Privacy Policy of LLC "AB BRAND"
Edition dated January 01, 2024
LLC "AB BRAND" OGRN 1227700165824, INN 7734452701 within the territory of the Russian Federation ("Company" or "We") respect your privacy and are committed to protecting it by complying with this policy.
This Privacy Policy is developed in accordance with the provisions of Federal Law of July 27, 2006 No. 152-FZ "On Personal Data".
This privacy policy is aimed at providing you with information on how we collect and process your personal data when you use our website,, and the AB MONEY application, including any data that you may provide through this website on this domain or subdomain when subscribing to our newsletter, purchasing a product, or accessing the AB MONEY application.
This policy also describes:
● Types of information that we may collect or that you may provide when purchasing, downloading, installing, registering, accessing, or using applications and AB MONEY ("Application").

  • Our practice of collecting, using, storing, protecting, and disclosing this information.
  • Please read this policy carefully to understand our policy and practice regarding your information and how we will process it. If you do not agree with our policy and practice, do not download, register, or purchase a license for the Application. By downloading, registering, paying for, or using this Application, you agree to this Privacy Policy. This policy may change from time to time. Your continued use of this Application after we revise this policy means that you accept these changes, so please check the policy periodically for updates.

Terms and Definitions
In this document, many definitions of terms are given in the course of the text, but we immediately define some terms for your convenience.
Personal data - any information related to directly or indirectly identified or identifiable natural person (Data Subject).
Application / AB MONEY Application / AB MONEY - software, the AB MONEY application, available for download on the App Store and Google Play, the exclusive rights to which, as well as to all content located within the Application, belong to LLC "AB BRAND".

Personal Data Processing (Processing) - any action (operation) or set of actions (operations) with Personal Data carried out using automation tools or without such tools, including collection, recording, systematization, accumulation, storage, updating (modification), extraction, use, transmission (provision, access), anonymization, blocking, deletion, destruction of Personal Data (Data).
Distribution of personal data - actions aimed at disclosing personal data to an indefinite circle of persons.
Providing personal data - actions aimed at disclosing personal data to a specific person or a specific circle of persons.
Blocking of personal data - temporary cessation of personal data processing (except in cases where processing is necessary to clarify personal data).
Destruction of personal data - actions resulting in the impossibility of restoring the content of personal data in the personal data information system and/or resulting in the destruction of material carriers of personal data.
Anonymization of personal data - actions resulting in the impossibility, without the use of additional information, of determining the ownership of personal data to a specific personal data subject.
Cross-border transfer of Personal Data - transfer of Personal Data to the territory of a foreign state to the authority of a foreign state, foreign individual, or foreign legal entity.
Personal Data Information System - a set of personal data contained in databases and ensuring their processing using information technologies and technical means.
Cookie files - information that may contain the following information about the Subject: IP address of the device, geolocation data, information about the program used to access the Platform, technical characteristics of the equipment and software used by the subject, date and time of access to the Platform, as well as similar information.
Operator/Company/we - LLC "AB.Brand" INN 7734452701, OGRN 1227700165824, KPP 773401001.
Personal Data Subject (Subject) - an individual who is directly or indirectly identified or identifiable using personal data. For the purposes of the Policy, the Subject is understood to be the User or any other person who purchases the Application and/or uses it.
User - an individual who uses the Application in accordance with the User Agreement concluded with the Company.
User Agreement - a license agreement for the use of the Application concluded between the Company and the User, posted on the Internet at
Other terms are interpreted in accordance with the User Agreement/this Policy (in the text of the document), as well as in accordance with the provisions of Federal Law No. 152-FZ "On Personal Data" dated July 27, 2006.

