1. General Provisions
1.1. These Payment and Refund Rules (hereinafter referred to as the "Rules") govern the payment procedures for the Services provided on the bazi.cards website and the refund of funds in established cases.
1.2. These Rules are an integral part of the Public Offer and apply in conjunction with it.
1.3. By making a payment on the Site, the Customer confirms that they are familiar with these Rules and agree to their terms.
2. Payment Methods
2.1. The following payment methods are accepted on the Site in Russian roubles:
2.2. Payments are made through payment services connected by the Provider (ЮKassa and others). The Customer's payment data (card number, CVV, expiration date) is processed exclusively by the payment service over a secure communication channel (PCI DSS) and is not stored on the Provider's servers.
2.3. All prices on the Site are indicated in Russian roubles and include applicable taxes. Prices may be changed by the Provider unilaterally; new prices apply to orders placed after the change.
3. Payment Procedure
3.1. To make a payment, the Customer:
- selects a Service on the Site (calculation, report, subscription, Oracle credits, etc.);
- checks the box "I accept the terms of the Public Offer and consent to the processing of personal data";
- clicks the "Pay" button and is redirected to the payment service page;
- enters payment details on the payment service side and confirms the transaction;
- returns to the Site; the order status is displayed in the Personal Account.
3.2. The moment of payment is considered the moment the Provider receives confirmation from the payment service of a successful transaction (status "succeeded", "paid", or similar).
3.3. After successful payment, the Service is provided automatically (section 5 of the Public Offer): the Customer is granted access to the Report in the Personal Account and/or sent to the email address, or credits are deducted for interactive functionality.
4. Receipt
4.1. The receipt is automatically generated in accordance with the applicable tax regime for the Provider and is sent to the Customer in electronic form to the email address specified when placing the order.
4.2. The receipt includes:
- name of the Service;
- payment amount;
- date and time of the transaction;
- payer identifier (Provider);
- other mandatory details in accordance with the legislation.
4.3. If the receipt is not received, the Customer should contact support@bazi.cards indicating the payment date and amount.
5. Conditions for Refund
5.1. The Service is considered rendered at the moment of:
- the formation and display of the Report in the Personal Account;
- or sending the Report to the Customer's email;
- or providing a link to download the PDF / other electronic document;
- or deducting credits in interactive functionality.
5.2. From the moment specified in paragraph 5.1, the refund of the paid funds for the rendered Service is not made, which corresponds to the provisions of part 2 of Article 32 of Law No. 2300-1 and the norms of the Civil Code of the Russian Federation regarding digital content.
5.3. Refunds are possible only in the following cases:
5.3.1. Technical Error of the Provider
If the Report is not generated by the Software Module within 24 (twenty-four) hours from the moment of successful payment without the Customer's fault. The refund period is up to 10 working days from the confirmation of the fact.
5.3.2. Double Charge
If two or more identical transactions for one order are recorded, the repeated transactions are automatically refunded within 5 working days.
5.3.3. Technically Unreleased Service
If the Customer has paid for a Service temporarily unavailable for provision due to the Provider's actions (scheduled maintenance, catalog error), the full amount is refunded within 10 working days.
5.3.4. Other Grounds Provided by Law
In other cases where a refund is directly provided by imperative norms of Russian legislation.
5.4. No refunds are made in the following cases:
- subjective disagreement of the Customer with the content of the Report;
- discrepancies between the analytical conclusions of the Report and the Customer's real-life events;
- Customer errors when entering input data (date, time, place of birth, email, etc.);
- Customer refusal of the Service after it has been rendered;
- failure to receive the email with the receipt due to an incorrect address provided by the Customer;
- exceeding 90 (ninety) calendar days from the date of Service provision.
6. Procedure for Requesting a Refund
6.1. To request a refund, the Customer sends a written request to support@bazi.cards with the following information:
- Customer's full name;
- email linked to the Personal Account;
- payment identifier (receipt number);
- date and amount of payment;
- description of the grounds for the refund (with attachments of screenshots/documents if necessary);
- bank details for the refund (as a rule, funds are returned in the same way as the payment was made).
6.2. The review period for the request is up to 10 (ten) working days from the moment of receipt.
6.3. Following the review, the Provider sends a reasoned response to the same email. In case of a positive decision, the refund is made within 10 (ten) working days from the date of the decision.
6.4. The refund is made in the same way and to the same payment unit from which the payment was made, unless otherwise agreed by the Parties.
7. Dispute and Claim Procedure
7.1. All disputes regarding payment and refunds are resolved through the claim procedure. The Party that believes its rights have been violated must send a claim to support@bazi.cards.
7.2. The response period for the claim is 30 (thirty) calendar days from the moment of its receipt.
7.3. Failure to comply with the claim procedure (including direct contact with the issuing bank with a chargeback request without prior contact with the Provider) is grounds for leaving the Customer's claims unfulfilled and does not relieve the Customer of obligations to the Provider (see also section 8 of the Public Offer regarding the procedure for disputing payments).
8. Payment Security
8.1. All payments on the Site are processed through certified payment services that support PCI DSS security standards.
8.2. The Customer's payment data (card number, CVV, expiration date) is not transmitted to the Provider and is not stored on its servers. They are processed exclusively on the payment service side over a secure communication channel.
8.3. All data transmitted between the Customer's browser and the Site is encrypted using the HTTPS protocol (TLS 1.2 and above).