Yandex.Money / Legal Information

GENERAL TERMS AND CONDITIONS OF THE YANDEX.MONEY SERVICE

Find your type of company in the list below: the corresponding block includes links to the terms and conditions and annexes you need.
 
For Merchants
They accept payments via Yandex.Checkout.
Read through the General Terms and Conditions and Annexes
Sections of the General Terms and ConditionsNumbers of the Clauses and Annexes
Entering into the Contract2.2, 2.3, 2.5, 2.6
Onboarding2.7, 2.10
General Provisions6.1
Operator's Remuneration and Settlements6.2
Accepting and Providing Services by the Operator6.3
Refunding and Cancelling Transfers6.4
Rights and obligations of the Parties whan making the Money Transfers
using bank cards
6.5
Verifying Details of Transfers9.2.5, 9.2.6, 9.3, 9.4, 9.5, 9.6
Using Trade Marks and Other Individualizing Means,
requirements to the site and user interfaces when making the Money Transfer
10
Responsibility of the Parties and Disputes Settlement12.1, 12.13–12.20
Privacey13
Validity Term, Amending and Terminating of the Contract14
Agreement on Electronic Document FlowAnnex No. 1
Form for the Certificate of Services RenderedAnnex No.2.3, 2.4
Table of the Payment MethodsAnnex No. 5
Form of the Contract for the Merchants Russian ResidentsAnnex No. 9.1
Form of the Contract for the Merchants Non-Russian ResidentsAnnex No. 9.2
Form of the Contract for the Merchants Russian Residents
who are sole proprietors
Annex No. 9.3
Form of the Contract for the Merchants Russian Residents
who are corporations
Annex No. 9.4
Form of the Contract for the Merchants Non-Russian Residents
who are corporations
Annex No. 9.5
Form of the Contract for the Merchants Non-Russian Residents
who are sole proprietors
Annex No. 9.6
Other Terms and Conditions15.2–15.5, 15.7–15.10
For Agents
They provide advertising services for the Yandex.Money services.
Read through the General Terms and Conditions and Annexes
Clauses of the General terms and ConditionsNumbers of Clauses and Annexes
Procedure for entering into the Contract2.2
General overview8.1
Agent's Remuneration and Order for Making Settlements8.2
Accepting the Agent's Services8.3
Using Trade Marks and Other Individualizing Means
requirements for the site and user interfaces when making the Money Transfer
10
Responsibility of the Parties and Settlement of Disputes12.1, 12.14, 12.20
Privacy13
Validity Term, Amendments to the Contract and Termination of It14
Form for Agent's ReportAnnex No. 2.5
Form of the Contract for Agents ResidentsAnnex No. 11.1
Form of the Contract for Agents Non-Russian ResidentsAnnex No. 11.2
Other Terms and Conditions15.2–15.5, 15.7–15.10
For Payment Agents (Banking Payment Agents)
They allow the clients to add money to the Yandex.Money's e-wallets
Read through the General Terms and Conditions and Annexes
Sections of the General Terms and ConditionsNumbers of the Clauses and Annexes
Entering into the Contract2.2
Onboarding2.7, 2.10
General Provisions3.1
Interaction of the Parties when the Payment Agent accepts
money from individuals
3.2
Engaging sub-agents by the Payment Agent3.3
The Operator's check for sticking to the Payment Agent's engaging conditions3.4
Settlements3.5
Payment Agent's Remuneration3.6
Payment Agent's Report3.7
Verifying Details of Transfers9.1, 9.2.1, 9.3, 9.4, 9.5, 9.6
Using Trade Marks and Other Individualizing Means,
requirements to the site and user interfaces when making the Money Transfer
10
Accepting money by the counterparties11
Responsibility of the Parties and Disputes Settlement12.1–12.7, 12.14, 12.19, 12.20
Privacy13
Validity Term, Amending and Terminating of the Contract14
Agreement on Electronic Document flowAnnex No. 1
Form for the Payment Agent's ReportAnnex No. 2.6
Form for the list of the operation locationsAnnex No. 3
Form of the Contract with the Payment AgentAnnex No. 6
Other Terms and Conditions15.2–15.5, 15.7–15.10
For Banks
The allow the clients to add money to their Yandex.Money e-wallets.
Read through the General Terms and Conditions and Annexes
Sections of the General Terms and ConditionsNumbers of the Clauses and Annexes
Entering into the Contract2.2
Onboarding2., 2.10
General Provisions4.1
Remuneration and Settlements4.2
Accepting and Providing Services by the Bank4.3
Verifying Details of Transfers9.2.2, 9.3, 9.4, 9.5, 9.6
Using Trade Marks and Other Individualizing Means,
requirements to the site and user interfaces when making the Money Transfer
10
Accepting money by the counterparties11
Responsibility of the Parties and Disputes Settlement12.1, 12.8, 12.9, 12.10, 12.11, 12.14, 12.19, 12.20
Privacy13
Validity Term, Amending and Terminating of the Contract14
Agreement on Electronic Document flowAnnex No. 1
Form for the Certificate of Services RenderedAnnex No. 2.1
Form of the Contract with the Bank ResidentAnnex No. 7.1
Form of the Contract with the Bank Non-ResidentAnnex No. 7.2
Other Terms and Conditions15.2–15.5, 15.7–15.10
For Providers
They provide the clients with the payment solutions of Yandex.Money and Yandex.Checkout.
Read through the General Terms and Conditions and Annexes
Sections of the General Terms and ConditionsNumbers of the Clauses and Annexes
Entering into the Contract2.2
Onboarding2.7, 2.10
Subject matter of the Contract7.1
General Provisions6.1
The Operator's Remuneration and Settlements6.2
Accepting the Operator's services6.3
Refunding and Cancelling the Money Transfers6.4
Rights and Obligations of the Parties when Performing the Money Transfers
Using Bank Cards
6.5
Verifying Details of Transfers9.2.5, 9.2.6, 9.3, 9.4, 9.5, 9.6
Using Trade Marks and Other Individualizing Means,
requirements to the site and user interfaces when making the Money Transfer
10
Responsibility of the Parties and Disputes Settlement12.1, 12.14, 12.19, 12.20
Privacy13
Validity Term, Amending and Terminating of the Contract14
Agreement on Electronic Document FlowAnnex No. 1
Form for the Certificate of Services RenderedAnnex No. 2.3, 2.4
Table of the Payment MeansAnnex No. 5
Form of the Contract for the Providers ResidentsAnnex No. 10.1
Form of the Contract for the Providers Non-Russian ResidentsAnnex No. 10.2
Other Terms and Conditions15.2–15.5, 15.7–15.10
For Senders
They transfer money to the clients via Yandex.Checkout's solution for mass payouts.
Read through the General Terms and Conditions and Annexes
Sections of the General Terms and ConditionsNumbers of the Clauses and Annexes
Entering into the Contract2.2, 2.4, 2.7, 2.8
Onboarding2.7, 2.10
General Provisions5.1
Interaction of the parties when the Client makes the Order
for transferring the Deposit amount
5.2
The Operator's Remuneration and Settlements5.3
Accepting the Services the Operator Provided5.4
Verifying Details of Transfers9.2.3, 9.2.4, 9.3, 9.4, 9.5, 9.6
Using Trade Marks and Other Individualizing Means,
requirements to the site and user interfaces when making the Money Transfer
10
Responsibility of the Parties and Disputes Settlement12.1, 12.12, 12.14, 12.19, 12.20
Privacy13
Validity Term, Amending and Terminating of the Contract14
Agreement on Electronic Document FlowAnnex No. 1
Form for the Certificate of Services RenderedAnnex No. 2.2
Form of the Contract with the Sender ResidentAnnex No. 8.1
Form of the Contract with the Sender Non-ResidentAnnex No. 8.2
Form of the Request for the Senders Residents
who are sole proprietors
Annex No. 8.3
Form of the Request for the Senders Residents
who are corporations
Annex No. 8.4
Form of the Request for the Senders Non-Russian Residents
who are corporations
Annex No. 8.5
Form of the Request for the Senders Non-Russian Residents
who are sole proprietors
Annex No. 8.6
Other Terms and Conditions15.2–15.5, 15.7–15.10
 
 
Annexes
 
Download General Terms and Conditions of the Yandex.Money Service as one file (.pdf, 1.49 MB)
 
 