Contact Information
If you have any questions about this privacy policy or our privacy practices, please contact us at
Information We Collect and How We Collect It
We collect information from and about users of the Application and website:
  • Directly from you when you provide it to us.
  • Automatically when using the application and website.
The Company processes Personal Data based on the following acts:
  • Legislation regulating the Company's activities.
  • Company's statutory documents.
  • Contracts concluded between the Company and the Subject, including the User Agreement.
  • Consent to the Processing of Personal Data.
  • Federal Law No. 152-FZ "On Personal Data" dated July 27, 2006.
Information You Provide to Us
When you download, register, use our Applications, or upload your content, we may ask you to provide certain information:
  • By which you may be identified. For example, name, email address, phone number, any other identifiers used to contact you online or offline, or ANY OTHER INFORMATION COLLECTED BY THE APPLICATION THAT IS DEFINED AS PERSONAL OR PERSONALLY IDENTIFIABLE INFORMATION UNDER THE LEGISLATION OF THE RUSSIAN FEDERATION ("Personal Information").
  • It is about you but does not identify you.
  • This information includes:
  • Information you provide by filling out forms in the Application or on the website when purchasing access to the Application or Application product. This includes information provided during registration to use the Application, subscribe to our products, post materials, or request further services. We may also ask for information when you participate in a contest or promotion sponsored by us, or when you report a problem with the Applications.
  • Records and copies of your correspondence (including email addresses and phone numbers) if you contact us.
  • Your responses to surveys that we may ask you to complete for research purposes.
  • Information about transactions you make through the Application and the fulfillment of your orders. You may be required to provide financial information before placing an order through the Application.
  • You may also provide information for publication in public areas of the application or websites that you access through the Applications/Websites (collectively referred to as "User Content"). Your User Content is published and transmitted to other persons at your own risk. Additionally, we cannot control the actions of third parties with whom you may share your User Content. Therefore, we cannot and do not guarantee that your User Content will not be viewed by unauthorized persons.

List of User Personal Data: Collection and Processing of Personal Data by the Company
The Company processes Personal Data provided by the Subject, User, or Subject who is not a User for the following purposes:
  1. Conclusion and performance of contracts, including, but not limited to, the User Agreement, to which the Subject is a party:
  • Full Name;
  • Phone number;
  • Email address;
  • Place of birth;
  • City of residence;
  • Nickname in the cross-platform messenger Telegram.
  1. Establishing interaction between the Operator and the Subject by establishing feedback with the Subject, including sending notifications, requests, advertising mailings:
  • Full Name;
  • Phone number;
  • Email address.
  1. Conducting statistical and other research and ensuring the continuous operation of the Application and website using the Subject's Personal Data:
  • Cookie files.
  1. Conducting the return procedure in compliance with the conditions specified in the User Agreement:
  • Full Name;
  • Phone number;
  • Email address;
  • Bank details.
The Operator does not process Personal data related to special categories and concerning the racial or ethnic origin of the Subject, their political views, religious or philosophical beliefs, as well as the Subject's health or intimate life.

