1. General Provisions

1.1. Target Money company registered in the UK, registration number 11990238, legally operating and licensed to the Internet site located at the following address: target-money.com (hereinafter referred to as the copyright holder) offers the Internet user (hereinafter referred to as the “User”) use Target Money and the services posted on it (hereinafter referred to as the “Services”) under the conditions set forth in this user agreement (hereinafter referred to as the “Agreement”) in accordance with Art. 437 of the Civil Code of the Russian Federation. The Agreement enters into force from the moment the User expresses consent to its terms in the manner prescribed by paragraph 1.4 of the Agreement.

1.2. This Agreement solely regulates the terms and conditions of use of Target Money. The provisions of this Agreement are binding on all Users who have registered Target Money, or who have started using any of the Services. The Company offers the User, under the terms of the Agreement, to take advantage of the opportunities, services and services available on Target Money (hereinafter - the "Services"). Services for the direct disbursement of funds or obtaining investments: registration, payment, return, withdrawal or restructuring, are carried out by authorized third parties - partners of the Company and not within the framework of this Agreement.

1.3. The use of the Services is also governed by the agreement on Target Money, the Privacy Policy of the Company, and the Policy regarding the processing of personal data. This Agreement may be amended by the Company without any special notice to the User, the new version of the Agreement shall enter into force from the moment it is posted on the Internet at the address indicated in this paragraph, unless otherwise provided by the new version of the Agreement. The current version of the Agreement is located on the page at Target Money.

1.4. From the moment the User opens from any technical device in an Internet browser any page of any of the Target Money sections, including any Target Money application for mobile devices, and also starts using any Service, the User expresses his consent to the terms of the Agreement in full , without any reservations or exceptions.

The actions of the User are recognized as legally significant and certified by the electronic digital signature of the User if they are committed after the authorization of the User in the personal account on Target Money using his personal login and password obtained during initial registration on Target Money.

Using the Site’s services after the User has completed the authorization procedure, which consists of entering his personal login and password, is recognized as taking actions in the User’s personal account in accordance with the terms of the AGENCY AGREEMENT (OFFER) for making Target Money on his behalf by on behalf of the investor of actions on orders placed on the Target Money service

If the User disagrees with any of the provisions of the Agreement, the User is not entitled to use Target Money and must refrain from using it. If the Company has made any changes to the Agreement in the manner prescribed by paragraph 1.3. Agreements with which the User does not agree, he is obliged to stop using Target Money.

2. User registration. User Account

2.1. To receive services on Target Money, user registration is not required. In this case, the personal account is registered to the User’s email address during the first loan or investment (hereinafter referred to as the “Orders”) on Target Money. To register the personal account, the User must click on the “Registration” link in the upper right corner of any page in the Target Money section and enter the electronic Email and password (twice). After registration, the User will receive a letter to his email address. By registering on the site, the User confirms that he is over 18 years old.

2.2. The user independently chooses a password for access to your personal account. The company has the right to establish password requirements (length, valid characters, etc.). At the same time, the Company does not verify in any way the information provided by the User, hereinafter referred to as "credentials", is not responsible to any third parties for the accuracy and reliability of credentials.

2.3. A personal account is a separate section on Target Money where information on orders made by the User is stored. Information about orders is available only to the most registered User. A personal account is created to help the User manage orders.

2.4. To get to your personal account, the User needs to click on the “Login” link in the upper right corner of any page / section of Target Money and enter his email address (used when making orders) and password. If the User does not remember the password for entering the personal account, you must click on the link "Forgot your password?" And act in accordance with further instructions.

2.5. By posting credentials and other data and information, and joining the Agreement, the User expresses his consent to the Company to process credentials and other data, to reflect them in the User’s profile. The user agrees to the transfer to third parties of accounting and other data, including for the purposes of their processing, to ensure the functioning of Target Money, Services, the implementation of partner and other programs and Services of the Company.

2.6. The purpose of processing the User’s credentials is to provide the latter with the opportunity to use the Services and to provide the right to use additional functional (software) Target Money to conduct advertising campaigns, conduct statistical research and analysis of the obtained statistical data, and carry out other actions described in the Agreement. The processing of the User’s credentials is carried out from the moment of registration of the User to the moment of removal of his account.

