Terms of use
1. General Provisions
1.1. LLC “INFTECHNOLOGIESLIMITED” (hereinafter referred to as “INFTECHNOLOGIESLIMITED”) offers the Internet user (hereinafter referred to as the “User”) to use its services on the terms set forth in this User Agreement (hereinafter referred to as the “Agreement”, “PS”). The Agreement comes into force from the moment the User expresses consent to its terms in the manner provided for in clause 1.4 of the Agreement.
1.2. INFTECHNOLOGIESLIMITED offers Users access to a wide range of services, including tools for selecting insurance, banking, educational products and products of microfinance organizations (hereinafter referred to as the “Services”).
1.3. The use of the Services is governed by this Agreement, as well as the Privacy Policy. The Agreement may be changed by INFTECHNOLOGIESLIMITED without any special notice, the new version of the Agreement comes into force from the moment it is posted on the Internet, unless otherwise provided by the new version of the Agreement.
1.4. Starting to use the INFTECHNOLOGIESLIMITED Services, individual functions, or having passed the registration procedure, the User is considered to have accepted the terms of the Agreement in full, without any reservations or exceptions. If the User disagrees with any of the provisions of the Agreement, the User is not entitled to use the Services. In the event that INFTECHNOLOGIESLIMITED has made any changes to the Agreement in the manner provided for in paragraph 1.3 of the Agreement, with which the User does not agree, he is obliged to stop using the Services of INFTECHNOLOGIESLIMITED.
2. User registration. User Account
2.1. In order to use some INFTECHNOLOGIESLIMITED Services or some of its individual functions, the User must go through the registration procedure, as a result of which a unique account will be created for the User.
2.2. To register, the User undertakes to provide accurate and complete information about himself on the questions proposed in the registration form, and to keep this information up to date. To use certain Services, it may be necessary to provide information about the legal entity in whose interests the User uses the Service, in which case the User undertakes to provide accurate and complete information about such a person and guarantees that he received this information legally and has all the necessary rights and powers for its use. If the User provides incorrect information or INFTECHNOLOGIESLIMITED has reason to believe that the information provided by the User is incomplete or unreliable, INFTECHNOLOGIESLIMITED has the right, at its own discretion, to block or delete the User's account and refuse the User to use its Services (or their individual functions).
3. General provisions for use and storage
3.1. INFTECHNOLOGIESLIMITED has the right to establish restrictions on the use of services for all Users, or for certain categories of Users, including: the presence / absence of certain functions.
3.2. INFTECHNOLOGIESLIMITED has the right to send informational messages to its users. The user is also in accordance with Part 1 of Art. 18 of the Federal Law "On Advertising" gives its consent to receive advertising messages. The user has the right to refuse to receive advertising messages by sending an appeal to INFTECHNOLOGIESLIMITED in his personal account.
3.3. In order to improve the quality of the Services, INFTECHNOLOGIESLIMITED has the right to collect opinions and feedback from Users on various issues by sending an information message the next time the User visits the Service or by communicating using the contact information specified by the User in the account (via phone calls or emails). The collected opinions and reviews can be used to generate statistical data that can be used in the INFTECHNOLOGIESLIMITED services.
3.4. INFTECHNOLOGIESLIMITED reserves the right at any time to require the User to confirm the data specified during registration in the User's account and containing information about the User, as well as other information related to the use of INFTECHNOLOGIESLIMITED services, available to the User after authorization using the User's account on the Services ( its affiliates).
3.5 If the User's data specified in the documents provided by him do not correspond to the data specified during registration, and also in the event that the data specified during registration does not allow identifying the User, INFTECHNOLOGIESLIMITED has the right to refuse the User access to the account and use of the Services .
3.6. The User undertakes to ensure the safety and confidentiality of his credentials, to ensure that third parties cannot access devices on which credentials are stored and used for authorization by default;
3.7. The User undertakes to immediately notify INFTECHNOLOGIESLIMITED of any case of unauthorized (not authorized by the User) access to the User's authorized area by contacting the Customer Support Service.
