Member Account User Agreement

Edition 1.0 from 12 August 2026
Enters into force 13 August 2026 from the moment of posting on the site

1. General

1.1. This User Agreement of the personal cabinet (hereinafter - the Agreement) regulates the relationship between the Non-commercial Consumer Cooperative "Scientific and Production Association "SPECZASHCHITA" (abbreviated name - NPK "NPO "SPECZASHCHITA", hereinafter - the Cooperative) and the individual using the site speczashchita.com and personal account (hereinafter - the User).

1.2. Personal account is a digital service of the Cooperative for creating and protecting an account, gaining access to accessible sections and performing individual actions directly indicated in the interface.

1.3. Registering an account by itself:

• is not a preliminary application or a formal application for membership in the Cooperative;
• does not mean passing the verification of information or documents;
• is not a decision on admission to the Cooperative and does not create membership;
• does not create an obligation to pay an entry, share, membership, target or other contribution;
• is not the conclusion of a contract of participation in a target program or other separate contract.

1.4. Functions related to the preliminary questionnaire, verification of information and documents, preparation of an application for admission, membership, contributions, payments and participation in programs are provided only in separate stages and are regulated by the Charter of the Cooperative, special rules, notifications, consents, statements and contracts applicable to the relevant stage.

2. Conclusion of the Agreement and registration

2.1. Before registration, the User is given the opportunity to familiarize himself with the current version of the Agreement and the Policy regarding the processing of personal data.

2.2. To register, the User specifies the name for the address, email address, password from 8 to 128 characters and repeats the password to check the correctness of the input.

2.3. The User accepts the Agreement by explicit action - sets an empty default check box next to the text on acceptance of the Agreement and familiarization with the Policy, then clicks the registration button. Familiarization with the Policy does not constitute consent to the processing of personal data. If consent is required for a separate operation, it is issued separately.

2.4. When registering, the information system records the adopted version of the Agreement, the fact of familiarization with the Policy, the date and time of validity and the minimum necessary information to confirm the registration. The password in open form is not stored by the Cooperative.

2.5. The agreement is considered concluded in respect of a new account from the moment when the information system of the Cooperative accepted the request for registration and recorded the adoption of this edition. Access to the personal account is opened only after confirmation of the e-mail address by a one-time link sent by the Cooperative.

2.6. Until the email address is confirmed, the account cannot be used to log in. If the link has expired or is lost, the User may request a new letter through the function provided by the interface.

2.7. The name specified during registration is used to contact the User and does not confirm his identity. Confirmation of the email address confirms control over the mailbox, but is not an identification or verification of documents.

2.8. Registration may be temporarily unavailable if it is impossible to obtain valid versions of mandatory documents, provide confirmation of e-mail or create an account safely.

3. User and Account Requirements

3.1. The user must have the legal capacity necessary to conclude this Agreement and use the selected functions. Citizenship by itself does not prevent the creation of an account. The availability of individual procedures, the composition of documents and the method of identity verification may vary depending on the age, citizenship, status of the applicant, the powers of the representative and the readiness of the relevant section. For persons from 16 to 18, a separate procedure is applied with the participation of a legal representative when required by law.

3.2. One account is for one individual. The representative uses his own account and confirms authority upon request. Transferring an account, password, one-time link or active session to another person is not allowed.

3.3. The user undertakes:

• provide reliable and up-to-date information;
• use a unique password and maintain its confidentiality;
• not to inform third parties of one-time links, codes and information about the active session;
• immediately notify the Co-operative of a suspicion of compromise of the account;
• not to commit actions that violate the law, the rights of third parties or the security of the service;
• not to use automated means to circumvent restrictions, mass requests, password selection, interference with the service or obtaining unauthorized access.

3.4. The user is responsible for the actions performed using his account, within the limits established by law, if he does not prove a compromise or other circumstances excluding his responsibility.

