2026-10-05-v4 · 2026-10-04

The short version

Premium and Business are bought once for 1, 3, 6 or 12 calendar months. There is no automatic renewal and no daily charging: when the term ends, the subscription simply ends.

You can pay from the rouble balance or, where a package has a YOUFI price, with YOUFI bonus units. YOUFI and bonus roubles (Promo RUB) are not money: they cannot be withdrawn or exchanged for roubles.

Choosing record currencies (rouble, US dollar, euro, tenge, lira) is included in Trial, Premium, Business and Founder. On the free plan new records are kept in roubles.

Before you top up: if a payment that earned you bonuses is refunded or disputed through your bank, those bonuses are cancelled in the corresponding part, and purchases paid with such bonuses may be recalculated. See the Refund Policy for details.

General terms

These Terms apply together with the Public Offer, the Personal Data Processing Policy and the Refund Policy. If they conflict with mandatory requirements of the law of the Russian Federation, the law prevails.

Packages and payment

Before you confirm a purchase the plan, term, total price and the start of access are shown. The price and payment method are fixed at purchase; new prices do not change completed purchases. Having money on the rouble balance does not by itself create or extend a subscription.

A package is paid from the internal RUB balance or in YOUFI where a YOUFI price is published. Long-term discounts and promotions are shown next to the total price and are not combined with other promotions unless the interface says otherwise.

Multi-currency tracking

Choosing the currency of records, of reports and of new operations is available while Trial, Premium, Business or Founder is active. On the free plan new records are created in roubles and the currency pickers are inactive.

If the right to choose currencies ends, existing records are neither deleted nor recalculated: they keep their currency and stay available, including when edited. A new record is created in roubles. Saved currency settings remain, but can be changed only while the right is active. Currency choice becomes available again when suitable access starts.

Totals and analytics in one currency use Bank of Russia rates for the relevant date. Rates are for reference and are not an offer to exchange currency. The service does not carry out currency operations and does not accept payments in foreign currency.

RUB balance and YOUFI

The RUB balance is used only to pay for YousoroFinance services. Real prepayment (Paid RUB) and bonuses (Promo RUB) are recorded separately even when one total is shown. Paid RUB is spent first, then Promo RUB. The balance is not a bank account, e-wallet or independent payment instrument; transfers to other users and settlements with third parties are not provided.

YOUFI are internal bonus units, not money or electronic money. They have no guaranteed cash equivalent and cannot be withdrawn, sold or exchanged for roubles. A package price in YOUFI does not give a right to exchange units for money.

Top-up bonuses

A confirmed real top-up of 250 ₽ or more earns 6 YOUFI per rouble within a base of up to 5,000 ₽ over a rolling 30 days: at most 30,000 YOUFI. If the limit is partly used, only the remaining base counts; the whole amount paid always goes to the RUB balance. Plan multipliers do not apply to this bonus. The preview in the interface may change by the time the payment is confirmed.

For an invited user: 30% Promo RUB on the first three successful top-ups within 90 days of registration. Each base is up to 1,000 ₽, the bonus up to 300 ₽ per payment and 900 ₽ in total. Promo RUB cannot be withdrawn, is not refunded as money and is not part of the base for bonuses on real top-ups.

For the referrer: 2 YOUFI per really paid rouble within the invitee's first 5,000 ₽ of top-ups in the first 90 days: up to 10,000 YOUFI. No plan multiplier applies.

Bonuses are granted provided the payment is confirmed, not refunded and not disputed. If a payment is refunded or disputed, bonuses are adjusted under the Refund Policy.

Tasks and invitations

Task reward multipliers: Free ×1, Premium ×1.5, Business ×2.5, Founder ×5. Each reward keeps the rules and right that applied when it was granted. For one-time tasks of the invitee the referrer receives 80% of the base with their own multiplier; for daily, weekly and monthly tasks 20% of the base with their own multiplier, only in the first 90 days after the invitee registered.

The invitee receives 1,000 YOUFI after confirming the account. The referrer receives a separate 1,000 YOUFI once if, within 30 days, the invitee confirmed the account, completed onboarding and made a server-confirmed action: an opening balance, an income or an expense. Confirming an email alone is not enough. Earlier welcome bonuses are kept.

Insufficient balance and terms

If funds are short, the service offers to top up exactly the missing amount via Robokassa. After the payment is confirmed the prepayment reaches the balance and the purchase is checked again. If it cannot be completed safely, the money stays on the balance and you can choose another action or ask for a refund.

A package runs from its start (inclusive) to its end (exclusive). The term is counted in calendar months keeping the anchor day and allowing for month ends. A repeat purchase creates a future period after the current one. At most one current and one future period are allowed at a time.

Changing plan and cancelling a future period

Premium → Business: after a separately confirmed calculation of the surcharge for the rest of the period; the end date does not change. An upgrade with YOUFI needs a separate offer and calculation: the ordinary package price does not give that right. Business → Premium does not end an already paid Business: Premium starts after it.

A period that has not started can be cancelled in the interface. The cost is restored by the original internal method, keeping the sources Paid RUB, Promo RUB or YOUFI. This is not a card refund and does not turn bonuses into money. A period that has started is not cancelled this way.

Trial, Founder and end of access

Trial is a separate one-time temporary right for 7 days with Premium features; it is not bought as a package. Founder is a separate lifetime right at Business level on the terms shown before purchase. While Founder is active, purchases of Premium and Business for roubles and YOUFI are unavailable.

When all rights end, extended features become unavailable regardless of the scheduler. Your financial data is kept under the Personal Data Processing Policy and is available again within a suitable right.

Fair use

Bonuses and rewards are for people who actually use the service. They must not be obtained through abuse: artificial payments followed by a refund, "top-up — refund" chains for bonuses, several accounts of one person, inviting yourself, bypassing limits or other ways that do not match the purpose of the program.

If this is found, the Operator may refuse to grant, cancel bonuses and rewards obtained without grounds, suspend spending of bonuses while it checks, and restrict participation in the bonus program. This does not limit your right to a refund of really paid money in the manner and on the grounds provided by law. You can dispute the decision through support and will receive an explanation of the calculation.

Refunds and mandatory rights

A refund or chargeback cancels the Promo RUB and YOUFI created by the payment in full or in the refunded part. Related bonus rights and surcharges may be causally adjusted under the Refund Policy; bonuses are not deducted from a money refund as a cash value. Independent purchases and completed tasks are kept. Balance, bonuses and technical status do not limit mandatory consumer rights.

2026-10-05-v4 · 2026-10-04

The short version

You may ask for a refund of really paid money if a service was not provided or was provided improperly, the payment was a mistake, you refuse further service or there is another ground under the law. Money is, as a rule, returned the same way you paid.

A warning in advance. YOUFI bonuses and bonus roubles (Promo RUB) credited for a payment are not money and are cancelled in the refunded part when that payment is refunded. If you have already spent them on a subscription or other purchases, we determine which purchases were paid with them and recalculate those (see "How a refund affects bonuses and subscriptions"). Completed tasks and independent purchases are kept.

You can dispute a payment with your bank (chargeback), but the consequences are the same, and contacting support is usually faster and lets you explain everything.

Grounds for a request

These terms apply together with the Public Offer and the Subscription Terms and do not limit mandatory consumer rights. You may apply about a service not provided or provided improperly, a mistaken payment, refusal of further service and other lawful grounds.

The amount of a refund depends on the circumstances and the law. A top-up does not automatically mean a full refund if the funds have already been used to pay for a service. A technical calculation does not replace the review of a claim; deductions need a lawful ground and proof. Spending bonuses does not create a money fee for applying.

How to apply

Write to support@yousorofinance.ru: email or User ID, date and amount of payment, invoice or order number if any, the reason and a contact for the reply. A receipt or statement speeds up checking, but the lack of a receipt does not take away the right to apply. Do not send a password, CVV/CVC or a full card number. We may ask for clarifications to find the payment.

Timing

A request is recorded from the moment it is received. Review and refund take place within the terms set by applicable law of the Russian Federation for the relevant ground. Asking for clarifications does not cancel or extend mandatory terms.

Crediting also depends on the bank or payment service. You get the result, the amount and the state of the refund. A request created with the payment provider does not yet mean that the money has arrived.

Method of refund

Really paid money is, as a rule, returned by the original payment method unless another procedure is agreed or required by applicable rules. Promo RUB and YOUFI are not refundable money. Cancelling a future period restores the original internal funds; a money refund of prepayment is considered separately.

How a refund affects bonuses and subscriptions

The procedure is this. 1) We accept the request and make a preliminary calculation: what amount is returned and which bonuses and purchases are affected. 2) You can get an explanation of the calculation and dispute it. 3) While a refund is being carried out, spending of the RUB balance and YOUFI, account merging and account deletion may be temporarily suspended so that the calculation does not change. 4) Adjustments are applied only after the payment provider confirms the refund. 5) If a safe automatic analysis is impossible, the request goes to manual review; this is not a refusal of a lawful refund.

On a full or partial refund or a chargeback, the Promo RUB, own YOUFI and referral reward created by the payment are adjusted in the corresponding part. They have no cash equivalent and do not reduce the money refund as a separate cash deduction.

If the YOUFI have already been spent, we establish where they came from and what they were spent on. With a sufficient independent balance a purchase may be kept with compensation from it. Otherwise only the causally linked purchase is cancelled and independent rights are restored within the original terms and periods. A later independent subscription is not cancelled merely because it was made later.

Completed tasks are kept. Only the surcharge of the cancelled multiplier is recalculated, taking into account the right that would have applied without the purchase. Base and independent rewards and independent Premium, Business and Founder are kept.

Adjustments are recorded separately. An old snapshot of the whole account is not restored and independent operations are not deleted. You can request an explanation and dispute the calculation.

Partial refunds

After a partial refund, bonuses are limited to the remaining really paid amount and the original qualified base. If the remainder is below 250 ₽, the payment's own YOUFI bonus is cancelled in full. A refund does not increase the historical base, does not top up old bonuses and does not restore a place among the first three top-ups. The freed own limit is available to future payments in the rolling window.

Chargeback through the bank

If a payment is disputed with the bank and the bank returned the money, the service receives a notice and applies the same adjustments as for an ordinary refund. We will not return the money again, and the adjustments cannot exceed the amount of the original payment. Until the calculation is complete, spending of bonuses and balance may be suspended.

If the bank returned the money for a payment but you used the paid service, the Operator may, as provided by law, claim payment for services actually rendered.

Refund records

The refund history (amount, reason, status, dates) belongs to financial accounting and to proving the rights of the parties, and is kept, including when an account is deleted, to the extent and for the period needed for these purposes. An unfinished refund stops account deletion until the calculation is complete.

Mandatory rights

These rules apply only to the extent they do not contradict mandatory consumer rights. In case of discrepancy the requirements of the law of the Russian Federation apply.

Subscription Terms · Refund Policy