2.7. The user agrees that the Company in the process of processing credentials has the right to carry out the following actions with credentials: collection, systematization, accumulation, storage, use, destruction and other necessary for the execution of the Agreement. After registering an account with Target Money, the Company has the right to fill out the User’s account with content, including adding information about the User’s orders, placing advertising information and other information. At the same time, the User agrees not to post email addresses and other personal information of other users or any third parties on the Target Money Services without their personal consent to such actions.

2.8. The user is personally responsible for the safety and security of his password and information data.

2.9. The Company is not responsible and does not guarantee the security of the User’s data in the following cases: the User’s transfer to third parties (intentionally or through negligence) of the password; third-party access to the User’s electronic mailbox using software tools that allow the selection and / or decoding of the password; third-party access to the User’s email inbox by simply selecting a password; User’s failure to comply with the recommendations specified in this Agreement or the Service interface.

2.10. The User’s personal information contained in the User’s personal account is stored and processed by the Company in accordance with the terms of the Company’s Policy regarding the processing of personal data.

2.11. The user is solely responsible for the security (resistance to guessing) of his chosen means of access to the account, and also independently ensures their confidentiality. The User is solely responsible for all actions (as well as their consequences) within or using the Services under the User’s account, including cases of voluntary transfer by the User of data for access to the User’s personal account to third parties on any conditions (including under contracts or agreements) . Moreover, all actions within or using the Services under the User’s account are deemed to have been performed by the User himself, with the exception of cases when the User, in the manner prescribed by clause 2.12.1. Of the Agreement, the Company notified of unauthorized access to the Services using the User’s account and / or any violation (suspected violation) of the confidentiality of its means of access to the account (password).

2.12. User agrees:

2.12.1. immediately notify the Company of any unauthorized use by the User of his password or account, or of any other breach of security;

2.12.2. log out of your account (end each session by clicking the "Logout" button) upon completion of work with your account. The Company is not responsible for any loss or damage to data that may occur due to non-compliance with the recommendations set forth in section 2 of this Agreement.

2.13. The User’s password can be restored only if the information specified during registration of the account is accurately, correctly and completely indicated. If the User has neglected the accurate, correct and complete indication of the registration information, the Target Money Support Service will not be able to recover the password upon contact. The company recommends saving your password and filling out the Services registration form accurately, correctly and completely.

2.14. The user has the right at any time to delete his account with Target Money

3. General Provisions for Using the Services

3.1. Target Money was created in order to carry out intermediary (agent) activities with the assistance of Investors in their investment activities in order to generate income. Target Money provides access to the Services that are available through a personal computer and mobile devices, both existing and those that will be developed in the future.

3.2. The User acknowledges and agrees that the Services may contain advertising, and that the presence of this advertising is a necessary condition for using the Services. The User also understands and agrees that the Services may contain messages, such as automatic notifications and newsletters.

3.3. The Company does not assume any responsibility for the settings of the User, and is also not responsible for the compliance of the Service with the goals of the User. All issues of granting access rights to the Internet, purchases and adjustments for this relevant equipment and software products are decided by the User independently and are not subject to this Agreement.

3.4. The User agrees that the Company may collect anonymized statistical data about the Users of the Services.

3.5. The Company has the right to send informational messages regarding the Services to its Users.

3.6. The company has the right to establish any additional requirements and restrictions with regard to registration on Target Money and the use of the Services.

3.7. In order to use Target Money as a set of computer programs, the Company provides the User (licensee) with a simple (non-exclusive) gratuitous license the right to use Target Money’s free functional (software) capabilities

4. Terms of Service

4.1. The User is solely responsible to third parties for their actions related to the use of Target Money, including if such actions violate the rights and legitimate interests of third parties, as well as for compliance with the law when using the Services.

4.2. When using the Services, the User is not entitled to:

4.2.1. impersonating another person or representative of an organization and / or community without sufficient rights, including Target Money employees, as well as applying any other forms and methods of illegal representation of other persons on the network, as well as misleading the Company regarding its properties and characteristics of any subjects or objects;

4.2.2. send, transmit or in any other way post and / or distribute Target Money content, in the absence of rights to such actions in accordance with the law;

4.2.3. disrupt the normal operation of Target Money and Services;

4.2.4. Contribute to actions aimed at violating the restrictions and prohibitions imposed by the Agreement;

4.2.5. otherwise violate the law, including international law.

