Terms and Conditions

Welcome to our online platform focused on financial self-management education and service simulations. By accessing or using this service, you agree to comply with and be bound by the following terms and conditions. Please read them carefully.

1. Use of Service

Our platform provides educational content, simulated consulting packages, and form-based interactions aimed at helping users develop responsible money habits. You agree to use this service only for lawful purposes and in a way that does not infringe the rights or restrict the use of others.

2. Intellectual Property

All content, materials, and design elements within our site—including text, graphics, logos, and software—are the property of the platform or its licensors. Unauthorized use, reproduction, or distribution of any content without explicit permission is prohibited.

3. Service Simulation and Information Accuracy

Consultation packages and calculators offered on this platform are for educational and simulation purposes only. They do not substitute for professional financial advice. We strive to provide accurate information but do not guarantee completeness, reliability, or suitability for specific purposes.

4. User Submissions and Forms

When you submit information through our registration or feedback forms, you confirm that the data is truthful and accurate. We collect and process submitted information solely to provide the requested simulations or services. Our platform does not store sensitive personal information beyond this scope.

5. Privacy and Personal Data

Any personal information submitted through this service is handled in accordance with our privacy policy. We recommend reviewing that policy to understand how your data is managed and protected.

6. Limitation of Liability

To the fullest extent permitted by law, our service and its owners shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use, inability to use, or reliance on the content or services provided on this platform.

7. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time without prior notice. Changes will take effect immediately upon posting on this site. Continued use after changes signifies your acceptance of the updated terms.

8. Governing Law

These Terms and Conditions are governed by the applicable laws without regard to conflict of law principles. Any disputes arising from the use of this service shall be reviewed under the jurisdiction appropriate to the service provider's physical location at 211 Nevsky Street, St. Petersburg, Russia.

9. Contact Information

For questions or concerns regarding these Terms and Conditions, please contact us by mail at: