The information below is an official proposal (public offer) from individual entrepreneur A.V. Sokolova to any legal entity or individual to enter into an agreement for the provision of information services (hereinafter referred to as the "Agreement"). This Agreement is public, i.e., in accordance with Article 633 of the Civil Code of Ukraine, its terms and conditions are the same for all consumers.The offer was published on 28 November 2025. The current version is effective from the moment of publication on the website https://www.myfinkurs.com.In accordance with Articles 633 and 641 of the Civil Code of Ukraine, the terms and conditions of the Public Offer and the Agreement are the same for all consumers. Payment for the Services using the details specified in the Agreement constitutes acceptance of this Public Offer, which is equivalent to the conclusion of the Agreement on the terms set out below. The Agreement is considered to be concluded in accordance with Articles 638 and 642 of the Civil Code of Ukraine and becomes effective as an adhesion contract. From the moment you take actions aimed at obtaining the information Services provided for in clause 1.2 of the Agreement, you confirm that you understand the terms and conditions of the Services, accept them and give your full and unconditional consent to the terms of this Public Offer without any exceptions and/or restrictions (acceptance). Acceptance of this Public Offer (accession to the Agreement on the provision of services by FOP Sokolova A.V.) is carried out by individuals and legal entities on the basis of Article 634 of the Civil Code of Ukraine by submitting to the Contractor an Application for accession to the Agreement on the provision of information Services together with the provision of documents and information necessary to identify the customer of the Information Services and/or information about the legal entity.Offer (Public Offer)The text of the Agreement below, in accordance with the list of Services, addressed to individuals, regardless of their citizenship, and legal entities, regardless of their country of registration (hereinafter referred to as the "Customer"), is an official public offer of the Individual Entrepreneur Sokolova A.V. (hereinafter referred to as the "Contractor"), acting on the basis of state registration of the business entity in the Unified State Register of Legal Entities and Individual Entrepreneurs (hereinafter referred to as the "Parties" and separately as the "Party"). Each Party guarantees to the other Party that it has the necessary legal capacity and capacity to act, as well as all the rights and powers sufficient to conclude and execute the Agreement.Definition of terms Public offer – a proposal by the Contractor addressed to any natural and/or legal person, in accordance with Article 633 of the Civil Code of Ukraine, to conclude a Public Contract for the provision of Services on the terms set out in this Contract.Acceptance – the Customer's full and unconditional consent to conclude this Agreement in full, without signing a written copy, in electronic form.Contractor – Individual entrepreneur Sokolova A.V., provides services specified in this Agreement, information is posted on the Contractor's website at: https://www.myfinkurs.com.The Customer is a natural/legal person who orders information services from the Contractor.Services are information and consulting services, financial literacy training.Personal data is information or a set of information about a natural person who is identified or can be specifically identified.Personal data subject – a natural person whose personal data is processed in accordance with applicable law.Consent of the personal data subject – any voluntary expression of will by a natural person to give permission for the processing of their personal data in accordance with the stated purpose of such processing.1. General provisions1.1. This Agreement does not require personal bilateral signing by the Parties and is valid in electronic form. The Parties confirm their desire, will and intention to conclude this Agreement in electronic form. The Agreement is legally binding in accordance with the provisions of Articles 633, 641, 642 of the Civil Code of Ukraine and is equivalent to an agreement containing the signatures of the Parties.1.2. The Customer shall accept (conclude) the Agreement after reviewing its terms and conditions by paying for the Contractor's services on the terms and in the manner specified in this Agreement.1.3. By concluding this Agreement, the Customer automatically agrees to fully and unconditionally accept the terms of this Agreement, the cost of services and all annexes that are integral parts of this Agreement.1.4. This Agreement defines the specifics of the provision and payment for the Services presented on the website https://www.myfinkurs.com and/or additionally offered to the Customer during negotiations.1.5. The services provided for in this Agreement cannot be ordered and are not provided to individuals or legal entities that:● are residents (citizens or registered legal entities) of countries subject to sanctions, embargoes or other international restrictions, including, but not limited to: the Russian Federation, the Republic of Belarus, Iran, North Korea, Syria, Cuba, Venezuela, as well as other jurisdictions subject to sanctions by Ukraine, the European Union, OFAC (USA) or included in the FATF blacklist;● are on sanctions lists in accordance