Subordinated bonds
AGREEMENT OFFER FOR THE PROVISION OF INFORMATION SERVICES 1. GENERAL PROVISIONS 1.1. The “Fin-plan.org” project, represented by the individual entrepreneur Vitaly Vladimirovich Koshin, OGRNIP 31658350005774, INN 583708408904 (hereinafter referred to as the Contractor), with this public offer invites any individual or legal entity, as well as an individual entrepreneur (hereinafter referred to as the Customer), to conclude an Offer Agreement (hereinafter referred to as the Offer ) for the provision of information services for online training.
1.2. in accordance with paragraph 2 of Article 437 of the Civil Code of the Russian Federation (Civil Code of the Russian Federation), in case of acceptance of the conditions set out below and payment for services, the person accepting this offer becomes the Customer (in accordance with paragraph 3 of Article 438 of the Civil Code of the Russian Federation, acceptance of the offer is tantamount to concluding an agreement on the terms stated in the offer).
1.3. Full and unconditional acceptance of this offer is the Customer’s payment for the Services offered by the Contractor. In relation to the Services offered by the Contractor under promotions (special offers, if any) with terms of payment in installments, full and unconditional acceptance of this offer is the Customer’s payment of the first part of the amount agreed upon by the parties.
1.4. The Contractor and the Customer provide mutual guarantees of their legal capacity and capacity necessary for the conclusion and execution of this Agreement for the provision of information services.
2. DEFINITIONS AND TERMS
2.1. For the purposes of this Offer, the following terms are used in the following meaning:
Offer is a real public contract for the provision of information services to the Customer.
Website – Internet sites: and https://invest-razum.ru, as well as all related “subdomains” used by the Contractor as property.
Information services – the Contractor’s services for conducting Online training for the Customer in accordance with the selected Event Program and the paid Information Package.
Online training is an information service of the Contractor, which, depending on the selected Event Program and the paid Information Package, includes: A. Providing limited access to the Customer’s training materials on the Site (videos, articles, files, links) in accordance with the terms of the Offer. The scope of training materials is determined by the Contractor independently and is described in the Training Program. The volume of training materials and the materials themselves can be changed in order to update the information at any time at the discretion of the Contractor. B. Participation of the Customer in thematic discussions in the format of online Skype sessions. B. Providing the Customer with homework to practice skills and consolidate knowledge. D. Checking homework; related analytical services of the Contractor. D. Related information services of the Contractor in the form of consultations (by mail, by phone, by Skype, personal consultations). The form and necessity of providing related information services are determined by the Contractor independently.
The event program is a list of issues that will be disclosed during the provision of information services (hereinafter referred to as the Program).
Programs are published on the Site. Information package – a set of services that will be included in addition to a particular training program (hereinafter referred to as the Package). The description of the Packages is published on the Site on the page of the corresponding Program.
3. SUBJECT OF THE OFFER
3.1. The subject of this Offer is the paid provision of Information services to the Customer by the Contractor in accordance with the terms of this Offer by organizing and conducting online trainings.
3.2. The cost of the Information Service varies for different Programs and for different Packages. The cost of various Information Service Packages is determined on the corresponding Internet pages of the Site.
4. TERMS OF PROVISION OF INFORMATION SERVICE
4.1. The Contractor provides limited access to the Customer to the Information Service posted on the Site (provides access to a closed area of the site by transferring access passwords), subject to 100% prepayment of this service. In case of payment in installments or in installments (if there is a corresponding promotion), access to the Online Training materials is provided gradually as the corresponding parts of the package are paid for (in accordance with the parameters of the promotion).
4.2. Payment for the Information Service occurs by transferring funds by the Customer to the Contractor's bank account in one of the following ways: - Payment by bank card or electronic money (Yandex Money) via the Internet through Internet acquiring and/or third-party payment services (Yandex Cash Desk). — Payment according to the details from clause 11 of this Offer to the Contractor’s bank account. — Payment in cash to the Contractor's cash desk. — Payment by other means by prior agreement with the Contractor.
