Service Agreement & Loan Terms

1. Definitions

The following terms have the meanings set forth below throughout this Service Agreement:

• "Agreement" — this Service Agreement and Loan Terms document, including all schedules and appendices.
• "Lender" — OOO ,MITNAS, a limited liability company registered and operating under the laws of the Russian Federation.
• "Borrower" — a natural person who has accepted the terms of this Agreement and to whom the Lender has granted a consumer loan.
• "Principal" — the original sum of money borrowed under this Agreement, exclusive of interest, fees, and other charges.
• "Daily Rate" — the daily interest rate expressed as a percentage of the outstanding principal balance, accrued each calendar day.
• "APR" (Annual Percentage Rate) — the annual percentage rate of total cost of credit to the Borrower, calculated in accordance with Bank of Russia Directive No. 4539-U.
• "Term" — the period from the disbursement date to the scheduled repayment date, expressed in calendar days.
• "Processing Fee" — a one-time origination fee charged at the time of loan disbursement, expressed as a percentage of the Principal.
• "Total Cost of Credit" — the sum of Principal, accrued interest, and Processing Fee payable by the Borrower over the full Term.
• "Due Date" — the date on which the full outstanding balance must be repaid as specified in the individual loan schedule.
• "Prepayment" — any repayment of principal made before the scheduled Due Date.
• "Default" — failure by the Borrower to make a required payment within 5 calendar days of the Due Date.

2. Loan Parameters

OOO ,MITNAS provides consumer loans within the following parameters. Individual loan terms are specified in the personal loan schedule issued to each Borrower at origination.

All parameters are subject to applicable limits set by the Bank of Russia. OOO ,MITNAS reserves the right to adjust rates within regulatory caps for new loan applications based on credit risk assessment.

3. Cost of Credit

The total cost of a loan consists of two components: accrued interest and the processing fee. There are no hidden charges.

No additional charges, insurance premiums, or compulsory service fees are imposed. Borrowers are not required to purchase any ancillary product as a condition of obtaining a loan.

4. Calculation Examples

The following worked examples illustrate how loan costs are calculated. Actual terms will be specified in the individual loan schedule provided to each Borrower.

Calculation method: Interest = Principal × Daily Rate × Term. Processing Fee = Principal × 0.5%. APR calculated per Bank of Russia Directive No. 4539-U using the net present value method. Examples are illustrative only and do not constitute a binding offer.

5. Repayment Rules

Repayment is governed by the following rules:

• Repayment date: The full outstanding balance (Principal + accrued interest + Processing Fee) is due on the Due Date specified in the individual loan schedule.
• Repayment method: Payment must be made by bank transfer to the account details provided in the loan schedule. Payments are credited on the business day they are received by OOO ,MITNAS.
• Prepayment: The Borrower may repay all or part of the outstanding balance at any time before the Due Date without penalty. For partial prepayments, interest is recalculated based on the reduced principal for the remaining term.
• Prepayment notice: For prepayments exceeding 50,000 RUB, the Borrower must notify OOO ,MITNAS at least 3 business days in advance via email to yona@santim.space.
• Payment allocation: Payments received are allocated in the following order: (1) late fees, (2) accrued interest, (3) principal.
• Grace period: A 5-calendar-day grace period applies after the Due Date before a payment is classified as overdue. Interest at the contracted daily rate continues to accrue during this period.
• Late payment: After the grace period, an additional late payment fee of 0.1% of the overdue amount per calendar day will be charged, not to exceed 20% of the outstanding principal.
• Currency: All payments must be made in Russian Rubles (RUB). Payments in other currencies will not be accepted.

6. Rights & Obligations

Borrower Rights

• Receive the full Principal amount within 1 business day of loan approval and Agreement execution.
• Prepay the loan, in whole or in part, at any time without prepayment penalty.
• Receive a complete, plain-language disclosure of all loan costs (APR, total interest, fees) prior to signing.
• Request a payment schedule, account statement, or balance confirmation at any time.
• Withdraw from this Agreement within 14 calendar days of signing by repaying the full principal plus interest accrued, with no further fees, per Article 11 of Federal Law No. 353-FZ.
• File a complaint with OOO ,MITNAS and, if unresolved, with the Bank of Russia or the Financial Ombudsman.

Borrower Obligations

• Repay the full outstanding balance on or before the Due Date.
• Provide accurate and truthful information during the credit application process.
• Notify OOO ,MITNAS within 5 business days of any change to contact information, address, or employment status.
• Not use loan proceeds for any illegal purpose or in violation of applicable Russian law.
• Maintain a valid bank account for disbursement and repayment throughout the loan term.

Lender Rights

• Verify the Borrower's identity, creditworthiness, and the accuracy of submitted information.
• Decline a loan application without obligation to provide reasons.
• Demand early repayment of the full outstanding balance in the event of Default or material misrepresentation.
• Pursue legal recovery of overdue amounts in accordance with applicable Russian law.
• Share information with credit bureaus as required by Federal Law No. 218-FZ.

Lender Obligations

• Disburse the approved Principal to the Borrower within the timeframe specified in this Agreement.
• Maintain the confidentiality of Borrower's personal and financial data per Federal Law No. 152-FZ.
• Provide clear cost disclosures before Agreement execution.
• Respond to Borrower complaints within 15 business days.
• Not charge fees or costs not disclosed in this Agreement or the individual loan schedule.

7. Disputes & Complaints

OOO ,MITNAS is committed to resolving all disputes and complaints fairly and transparently. The following procedure applies:

1. Step 1 — Direct contact: Submit your complaint in writing to yona@santim.space with "Complaint" in the subject line. Include your name, loan reference number, and a clear description of the issue. We will acknowledge receipt within 2 business days and provide a substantive response within 15 business days.
2. Step 2 — Escalation within OOO ,MITNAS: If you are not satisfied with the initial response, you may request escalation to a senior complaints handler. We will issue a final internal response within 30 business days of the original complaint date.
3. Step 3 — Financial Ombudsman: If your complaint remains unresolved after our internal process, or if 30 business days have elapsed without a final response, you may refer the matter to the Financial Ombudsman Service (Финансовый уполномоченный) at finombudsman.ru, if your claim does not exceed 500,000 RUB.
4. Step 4 — Bank of Russia: You may also file a complaint with the Bank of Russia (cbr.ru) regarding potential violations of consumer financial protection regulations.
5. Step 5 — Court proceedings: You retain the right to pursue legal action in the competent courts of the Russian Federation at your place of residence, as provided under the Law on Consumer Protection.

All disputes arising from this Agreement shall be governed by the laws of the Russian Federation. The applicable substantive law is: Federal Law No. 353-FZ "On Consumer Credit (Loans)", the Civil Code of the Russian Federation, and Bank of Russia Regulations.

8. Contact Information

For all inquiries, complaints, or correspondence regarding this Agreement:

• Company: OOO ,MITNAS
• Email: yona@santim.space
• Phone: 14135265997+
• Website: santim.space
• Support portal: santim.space/support.html

Office hours for phone support: Monday–Friday, 09:00–18:00 MSK. Email support is available 7 days a week with responses within SLA windows specified on the Support page.

This Agreement is provided in Russian and English. In the event of any discrepancy between language versions, the Russian-language version shall prevail.