Public Offer

Provider: Sole Proprietor Aleksandr Sergeevich Filchikov, TIN 366219887398. The website question form is used for contact and pre-trial claims together with the Client's email.

This document is a public offer (art. 437(2) of the Russian Civil Code) for providing assistance and coordination services related to getting a bank card at OJSC Commercial Bank KYRGYZSTAN (“foreign card”) through a notarised power of attorney and document logistics. Payment for the service on the website constitutes acceptance.

1. Subject matter

The Provider delivers a route-assistance service for foreign bank card issuance: explains the document set, clarifies the notarial POA requirements, accepts the pack in Russia by arrangement, coordinates shipment to Kyrgyzstan, tracks the stages, and coordinates the return shipment of the issued card. The service also includes card plastic issuance and account opening. The Client personally issues the notarised POA, pays the notary, and bears the risk of a bank refusal. The Provider is not a bank and does not guarantee issuance.

2. Price and payment

Service fee: 11,900 RUB before applicable discounts. Payment is made against the invoice contract generated on the website, either by QR code or by bank transfer to the Provider's account. The fee includes card issuance, account opening and the full Russia ⇄ Kyrgyzstan logistics. The separate cost is only the notary fee for the client. Referral-link visitors receive a 1,000 RUB discount. Promo codes and campaigns apply under the website terms; discounts do not stack unless explicitly stated otherwise.

For lawful group requests of 3 or more participants, the Provider may offer special per-buyer pricing when the entire document pack is handed over as one batch and the route launches together. These terms are available only after manual review, and a separate invoice contract is still issued for each buyer. The Provider may refuse the special group terms if the group composition, the final beneficiaries, or the document source are not transparent.

3. Delivery timing

The Provider starts the route after confirmed payment and after receiving enough documents from the Client to launch the process. Total timing depends on notary issuance, shipping lead times, bank review, and return logistics.

4. Refund policy

Under art. 32 of the Russian Consumer Protection Act, the Client may withdraw from services at any time before delivery, paying the Provider actual incurred costs. If no element of the package has been used within 7 calendar days of payment and the Provider has not started the route, 100% of the fee is refunded. After the route has started, documents have been accepted, or shipment has been arranged, the refund is reduced by actual incurred costs.

5. Prohibited use

The service is strictly for lawful use. The Client undertakes not to use the service or the accompanying materials for:

• evading sanctions applicable to Russian citizens or persons;
• evading tax, customs, or currency-control obligations;
• money laundering, terrorism financing, or financing of WMD proliferation (Russian 115-FZ);
• arranging the service for nominees, third parties, or other opaque beneficiaries unrelated to the actual card user;
• any action contrary to Russian law or the Client's country of residence.

If such goals are identified, the Provider may refuse service without refund (where the service has already partially delivered) and may disclose information to authorities as required by law.

6. Tax and currency duties of the Client

Opening a foreign bank account is legal for Russian residents. The Client is personally responsiblefor notifying the Russian Federal Tax Service within 30 days (Federal Law 173-FZ, art. 12(2); form KND 1120101) and for annual reports on the movement of funds. The Provider is not a tax advisor.

7. Liability

The Provider is not a bank, not an agent of the partner bank, and guarantees no specific outcome (such as bank approval). The Provider is not liable for actions of the partner bank, notaries, couriers, or any third party, nor for decisions the Client makes while issuing the POA and handing documents over.

8. Referral program

Registered users receive a personal referral link. For each paid and confirmed (after the 7-day refund window) order placed by an invited user, 1,000 RUB are credited. The invited user receives a 1,000 RUB discount when opening the site through the referral link. Payouts are made via card or SBP with no minimum payout amount. Not available to Provider staff or affiliates. No reward for self-signups or abusive patterns.

9. Personal data

Placing an order constitutes consent to data processing per the Privacy Policy and Federal Law 152-FZ.

10. Governing law and dispute resolution

This agreement is governed by Russian law. Disputes are resolved by courts of general jurisdiction at the Provider's location. Before court, the parties try to resolve disputes via a written claim submitted through the website question form. A reply is sent to the Client's stated email within 30 days.

11. Final provisions

The Provider may unilaterally amend this offer by publishing a new version. The current version applies to orders placed after publication.

Last updated: 2026-04-23.