4.3. Participation in the Online Training is confirmed by filling out the appropriate application for participation and making payment. The links and passwords necessary to access the materials are provided to the Customer by sending them to the Customer’s email address specified by him when filling out the application for participation in the training.
4.4. If within 2 business days the Customer, for one reason or another, has not received access to the Information Service, he must contact the Contractor’s support service in writing at the address or call the phone number listed on the Site in the “Contacts” section.
4.5. The Contractor undertakes to provide the Customer with an Information service by organizing and conducting online training within the period specified on the Site, or by providing the Customer with access to a closed area of the site within 2 days from the date of receipt of funds to the Contractor’s account.
4.6. This agreement has the force of an act of provision of services. Acceptance of services provided is carried out by the Customer without signing the corresponding act.
4.7. The Contractor reserves the right to cancel the Customer’s participation in the training without refunding the paid fee if he violates the rules of conduct during the training. These violations are: inciting ethnic conflicts, insulting other training participants, insulting the leader and/or employees of the training project, repeated (more than two times) deviation from the topic of the training, advertising of any kind, obscene statements, dissemination of information that is deliberately false, as well as other actions that may be regarded by the presenter as actions that insult him and other training participants.
4.8. The Contractor reserves the right to cancel the Customer’s participation in the training (without returning the funds paid by the Customer) if it is established that he transferred the training materials to third parties, the Customer distributes information and materials received in connection with participation in the training to third parties, including for a fee. The use of information and materials is permitted only for personal purposes and for the personal use of the Customer.
5. CUSTOMER REGISTRATION ON THE SITE
5.1. Providing the Information Service to the Customer is possible subject to the creation of an appropriate account on the Site. An account (registration account) is created at the time of purchase and must contain the Customer’s real last name, first name, patronymic, email address and telephone number.
5.2. Registering an account is done by filling out the registration form. The registration form must include your true first name, middle name, last name, email address, and available phone number.
5.3. The customer is responsible for the confidentiality of the password. If the Customer establishes facts of unauthorized access to his account, he undertakes to notify the Contractor’s support service about this circumstance as soon as possible at the address or telephone number indicated on the Site in the “Contacts” section.
6. RIGHTS AND OBLIGATIONS OF THE CONTRACTOR
6.1. The Contractor undertakes to provide the Customer with round-the-clock access to the Site using the Customer’s account (except for short-term and rare cases of preventive maintenance on the Site, Site hosting) for the entire duration of the Site’s existence.
6.2. The Contractor is responsible for storing and processing the Customer’s personal data, ensures the confidentiality of this data during their processing and uses it exclusively for the high-quality provision of Information services to the Customer.
6.3. The Contractor guarantees to provide the Customer with complete and reliable information about the service provided upon his request.
6.4. The maximum duration of online training is 365 days from the date of payment. After this period, participation in Skype sessions, as well as checking homework (if these services were purchased as part of the relevant Package, but were not provided within 365 days from the date of payment) can only be carried out for an additional fee and subject to availability from the Contractor resources and time. At the same time, access to online training materials remains open to the Customer throughout the existence of the Site.
6.5. If the Customer, for reasons independent of the Contractor, was unable to use the online training materials, the information service is considered provided.
6.6. The Contractor reserves the right at any time to change the duration of the training and the terms of this Offer unilaterally without prior notice to the Customer, publishing these changes on the Site no later than 5 days from the date of their introduction (acceptance). At the same time, the new conditions apply only to newly concluded contracts.
6.7. The Contractor has the right to block the Customer’s account if he violates the training rules (clauses 4.7, 4.8 of this Agreement) without returning the paid fee.
7. RIGHTS AND OBLIGATIONS OF THE CUSTOMER
7.1. The Customer is obliged to provide reliable information about himself during the process of creating an account (registration) on the Site.
7.2. The Customer undertakes not to reproduce, duplicate, copy, sell, or use for any purpose the information and materials made available to him in connection with the provision of the Information Service, with the exception of personal use.
