PUBLIC AGREEMENT (OFFER) FOR THE PROVISION OF INFORMATION SERVICES

1. General Provisions

1.1. This Public Agreement (hereinafter referred to as the “Offer” or the “Agreement”) is the official proposal of the Contractor to provide Information Services via the software of the website https://eraperemen.info (hereinafter referred to as the “Website”) to legal entities and/or legally capable individuals (hereinafter referred to as the “Customer”) under the following terms and conditions.

1.2. Acceptance of the Offer constitutes full and unconditional acceptance of all terms of this Agreement without any exceptions or limitations.

1.3. The Agreement is deemed concluded from the moment the Customer registers on the Website and payment for the selected Information Service is credited to the settlement account of the relevant legal entity.

1.4. The Parties confirm their legal capacity and competence, as well as the availability of all necessary powers to conclude and perform this Agreement.

1.5. The Customer confirms lawful use of the selected payment method and possession of any necessary permission from its owner.

2. Terms and Definitions

2.1. “Website” means eraperemen.info.

2.2. “Information Services” means subscriptions, articles, analytical reviews, videos, online sessions, informational consulting products and other materials offered through the Website.

2.3. “Customer” means a person placing an order and accepting this Offer.

2.4. “Contractor” or “Seller” means the legal entity identified to the Customer by the Website, checkout page or receipt before completion of the relevant purchase.

2.5. “U.S. Company” means Analytical Agency Era of Changes, LLC (Delaware, USA), acting as Seller for purchases in which it is identified as seller before payment.

2.6. “Kyrgyz Company” means Limited Liability Company “Analytical Agency Era of Changes” (Kyrgyz Republic), acting as Seller for purchases in which it is identified as seller before payment.

2.7. “Merchant of Record” means a payment platform or other person expressly identified on the checkout page and receipt as seller, which receives the payment and, where applicable, calculates and remits indirect taxes.

2.8. “Rightsholder” means the relevant company, author, developer or other person that owns or lawfully controls rights in a particular brand, material, software component or technical result.

2.9. Use of a common Website, domain, software infrastructure, user account, or support service does not change the Seller disclosed before payment and does not by itself transfer funds, copyright, obligations, or liability between the U.S. Company and the Kyrgyz Company.

3. Application of the Offer and identification of the Seller

3.1. The Seller for a particular purchase is determined by the selected payment route. Its full legal name or the Merchant of Record’s name is displayed before payment and stated in the receipt.

3.2. For payments through YooKassa, RuStore, YuMoney and other methods expressly designated for Russian-ruble or Kyrgyz-som payments, the Seller is the Kyrgyz Company unless another seller is identified before payment. Revenue settles into its corporate accounts and is recorded by it independently.

3.3. For a direct payment to the U.S. Company through Stripe or bank transfer, where no separate Merchant of Record is identified, the Seller is the U.S. Company.

3.4. Where payment is made through Stripe Managed Payments, the App Store, Google Play or another service acting as Merchant of Record, the seller for settlement, receipt and applicable indirect-tax purposes is the person identified by that service.

3.5. When Service Access Units are used, the Seller is the legal entity identified when those units were acquired and before their use is confirmed.

3.6. The companies are separate legal entities. Each is responsible to the Customer only for purchases in which it is identified as seller.

4. Subject of the Agreement

4.1. The Seller provides the Customer with access to the selected Information Services under this Offer, and the Customer pays for them.

4.2. The type, scope, access period and other material service parameters are shown on the relevant product or pricing page.

4.3. Access may be technically provided by the Seller or its contractors through shared Website infrastructure. This does not change the seller, the scope of the paid service, or the Customer’s mandatory rights.

5. Cost and Payment Procedure

5.1. The price is the tariff and final amount shown to the Customer before payment.

5.2. Payment is made using methods available through the Website, including local payment systems, Stripe and app stores.

