User Agreement of BCB Credit Service
1. General Provisions
1.1. BCB Credit (hereinafter referred to as the “Service”) offers the Internet user (hereinafter referred to as the “User”) to use its services under the terms and conditions set out in this User Agreement (hereinafter referred to as the “Agreement”, “UA”). The Agreement shall enter into force from the moment the User expresses consent to its terms in the manner prescribed by clause 1.4 of the Agreement.
1.2. The Service offers Users access to a wide range of services, including access to the ability to transfer funds abroad without limits and investments (hereinafter referred to as the “Services”).
1.3. Use of the Service is governed by this Agreement and the Privacy Policy. The Agreement may be amended by the Service without any special notice, the new version of the Agreement shall enter into force from the moment it is posted on the Internet on the Service website, unless otherwise provided by the new version of the Agreement.
1.4. By starting to use the Service or individual functions, the User is considered to have accepted the terms of the Agreement in full, without any reservations or exceptions. If the User disagrees with any of the provisions of the Agreement, the User has no right to use the Services. If the Service has made any changes to the Agreement in the manner prescribed by paragraph 1.3 of the Agreement, with which the User does not agree, he/she is obliged to stop using the Service.
2. General provisions on use and storage
2.1. The Service has the right to establish restrictions on the use of services for all Users, or for certain categories of Users, including: the presence/absence of certain functions.
2.2. The Service has the right to send informational messages to its users. The User also, in accordance with Part 1 of Article 18 of the Federal Law "On Advertising", gives his consent to receive advertising messages. The User has the right to refuse to receive advertising messages by sending a request to the Service.
2.3. In order to improve quality, the Service has the right to collect opinions and feedback from Users on various issues by sending an information message during the User's next visit to the service, or by communicating using the contact information specified by the User in the account (via chats in messengers or emails). The collected opinions and feedback may be used to generate statistical data that may be used by the Service for analytics and improvement of work.
2.4. The User undertakes to ensure the safety and confidentiality of their account data, and to ensure that third parties are unable to access the devices on which the account data is stored and used for authorization by default;
2.5. The User undertakes to immediately notify the Service of any case of unauthorized (not permitted by the User) access to the User’s authorized area by contacting the Customer Support Service.
2.6. The User is responsible for all actions (and their consequences) when using the Service, including cases where the User transfers data for accessing the Service to third parties. In this case, all actions when using the Service, performed using the User's credentials, are considered to be performed by the User himself.
3. Terms of Use of the Service
3.1. The User shall be solely responsible to third parties for their actions related to the use of the Service, including if such actions lead to the violation of the rights and legitimate interests of third parties, as well as for compliance with the law when using the Service.
3.2. When using the Services, the User has no right to:
3.2.1. Upload, send, transmit or in any other way post and/or distribute content that is illegal, harmful, defamatory, offensive to morality, demonstrates (or is propaganda) of violence and cruelty, is recognized as extremist on the basis of decisions and acts adopted by state authorities of the Russian Federation, violates intellectual property rights, promotes hatred and/or discrimination against people on racial, ethnic, sexual, religious, social grounds, contains insults against any individuals or organizations, contains elements of (or is propaganda of) pornography, child erotica, is an advertisement (or is propaganda) of services of a sexual nature (including under the guise of other services), explains the procedure for the manufacture, use or other use of narcotic substances or their analogues, explosives or other weapons;
3.2.2. Impersonate another person or a representative of an organization and/or community without sufficient rights to do so, including as employees of the Service, as forum moderators, as a website owner, as well as use any other forms and methods of illegally representing other persons on the network, as well as mislead users or the Service regarding the properties and characteristics of any subjects or objects;
3.3. The User understands and agrees that the technology of the Services may require copying (reproduction) of the User’s content of the Service, as well as processing it to meet the technical requirements of the Service.
4. Exclusive rights to the content of the Services and content
4.1. All objects accessible through the Service, 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 posted on the Services, are objects of exclusive rights of the Service and other copyright holders.
4.2. Use of content, as well as any other elements of the Service, is possible only within the framework of the functionality offered by a particular product of the Service. No elements of the content of the Service, as well as any content posted on the Service, may be used in any other way without the prior permission of the copyright holder. Use means, among other things: reproduction, copying, processing, distribution on any basis, display in a frame, etc. Exceptions are cases directly provided for by the legislation of the Russian Federation or the terms of use of a particular Service. The use by the User of elements of the content of the Service, as well as any content for personal non-commercial use, is permitted provided that all copyright signs, related rights, trademarks, other notifications of authorship are preserved, the name (or pseudonym) of the author/title of the copyright holder is preserved unchanged, and the corresponding object is preserved unchanged.
4.3 By posting a review or comment on the Service's resources, the User automatically, free of charge, unconditionally and irrevocably grants the Service a non-exclusive right to use such reviews and comments throughout the world without time limitation at the discretion of the Service, including, but not limited to, the reproduction, copying, selection, systematization, transformation, modification, editing, translation, publication, distribution, broadcast, cable transmission, and dissemination to the public of such information (in part or in full) by any legal means.
