Public Offer for Service Provision

1. Terms and Definitions

Provider — Sole Proprietor Ekaterina V. Sazonova (INN 861504991722).

Customer — a capable individual who has reached the age of 18 and has accepted this Offer in the manner specified in Section 2.

Website — the software and hardware complex located on the Internet at bazi.cards and its subdomains.

Software Module (Service) — an automated computing program on the Website that generates analytical reports based on Eastern metaphysics systems.

Service — providing the Customer access to the Software Module and/or to the results of its work in the form of an electronic document.

Report — an electronic document (text block, HTML page, PDF file, audio recording) generated by the Software Module based on the Customer's input data.

Personal Account — a closed part of the Website that the Customer accesses after registration.

Credit / Oracle Unit — an internal accounting unit consumed with each use of the "Oracle" functionality and similar interactive services.

2. General Provisions and Acceptance of the Offer

2.1. This document is a public offer from the Provider in accordance with Article 437 of the Civil Code of the Russian Federation and contains all essential terms of the Service Agreement.

2.2. The full and unconditional acceptance of this Offer, in accordance with paragraph 3 of Article 438 of the Civil Code of the Russian Federation, is recognized as the Customer performing any of the following actions (in the specified order of priority):

• checking the box "I accept the terms of the Public Offer and consent to the processing of personal data" before payment;
• actual payment for the selected Service;
• registration of a Personal Account on the Website.

2.3. By accepting, the Customer confirms that:

1. they have read the full text of this Offer, the Privacy Policy, and the Payment and Refund Rules;
2. they understand all the terms, including Section 4 (Disclaimer of Warranties) and Section 7 (Refund Procedure);
3. they agree with the specified terms without any exceptions, additions, or special opinions;
4. they accept them as mandatory for the execution of the Agreement.

2.4. The Agreement between the Parties is considered concluded from the moment of acceptance and is valid until all obligations are fully performed.

3. Subject of the Agreement

3.1. The Provider undertakes to provide the Customer with paid access to the Software Module for generating Reports based on Eastern metaphysics systems (BaZi — "四柱推命", the system of Four Pillars of Destiny), and the Customer undertakes to pay for the Service.

3.2. Types of Services available under the Agreement:

• Basic Calculation — generation of the structure of the Four Pillars based on the date, time, and place of birth;
• Extended Analytical Report — generation of a text interpretation of the natal chart in the format of an electronic document (HTML / PDF / MP3);
• Compatibility Analysis — comparison of two natal charts based on classical algorithms;
• Annual / Periodic Forecast — algorithmic interpretation of the interaction of the natal chart with active calendar pillars;
• Selection of an Auspicious Date — algorithmic scoring of calendar dates;
• Access to the "Oracle" Functionality — an interactive Q&A service based on the user's chart, implemented through credits or subscription;
• Subscription — periodic paid access to the functionality of the Software Module for a specified period.

3.3. The current list of Services, their composition, volume, and cost are published on the Website. The Provider has the right to unilaterally change the composition and cost of the Services. The conditions in effect at the time of acceptance apply to already paid Services.

4. Nature of the Service. Significant Disclaimer of Warranties

4.1. The Software Module implements algorithmic modeling based on classical texts of Eastern metaphysics. The Service is not:

• a forecast of the future, prediction, divination, or any other service of an esoteric nature;
• a medical, psychological, psychotherapeutic, psychiatric, or any other healing or diagnostic service;
• a financial, investment, legal, educational, or any other professional consultation;
• an activity requiring licensing or special permission in accordance with the legislation of the Russian Federation.

4.2. All Reports, texts, recommendations, and analytical conclusions of the Software Module are exclusively informational, are the result of mathematical modeling, and do not guarantee the occurrence of any specific life events, states, or results in the real life of the Customer or third parties.

4.3. The Customer understands and agrees that:

1. the content of the Reports is the product of algorithmic interpretation and depends on the quality and accuracy of the input data provided by the Customer;
2. any decisions made by the Customer based on the Reports are made independently, at their own risk and under their own responsibility;
3. The Provider does not provide any explicit or implied guarantees regarding the accuracy, completeness, applicability, or compliance of the Reports with the Customer's expectations;
4. The Service is provided on an "AS IS" and "AS AVAILABLE" basis.

