ZA GROUP | ZARETSKAYA ADVISORY
Public Offer
Agreement for the purchase of ZA Tools digital products and consulting services
Edition of 13 October 2026 · This is an English translation provided for convenience. In case of any discrepancy, the Russian version prevails.
Paying for an order or requesting a service means accepting this offer. A digital product is delivered by e-mail or in your account right after payment, together with a non-exclusive licence. Refunds: in full before delivery; after delivery only for defects. The offer is governed by Russian law. - ZA GROUP, OCTOBER 2026
Contents
1. Definitions
2. Subject and acceptance
3. Digital product: delivery and quality
4. Licence
5. Services
6. Price and payment
7. Refunds and consumer rights
8. Liability
9. Personal data
10. Governing law and disputes
1. Definitions
1.1.
Seller (Provider) - Svetlana Igorevna Zaretskaya, tax ID 245209764872, registration no. […], address: Republic of Belarus, Minsk, Igorya Luchenka St., 1.
1.2.
Customer - an individual with legal capacity, a legal entity or an individual entrepreneur that accepts this offer.
1.3.
Website - [https://zareckaya.com]. ZA Tools store - the part of the Website where digital products are sold.
1.4.
Digital product - a file or set of files (Excel templates, calculation models, calculators, methodological materials) or access to them in your account, as described on the product page.
2. Subject and acceptance
2.1.
The Seller undertakes to deliver the Digital product and grant rights to use it and/or to provide the Services; the Customer undertakes to pay for them under this offer.
2.2.
This document is a public offer (Art. 437 of the Civil Code of the Russian Federation). The agreement is concluded upon acceptance - payment of the order or confirmation of a Services order on the Website (Art. 438).
2.3.
By placing an order the Customer confirms that it has read the offer, the product or service description, the price and the refund terms, and the Privacy Policy. Consent for processing personal data needed to perform the agreement is not required separately.
2.4.
The Seller may amend the offer. Amendments take effect on publication and do not apply to orders already paid.
3. Digital product: delivery and quality
3.1.
The description, composition, required Excel version and language are stated on the product page. The Customer checks that its software meets the requirements.
3.2.
Delivery is electronic: a download link is sent to the e-mail given in the order and/or access is opened in the account. The product is deemed delivered when the link is sent or access is opened, normally immediately after payment is confirmed and no later than 1 business day. Please check your spam folder and write to info@zareckaya.com if nothing arrives.
3.3.
The product performs standard calculations according to its built-in logic; the result depends on the data entered by the Customer. It is not individual advice and is not investment, tax or legal advice.
3.4.
The Seller fixes confirmed defects (the file does not open, formulas work differently from the description) free of charge within 10 business days of notice by replacement or a corrected version.
4. Licence
4.1.
From payment the Customer receives a simple (non-exclusive) licence to use the Digital product on the terms below. Territory - worldwide. Term - for the full term of the exclusive right. The remuneration is included in the price.
4.2.
The Customer may:
- use the product for its own needs: an individual for personal and professional tasks, an organisation within the organisation;
- change input data and parameter values for its own tasks;
- make one backup copy.
4.3.
The Customer may not:
- copy, resell, transfer, rent, publish or otherwise distribute the product or access to it, including within its own products or training materials;
- remove protection or notices of the right holder and the ZA GROUP mark;
- use the product to provide services to third parties as a standalone product without the Seller's written consent.
4.4.
The exclusive right to the products belongs to the Seller. Breach of the licence terminates the right of use and entails liability under law.
5. Services
5.1.
The scope, terms, price and payment procedure are fixed in a request, invoice or appendix accepted by the Customer (by signature or payment). Services are provided under Chapter 39 of the Civil Code.
5.2.
The result is delivered electronically. Within 5 business days the Customer reviews it and sends reasoned comments or signs the acceptance certificate. If no comments are received in that period the Services are deemed accepted.
5.3.
The Provider does not guarantee a specific commercial outcome (revenue growth, profit, investment), which depends on the Customer's decisions and market conditions.
5.4.
The Customer provides data, access and feedback in reasonable time; delay by the Customer extends the term accordingly.
5.5.
The Provider keeps confidential any information designated as such or confidential by nature during the Services and for 3 years afterwards.
5.6.
The Customer may terminate the Services subject to payment for the work done and expenses actually incurred (Art. 782 of the Civil Code).
6. Price and payment
6.1.
Prices are shown on the Website in Russian roubles (Russian version) or in US dollars (English version). The price at the time of the order does not change. [The Seller applies the simplified tax regime / professional income tax and does not charge VAT - choose].
6.2.
Prices exclude taxes, duties and bank fees applicable in the Customer's country, unless stated otherwise. The Customer is responsible for them.
6.3.
Payment is made by bank card or another method available on the Website through [payment service / provider]. If the payment is processed in roubles, the dollar amount is converted at the rate of [payment service / Central Bank of Russia] on the payment date; the final amount is shown before the payment is confirmed. Card details are entered with the payment service; the Seller does not receive them.
6.4.
Legal entities and individual entrepreneurs may pay by invoice on request at info@zareckaya.com. A receipt or invoice is sent to the e-mail given.
7. Refunds and consumer rights
7.1.
Before delivery. The Customer may cancel the order before the Digital product is delivered. Funds are returned within 10 days to the original payment method.
7.2.
After delivery - defects. If the product does not match its description, the Customer may demand correction or replacement and, if impossible, a refund. Write to info@zareckaya.com describing the problem and attaching screenshots.
7.3.
After delivery - product as described. A digital product cannot be returned in its original state because the Seller cannot verify that no copies are kept; therefore, as a rule, a product of proper quality is not refunded after delivery. This does not limit the mandatory rights of a consumer under the law applicable to the Customer.
7.4.
Consumers in other countries. [Delete if Services are not offered to EU/UK consumers:] If you are a consumer in the EU or UK, by completing the purchase you expressly request immediate delivery of the digital content and acknowledge that you lose the right of withdrawal once delivery begins.
7.5.
Claims are answered within 10 days for consumers and 30 days for other customers.
8. Liability
8.1.
The Seller is liable for the Customer's losses only if at fault and within actual damage. For business customers total liability is limited to the amount paid for the product or Service giving rise to the dispute; loss of profit is not compensated. For consumers the limits apply to the extent permitted by law.
8.2.
The Seller is not liable for inability to use a product due to software, equipment settings or the Customer's actions, nor for failures of communication or payment providers. Neither party is liable for force majeure for its duration.
9. Personal data
9.1.
Personal data is processed under the Privacy Policy. Newsletters are sent only with separate consent given independently of acceptance of this offer. Data is stored in the Russian Federation.
10. Governing law and disputes
10.1.
This offer is governed by the law of the Russian Federation. Disputes are resolved by negotiation. Claims are sent in writing to the Seller's address or to info@zareckaya.com.
10.2.
A dispute not settled within 30 days of the claim is submitted to the Arbitrazh Court of [constituent entity of the RF at the Seller's location] [or: International Commercial Arbitration Court at the Chamber of Commerce and Industry of the Russian Federation - choose]. Consumers may sue at their place of residence where the law of that place so provides.
10.3.
Electronic documents and correspondence using the e-mail addresses of the Parties have legal force.
10.4.
Seller details: Svetlana Igorevna Zaretskaya; tax ID 245209764872; registration no. […]; bank […]; account […]; SWIFT/BIC […]; address Republic of Belarus, Minsk, Igorya Luchenka St., 1; e-mail info@zareckaya.com; phone […].
Version 1, 17/10/2026