4.4. The User confirms that he/she has the appropriate rights and powers to grant the Service the above-mentioned non-exclusive right to use the posted information. In such circumstances, the Service has the right to use the relevant comment or review, both with and without the name of the author of such information (in this case, the name (pseudonym) of the User, which he/she indicated when filling out the review form on the Site, will be indicated as the author's name). The Service Administration has the right to transfer the rights specified in this paragraph to its partners.
5. Third party sites and content
5.1. The Services may contain links to other websites on the Internet (third-party websites). The said third parties and their content are not checked by the Service for compliance with any requirements (reliability, completeness, legality, etc.). The Service is not responsible for any information or materials posted on third-party websites to which the User gains access using the Services, including any opinions or statements expressed on third-party websites, advertising, etc., as well as for the availability of such websites or content and the consequences of their use by the User.
5.2. A link (in any form) to any website, product, service, any information of a commercial or non-commercial nature posted on the Site does not constitute an endorsement or recommendation of these products (services, activities) by the Service.
5.3. The legislation of the Russian Federation prohibits the distribution of extremist materials, as well as their production or storage for the purpose of distribution. The Service prohibits the publication of links and symbols related to organizations recognized as extremist on the basis of decisions and acts of state authorities.
6. Advertising on the Service
6.1. The Service shall not be liable for advertising placed on its resources, within the limits established by the legislation of the Russian Federation.
7. No warranties, limitation of liability
7.1 The User uses the Services at his/her own risk. The Services are provided "as is". The Service does not assume any responsibility, including for the compliance of the Services with the User's purposes;
7.2. The Service does not guarantee that: the Service meets/will meet the User’s requirements; the services will be provided continuously, quickly, reliably and without errors; the results that may be obtained using the services will be accurate and reliable and may be used for any purposes or in any capacity (e.g. to establish and/or confirm any facts); the quality of any product, service, information, etc., obtained using the services will meet the User’s expectations;
7.3. The Service shall not be liable for any types of losses that occur as a result of the User’s use of the Services or its individual parts/functions;
8. Other provisions
8.1. This Agreement constitutes an agreement between the User and the Service regarding the procedure for using the Service and supersedes all previous agreements between the User and the Service.
8.2. Nothing in the Agreement may be understood as establishing between the User and the Service an agency relationship, a partnership relationship, a joint venture relationship, a personal employment relationship, or any other relationship not expressly provided for in the Agreement.
8.3. If for any reason one or more provisions of this Agreement are found to be invalid or unenforceable, this shall not affect the validity or applicability of the remaining provisions of the Agreement.
8.4. Inaction on the part of the Service in the event of a violation by the User or other users of the provisions of the Agreements does not deprive bcb.credit of the right to take appropriate actions to protect its interests later, and does not mean that the Service waives its rights in the event of subsequent similar or similar violations.
7. No warranties, limitation of liability
7.1 The User uses the Services at his/her own risk. The Services are provided "as is". The Service does not assume any responsibility, including for the compliance of the Services with the User's purposes;
7.2. The Service does not guarantee that: the Service meets/will meet the User’s requirements; the services will be provided continuously, quickly, reliably and without errors; the results that may be obtained using the services will be accurate and reliable and may be used for any purposes or in any capacity (e.g. to establish and/or confirm any facts); the quality of any product, service, information, etc., obtained using the services will meet the User’s expectations;
7.3. The Service shall not be liable for any types of losses that occur as a result of the User’s use of the Services or its individual parts/functions;
8. Other provisions
8.1. This Agreement constitutes an agreement between the User and the Service regarding the procedure for using the Service and supersedes all previous agreements between the User and the Service.
8.2. Nothing in the Agreement may be understood as establishing between the User and the Service an agency relationship, a partnership relationship, a joint venture relationship, a personal employment relationship, or any other relationship not expressly provided for in the Agreement.
8.3. If for any reason one or more provisions of this Agreement are found to be invalid or unenforceable, this shall not affect the validity or applicability of the remaining provisions of the Agreement.
8.4. Inaction on the part of the Service in the event of a violation by the User or other users of the provisions of the Agreements does not deprive bcb.credit of the right to take appropriate actions to protect its interests later, and does not mean that the Service waives its rights in the event of subsequent similar or similar violations.
7. No warranties, limitation of liability
7.1 The User uses the Services at his/her own risk. The Services are provided "as is". The Service does not assume any responsibility, including for the compliance of the Services with the User's purposes;
7.2. The Service does not guarantee that: the Service meets/will meet the User’s requirements; the services will be provided continuously, quickly, reliably and without errors; the results that may be obtained using the services will be accurate and reliable and may be used for any purposes or in any capacity (e.g. to establish and/or confirm any facts); the quality of any product, service, information, etc., obtained using the services will meet the User’s expectations;
7.3. The Service shall not be liable for any types of losses that occur as a result of the User’s use of the Services or its individual parts/functions;