4.4. The Customer confirms that they consciously and voluntarily acquire the Service, understand its informational nature, and agree that subjective disagreement with the content of the Report or its inconsistency with real-life events does not constitute grounds for a refund of the paid funds.

5. Procedure for Service Provision and Moment of Performance

5.1. Services are provided by the Provider in a fully automated mode through the Website.

5.2. The Service is considered fully provided and accepted by the Customer without remarks at the moment that occurs earlier:

• the moment the Report is generated and displayed in the Customer's Personal Account, or
• the moment the Report is sent to the Customer's email address, or
• the moment the Customer is provided with a link to download the PDF file / other electronic document, or
• the moment the credit / subscription unit is deducted when using the interactive functionality.

5.3. By checking the acceptance box for the Offer when placing an order, the Customer expressly agrees to the immediate commencement of the Service before the expiration of the period during which they could refuse to perform the Agreement, and confirms that they are aware of the resulting loss of the right to refuse the Service (part 2 of Article 32 of Law No. 2300-1).

5.4. The fact of acceptance of the Service, signed electronically, is recorded by the Provider in the event log of the Software Module (timestamp, IP address, user-agent, session ID, payment ID) and serves as proof of the provision of the Service in case of dispute.

6. Cost, Payment, and Receipt

6.1. The cost of the Services is indicated on the Website in Russian roubles and includes all applicable taxes, fees, and commissions.

6.2. Payment is made in cashless form through payment services connected by the Provider (YuKassa, SBP, bank cards Mir/Visa/Mastercard, and others).

6.3. The moment of payment is considered the moment the funds are credited to the Provider's settlement account or the payment service generates confirmation of a successful transaction (status "succeeded", "paid", or similar).

6.4. A receipt is generated in accordance with Federal Law No. 422-FZ dated November 27, 2018 "On Conducting an Experiment to Establish a Special Tax Regime 'Tax on Professional Income'" or any other applicable tax regime for the Provider and is sent to the Customer in electronic form to the email address specified when placing the order.

6.5. The Customer must provide a correct email address for receiving the receipt. The Provider is not responsible for the non-receipt of the receipt due to the Customer providing an incorrect address.

7. Refunds

7.1. As a general rule, refunds for the paid Service are not made due to the digital nature of the Service (see p. 5.2 and the normative reference provided there) and the moment of its provision (see p. 5.2).

7.2. Refunds are made exclusively in the following cases:

1. Technical Error of the Provider — the Report was not generated by the Software Module within 24 (twenty-four) hours from the moment of payment without the Customer's fault;
2. Double Charge — recording of two or more identical transactions for one order;
3. Payment for an Unreleased Service — the Customer paid for a Service temporarily unavailable for provision due to the Provider's actions.

7.3. Refunds are not made in cases of:

• subjective disagreement of the Customer with the content of the Report;
• discrepancy of the analytical conclusions of the Report with the real-life events of the Customer;
• the Customer's error when entering input data (date, time, place of birth, etc.);
• the Customer's refusal of the Service after it has been provided (p. 5.2);
• any other grounds not explicitly listed in p. 7.2.

7.4. To request a refund, the Customer sends a written application to support@bazi.cards indicating: full name, payment ID, payment date, amount, description of the grounds for the refund, and details for the transfer of funds.

7.5. The application review period is up to 10 (ten) working days. The refund period after a positive decision is up to 10 (ten) working days. The refund is made using the same method as the payment.

7.6. Detailed refund rules are outlined in the document "Payment and Refund Rules".

8. Chargebacks and Payment Disputes

8.1. If the Customer contacts the issuing bank with a statement disputing the payment (chargeback) without prior written communication to the Provider at support@bazi.cards, the Customer hereby confirms that:

1. they are violating the claim procedure established in p. 16.1 of this Offer;
2. The Provider has the right to present evidence of the Service provision to the payment system (timestamp of Report generation, IP address, user-agent, fact of PDF download, acceptance of the Offer, session log data);
3. in case the bank satisfies the Customer's chargeback request, the Provider has the right to demand compensation from the Customer for losses, including the amount of the payment system commission withheld, the actual service provided, and penalties from the payment system for an unjustified chargeback.