4.3. The User, using the functionality of the Services, agrees that the User’s information can be transferred and transmitted, if necessary, to the partners of the Company solely in order to ensure the provision of the Services ordered by the User, and only to the extent necessary for the proper provision of these Services.

5. Termination of a User Account

5.1. The User agrees that the Company reserves the right to terminate the User’s account on Target Money at any time without prior notice to the User.

5.2. The termination of an account may be made due to the following reasons: a) violation of the provisions of this Agreement, as well as amendments to it, which are their integral part; b) at the appropriate request of the authorities, in accordance with the legislation of the Russian Federation; c) in case of distribution by the User of unconfirmed negative information about the Company; d) due to unforeseen problems of a technical nature or circumstances related to safety, etc.

5.3. The Company has the right to delete the User’s account on Target Money and / or suspend, restrict or terminate access to any of the Services if the Company finds in the User’s actions signs of violation of the terms of this Agreement without explaining the reasons for such actions.

6. Exclusive rights to the content of the Services and content

6.1. The User agrees not to reproduce, copy, repeat, sell or resell, or use for any commercial purposes and not to publicize, not to distribute the Target Money program, in whole or any part of the Target Money Services ( including content available to the User through the Services), or access to them, unless the User has previously obtained such permission from the Company.

6.2. All objects accessible using the Services and Target Money, including design elements, text, graphic images, illustrations, videos, computer programs, databases, music, sounds and other objects (hereinafter referred to as the content of the Services), as well as any content , placed on Target Money Services are the objects of exclusive rights of the Copyright Holder and other copyright holders.

6.3. The use of content, as well as any other elements of the Services and Target Money is possible only within the framework of the functionality offered by this or that Service. No elements of the content of the Services and Target Money, as well as any content posted in the Services and Target Money, can be used in any other way without the prior permission of the copyright holder. By use are 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.

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 copyright protection marks, related rights, trademarks, other notices of authorship, preservation of the name (or pseudonym) are preserved the author / name of the copyright holder unchanged, maintaining the relevant object unchanged. The exception is cases expressly provided for by the legislation of the Russian Federation.

7. Third Party Sites and Content

7.1. Services may contain links to other sites on the Internet (third-party sites). These third parties and their content are not checked by the Company for compliance with any requirements (reliability, completeness, legality, etc.). The Company is not responsible for any information, materials posted on third-party sites that the User accesses using the Services, including any opinions or statements expressed on third-party sites, advertising, etc., as well as for the availability of such sites or content and the consequences of their use by the User.

7.2. A link (in any form) to any website, product, service, any information of a commercial or non-commercial nature posted on Target Money is not an endorsement or recommendation of these products (services, activities) by Target Money.

7.3. Any information posted on Target Money complies with the provisions of the fourth part of the Civil Code of the Russian Federation 1253.1

8. Advertising on Target Money Services

8.1. The company is responsible for advertising placed on the Services within the limits established by the legislation of the Russian Federation.

8.2. The user agrees that the Company does not bear any responsibility and does not have any obligations for the actions of third parties in connection with advertising that can be placed on Target Money

9. Breaks in Target Money

9.1. The company has the right to carry out preventive work in the Services with a temporary suspension of the Services.

9.2. In the event of force majeure circumstances, as well as accidents or failures in the hardware and software systems of third parties cooperating with the Company, or actions of third parties aimed at suspending or terminating the functioning of all or part of the Services, it is possible to suspend the Services without prior notice to Users and no liability of the Company to Users.

10. Feedback and grievance process

10.1. A user who believes that his rights and interests are violated due to the actions of the Company may send a corresponding appeal. User support is handled by the Customer Support Service in accordance with the general procedure for considering incoming requests. All appeals, including regarding the operation of the Services, the User can send via jivosait chat on any page of the Target Money website or e-mail support@target-money.com The User and the Company agree that all possible disputes regarding the Agreement will be resolved in accordance with the norms of the current legislation of the Russian Federation.

10.2. All disputes of the parties under this Agreement shall be resolved by correspondence and negotiations using the mandatory pre-trial (claim) procedure. If it is not possible to reach agreement between the parties through negotiations within 60 (sixty) calendar days from the date the other party receives a written complaint, the dispute should be referred to any court by the interested party at the location of the Company (with the exception of the jurisdiction of the case to any other courts). < / p>

10.3. Recognition by a court of a provision of the Agreement as invalid or not enforceable does not entail the invalidity or impracticability of other provisions of the Agreement.