with the legislation of Ukraine, decisions of the National Security and Defence Council, international organisations or other authorised bodies;● act in the interests or on behalf of the persons mentioned above.1.6. If it is found that the Customer violates the specified restriction, the Contractor has the right to unilaterally terminate the Agreement, suspend the provision of Services and not return the funds paid.2. Subject matter of the agreement2.1. Under the terms and conditions set forth in this Agreement, the Contractor undertakes to provide, and the Customer undertakes to accept and pay for, information services, the list and content of which are published on the website at: https://www.myfinkurs.com (hereinafter referred to as the "Services").The current version of the list of Services is an integral part of this Agreement.2.2. The Services are provided on a paid basis on the terms of 100% (full) prepayment, unless otherwise agreed by the Parties separately in writing or electronically in accordance with the terms of this Agreement.2.3. All changes and additions to this Agreement shall be published on the Contractor's website.2.4. All terms and conditions of this Agreement are binding on both the Customer and the Contractor. Before using the Service, the Customer is obliged to familiarise themselves with the terms and conditions of this Agreement.2.5. In the event that the Parties agree on partial payment for the Services, such payment shall indicate that the Customer has read and accepted the terms and conditions of this Agreement and has consented to the processing of their personal data. In such cases, the Parties undertake to sign a payment schedule, which is an integral part of this Agreement, in accordance with the procedure provided for in clause 9.4 of this Agreement.2.6. All rights to the materials posted on the Contractor's website (https://www.myfinkurs.com) are protected by the legislation of Ukraine. No part of the specified data may be reproduced in any form and by any means, including posting on the Internet, corporate and social networks, as well as recording in the memory of a computer, for private or public use, without the written permission of the owner of the property copyright.3. Procedure for concluding a contract3.1. The text of this Agreement is a public offer and applies to all legally capable individuals, legal entities, and individual entrepreneurs, in accordance with current Ukrainian legislation, who have the intention, desire, and ability to purchase services from the Contractor.3.2. Acceptance of the offer means payment by the Customer of the invoice provided by the Contractor, as determined by this Agreement, at the agreed prices, and acceptance of the terms of payment, provision of Services or payment via electronic payment systems on the Contractor's website/resource.3.3. The fact of payment for the Services is an unconditional acceptance by the Customer of the terms of this Agreement. From the moment the Customer's funds are received in the Contractor's current account, the Customer is considered to be a person who has entered into a contractual relationship with the Contractor.3.4. The public offer agreement does not apply to the relations and obligations of the Customer and the Contractor if they are formalised in separate individual agreements in writing.4. Cost of services and payment procedure4.1. The total price of this Agreement is the sum of the cost of the Services provided by the Contractor during the term of this Agreement.4.2. Payment for the services shall be made by the Customer by way of 100% prepayment within 3 days from the date of issuance of the invoice by the Contractor. The Contractor shall have the right not to commence the provision of Services until the day of receipt of prepayment in accordance with this condition or the conditions agreed with the Customer separately.4.2.1. The Parties may deviate from the terms of payment for the Services established by this Agreement and determine other terms separately by mutual agreement. All such agreements shall be recorded in the manner provided for in clause 9.4 of this Agreement. In the absence of proper recording in accordance with the said clause, the terms of payment specified in this Agreement shall remain valid and binding.4.3. Form of payment – cashless, by transferring funds to the Contractor's current account specified in the invoice and section 11 of this Agreement.4.4. The Contractor shall send invoices to the Customer in the manner specified in clause 9.4 of this Agreement.4.5. At the Customer's separate request, the Contractor shall send the Customer the acts of acceptance and transfer of Services and invoices in electronic form via the Vchasno system with a qualified (advanced) electronic signature and/or seal (if a seal is used in business activities) within 5 days. The Customer shall sign the act of acceptance and transfer of Services within 5 (five) calendar days from the date of its receipt. If, within this period, the Customer does not sign the act and does not provide reasonable written comments, the act shall be deemed agreed and signed, and the Services shall be deemed provided in full and properly.4.6. In the event of early refusal of the Services by the Customer, the Contractor shall have the right to retain the cost of the Services actually provided. The unused balance of funds paid by the Customer shall be refunded within 30 (thirty) calendar days from the date of receipt