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 Yandex.Money (OGRN (Primary National Registration Number) 1127711000031, TIN 7750005725, banking license No. 3510-K of 27.03.2015), hereinafter referred to as the Operator, as the standard conditions of contracts entered into by the Operator with legal entities and individual entrepreneurs in the course of interaction with the Yandex.Money Service.
1.2. In the General Terms and Conditions the following terms are used in the following meanings:
Operator — the Limited Liability Company Non-bank Credit Organization "Yandex.Money", located at: 11 Timura Frunze St., bld. 44, Moscow; license of the Bank of Russia No. 3510-K.
Operator's Website — the Operator's website located on the Internet at either of the following addresses: https://money.yandex.ru or https://kassa.yandex.ru/.
Yandex.Money Service — complex legal relationships that arise between the Operator and the Clients, as well as between the Operator and the Counterparties, related to providing the Clients with funds transfer services ordered by individuals, and Counterparties with accompanying informational and technological services by the Operator.
Yandex.Checkout Service — the part of Yandex.Money Service referred to complex legal relationships that arise between the Operator and the Counterparties, and related to providing the informational and technological services when performing Money Transfers in favor of the Providers/Merchants and performing the Deposits.
General Terms and Conditions — these General Terms and Conditions of the Yandex.Money Service.
Client — an individual of at least fourteen years of age who entered into the Agreement or other payment service contract with the Operator.
Agreement—an agreement on provision of funds transfer services without opening an account, using the Yandex.Money service available on Operator’s Site https://money.yandex.ru/page?id=522764.
Кошелек—an electronic payment means served by the Operator to the Clients on the basis of the Agreement.
Payer — the individual by whose order a Money Transfer is performed. The Payer may be the Operator’s Client or an individual who is not the Operator’s Client.
Recipient — an individual, a legal entity or an individual entrepreneur in favor of which the Transfer is made.
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.
Order for Money Transfer — electronic Payer's order against which a Money Transfer is performed.
Agent — a legal entity or individual entrepreneur promoting the informational and technological services by the Operator under the Contract entered into.
Bank — the credit organization or the other organization that is entitled to transfer funds by order of individuals in accordance with the effective local legislation, and that provides informational and technological services to the Operator when Money Transfers is performed in favor of the Client, the Merchant, or the Provider (clients of the Provider or clients of the credit organizations that are partners of the Provider) under the Contract entered into with the Operator.
Provider — the organization entitled to transfer funds by order of individuals in accordance with the effective local legislation, to which the Operator 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, under the Contract entered into between the Operator and the Provider.
Payment Agent — the bank payment agent engaged by the Operator for accepting cash from individuals, including via payment kiosks and ATMs, under the Contract entered into in accordance with these General Terms and Conditions.
Merchant — a legal entity or individual entrepreneur 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.
Sender — a legal entity or individual entrepreneur to which the Operator provides informational and technological services when making Deposits under the Contract entered into between the Operator and the Sender.
Resident — a person recognized as a resident in accordance with the Russian legislation on currency regulation and currency control.
Non-Resident — a person recognized as a non-resident in accordance with the Russian legislation on currency regulation and currency control.
Counterparty — any of the mentioned: Agent, Payment Agent, Bank, Provider, Merchant, or Sender.
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, ‘Contract’ refers to the type of contract that may be entered into under Clause 1.5. of these General Terms and Conditions.
Parties — parties of the Contract.
Application — the Counterparty’s offer addressed to the Operator to enter into a Contract on the terms set forth in the Application and these General Terms and Conditions.
Request — an electronic document that is not an offer containing information about the Counterparty wishing to enter into a Contract with the Operator.
Products — the products, intellectual property rights, works and services, sold by the Merchant.
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.
Merchant Account — 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 sites (web browser).
IPS — payment systems including international payment systems, including but not limited to MasterCard Worldwide, Visa International and MIR. The Operator specifies the specific list of IPS which cards may be used for the payment or for which may be issued the Order for Money Transfer of the Deposit Amount. The Operator familiarizes the Counterparty with the list on the Service website and can change the list unilaterally at any time.
Reporting Day — a calendar day from 00 hours 00 minutes 00 seconds to 23 hours 59 minutes 59 seconds Moscow Time.
Reporting Month (Reporting Period) — 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.
Working 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.
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.
Order for Money Transfer of the Deposit Amount — an order for further transfer of the Deposit amount sent to the Operator by the Client using the Sender’s website.
Collateral — an amount of money provided by the Counterparty to the Operator as a means of ensuring fulfillment of the Counterparty’s obligations under the Contract. The Collateral can be used by the Operator to satisfy any money requirements imposed on the Counterparty under the Contract.
Card — an IPS payment card used by a cardholder for operations with funds kept by the Issuer in accordance with the Russian legislation, IPS rules and the Contract with the Issuer.
Authorization — the procedure of making a request and receiving consent of the Acquirer for executing a payment for Products or donations with a Card.
Issuer — a credit organization that issued the Card.
Acquirer — a credit organization settling accounts with the Operator on transactions made with Cards, under the contract entered into with the Operator.
Fraudulent Transaction — a Money Transfer that the IPS/the Issuer/ the Operator/the Bank claimed to be fraudulent and/or Payer challenged, and/or that the Acquirer/the Operator/the 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 statement of the Issuer/IPS/Acquirer/the Bank received by the Operator via email, via fax, or in hard copy;
  • founded statement of the Client about electronic payment means using without his consent, that was received in the procedure specified by the Agreement;
  • Operator registered the fact of Money Transfer performing without Order for Money Transfer.
  • Invalid Transaction — a Money Transfer that the IPS/the Issuer/the Acquirer / the Operator/ the Client/ the Payer to be invalid according to the IPS rules, Agreement, contract entered into between 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 the Yandex.Checkout service exceeds the normal price of similar Counterparty Products when paid for with other means.

  • Sufficient confirmation of a transaction to be Invalid is deemed inter alia:
  • a statement of the Issuer/IPS/Acquirer/Bank received by the Operator via email or fax,
  • founded statement of the Client that was received in the procedure specified by the Agreement,
  • Operator registered that the requested documents are not provided, or another fact for which the operation should be qualified as invalid.
  • Money Transfer Notification — confirmation that a Payer's order for Money Transfer was accepted.
    Payment Refund — partial refund of the Money Transfer amount to the Payer on the date of Money Transfer Notification to the Counterparty, and full or partial refund of the Money Transfer amount at any time after the date of 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 Account 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 Merchant Account,
  • the Counterparty’s order furnished via MWS or API if these protocols are implemented it's connection was realized by the Counterparty,
  • the Counterparty’s order furnished via the other mean agreed by the Parties.

