Offer for the sale of electronic editions.

Version of 12 October 2026. The Russian text of this offer is the binding version; this English summary is provided for convenience.

1. Seller.

Ivan Yuryevich Grigorev, self-employed payer of the Russian professional income tax, INN 390702969994. Human Fintech is the name of his independent practice, not a separate legal entity. Contact: hello@human-fintech.com.

2. What is sold.

The complete English edition of Black Fintech is sold separately for RUB 3,290, with PDF and EPUB files delivered together in one ZIP archive. The first 30 pages are available as a free PDF sample. The complete English edition of White Fintech is sold separately for RUB 5,790, also as one complete book in PDF and EPUB, with a free 30-page PDF sample. The English editions are not included in the Black + White set.

The Russian-language catalogue also includes Black Fintech and White Fintech as complete books, individual electronic volumes or the Black + White set, and the separate complete book Microfinance Russia, which is not included in that set. The separate Russian-language book Payment Business is available for RUB 2,990 as PDF and EPUB. The separate Russian-language book Death and Taxes is available for RUB 2,990, with PDF and EPUB delivered together in one ZIP archive; it is not included in the Black + White set. These catalogue editions are in Russian. The separate Russian-language article “India: the Russian footprint — rupees, oil and microloans” is sold for RUB 500 as a PDF, with the first 3 pages free.

Each purchase is delivered as a ZIP archive; the language, contents and file formats are specified on the product page. Prices are fixed in Russian roubles. Any US dollar equivalent shown on the English edition page is for reference; checkout is charged in roubles, and your card issuer determines the final conversion and any fees. Printed copies and advisory services are not covered by this offer.

3. Payment and delivery.

The English editions of Black Fintech and White Fintech are paid for through Robokassa on its secure payment page. Russian-language editions use the Robokassa or YooKassa payment options displayed at checkout. International card acceptance depends on the issuing country and bank; the payment provider shows the available methods before payment. All payments are charged in Russian roubles. Card details never reach this website. Immediately after payment is confirmed, the order page shows download links and the same links are emailed to the address given at checkout. Links are valid for 30 days and allow up to 10 downloads; access is restored free of charge on request.

4. Rights and refunds.

The copy is licensed for personal use; redistribution, resale and public posting are not permitted. Before the first download the purchase can be cancelled for a full refund. If a file is damaged or does not match its description, the archive is replaced or the payment refunded within 10 calendar days. Personal data is processed as described in the privacy policy.