3.8. The User is responsible for all actions (as well as their consequences) when using the Service, including cases when the User transfers data to access the Service to third parties. At the same time, all actions when using the Service, performed using the User's credentials, are considered to be performed by the User himself.
4. Terms of use of INFTECHNOLOGIESLIMITED Services
4.1. The User is solely responsible to third parties for their actions related to the use of the Service, including if such actions lead to a violation of the rights and legitimate interests of third parties, as well as for compliance with the law when using the Service.
4.2. When using the Services, the User may not:
4.2.1. upload, send, transmit or in any other way post and / or distribute content that is illegal, harmful, libelous, offends morality, demonstrates (or is propaganda) violence and cruelty, is recognized as extremist on the basis of decisions and acts adopted by the state authorities of the Russian Federation , violates intellectual property rights, promotes hatred and / or discrimination of people on racial, ethnic, gender, religious, social grounds, contains insults against any persons or organizations, contains elements (or is propaganda) of pornography, child erotica, is advertising (or is propaganda) of sexual services (including under the guise of other services), explains the procedure for the manufacture, use or other use of narcotic substances or their analogues, explosives or other weapons;
4.2.2. impersonate another person or representative of an organization and / or community without sufficient rights, including INFTECHNOLOGIESLIMITED employees, forum moderators, site owner, and also use any other forms and methods of illegal representation of other persons on the network, as well as mislead users or INFTECHNOLOGIESLIMITED regarding the properties and characteristics of any subjects or objects;
4.3. The User acknowledges and agrees that INFTECHNOLOGIESLIMITED is not obliged to view content of any kind posted and / or distributed by the User through the Services, and that INFTECHNOLOGIESLIMITED has the right (but not the obligation) at its own discretion to refuse to place and / or distribute the User content or remove any content that is available through the Services. The user acknowledges and agrees that he must independently evaluate all risks associated with the use of content, including an assessment of the reliability, completeness or usefulness of this content.
4.4. The User acknowledges and agrees that the technology of the Services may require copying (reproducing) the content of the Service User, as well as processing it to comply with the technical requirements of the Service.
5. Exclusive rights to the content of the Services and content
5.1. All objects available through the INFTECHNOLOGIESLIMITED Services, including design elements, text, graphics, illustrations, videos, computer programs, databases, music, sounds and other objects (hereinafter referred to as the content of the services), as well as any content posted on the Services are subject to the exclusive rights of INFTECHNOLOGIESLIMITED, Users and other copyright holders.
5.2. The use of content, as well as any other elements of the Services, is possible only within the framework of the functionality offered by a particular Service. No elements of the content of the Services, as well as any content posted on the Services, may be used in any other way without the prior permission of the copyright holder. By use is meant, including: reproduction, copying, processing, distribution on any basis, display in a frame, etc. The exception is cases expressly provided for by the legislation of the Russian Federation or the terms of use of a particular Service. The use by the User of the elements of the content of the Services, as well as any content for personal non-commercial use, is allowed provided that all signs of copyright protection, related rights, trademarks, other notices of authorship are preserved, the name (or pseudonym) of the author / title of the right holder is preserved unchanged, keeping the corresponding object unchanged.
5.3 By posting a review or comment on the resources of the Service, the User automatically, free of charge, unconditionally and irrevocably grants INFTECHNOLOGIESLIMITED a non-exclusive right to use such reviews and comments throughout the world for an unlimited period at the discretion of INFTECHNOLOGIESLIMITED, including, but not limited to, reproduction, copying, selection, systematization, transformation, modification, editing, translation, publication, distribution, broadcasting, cable communication, bringing such information to the public (in part or in full) by any legal means.
5.4. The user confirms that he has the appropriate rights and authority to grant INFTECHNOLOGIESLIMITED the above non-exclusive right to use the posted information. Under such circumstances, INFTECHNOLOGIESLIMITED has the right to use the appropriate comment or review, both with the name of the author of such information, and without the name of the author (the name (pseudonym) of the User, which he indicated when registering on the Site or in the profile settings or the User's login). The Site Administration has the right to transfer the rights specified in this paragraph to its partners.
