Cookie Policy

This document "Agreement on the use of materials and services of the internet site sravnim.ru" constitutes an offer by the Site Administration sravnim.ru to conclude an agreement on the terms set forth below.

Before using the materials and services of the internet site sravnim.ru, please read the terms of this Agreement.

1. Main terms and definitions used in the Agreement

1.1. Website — a set of web pages hosted on the Internet and united by a single domain address space sravnim.ru. The home page of the Site, through which access to all other web pages of the Site can be carried out, is located on the Internet at sravnim.ru.

1.2. Site Administration (Administration) — the person who owns all respective exclusive rights to the Site, including the rights to the domain name of the Site. The Administration, represented by its authorized employees, manages the day-to-day operations of the Site.

1.3. Content — design elements, illustrations, graphic images, scripts, programs, videos, music, sounds, text, and other objects, whether or not they are the result of intellectual activity, the rights to which belong to the Administration, Users, partners of the Administration, or other persons.

1.4. Site User (User) — any person who has concluded this Agreement with the Administration in their own interest or in the interest of a third party in accordance with the requirements of current legislation and this Agreement.

1.5. User Agreement (Agreement) — an agreement determining the terms and procedure for using the Site, regulating the relations arising between the Administration and the User.

2. General Provisions

2.1. The subject of this Agreement is the provision by the Administration to the User of access to the Site in order to meet the User's needs for information on credit products from various credit and financial organizations in Russia.

2.2. This User Agreement is a legally binding document and regulates the relationship between the Administration and the User regarding the use of the Site and the services located on it.

2.3. By using the materials and services of the website sravnim.ru, you agree that:

2.3.1. You have read the terms of this Agreement in full before starting to use the materials and services of the website sravnim.ru.

2.3.2. in accordance with Article 435 of the Civil Code of the Russian Federation, this Agreement is an offer, and your commencement of the use of the materials and services of the website sravnim.ru in any form means that you accept all the terms of this Agreement in full without any exceptions or restrictions on your part (acceptance). The use of the materials and services of the website sravnim.ru under other conditions is not permitted. This Agreement, concluded by accepting this offer, does not require bilateral signing and is valid in electronic form.

2.3.3. if you do not agree with the terms of this Agreement or do not have the right to conclude it by virtue of law, you must immediately stop any use of the materials and services of the website sravnim.ru.

2.3.4. The Agreement (including any of its parts) may be amended by the Administration without any special notice. The new edition of the Agreement shall enter into force from the moment it is posted on the Site, unless otherwise provided by the new edition of the Agreement.

2.4. The relations of the Parties may be additionally regulated by separate documents and agreements governing the use of relevant services and/or the provision of services to the User. The application of such additional documents and agreements does not cancel the effect of this User Agreement.

3. Procedure for Using the Site

3.1. The Site is intended to familiarize Users with current offers for credit cards, debit cards, consumer loans, microloans, mortgages, CASCO, and other offers from banks of the Russian Federation, informational and analytical materials in the field of lending, reviews and comments of other users on various banking products, as well as to compare banking products and use other services available (including those that will be available in the future) on the Site.

3.2. After reviewing the information about a banking product on the Site, the User can submit an online application for the required banking offer. At the same time, the Administration does not collect or transfer the User's data necessary for submitting the application. The direct processing of the application takes place on the website of the Administration's partner (bank, microfinance organization, insurance company, etc.), where the User is automatically redirected upon clicking the application submission button.

3.3. Any User may leave comments on materials posted on the Site. Comments may be corrected for grammar and punctuation by the Administration, while the User remains responsible for the accuracy of the information contained in the comments they leave. The Administration has the right, independently and without notifying users, to moderate comments for publication, including:

• not to publish comments whose content does not relate to the topic of the publication;
• not to publish comments that do not contain useful information for other users;
• not to publish comments that contain profanity or offensive statements;
• not to publish comments containing links to other websites;
• to delete a published comment at any time;
• to independently determine the period during which comments are considered relevant and for which they are published;

3.4. The Administration assumes no obligation to notify the user(s) of the reasons for rejecting the publication and/or deleting previously published comments.

4. Rights and Obligations of the User

4.1. The User has the right to:

4.1.1. Review the information presented on the Site;

4.1.2. Use the services available on the Site;

4.1.3. Leave comments on articles posted on the Site;

4.1.4. Consume services provided by the Administration and/or the Administration's partners;

4.1.5. Perform other actions related to the use of the Site not prohibited by the legislation of the Russian Federation or the User Agreement.

