PUBLIC OFFER AGREEMENT (TERMS OF SERVICE)

(Governing Law: England and Wales)
for the Provision of Consulting Services
and Acceptance of Donations

Date of Publication: October 22, 2025

1. DEFINITIONS AND INTERPRETATION

1.1. Offer Agreement (hereinafter referred to as the “Agreement” or the “Offer”)

1.2. Offeror (Service Provider/Administrator): Sergey V. P., an individual operating as the owner of the website Business Pathfinder Chronicles.

1.3. Acceptor (User/Client): Any natural or legal person (individual or entity) who has performed the Acceptance of this Offer.

1.4. Website: The online resource Business Pathfinder Chronicles, located at https://business-pathfinder.com

1.5. Services: Paid consulting services provided by the Offeror to the Acceptor in the format of an online video call (hereinafter referred to as the “Consultation”).

1.6. Acceptance of the Offer: The full and unconditional acceptance by the Acceptor of the terms of this Offer, performed by making payment for the Services or by making a Donation.

1.7. Donation (Dona): The gratuitous, voluntary transfer of monetary funds by the Acceptor to the Offeror.

2. SUBJECT MATTER OF THE AGREEMENT

2.1. The Offeror undertakes to provide the Services to the Acceptor, and the Acceptor undertakes to pay for the Services, in accordance with the terms set forth in this Offer.

2.2. This Offer also governs the relationship between the Offeror and the Acceptor regarding the making of Donations (Dona).

3. STATUS OF THE OFFEROR AND GOVERNING LAW

3.1. Offeror’s Status: The Offeror acts as an individual, not registered as a formal business entity (such as a corporation, partnership, or sole trader). The Offeror represents that he is operating internationally and is not subject to local business registration requirements in the territory from which the Acceptor accesses the Services.

3.2. Governing Law: This Offer, its conclusion, performance, and any disputes arising therefrom shall be governed by and construed in accordance with the Law of England and Wales, excluding its conflict of laws principles.

3.3. Language of the Agreement: The official language of the Agreement is English. In the event this Agreement is translated, and a conflict in interpretation arises, the English text shall prevail, and the Parties shall rely on generally accepted international commercial practice.

4. ACCEPTANCE OF THE OFFER AND PROVISION OF SERVICES

4.1. Acceptance: Full and unconditional Acceptance of this Offer is deemed to occur upon the Acceptor making payment for the Consultation.

4.2. Consultation Format: The Services shall be provided exclusively through an online video call format (via platforms such as Zoom, Google Meet, Skype, or similar), unless otherwise mutually agreed upon by the Parties.

4.3. Exclusion of In-Person Meetings: Services provided in the form of an in-person meeting are not governed by this Offer. The organization and execution of an in-person meeting require the execution of a separate, individualized, written agreement.

4.4. Term/Completion: The Service shall be deemed rendered in full and accepted by the Acceptor upon the conclusion of the agreed-upon Consultation time.

5. FINANCIAL TERMS AND REFUND POLICY

5.1. Price and Amendments: The price of the Services shall be determined by the Offeror and shall be published on the Website or communicated to the Acceptor prior to payment. The Offeror reserves the right to unilaterally amend and modify the price of the Services. However, any price change shall not affect the price of any Consultation already fully paid for and confirmed by the Acceptor prior to the effective date of such change.

5.2. Payment Procedure: Payment shall be made in full prior to the provision of the Consultation. The Offeror primarily utilizes cryptocurrencies (blockchain payments) or other international payment systems specified on the Website.

5.3. Refund Policy: The Acceptor has the right to cancel the Consultation and request a refund in accordance with the following terms:

5.4. Refund Request Procedure: In the event of a Consultation cancellation, the Acceptor shall submit a refund request to the Offeror’s email address. The calculation of the timeframe shall be based on UTC (Coordinated Universal Time).

5.5. Deduction of Fees: From the amount subject to refund, the Offeror shall always deduct the actual costs incurred by the Offeror related to bank charges, payment system fees, blockchain fees (gas fees, transaction fees), and any other operational expenses arising from the acceptance of the payment.

6. WARRANTIES AND LIMITATION OF LIABILITY

6.1. Disclaimer of Warranties (AS IS): The Services provided are strictly advisory, consulting, and informational in nature.

6.2. No Guarantee of Outcome: The Offeror makes no guarantees whatsoever regarding the Acceptor achieving any specific financial or business outcome, profit increase, or realization of plans following the Consultation. The Acceptor accepts the Service on an “AS IS” basis and bears sole responsibility for the risks associated with the use of the information received.

6.3. Limitation of Liability and Cap: The Offeror shall not be liable for any indirect, incidental, special, consequential, or punitive losses or damages, including, but not limited to, loss of profits, loss of anticipated savings, or loss of business opportunity, howsoever arising.

The Offeror’s total aggregate liability to the Acceptor, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, arising under or in connection with this Agreement, shall in all circumstances be limited to the total fees actually paid by the Acceptor to the Offeror for the specific Consultation from which the liability arose.

6.4. Acceptor’s Responsibility: The Acceptor warrants and represents that they will not use the information obtained for any illegal, fraudulent, or misleading purposes, and undertakes to comply with the Website’s Content Usage Policy.

7. DONATIONS (DONA)

7.1. Legal Nature: All payments designated on the Website as a “Donation” or “Dona” constitute a gratuitous, voluntary gift for the benefit of the Offeror, intended for the development of the Website and support of the project.

7.2. Absence of Counter-Obligations: The making of a Donation does not result in any corresponding obligation on the part of the Offeror to provide services, supply goods, or perform any actions whatsoever for the benefit of the Acceptor.

7.3. Non-Refundability: Due to its gratuitous nature, a Donation is non-refundable and shall not be subject to return to the Acceptor, except in the event of a technical payment system error.

8. DISPUTE RESOLUTION AND JURISDICTION

8.1. Pre-Action Protocol (Amicable Resolution): The Parties undertake to take all reasonable measures to resolve disputes through good-faith negotiations and the exchange of written claims (or formal notices).

8.2. Jurisdiction: Should a dispute not be resolved through the Pre-Action Protocol, it shall be finally resolved in the Courts of England and Wales, located in London. The Parties hereby irrevocably submit to the exclusive jurisdiction of the Courts of England and Wales.

9. MISCELLANEOUS PROVISIONS

9.1. Integration and Other Documents: This Offer constitutes an integral part of the Website’s public documents and shall be read in conjunction with the User Agreement and the Privacy Policy.

9.2. Amendment of the Offer and Notification: The Offeror reserves the right to unilaterally amend and modify this Offer, including the price of Services. Amendments shall become effective upon the expiry of seventy-two (72) hours from the date of their publication on the Website. Publication of the revised terms or a prominent disclaimer notice on the Website shall constitute sufficient and adequate notification (constructive notice) to the Acceptor. The Acceptor’s continued use of the Website after the 72-hour period shall constitute acceptance of the modified terms.

9.3. Offeror Contact Information:
Email: business.pathfinder1976@gmail.com

9.4. Acknowledgment of Language and Understanding: The Acceptor confirms that by performing the Acceptance of this Offer and making payment for the Services, they are proficient in the English language (the official language of this Agreement as stipulated in Section 3.3) or have obtained a full and competent translation. Furthermore, the Acceptor confirms that they fully understand all the terms, conditions, disclaimers, and the ‘AS IS’ nature of the advisory Services being provided and is entering into this Agreement based on their own professional judgment and free will.