  • Payment Refund caused by the Operator is performed without the Counterparty's consent if it refers to Invalid Transactions or to Fraudulent Transactions or if the Client requests the refund under the Buyer Protection service.
    Payment Cancellation — full refund of the Money Transfer amount to the Payer by the Operator no later than the date of Money Transfer Notification to the Counterparty according to the Counterparty’s order furnished via one of technically available method that is described on the Operator's website and/or available at the Merchant Account at the moment of Payment Cancellation performing. These means include but not limited to:
  • the Counterparty’s order furnished via Merchant Account,
  • the Counterparty’s order furnished via MWS or API if these protocols were implemented by the Counterparty,
  • the Counterparty’s order furnished via the other method agreed by the Parties.
  • Register — an electronic document that the Operator sends daily to the Counterparties for reconciliation of the Yandex.Money Service’s data on Money Transfer Notifications/Deposit notifications/other payment notifications received or sent by the Operator as specified in Section 9 of the General Terms and Conditions.
    Certificate of Services Rendered — a document that certifies the services rendered under the Contract for the Reporting Month.
    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.
    Agent’s Report — a document containing information on the Agent’s remunerations and other information specified in these General Terms and Conditions.
    SHC — the Operator’s software and hardware complex for information exchange and electronic document flow between the Operator and the Counterparty.
    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 and located on the internet page https://money.yandex.ru/doc.xml?id=527255.
    Information Exchange Protocol — a protocol for exchanging information on Transfers, Deposits, and cash received by the Payment Agent 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.
    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 Information Exchange Protocol https://tech.yandex.ru/money/doc/payment-solution/payment-management/payment-management-about-docpage/.
    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://tech.yandex.ru/money/doc/payment-solution/About-docpage/, https: // kassa .yandex.ru/docs/api_kassa_apple_pay_via_sdk.pdf
    API—Information Exchange Protocol between the Operator and the Merchant or the Operator and the Provider, posted on the Internet at https://kassa.yandex.ru/docs/checkout-api
    Table of Payment Methods — a document provided in Annex 5 to these General Terms and Conditions containing information on Money Transfer methods provided by the Yandex.Money Service, as well as possibility of Payment Cancellation or Payment Refund.
    The Buyer Protection service—Service of the Operator that provides the Client with the opportunity, in accordance with the procedure and on the conditions established by the Agreement, 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.
    1.3. The Yandex.Money Service provides information and technological interaction between the Payers/ the Recipients and the Counterparties when performing Money Transfers.
    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 paying agent for the Money Transfer.
    When Money Transfers are performed within the Yandex.Money Service, the funds transfer services can be provided by the Bank, the Provider and the Operator. Possible Recipients of Money Transfers: the Merchant, the Provider, the Provider’s clients, clients of the credit organization that is the Provider’s partner, or the Operator when the Money Transfer is performed in order to increase the remaining electronic funds balance of the Operator’s Clients.
    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 can engage only Residents as the Payment Agents.
    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 by Individuals 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.
    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 payment terminals and 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.
    1.6. 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. The Operator has the right to demand information on the obligations set forth in Clause 1.6. of these General Terms and Conditions as well as it has the right to request any but not limited to supporting documents from the Counterparty if such information, for example, is required by law, including the requirements of on counteraction to legalization (laundering) of incomes obtained by criminal means and financing of terrorism legislation, if it needs for fulfillment of the Operator’s obligations, if it is necessary for the recognition of the Fraudulent Transactions or the Invalid Transactions and so on. The Counterparty in answer to the Operator's requirement must provide the requested information and documents within three working days of receiving the Operator's request if the Operator does not establish another term in the request. The Operator sends his request in any address that is mentioned in the Application/the Contract.
    1.8. 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.
    1.9. The current version of these General Terms and Conditions is published on the Operator’s Website at https://money.yandex.ru/doc.xml?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 conclusion of the Contract methods:
    CounterpartyHard copy of the Contract as specified in these General Terms and ConditionsHard copy of the Application (offer) with the mark of acceptanceElectronic document exchange
     Method 1Method 2Method 3
    Payment AgentYES
    Annex No 6
    NONO
    Resident BankYES
    Annex No 7.1
    NONO
    Non-resident BankYES
    Annex No 7.2
    NONO
    Resident SenderYES
    Annex No 8.1
    YES
    Annex No 8.3 (for individual entrepreneurs)
    Annex No 8.4 (for legal entities)
    YES
    Annex No 8.3 (for individual entrepreneurs)
    Annex No 8.4 (for legal entities)
    Non-Resident SenderYES
    Annex No 8.2
    YES
    Annex No 8.5 (for legal entities)
    Annex No 8.6 (for individual entrepreneurs)
    NO
    Resident MerchantYES
    Annex No 9.1
    YES
    Annex No 9.3 (for individual entrepreneurs)
    Annex No 9.4 (for legal entities)
    YES
    Annex No 9.3 (for individual entrepreneurs)
    Annex No 9.4 (for legal entities)
    Non-Resident MerchantYES
    Annex No 9.2.
    YES
    annex No 9.5 (for legal entities)
    annex No 9.6 (for individual entrepreneurs)
    NO
    Resident ProviderYES
    Annex No 10.1
    NONO
    Non-resident ProviderYES
    Annex No 10.2
    NONO
    Resident AgentYES
    Annex No 11.1
    NONO
    Non-Resident AgentYES
    Annex No 11.2.
    NONO
    2.2. The Contract is concluded with the Method 2 in the following order:
    2.2.1. The Counterparty furnishes the Application as specified in corresponding Annex of these General Terms and Conditions in two copies, both signed by the Counterparty’s authorized person and sealed by the Counterparty’s seal (if any) and sends it to the Operator’s postal address specified in Clause 15.6. of these General Terms and Conditions.
    2.2.2. The Contract is deemed entered into from the date set forth in the Counterparty’s Application that the Operator’s authorized person signs in order to accept the Counterparty’s offer on entering into the Contract. The Application with the Operator’s mark of acceptance of the Counterparty’s offer specified in the Application is the only document that confirms that the Contract has been entered into. One copy of the Application with the Operator’s mark of acceptance is returned to the Counterparty and the other copy is kept by the Operator.
    2.3. The Contract can be entered into by Method 3 with the document exchange using:
    2.3.1. Merchant Profile.
    The Counterparty sends the Request to the Operator on the Yandex.Checkout website, accepts the Merchant Account Agreement https://money.yandex.ru/doc.xml?id=523050 .
    If a scanned copy of the filled-out Application signed by the Counterparty’s authorized person and sealed with the Counterparty’s seal according to the form in corresponding Annex to these General Terms and Conditions was posted on the Merchant Account, this shall be recognized as sending by the Counterparty to the Operator an irrevocable offer to enter into the Contract on the terms specified in the Application and these General Terms and Conditions.
    The Contract is deemed entered into from the date the Operator posts a notice on accepting the offer from the Application on the Counterparty 's Merchant Profile.
    2.3.2. The Application that the Counterparty sent to any of the following Operator's e-mail addresses and received the accepting from one of these addresses:
    ecommerce@yamoney.ru,
    yamoney_shop@yamoney.ru
    merchants@money.yandex.ru,
    nonresident@yamoney.ru
    poisk@yamoney.ru
    search_payments@yamoney.ru
    accounting@yamoney.ru.
    in the following order:
    The Counterparty sends to one of mentioned Operator’s e-mail address a scanned copy of the filled-out Application signed by the Counterparty’s authorized person and sealed with the Counterparty’s seal according to one of the corresponding form.
    The Counterparty’s Application shall be recognized as an irrevocable offer to enter into the Contract on the terms specified in the Application and these General Terms and Conditions.
    The Contract is deemed entered into from the date the Operator sends a notice on accepting the offer from the Application to the Counterparty’s e-mail address specified in the Application.
    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 (except a Contract with an Agent), the Counterparty must provide the technical integration with the Operator. The Operator's obligation on provision of the information service under the Contract arises after entering into the Contract after the Counterparties were connected to SHC, unless otherwise specified in these General Terms and Conditions.
    2.7. Relationship between the Parties on information and technological interaction are regulated by the Information Exchange Protocol published on the Internet at the address specified table below in the column "Information Exchange Protocol", the conditions of the technical integration are specified in the column ‘Connection order’:
    CounterpartyInformation Exchange ProtocolConnection order
    Payment Agenthttps://tech.yandex.ru/money/doc/payment-solution/deposition/intro-docpage/The connection of the Payment Agent to SHC is performed by the Payment Agent in collaboration with the Operator.
    The Connection is confirmed with email from/to the addresses specified in the Contract, notice of the Payment Agent about information interaction readiness and specifying of the necessary technical information of the Parties.
    Bankhttps://tech.yandex.ru/money/doc/payment-solution/deposition/intro-docpage/The connection of the Bank to SHC is performed by the Bank in collaboration with the Operator.
    The Connection is confirmed with email that was sent by the Operator from/to the addresses specified in the Contract, notice of the Bank about information interaction readiness and specifying of the necessary technical information of the Parties.
    Senderhttps://tech.yandex.ru/money/doc/payment-solution/payout/intro-docpage/The method of information and technological interaction for the Deposit performing that the Sender selected is specified in the Application/the Contract.
    The connection of the Sender to SHC is performed by the Sender in collaboration with the Operator. The Connection is confirmed with email from/to the addresses specified in the Application/the Contract, notice of the Sender about information interaction readiness and specifying of the necessary technical information of the Parties.
    The Sender may, at discretion, use the Deposit Agent application for information and technological interaction with the Operator. The download link is provided by the Operator when the Sender was connected. Using this method of information and technological interaction when making Deposits the Sender does not have option of sending the Order for Money Transfer of the Deposit Amount to the Operator.
    If the Sender uses the Deposit Agent application, the connection to SHC is performed by the Sender in accordance with the instructions that were furnished by the Operator via email.
    Merchant HTTP Protocol or
    API or
    Email Protocol
    The first-chosen method of Money Transfer Notification exchange is specified in the Merchant Account.
    The technical information that is necessary for the connection of the Merchant to SHC is provided with one of the following methods:
    • via Merchant Profile,
    • to one of the email addresses specified in Clauses 2.3.2 of these General Terms and Conditions.
    The Connection is confirmed with Operator's email from/to the addresses specified in the Application/the Contract or via Merchant Account, notice of the Merchant about information interaction readiness.
    When choosing Email protocol, the technological integration of the Merchant with SHS does not take place. Notifications about Money transfers are sent by the Operator to the Merchant in the form specified in HTTP protocol, to the e-mail address provided by the Merchant in the technical data.
    In the event that a Third Party Merchant (CMS) is involved in order to integrate with SHS and further information and technological interaction with the Operator, the interaction between the Operator and the Merchant shall be carried out in accordance with the Information Exchange Protocol (HTTP protocol or API) used by such third party. A list of CMSs that can be engaged for integration with SHS and information on the Information Exchange Protocols used by them is posted on the Operator's Site.
    ProviderHTTP Protocol or
    API or
    Email Protocol
    The first-chosen method of Money Transfer Notification exchange is specified in the Merchant Account.
    The technical information that is necessary for the connection of the Provider to SHC is provided with one of the following methods:
    • via Merchant Profile,
    • to one of the email addresses specified in Clauses 2.3.2 of these General Terms and Conditions.
    The Connection is confirmed with Operator's email from/to the addresses specified in the Application/the Contract or via Merchant Account, notice of the Merchant about information interaction readiness.
    When choosing Email protocol, the technological integration of the Merchant with SHS does not take place. Notifications about Money transfers are sent by the Operator to the Merchant in the form specified in HTTP protocol, to the e-mail address provided by the Merchant in the technical data.
    In the event that a Third Party Merchant (CMS) is involved in order to integrate with SHS and further information and technological interaction with the Operator, the interaction between the Operator and the Merchant shall be carried out in accordance with the Information Exchange Protocol (HTTP protocol or API) used by such third party. A list of CMSs that can be engaged for integration with SHS and information on the Information Exchange Protocols used by them is posted on the Operator's Site.
    2.8. All the notices that were received under the Information Exchange Protocol is 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 information 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 Counterparty is entitled to engage third parties for providing of software and hardware integration of the Parties and information and technological interaction bearing responsibility to the Operator for their actions as his own.
    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 is not specified in these General Terms and Conditions.
    2.10. Technical integration tools change, changing of payment methods / is provided against change of technical interaction parameters information, that was received by the Operator via Merchant Profile, or to one of mentioned in Clause 2.3.2 Operator’s e-mail address, or to Operator’s e-mail address mentioned in the Application/the Contract.
    The change is confirmed with Operator's email from/to the addresses specified in the Application/the Contract with a notice of the Counterparty about information interaction readiness taking into account the new technical parameters an/or the notice is located in the Merchant Profile.
    2.11. The Operator is entitled to suspend SHC operation and information technology service of the Counterparty fully or partially:
    • in case of routine maintenance (proactive measures to maintain the operating status) of SHC by the Operator - for a term of routine maintenance;
    • in case if the Counterparty breaches any of its obligations specified in the Contract or in the Russian legislation (including the case of Operator's suspicions, that the Counterparty is involved into legitimization (laundering) proceeds of crime or financing of terrorism/other illegal activities) - until such failure is completely remedied by the Counterparty or until the date of termination of the Contract inclusive;
    • in case of the circumstances beyond the Operator's control that preclude the normal work of SHC of the Operator - during the term of these circumstances.
    • in case the Operator records the fact of the Counterparty's debt to the Operator - until the Counterparty pays debt in full to the Operator.