5.3. Before payment confirmation, the Website or payment service displays the Seller’s or Merchant of Record’s identity. Applicable taxes, charges and the final amount are displayed before the charge or as otherwise required by the service and law.

6. Payment and Refund Processing

6.1. Banks, payment processors, app stores and a Merchant of Record independently process payment data and transactions under their own terms. The Website does not store full payment-card details.

6.2. For a technical failure, decline or incomplete payment, the Customer may contact the identified Seller and the relevant payment service.

6.3. Refunds are processed by the Seller or Merchant of Record under this Offer, the payment service’s terms and mandatory consumer rights. Nothing in the Offer limits a right that cannot lawfully be waived.

7. Conditions of Service

7.1. Access to an Information Service is provided after payment is confirmed unless free access is expressly offered for that service.

7.2. Participation in an online session is confirmed by Website registration and booking through the available interface.

7.3. Materials and links are provided by email, through the personal account, or by another method stated in the service description.

7.4. Material auto-renewal terms, including the amount, billing frequency, and cancellation method, are displayed before subscription enrolment. Notices are sent when and as required by applicable law or the relevant payment service’s terms.

7.5. Access is provided for the period stated in the service or pricing description. If no period is separately stated, it is 30 calendar days from payment confirmation.

7.6. A subscription automatically renews on the terms accepted at enrolment until cancelled by the Customer.

7.7. The Customer may cancel future renewals at any time through the personal account or the relevant payment service’s interface. Cancellation stops future charges except a transaction finally initiated before cancellation was processed. Access continues through the paid period, and refunds are governed by Sections 6 and 8.

7.8. Access to personal-account materials may end when the paid period expires. Payment, accounting, tax, technical, and evidentiary records are retained under applicable law and the Privacy Policy.

7.9. Service Access Units

7.9.1. Certain information products and services may be provided after activation of the required number of Service Access Units.

7.9.2. “Service Access Units” are closed-loop account units usable only for services of the Seller identified when they are acquired. They do not create a common balance between the companies.

7.9.3. The required number of units is displayed before a material is opened or an order is confirmed and is deducted when access is first provided.

7.9.4. Units may be acquired directly or with Bonuses under the loyalty programme.

7.9.5. Units are not legal tender, electronic money, a security, or an asset; they are not transferable or redeemable for cash except where a refund is expressly required by applicable law.

7.9.6. Purchased units are valid for 12 months after crediting unless a longer period is stated in the product description or required by mandatory law.

7.10. Loyalty Programme and Bonuses

7.10.1. Bonuses may be awarded for referrals, promotions, and other activities stated on the Website.

7.10.2. Bonuses may be used only toward Service Access Units or expressly identified services.

7.10.3. Bonuses are not money and may not be sold, transferred, or used outside the Website.

7.10.4. Bonus accrual and use terms may change for future accruals. Changes do not reduce a service already paid for.

7.11. Individual Analytics

7.11.1. The Customer may order an individual informational and analytical material on a selected topic.

7.11.2. If disclosed at order, a one-calendar-month category subscription is provided as a bonus.

7.11.3. The ordinary preparation period is 3 to 5 business days after order confirmation unless another period is agreed before payment.

7.11.4. A bonus subscription is activated after completion of the order.

7.11.5. Access to the ordered material and bonus subscription is provided for the period shown at order.

7.12. Online Sessions and Consultations

7.12.1. Online sessions are conducted through the channel identified on the Website or in the booking confirmation, including Zoom and official corporate communication channels.

7.12.2. The Seller is not responsible for persons claiming to represent it outside official channels unless mandatory law or the Seller’s own conduct provides otherwise.

7.12.3. The Customer should verify meeting and sender details through the Website’s official channels.

7.13. The Seller may proportionately restrict access for a material breach of the Offer, threats, unlawful conduct, infringement of third-party rights, or interference with Website operation. Such restriction does not waive the Customer’s mandatory rights.

