Offer agreement

on the provision of services for conducting a practical seminar "Ready-Made Portfolio"

1. General Provisions

1.1. This document is a public offer of the Individual Entrepreneur Nagornaia Svetlana Sergeevna (INN: 781139108280, OGRNIP: 320784700107875), registered in accordance with the established procedure on the territory of the Russian Federation, hereinafter referred to as the "Contractor", and contains all the essential terms of the contract for the remote provision of services.
1.2. An individual who accepts this offer becomes a Customer, acquires all the rights and obligations stipulated by this agreement (in accordance with Article 438 of the Civil Code of the Russian Federation, acceptance of an offer is tantamount to concluding an agreement on the terms set out in the offer), and the Contractor and the Customer together - the Parties to the Offer agreement.
1.3. The acceptance of this public offer is the implementation by the Customer of full or partial payment for services in accordance with the terms of this agreement. From the moment of receipt of funds in payment for the services provided to the account of the Contractor, this agreement is considered concluded between the Customer and the Contractor.
1.4. Acceptance of this Offer and, accordingly, the conclusion of this Agreement means that the Customer, to the extent necessary for him, has familiarized himself with the terms of this agreement and the rules of the payment system (hereinafter referred to as the System), the specifics of the functioning of the System, as well as the seminar program posted on the website:
1.5. By accepting this offer, the Customer confirms that the provision by the Contractor of services under this agreement remotely using software (hereinafter referred to as the software) fully corresponds to the Customer's ability to use the services provided in this way.
1.6. The current offer agreement is always located at:

2. Terms and Definitions

2.1. In this agreement, unless otherwise directly follows from its text, the following words and expressions will have the meanings indicated below.
2.1.1. Offer (Agreement) - this document between the Contractor and the Customer for the provision of Services, which is concluded through the Offer Acceptance. The Offer Agreement is the basic document of the relationship between the two parties and is not negotiable. All additions and changes are made using attachments and / or additional agreements drawn up to this agreement. Published on the Internet can be sent for information purposes by e-mail or provided for information purposes in any other way..
2.1.2 Offer acceptance - full and unconditional acceptance by the Customer of the terms of this Offer Agreement.
2.1.3. Customer - the recipient of services under this contract.
2.1.4. Service - the Contractor conducts a practical seminar “Ready-Made Portfolio”.
2.1.5. Software (SW) - a proprietary program for organizing video conferencing "Zoom". The customer undertakes to independently ensure the availability of software on his personal computer.
2.1.6. Curator - specialist, trainer, providing feedback services to the Customer on the seminar program.
2.1.7. Site - a set of information, texts, graphic elements, design, images, photo and video materials and other results of intellectual activity, as well as computer programs contained in an information system that ensures the availability of such information on the Internet at network addresses: https: // school,, as well as other addresses belonging to SE Nagornaya Svetlana Sergeevna.
2.2. Each term defined in this section of the Agreement retains its meaning regardless of where it appears in this Agreement. In this Agreement, words denoting the singular include the plural, and vice versa.

3. Subject of the Offer Agreement

3.1. The subject of this offer is paid training of the Customer by the Contractor in accordance with the course and tariff chosen by the Customer in the manner provided for in this Offer.
3.2. Services under this agreement are limited to providing the Customer with information, transfer of knowledge and experience of the Contractor on the formation of skills for their independent use by the Customer.
3.3. Services under this agreement are provided by the Contractor remotely via the Internet, using software (SW).
3.4. The information provided by the Contractor as part of the workshop is not an individual investment recommendation. This information is not an individual investment recommendation and the financial instruments or operations mentioned in it may not correspond to the investment profile and investment goals (expectations) of the Customer. The information provided during the Seminar is not an advertisement for securities.

