Policy of processing personal data of visitors

A. Introduction
The privacy of our website users is important to us, and we are committed to ensuring that it is protected. This policy explains how we use your personal information.

B. Cookies
By agreeing to the use of cookies on your first visit to our website, in accordance with the provisions of this Policy, you are giving us permission to use cookies on each of your subsequent visits.

C. Collection of personal data

The following types of personal data are subject to collection, storage and use:

1. Information about your computer, including your IP address, geographic location, browser type and version, and operating system;
2. Information about your visits to and use of this website, including referral sources, length of visits, pages viewed, and navigation paths on the website;
3. Information about your email address that you used to register on our website;
4. Information that you entered when you created your profile on our website, such as your name, profile picture, gender, date of birth, marital status, hobbies and interests, education and place of employment;
5. Information such as your name and email address that you provide when you subscribe to our mailings and/or newsletters;
6. Information that you entered while using the services of our website;
7. Information that is generated when you use our website, including information about the time, frequency and conditions of its use;
8. Information regarding any of your purchases, services used, or transactions that you have conducted through our website, including your name, address, telephone number, email address, and credit card information;
9. Information that you have posted on our website for the purpose of publishing it online, including your username, profile picture, and the content of your post;
10. Information contained in any communications that you have sent to us by email or through our website, including the content of the communication and the purpose of the communication;
11. Any other personal information you have sent to us.
12. Before you disclose personal information of a third party to us, you must obtain the consent of that person both to disclose and to process that information in accordance with this Policy.

Before you disclose personal information of a third party to us, you must obtain the consent of that person both to disclose and to process this information in accordance with these rules.

D. Use of your personal information

Personal information that you provide to us through our website will be used for the purposes specified in these rules or on the relevant pages of the website. We may use your personal information for the following purposes:

1. administering our website and business;
2. personalizing our website for you;
3. enable you to use the services available on our website;
4. sending you goods purchased through our website;
5. providing you with services purchased through our website;
6. sending you notices, invoices and payment reminders, and receiving payments from you;
7. sending you non-marketing commercial communications;
8. sending you emails that you have specifically requested;
9. sending you email newsletters if you have requested them (you can notify us at any time that you no longer wish to receive email newsletters from us);
10. sending you marketing messages about our business activities or the business activities of carefully selected third parties that we believe may be of interest to you, through publications or, if you have specifically consented to this, by sending you email or through the use of similar technologies (you may notify us at any time that you no longer wish to receive marketing messages);
11. providing third-party companies with statistical information about our users (however, these third-party companies will not be able to identify any individual user from this data);
12. to handle inquiries and complaints made by you or about you regarding our website;
13. to ensure the security of our website and prevent fraud;
14. to verify compliance with the terms and conditions governing the use of our website (including monitoring private messages sent through our website's private messaging service);
15. for other purposes.

If you have provided personal information for publication on our website, we will publish it. Otherwise, we will use this information in accordance with the license you have granted us.
Your privacy settings can be used to limit the publication of your personal information on our website and can be adjusted through the privacy controls on the website.
Without your explicit consent, we will not share your personal information with any third party company for direct marketing use by this or any other third party company.

E. Disclosure of personal information

We reserve the right to disclose your personal information to any of our employees, officers, policyholders, professional advisors, agents, suppliers or subcontractors to the extent and for the purposes set out in this policy.
We reserve the right to disclose your personal information to any member of our group of companies (which includes our subsidiaries, our ultimate holding company and all of its subsidiaries) to the extent and for the purposes set forth in this policy.
We reserve the right to disclose your personal information:

1. in those cases in which we are required to do so by law;
2. in connection with any current or future legal proceedings;
3. in order to establish, exercise or defend our legal rights (including providing information to other parties to prevent fraud or reduce credit risks);
4. to a buyer (or prospective buyer) of any business or assets that we sell (or intend to sell); and
   to any person who we reasonably believe may apply to a court or other authorized body for disclosure of this personal data and, in our reasonable opinion, that court or authorized body will order disclosure of this personal data.
   We will not disclose your personal information to third parties, except as provided in this Policy.

E1. International transfers of personal information

1. The information we collect may be stored, processed and transferred between any of the countries in which we operate in order to enable us to use that information in accordance with this policy.
2. The information we collect may be transferred to the following countries that do not have data protection laws similar to those in the European Economic Area: USA, Russia, Japan, China and India.
3. The personal information you provide on our website, via the Internet, may be accessible worldwide. We cannot prevent its use or misuse for criminal purposes by unauthorized persons.
4. By agreeing to these rules, you consent to the transfer of your personal information specified in Section E.

