This is a translation provided for convenience. The Russian version is the legally binding one; in case of any discrepancy, the Russian version prevails. Russian version
1. Parties and terms
Contractor — Volkova Ekaterina Alekseevna (Волкова Екатерина Алексеевна), an individual applying the special tax regime “Tax on Professional Income” — self-employed (professional income tax payer), INN 662514747286, email svoya.karta@yandex.ru, phone +7 982 729-75-75, owner of the website https://svoya-karta.ru.
Customer — a legally capable individual over 18 years of age who has paid for the service. Birth Data — the date, time (or part of the day) and place of birth. Calculation — the automatic determination of the positions of celestial bodies from astronomical ephemerides and the performance of arithmetic operations under the rules of the systems used. Report — a text document in PDF format produced from the results of the Calculation.
2. General provisions
This document is a public offer within the meaning of paragraph 2 of Article 437 of the Civil Code of the Russian Federation. Payment is equivalent to concluding a contract in writing (paragraph 3 of Article 438 of the Civil Code of the Russian Federation).
The service is informational and analytical. The Contractor does not provide medical, psychological, legal, financial or other services subject to licensing, and does not carry out educational activity. The Report is generated by a program using algorithms that are the same for everyone and is not an individual consultation.
3. Subject of the contract
The Contractor performs the Calculation from the Customer’s data, generates the Report and provides access to it; the Customer pays for the service. The composition and scope of the Report are described on the order page — this description is part of this offer.
Quality of the source data. The accuracy of the Report depends on the accuracy of the stated birth time. If the time is approximate or not stated at all, some results are calculated with assumptions, which the site states before payment and directly in the Report. Inaccuracy caused by incorrect data from the Customer is not a defect of the service.
4. Procedure for providing the service
4.1. The Customer enters the Birth Data and an email address and pays — 100% prepayment through the payment service Robokassa (OOO “ROBOKASSA”, INN 5047063929): by bank card, via the Faster Payments System (SBP) or SberPay. Bank card details are entered on the payment service’s page, are not passed to the Contractor and are not stored by the Contractor. The receipt for the payment is generated through the “My Tax” app and sent to the email address provided. 
4.2. The service is provided automatically right after the payment is received. The Report becomes available via a link on the site and is additionally sent by email to the address provided.
4.3. The service is considered provided in full at the moment the Report is generated and the Customer is given access to it. No separate acceptance certificate is drawn up.
4.4. The Customer is responsible for the correctness of the email address provided. If the email has not arrived, check the “Spam” folder and write to svoya.karta@yandex.ru; access via the link on the site remains regardless of whether the email is delivered.
4.5. If it is technically impossible to generate the Report, the payment is refunded in full.
4.6. On-screen readings. Compatibility of two people, the group reading, “How to Be With Loved Ones”, the Destiny Matrix, compatibility by the Pythagorean Square, birth time refinement, “Your 2027 Year”, the Solar Return for a year and the “Child Chart” are provided by showing the result on a page of the site right after payment; the compatibility of two people also includes the couple’s PDF file, “Your 2027 Year” includes a PDF file for the year, the Solar Return for a year includes a Solar Return PDF file, and the “Child Chart” includes the PDF file “Your Child”. “Money and Career” and “Best Dates” (readings in Russian) are provided in the same way and include a PDF file of the reading; “Best Dates” is paid for one event (wedding, deal, move, new job or trip) and shows days starting from the day after opening, but no further than 90 days from payment: within these 90 days the reading may be reopened; after that, a new payment or a subscription is needed. The “Chart Poster” is an A3 PDF file for printing that becomes available for download right after payment. The bundle “Couple and Your 2027 Year” is the compatibility of two people and “Your 2027 Year” for the first of the two for a single payment; each part is opened as a separate reading under this clause. The set “2027 for Two” is the compatibility of two people and “Your 2027 Year” for each of the two for a single payment; each part is opened as a separate reading under this clause. The service is considered provided at the moment the result is shown. A paid reading (except “Best Dates”, see above) can be opened again without payment for 365 days by entering the same Birth Data — in the same browser or via the key link from the email, if an email was provided at payment. A change of the dates, time or place of birth is a new reading. For the compatibility of two people and “Your 2027 Year”, only a change of the birth dates is considered a new reading: refining the time or place of birth of the same people does not change the reading. For the Solar Return for a year, a new reading is a change of the date of birth or of the Solar Return year: refining the time and place of birth, as well as the place where the birthday is spent, does not change the reading. For the “Child Chart”, a new reading is a change of the child’s date, time or place of birth; a change of the name does not change the reading.
4.7. Subscription. A subscription opens all the readings from clause 4.6 (except the services of clause 4.12) and the Report (PDF) with no extra charges for 30 calendar days from the moment of payment, and the “My Seven Charts for a Year” subscription — for 365 calendar days from the moment of payment. The subscription key is sent to the email provided and works in any browser to which it has been transferred via the link. There is no automatic renewal or recurring charges: when the term ends, the subscription can be paid for again. The “Consultant Pro” subscription is valid for 30 calendar days from the moment of payment, opens the same as the 30-day subscription and, in addition, lets the Customer put their name, contacts and logo into the Report (PDF and Word) instead of the Site’s marks; the Customer is responsible for having the right to use them.
4.8. Gift certificate. A certificate is an electronic code for the amount of 799, 1,499 or 3,990 rubles (face value), which can be given to another person. The code and the card with it are sent to the email provided and shown on the order page right after payment. The code pays for any services from clauses 4.1–4.7 at the prices in effect at the moment of payment with the code: the price of the service is deducted from the balance on the code, and the balance can be spent in parts within one year from the date of purchase of the certificate, inclusive. If the balance is not enough, the service can be paid for another way, and the balance is kept. After the term expires, the code is not accepted. Payment with a code is payment for a service: clauses 4.1–4.7 and Section 6 apply to it, and the checkboxes on the payment page are ticked by the person who enters the code. A certificate with a face value of 3,990 rubles, under which nothing has been paid yet, pays for the “My Seven Charts for a Year” subscription during the validity of the code, regardless of any change in its price. If a refund is made for a service paid for with a code (Section 6), the amount is restored to the code; the validity period of the code is extended by 30 days if less than that remains before it ends. The balance not spent by the end of the term is returned to the buyer of the certificate on request sent to svoya.karta@yandex.ru.
4.9. Reading pack. A pack is an electronic code that opens certain readings from clause 4.6, each one once: “The Whole Couple” — compatibility of two people, compatibility by the Pythagorean Square and “How to Be With Loved Ones”; “Matrix and My 2027” — the Destiny Matrix and “Your 2027 Year”; “My Year” — “Your 2027 Year” and the Solar Return for a year; “Listen and Ask” — the “Audio Reading”, “Ask Your Chart” (clause 4.12) and the month forecast (clause 4.13). The code is sent to the email provided and shown on the order page right after payment. Each reading of the pack is opened with the code on the page of that reading, using the data entered by the Customer; the readings of one pack may be opened with different data. The code is valid for one year from the date of payment for the pack, inclusive, and is not accepted after the term expires. Opening a reading with a code is the provision of the service: clause 4.6 and Section 6 apply to it, and the checkboxes on the payment page are ticked by the person who enters the code. The share of the pack price attributable to each reading is calculated in proportion to the prices of these readings separately on the date of payment for the pack. If a refund is made for a reading opened with a code (Section 6), the reading can be opened with the code again.
4.10. “Child Chart”. A reading of a child for the parent: Human Design, the natal chart and the Destiny Matrix based on the child’s Birth Data (the reading is in Russian). The child’s data is entered by their parent or other legal representative; by placing the order, the buyer confirms that they are the child’s legal representative and consents to the processing of the child’s data. The Customer remains the adult who paid for the service (Section 1).
4.11. “Pet Horoscope” is a free gift: it opens on a page of the site if the Customer’s browser holds a valid key to any paid service. It is not sold separately and is not included in the price of services.