8.2. Before contacting the issuing bank, the Customer must send a claim to the Provider in the manner established in Section 16. Non-compliance with the claim procedure is grounds for leaving the Customer's claims unfulfilled and does not deprive the Provider of the right to dispute the chargeback in the payment system.

8.3. The Provider's evidence base when disputing a chargeback includes: access IP logs, logs of acceptance of the Offer, facts of downloading/viewing Reports, correspondence with the Customer, copies of payment receipts. This data is retained by the Provider for 3 (three) years after the service ends.

9. Rights and Obligations of the Parties

9.1. The Provider undertakes to:

• ensure round-the-clock access to the Software Module, taking into account necessary technical maintenance and scheduled work;
• process the Customer's personal data in accordance with the legislation of the Russian Federation and the Privacy Policy;
• provide receipts in accordance with the applicable tax regime;
• provide the Service in the volume and timelines stated on the Website.

9.2. The Provider has the right to:

• unilaterally change the composition, volume, and cost of the Services with publication on the Website;
• refuse to provide the Service to a Customer acting in bad faith (multiple chargebacks, mass abuse of functionality, hacking attempts);
• suspend or terminate the Customer's access to the Service in case of violation of this Offer;
• involve third parties for the execution of certain functions (hosting, payment gateways, receipt distribution, etc.).

9.3. The Customer undertakes to:

• provide accurate data when ordering the Service;
• pay for the Service in the manner and within the timelines established on the Website;
• not use the Website and the results of the Service for purposes contrary to the legislation of the Russian Federation;
• not transfer access to the Personal Account to third parties and bear full responsibility for all actions performed on their behalf;
• independently monitor the accuracy of the specified contact email address.

9.4. The Customer has the right to:

• use the paid Service in full;
• receive information about the order status in the Personal Account;
• contact the Provider at support@bazi.cards with questions and claims.

10. Confirmations and Assurances of the Customer

10.1. By accepting the Offer, the Customer assures and guarantees to the Provider that:

1. they have reached the age of 18 (eighteen) and possess full legal capacity; in case of non-compliance — they act with the consent of a legal representative;
2. they have independently, voluntarily, and consciously made the decision to acquire the Service, without any coercion, delusion, or misleading by the Provider or third parties;
3. they understand the informational nature of the Service (Section 4) and do not perceive it as professional consultation or a guarantee of any events;
4. they are not in a state that limits their ability to make conscious decisions (including under the influence of alcohol, drugs, or psychotropic substances);
5. they waive any claims based on subjective disagreement with the content of the Report or discrepancies between analytical conclusions and real-life events;
6. they will not make claims based on emotional state after reviewing the Report;
7. they have been informed that the Report is the result of the Provider's intellectual activity and is subject to protection in accordance with Section 12 of this Offer.

10.2. The assurances set forth in this section are of significant importance to the Provider and are the basis for concluding the Agreement. In case of any inaccuracy of any of them, the Provider has the right to refuse the Customer service and retain the actual expenses incurred.

11. Limitation of Liability

11.1. The Provider is not liable for:

• decisions made by the Customer based on the Report and any consequences thereof (direct, indirect, incidental, punitive, reputational, moral);
• lost profits of the Customer, loss of data, or other commercial losses;
• results of applying the Reports for medical, legal, financial, educational, or other professional purposes;
• interruptions in the operation of the Website caused by circumstances beyond the Provider's control (DDoS attacks, actions of communication providers, updates of payment services, force majeure);
• actions of third parties, including hosting providers, payment services, and content delivery networks.

11.2. The aggregate property liability of the Provider to the Customer for all claims related to the Agreement is limited in any case to the amount actually paid by the Customer for the specific order related to the claim.