Automatic Data Collection and Tracking
When you download, access, and use the Application, it may use technology for automatic data collection:
  • Usage information: When you access and use the Application, we may automatically collect certain information about your access to the Application and its usage, including traffic data, logs, and other communication data, as well as the resources you access and use in the Applications or through them.
  • Device information: We may collect information about your mobile device and internet connection, including the device's operating system, browser type, mobile network information.
  • Stored information and files: The Application may also access metadata and other information associated with other files stored on your device. This may include, for example, photos, audio and video clips, personal contacts, and address book information if you allow the application access to this data for proper operation.
If you do not want us to collect this information, do not pay for access to the Application, do not download the Application.
Technologies for Information Collection and Tracking
Technologies that we use for automatic information collection may include:
  • Cookies (or mobile cookies): A cookie is a small file placed on your smartphone or laptop. You can opt out of receiving mobile cookies by activating the appropriate setting on your smartphone. However, if you select this setting, you may not be able to access certain parts of our application.
  • Web beacons: Application pages and our emails may contain small electronic files known as web beacons (also referred to as clear GIF files, pixel tags, and single-pixel GIF files) that allow the Company, for example, to count users who have visited a page [or opened an email] and for other related application statistics (such as recording the popularity of certain application content and checking the integrity of the system and server).
Third-Party Information Collection
When you use the Application or its content, a third party may use automatic information collection technologies to collect information about you or your device. This third party may be:
  • Analytical companies.
  • Advertisers, advertising networks, and advertising servers.
  • Manufacturer of the mobile device.
  • Your mobile network operator.
The Operator has the right to transfer Personal data of the Subject, including entrusting the processing of Personal data to the specified third parties:
  • Individual entrepreneur Belyakova Alexandra Dmitrievna, OGRNIP 318784700094120, INN 761022299591.
  • LLC "System Getcourse" INN 9731055900 OGRN 1197746675170.
How We Use Your Information
We use the information we collect about you or that you provide to us, including any personal information, to:
  • Provide users with account creation and use of our Services.
  • Provide you with the Application and its content, as well as any other information, products, or services that you request from us.
  • Fulfill any other purpose for which you provide it.
  • Notify you about your account/subscription, including notifications about expiration and renewal (if such feature exists), access revocation.
  • Perform our obligations and ensure compliance with our rights arising from any contracts entered into between you and us, including when purchasing access to the Application or Application products.
  • Notify you about the availability of Application updates and changes in any products or services that we offer or provide through it.
In accordance with Russian Federation legislation, the Company carries out the following actions with Personal data:
  • Collection;
  • Recording;
  • Systematization;
  • Accumulation;
  • Storage;
  • Clarification (updating, changing);
  • Extraction;
  • Use;
  • Transfer (provision, access);
  • Anonymization;
  • Blocking;
  • Deletion;
  • Destruction.
The information we collect helps us improve our Applications and provide a better and more personalized service, allowing us to:
  • Assess audience size and usage patterns.
  • Store information about your preferences, which allows us to customize our Applications according to your individual interests.
  • Speed ​​up search.
  • Recognize you when you use the Applications.
We may also use your information to contact you about our goods and services, updates in the Application that may interest you, provided you consent.

Disclosure of Your Information
We may disclose personal information that we collect or you provide to:
  • Our subsidiaries and affiliated companies.
  • Service providers and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them, such as our hosting provider.
  • A buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of a bankruptcy, liquidation, or similar proceeding, in which personal information held by us about users of our Applications is among the assets transferred.
  • To fulfill the purpose for which you provide it. For example, if you provide us with an email address to use the "send email to a friend" feature on our Website or in the Application, we will transmit the contents of that email and your email address to the recipients.
  • For any other purpose disclosed by us when you provide the information.
  • To comply with any court order, law, or legal process, including responding to any government or regulatory request.
  • To enforce our rights arising from any contracts entered into between you and us, including the User Agreement.
  • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Companies, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
  • For marketing purposes and distribution of a limited amount of personal data for which the User has provided consent in accordance with the Privacy Policy or other consent to acquaint other users with the results of using the Application.
The Subject/User has the right to:
  • Make a decision on the provision of his Personal data to the Company and consent to their Processing freely, by his own will, and in his own interest.
  • Receive information regarding the Processing of his Personal data.
  • Demand from the Company clarification of Personal data, their blocking, or destruction if the Personal data are incomplete, outdated, inaccurate, illegally obtained, or not necessary for the stated purpose of processing.
  • Appeal the actions (inaction) of the Company processing Personal data with violation of the requirements of the Legislation or otherwise violating his rights and freedoms, to the authorized body for the protection of the rights of Subjects or in court.
  • Take measures provided by law to protect their rights and legitimate interests, including by compensating for damages and (or) compensating for moral harm in court.