4. Terms and procedure for the provision of services

4.1. The service for the "Ready-Made Portfolio" workshop is provided as follows:
4.1.1. Before holding the Seminar, the Customer must make sure that he has the technical ability to participate in it. The seminar is held in the form of video conferences organized through the Zoom program, as well as communication in the Telegram messenger.
4.1.2. The customer agrees on the specific time of the video conference with the Contractor. If, for any reason, the Customer is late for the Seminar by no more than 15 minutes, the Contractor is obliged to wait for the Customer. If the delay is longer, the video conference will be postponed to another time convenient for the Customer..
4.1.3. The first part of the Seminar is a 30-minute video conference between the Customer and the Contractor. At this stage, the Customer indicates his preferences regarding the areas of interest, talks about his financial goals, the term of the desired portfolio.
The Contractor, based on the information received, explains the possible risks that the Customer will need to assess independently, since the Seminar is not a 100% guarantee that the Customer will receive income.
4.1.4. After the end of the first part of the Seminar, the Contractor prepares for the second part. The preparation period takes about two weeks and includes a market analysis, determination of the sectors and companies most suitable for the Customer, shares for the proposed Customer portfolio, based on the information received in the first part of the Seminar.
4.1.5. When ready for the second part of the Seminar, the Contractor sends a notification to the Customer, and the parties agree on a specific time for the video conference.
4.1.6. The second part of the Seminar, like the first, takes place in the form of a video conference with the Contractor, and its duration is from one to two hours.
At this stage, the Customer will be able to determine which specific shares he will be able to purchase. The Contractor will tell the Customer in detail about the pros and cons of the shares of certain companies selected by the Customer. The Contractor will answer the Customer's questions regarding the portfolio collected by the Customer.
Please note that the Seminar is of informational, analytical, educational nature and reflects the personal view of the performer. The workshop is not an individual investment recommendation.
4.2. Services under this agreement are considered to be of proper quality and on time, as well as accepted by the Customer, if within 3 (three) calendar days after the expiration of the period specified in clause 4.1 of this agreement for the relevant service, the Customer has not stated a reasoned objection to quality and volume such services by sending a corresponding claim to
Sending claims, wishes, appeals regarding the holding of a practical seminar in another form is not accepted and is not considered by the Contractor.

5. Rights and Obligations of the Parties

5.1. The Contractor undertakes to:
5.1.1. Render the services properly and within the set period.
5.1.2. Keep confidential information received from the Customer when rendering the information and consulting services hereunder.
5.1.3. Comply with the legal requirements regarding the processing, transfer and protection of the Customer's personal data with the consideration of the provisions of the Privacy Policy posted on the Website and being an integral part hereof.
5.2. The Contractor shall be entitled to:
5.2.1. Require the Customer to fulfill the obligations assumed in good faith.
5.2.2. Engage third parties for the provision of services in accordance with this agreement. At the same time, the Contractor is not responsible for the illegal actions of third parties when providing services under this agreement, but makes every effort to ensure the protection of the rights and interests of the Customer.
5.3. The Customer undertakes:
5.3.1. To receive services under this Agreement, the Customer must have a personal computer, as well as another portable (mobile) device with Internet access, equipped with headphones and a microphone, as well as with installed software.
5.3.2. Provide the Contractor with up-to-date information necessary for prompt communication with the Customer as part of the provision of services under this agreement, namely: surname and name, valid e-mail address, contact phone number.
5.3.3. Observe the rules of conduct of the practical seminar and show respect for the Contractor.
5.3.4. Do not record, do not distribute (publish, post on Internet sites, copy, transfer or resell to third parties) for commercial or non-commercial purposes the information and materials provided by the Contractor to the Customer under this agreement, do not create information products on its basis in order to extract commercial profit, and also not to use this information in any other way, except for personal use.
5.4. The Customer shall be entitled to:
5.4.1. Require the Contractor to properly fulfill obligations under this agreement.

6. Cost of Services and Payment Procedure

6.1. The cost of a practical seminar "Ready-Made Portfolio" is determined depending on the size of the portfolio considered at the practical lesson based on:
- with a portfolio value of up to 2 million inclusive - 20,000 rubles;
- with a portfolio value of 2 million - 1% of the portfolio value.
6.2. Payment for services is made by the Customer by transferring funds in advance to the settlement account of the Contractor in the amount of 100% of the cost of services.
6.3. The moment of payment is the receipt of funds to the settlement account of the Contractor.

7. Terms and Procedure for Refund

7.1. Refunds by the Contractor are carried out at the request of the Customer sent to the email address:, if the Contractor recognizes the reasons for the return as justified.
7.2. The customer is refunded the residual value minus the organizational costs of the Contractor for creating an individual account in the amount of 3,000 (three thousand) rubles, bank fees for transferring funds.
The residual value is determined based on the following prices:
- The cost of the first part of the workshop, including the determination of the student's profile and objectives: 25% of the cost of the Ready-Made Portfolio workshop net of organizational expenses;
- the cost of preparing materials for the second part of the workshop: 55% of the cost of the workshop net of organizational expenses. That notwithstanding, if the application for a refund was received before the stage is complete, each day of the work period is calculated in proportion to the total stage cost;
- the cost of the second part of the workshop including formation of a sample portfolio and an algorithm for its operation: 20% of the cost of the workshop net of organizational expenses.
7.3. The decision of refund or rejection of refund is made by the Contractor within 10 (ten) working days from the date of receipt of the Customer's application.
7.4. The money shall be returned to the Customer's account from which the payment for the education was made or to another account specified by the Customer within 14 (fourteen) working days after the decision of refund.
7.5. Refunds are considered made from the moment then money are debited from the checking account of the Contractor.