of a written request for a refund and subject to the signing of the relevant Termination Act.4.7. The Customer shall have the right to make payment without an invoice issued by the Contractor, provided that there is sufficient information regarding the essential terms of the Contract and the possibility of payment through the use of electronic payment systems on the Contractor's website/resource.4.8. For Customers who are non-residents of Ukraine, payment may be made in foreign currency (USD, EUR, etc.) in accordance with the terms agreed separately by the Parties, taking into account the exchange rate set on the day of payment by the relevant financial intermediary (bank or payment system).4.9. In case of a refund in accordance with clause 4.6 or in case of early termination of the Agreement:- The Customer shall submit a written application to the Contractor's e-mail;- The Contractor shall refund the funds within 30 calendar days from the date of signing the Termination Act, if there are no reasonable comments regarding the Services provided;- The refund shall be made in the same manner as the payment was made, unless otherwise agreed by the Parties;- Bank fees for refunds shall be borne by the Customer.5. Rights and obligations of the parties5.1. The Contractor shall have the right to:5.1.1. receive from the Customer the information necessary for the provision of services;5.1.2. independently set the price of services and other conditions for their provision by posting the relevant information on the Contractor's website;5.1.3. make changes to the Agreement by posting them on the Contractor's website without special notification to the Customer;5.1.4. store and process personal data obtained in the course of providing services in accordance with the requirements of the current legislation of Ukraine;5.1.5. suspend the provision of services in case of untimely fulfilment by the Customer of its financial obligations for payment of services;5.1.6. suspend the provision of services in whole or in part in case of impossibility to provide services due to technical or other objective reasons.5.2. The Contractor shall:5.2.1. provide the Services from the moment of acceptance of the Agreement;5.2.2. provide the Services in a timely and high-quality manner in accordance with the terms of this Agreement at the request of the Customer;5.2.3. provide explanations on issues arising for the Customer in connection with the provision of Services to them;5.2.4. immediately notify the Customer in the event of circumstances that prevent the proper performance of their obligations under this Agreement;5.2.5. take other necessary measures required for the proper performance of its obligations under this Agreement;5.2.6. upon separate request, sign and submit to the Customer the Acts of Services rendered;5.2.7. ensure the protection of personal data received from the Customer.5.3. The Customer shall have the right to:5.3.1. receive the Services provided by the Contractor in accordance with the terms of the Agreement;5.3.2. receive complete and accurate information about the scope of services provided, as well as explanations on issues arising for the Customer in connection with the provision of Services.5.4. The Customer is obliged to:5.4.1. independently familiarise themselves with the terms of the Agreement posted on the Contractor's website;5.4.2. provide accurate and complete information necessary for the conclusion and execution of the Agreement, namely:For legal entities (LLCs and others)– A copy of the certificate of state registration of a legal entity (if available) or a copy of an extract/excerpt from the Unified State Register of Legal Entities and Individual Entrepreneurs;– Copy of the single tax payer certificate (if available) or copy of the extract from the register of single tax payers (if available);– Copy of the value added tax payer registration certificate (if available) or copy of the extract from the register of value added tax payers (if available);– Details of the person responsible for signing contracts: position, full name, basis of authority;– Bank details;– Email address;– Contact telephone number.For individual entrepreneurs– Copy of the certificate of state registration of an individual entrepreneur (if available) or a copy of an extract/statement from the Unified State Register of Legal Entities and Individual Entrepreneurs;– Copy of the single tax payer certificate (if available) or a copy of the extract from the register of single tax payers (if available);– Copy of the certificate of registration as a value added tax payer (if available) or a copy of an extract from the register of value added tax payers (if available);– Bank details;– Email address;– Contact telephone number.For individuals (if necessary)– Scanned copy of passport and TIN, e-mail, contact telephone number.5.4.3. For Customers who are non-residents of Ukraine, documents may be submitted in English or with a translation into Ukrainian/English, unless otherwise agreed by the Parties.5.4.4. The Customer undertakes to notify the Contractor of any changes to their contact or payment details, email address or location (place of residence) no later than 5 (five) working days from the date of such change. In case of failure to comply with this requirement, the Customer shall bear the risk of adverse consequences related to improper communication.5.5. The Parties shall comply with all terms and conditions of this Agreement and all annexes thereto. Annexes to the Agreement are integral parts of the Agreement.6. Responsibility of the parties6.1. The Parties shall be liable for any breach of the Agreement in accordance with the provisions of the current legislation of Ukraine and the terms of this Agreement.6.2. A breach of the Agreement shall be deemed to be its non-performance or improper performance, i.e. performance in violation of the terms and conditions set forth in this Agreement.6.3. The Contractor shall not be liable for improper performance or non-performance of the terms of this Agreement if the Customer has failed to provide the information and documents necessary for the provision of services, or if the information and documents provided are incomplete or contain contradictory and/or inaccurate information and/or documents.6.4. The Customer shall be liable for the accuracy and completeness of the information provided during registration. If the Customer has not provided or has provided incorrect information about themselves, the Contractor shall not be liable for any losses incurred by the Customer as a result of refusal to refund the prepayment, provide services, and/or perform other actions due to the inability to correctly identify the Customer.6.5. In case of delay in payment for services by the Customer, he undertakes to pay the Contractor a penalty in the amount of double the discount rate of the National Bank of Ukraine, effective on the date of accrual of the penalty, from the amount of the overdue monetary obligation for each day of delay. At the same time, the total amount of the penalty shall not exceed 100% (one hundred per cent) of the amount of the overdue obligation.6.6. The Parties shall be exempt from liability for non-performance or improper performance of their obligations under the Agreement if this occurred as a result of force majeure, i.e. extraordinary and unforeseeable circumstances that arose after the conclusion of this Agreement, are beyond the control of the Parties and are beyond their control, including, but not limited to, but not limited to, hostilities, revolutions, coups d'état, natural disasters, man-made and other accidents, accidents in the power supply and communications systems, strikes, lockouts, acts of sabotage and terrorism, decisions of state and local authorities, epidemics, pandemics, emergencies that make it objectively impossible to fulfil the terms of the Agreement (hereinafter referred to as "force majeure").6.7. The Party affected by force majeure shall notify the other Party thereof within 10 (ten) calendar days from the date when the Party became aware of the occurrence of force majeure and provide the other Party with appropriate documents confirming force majeure.6.8. From the moment of receipt of the notification of force majeure by the other Party, the performance of the terms of the Agreement shall be suspended, and the term for the performance of obligations under the Agreement shall be extended for the period of the force majeure event.6.9. Suspension of the performance of the terms of the Agreement means that the Contractor shall cease to provide the services provided for in the Agreement, and the Customer shall not be required to make further payments for services that have not been provided, without negative consequences, penalties or liability for either Party.6.10. The Party affected by force majeure shall notify the other Party of the termination of force majeure within 3 (three) calendar days from the date when the Party became aware of the termination of force majeure.6.11. Each Party shall have the right to initiate the termination of the Agreement if the duration of the force majeure exceeds 1 (one) month.7. Term of the agreement1. The term of the Agreement shall be determined from the moment of acceptance of the Offer by the Customer and shall be valid for 1 (one) month, but in any case until the Parties have fully fulfilled their obligations under the Agreement.7.2. If neither Party informs the other Party of the termination of the Agreement 10 (ten) calendar days before the expiry date of such Agreement, the Agreement shall be extended for each subsequent month on the same terms and conditions.7.3. The Agreement shall be extended for the next term subject to payment for the Contractor's Services in accordance with the terms of this Agreement.7.4. The Agreement may be terminated:7.4.1. at any time by mutual agreement of the Parties;7.4.2. at the initiative of one of the Parties in the event of a breach of the terms of the Agreement by the other Party, with written notification to the other Party. In this case, the Agreement shall be deemed terminated from the moment the Party that violated the terms of the Agreement receives a corresponding written notice from the other Party;7.4.3. at the initiative of one of the Parties, subject to written notification of the other Party 10 (ten) calendar days prior to the date of termination of the Agreement;7.4.4. on other grounds provided for in this Offer (Agreement).7.5. In the event of early termination of the Agreement, the Parties shall be obliged to make full mutual settlements for the Services already provided. The date of termination of this Agreement shall be the date of the final settlement.8. Protection of personal data8.1. Each Party agrees to the collection and processing of its personal data.8.2. The Parties undertake to ensure adequate protection of personal data against unlawful processing and unlawful access by third parties, including taking the necessary measures to prevent the disclosure of personal data of officials, employees, authorised representatives of the Parties, if such personal data has been entrusted to the Party or has become known to the Party in connection with its obligations under the Agreement.8.3. By concluding the Agreement, the Customer confirms that it has been informed (without additional notification) of the rights of the subject of personal data established by the Law of Ukraine "On the Protection of Personal Data", the purpose of processing personal data, the composition and content of the personal data collected, as well as the conditions for access to personal data by third parties. For more details, see the Privacy Policy posted on the Contractor's website (https://www.myfinkurs.com/privacy-policy). The processing of personal data of Customers who are residents or citizens of other countries is carried out in accordance with applicable national legislation on the protection of personal data, including, but not limited to, the General Data Protection Regulation (GDPR) and other regulations. The Contractor guarantees compliance with the appropriate level of personal data protection regardless of the user's jurisdiction.9. Agreement on electronic document management1. The parties recognise the legal validity of documents created and signed in electronic form in accordance with the Law of Ukraine "On Electronic Commerce" No. 675-VIII dated 03.09.2015 and drawn up in electronic form (applications, acts, notifications, invoices, agreements, letters, etc.) sent by e-mail to the details specified in the contract, if it is possible to reliably establish that the document originates from a party to the contract.9.2. The parties have agreed to use electronic digital signatures (EDS) in document circulation within the framework of this Contract.9.3. The parties have agreed to be guided by the terms and conditions of electronic document circulation and electronic interaction set out below:9.3.1. invoices and acts shall be drawn up in writing in the form of an electronic document and shall not be drawn up on paper;9.3.2. In accordance with the agreement on electronic document flow, the Parties shall use electronic signatures.9.3.3. The exchange of electronic documents shall be carried out through the Vchasno system.9.4. For the purpose of prompt exchange of information, communication between the Parties (their officials, employees, representatives) may be carried out by means of electronic communication, in particular, such as e-mail or other electronic messaging services, including Telegram, WhatsApp, Viber, unless otherwise expressly provided for in separate provisions of this Agreement. In addition, copies of documents, including Reports, acts of acceptance and transfer of Services, invoices, other documents concluded by the Parties under this Agreement (scanned copies, photocopies, copies, etc.), including those signed by representatives of the Parties, shall be valid, equivalent to the originals and shall not require approval on physical media or execution in the manner specified in clause 4.5. of this Agreement, unless otherwise expressly provided for in this Agreement.9.5. For non-residents of Ukraine who do not have a Ukrainian electronic signature, electronic documents may be signed by:● using international electronic signature services (DocuSign, PandaDoc, Adobe Sign, etc.);● signing documents in PDF format using electronic signature tools available in their jurisdiction;● exchanging scanned or signed documents via corporate email, which is considered confirmation of acceptance.9.6. The parties acknowledge that electronic copies of documents to this Agreement, signed using the means provided for therein (including email, document management systems, international signature platforms), have the same legal force as the signed original on paper.10. Other terms and conditions of the agreement10.1. The Offer shall come into force upon publication on the Contractor's website and shall remain in force until the Offer is withdrawn by the Contractor. The Customer confirms that it has received sufficient information about the full range of services provided for in the Contract and accepts them without any reservations.10.2. The Customer confirms that it has the necessary legal capacity, as well as all rights and powers to conclude and execute the terms of the Agreement.10.3. The information provided by the Customer is confidential. Information about the Customer is used solely for the purpose of the Contractor's performance of the Services.10.4. Confidential information of the Contractor means any information transmitted to the Customer in oral, written or electronic form within the framework of the provision of Services under this Agreement, which has commercial value, is not publicly available and in respect of which the Contractor takes measures to preserve its confidentiality.10.5. The Customer undertakes not to disclose, transfer or use for its own interests or the interests of third parties any confidential information received from the Contractor within the framework of the performance of this Agreement without the prior written consent of the Contractor.10.6. The obligation not to disclose confidential information shall remain in force for the duration of this Agreement and for 1 (one) year after its termination, unless otherwise agreed separately by the parties.10.7. In case of