8. Cancellation and Refunds

8.1. Refunds are processed by the Seller or Merchant of Record under mandatory applicable law, this Offer, and the relevant payment service’s rules.

8.2. The Customer may request restoration of access, repeat performance, or a refund where the service was not provided due to the Seller, a confirmed duplicate or erroneous charge occurred, or another case requires a refund by law.

8.3. For digital access already provided, a consultation already performed, or an individual material already prepared, a refund is available only to the extent required by mandatory law, Merchant of Record terms, or a separate decision by the Seller.

8.4. Expiration of the access period ends the right of further use but does not delete accounting, payment, or evidentiary records.

9. Rights and Obligations

9.1. The Seller takes reasonable organisational and technical measures to maintain Website availability. Access may be temporarily restricted for maintenance, updates, fault remediation, security, or causes outside the Seller’s reasonable control.

9.2. The Seller may reschedule an online session by notifying the Customer within a reasonable period and offering a new date or another way to perform the obligation.

9.3. The Seller may change the Website and service composition, but a change must not materially reduce a service already paid for. Material changes affecting future purchases and renewals are published before they apply.

9.4. The Customer uses materials only for personal purposes and does not share access with third parties.

9.5. The Customer uses official channels stated on the Website or in the order confirmation.

9.6. The Customer provides a suitable device, current software, and stable Internet connection. The Seller is not responsible for a failure exclusively on the Customer’s side unless mandatory law provides otherwise.

9.7. Suspension and Termination of Access

9.7.1. The Seller may temporarily suspend access associated with a disputed payment while the dispute is pending, and where there is a reasonable suspicion of unauthorised payment-method use, account compromise, a material breach of the Offer, copyright infringement, or a Website security threat.

9.7.2. Filing a payment dispute is not by itself treated as fraud. If a payment is finally reversed, refunded, or determined unauthorised, access provided for that payment may end as unpaid.

9.7.3. A permanent restriction must be proportionate to a confirmed breach. Mandatory rights to access, cure, or refund remain unaffected.

9.8. Changes to the Offer

9.8.1. A new edition applies to purchases and renewals made after publication. A paid period remains governed by the edition effective at payment, except mandatory legal changes and necessary security measures that do not reduce the paid service.

10. Force Majeure

10.1. A party is not liable for delay or non-performance directly caused by extraordinary and unavoidable circumstances outside its reasonable control. The affected party takes reasonable steps to reduce the effects and resume performance. Force majeure does not exclude a refund where required by applicable law.

11. Dispute Resolution

11.1. The parties seek to resolve disputes through negotiation. A claim may be sent to the email address in Section 17 and is reviewed within 20 calendar days. This process does not restrict the Customer’s right to contact a competent authority or court where mandatory law provides that right.

12. Governing Law

12.1. Where the Seller is the U.S. Company, the contract is governed by Delaware law and applicable U.S. federal law, without limiting mandatory consumer rights in the Customer’s location.

12.2. Where the Seller is the Kyrgyz Company, the contract is governed by the law of the Kyrgyz Republic, without limiting other mandatory rules.

12.3. Where a Merchant of Record is seller, its customer terms and mandatory applicable law govern the payment transaction. The Website terms continue to govern access to materials to the extent they do not conflict with those terms or law.

13. Privacy

13.1. All personal data is processed in accordance with the Privacy Policy published on the Website.

14. Limitation of Liability and Nature of Services

14.1. The Seller is not liable for indirect or unforeseeable loss or lost profit except where liability cannot lawfully be limited.

14.2. Information is general, analytical, educational and advisory, does not guarantee any result and is not individual investment, financial, legal, tax or medical advice.

14.3. The Customer makes decisions independently and bears the associated risks.

14.4. The project companies do not provide brokerage, exchange, custody, investment management, trade execution, client-money transmission, digital-asset exchange or other regulated financial services. Links, market data and analytical materials do not create a broker, investment-adviser, fiduciary or payment-intermediary relationship.

14.5. The Seller is not responsible for persons claiming to represent it outside the official channels identified by the Website.

15. Intellectual Property Rights

15.1. The Website brand, materials, and software components are protected by intellectual-property law and belong to the relevant rights holders or are lawfully used by the Seller. The Seller holds the rights necessary to provide the purchased access.

15.2. The Customer receives only a limited, personal, non-exclusive, non-transferable, and non-sublicensable right to access materials within the purchased service and paid period. Copying, bulk extraction, republication, sale, and access sharing are prohibited without the relevant rights holder’s separate written permission.

16. Final Provisions

16.1. This Offer is effective when its current version is published. A purchase is governed by the version available to the Customer at payment, subject to later mandatory legal requirements.

16.2. If one provision is invalid, the remaining provisions continue in effect.

16.3. The U.S. Company and the Kyrgyz Company are separate legal entities. Each is responsible only for purchases in which it or its appointed Merchant of Record is identified as seller, unless law expressly requires otherwise.

16.4. Changes to the Offer apply under clause 9.8 and do not restrict the Customer’s mandatory rights.

17. Details

17.1. Analytical Agency Era of Changes, LLC

File No.: 10090635

131 Continental Dr, Suite 305, Newark, DE 19713, County of New Castle, USA

Email: admin@eraperemen.info

17.2. Limited Liability Company “Analytical Agency Era of Changes”

TIN: 02401202510122

Registration No.: 312568-3301-ООО

198 Akhunbaeva Street, Apt. 52, Leninsky District, Bishkek, Kyrgyz Republic

Email: admin@eraperemen.info

Additional Portfolio Feature Terms

The sole provider of the Portfolio feature, including protected data storage, brokerage/exchange connections, and portfolio analytics, is Analytical Agency Era of Changes, LLC, 131 Continental Dr, Suite 305, Newark, DE 19713, USA. Analytical Agency Era of Changes LLC (Kyrgyz Republic) does not provide this feature or store or receive portfolio data or connection secrets. The seller of other website services may be different.

The Portfolio feature lets a user maintain data manually or import available CSV/OFX/QFX files free of charge and, where available, separately order automatic connection of a selected brokerage, exchange, or crypto account in the disclosed read-only mode. It supports consolidation of multiple accounts, display, calculations, informational analytics, and alerts.