4. Functions of the personal cabinet

4.1. The composition of the available sections may change as the service is ready. Having a name, card, or "later" tag does not mean that the relevant function is already available or that the Cooperative is required to run it by a certain date.

4.2. In the personal account can be gradually provided:

• account management and access security;
• preliminary questionnaire and preservation of its draft;
• secure request and downloading of documents;
• verification of information and documents of the applicant;
• preparation of a draft application for membership in the Cooperative;
• separate submission of a formal application;
• display of consideration statuses and requests for clarification;
• registration of membership, contributions, payments and participation in programs;
• appeals to the Co-operative and realization of the rights of the subject of personal data.

4.3. Before the first use of the new section, the User is provided with information about the purpose of the section, the composition of the requested data, the legal consequences of the action and the applicable documents. If separate consent, declaration, contract or electronic signature is required, such action shall not be replaced by the acceptance of this Agreement.

4.4. Filling or saving a draft does not mean sending it. Sending is considered only a separate action with a single button and confirmation of the result by the information system.

4.5. A preliminary questionnaire or a preliminary application, if the relevant function is included, is not a formal application for admission, is not sent to the Co-operative Council automatically and does not start the term for consideration of a formal application.

4.6. A formal application for admission is prepared and sent by a separate action after providing the User with the established form, information on the procedure for signing and notification of the consequences of filing. The decision on acceptance shall be made by the authorized body of the Cooperative in the manner prescribed by the Charter.

4.7. The status of a member of the Cooperative does not arise as a result of registration in the personal account, but after fulfilling all the conditions provided for by the Charter and the applicable decision of the authorized body, including making the required contributions in the prescribed amount and manner.

5. Verification of information, documents, contributions and payments

5.1. Verification of identity, authority, reliability of information and documents, including the procedure, referred to in the interface as a check or KYC, is carried out only after registration, in the appropriate protected section and to the extent necessary for a specific procedure.

5.2. The user transfers only the requested information and documents related to the selected procedure. It is forbidden to transfer malicious files, obviously false documents, data of third parties without a legal basis or excessive information that the Cooperative did not request.

5.3. The cooperative has the right to check the completeness and security of the file, request clarification, translation, original, notarization, apostille, legalization or confirmation of authority when required by law or the nature of the procedure.

5.4. Uploading a file or providing information does not confirm their authenticity, does not mean a positive result of the verification and does not create a membership.

5.5. Registration and basic use of the account are not subject to contribution. The obligation to contribute or the right to pay arises only on the basis of the Charter, the decision of the authorized body, a separate contract or other appropriate document. Before confirming the payment action, the User is informed of the purpose, amount, recipient, accounting and refund procedure.

5.6. The cooperative does not request or store a full set of bank card details, including a security code. If the payment is connected with a bank card, its processing is carried out by the payment provider according to separate rules, and the Cooperative receives only the information necessary to record the payment.

6. Electronic interaction

6.1. The cooperative sends service messages to a confirmed email address and, if there is a function, places them in a personal account. Service messages include registration, address confirmation, login, access recovery, security, status and the need to clarify information.

6.2. Service messages are not advertising. Advertising and marketing communications may be sent only with separate prior consent when required by law.

6.3. The usual action in the personal account is not recognized as an electronic signature of the document, unless the type of document, the method of signing and the consequences are determined by a separate agreement or the rules of the relevant process.

6.4. A legally significant document is considered to be sent only after performing a separate action provided for it and receiving confirmation of the information system by the User. Simply receiving a letter with a link, opening a section or saving a draft does not mean signing or submitting a document.

7. Personal data

7.1. The cooperative processes personal data in accordance with the legislation of the Russian Federation and the current Policy on the processing of personal data published on the site.

7.2. This Agreement does not constitute consent to the processing of personal data and does not replace separate consent in cases where it is required. Acceptance of the Agreement is the basis for the processing of data necessary for the conclusion and execution of the Agreement, within the limits permitted by law.

7.3. To register and maintain the account, the name for the address, e-mail address, account ID and status, cryptographic password hash, information about confirmation of e-mail, sessions, adopted version of documents, authentication and security events, as well as the minimum necessary technical data are processed.

7.4. The composition of the data for the verification of documents, preparation of the application, membership, contributions, payments and other procedures is reported before the relevant processing begins. These procedures are not included in the mandatory composition of public registration.

7.5. The user can apply for access, clarification, blocking, deletion of data, withdrawal of separate consent and other rights to the address and channels specified in the Policy. Deletion of the account does not entail the destruction of information that the Cooperative is obliged or entitled to store on another legal basis.

8. Accessibility, security and access restrictions

8.1. The cooperative takes the necessary organizational and technical measures to protect the service and personal data, but does not guarantee continuous work without technical interruptions.

8.2. The cooperative has the right to temporarily restrict access to technical works, security threats, multiple unsuccessful attempts to enter, suspicion of compromise, violation of this Agreement or the requirements of the law. The restriction is applied to the extent and for the period necessary to eliminate the cause.

8.3. The user can stop using the service and send a request to close the account. Before closing, the Cooperative has the right to verify the identity of the applicant and complete the processing of pending legal procedures.

8.4. The closure of access does not cancel previously committed actions and does not stop the storage of documents and evidence, if such storage is necessary by law, for the fulfillment of obligations or to protect the rights and legitimate interests of the parties.

9. Intellectual rights

9.1. Exclusive and other rights to the software, design, texts and materials of the service belong to the Cooperative or the relevant rights holders. The User receives a limited right to use the service for its intended purpose during the Agreement.

9.2. The transfer of a document or material by the User does not transfer exclusive rights to the Cooperative. The cooperative has the right to use such material only to the extent necessary for the stated procedure and the fulfillment of the requirements of the law.

9.3. Transfer as a non-monetary unit of the result of intellectual activity, technology, documentation or other right is made out by separate documents. Uploading a file to your personal account does not create such a transfer by itself.

10. Responsibility

10.1. The parties are liable in accordance with the legislation of the Russian Federation.

10.2. The cooperative is not responsible for the inability to use the service caused by the malfunction of the device or the communication of the User, the actions of its communication provider or force majeure circumstances, if the cooperative could not reasonably prevent such consequences.

10.3. A cooperative shall not be exempt from liability for a violation if such liability is established by mandatory norms of the law. No provision of the Agreement limits the rights of the User, which cannot be limited by the agreement of the parties.

11. Modification of the Agreement

11.1. Each version of the Agreement has a number and date. The archive of previous editions is kept to the extent necessary to confirm the conditions that were in force at the time of the User’s legally significant action.

11.2. The new edition is published before its application. If the change significantly affects the rights, obligations or available functions, the Co-operative requests a new acceptance before continuing to use the affected function.

11.3. Modification of the Agreement does not automatically change the previously given separate consent, the application submitted, the concluded agreement, the decision on membership or the terms of the contribution.

12. Applicable law and permission of appeals

12.1. The legislation of the Russian Federation shall apply to the Agreement.

12.2. The user can send a message through the available function of the personal account, to the email address office@speczashchita.com or by mail to the cooperative. Passport, bank and other sensitive documents should not be sent by ordinary e-mail; they use a secure section of the personal account or a separately agreed secure method.

12.3. The parties seek to resolve differences through negotiations and exchange of appeals. Mandatory claim procedure applies only in cases stipulated by law or a separate contract. Jurisdiction is determined by law and cannot limit the rights of the User granted by mandatory rules.

13. Validity

13.1. The Agreement comes into force on the date of its approval and publication on the site and is valid until its cancellation or replacement by a new edition.

13.2. For the User, the Agreement is valid from the moment of its conclusion until the closure of the account, if certain provisions by nature or by law do not continue to operate after the closure.

14. Requisites Cooperative