    The Operator shall send to the Counterparty a notice about suspending of the information and technological service no later than the date of arresting. The notice shall specify the reason and the term of arresting.
    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 the Annex 4 of these General Terms and Conditions, and any explanations and any documents in order to ascertainment legality of the Counterparty's activity and fulfilling these requirements of Counterparty's activity control legislation.
    2.13. The Operator is entitled to send information on Yandex.Money service and its partners work via any contacts furnished by the Counterparty during the connection: email, telephone, mobile applications, etc.
    2.14. The Operator provides the Merchant Account in accordance with Merchant Account Agreement https://money.yandex.ru/doc.xml?id=523050 to the Provider, the Sender, the Merchant (hereinafter in this Clause referred to as the Counterparty).
    2.14.1. The Merchant Account 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 while preparing the Request and it shall be recognized by the Parties as sufficient for the authentication for the Merchant Account access.
    2.14.2. All the documents/notifications/orders that were located/performed by the Counterparty in its Merchant Account 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 Account using shall be recognized as the actions provided by the Counterparty.
    2.14.3. The information located on the Merchant Account 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 email is specified in these General Terms and Conditions.
    2.14.4. The Counterparty his authorization information must be kept a secret. The Operator does not bear responsibility for the Counterparty's losses (damages) and other adverse effects that arose after access to the Merchant Account of the persons who are not authorized by the Counterparty resulted from the Counterparty divulged or lost its authentication data.

    3. PAYMENT AGENTS. RIGHTS AND OBLIGATIONS 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 payment kiosks and 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 the payment kiosks and ATMs, bearing responsibility to the Operator for their actions as their own.
    3.1.3. The information 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@yamoney.ru with a list of all the places of conducting transactions of cash acceptance under the form of Annex No. 3 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. 3 to the General Terms and Conditions via e-mail to infobanks@yamoney.ru.
    3.1.5. The Operator is entitled to enter into similar contracts with other agents.
    3.1.6. 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 information 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 payment kiosks and ATMs.
    3.2.2. When accepting cash with the use of payment kiosks and ATMs, the procedure of the cash acceptance must comply with the requirements, set out in Section 11 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 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 him 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 15 000 (Fifteen thousand) rubles if under the Contract the Payment Agent is not entrusted with carrying out identification of individuals, as well as money for the 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 operation 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 form.
    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 the Federal Law No. 161-FZ On the National Payment System and these General Terms and Conditions.
    3.3.2. The Payment Agent agrees to maintain a list of subagents, attracted by him, under the form of Annex No. 3 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 working 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 operations 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 Clause 3.4. of these General Terms and Conditions, and no later than 3 (three) Working Days, after the day when the subagent detects violations in the specified requirements, to sent 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 5 (five) Working 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 Working Day after the day of receiving the Operator's request, specified in the first paragraph of this sub-clause, to perform all actions, necessary to deprive the relevant sub-agent of the ability to continue operations on behalf of and at the expense of the Operator.
    3.4. Operator’s supervision over the Payment Agent’s compliance with the conditions for its involvement
    3.4.1. 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.

    3.4.2. 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 individuals, including individuals, who contributed funds 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.
    3.4.3. 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.
    3.4.4. When using the specified in clause 3.4.1. 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;
    • с• information on operations, 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;
    • copies of cashier's checks, 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 payment terminal, 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;
    • other documents, allowing to establish good faith of the Payment Agent in accordance with the recommendations of the regulator.
    3.5. Payment procedure.
    3.5.1. The Payment Agent shall, within 5 (five) Working 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.
    3.5.2. 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.
    3.5.3. Interests on the amount of Collateral are not paid by the Operator. The unexpended balance of the Collateral shall be returned to the Payment Agent within 5 (five) Working Days from the date of termination of the Contract.
    3.5.4. 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 Working day following it.
    The amounts indicated in the first paragraph of this sub-clause are transferred for each Register of accepted funds, sent by the Payment Agent to the Operator in accordance with Section 9 of these General Terms and Conditions, by a separate payment order specifying the purpose of the payment ‘Payment under the contract No. [number and date of the contract] in the Registry No. [number and date of the Register of accepted funds]. VAT free’.
    The part of the remuneration, charged by the Payment Agent from individuals, payable to the Operator in accordance with sub-clause 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 5 (five) Working 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 Account , specified in the Contract with indicating the purpose of the payment #8216;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 18% VAT’.
    3.5.5. In the event that the amount, specified in the first and third paragraphs of sub-clause 3.5.4. 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.
    3.5.6. 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.
    3.5.7. The Payment Agent does not have the right to deduct any amounts, which are subject to transfer to the Operator by the Payment Agent.
    3.5.8. 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@money.yandex.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.
    3.5.9. The amounts, specified in the sub-clauses 3.5.1. and 3.5.4. 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.
    3.5.10. Payment Agent’s monetary obligations shall be deemed fulfilled upon receipt of monetary funds on Operator’s correspondent account.
    3.6. Payment Agent Remuneration
    3.6.1. 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.
    3.6.2. 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 20th (twentieth) day of the month, following the Reporting Month.
    3.6.3. 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.
    3.6.4. The Payment Agent has the right to collect from the individuals, which provide funds, the remuneration in his favor, provided there is an appropriate condition in 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 3 (three) Working 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@yamoney.ru.
    3.6.5. In cases, provided by the Contract, the Payment Agent is obliged to pay the part of the remuneration, specified in sub-clause 3.6.4. of these General Terms and Conditions, to the Operator.
    3.7. Payment Agent Report
    3.7.1. Not later than the 5th (fifth) day of the month, following the Reporting Month, the Payment Agent shall provide the Operator with the Payment Agent Report in the form, specified in Annex No. 2.6. To these General Terms and Conditions on the e-mail address finance.moscow@yamoney.ru.
    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 10th (tenth) day of the calendar month, following the Reporting Month.
    3.7.2. Within 10 (ten) 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).
    3.7.3. 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 sub-clauses 3.7.1 to 3.7.2. of these General Terms and Conditions. The exchange of the Payment Agent Reports in hard copy is not required in this case.
    3.7.4. The Payment Agent report shall include information on all transactions, carried out by subagents for the relevant Reporting Period.

    4. BANK. RIGHTS AND OBLIGATIONS 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 Operator, 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. In case of violation of this requirement, the Operator has the right to demand payment of a fine of 10 000 (ten thousand) rubles for each violation.
    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 operations for receiving Money Transfers / Orders for Money transfer. The Bank undertakes to provide the specified list within five working 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 customers, 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 Yandex.Money service by providing at the transfers receiving place (office, interface of the terminal, the interface of on-line programs, etc.) the possibility of acquaintance with the indicated terms and conditions, placed on the page: https://money.yandex.ru/page?id=526623, as well as transfer information to the Operator in the Information Exchange Protocol on the fulfillment of this requirement.
    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 sub-clause 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 in the form of Annex No. 2.1. to these General Terms and Conditions not later than the 20th (twentieth) 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 3 (three) Working 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@yamoney.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.
    As a result of the Reporting Month, the part of the remuneration, specified in this clause, is transferred by the Bank to the Operator within 5 (five) Working days from the date of approval by the Operator of the Certificate of Services Rendered for the corresponding reporting month by a separate payment order to the bank account 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 18% VAT.
    4.2.4. Amounts of Money Transfers, subject to transfer by the Bank to the Operator, shall be transferred no later than the Working Day following the day when the Bank sends the Money Transfer Notification to the Operator, with the purpose of payment Transfer of funds under Contract No. number and date of the Contract in Registry No. number and date of the Transfers Registry. VAT free.
    4.2.5. ВIn 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@money.yandex.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, or the Receiver'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, erroneously / as a result of actions of third parties of the credited and fully or partially used by the Recipient.
    4.2.6. The Non-Resident Bank shall, within 5 (five) Working Days from the date of connection to the SHC, transfer to the Operator the Collateral in the amount, determined by the Non-Resident Bank, in rubles of the Russian Federation. In the future, the Non-Resident Bank, in the event of such a need, replenishes the amount of Collateral at own discretion. In all cases, provided in this paragraph, the Non-Resident Bank 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 Money Transfer Notifications, accepted by the Non-Resident Bank 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 Non-Resident Bank independently and at their own expense.
    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 from the Non-Resident Bank to suspend the receipt of Money Transfers and / or replenishment of the Collateral to its amount, independently determined by the Non-Resident Bank upon the first payment of the Collateral.
    Interests on the amount of Collateral are not paid by the Operator. The unexpended balance of the Collateral shall be returned to the Non-Resident Bank within 5 (five) Working Days from the date of termination of the Contract.
    In the event that the amount, specified in the sub-clause 4.2.4. of these General Terms and Conditions, was not transferred within the period, specified by the mentioned sub-clause, the Operator has the right to withhold the part of the Collateral, equal to this amount, notifying the Non-Resident Bank by e-mail about the amount of the retention being made and the balance of the Collateral on the basis of the withholding.
    The amount of Collateral, remaining after settlements under the Contract is returned by the Operator to the Non-Resident Bank within 10 (ten) Working days from the date of termination of the Contract or the expiry of its validity.
    The requirements for the use of Collateral, specified in this clause, may be applied to Resident Banks, if this is provided for by the Contract between the Parties.
    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 5 (Five) Working 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 daygate@yamoney.ru.
    4.3.2. Within 5 (five) days from the date of receipt of the draft Certificate of Services Rendered, the Operator must approve it and send it to the Bank by e-mail to the address, specified in the Contract, or send his objections in the same order.
    4.3.3. Within 3 (three) Working 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 3 (three) Working 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 sub-clauses 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.
    5.1.1. The Operator undertakes to provide information 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 approval in accordance with the procedure established by the Information Exchange Protocol. 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 the Deposit if the amount of the Deposit exceeds the Collateral Balance or a technical threshold set for the sender upon entering into the contract, or if the Deposit entails 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.
    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.
    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 the opportunity for Client to send an Order for Money Transfer of the Deposit Amount using the official site of the Sender indicated in the Contract or the Application for further transfer of the Deposit amount for one, several or all of the following purposes:
    (a) payment for the services of radiotelephone mobile communications provided by the following Operators: PJSC MTS, PJSC VimpelCom (Beeline), PJSC MegaFon, Tele2, LLC Scartel (Yota), OJSC SMARTS, TG MOTIV;
    (b) transfer to the Client’s bank account (citizen of the Russian Federation), opened in a credit organization registered and acting in accordance with the legislation of the Russian Federation;
    (c) transfer to the Client’s bank account (citizen of the Russian Federation) opened for transactions using bank cards of international payment systems.
    5.2.2. In order to fulfill the obligation provided for in paragraph 5.2.1. herein, the Sender post the following information on its official website:
    (a) A link to Operator's official site: https://money.yandex.ru/pay/doc.xml?offerid=default and containing the Operator's offer for citizens of the Russian Federation. The linked page of the Sender's website must contain a checkbox used for the acceptance of the Operator's offer by individual;
    (b) A form for the information that Client shall specify when sending an Order for Money Transfer of the Deposit Amount specified in sub-paragraphs 5.2.1. (b), (c) of these General Terms and Conditions, which must include the surname, name, patronymic (if any), series and number of the Payer's ID.
    5.2.3. To send the Order for Money Transfer of the Deposit Amount, the Client must accept Operator's offer and fill the information form (in case of sending the Orders indicated in sub-paragraphs 5.2.1. (b), (c) of these General Terms and Conditions). The Sender guarantees the observance of these terms when sending the Order for Money Transfer of the Deposit Amount to the Operator.
    5.2.4. Orders for Money Transfer of the Deposit Amount are sent by the Sender to the Operator as it is established by the Information Exchange Protocol. The information on the acceptance of Operator's offer by the Customer and the information about the Client specified in sub-clause 5.2.2. (b) of these General Terms and Conditions, in the event of transfer of Orders specified in sub-paragraphs 5.2.1. (b), (c) of these General Terms and Conditions, is sent at the same time.
    5.2.5. If the Order for Money Transfer of the Deposit Amount can not 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 5 (five) Business Days from the date of receipt of notification of readiness for information 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 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 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 uses foreign currency to transfer the Collateral amount, the further settlement under the Contract shall be calculated for by the Operator in Russian Rubles using the reduced by 2% (two percent) rate of the obligation Currency 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 10 (ten) business days from the date of termination of the Contract or its expiration.
    If the Sender's uses foreign currency to transfer the Collateral amount, 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 obligation Currency 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 2% (two percent), and is transferred in the obligation Currency to the bank account of the Sender.
    5.3.6. Each Deposit Amount, information about which is sent in accordance with the Information Exchange Protocol, 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 sub-paragraph 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 3 (three) Business Days from the date of receipt of the relevant Operator’s request sent to the e-mail address of the Sender specified in the Contract or Application.
    5.3.8. When the Operator returns the amount of Deposit in the order described in paragraph 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 5 (five) days after the end of the Reporting Month, Operator sends to the Sender the Certificate of Services Rendered in the Reporting Month in the form provided in Appendix 2.2 via e-mail to the address specified in the Application or the Contract. The Operator may also post the Certificate of Services Rendered in the Merchant Account within 10 (ten) days from the end of the Reporting Month.
    5.4.2. Within 5 (five) days from the date of receipt of the Act on the services rendered, the Sender is obliged to approve it and send it to the Operator via e-mail to daygate@yamoney.ru or send its objections to the same address.
    5.4.3. Within 3 (three) 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 3 (three) 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 sub-paragraphs 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. PROVIDER. RIGHTS AND OBLIGATIONS OF THE PARTIES

    6.1. General provisions.
    6.1.1. The Operator undertakes to provide information and technological services to the Merchant for remuneration. The services include collection, processing and transfer of information on the Money Transfers to the Merchant.
    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 are indicated in the Table of Payment Methods in Appendix No. 5 to these General Terms and Conditions.
    The Operator has the right to terminate the 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 e-mail no later than the day of such termination.
    The approval of the use of new payment methods is carried out by the Parties in accordance with clause 2.10 of these General Terms and Conditions.
    The availability of any payment methods may be limited, depending on the Information Exchange Protocol used by the Merchants.
    6.1.6. The Merchant undertakes to notify the Operator of the changes planned in the List of Product Sold not later than 5 (five) Business Days before the changes are adopted. Such notification is necessary if the change requires changes in the MCC code related to cards receiving or entails the need for the Merchant to obtain a special permit for the sale of the Product.
    6.1.7. The Merchant shall not sell the Product prohibited for sale in accordance with the legislation of the place of its location and the legislation of the Russian Federation, as well as Product prohibited for sale through the Internet in accordance with the rules of the IPS.
    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.
    The types of operations, information about which is sent/received by a third party on behalf of the Merchant, are determined solely by the Merchant and are sent to the Operator in the order form specified by the Operator in the manner provided for in paragraph 2.9. of these General Terms and Conditions.
    The Merchant may at any time to stop the mediation of a third party by sending the Operator a notice in the form specified by the Operator in the manner provided for in paragraph 2.9. of these 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 for the Services Rendered in the amount agreed by the Parties in the Contract or the Application. The amount of the Operator'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 notified to the Merchant for the Reporting Month.
    The Operator's remuneration is not subject to VAT in accordance with sub-paragraph 4 of paragraph 3 of Article 149 of the Tax Code of the Russian Federation.
    6.2.2. The remuneration is withheld by the Operator from the amounts to be transferred by the Operator 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 the Russian Federation Rubles, net of any withholdings that the Operator is entitled to do in accordance with these General Terms and Conditions, no later than 2 (second) Business Day from the day when 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 Operator's obligation that must be transferred to the Merchant are rubles of the Russian Federation, the Transfer amount is transferred to the Merchant, net of any withholdings that the Operator is entitled to do in accordance with these General Terms and Conditions, in the Russian Federation Rubles no later than in 2 (second) day from the date of sending of the Money Transfer Notification 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 Transfer amount shall be transferred to the Merchant within 40 (forty) days from the date of sending of Transfer Notice 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 10 (ten) days when the Transfer Amount reaches the following values:
    •1,800 (one thousand eight hundred) USD / Euro / CNY, if the Currency Operator's obligation to transfer the Transfer Amounts to the Merchant is in US dollars / Euro, respectively. For calculating the threshold value specified in this paragraph, the US dollar / Euro exchange rate of the Russian Federation established by the Bank of Russia and increased by two percent is applied.
    •1,000 (one thousand) Russian Federation Rubles, if the Currency Operator's obligation to transfer the Transfer Amounts to the Merchant is in a foreign currency other than USD, Euros, or CNY.
    The Money Transfer Amounts are transferred to the Merchant net of any withholdings that Operator has the right to do in accordance with these General Terms and Conditions, in the Operator's currency for obligations of Transferring to the Merchant at the rate of this currency to the Russian Federation Ruble 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 Transfer amount shall be transferred to the Merchant within 40 (forty) 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 10 (ten) days when the Transfer Amount reaches the following values:
    •1,800 (one thousand eight hundred) USD/Euro/CNY, is the Currency of the Product is USD/Euro/CNY, respectively.
    •1,000 (one thousand) Russian Federation 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 US dollar / Euro exchange rate of the Russian Federation 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 do 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 Transfer in Russian Federation Rubles, as well as in the Currency of the Product at the exchange rate of that currency to the Russian Federation Ruble increased by five percent, as determined by the Bank of Russia on the date of sending of Transfer Notification to the Merchant.
    6.2.7. At the conclusion of the Contract with the non-resident Merchant, the Currency of the Product and the Currency of the Operator's obligation to transfer the Transfer Amounts shall be indicated in the Application or the Contract.
    6.2.8. Operator’s monetary obligations shall be deemed fulfilled upon writing-off the amount due from a Operator’s correspondent account.
    6.3. The order of acceptance of services rendered by the Operator.
    6.3.1. The acceptance of the Services Rendered by the Operator is formed by the Certificate of Services Rendered in the form:
    • specified in Appendix No. 2.3 to these General Terms and Conditions for Resident Merchants and Non-Resident Merchants when performing settlements in accordance with sub-paragraphs 6.2.6. (a) and (c) of these General Terms and Conditions;
    • specified in Appendix No. 2.4 to these General Terms and Conditions for Non-Resident Merchants when performing settlements in accordance with sub-paragraph 6.2.6. (b) of these General Terms and Conditions.

    6.3.2. Within 5 (five) days after the end of the Reporting Month, the Operator shall send to the Merchant an Certificate of Services Rendered for the Reporting Month via e-mail to the address specified in the Application or the Contract. If the Merchant has a Merchant Profile, the Operator also places the Certificate of Services in the Merchant Account within 10 (ten) 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, he shall not later than on the 15th (fifteenth) day of the month following the Reporting month send such objections to the Operator via e-mail to the address shoppay@yamoney.ru. 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 Services Act 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 Operator receives the objections , The specified Act on rendered services. Objections to the updated Act on services rendered by the Merchant may be announced not later than the first Business Day following the day of its receipt, otherwise the specified Act on 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 subparagraphs 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 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 100 (one hundred) rubles per 1 document, including VAT.
    6.4. Payment Refund and Cancellation Order.
    6.4.1. The transfer of orders for the Payment Refund or Cancellation in real time is possible:
    • via MWS/API in the event of the implementation of the MWS/API Protocol by the Merchant;
    • via the Merchant Profile;
    • by other means agreed by the Parties.