Separate balances and allocation of top-ups

1. Services on the platform may be sold by two independent companies: Analytical Agency Era of Changes, LLC (United States) and Analytical Agency Era of Changes LLC (Kyrgyz Republic). Before each top-up and order, the interface identifies the specific seller, the purpose of the payment, and the balance to which the units will be credited.
2. For a service that requires separate settlement, the system accounts separately for: (a) the US Company's “Balance for International Services” (technical code ERA_US); (b) the Kyrgyz Company's “Balance for Local Payment Purchases” (technical code ERA_KG); (c) bonus units; and (d) old units whose source has not yet been established (the “Unallocated Balance”). The applicable components are displayed directly in that service's interface before ordering.
3. If the interface displays a total balance, it is only a reference total of the separate components and does not mean that the full amount can pay for every service. An order requiring separate settlement uses only the available balance of the seller and purpose identified next to that service's price.
4. The determining factor is the seller identified before payment confirmation, not the country in which the card was issued, the card currency, the user's nationality, or the language of the interface or material. A payment through a checkout identifying the Kyrgyz Company as seller is credited to the local-purchases balance; a payment through a checkout identifying the US Company as seller is credited to the international-services balance. Current compatible payment methods are shown immediately before a top-up. If a payment method expressly identifies YooKassa, RuStore, or another local channel of the Kyrgyz Company, that top-up does not by itself create a balance eligible for an international service.
5. The language of an article, research publication, or other digital material does not determine its seller and does not restrict access after proper payment. In particular, Russian-language material may be sold by the US Company and paid through its checkout, and payment with a non-Russian card does not by itself prevent purchase of Russian-language material. The seller and applicable payment source for an article or other digital material are identified in that item's product or order screen, not by publication language.
6. A restriction to a particular eligible balance applies only to a service whose ordering screen expressly identifies the provider company and exclusive payment source. Automatic connection of brokerage, exchange, and cryptocurrency accounts is provided by the US Company; this specific service therefore may be paid only from the available “Balance for International Services.” The Kyrgyz Company's balance, bonus units, and unallocated units are not eligible for it unless expressly stated before the order.
7. Service units are an internal accounting record of an amount previously paid or a contractual entitlement granted for the relevant digital services of the specific seller. They are not cryptocurrency, electronic money, a bank deposit, or an investment; they bear no interest, are not intended for trading, and cannot be transferred to another user. This clause does not restrict a user's right to seek a refund where required by applicable law or the agreed terms of the particular payment.
8. When a paid service is available for ordering, its screen separately displays “Available” and “Reserved.” Reserved units are temporarily unavailable for other purchases but are not treated as finally used until the applicable service-activation condition occurs. For automatic connectivity, the first amount is treated as used only after a successful connection; if connection is not completed, the reserve is released.
9. If the eligible available balance is insufficient, the order and any new charge do not proceed. The service screen identifies the eligible amount when it has been verified by the server, even where a reference total is higher, and displays only currently available compatible top-up methods. The platform does not automatically transfer or convert units between the companies.
10. A request concerning a refund of an unused balance must be directed to the seller that received the corresponding payment. Availability, amount, and method of any refund depend on applicable law, services actually supplied, the particular order terms, and the payment channel's rules. Refunded units are cancelled; a refund does not automatically convert them into units of the other company.
11. The transaction history must allow the user to identify the seller, top-up source, balance purpose, amount, reservation, use, release, and refund. A user disputing an allocation may ask support to verify the payment source; until verification, a disputed legacy amount is not used for the other seller's service.
12. Before a recurring paid service is ordered, the seller, price, billing period, eligible balance, first-use timing, renewal terms, and cancellation method are displayed. Auto-renewal is enabled only by a separate box that is not preselected. Disabling it stops future charges; insufficient eligible balance pauses renewal without charging another balance.

1. The service is not a broker, custodian, bank, discretionary manager, or asset holder; it cannot accept trade orders or control funds.
2. The user confirms authority over the connected account, selects the data scope, and is responsible for manually entered accuracy.
3. Quotes, positions, and valuations may be delayed or contain provider errors and are neither an execution-price guarantee nor personalised investment advice.
4. Broker connection is optional and requires separate confirmation. It can be disconnected; token, portfolio, log, and backup timelines are in the Privacy Policy.
5. Analytical bots receive data only through a protected API scoped to the relevant user/organisation and cannot execute trades.
6. Account deletion erases the operational portfolio from the protected store before deleting the account, except separately restricted records required by law or for legal claims.
7. A legal entity warrants representative authority and a lawful basis for third-party data and enters a DPA before recurring end-client processing.
8. Consent to data transfer/processing and consent to the paid service use separate boxes that are not preselected. Confirming data transfer does not itself create a paid subscription.
9. The price, period, provider, eligible balance, renewal, and cancellation of automatic connectivity are displayed before ordering. Only the “Balance for International Services” may fund the US Company's service. The first amount is reserved and unavailable for other purchases but is treated as used only after a successful connection; an incomplete connection releases the reserve. Auto-renewal requires a separate optional box and pauses without a new charge if the eligible balance is insufficient.

Until paid automatic connectivity is separately launched, its price, eligible balance, and verified top-up methods may not be displayed; in that state ordering, reservation, and charging for this service are unavailable.

The Privacy Policy, Account Connection and Data Processing Consent, separate Paid Service Consent, DPA, and processors list form part of the applicable Portfolio terms.