fails to fulfill any monetary obligations to the Operator (including recourse claims) within the term established by these General Terms and Conditions or specified in requirements of the Operator (hereinafter referred to as Debt), the Parties agree to terminate the obligation to pay the Debt in a manner in which the obligations of the Parties are terminated:

• for the Counterparty - in respect of the repayment of Debts;

• for the Operator - in respect of the performance of monetary obligations to the Counterparty for any contracts concluded by the parties for the amount of the Debts of the Counterparty repaid.

The Operator notifies the Counterparty of the application of this rule via e-mail or in other ways accessible to the Operator.
The obligations shall be terminated in accordance with the procedure established by this paragraph 16.7 on the day on which the Operator sends to the Counterparty a statement of settlement in electronic form or on paper.

16.8. The Operator has the right to send messages about the work of the YooMoney Service and its partners to the Counterparty (news digests, invitations to seminars, conferences and other events, advertising messages, etc.), using for the communication any contact details of the Counterparty provided at the conclusion of the Contract or during its term, as well as via the Merchant Profile and messengers.

16.9. The terms of these General Terms and Conditions governing relations between the Operator and the Merchant are applied to the relations of the Operator and the Counterparty who have concluded an agreement on informational and technological interaction for transfers of individuals without opening an account by accepting by the Operator the offer of the Counterparty in the form of an application before the date of publication of these General Terms and Conditions on the Operator's Website.

16.10. The terms of these General Terms and Conditions governing relations between the Operator and the Merchant are applied to the relations of the Operator and the Counterparty who have concluded an agreement on informational and technological interaction for transfers of individuals by accepting by the Operator the offer of the Counterparty in the form of an application before the date of publication of these General Terms and Conditions on the Operator's Website.

16.11. The terms of these General Terms and Conditions governing relations between the Operator and the Advertiser are applied to the relations of the Operator and the Advertiser who have concluded the Contract for Provision of Paid Services in accordance with the General Terms and Conditions of the advertising platform posted at https://yoomoney.ru/offers-terms.

17. ANTI-CORRUPTION CLAUSE

17.1. When concluding, executing, amending and terminating the Contract, the Parties shall assume the following obligations:
17.1.1. The Parties, their employees, authorized representatives and intermediaries under the Contract shall not offer, promise, require, allow provision of or provide any money, securities, other property or property services, nor perform work or provide property rights, directly or indirectly, personally or through intermediaries, to any persons in order to influence the actions (inaction) and/or decisions of such persons and/or of other persons for the purpose of obtaining benefits (advantages) or achieving other goals.
17.1.2. The Parties, their employees, authorized representatives and intermediaries under the Contract shall not carry out actions (inaction) qualified by the applicable laws as giving/receiving a bribe, commercial bribery, mediation in bribery/commercial bribery, abuse of authority, illegal remuneration on behalf of a legal entity, as well as other actions (inaction) that violate the requirements of the applicable laws and applicable international anti-corruption law.
17.1.3. The Parties shall notify each other of any circumstances that have become known to them which are or may be the basis for a conflict of interest; refrain from committing actions (inaction) that entail the occurrence or create a threat of a conflict of interest; render other assistance to each other in order to identify, prevent and avoid corruption offenses and conflicts of interest within and in connection with the relations of the Parties under the Contract.

17.2. The provisions of Clause 17.1 of the General Terms and Conditions apply to relations that arose before the conclusion of the Contract but are related to its conclusion.

17.3. In the event that a Party becomes aware of an actual or possible violation of any provisions of Clause 17.1 of the General Terms and Conditions by the other Party, its employees, representatives or intermediaries under the Contract (hereinafter referred to as “Anti-Corruption Violations”), such Party undertakes to immediately notify the other Party thereof in writing. That notification shall contain details of the Contract, along with a description of the actual circumstances associated with the Anti-Corruption Violation that is the basis for the notification. The notification shall be accompanied by supporting documents and/or materials.
The Party that receives the notification shall ensure itsthe confidential consideration thereof, and shall also send a justified response to the other Party within thirty (30) calendar days from the date of receipt thereof. If the Party that received the notification does not agree with the circumstances presented in the notification related to the Anti-Corruption Violation that is the basis for the notification and/or supporting documents and/or materials, it shall raise such objections to the information sent about the Anti-Corruption Violation in its response.

17.4. In cases where the Party receives a response from the other Party confirming the Anti-Corruption Violation, or there is no objection in the response received by the Party from the other Party regarding the information sent about the Anti-Corruption Violation, the Party has the right to terminate the Contract unilaterally out of court by sending a written notice of termination.
The Contract shall be considered terminated upon expiration of ten (10) calendar days from the date of receipt of the corresponding written notice of termination of the Contract by the other Party. The Party on whose initiative the Contract was terminated in accordance with the provisions of this Clause , has the right to demand compensation for any actual damage resulting from such termination of the Contract.

17.5. The Operator’s dedicated communication channel for reporting corruption: stop_corruption@yoomoney.ru

Date of publication: July 7, 2025

Effective date: July 7, 2025