Debts & Loans

Public Offer

Version of 26 October 2026. Pro purchases in the “Debts & Loans” app for Android installed from RuStore.

This is an English translation provided for convenience. The Russian version of this offer prevails.

This document is a public offer (proposal) by the individual entrepreneur Ivan Dotsenko (the “Seller”) to enter into an agreement with a user of the “Debts & Loans” mobile app for Android installed from the RuStore app store (the “App”) for access to the extended features of the App (“Pro”) on the terms set out below. This offer is made in accordance with Article 437(2) of the Civil Code of the Russian Federation.

In accordance with Article 438(3) of the Civil Code of the Russian Federation, this offer is accepted by payment: starting a subscription or making a one-time purchase in the App through RuStore Pay.

1. Parties

Seller: Ivan Dotsenko, individual entrepreneur, payer of the professional income tax (NPD). Taxpayer ID (INN) 236501590758, OGRNIP 326237500135529. Krasnodar, Russian Federation. Email: prodocik@gmail.com.

Buyer: an individual who uses the “Debts & Loans” app for Android installed from RuStore, is at least 18 years old or uses the App with the consent of a legal representative, and has started a subscription or made a purchase through RuStore Pay.

2. Subject matter

The Seller grants the Buyer access to Pro, the extended features of the App:

• an unlimited number of active people (up to 3 without Pro);
• an unlimited number of records per person (up to 10 without Pro; the limit counts all of a person’s records, including closed ones);
• data export to a CSV file;
• the full collection of built-in avatars (part of it is available without Pro).

All other features of the App are available free of charge.

Pro is offered in one of the following options:

• monthly subscription, renewing automatically every month;
• annual subscription, renewing automatically every year;
• lifetime, a one-time purchase with no automatic renewal and no time limit, tied to the RuStore account used to make it.

3. Price and payment

Prices are shown on the App’s page in RuStore and on the payment screen at the time of purchase. Prices are in Russian rubles and include applicable taxes.

Payment is made through RuStore Pay, the payment service of the RuStore app store, under its rules. Neither the Seller nor the App receives the Buyer’s bank card details. Debt records, people and selected contacts are stored on the Buyer’s device and in the Buyer’s own backup, if backup is turned on in the system; they are not transferred to the Seller and are not involved in the payment.

4. Automatic renewal and cancellation

A subscription renews automatically for a new period of the same length at the price in effect at the time of renewal until the Buyer cancels it.

The Buyer may cancel a subscription at any time before the next renewal date in the RuStore app: Profile → Subscriptions → “Debts & Loans” → Cancel subscription. Deleting the App does not cancel the subscription. After cancellation, Pro remains available until the end of the period already paid for.

5. Provision of access

Pro is digital content with no physical medium. Access is enabled in the App once RuStore confirms the payment.

When Pro ends, the Buyer’s records are neither deleted nor hidden: existing people and records remain available, while adding beyond the free limits and exporting require Pro again.

6. Restoring a purchase

After reinstalling the App or switching to another device, access is restored with the “Restore purchase” button on the Pro screen or in the profile. Restoring requires the same RuStore account that was used for the purchase.

7. Refunds

Refunds for a subscription or a one-time purchase are made under the RuStore rules and in accordance with the Russian Federation Law “On Consumer Rights Protection”.

Turning off renewal of a subscription for future periods is done by the Buyer in the RuStore app (Section 4) and does not require contacting the Seller.

If Pro is not enabled after payment, or the Buyer wishes to request a refund:

1. use the “Restore purchase” button in the App;
2. if that does not help, write to prodocik@gmail.com, stating the date and option of the purchase and, if available, the RuStore order number or purchase identifier;
3. the Seller reviews the request within 10 days of receipt and communicates the decision; any refund is made through RuStore.

8. Liability

The Seller warrants that Pro matches the description in Section 2 and on the payment screen at the time of purchase. The Seller is not liable for the inability to use Pro for reasons beyond the Seller’s control, including no internet connection during payment or restoration, operating system or device failures, or changes to the RuStore rules.

The App is a personal record-keeping tool. The Seller is not a party to any settlements between the Buyer and the people in the Buyer’s records.

9. Personal data

Data processing is described in the Privacy Policy. Payment data is processed by RuStore, not by the Seller.

10. Term and amendments

This offer is effective from the date of publication until withdrawn. The current version is published at https://iou-debt-tracker.pages.dev/en/offer/ (Russian version: https://iou-debt-tracker.pages.dev/offer/).

The Seller may amend this offer; a new version takes effect upon publication. Agreements already concluded are governed by the version in effect at the time of acceptance, and each subscription renewal is governed by the version in effect at the time of that renewal.

11. Governing law

The agreement is governed by the laws of the Russian Federation. Disputes not resolved by negotiation are referred to a court in accordance with consumer protection legislation.

12. Contacts

Questions about this offer and purchases — prodocik@gmail.com or the support page.