F. Retention of personal information

1. Section E sets forth the Company's policies and procedures for the retention of personal information. These policies and procedures are designed to ensure that we comply with our legal obligations to retain and delete personal information.
2. Personal information that we process for a specific purpose or purposes shall not be retained for longer than is necessary to achieve that purpose or purposes.
3. Without limiting the provisions set forth in paragraph E-2, we generally delete personal information that falls into the categories set forth below on the days and at the times set forth below:
4. personal information will be deleted when necessary
5. Notwithstanding the other provisions of Section E, we will retain documents (including electronic documents) that contain personal information
6. to the extent we are required to do so by law;
7. if we believe that the documents may be relevant to any current or future legal proceedings;
8. in order to establish, exercise or defend our legal rights (including providing information to other parties for fraud prevention or credit risk mitigation purposes).

G. Protection of your personal information

1. We will take reasonable technical and organizational measures to prevent the loss, misuse or alteration of your personal information.
2. All personal information you provide to us will be stored on our secure (both password and firewall) servers.
3. All electronic financial transactions made through our website will be protected by data encryption technology.
4. You acknowledge that you are familiar with the fact that the transmission of information over the Internet is inherently unprotected and we cannot guarantee the protection of data sent over the World Wide Web.
5. You are solely responsible for keeping your password to access our website confidential. We will never ask you for your password (except when you are trying to log in to your account on our website).

H. Changes and amendments
We reserve the right to periodically make changes and amendments to these terms and conditions and to publish a new version on our website. You should periodically check this webpage to make sure that you understand the content of the changes made to these rules. We may also notify you of changes to these rules by sending you an e-mail or through the private messaging system of our website.

I. Your rights
You can instruct us to provide you with any personal information we hold about you; we will provide such information in the following cases:

1. payment of fees;
2. providing appropriate proof of your identity, we will normally accept a notarized photocopy of your passport and an original copy of your utility bill to confirm your current address}).

We reserve the right to refuse to provide information upon your request, within the limits of applicable law.
You have the right to instruct us not to process your personal information for marketing purposes.
In practice, you will usually either agree in advance to our use of your personal information for marketing purposes, or we will give you the opportunity to opt-out of our use of your information for marketing purposes.

J. Third-party websites
Our website contains hyperlinks to, and details about, third-party websites and individuals. We have no control over, and assume no responsibility for, the privacy policies or practices of any third party companies or individuals.

K. Updating information
Please notify us in a timely manner if your personal information held by us needs to be updated or corrected.

L. Cookies
Our website uses cookies. A cookie is a file that contains an identifier (a string of letters and numbers), which is sent by a web server to a web browser and stored by the browser. In the future, the identifier is sent back to the server every time the browser requests a web page from the server. Cookies can be either "persistent" or "session": persistent cookies will be stored by the browser and will be valid until the expiration date, unless deleted by the user in advance; "session" cookies, on the contrary, will be deleted after the end of the session with the site or after closing the browser. Cookies usually do not contain any information that identifies the user. However, your personal information that we have may be linked to the information stored and received from cookies.
We use both persistent and session cookies on our website.}

1. The names of the cookies we use on our website and the purposes for which they are used are listed below:
2. On our website, we use Google Analytics and Adwords to recognize a computer when a user visits the website / track user navigation on the website / allow the use of the user's shopping cart on the website / improve the usability of the website / analyze website usage / administer the website / prevent fraud and improve website security / personalize the website for each user / target advertising that may be of interest to individual users;
3. Most browsers give you the opportunity to refuse the use of cookies, for example:
4. in Internet Explorer (version 10) you can block using the cookie management settings available in the Tools - Internet Options - Privacy - Advanced menu ("Tools," "Internet Options," "Privacy," "Advanced");
5. in Firefox (version 24) you can block all cookies by clicking "Tools " -"Options " -"Privacy": in the drop-down menu, select the item "Use custom log settings" and deselect the item "Accept cookies from sites"; and finally
6. in Chrome (version 29), you can block all cookies by entering the Settings and Management menu, selecting Settings, then Show Advanced Settings, then Content Settings, then Prevent sites from sending any data under the Cookies heading.

Blocking all cookies will have a negative impact on the usability of many websites. If you block cookies, you may not be able to use many features of our website.

1. in Internet Explorer (version 10), you must delete cookies manually (instructions on how to do this can be found at http://support.microsoft.com/kb/278 835);
2. in Firefox (version 24), cookies can be deleted by going to the Tools menu - Options - Privacy: in the drop-down menu, select the item "Use custom log settings", click "Show Cookies", and then - "Delete all Cookies";
3. in Chrome (version 29), you can delete all cookies by entering the "Settings and Management" menu, selecting "Settings", then "Show advanced settings" and "Clear browsing data", and then select "Delete cookies and other data and site plugins".