4.2. The User undertakes to:

4.2.1. Do not use obscene or offensive words and expressions in comments. Criticism must be reasoned and constructive. Comments must clearly designate the aspects and features that the user considers negative or unsuccessful and, where possible, suggest ways to remedy the situation;

4.2.2. Do not write in transliterated text, and accompany messages in any other language with a translation;

4.2.3. Notify the Site Administration of all cases where actions are committed against the User that may be regarded as offensive, degrading, discrediting, etc.;

4.2.4. Comply with the current legislation of the Russian Federation, do not violate the rights of third parties, and inform the Administration of any violations;

4.2.5. Do not perform the prohibited actions specified in Section 6 of the User Agreement;

4.2.6. Constantly monitor amendments made to this User Agreement;

4.2.7. Bear other obligations specified in other articles of this Agreement.

5. Rights of the Administration

5.1. The Site Administration holds exclusive rights to software products and online services sravnim.ru as a whole and computer programs, databases, reference and informational materials and other textual materials, images and other objects of copyright and/or related rights included therein or used in conjunction with them, as well as other parts of software products and/or online services sravnim.ru (regardless of whether they are part thereof or additional components, and whether they can be extracted therefrom and used independently) individually. The specified rights are protected in accordance with Part IV of the Civil Code of the Russian Federation.

5.2. The Site Administration exercises ongoing management of the Site, determines its structure and appearance, permits or restricts Users' access to the Site, and exercises other rights belonging to it.

5.3. In terms of providing opportunities for interaction between Users, including providing Users with the opportunity to independently perform certain actions within the Site, the Site Administration acts solely as a party that has organized the technical capability for such interaction; the transmission, storage, and provision of access via the Internet to information provided by Users associated with such interaction are carried out without altering such materials or influencing them on the part of the Administration.

5.4. The Site Administration decides on the procedure for placing advertising on the Site, participating in partner programs, etc.

5.5. The Site Administration has the right to:

5.5.1. At any time, change the design of the Site, its content, modify or supplement the scripts, software, Content, and other objects used or stored on the Site, or any server applications, with or without notifying the User;

5.5.2. Delete, without any reason and without prior notice, any Content, including Content that, at the Administration's discretion, violates and/or may violate the legislation ofებელი the Russian Federation, the provisions of this Agreement, the rights of other Users or third parties, causes them harm, or threatens security;
5.5.3. At its discretion, delete any information, including information posted by the User on the Site in violation of the legislation of the Russian Federation or the provisions of the User Agreement;

5.5.4. Suspend, restrict, or terminate a User's access by IP address to all or any sections of the Site, and delete publications created by Users, at any time without explanation, with or without prior notice;

5.5.5. Send messages to Users (including emails) notifying them of the introduction of new services or the cancellation of old ones, the approval and publication of a new edition of the User Agreement, etc., containing promotional information about the Administration's services and the services of the Administration's partners.

5.5.6. Display promotional materials to the User on the Site.

5.6. The Administration is not obligated to review and resolve disputes and conflicts arising between Users, or between a User and an Administration partner when the User utilizes the service of an Administration partner; however, at its discretion and in order to maintain a constructive atmosphere on the Site, it may assist in resolving emerging conflicts. If a User has claims against message authors, they must contact the Administration, specify which exact fragment they consider a violation, and describe its essence. Removal of questionable, obscene, or provocative comments is carried out in the shortest possible time, provided the Administration agrees with the complaint.

6. Restrictions and Prohibitions

6.1. The User is prohibited from:

6.1.1. using any automatic or automated means to collect information posted on the Site;

6.1.2. carrying out propaganda or agitation that incites social, racial, national, or religious hatred and enmity, propaganda of war, social, racial, national, religious, or linguistic superiority, insult to religious feelings and beliefs of adherents of any religion, as well as blasphemous desecration of symbols used by them;

6.1.3. conducting discussions in a provocative style (trolling), posting meaningless and uninformative comments (flooding), and excessive quoting (overquoting);

6.1.4. writing messages consisting solely of emoticons or punctuation marks, in capital letters, using multiple exclamation marks, and intentionally writing with spelling errors;

6.1.5. posting restricted-access information (confidential information) of third parties on the Site, unless the User has sufficient rights by virtue of law or contract to disclose such information;

6.1.6. posting, reproducing, copying, processing, distributing, publishing on the Site, making available to the public, downloading, transmitting, selling, or otherwise using, in whole or in part, the Content of the Administration, Administration partners, other Users, and third parties without their prior permission, except in cases established by the User Agreement, the current legislation of the Russian Federation, and cases where the copyright holder has explicitly expressed consent to the free use of their own Content by any person. By posting Content on the Site in any other manner, the User confirms that they possess all necessary rights to do so, including the right to make it available to the public, that such posting does not and will not violate the rights and legitimate interests of copyright holders and third parties, and that all necessary permissions and consents from the respective copyright holders and third parties have been properly and explicitly obtained. It is not permitted to post Content on the Site if the User does not have the necessary rights and/or the copyright holder's consent.

