User Agreement

This User Agreement (the ‘Agreement’) applies to all information published on the website (the ‘Website’).

By using the Website, the User agrees without reservation to the Agreement and all its terms and conditions for the processing of his/her User data. If he/she does not agree to the Agreement in its entirety, he/she may not use the Website.

1. General provisions

1.1. For the purpose of this Agreement, User data refers to:

1.1.1. The information the User voluntarily discloses about himself/herself when registering (creating an account) to comment on articles published on the Website or filling in the form to send his/her paper to the Russian Journal of Money and Finance, or in the course of using the Website services. Tailored indications of the information necessary to use the Website services are given: name, surname, and email are obligatory when registering to comment on the articles published on the Website; name, surname, email, and name of organization are obligatory when sending papers to the Russian Journal of Money and Finance. The User can disclose other personal information at his/her discretion.

1.1.2. The information that the Website collects automatically when providing Website services through the User’s software, including IP address, cookies, information about the User’s browser (or any other software used to access the Website), the technical characteristics of the User’s hardware and software, the date and time of access, web addresses of the pages requested, and other similar information.

1.2.The Website Administration does not verify the data provided by Users and proceeds on the premise that the User voluntarily provides valid and sufficient data and updates this data if necessary. The risk of providing invalid data is borne by the User.

1.3. This Agreement applies solely to the Website. The Website Administration does not bear any responsibility for or control any third-party websites that the User might access through the links on the Website.

2. Purposes of User data processing

2.1. The Website collects and stores only such User information that is necessary for providing Website services.

2.2. The Website collects User data for the following purposes:

2.2.1. To identify registered Users and give them access to all available Website services.

2.2.2. To publish papers by the User submitted to the Russian Journal of Money and Finance.

2.2.3. To give the User access to personalized resources on the Website.

2.2.4. To contact the User, including to send notifications, newsletters, and requests related to the use of the Website.

2.2.5. To improve the Website’s performance and user-friendliness, and to develop new services.

2.2.6. To carry out statistical and other analyses based on depersonalized User data.

3. Terms and conditions for processing User data

3.1. User data is treated as confidential except when the User voluntarily discloses his/her personal information to the public (for example, when commenting on Website materials, sending papers to the Russian Journal of Money and Finance, etc).

3.2. The Website does not transfer User data to any third parties, except in cases where this is obligatory under Russian or any other applicable law, and only following the procedure stipulated by Russian or any other applicable law.

3.3. The Website Administration takes all necessary organizational and technical measures to protect User data from any use other than in the ways defined in the Agreement and from unintentional modification, blocking, copying, transferring, or other illegal actions by third parties.

4. Liabilities of the parties

4.1.Rights and liabilities of the User:

4.1.1. The User has the right to provide his/her User data as necessary to use the Website services.

4.1.2. The User has the right to update, complete, and delete the data provided in full or in part if the data in question has changed.

4.1.3. The User understands that, by logging into the Website through his/her social network accounts, he/she becomes subject to the terms and conditions of the social networks in question, including with regard to the processing, use, and protection of his/her personal information.

4.2. The Website Administration is bound to:

4.2.1. Use the data collected only for the purposes stipulated in this Agreement.

4.2.2. Block the data collected from a particular User upon his/her request or demand, or upon the request or demand of his/her lawful representative or a competent authority that protects the rights of Data Subjects during inspection in the event that invalid User data or illegal actions regarding this data are detected.

5. Additional provisions

5.1. The Website Administration reserves the right to amend this Agreement without the User’s prior consent.

5.2. The amended Agreement shall come into effect when published on the Website unless otherwise stipulated in the amended Agreement.

5.3. All suggestions and queries regarding this Agreement shall be addressed to the Website Administration at

5.4. The Agreement in force is available at