The Company is obligated to:
  • Take necessary and sufficient measures to comply with the rights of the Subject and fulfill the obligations provided for by the Legislation of the Russian Federation.
  • Appoint a person responsible for Personal Data Processing.
  • Adopt internal documents on Personal Data Processing issues and ensure their security.
  • Familiarize employees with internal documents for signature.
  • Provide regular training to employees and inform them of the requirements of the Legislation of the Russian Federation.
  • Conduct internal audits on a regular basis and monitor that Personal Data Processing processes comply with the Legislation of the Russian Federation.
  • Regularly assess the potential harm that may be caused to Subjects in case of violation of their rights and requirements of the Legislation of the Russian Federation.
  • Provide the Subject with information regarding the Processing of their Personal Data upon receiving a request from the Subject.
  • Cease Processing in case of identifying facts of unlawful Personal Data Processing.
  • Destroy Personal Data in accordance with the procedure established by the Legislation if ensuring the lawfulness of Personal Data Processing is impossible.
  • Block Personal Data and clarify them in accordance with the procedure established by the Legislation in case of identifying inaccurate Personal Data.
The Company has the right to transfer the Personal Data of the Subject without their consent to the following entities:
  • State authorities, including investigative and law enforcement authorities, and local self-government bodies upon their reasoned request.
  • In other cases directly provided for by the Legislation of the Russian Federation.
The Company ensures the Confidentiality of Personal Data, including the Operator not disclosing Personal Data to third parties and not distributing Personal Data without the consent of the Subject unless otherwise provided by the Legislation.
Your Choices Regarding Our Collection, Use, and Disclosure of Your Information
We aim to provide you with choices regarding the personal information you provide to us. This section describes the mechanisms we provide you to control specific uses and disclosures of your information.
  • Tracking Technologies: You can configure your browser to reject all or some browser cookie files or alert you when cookies are being sent. If you disable or refuse cookies or block the use of other tracking technologies, some parts of the Application may be inaccessible or not function properly.
Additional Information about Your Rights in Using the Application
Access and Correction of Your Personal Information
You can view and amend your personal information by logging into the Application and visiting your account profile page.
You can also request the deletion and correction of some of your personal data, as well as limit their distribution on the website. If you partially delete your personal data, we will continue to process the remaining personal data provided by you.
If you delete Your User Content from the Application, copies of Your User Content may remain visible on cached and archived pages or may be copied or saved by other Application users. Proper access and use of information provided in the Application, including User Content, is governed by our User Agreement.

Data Security
We have implemented measures aimed at protecting your personal information from accidental loss and unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls.
The security of your information also depends on you. If we have provided you (or you have chosen) a password to access certain parts of our Application, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We encourage you to be careful about providing information in public areas of the Application such as bulletin boards. Information shared in public areas may be viewed by any user of the Application.
The Company ensures the security of Personal Data in accordance with the legislation of the Russian Federation, including by:
  • Identifying security threats during their Processing in Personal Data Information Systems;
  • Applying organizational and technical measures to ensure the security of Personal Data (Data) during their Processing in Personal Data Information Systems, necessary to meet the requirements for the protection of Personal Data, the performance of which ensures the established levels of protection of Personal Data by the Government of the Russian Federation;
  • Applying information protection means that have passed the procedure for assessing compliance;
  • Evaluating the effectiveness of the security measures taken for Personal Data before putting the Personal Data Information System into operation;
  • Accounting for storage media of Personal Data;
  • Detecting facts of unauthorized access to Personal Data and taking measures;
  • Establishing rules for accessing Personal Data processed in the Personal Data Information System, as well as ensuring registration and recording of all actions performed with Personal Data in the Personal Data Information System;
  • Monitoring the security measures taken for Personal Data and the level of security of Personal Data Information Systems.
Access to Information Systems containing Personal data is provided by a password system. Passwords are set by authorized employees of the Company and individually communicated to employees of the Company who have access to Personal data. The Operator restricts access to the Personal data of the Subject only to those employees who need it in accordance with their job responsibilities.
The Company ceases the Processing of Personal Data when the Processing goals are achieved, the expiration date is reached, or at the request of the Subject to withdraw their consent to the Processing, as well as in case of identifying unauthorized Processing of Personal Data. The Operator has the right to continue the Processing of Personal Data in cases provided for by the legislation.
Personal data is stored and processed for the period necessary to achieve the stated processing purposes.
Personal data is collected, stored, and processed in the territory of the Russian Federation.
Changes to Our Privacy Policy
We may update our privacy policy from time to time. If we make significant changes to how we process personal information of our users, we will publish a new privacy policy on this page with a notification that the privacy policy has been updated, or we will notify you with a warning in the application upon first use of the application after we make changes.
Contact Information
To ask questions or comment on this privacy policy and our privacy practices, please contact us at: