Memo on using YooMoney

Please read this memo, documents, and information referenced in it before you create a wallet and start using it.

1. About the "YooMoney" service

The "YooMoney" service is a Russian payment service, which provides services for transferring money, including e-money. The Operator of the service is the "YooMoney", NBCO LLC non-bank credit organization (hereinafter referred to as the NBCO), which was established in accordance with the Russian law and which operates on the basis of the License of the Bank of Russia No. 3510-K and is registered in the List of e-money operators: https://cbr.ru/registries/nps/oper_zip

The service's website: https://yoomoney.ru, https://sobe.ru

The terms of use are provided in the Agreement on making money transfers without creating a bank account using the "YooMoney" service (hereinafter referred to as the Agreement).

By creating a wallet, users give their consent for processing their personal information according to the terms described in Privacy policy.

Other legal documents for clients can be found here: https://yoomoney.ru/legal

Contact information of the service: https://yoomoney.ru/contacts

24/7 Support Service: +7 495 197-86-86; https://yoomoney.ru/help

2. What is a wallet and e-money

E-money is a payment tool which allows making cashless payments without opening a bank account. Money provided by users of the "YooMoney" service is counted as e-money available for use via electronic means of payment. The wallet is one of those electronic means of payment available at https://yoomoney.ru or in the YooMoney mobile app. Besides the wallet, YooMoney cards (bank cards issued by the NBCO in accordance with the rules of the payment system) can also be used for making transactions with e-money. Learn more about types of cards and their terms of use in the Terms and conditions of issuing and servicing YooMoney bank cards.

3. Who can be a wallet user

An individual aged 14 or older can be a user of the wallet. Remember that the wallet can't be used for entrepreneurial activity unless the user is under the special tax regime: "Self-employment tax".

4. User status

Depending on whether a user has completed simplified identification, full identification, or none of these, they are assigned one of three statuses: anonymous, reviewed, or identified. The status determines amount and size of transactions available to the user.

Anonymous status is assigned immediately after registration. It gives the minimum of capabilities and requires the user to confirm only a phone number and sometimes an email address.

Reviewed status (with simplified identification) gives basic capabilities. It requires an internal Russian passport: you need to fill out the online form in the wallet interface and enter your full name, passport details, phone number, and INN (TIN). We'll verify the data in a few hours.

Identified status is the maximum of capabilities at YooMoney. It's suitable for citizens of Russia and other countries, you need to confirm your identity: through our partners, at our office, or online.

You can find a full list of offices and identification methods on the NBCO's website

Users have the right not to be identified. However, the NBCO is entitled to require the user to be identified if we suspect that the wallet violates the rules established by the Agreement or if it's required by the law on prevention of legalization (laundering) of the income received through crime and financing of terrorism.

5. About transactions and their terms

You can add money to the wallet both via NBCO's partners and bank transfers using NBCO's banking details.

The list of deposit methods, including the list of the NBCO's bank payment agents, can be found here: https://yoomoney.ru/page?id=535495

When money is added via an active NBCO's partner, the amount is credited in real time.

Crediting transferred funds shall be completed not later than the next business day following the day when the funds were credited to the NBCO's correspondent account.

In case of payments to stores which are also NBCO's partners, transfers to wallets of other users of the NBCO as well as via FPS are credited in real time unless otherwise provided by partner's contract with the client.

In case of payments via bank cards, the payment process is regulated by the payment system, normally in real time.

In case of payments by banking details of client's choice, money is transferred from NBCO's correspondent account no later than the following business day after the order is received from the client.

Foreign currency is sold and bought at NBCO's selling/buying rate of the currency available on NBCO's website: https://yoomoney.ru/account/exchange-rates

NBCO's selling/buying rates for foreign currencies for certain transactions are listed in the Agreement. If the "Multicurrency cards" package is activated (Annex No. 7 to the Agreement), other rates listed in this Annex might apply.

The NBCO accepts requests for disputing transactions made using YooMoney cards in accordance with the terms and conditions of the relevant payment system. Disputing the transaction performed using a wallet is possible if it's made without the client's consent.

When making transactions, the client has the right to enable additional services, such as text message notifications on transactions (99 ₽ per month or 699 ₽ per year), "More cash" feature to increase the commission-free withdrawal limit up to 15,000 ₽ per month (service cost is 69 ₽ per month), or "Multicurrency cards" package (99 ₽ per month). The full list of additional services is listed under the NBCO's Rates at https://yoomoney.ru/page?id=523738.

6. Settings available to the client for e-money transactions

You can ban:

• Payments and transfers via wallets or linked cards: all payments and transfers, all payments and transfers except transfers to YooMoney wallets, or only transfers to YooMoney wallets.

  In each case, you can add exceptions i.e., transfers that will be allowed.

  To set or cancel limits, contact the Support Service via the form on the website. It'll take a maximum of 3 business days to process your request, and then we'll send you an email. You need to reply to it to confirm that you want to set or cancel the limits.

• Transactions with YooMoney cards: payments, cash withdrawals, or transfers (to be done for each card separately).

  To set or cancel limits, go to "Cards" on the website or in the mobile app, open the page of the card you need, and apply the necessary settings.

You can ban: all spending transactions, only payments, payments and cash withdrawals.

In each case, you can specify a single payment amount, a daily limit, and a monthly limit. These limits apply collectively to both wallet and card transactions.

To set or cancel limits, contact the Support Service via the form on the website. It'll take a maximum of 3 business days to process your request, and then we'll send you an email. You need to reply to it to confirm that you want to set or cancel the limits.

7. List of apps for making transactions via electronic means of payment

Clients of the "YooMoney" payment service have access to the YooMoney mobile app as well as to services of the payment app developers listed on this page: https://yoomoney.ru/page?id=526123.

8. Terms of use of the wallet and security

E-money transactions are performed at the user's order after their authentication, which depends on the electronic payment instrument (wallet, card), the transaction type, and the authorization method chosen by the user (e.g. using login and password, scanning a QR code, using one-time codes: to email, in a push notification, text message, and/or by making a call from a random phone number).

The user can set up autopayments (transactions performed with a certain periodicity) or give acceptance for payments at the request of pre-determined recipients. In this case, no additional user consent is required when making autopayments or payments with pre-determined acceptance. You can disable autopayments or revoke the acceptance at any time in the wallet interface or by contacting the YooMoney's Support Service.

E-money on the identified wallet may be foreclosed in accordance with the procedure established by the legislation. In this case, the e-money balance will be debited in the amount specified in the bailiff's order or court ruling, without the user's order.

You can read about the risks associated with using e-money and recommended safety measures here: https://yoomoney.ru/security

Violation of terms of use of the wallet may lead to the wallet blocking or terminating the Agreement with the client.

Wallet blocking means a ban on spending transactions with e-money (in some cases the ban may be imposed on deposit transactions). The wallet can be blocked also:

• At user's discretion. To do this, you need to visit any of NBCO's offices or contact the YooMoney's Support Service.

• From NBCO's side, if there are suspicions of unauthorized use of the Wallet, compromise of authorization data, bankruptcy of the Client, or existence of debts to the NBCO.

• At the request of authorized public agencies in compliance with the legislation.

To unlock the wallet after it was blocked at the discretion of the user or NBCO, the user need to follow the instructions provided by the YooMoney's Support Service. In particular, the user might need to complete identification, verify that they're the owner of the wallet, or provide an explanation for transactions being performed.

The NBCO shall refuse to perform the transaction to the client, and also has the right to block the wallet if it identifies signs of money transfers made without the client's consent (for example, when the transaction characteristics are different from the standard payment behavior or details on the recipient and/or its electronic means of payment are contained in the database on cases and attempts of money transfers made without the client's consent, which is maintained by the Bank of Russia).

Additionally, the NBCO blocks the wallet if the client's data or wallet/card details are listed in the Ministry of Internal Affairs database.

9. Pricing

Rates of commissions charged by the NBCO for wallet servicing and processing transactions can be found on the Pricing page. During the payment process, information about a commission is displayed before a user is supposed to initiate a transaction. This information can also be found in the wallet history. Credit organizations, mobile carriers, and other companies which provide services to users can charge additional fees which users pay separately.
Commission rates for the most common transactions via the wallet are listed below.

Below are the commissions charged for the most popular wallet transactions.

• No commission is charged for creating a wallet or for its servicing, except if there hasn't been any active transactions via the wallet for more than two years. In this case, the commission for creating the wallet and its servicing will be 270 rubles per month or the amount of the balance, if it's less than the amount established by the rates. If the wallet balance is 0 rubles, the commission isn't charged.

• There's no commission for transferring e-money between YooMoney wallets https://yoomoney.ru.

• No commission is charged in most stores or for paying taxes.

• The standard commission for transferring money to an individual's bank account is 3% + 15 rubles, to a bank card is 3% + 45 rubles.

• The commission for withdrawing cash via YooMoney cards is 3% of the amount, minimum 100 rubles (there are exceptions that allow withdrawing cash without a commission).

• The minimum servicing price for a physical YooMoney card is 100 rubles for the whole validity period of the card. Servicing of virtual cards is free of charge.

You can find more information about the pricing here: https://yoomoney.ru/page?id=523738.

10. Changes to the terms and conditions of servicing

Changes to the Agreement with the client are made when the client accepts the corresponding offer from the NBCO. The NBCO sends the client an offer regarding the changes to the Agreement by publishing the new version of the Agreement on NBCO's website. In case NBCO's offer regarding changes to the Agreement (including the terms of providing additional services) isn't accepted, the client has a right to repudiate the Agreement unilaterally within three calendar days since the new version of the Agreement (including the terms of providing additional services) hereof is published on NBCO's website.

11. How to cancel a wallet

If the wallet balance is 0 rubles, you can cancel it on the website https://yoomoney.ru/ or by contacting the 24/7 Support Service. If the wallet balance is 20 rubles or more, you need to submit a statement with bank details to transfer the e-money balance.

Learn more in clause 12.4 of the Agreement.