8. Liability

8.1. No information, materials and/or consultations provided by the Contractor within the scope of the services hereunder can be considered as guarantees. Decision-making based on all the information provided by the Contractor shall be reserved to the Customer. The Customer assumes full responsibility and risks associated with the use of information and materials provided by the Contractor as part of the performance of its obligations under this Agreement.
8.2. The Parties shall not be responsible for non-performance or improper performance of their obligations under this Agreement during force majeure. During this time, the parties shall have no mutual claims, and each of the parties shall assume its own risk of the force majeure consequences. The Contractor is obliged to notify the Customer about the emergence of such events by posting information on the Website and/or sending a message to the e-mail the Customer specified when making the payment, and the Customer is obliged to send the Contractor a letter featuring the words "Force majeure" in the subject line to Force majeure shall mean: fire, flooding, earthquake, strike and other natural disasters, wars, military conflicts, laws, regulations and administrative enactment coming into force and hindering the performance of obligations and forced urgent hospitalization which was duly documented if such events are beyond control of the Parties, hinder the performance of obligations hereunder and take place after the conclusion of this agreement.
8.3. The Contractor is not responsible for the level of knowledge acquired by the Customer.
8.4. The aggregate liability of the Contractor hereunder for any claim or complaint regarding the agreement or its performance shall be limited to the payment made to the Contractor by the Customer. That notwithstanding, only actual damages, but not expectation damages may be laid at the Contractor.

9. Personal data and their use

9.1. The customer gives his consent to the Contractor for the indefinite processing of his personal data provided when purchasing a service for holding a practical seminar under this agreement, as well as during the seminar.
9.2. The processing of personal data means recording, systematization, accumulation, storage, clarification (update, change), extraction, use, transfer to third parties (distribution, provision, access), including cross-border transfer to third parties, depersonalization, blocking, deletion, destruction of personal data that does not fall under special categories, the processing of which, according to the current legislation of the Russian Federation, requires the written consent of the Customer.
9.3. The processing of personal data is carried out in order to fulfill the Contractor's obligations under this agreement, as well as in order to send information and advertising messages to the e-mail address specified by the Customer during registration (clause 9.6 of this agreement). In addition, the processing of personal data is carried out to improve the services of the Contractor based on the analysis of the specified information, as well as to detect, prevent, mitigate and investigate fraudulent or illegal actions in relation to the Site and the training program as an object of intellectual property rights of the Contractor..
9.4. The processing of the Customer's personal data is carried out by the Contractor using databases on the territory of the Russian Federation.
9.5. The customer can withdraw consent to the processing of personal data at any time by sending the Contractor a notification to the address:
9.6. The Customer agrees to receive newsletters and promotional materials from the Contractor or from other persons on behalf of the Contractor, to the email address and contact phone number specified by the Customer when registering on the Site. Consent to receive newsletters and advertising materials may be revoked by the Customer at any time by sending the Contractor a notice to the address:
9.7. The Customer agrees to use his image as a photograph of the Customer (avatar) by the Contractor at no cost.

10. Защита авторских прав

10.1. All information provided by the Contractor to the Customer within the framework of the seminar is subject to copyright, and all rights to it belong to the Contractor.
10.2. For violation of the Contractor's copyright, whether it is copying, transfer to third parties or any other distribution of the Seminar recording, the Customer, in accordance with Article 1301 of the Civil Code of the Russian Federation, pays the Contractor compensation in the amount of 100,000 (one hundred thousand) rubles for each fact of such violation, which does not release the Customer from criminal liability under Article 146 of the Criminal Code of the Russian Federation.

11. Final Provisions

11.1. This Contract shall take effect when the Customer accepts the Offer in accordance with Clause 1.3. of the agreement and shall remain in force until complete fulfilment of obligations by the Parties.
11.2. All disputes and differences between the Parties shall be resolved by negotiation or in court in accordance with applicable laws of the Russian Federation at the Contractor's place of registration.
11.3. If the Customer violates the provisions hereof, inaction on the part of the Contractor shall not deprive the Contractor of the right to take appropriate actions later in order to protect its interests and intellectual property rights to the Website materials protected under the law.
11.4. If the court renders any provision of this agreement invalid or unenforceable, this shall not entail invalidity of the other provisions.

12. Details of the Contractor

Sole Entrepreneur
Svetlana Sergeevna Nagornaia
OGRNIP (Primary State Registration Number of Sole Entrepreneur) 320784700107875
Place of business: 26/1/249 Prospekt Bolshevikov, Saint Petersburg
INN (Taxpayer Identification Number) 781139108280
Account No. 40802810703500032981
Bank Tochka
Branch of Public Joint-Stock Company «Bank Otkritie Financial Corporation»
BIC 044525999
Correspondent account No. 30101810845250000999