6.1.7. posting in the public domain on the Site text messages whose content is offensive to other Users or other persons, or may be regarded as such, as well as messages that discredit Users or other persons, contain threats, calls to violence, commission of illegal acts, antisocial or immoral acts, or the commission of any other actions contrary to the foundations of law and order and morality;

6.1.8. posting materials on the Site that do not correspond to reality, the posting of which causes or may cause damage to the honor, dignity, and business reputation of a citizen or the business reputation of an organization;

6.1.9. posting information containing obscene words and expressions on the Site;

6.1.10. posting pornographic materials or hypertext links to websites containing such materials on the Site;

6.1.11. posting personal data, including contact details, of other Users or other persons on the Site without their prior consent;

6.1.12. carrying out propaganda of any teachings, theories, or views that encourage division, aggression, and hatred toward any social or cultural category;

6.1.13. posting text messages and other materials containing advertising in the public domain on the Site without the prior consent of the Site Administration, except in cases where promotional materials have been agreed upon with the Administration;

6.1.14. performing actions aimed at destabilizing the functioning of the Site, attempting unauthorized access to the management of the Site or its closed sections (sections whose access is permitted only to the Administration), as well as performing any other similar actions;

6.1.15. using the Site for any commercial purposes without the prior permission of the Site Administration;

7. Warranties and Liability

7.1. Due to the provision under the Agreement of the right to use the materials and/or online services of the site sravnim.ru for non-commercial purposes free of charge, consumer protection legislation does not apply to the relationship between the Parties under the Agreement.

7.2. The materials and/or online services sravnim.ru are provided on an "as is" basis, and therefore the User is not given any guarantees that: they will meet the User's requirements; they will be provided continuously, quickly, reliably, and without errors; the results that may be obtained using them will be accurate and reliable; all errors will be corrected.

7.3. All information on the Site is provided for informational purposes only. The use of any materials and data from the composition of the materials and/or online services sravnim.ru is solely at the User's own risk, and the Administration shall not be liable for any loss of profit, losses, or other damage resulting from the use of the materials and/or online services. sravnim.ru.

7.4. The Administration is not responsible for the accuracy of information and/or promotional materials of third parties, the availability of their internet sites and their content, as well as for any consequences associated with the use of information, advertising, and internet sites of third parties.

7.5. Since the materials and/or online services sravnim.ru are constantly being supplemented and updated with new functional features, the form and nature of the provided services and features of the Site may change from time to time without prior notice to the User. The Administration reserves the right to terminate (temporarily or permanently) the display of the Site materials (or any of their individual parts) to all Users in general or to an individual User in particular without prior notice.

7.6. The User is responsible for any violation of the obligations established by this Agreement and (or) applicable law, as well as for all consequences of such violations (including any losses that the Administration and other third parties may incur).

7.7. The Administration reserves the right to prosecute violators of intellectual property rights in accordance with civil, administrative, and criminal legislation at its discretion.

7.8. The Site Administration is not responsible for the actions or omissions of the User on the Site.

7.9. The Site Administration is not responsible for possible failures and interruptions in the operation of the Site and the loss of information caused by them. The Administration is not responsible for any damage to the User's computer, mobile devices, any other equipment or software caused by or related to the use of the Site or sites available via hyperlinks posted on the Site.

7.10. The Site Administration is not responsible for any damage, including lost profits, or harm caused in connection with the use of the Site, Content, or other materials to which the User or other persons gained access using the Site, even if the Site Administration had warned or indicated the possibility of such damage or harm.

7.11. The Site Administration is not responsible for any damage that may be caused to the User in the event of the termination of the operation of the Site or its individual pages.

7.12. The Administration is not responsible for the failure to provide or incorrect provision of services to the User by an Administration partner, or for the failure to achieve the results expected by the User from using the service of an Administration partner.

7.13. The User is personally responsible for any Content or other information that they upload to the Site or otherwise make publicly available on the Site or through it. The User undertakes to independently resolve claims of third parties related to the unlawful placement of Content and information.

7.14. Hyperlinks to any site, product, service, or any information of a commercial or non-commercial nature posted on the Site do not constitute an endorsement or recommendation of such products (services) by the Administration. The Administration is not liable for any damage caused to the User as a result of following such hyperlinks.

7.15. Visiting third-party sites, installing software, and using third-party services is done at the User's own risk. The provisions of this Agreement do not apply to the relationship between the User and third parties.

8. Final Provisions

8.1. All disputes arising between the Parties shall be resolved through negotiations. Pre-trial resolution of disputes arising from the relationship governed by the User Agreement is mandatory. The deadline for pre-trial claims settlement is 30 (thirty) business days from the date of receipt of the respective claim. If no agreement is reached on the dispute settlement, such dispute shall be considered and resolved in court at the location of the Administration.

8.2. The invalidity or unenforceability of any provision of the Agreement by a court shall not invalidate the other provisions of the Agreement.

8.3. This Agreement covers all currently existing materials and services of the site sravnim.ru, as well as any future versions, modifications, and additional services that appear on the Site from the moment they are posted.

8.4. For all questions related to the use of the Site, the User may contact the Administration via email at Via the contact form.