Deletion or blocking of an account by the User himself or by the Administrator does not mean the termination of the exclusive license granted by the User to the Administrator.
6. Sites and content of third parties
6.1. The Services may contain links to other sites on the Internet (third party sites). These third parties and their content are not checked by INFTECHNOLOGIESLIMITED for compliance with certain requirements (authenticity, completeness, legality, etc.). INFTECHNOLOGIESLIMITED is not responsible for any information, materials posted on third party websites that the User accesses using the services, including any opinions or statements expressed on third party websites, advertising, etc., as well as for the availability of such sites or content and the consequences of their use by the User.
6.2. A link (in any form) to any site, product, service, any information of a commercial or non-commercial nature posted on the Site does not constitute an endorsement or recommendation of these products (services, activities) by INFTECHNOLOGIESLIMITED.
6.3. The legislation of the Russian Federation prohibits the distribution of extremist materials, as well as their production or storage for the purpose of distribution. The Service prohibits the publication of links and symbols relating to organizations recognized as extremist on the basis of decisions and acts of state authorities.
7. Advertising on INFTECHNOLOGIESLIMITED services
7.1. INFTECHNOLOGIESLIMITED is not responsible for advertising placed by it on the Services, within the limits established by the legislation of the Russian Federation.
8. No Warranty, Limitation of Liability
8.1. The User uses the Services at his own risk. Services are provided "as is". INFTECHNOLOGIESLIMITED does not assume any responsibility, including for the compliance of the services with the User's goals;
8.2. INFTECHNOLOGIESLIMITED does not guarantee that: The Services meet/will meet the User's requirements; services will be provided continuously, quickly, reliably and without errors; the results that may be obtained using the services will be accurate and reliable and may be used for any purpose or in any capacity (for example, to establish and / or confirm any facts); the quality of any product, service, information, etc. obtained using the services will meet the User's expectations;
8.3. INFTECHNOLOGIESLIMITED is not responsible for any types of losses that occurred as a result of the User's use of the Services or its individual parts/functions;
8.4. Under any circumstances, the responsibility of INFTECHNOLOGIESLIMITED in accordance with Article 15 of the Civil Code of Russia is limited to 10,000 (ten thousand) rubles of the Russian Federation and is assigned to him if there is guilt in his actions.
9. Agreement on the use of a simple electronic signature (SES)
9.1. By accepting the terms of this User Agreement, the User enters into an agreement on the use of simple electronic signature services in INFTECHNOLOGIESLIMITED information systems. The Agreement is considered concluded in the manner provided for in Section One of the User Agreement.
9.2. A simple electronic signature is used by the User, including when providing consent to the processing of personal data, when sending an application for the selection of insurance, financial services or services by microfinance organizations, performing other legally significant actions using the functionality of the INFTECHNOLOGIESLIMITED platform.
9.3. For the purposes of forming the PES, the User's mobile phone number and the confirmation generated by INFTECHNOLOGIESLIMITED are used.
9.4. The user requests a confirmation code by pressing the corresponding electronic button located in the interface of the site - the INFTECHNOLOGIESLIMITED platform. The confirmation code as a PES key is sent by INFTECHNOLOGIESLIMITED to the User's mobile phone number.
9.5. After receiving the confirmation code to the mobile phone number, the User must enter this confirmation code in a special field located in the interface of the INFTECHNOLOGIESLIMITED website.
9.6. Entering the confirmation code received on the mobile phone number is recognized by the parties as signing the ED by the user through the PES.
9.7. A correct PES is a simple electronic signature of the User in accordance with the Federal Law of April 6, 2011 No. 63-FZ "On Electronic Signature" and is an analogue of the User's handwritten signature.
10. Other provisions
10.1. This Agreement is an agreement between the User and INFTECHNOLOGIESLIMITED regarding the procedure for using the Services and replaces all previous agreements between the User and INFTECHNOLOGIESLIMITED.