    6.4.2. The Merchant who implemented MWS and notified the Operator via e-mail about its readiness to use it or using API as Information Exchange Protocol has the right to initiate a Refund or Cancellation of Payments that are carried out pursuant to the order of the Merchant executed in accordance with MWS/API and signed by an electronic signature in accordance with the Electronic Documents Flow Agreement.
    6.4.3. Refund or Cancellation via the Merchant Account is carried out in accordance with the functions of the Merchant Profile. Orders for Refund or Cancellation 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 Payment Refund shall not entail the Operator's obligation to refund to the Merchant the amount of remuneration received for notifying the Merchant of this Payment.
    The Merchant may send to the Operator several Refund orders on parts of the same Transfer Amount if their total amount does not exceed the amount of this Transfer.
    The Operator deducts the amount of money transferred to the Transfer Payers from the amount of Transfers to be transferred by the Operator to the Merchant. In the event that the amount of such Transfers is insufficient for the full withheld, the Merchant shall transfer to the Operator the rest of the amount within 3 (three) Business Days from the date of receipt of relevant Operator's request sent via e-mail or in hard copy.
    6.4.5. The Payment Cancellation is carried out on the basis of Merchant’s order sent to the Operator before the transfer of the relevant Transfer Amount to the Counterparty.
    When the Merchant forwards the order for the Cancellation of the Money Transfer by means of MWS, the Operator's Remuneration for canceled Money transfers is not detained. In this case, the canceled Money transfers are not considered to be committed by the Operator and are not included in the Register of Money Transfers and the Act of Services Rendered.
    In the event the Merchant forwards the order for the Cancellation of the Money transfer by means of API, the Operator's Remuneration for canceled Money transfers shall be detained on general terms, and the canceled Money transfers shall be included in the Register of Money transfers and the Act of services delivered.
    6.4.6. The Resident Merchant who has not implemented the MWS/API Protocol and does not have the Merchant Account and has not agreed with the Operator in any other method has the right to make a Payment Refund by transferring to the Operator a payment order of the Transfer Amount (or its part) to the Operator 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 the user No. [number assigned to the Payer by the Operator], excluding VAT’ in the ‘Payment Purpose’ field.
    Refund of the Transfer in accordance with this subparagraph shall not entail the Operator's obligation to return the amount of remuneration received for notifying the Merchant of this Transfer to the Merchant.
    6.4.7. In all other cases, if the payment refund is at the Merchant's initiative, such a refund is made by the Merchant without the Operator's participation.
    6.4.8. The possibility of the Payment Refund or the Payment Cancellation on the initiative of the Merchant depends on the Transfer method and is indicated in the Table of Payment Methods.
    6.4.9. The Operator is entitled to not perform the Money Transfer in favour of the Merchant and may deduct the amounts that were already transfered by the Operator from the amounts that should be transfered to the Merchant in the following cases:
    • the Transfer is a Fraudulent or Invalid Operation
    • the Client’s requests to the Operator of the refund of the Products cost (and of the delivery cost, if it is included in the Money Transfer) paid using the Wallet within the Buyer Protection Service.

    In a similar manner, the Operator has the right to withhold/require the transfer of any amounts of expenses incurred by in connection with the recognition of transactions as Fraudulent/Invalid.
    In a similar manner, the Operator has the right to withhold/require the transfer of any amounts of expenses incurred by in connection with the recognition of transactions as Fraudulent/Invalid.
    The Operator has the right to demand from the Merchant the refund of the amounts of Transfers recognized Fraudulent/Invalid during the term of the Contract, and within 180 days from the date of termination.
    The Operator has the right to demand from the Merchant the Money Transfer refund under the Buyer Protection Service within 90 (ninety) days from the date of the transaction.
    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 Money Transfer withheld by the Operator / transferred by the Merchant in accordance with the first paragraph of this sub-clause 6.4.9 shall be transferred by the Operator in favor of the Merchant.
    The Operator's remuneration on the Transfers returned to the Payers in accordance with this sub-clause 6.4.9 herein is charged by the Operator and shall not be returned to the Merchant.
    6.5. Special aspects of operations with Сards.
    6.5.1. Settlements for transactions made using the Cards in favor of the Merchants are carried out on the basis of contracts concluded by the Operator with the Acquirers and Merchants. The role of the Operator in such relationships is qualified as the role of facilitator/aggregator in the sense given to this term in the rules of the IPS.
    6.5.2. The Operator shall perform all actions necessary for the registration of the Merchant in the Acquirer’s information system for settlements using the Cards, if this Transfer method is approved for the Merchant in the Contract or the Application or connected in accordance with 6.1.5. of these General Terms and Conditions. The decision for registration acceptance or refusal is taken by the Acquirer. The Operator shall not be liable for any losses incurred by the Merchant related to the refusal of the Acquirer to register the Merchant and perform settlements for transactions using the Card in its favor.
    6.5.3. The Operator undertakes to provide information and technological interaction between the Merchant and the Acquirer in transactions using the Cards, including: receipt from the Merchant and transfer to the Acquirer of electronic messages with requests for the Authorization; receipt from the Acquirer and transmission to the Merchant of electronic messages with the results of the Authorization.
    6.5.4. Operator is obliged to make settlements with the Merchant for transactions performed using the Cards in the order established by paragraph 6.2. of these General Terms and Conditions.
    6.5.5. The Merchant shall provide documents and fulfill other requirements presented by the Operator on the basis of the relevant requests (requirements) of the Acquirers within 3 (three) days from the date of receipt of Operator's request.
    6.5.6. The Merchant independently determines the procedure for rejection of the Product (terms and conditions) subject to the following condition: the buyer has the right to refuse both from all or part of the Product paid using the Card.
    6.5.7. The Merchant independently determines the procedure (methods and terms) for the return of Product paid using the Cards to an individual, taking into account the following: the refund of the amount paid for the Product is carried out only on the Card which was used to pay for the Product. The buyer has the right to return all or part of the Product paid using the Card.
    6.5.8. The Merchant shall within 3 (three) days provide the Operator with information about the Product sold by the Merchant, description of the procedure for payment for the Product, procedures for the provision of the Product to individuals, as well as procedures for the refusal and return of the Product from the date of receipt of the relevant Operator’s requirement.
    6.5.9. If the Card holder or Issuer contests the transaction made using the Card, the Operator, on the basis of the relevant message from Acquirer, has the right to request, and the Merchant undertakes to provide information and documents confirming the Merchant's proper fulfillment of its obligations under the Contract, as well as the Merchant's proper performance of its obligations to the Payer, in the form and volume determined by the Operator within a period not later than 3 (three) Business Days from the receipt of the relevant request from the Operator.
    6.5.10. The Operator has the right to provide the Acquirer with information about the Merchant (including legal address, post address, telephone/fax numbers, e-mail addresses, website, bank details, etc.) in order to transmit this information to IPS to ensure security and prevent fraud when using Cards.
    6.5.11. If the Acquirer collects fines, commissions and other payments (in accordance with the rules of the IPS) related to Invalid/Fraudulent transactions, as well as in other cases when the fine/commission is imposed on the Operator as a result of circumstances for which the Operator is not responsible, the Merchant is obliged to reimburse the Operator the amount of fines/commissions paid by the Operator in the order established in sub-clause 6.4.9. of these General Terms and Conditions.
    6.6. Rights and obligations of the Parties when performing the Money Transfers for the Product at the expense of Tinkoff Bank credit funds
    6.6.1. If the Payer paid for the Product at the expense of Tinkoff Bank credit funds , the Operator guided by the Information Exchange Protocol sends to the Merchant a notice about the order of the Product. After receiving the order notification, the Merchant shall ensure the availability of the Product chosen by the Payer within 7 (seven) days from the date of receipt of the notification.
    6.6.2. The Operator sends to the Merchant a Money Transfer Notification or the order cancellation notice in accordance with the Information Exchange Protocol. In case of receiving the Money Transfer Notification, the Merchant shall transfer the Product specified in the order notification on the terms of the contract concluded with the Payer. When the Merchant receives the order cancellation notice, the Merchant's obligation specified in sub-paragraph 6.6.1. of the General Terms and Conditions is terminated.
    6.6.3. Refund of the amount paid for the Product bought from the loan funds of Tinkoff Bank for any reason provided for by law or by agreement between the Payer and the Merchant shall be performed by the Merchant through the Operator initiating the Transfer Refund or Cancellation.
    6.6.4. The Merchant shall provide the Operator with documents confirming the transfer of the Product purchased at the expense of credit funds of Tinkoff Bank to the Payer no later than the first Business Day from the date of receipt of the corresponding Operator request.
    6.6.5. The Merchant shall post on its website the information about the possibility of purchasing the Product at the expense of Tinkoff Bank funds pursuant to the requirements specified on the website https://www.kupivkredit.ru/requirement.

    7. PROVIDER. RIGHTS AND OBLIGATIONS OF THE PARTIES

    7.1. The Operator undertakes to provide information 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 of Transfers;
    • the existence and legitimacy of contractual relations with the Recipients of Money Transfers.
    7.4. The provisions of Section 6 of these General Terms and Conditions shall apply to the relations of the Operator and the Provider, unless otherwise provided by this Section 7 herein.