11.3. The Customer agrees that this limitation of liability is a significant condition of the Agreement, without which the Agreement would not have been concluded.

12. Intellectual Property

12.1. All elements of the Website (software code, design, texts, illustrations, fonts, audio and video materials, knowledge bases, Software Module, Report templates) are the result of the Provider's intellectual activity and/or its licensors and are protected in accordance with Part IV of the Civil Code of the Russian Federation.

12.2. By paying for the Service, the Customer receives a simple (non-exclusive) non-transferable license to use the Report exclusively for personal, non-commercial purposes. It is prohibited to:

• copy, reproduce, and distribute Reports and/or content of the Website for commercial purposes;
• create derivative works based on the Reports;
• provide access to the Personal Account or Reports to third parties on a paid basis;
• reverse-engineer the Software Module, attempt to extract the knowledge base.

12.3. Violation of the provisions of this section entails liability established by applicable law, including the recovery of compensation up to 5,000,000 roubles (Article 1301 of the Civil Code of the Russian Federation).

13. Personal Data

13.1. The processing of the Customer's personal data is carried out in accordance with Federal Law No. 152-FZ "On Personal Data" and the Privacy Policy posted on the Website.

13.2. By accepting this Offer, the Customer provides the Provider with consent to process their personal data, including (but not limited to): last name, first name, patronymic (if any), date, exact time and place of birth, email address, IP address, payment identifiers, action logs in the Personal Account.

13.3. The Customer is informed of the right to withdraw their consent to the processing of personal data by sending a corresponding statement to support@bazi.cards. Withdrawal of consent entails the termination of the Service provision.

14. Force Majeure

14.1. The Parties are released from liability for full or partial non-performance of obligations if it is due to force majeure circumstances arising after the conclusion of the Agreement and not dependent on the Parties (natural disasters, military actions, acts of government authorities, significant changes in payment infrastructure, mass interruptions in the operation of the Internet, epidemics, etc.).

14.2. The Party for whom force majeure circumstances have arisen must notify the other Party within a reasonable time.

15. Amendment and Termination of the Agreement

15.1. The Provider has the right to unilaterally amend this Offer by publishing a new edition on the Website. The new edition comes into effect from the moment of its publication.

15.2. The relations arising before the publication of the new edition are governed by the edition in effect at the time of acceptance.

15.3. The Agreement may be terminated:

• by mutual agreement of the Parties;
• at the initiative of the Provider in cases provided for in p. 9.2;
• in cases expressly provided for by the legislation of the Russian Federation.

15.4. Termination of the Agreement does not release the Parties from liability for violations committed before its termination.

16. Dispute Resolution and Jurisdiction

16.1. All disputes between the Parties shall be resolved in a claim procedure. The Party that believes its rights have been violated must send a written claim to the other Party at support@bazi.cards (for the Customer — to the Contractor's email, for the Contractor — to the Customer's email specified during registration).

16.2. The response time for a claim is 30 (thirty) calendar days from the moment of its receipt.

16.3. Failure to comply with the claim procedure is grounds for leaving the lawsuit without consideration.

16.4. If it is impossible to resolve the dispute in the claim procedure, the dispute shall be referred to the court at the Contractor's place of residence (contractual jurisdiction under Article 32 of the Civil Procedure Code of the Russian Federation), except in cases where applicable consumer protection legislation does not allow for a change of jurisdiction; in such cases, the jurisdiction established by law shall apply.

16.5. The Agreement is governed by the substantive law of the Russian Federation.

17. Final Provisions

17.1. If any provision of this Offer is found to be invalid, it does not affect the validity of the remaining provisions.

17.2. The Parties recognize equal legal force for documents in written form and in electronic form, sent by email (support@bazi.cards for the Contractor; the email specified by the Customer during registration — for the Customer).

17.3. The Customer agrees that the log data of the Site (timestamp of actions, IP address, user-agent, payment identifiers) constitutes proper evidence of actions taken by them in the event of disputes.

17.4. This Offer is drafted in Russian. Translations of the Offer into other languages are for informational purposes; in case of discrepancies, the Russian version takes precedence.

18. Contractor's Details