User Agreement

Dear visitor, welcome to the Website: (hereinafter referred to as the “Website”).

The Website Administration offers you the services of the Website on the terms and conditions that are the subject matter of the User Agreement (hereinafter referred to as the "Agreement").

Carefully read the Agreement that constitutes a public offer in accordance with Article 437 of the Civil Code of the Russian Federation, before using the Website. If you do not agree with the terms and conditions of the Agreement, the documents specified in it, or have no right to enter into an agreement on their basis, you must stop any use of the Website immediately.


1.1. The below terms are used in the Agreement:

Agreement - the User Agreement governing the relationship between the Administration and the User throughout the entire period of the provision of services and the User's access to the services of the Website.

Website - the resource located in the information and telecommunication network "Internet" at the address:

Website Administration (hereinafter also referred to as the “Administration”) - a legal entity registered in accordance with the legislation of the Russian Federation under the name IPJSC INGOSSTRAKH (PSRN 1027739362474, TIN 7705042179, address: 115035, Moscow, Pyatnitskaya st., 12, bldg. 2).

User - a legally competent individual who acceded to the Agreement to their own advantage or acting in the name of and on behalf of the legal entity they represent.

Service - a set of functionality of the software and hardware of the Owner, including the Website and Content, the User is granted access to for the information service purposes.

Content - any information material, including text, graphic, audiovisual and other material that can be accessed using the Service.

Cookie - a piece of data sent to the User's computer when entering a certain web page, including when performing active actions. The Website uses cookies to identify the User's browser on a second visit.


2.1. The Agreement is a legally binding agreement between the User and the Administration, the subject matter of which is the provision of the User with access to the Website and its functionality by the Administration.

2.2. The Agreement constitutes a public offer - by accessing the Website, the User is deemed to have acceded to the Agreement.

2.3. A prerequisite for the conclusion of the Agreement is the complete and unconditional acceptance and observance by the User of the terms and conditions of the Agreement.

2.4. The Agreement may be amended by the Administration at any time. The form and nature of the services provided are subject to change without prior notice to the User. The Owner has the right, at its sole discretion, to terminate (temporarily or permanently) the provision of services (or any individual functions within the services) to all Users in general or to a specific User, in particular, without prior notice.

2.5. The Agreement is an open and public document. If the User continues to use the Website after the publication of changes, they are deemed to have accepted the relevant changes.

2.6. The Agreement is governed by the civil legislation of the Russian Federation, including Law of the Russian Federation No. 2300-1 dated 07.02.1992 "On Consumer Rights Protection", Federal Law No. 152-FZ dated 27.07.2006 "On Personal Data", Federal Law No. 38-FZ dated 13.03.2006 "On Advertising", and subordinate legislation.

2.7. The Administration provides the User with the services of the Website and any information contained on the Website "as is", without any guarantees whatsoever:

- Is not responsible for the speed and smooth operation of the Website.

- Is not responsible for any actions of Users on the Website.

- Is not responsible for the absence of errors or viruses during the Website operation.

2.8. If errors occur during the operation of the Service or in the Content posted on it, please contact the Administration using the contact details specified in section 6 of the Agreement.

2.9. The User agrees to receive from the Administration to the e-mail address specified by the User when registering on the Website, information messages about changes to and new features of the Website, about amendments to the Agreement, as well as mailings of the informing or advertising character.


3.1. The exclusive rights to the content of the Website belong to the Website Administration, as well as to the legal owners of the materials posted on the Website.

3.2. The Website contains materials, trademarks and other intellectual property items protected by law, including, but not limited to: texts, photographs.

3.3. All content of the Website, as well as materials posted separately, are protected in accordance with the legislation of the Russian Federation as copyright items.

3.4. The User has no right to copy, publish, transfer to any third parties, otherwise distribute, process or otherwise use, partially or completely, the content of the Website (including materials posted separately).