    8. AGENT. RIGHTS AND OBLIGATIONS 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 cannot conclude any transactions on the behalf of the Operator.
    8.1.3. The services provided by the Agent can include the following:
    (a) Placing of information on the services of Yandex.Checkout on the information resources specified in the Contract during the whole term of the Contract,
    (b) Placing of Request or link to it for Merchants wishing to conclude a Contract with the Operator on the information resources specified in the Contract during the whole term of the Contract;
    (c) Placing of the information about the estimated price of the services provided by the Operator to the Merchants on the information resources specified in the Contract.
    The information about the estimated price of services and the Application form is sent to the Agent by the Operator via e-mail to the address specified in the Contract.
    (d) Collection and sending of duly filled Requests to the Operator.
    8.1.4. In the event of unsuccessful filling out of the Requests by the Merchant, the Agent shall inform the Merchant about the relevant fact indicating of errors made during forming or processing the Requests.
    8.1.5. In case of successful reception of a properly completed Merchant’s Request , the Agent shall send the information contained therein to the Operator in real time by sending a message to the Operator’s e-mail address: merchants@yamoney.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 has sent the Request to the Operator with the Agent’s assistant 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 on the basis of the Request sent by the Agent, and terminates one year after the date of the first Money Transfer in favor of the Merchant attracted by the Agent.
    8.1.9. If the Operator changes the Request form and/or the cost of the Operator's services, the Agent shall make appropriate changes to the information posted on its resources not later than the day following the day of receipt of the message from the Operator.
    8.1.10. Non-Resident Agent undertakes to provide the Operator with a letter on the presence or absence of an 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 Yandex.Checkout service functions or the creation of competitive advantages for other services, similar to the Yandex.Checkout service.
    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 5 (five) Business Days from the date of receipt of the Agent's Report for the Reporting Period by the Operator in the order established by paragraph 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 Information and Technological Interaction in the process of the 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 loses the right to receive remuneration for the engagement of the Merchant after 12 months from the date of the first Money Transfer in favor of the Merchant attracted by the Agent.
    8.2.8. Operator’s monetary obligations shall be deemed fulfilled upon writing-off the amount due from a Operator’s correspondent account.
    8.3. Agent Report Approval Order
    8.3.1. Not later than the 5th (fifth) day of the month following the Reporting Month, the Operator shall forward the draft of the Agent's Report for the Reporting Month in the form of Appendix No. 2.5 to these General Terms and Conditions to the Agent’s e-mail address specified in the Contract.
    8.3.2. Within 5 (five) days from the date of Report reception, the Agent is obliged to approve it and send it to the Operator to shoppay@yamoney.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 3 (three) 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 3 (three) 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 3 (three) 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 Certificate of Services Rendered together with the 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 subparagraphs 8.3.1 to 8.3.4 of the Regulations. Exchange of Reports in hard copy is not required in this case.

    9. VERIFICATION OF DATA ON MONEY TRANSFERS , DEPOSITS AND ACCEPTED CASH IN THE SERVICE YANDEX.MONEY

    9.1. Verification of data on the cash received by the Payment Agent, Money Transfers and Deposits in the Yandex.Money Service is carried out daily.
    9.2. The Operator shall every day send:
    9.2.1. to Payment Agent - 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.
    9.2.2. to Bank - 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.
    9.2.3. To Sender - 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 clause 5.2.5. of the General Terms and Conditions on the day of their commission are not included in the Deposit Register.
    9.2.4. To Sender who does not use the "Deposit Agent" application - 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.
    9.2.5. To Merchant (Provider) - the Register of Money Transfers notified by the Information Exchange Protocol Operator for the Reporting Day, until 11 hours 59 minutes and 59 seconds Moscow time of the calendar day following the Reporting Day.
    9.2.6. To the Merchant (Provider) who implemented the MWS Protocol and used the Merchant Account or other method agreed by the Parties for the Refunds - the Register of Transfers returned by the Operator for the Reporting Day, until 11 hours 59 minutes 59 seconds of the Moscow time of the calendar day following the Reporting Day.
    To the Merchant (Provider) who implemented API as Information Exchange Protocol and used the Merchant Account or other method agreed upon by the Parties for the Refunds - the Register of Transfers returned by the Operator for the Reporting Day, until 11 hours 59 minutes 59 seconds of the Moscow time of the calendar day following the Reporting Day.
    9.3. The Registers are sent to the e-mail of the Counterparty specified in the Application or the Contract or to the Counterparty's Merchant Account and signed by the Operator's electronic signature in the manner prescribed by the Electronic Document Flow Agreement.
    9.4. The Registers forms are located on the Internet at the following addresses:
    For Merchants (Providers) using the HTTP protocol — https://tech.yandex.ru/money/doc/payment-solution/payment-registers/payment-registers-about-docpage/
    For Merchants (Providers) using the API — https://kassa.yandex.ru/docs/checkout-api
    For Payment Agents, Banks — https://tech.yandex.ru/money/doc/payment-solution/deposition/registers-docpage/
    For Senders — https://tech.yandex.ru/money/doc/payment-solution/payout/registers-docpage/.
    9.5. 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
    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.
    9.6. 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 paragraph 9.5 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.

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

    10.1. Operator’s trademarks
    The Counterparty has the right to use the Operator's trademarks in the order established by this section 10 of these General Terms and Conditions: https://money.yandex.ru/doc.xml?id=522991
    10.2. The use of the trademarks specified in clause 10.1 of the General Terms and Conditions is only allowed when executing of the Contract in accordance with the following conditions:
    10.2.1. ТTrademarks 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://money.yandex.ru.
    10.2.2. 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, 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.
    10.2.3. If the Counterparty is a mediator offering Operator’s services to a third party together with other means of payment through the Payment Forms Constructor, the Counterparty agrees the mechanism of the payment form operation on the third party’s website and its design with the Operator.
    10.2.4. The Counterparty guarantees that the technical solution opening the Operator payment form used by the Counterparty on its website or a third party site through the Counterparty Payment Form Constructor works correctly with all popular Internet browsers, including Microsoft Internet Explorer 8.0 and newer, Mozilla Firefox version 3.0 and newer, Google Chrome, Opera version 10 and newer, Opera Mini and Safari version 4 and newer.
    10.2.5. Opening the Operator’s payment form through a link placed on the Counterparty's website or the Contractor's form constructor on a third party website should not be blocked by the Internet browser because of incompatibility with the user privacy settings or technical features on the Contractor's side or on the third party site using the Counterparty form constructor.
    10.2.6. 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.
    10.2.7. Counterparty can not express payment forms on its website of the third party website, affecting the 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.
    10.2.8. The Counterparty must first agree visualization of the payment process with the Operator.
    10.2.9. The Counterparty has no right to provide any advantages for any other payment solutions in visualizing the payment process.
    10.2.10. 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.
    10.3. The Counterparty is obliged to place Operator's trademarks in the event of receipt of the relevant Operator requirement on its website.
    10.4. The Counterparty shall remove trademarks, as well as any other information about the Operator, not later than 1 (one) day from the date of receipt of the relevant Operator’s request from its website and other information resources.
    10.5. Counterparty Trademarks
    The Operator has the right to place the Trademarks of the Counterparty or third parties, as well as other means of individualizing of the Counterparty (third parties) provided by the Counterparty in accordance with paragraph 10.6. of Rules.
    10.6. The Counterparty is obliged no later than 5 (five) Business days from signing of Contract to send to the Operator via e-mail at ecommerce@yamoney.ru the image of the trademark or other means of individualization of Product for their placement by the Operator in accordance with this Section 10 of these General Terms and Conditions. Requirements for the trademark: .gif format, the size of 88 * 31 pixels, not animated. In the case of providing means of individualization of third parties, the Counterparty shall have the duly written consent of such party for such placement.
    10.7. 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;
    10.8. The Counterparty's website must comply with the following requirements, so that information about it can be posted on the Operator's Website:
    10.8.1. The website should contain a description of Counterparty services, conditions, procedure, terms, delivery regions for goods (services, works), terms and procedure for the return of funds, full company name, TIN, legal and actual addresses, telephone number and e-mail address of the Counterparty;
    10.8.2. All pages that related to the implementation of the Goods 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 site;
    10.8.3. The site must be maintained in working state. All internal links of the site must work and be adequately processed;
    10.8.4. The site 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 sites containing such information.
    Such information includes, for example: propaganda in any form of violence, drugs, terrorism, ethnic hatred, prostitution, etc.
    10.9. 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.

    11. ACCEPTANCE OF FOUNDS BY THE COUNTERPARTIES

    11.1. 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 Yandex.Money 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 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.
    11.2. If the Payment Agents or the Banks use of ATMs, payment kiosks and Online banking when accepting founds or making the Money transfers, specified entities must ensure compliance with the following requirements for their interfaces:
    11.2.1. Payment kiosks, 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 Yandex.Money or payment code’.
    11.2.2. Payment kiosks, ATMs and Online banking without graphic elements
    The link/button ‘Payments to Yandex’ 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 Yandex.Money’. 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 Yandex.Money or the payment code’.
    11.2.3. Adding Money in Retail Outlets and Cash Registers
    The payment mean input field must contain comment: ‘Enter the account number (or phone number) in Yandex.Money or the payment code’.
    11.3. Receipts issued to the Payers at payment kiosks/ATMs and cashiers, as well as the success page of the Money Transfer in Online banking, should contain information about the Money transfer Recipient.