11. Changes and additions to the Agreement

11.1. This Agreement is subject to change by the Company without any prior notice. Any changes to the Agreement made by the Company unilaterally take effect from the day following the day of publication of such changes on Target Money on the pages of the corresponding Service. The user undertakes to independently verify the Agreement for changes. Failure by the User to familiarize himself with the actions may not serve as a basis for non-compliance by the User of his obligations and non-compliance by the User with the restrictions established by this Agreement.

11.2. In the case of adoption of regulatory legal acts by the authorities of the Russian Federation, affecting in whole or in part the functioning of Target Money and Services, the Company also reserves the right to make any changes to the functioning of Services and Target Money aimed at bringing the activities of the Company in accordance with the new standards.

11.3. The User has the right to refuse to accept changes and additions to the Agreement and / or certain Services, which means the User’s refusal to use Target Money and / or certain Services and all rights granted to him earlier.

12. Responsibility

The user understands and agrees that:

12.1. The Company does not guarantee that the Services will comply with the requirements of the User; will be provided continuously, quickly, reliably and without errors; the results that can be obtained by the User will be accurate and reliable; the quality of any product, information and other information obtained using the Services will meet the expectations of the User, and that all errors in the programs will be corrected. Services Software, computer programs for any Services that support the operation of the Services are licensed to Users on the basis of the provision of a non-exclusive license, “AS IS” (“AS IS”), without guarantees of operability and technical support.

12.2. The Company is not liable for any direct or indirect losses incurred due to the use or inability to use the Services and Target Money; due to unauthorized access to the communications of the User; due to fraudulent activity of third parties.

12.3. It should be consciously understood that activities in the field of microcrediting can carry risks, and despite a carefully worked out scheme of how the platform works in the automatic mode based on the existing large base of customer credit histories, situations are possible in which losses may be recorded for the Company, and therefore its investors. < / p>

It must be remembered that the decision to make investments, as well as to take any other actions related to financial turnover, is taken by the Company's customers on their own, voluntarily and with awareness of the risks associated with investment activities.

All of the above does not have the goal of forcing the Client to abandon operations with the Company, but merely aims to help him understand the risks associated with these operations, determine their appropriateness, evaluate his goals and financial capabilities, and responsibly approach resolving the issue of choosing the appropriate investment strategy, as well as the possibility of conducting operations on the Company's platform.

13. Confidentiality

13.1. The company may use User identification technologies, including the use of cookies. The company uses cookies for marketing purposes to study the preferences of users, in order to register visits by users of Target Money, remembering the pages and links that users clicked on. The company uses this information to ensure that Target Money and the advertisements displayed on Target Money correspond as closely as possible to the interests of Users. The company may also for this purpose transfer this information to third parties. Moreover, such identification is not personified and generalized, the Company monitors the actions of individual Users. The specified information may be provided to authorized state bodies in accordance with the current legislation of the Russian Federation.

13.2. Within the limits of the functioning of the Services and Target Money, the confidentiality of messages is maintained and the confidentiality of information about Users is respected, with the exception of cases provided for by the legislation of the Russian Federation and clause 13.1 of this Agreement.

14. Other Provisions

14.1. This Agreement is an agreement between the User and the Company regarding the use of the Target Money Services and supersedes all previous agreements between the User and the Company on the above issues.

14.2. 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 regulated by this Agreement are resolved in the manner established by the current legislation of the Russian Federation, according to the norms of Russian law. Throughout the text of this Agreement, unless explicitly stated otherwise, the term “legislation” is understood as the legislation of the Russian Federation.

14.3. Due to the gratuitousness of the services provided under this Agreement, the rules on consumer protection provided for by the legislation of the Russian Federation may not be applicable to the relationship between the User (Investor and / or Borrower) and the Company.

14.4. Nothing in the Agreement can be understood as the establishment between the User and the Company of a partnership, joint activity, personal employment, or any other relationship not expressly provided for in the Agreement.

14.5. If, for one reason or another, one or more of the provisions of this Agreement is invalid or null, this does not affect the validity or applicability of the remaining provisions of the Agreement.

14.6. Inaction on the part of the Company in case of violation by the User or other users of the provisions of the Agreements does not deprive the Company of the right to take appropriate actions to protect its interests at a later date, nor does it mean the Company renounces its rights in the event of subsequent similar or similar violations.