Main

PUBLIC OFFER AGREEMENT

for Informational Consulting Services

Moscow April 13, 2026

Joint Stock Company “Navigator of Health” (JSC “NAVIGATOR OF HEALTH”), represented by General Director Yulia Borisovna Borisova, acting pursuant to the Charter, hereby publishes this public offer in accordance with Articles 435 and 437 of the Civil Code of the Russian Federation and proposes that legally capable individuals, individual entrepreneurs and legal entities, including those acting through duly authorized representatives, enter into an agreement for paid informational consulting services on the terms set out below.

1. Terms and Definitions

For the purposes of this Offer, the following terms shall have the meanings set out below:

1. “Offer” means this public offer agreement, including all appendices, notices and documents expressly incorporated herein by reference.
2. “Agreement” means a paid services agreement concluded between the Company and the User by the User’s Acceptance of this Offer.
3. “Company” means JSC “NAVIGATOR OF HEALTH”.
4. “User” means an individual, individual entrepreneur or legal entity that accepts this Offer. Where the User is an individual acquiring services for personal, family or other non-business purposes, the User shall also be deemed a consumer for the purposes of applicable consumer protection legislation.
5. “Website” means the website available at: http://nvhealth.ru and any related pages or interfaces used by the Company to provide information about the Services.
6. “Services” means informational consulting services selected by the User on the Website or otherwise confirmed by the Company before payment. Services may include general informational consultations, access to informational materials, organizational guidance and other non-medical consulting services expressly described by the Company before Acceptance.
7. “Acceptance” means the User’s full and unconditional acceptance of this Offer by performing the actions specified in Section 3 of this Offer.
8. “Order” means a specific Service selected by the User, including its price, scope, format, date or term of performance and other essential conditions communicated to the User before payment.

2. Subject Matter of the Agreement

9. The Company undertakes, for a fee, to provide the User with the Services selected by the User and confirmed in the relevant Order, and the User undertakes to pay for such Services and comply with this Offer.
10. The exact scope, format, price, deadlines and other parameters of a specific Service shall be indicated on the Website, in the payment interface, in the Company’s confirmation message or in another written/electronic communication provided to the User before Acceptance.
11. Unless expressly stated otherwise by the Company in relation to a specific Order, the Services are provided remotely through the Website, electronic communications, telephone, video communication, provision of digital materials or other means agreed with the User.
12. The Services do not include medical services, diagnosis, treatment, prescribing of medicines, medical intervention, issuance of medical records, medical certificates, prescriptions or other medical documentation, telemedicine consultation, or emergency assistance. Any information provided within the Services is for general informational purposes and shall not be used as a substitute for professional medical advice, diagnosis or treatment.
13. If the User requests information requiring medical diagnosis, treatment, prescribing of medicines, emergency care or another activity requiring a medical license, the Company may refuse to provide such information within the Services and may recommend that the User contact a licensed medical organization or emergency services.

3. Acceptance of the Offer and Conclusion of the Agreement

14. The User shall review this Offer, the description of the selected Service, the price and the Privacy Policy before Acceptance.
15. Acceptance shall be deemed performed only when the User: (a) pays for the selected Service; and/or (b) ticks a checkbox or performs another clearly identified action confirming acceptance of this Offer before payment or before receiving access to a paid Service.
16. Mere visiting of the Website, viewing of pages, use of publicly available functionality or reading of materials without payment or express confirmation shall not by itself constitute Acceptance of this Offer.
17. Acceptance of this Offer shall mean that the User accepts all terms of the Offer fully and unconditionally. Acceptance under reservations, additions or amendments shall not be valid unless expressly accepted by the Company in writing.
18. By accepting the Offer, the User confirms that they have full legal capacity, or, if acting on behalf of a legal entity or another person, that they possess all necessary authority to conclude the Agreement.
19. The Agreement shall be deemed concluded from the moment of Acceptance. The version of the Offer published at the time of payment or express confirmation shall apply to the relevant Order.
20. The Company may keep technical records confirming Acceptance, including date, time, User identifier, payment information, IP address, version of the Offer and other legally permissible technical data.

4. Price, Payment and Taxes

21. The price of each Service shall be displayed to the User before Acceptance on the Website, in the payment interface, in an invoice or in another communication from the Company.
22. The Company may change prices unilaterally. Any price change shall not affect Services already paid for by the User unless otherwise required by mandatory law or agreed by the Parties.
23. The User’s payment obligation shall be deemed fulfilled when the funds are credited to the Company’s bank account or when the payment operator confirms successful payment, depending on the payment method used.
24. Payment may be made using the methods offered by the Company. The User shall independently verify payment details before making payment.
25. Unless otherwise stated before payment, the price includes all applicable taxes and charges required under applicable law and the Company’s tax status.

5. Procedure for Provision of Services

26. The Company shall provide the Services within the deadlines and in the format specified for the relevant Order.
27. Where the Service requires scheduling, the User shall provide accurate contact details and attend the consultation or communication session at the agreed time.
28. Where the Service is provided by giving access to materials, the Service shall be deemed provided from the moment access is granted, unless a different rule is stated in the Order.
29. Where the Service is provided in the form of a consultation, the Service shall be deemed provided upon completion of the consultation or, if the User fails to attend without timely cancellation, upon expiration of the scheduled consultation time, to the extent permitted by mandatory law.
30. If performance is impossible due to the User’s failure to provide necessary information, incorrect contact details, absence at the agreed time or other circumstances attributable to the User, the Company may suspend performance until such circumstances are eliminated.
31. The Company may engage employees, contractors and other specialists for the provision of the Services while remaining responsible to the User as required by applicable law.

6. Cancellation, Withdrawal and Refunds

32. A User who is a consumer may withdraw from the Agreement at any time, subject to payment to the Company of the expenses actually incurred by the Company in connection with performance of the Agreement, where such expenses are proven and recoverable under applicable law.
33. A User that is not a consumer may withdraw from the Agreement by giving the Company at least 10 calendar days’ prior notice, unless another cancellation rule is stated for the relevant Order or agreed by the Parties.
34. The Company may withdraw from the Agreement where the User materially breaches this Offer, provides false information, fails to pay for the Service, misuses the Website, violates legal requirements or makes performance impossible.
35. Refunds, where due, shall be made to the same payment method used for payment unless another method is required by law or agreed by the Parties.
36.  If the Service has been fully provided before the User’s withdrawal request, the fee shall not be refunded except where mandatory law provides otherwise.
37. If only part of the Service has been provided, the Company may retain the portion of the fee corresponding to the actually provided Services and/or proven expenses, to the extent permitted by law.
38. The User may submit a cancellation or refund request using the Company’s contact details specified in this Offer.

7. Rights and Obligations of the User

39. The User shall provide accurate and complete information necessary for the provision of the Services.
40. The User shall use the Website and Services lawfully and in good faith.
41. The User shall not use automated software, scripts, bots, scraping tools or other code for unauthorized collection of information from the Website or interference with its operation.
42. The User shall not distribute unlawful information, including information aimed at promoting war, inciting national, racial or religious hatred, or information whose dissemination entails criminal, administrative or civil liability.
43. The User shall not reproduce, distribute, transfer, sell or otherwise use materials received from the Company beyond the purposes of personal/internal use unless the Company grants written permission.
44. The User has the right to receive information about the selected Service, its price, format and terms before Acceptance.

8. Rights and Obligations of the Company

45. The Company shall provide the Services in accordance with this Offer and the terms of the relevant Order.
46. The Company may refuse or suspend provision of the Services where the User breaches this Offer, fails to pay, provides false information, acts unlawfully or requests services beyond the scope of this Offer.
47. The Company may update the Website, change the list of Services, amend prices and publish new versions of this Offer. Such amendments shall not retroactively worsen the terms of already paid Orders unless required by mandatory law.
48. The Company may send the User service notifications related to the Agreement, including payment confirmations, scheduling notices, access information, cancellation notices and responses to requests.

9. Personal Data, Privacy and Communications

49. The Company acts as the personal data operator in respect of personal data processed for the purposes of conclusion and performance of the Agreement, communication with the User, payment processing, compliance with legal obligations and other purposes specified in the Company’s Privacy Policy published on the Website.
50. Acceptance of this Offer does not replace separate consents to personal data processing, advertising communications or processing of special categories of personal data where such separate consents are required by law.
51. The User shall review the Privacy Policy before providing personal data to the Company. The Privacy Policy shall specify, among other things, categories of personal data processed, purposes and legal grounds for processing, retention periods, rights of the data subject and contact details for personal data requests.
52. The Company may use the User’s contact details to send service-related communications necessary for performance of the Agreement.
53. Advertising and marketing communications may be sent only where the Company has the legal basis or consent required by applicable law.