    12. RESPONSIBILITY OF THE PARTIES AND SETTLEMENT OF DISPUTES

    12.1. The Parties are responsible for non-fulfillment or improper fulfillment of their obligations under the Contract in accordance with the legislation.
    12.2. For failure to fulfill of any of the obligations provided for in subparagraph 3.1.4. of the General Terms and Conditions, the Payment Agent shall pay the Operator a fine of 5,000 (five thousand) rubles for each case identified.
    12.3. 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 5,000 (five thousand) rubles for each case identified.
    12.4. For failure to fulfill the obligation provided for in subparagraph 3.5.6. 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.
    12.5. For failure to fulfill the obligation provided for in subparagraph 3.2.8. of the General Terms and Conditions, the Payment Agent shall pay the Operator a fine of 10,000 (ten thousand) rubles for each case identified.
    12.6. For failure to fulfill the obligation provided for in subparagraph 3.3.2. Of these General Terms and Conditions, the Payment Agent shall pay the Operator a fine of 20,000 (twenty thousand) rubles for each case identified.
    12.7. For failure to fulfill the obligation, provided for in the first paragraph of subparagraph 3.3.6. of the General Terms and Conditions , the Payment Agent shall pay the Operator a fine of 50,000 (fifty thousand) rubles for each case identified.
    For failure to fulfill the obligation stipulated by the second paragraph of subparagraph 3.3.6. of the General Terms and Conditions, the the Payment Agent shall pay to the Operator a fine in the amount equal to the total amount of all operations performed by the relevant subagent after the expiration of the period for the cancellation of the Payment Agent provided for by the specified paragraph.
    12.8. In case of delay in the performance of its obligation under paragraph 4.2.4. of the General Terms and Conditions, the Bank shall pay a fine of 0.3% (zero point three percent) of the amount due for each day of delay at the written request of the Operator.
    12.9. 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 10,000 (ten thousand) rubles for each case identified upon written request the Operator.
    In case Bank violation of the terms of clause 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 10,000 (ten thousand) rubles for each case identified.
    12.10. 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, etc. 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.
    12.11. The Operator shall not be responsible for the Merchant’s, Provider’s, Bank’s, or Sender’s performance of their obligations to the Payers or the Clients.
    12.12. 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 10 (ten) Working 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 sub-clause, 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.
    12.13. 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).
    12.14. If the court decision to collect from the Operator in favor of third party funds on the grounds of unauthorized (without the written consent of the third party, provided for in sub-clause 10.6. of the General Terms and Conditions) 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 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 10 (ten) Working 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 sub-clause, 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.
    12.15. In the event of disputes between the Operator and the Merchant, the Provider or the Sender 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 Accoun in violation of the Contract, the claimant shall prove its position.
    12.16. In the event of an occurrence of disputes between the Operator and the Merchant, the Provider or the Sender about the legality of the Merchant Account 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 and make its decision. The Counterparty has the right to challenge this decision in court.
    12.17. In the event of recovery of funds from the Operator by a third party due to the selling of Product by the Merchant in violation of the requirements of the legislation of the Russian Federation, 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 paragraph 6.1.6. of the General Terms and Conditions, the Merchant shall reimburse the Operator the amount of the money collected from it within 3 (three) Business Days from the date of receipt of the relevant Operator requirement.
    12.18. The Agent undertakes to pay the Operator a penalty for violating the obligation specified in clause 8.1.11 of the General Terms and Conditions, in the amount of 1,000 (one thousand) rubles for each day from the time of detection until the complete elimination of the violation.
    12.19. The duty to pay a penalty provided for in this Section 12 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 5 (five) 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.
    12.20. Any disputes and disagreements between the Parties under the Contract or in connection with it shall be shall be settled by Arbitration Court of Moscow or by Arbitration Court of Saint Petersburg and Leningrad Oblast at the option of the plaintiff with the application of the material and procedural law of the Russian Federation.
    12.20. 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 sub-clause above will come into effect the Party that fails its obligations or would be unable to meet its obligations, shall notify other Party within 3 (three) 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 3 (three) calendar days a notification specified in sub-clause above, this Party will loose 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 this Contract.
    Given these circumstances, the Parties shall be entitled to cease the Contact subject to the terms and conditions set forth in clause 14.2 of the Contract.

    13. PRIVACY

    13.1. The fact of conclusion of the Contract is not considered by the Parties as confidential information.
    13.2. The Parties undertake not to disclose the information:
    • on the terms of the Contract,
    • on the number and amount of Transfers, Deposits or accepted cash funds under the Contract,
    • on statistical data based on the comparison of the amounts of 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.

    14. VALIDITY TERM, AMENDMENTS AND TERMINATION OF THE CONTRACT

    14.1. The Сontract is concluded for an indefinite period.
    14.2. 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 30 (thirty) calendar days before the proposed date of termination.
    For the Contracts concluded in accordance with paragraph 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 Account or to/from any of the e-mail addresses of the Parties specified in the Application/Contract.
    14.3. 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 14.2. The Operator has the right to suspend the execution of the Contract in accordance with clause 2.11. of the General Terms and Conditions.
    14.4. If the Payment Agent fails to comply with the requirements of Article 14 of the 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.
    14.5. The Operator has the right to unilaterally amend any conditions of the General Terms and Conditions and Contract concluded between the Operator and the Counterparty, as well as to change the amount of the Counterparty’s /Operator'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. Conclusion of an additional agreement to the Contract between the Parties when its terms and conditions are changed in accordance with this paragraph 14.5 is not required.
    14.6. If the terms of the Contract are changed in the manner prescribed in paragraph 14.5. 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 in hard copy within 3 (three) Business Days from posting changes on the Operator website.
    14.7. 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 terms of the Contract (the Application).

    15. Other Conditions

    15.1. All listed appendixes to this General Terms and Conditions are posted on the Operator’s Site and are integral part of the Contract:
    Appendix No. 1. Electronic Document Flow Agreement
    Appendix No. 2.1 The form of the certificate of services rendered (for the Banks)
    Appendix No.2.2 The form of the certificate of services rendered (for the Senders)
    Appendix No.2.3 The form of the certificate of services rendered (for Merchants and Providers)
    Appendix No.2.4 The form of the certificate of services rendered (for Merchants and Providers)
    Appendix No.2.5 The form of the Agent report
    Appendix No.2.6 The form of the Payment agent report
    Appendix No. 3 The form of the list of locations of transactions
    Appendix No. 4 The list of the Counterparty’s documents
    Appendix No.5 The table of payment methods
    Appendix No.6 The Form of Contract on engaging the Payment Agent
    Appendix No. 7.1 The Form of Contract with Resident Bank
    Appendix No. 7.2 The Form of Contract with Non-Resident Bank
    Appendix No. 8.1 The Form of Contract with Resident Sender
    Appendix No.8.2 The Form of Contract with Non-Resident Sender
    Appendix No.8.3 The Form of the Application for Resident Senders who are Individual Entrepreneurs
    Appendix No.8.4 The Form of the Application for Resident Senders who are Legal Entities
    Appendix No.8.5 The Form of the Application for Non-Resident Senders who are Legal Entities
    Appendix No.8.6 The Form of the Application for Non-Resident Senders who are Individual Entrepreneurs
    Appendix No.9.1 The Form of Contract for Resident Merchants
    Appendix No.9.2. The Form of Contract for Non-Resident Merchants
    Appendix No.9.3 The Form of the Application for Resident Merchants who are Individual Entrepreneurs
    Appendix No.9.4 The Form of the Application for Resident Merchants who are Legal Entities
    Appendix No.9.5 The Form of the Application for Non-Resident Merchants who are Legal Entities
    Appendix No.9.6 The Form of the Application for Non-Resident Merchants who are Individual Entrepreneurs
    Appendix No.10.1 The Form of Contract for Resident Providers
    Appendix No.10.2 Form of Contract for Non-Resident Providers
    Appendix No.11.1 The Form of Contract for Resident Agents
    Appendix No.11.2 The Form of Contract with Non-Resident Agents
    15.2. None of the Parties has the right to assign its rights and obligations under the Contract to third parties without the written consent of the other party.
    15.3. 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.
    15.4. The e-mail addresses specified in these General Terms and Conditions, Application or the Contract will be used for the information interaction of the Parties in the execution of the Contract.
    All electronic messages sent from the Counterparty's e-mail addresses indicated in the Contract or the Application are considered originating from the authorized person of the Counterparty.
    The Operator may send messages to any of the Contractor's e-mail addresses contained in the Contract or the Application (regardless of the specified purpose of using the e-mail 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 information interaction, the Operator shall acknowledge as a proper notice the sending by the Counterparty of an electronic message from the e-mail addresses specified in the Contract or the Application.
    15.5. The Counterparty is obliged to notify the Operator in hard copy 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 information interaction in accordance with paragraph 15.4. of the General Terms and Conditions.
    The Merchant having the Merchant Account has the right to change the e-mail addresses used for information interaction by posting relevant information in the Merchant Profile.
    15.6. Contact information of the Operator:
    Physical Address119021, Russia, Moscow, 11 Timura Frunze st., build. 44
    Address for Correspondence119021, Russia, Moscow, 11 Timura Frunze st., build. 44
    119021, Russia, Moscow, POB 57
    Phone number+7 (495) 739-23-25
    Fax+7 (495) 739-22-11

    E-mail addresses
    For Merchants and ProvidersFor Register Approval issues: shoppay@yamoney.ru
    For technical issues: yamoney_shop@yamoney.ru
    For other issues related to the conclusion, execution and amendments of the Contract: ecommerce@yamoney.ru
    For SendersFor sending the Applications: merchants@money.yandex.ru
    Concerning approving the Certificates on Services Rendered: daygate@yamoney.ru
    Concerning financial matters: finance.moscow@yamoney.ru
    Concerning technical matters: gateway@yamoney.ru
    Concerning any other matter connected with the Contract execution: merchants@money.yandex.ru
    For BanksFor Registers and Certificates of Services Rendered Approval: daygate@yamoney.ru
    For Payment Refund: otmena-banks@money.yandex.ru
    For financial issues: finance.moscow@yamoney.ru
    For technical issues: gateway@yamoney.ru
    For other issues related to the execution of the Contract: infobanks@yamoney.ru
    For Payment AgentsFor Register Approval issues: daygate@yamoney.ru
    For Payment Refund: otmena-banks@money.yandex.ru
    For financial issues and Agent Report Approval: finance.moscow@yamoney.ru
    For technical issues: gateway@yamoney.ru
    For other issues related to the execution of the Contract: infobanks@yamoney.ru
    For AgentsFor sending Requests: merchants@money.yandex.ru
    Concerning approving the Agent's Reports: shoppay@yamoney.ru
    15.7. 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 (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, the address of which is specified in the Contract or in other ways accessible to the Operator.
    The obligations shall be terminated in accordance with the procedure established by this paragraph 15.7 on the day on which the Operator sends to the Counterparty a statement of settlement in electronic form or on paper.
    15.8. 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 information 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 Site.
    15.9. 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 information 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 Site.
     
    Date of publication: 21 November 2017