7.3. The customer has the right to apply the acquired knowledge and skills in practice.
7.4. The Customer is obliged to maintain in good technical condition the equipment and communication channels that provide him with access to the Site, to have functioning Internet access, and to log into the Site under his account from only one device at a time (personal computer, tablet, phone). Violation of this clause may be regarded as the fact of transfer of access to third parties (clause 4.8.) and lead to cancellation of access to online training materials.
8. CONSIDERATION OF CLAIMS. A REFUND
8.1. The Contractor is not responsible for non-provision (poor quality provision) of the Information Service for reasons beyond the control of the Contractor.
8.2. Refunds are not provided if the Customer does not apply the acquired theoretical knowledge in practice. Also, refunds are not made after the Customer receives access to the closed training site (that is, receives passwords for access to the closed area of the site where the training records are located) and the information located on it. These conditions are unconditionally accepted by the Parties.
8.3. Refunds are made by the Contractor if the Customer made a 100% prepayment for receiving the Information service, but the Contractor refused to provide the information service to the Customer for any reason.
9. RESPONSIBILITY OF THE PARTIES
9.1. The Contractor and the Customer, taking into account the nature of the service provided, undertake in the event of disputes and disagreements related to the provision of the Information service, to apply the pre-trial procedure for resolving the dispute (negotiations, correspondence). If it is impossible to resolve the dispute out of court, the parties have the right to apply to the court of the city of Penza.
9.2. For failure to fulfill or improper fulfillment of obligations under this Offer, the parties are liable in accordance with the legislation of the Russian Federation.
10. QUALITY GUARANTEES OF INFORMATION SERVICE
10.1. The Customer, by accepting the terms of this Offer, also assumes the risk of non-receipt/shortage of profit and the risk of possible losses associated with the use of knowledge, skills and abilities acquired by the Customer during the provision of the Information Service.
10.2. Guaranteeing the successful application of the acquired knowledge, skills and abilities, as well as the receipt by the Customer of the Information Service of a certain profit (income) with their use (sale) in a certain or indefinite future, the Contractor is not responsible for non-receipt of profit (income), receipt of profit (income) below expectations of the Customer, as well as for direct and indirect losses of the Customer, since the success of the Customer’s use of the acquired knowledge, skills and abilities depends on many factors known and unknown to the Contractor, such as: dedication, hard work, perseverance, level of intellectual development, creative abilities of the Customer, and his other individual qualities and personal characteristics, which is unconditionally accepted by both parties.
11. VALIDITY OF THE OFFER. FINAL PROVISIONS
This Offer comes into force from the moment of publication on the Site on the Internet and is valid until the Offer is withdrawn/changed by the Contractor.
Name of organization Individual entrepreneur VITALY VLADIMIROVICH KOSHIN
TIN 583708408904
OGRN 316583500057741
Current account 40802810400000005323
Bank JSC Tinkoff Bank
Legal address of the Bank Moscow, 123060, 1st Volokolamsky proezd, 10, building 1
Corr. Bank account 30101810145250000974
Bank INN 7710140679
BIC Bank 044525974
“Subboards” or subordinated tools: what are they and why are they needed?
What are "subboards"? What features do subordinated loans, deposits or bonds have? How can private investors and companies benefit from such tools?
What are "subboards"?
In finance, any subordinated product or “ subordinated ” (English subordinated , which means “junior” or “subordinate”), be it a subordinated loan, a subordinated bond or a subordinated deposit , is an instrument for which payments come in line after other creditors in the event of liquidation or bankruptcy of the counterparty (debtor).
For example, if a company (corporation) or an individual, as an investment instrument for temporarily free funds, places them on a subordinated deposit in a bank, the claims of such a depositor will be satisfied after all other creditors (if any remain) in the event of bankruptcy of this financial organization. Also, this money cannot be returned under insurance (since is not covered by the DIA deposit insurance ).
