2026-10-05-v4 · 2026-10-04
1. 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.
2. 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.
3. 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.
4. 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.
5. 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.
6. 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.
7. 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.
8. 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.
9. 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.
10. 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.
Language notice. This English version is provided for convenience. If interpretation differs, the current Russian-language document and applicable Russian law prevail.