violation of the provisions of this section by the Customer, he shall be obliged to compensate the Contractor for all direct and indirect losses incurred, as well as pay a fine in the amount equivalent to 300,000 (three hundred thousand) hryvnias. This penalty is not an exclusive means of protecting the Contractor's rights and does not exclude the possibility of applying other measures of liability provided for by law.10.8. If the Contractor considers it appropriate to provide an additional level of protection for the information transferred to the Customer, it has the right to require the Customer to sign a separate non-disclosure agreement (NDA). The Customer's refusal to sign such an agreement shall be grounds for the Contractor to unilaterally suspend or refuse to provide the Services, regardless of the fact of prior payment. In this case, the funds paid shall not be returned to the Customer.10.9. The Contractor shall have the right to unilaterally amend the Agreement by publishing the amendments to the Agreement on the Contractor's website. Amendments to the Agreement shall come into force on the date of their publication on the Contractor's website, unless another date of entry into force is specified additionally at the time of their publication.10.10. For any issues that come up in connection with signing, performing, and ending this Agreement and aren't covered by it, the Parties agree to follow the rules of current Ukrainian law, especially the Civil Code of Ukraine and the Law of Ukraine "On Electronic Commerce."10.11. Any disputes that may arise on the basis of this Agreement shall be resolved by the Parties through negotiations. If no agreement is reached, all disputes under this Agreement shall be resolved in accordance with the applicable laws of Ukraine.10.12. If any provision of this Agreement becomes invalid, this shall not affect the validity of the remaining provisions of the Agreement. In such a case, the Parties shall, as far as possible, attempt to agree on replacing the invalid provision with new valid provisions that allow the Parties to achieve their original intentions to the maximum extent possible.10.13. The Parties undertake to keep confidential any confidential information and trade secrets that become known to them in connection with the performance of the Agreement, not to disclose the confidential information and trade secrets of the other Party, and not to use such information for their own benefit or for the benefit of third parties.10.14. The parties shall be fully responsible for the completeness and accuracy of the details provided by them in the documents. The Parties undertake to immediately notify each other of any changes in their names, organisational and legal forms, locations (places of residence), mailing addresses, telephone numbers, e-mail addresses, bank and other account details. In case of failure to notify, the guilty Party shall bear the risk of related adverse consequences (including tax consequences).10.15. The Contractor under this Agreement has the status of a single tax payer and is not a value added tax payer.10.16. The Contractor's services are of an informational and advisory nature and do not guarantee that the Customer will achieve a specific result. The Contractor's liability is limited to the cost of the services actually paid for by the Customer. The Contractor shall not be liable for any incidental, consequential or indirect damages incurred by the Customer.10.17. The Contractor does not provide any guarantees regarding commercial success, profit growth, audience reach increase or any other specific result as a result of receiving the Services.10.18. This Agreement shall be governed exclusively by the laws of Ukraine, regardless of the nationality or jurisdiction of the Customer. All disputes between the Parties shall be resolved in the courts of Ukraine in accordance with Ukrainian procedural law.10.19. In case of using online payment on the Contractor's website, the Parties agree that payment processing is carried out through secure payment services in accordance with international security standards, in particular PCI DSS. The Contractor does not store the Customer's payment details without their consent.10.20. The Customer who is a non-resident of Ukraine shall be solely responsible for fulfilling tax obligations in their country, including, but not limited to, paying taxes, fees or submitting reports related to the payment for the Contractor's Services.10.21. The Contractor provides support in English for communication with non-residents of Ukraine. The official language of the Agreement is Ukrainian. If necessary, the Contractor may provide an unofficial translation of the document into English.11. Address and details of the ContractorFOP Sokolova Anna VolodymyrivnaAddress: Ukraine, 61052, Kharkiv, Poltavskyi Shliakh St., 1/3, apt. 22EDRPOU code: 2908309220e-mail: moc.liamg%40anna0102lokosTel.: +38 (067) 532 29 19Is a single tax payer of Group III without VAT
Bank details for transfers within Ukraine:IBAN: UA753003460000026005100007920JSC "SENS BANK"
For international transfers:
Beneficiary: Individual entrepreneur SOKOLOVA ANNAIBAN Сode: UA 75 300346 00000 2600 5100 0079 20Beneficiary’s bank: JSC «SENSE BANK»Bank Address: Kyiv, UkraineSWIFT code SENSUAUKXXXCorrespondent bank: Commerzbank AGBank Address: Frankfurt am Main, GermanySWIFT code: COBADEFFXXXCorrespondent account: 400886465400
Revised version effective from 28 November 2025