10.2. This Agreement is governed by and construed in accordance with the laws of the Russian Federation. Issues not regulated by this Agreement shall be resolved in accordance with the legislation of the Russian Federation. All possible disputes arising from relations governed by this Agreement shall be resolved in accordance with the procedure established by the current legislation of the Russian Federation, according to the norms of Russian law.
10.3. Services under this Agreement are provided free of charge, the rules on consumer protection provided for by the legislation of the Russian Federation cannot be applicable to the relationship between the User and INFTECHNOLOGIESLIMITED.
10.4. Nothing in the Agreement can be understood as the establishment between the User and INFTECHNOLOGIESLIMITED of agency relations, partnership relations, relations on joint activities, personal employment relations, or any other relations not expressly provided for in the Agreement.
10.5. If, for one reason or another, one or more provisions of this Agreement are found to be invalid or unenforceable, this does not affect the validity or applicability of the remaining provisions of the Agreement.
10.6. Inaction on the part of INFTECHNOLOGIESLIMITED in case of violation by the User or other users of the provisions of the Agreements does not deprive INFTECHNOLOGIESLIMITED of the right to take appropriate actions to protect its interests later, and does not mean that INFTECHNOLOGIESLIMITED waives its rights in the event of subsequent similar or similar violations.

The administration of the INFTECHNOLOGIESLIMITED site respects the rights of our visitors. We fully recognize the importance of the privacy of personal information of visitors to our site. This page contains information about what information we receive and collect when you use our site. We hope this information will help you make informed decisions about the personal information you provide. The actual "Privacy Policy" applies only to the INFTECHNOLOGIESLIMITED site and to the information you enter on our site. It does not apply to any other sites and cannot be applied to third party sites that link to our site.

Collection of information

When you visit our site, we determine your ISP's domain name, country, and selected page-to-page transitions (so-called "traffic activity"). Information received by us on the site can be used to improve and facilitate the use of our site.
Our site collects only personal information that you provide exclusively voluntarily when visiting or registering on the site. The term "personal information" includes information that identifies you as a specific individual, such as your name or email address. Viewing the content of our site is possible without going through the registration procedure. Our site uses the "cookies" technology to create statistical reports. A "cookie" is a small text file sent from the site and stored by your computer's browser on your computer's hard drive. "Cookies" contain information that may be necessary for the site. This includes saving your browsing preferences and collecting statistical data. This is information about which pages you visited, what was downloaded, the domain name of the Internet provider and the country of the visitor, as well as the addresses of third-party sites from which the transition to our site was made, and so on. However, all this information is in no way related to you as a person. "Cookies" do not record your e-mail address or other personal information. The same principle is followed by third-party counters installed on our website. In addition to the above, we use standard web server logs to count the number of visitors and evaluate the technical capabilities of our site. We use this information to determine how many people visit the site and organize it in the most user-friendly way, as well as to ensure that the site is as compatible as possible with the browsers used and provide the most useful content to the visitor. We record information about movements on our site, but not about individual visitors to the site, so no personal information will be stored or used by the site administration without your consent. To view site materials without "cookies", you can configure your browser in such a way that it did not accept "cookies" or inform you about their packages. The corresponding settings differ for different browsers, so we recommend that you find out how to change your browser's cookie settings. You have the right to unsubscribe from email and/or phone calls at any time by sending a message to info@prog.academy. Please include your email address in the message. You also have the right to request the deletion of your personal information from our database at any time by sending a message to info@prog.academy and specifying your email address in the message.

Disclaimer

Remember that the transmission of personal information when visiting third-party sites, including the sites of partner companies, even if the website contains a link to our site or, in turn, our site has a link to these websites, is not subject to actions of this document. The site administration is not responsible for the actions of other websites. The process of collecting and transferring personal information when visiting these sites is regulated by the document "Protection of personal information" or another similar document located on the sites of these companies.