4.12. “Ask Your Chart” and “Audio Reading” (in Russian). “Ask Your Chart” is five questions of the Customer about themselves answered by a neural network (YandexGPT, Yandex.Cloud LLC) based on the Customer’s calculated chart; to answer, the Contractor passes the chart data and the question text to the network. Five questions are given per payment and per one set of birth data; a question that received no answer is not counted. “Audio Reading” is an MP3 file with the main points of the reading voiced by speech synthesis (Yandex SpeechKit); it may be downloaded again for 365 days with the same birth data. A “Reading audio” is an MP3 file with the text of a paid reading from clause 4.6 (pair compatibility, group, “How to treat loved ones”, destiny matrix, Pythagoras square compatibility, “Your 2027 Year”, Solar Return, “Child’s chart”, “Money and career”, “Best dates”) voiced by the same speech synthesis; it is ordered separately on that reading’s page once the reading is open, costs the same as the reading itself but not less than 299 rubles, and may be downloaded again for 365 days with the same data. A long reading is voiced up to 12,000 characters; the full text stays in the reading’s PDF. Report chapters as audio (“Human Design in full”, “Astrology”, “Jyotish”, “Numerology”, “Destiny matrix”) are separate “Audio Reading” recordings at 299 rubles per chapter, or all five chapters as a set for 899 rubles (each chapter a separate file), without buying the Report; a chapter is voiced up to 40,000 characters. The answers and the voiced text are for information and entertainment and are not medical, legal, financial or psychological advice. The services of clause 4.12 are not included in the subscription. The service is deemed rendered when the first answer is shown or the file download starts.
4.13. Forecast. The day forecast is shown free of charge. Before payment the week and month forecasts are shown in part (the first day of the week, the first week of the month); in full — after payment, for the same birth data: the week forecast for 7 calendar days from payment, the month forecast for 31 calendar days (it also opens the week forecast). The year forecast by month is part of the “Your 2027 Year” service (clause 4.6). The week and month forecasts are included in the subscription (clause 4.7).
5. Price and receipt
The price is stated on the order page and is final. At the time this offer is published: “Full Personal Reading (PDF)” — 799 (seven hundred ninety-nine) rubles.
Not subject to VAT because of the application of the special tax regime “Tax on Professional Income”. The receipt is sent to the Customer in electronic form to the email address provided, in the manner established by the legislation of the Russian Federation.
On-screen readings (clause 4.6): compatibility of two people — 99 rubles; “Your 2027 Year” — 499 rubles; Solar Return for a year — 799 rubles; “Child Chart” — 799 rubles; “Money and Career” — 399 rubles; “Best Dates” — 399 rubles; “Chart Poster” — 249 rubles; week forecast — 49 rubles; month forecast — 199 rubles; “Ask Your Chart” (five questions) — 199 rubles; “Audio Reading” — 299 rubles; a “Reading audio” (clause 4.12) — the price of the reading itself, but not less than 299 rubles; the bundle “Couple and Your 2027 Year” — 499 rubles; the set “2027 for Two” — 899 rubles; the group reading, “How to Be With Loved Ones”, the Destiny Matrix, compatibility by the Pythagorean Square, birth time refinement — 299 rubles per reading. Subscription for 30 days (clause 4.7) — 999 rubles, “Consultant Pro” — 2,490 rubles, “My Seven Charts for a Year” (365 calendar days from the moment of payment) — 3,990 rubles. Gift certificate (clause 4.8) — 799, 1,499 or 3,990 rubles: the price of the certificate equals its face value, and with a partner code it is 10% lower. Reading packs (clause 4.9): “The Whole Couple” — 590 rubles, “Matrix and My 2027” — 690 rubles, “My Year” — 990 rubles, “Listen and Ask” (the audio reading, five “Ask Your Chart” questions and the month forecast) — 549 rubles; the receipt is issued as a single line item with the name of the pack.
If the order is placed with a partner code of the Site — via a partner’s link or with a code entered in the payment window — the price of the service is 10% lower than stated in this clause, rounded down to a whole ruble. The code is valid for 90 days from following the link or entering the code. The discount does not apply when paying with a gift code and is not combined with other discounts.
The Contractor may change the price; a change does not apply to orders already paid for or to subscriptions in force.
6. Cancellation and refund
6.1. Before the service is provided (that is, before the Report is generated), the Customer may cancel it, and the payment is refunded in full.
6.2. By making the payment, the Customer, by ticking the checkbox on the payment page, gives consent to the immediate start of the service and confirms awareness of losing the right to demand a refund once the Report has been generated and access to it has been provided.
6.3. After the service has been provided, no refund is made: the service has been provided in full, and its result has been delivered in electronic form and cannot be returned.
6.4. The restriction in clause 6.3 does not apply if the service was provided with defects. The following are considered defects: failure to provide the Report after payment; the Report not matching the description on the site (a different composition, a substantially smaller scope); a calculation error with correct source data; technical defects of the file that make it unfit for reading.
6.5. The following are not considered defects: disagreement with the content of the Report; the content not matching expectations or the results of other services; inaccuracies caused by approximate data provided by the Customer (clause 3).
6.6. Clauses 6.1–6.5 apply to on-screen readings (clause 4.6) in the same way: before the result is shown — a full refund, afterwards — a refund only in case of a defect. Subscription (clause 4.7): if no paid reading has been opened under it and no Report has been received, the entire price of the subscription is refunded. If readings have been opened, the price of the subscription is refunded less the regular price of the services opened under it at the prices in clause 5; each service with the same data is counted once. If the regular price of what has been opened equals or exceeds the price of the subscription, no refund is made. For this calculation the Contractor keeps a record of the services opened under the subscription, without the email address and without Birth Data (the Policy, purpose 2).
6.7. A refund request is sent to svoya.karta@yandex.ru stating the date of payment, the email address of the order and a description of the defect. It is considered within 10 calendar days; if it is justified — the refund is made by the same method by which the payment was made, within 10 calendar days from the date of the decision.
6.8. The Customer’s rights as a consumer, established by the Law of the Russian Federation “On Protection of Consumer Rights”, apply in full and are not limited by this offer.
6.9. Gift certificate (clause 4.8): as long as no service has been paid for with the code, the buyer of the certificate may cancel it and receive the amount paid in full — on request sent to svoya.karta@yandex.ru with the order number; the code then ceases to be valid. After the first payment with the code, clauses 6.1–6.6 apply to the services paid for with it.
6.10. Reading pack (clause 4.9): as long as no reading has been opened with the code, the buyer of the pack may cancel it and receive the amount paid in full; after that — cancel the readings not yet opened with the code and receive their share of the pack price (clause 4.9). The request is sent to svoya.karta@yandex.ru with the order number; the code then ceases to be valid. Clauses 6.1–6.6 apply to the readings opened with the code.
6.11. Customers residing in Brazil (version of 12.11.2026): within 7 calendar days of payment the Customer may cancel the service and receive the amount paid in full, provided the result has not yet been opened on screen and the Report (PDF) has not been downloaded; once the result is opened or the Report downloaded, clauses 6.2–6.5 apply. Requests from such Customers are answered within 5 business days.
7. Liability
The materials in the Report are informational and educational in nature (see the Disclaimer). The Customer makes decisions independently; the Contractor is not responsible for them or for their consequences. The Contractor’s liability is limited to the price of the service paid for, unless otherwise provided by the legislation on consumer rights protection.
The Contractor is not responsible for interruptions caused by failures of communication networks, payment systems and the hosting provider’s equipment.
8. Personal data
To provide the service, the following are processed: name (if provided), birth data, email address, and information about the order and payment. The procedure for processing is set out in the Personal Data Processing Policy. The legal basis is the performance of a contract (clause 5 of part 1 of Article 6 of Federal Law No. 152-FZ “On Personal Data”) and the requirements of tax legislation.
9. Intellectual property
The Report is provided for personal use: it can be saved, printed and shown to others. Commercial reproduction of the site’s materials, filling other resources with them and passing off the readings as one’s own product without the Contractor’s written consent are not permitted.
10. Disputes and final provisions
A claim can be sent to svoya.karta@yandex.ru; it is considered within 10 business days. If no agreement is reached, the dispute is referred to court; a Customer who is a consumer may go to court under the rules established by the legislation on consumer rights protection. The law of the Russian Federation applies.
The offer is effective from the moment of publication until withdrawn. The version in force at the moment of payment applies to the relations of the parties. The offer is addressed to persons over 18 years of age.