4.1. The Website Administration has the right to:

4.1.1. change the content of the Website and the Content posted on it, amend the rules for using the Website. Changes come into force from the time the new version of the Agreement is published on the Website. In the event that, after the publication of the amended (new) version of the Agreement, the User continues to use the Website, they are deemed to have agreed with the amended (new) rules for using the Website.

4.2. The Website Administration is obliged to:

4.2.1. ensure the security of personal data of Users from access by any third parties;

4.2.2. ensure the compliance of the Content with the rules of the applicable laws of the Russian Federation.

4.3. The User has the right to:

4.3.1. use all the services available on the Website, including the ability to:

- share the Content on social media;

- comment on the publications via their social media.

4.3.2. require the Website Administration to hide (delete) any information about themselves.

4.4. The User is obliged to:

4.4.1. use the Website solely for the purposes and in the manner prescribed by the Agreement and not prohibited by the legislation of the Russian Federation.

4.4.2. submit, upon the request of the Website Administration, any extra information that is directly related to the services provided by the Website.

4.4.3. not to take any actions that may be considered as disrupting the normal operation of the Website.

4.4.4. not to distribute, using the Website, any confidential and other information protected by the legislation of the Russian Federation about any individuals or legal entities.

4.4.5. avoid any actions as a result of which the confidentiality of information protected by the legislation of the Russian Federation may be violated.

4.4.6. not to use the Website to distribute advertising information, except with the consent of the Website Administration.

4.4.7. not to use the Service for the purpose of:

- violating the rights of minors and (or) causing harm to them in any form;

- infringing on the rights of minorities;

- representing themselves for other persons or representatives of organizations and (or) communities without sufficient rights, including for the employees of the Website;

- uploading content that is illegal, violates any rights of any third parties - promotes violence, cruelty, hatred and (or) discrimination on racial, ethnic, gender, religious, social grounds, contains inaccurate information and (or) insults to specific persons, organizations, authorities;

- encouraging the commission of illegal actions, as well as assisting persons whose actions are aimed at violating the restrictions and prohibitions in force on the territory of the Russian Federation.


5.1. The harm and (or) losses that the User may incur as a result of intentional or careless actions of another User (Users) are not reimbursed by the Website Administration.

5.2. The Website Administration is not liable for:

5.2.1. failures and delays in the operation of the Website;

5.2.2. actions of transfer systems, banks, payment systems and for delays associated with their operation;

5.2.3. proper functioning of the Website if the User does not have the required technical means to use it, as well as does not bear any obligations to provide users with such means;

5.3. The Website Administration has the right to terminate and (or) block access to the Website without prior notice to the User if the User has violated the Agreement or the terms of use of the Website contained in other documents, as well as in the event of termination of the Website or due to a technical difficulty or problem.

5.4. The Website Administration is not liable to the User or any third parties for the termination of access to the Website if the User has violated any provision of the Agreement or another document containing the terms of use of the Website.


6.1. The personal data of Users is processed by the Website Administration in accordance with the Personal Data Processing Policy.

6.2. The Website Administration has the right to disclose information about the User if the applicable legislation of the Russian Federation requires or permits such disclosure.


Any questions regarding the Agreement can be sent to the Website Administration:


8.1. In the event of any disagreement or dispute between the Parties to this Agreement, a prerequisite before going to court is a presentation of a claim (a written proposal for a voluntary settlement of the dispute).

8.2. The recipient of the claim shall, within 30 calendar days following the date of its receipt, notify the claimant in writing about the results of the consideration of the claim.

8.3. If it is impossible to resolve the dispute in the course of pre-court dispute settlement procedure, the dispute is submitted to the court at the location of the Administration.

8.4. In all other matters not covered by this Agreement, the Parties shall be guided by the applicable laws of the Russian Federation.

8.5. This Agreement enters into force for the User at the time of their accession to it and is valid for an indefinite period.

8.6. If there is a conflict or a contradiction between the provisions of this User Agreement and any other provisions of the Website applicable to a specific section of the Website, this User Agreement shall prevail with respect to the User's use of the relevant Website.