10. Intellectual Property

54. All materials, texts, presentations, videos, scripts, recommendations, documents and other content provided by the Company are protected by intellectual property law unless expressly stated otherwise.
55. The User receives a limited, non-exclusive, non-transferable right to use the materials solely for personal or internal purposes related to the received Service.
56. The User may not copy, publish, distribute, transfer to third parties, sell, sublicense, modify or create derivative works based on the Company’s materials without prior written consent of the Company.

11. Liability and Warranties

57. The Parties shall be liable for non-performance or improper performance of their obligations in accordance with applicable law and this Offer.
58. The Company does not warrant that general informational materials will be suitable for a specific medical, legal, financial or other individual purpose of the User unless such purpose was expressly accepted by the Company in the relevant Order.
59. The Website and publicly available materials may be provided “as is” to the extent permitted by law. This provision shall not limit mandatory rights of consumers.
60. The Company shall not be liable for the User’s independent decisions made on the basis of general informational materials where the User failed to obtain necessary professional advice or medical assistance.
61. The liability of the Company under an Order may be limited to the price paid by the User for the relevant Order, except where liability may not be limited under mandatory provisions of applicable law, including consumer protection legislation.
62.Nothing in this Offer shall exclude or limit liability for intentional misconduct, gross negligence where such limitation is prohibited by law, harm to life or health where liability is imposed by mandatory law, or other liability that cannot be excluded or limited by agreement.
63. If the User violates restrictions on use of the Website, intellectual property, confidentiality or unlawful dissemination of information, the User shall compensate the Company for losses caused by such violation to the extent permitted by law.

12. Force Majeure

64. The Parties shall be released from liability for partial or complete failure to perform obligations if such failure results from extraordinary and unavoidable circumstances beyond the reasonable control of the affected Party, arising after conclusion of the Agreement.
65. The affected Party shall notify the other Party of force majeure circumstances within 5 calendar days after it becomes aware of them, where possible.
66. The period for performance of obligations shall be extended proportionally to the duration of force majeure circumstances and their consequences.
67. If force majeure circumstances continue for more than one calendar month, the Parties shall negotiate in good faith to determine possible alternative methods of performance or termination of the Agreement.

13. Claims and Dispute Resolution

68. The Parties shall seek to resolve disputes through negotiations, written complaints and pre-trial claims.
69. A written complaint or pre-trial claim to the Company may be sent to the registered address, mailing address, email address or contact form specified in this Offer or on the Website. The complaint or claim shall include the User’s name, contact details, description of the issue, Order/payment details and the User’s request.
70. The Company shall consider complaints and pre-trial claims within the deadlines established by applicable law. Where no mandatory deadline applies, the Company shall respond within 10 business days from receipt of the complaint or claim.
71. Disputes with Users who are consumers shall be resolved in accordance with the mandatory rules of consumer protection legislation.
72. Disputes with Users who are legal entities or individual entrepreneurs acting for business purposes shall be resolved by the competent court at the location of the Company, unless another rule is required by mandatory law.
73. The Agreement shall be governed by the laws of the Russian Federation.

14. Amendment of the Offer and Version Control

74. The Company may amend this Offer by publishing a new version on the Website.
75. The new version of the Offer shall enter into force from the date of publication unless a later effective date is specified in the new version.
76. The terms of the Offer effective at the moment of Acceptance shall apply to the relevant Order. Later amendments shall not apply to already paid Orders unless expressly agreed by the User or required by mandatory law.
77. The Company may keep an archive of previous versions of the Offer.

15. Final Provisions

78. If any provision of this Offer is held invalid or unenforceable, the remaining provisions shall remain in force to the extent permitted by law.
79. Nothing in this Offer shall be construed as creating an employment relationship, agency, partnership, joint venture or other relationship not expressly provided herein.
80. The Parties may exchange legally significant communications by postal mail, email, Website functionality, messenger or other communication method used in the course of their interaction, provided that the sender and content of the message can be reasonably identified.
81. The User shall promptly notify the Company of changes to contact details or other information relevant to performance of the Agreement. The risks of failure to provide such notification shall be borne by the User.
82. By accepting this Offer, the User confirms that they have read, understood and accepted the terms of this Offer, have received necessary information about the selected Service before payment, and enter into the Agreement voluntarily.